Search found 222 matches

by EvelynTroy
Thu Oct 19, 2017 12:15 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 304
Views: 14569

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

My portfolio @ TD - ETF’s - VEU, VTI in tIRA and VNQ in Roth IRA Funds - VMLUX - Vanguard Limited Tax Exempt Bond (0.09) very tiny amount of shares - Taxable acct DFTCX DFA T.A. U.S. Core Equity 2 Portfolio Institutional Class (0.24) - Taxable acct. DTMVX DFA Tax-Managed U.S. Targeted Value Portfoli...
by EvelynTroy
Fri Oct 13, 2017 11:28 am
Forum: Investing - Theory, News & General
Topic: Jumbo 30mo CD 2.78%
Replies: 5
Views: 1819

Re: Jumbo 30mo CD 2.78%

roflwaffle -
The CD appears to be available nationwide - for those not in the identified zip codes -
Easy membership requirement by joining CU Savers ($10 one-time membership fee)
by EvelynTroy
Thu Oct 12, 2017 8:27 pm
Forum: Investing - Theory, News & General
Topic: Understanding What Makes Vanguard So Successful
Replies: 12
Views: 1887

What Makes Vanguard So Successful - Article

Barry Ritholz - Bloomberg View offers nice explanation of how Vanguard does business -

https://www.bloomberg.com/view/articles ... successful

Evelyn
by EvelynTroy
Fri Oct 06, 2017 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Want to sell Roth holding and purchase CD
Replies: 7
Views: 521

Re: Want to sell Roth holding and purchase CD

beebog - My roth custodian is TdAmeritrade. I am not a fan of brokered CD's - I prefer that my interest be reinvested back into the CD, rather than have it paid out to me. Brokered CD's you can't do this. I like my interest to compound. Also if you need to sell you will often pay quite a bit to sell...
by EvelynTroy
Fri Oct 06, 2017 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Want to sell Roth holding and purchase CD
Replies: 7
Views: 521

Re: Want to sell Roth holding and purchase CD

Thanks for the replies - hope I can reply clearly. The 4% in VNQ - is 4% of my equity holdings, not my total assets. My Portfolio - 60% Fixed Income / 40% Equity Target Actual Difference US Stocks 26.00% 27.42% 1.42% Intern.Stk 10.00% 9.33% -0.67% U.S. Reit 4.00% 3.75% -0.25% CD's 60.00% 59.49% -0.5...
by EvelynTroy
Fri Oct 06, 2017 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Want to sell Roth holding and purchase CD
Replies: 7
Views: 521

Want to sell Roth holding and purchase CD

My portfolio 40% equity / 60% fixed - my fixed is almost entirely CD's. In the equity portion I hold 4% in a Roth account the only holding is VNQ - Vanguard Reit Index ETF - wanting to trim equities a bit and not convinced a less than 5% holding is even necessary. If I sell VNQ in the Roth - I shoul...
by EvelynTroy
Fri Sep 22, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 81
Views: 4735

Re: Uplifted Driveway = No Home Owners Policy ?!

op - If you elect to just have the two slabs replaced that are cracked badly suggest if you purchase this power washer attachment and rest of your drive will look almost like the new concrete. It does amazing job -fast an easy to use. One of best things I ever bought re to home upkeep. http://www.ho...
by EvelynTroy
Thu Sep 21, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 81
Views: 4735

Re: Uplifted Driveway = No Home Owners Policy ?!

I just moved to this neighborhood 7/6 - and was surprised to learn after this fall that in my city it is the homeowners responsibility to maintain the sidewalk in front of their property. Spoke to the city directly. On the positive side they have a program - homeowner replaces or repairs the sidewal...
by EvelynTroy
Thu Sep 21, 2017 8:40 am
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 81
Views: 4735

Re: Uplifted Driveway = No Home Owners Policy ?!

Someone noted - Why would an insurance company want to insure something with a known possible claim attached to the property? Your home has more risk and a possible claim could cancel out all the premiums you ever paid, and more! Absolutely correct. On 8/8/2017 I tripped and fell on neighbors uplift...
by EvelynTroy
Fri Sep 01, 2017 6:42 am
Forum: Investing - Theory, News & General
Topic: New Book by Peter Bernstein
Replies: 8
Views: 3575

Re: New Book by Peter Bernstein

Agree 100% re to 60/40.
Yes he passed away 2009.
OP is from 2007

Evelyn
by EvelynTroy
Mon Aug 28, 2017 4:19 pm
Forum: Investing - Theory, News & General
Topic: What is the best way to buy CDs in an IRA
Replies: 3
Views: 658

Re: What is the best way to buy CDs in an IRA

best is first to understand pros and cons of brokered CD's - one thing your interest can not be reinvested, a negative for me. Be careful with brokered CD's. next you might like to become familiar with this site - use the calculator to determine the early withdrawal penalty. Here are 5 yr rates as a...
by EvelynTroy
Mon Aug 21, 2017 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Help Me Understand CDs at Vanguard
Replies: 6
Views: 1185

Re: Help Me Understand CDs at Vanguard

broken arm cant type much -excuse how sloppy this is. google certificate of deposit tutorial - a number of good references. Saw good one from wall street journal then make use of https://www.depositaccounts.com/ you can shop here for best CD's across the country - they show you the bank or credit un...
by EvelynTroy
Sat Jul 29, 2017 7:46 am
Forum: Investing - Theory, News & General
Topic: Are any advisors not self serving
Replies: 25
Views: 2190

Re: Are any advisors not self serving

My experiences with two advisors and a third advisor I didn't go with were outstanding - no complaints, and high praise for always keeping my interests in the forefront, being patient with me, providing detailed explanations when I needed them, the list goes on, but I'll just give couple concrete ex...
by EvelynTroy
Mon Jul 24, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: "If You Can"-style Rebalancing
Replies: 14
Views: 1793

Re: "If You Can"-style Rebalancing

RobLIC I had trouble wrapping my head around rebalancing - it just wasn't a bit intuitive for me. I use this spreadsheet - its a google sheet http://www.doughroller.net/investing/an-awesome-and-free-investment-tracking-spreadsheet/ See if it works for you. I added two additional columns - Dollar Tar...
by EvelynTroy
Sun Jul 16, 2017 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Question about investment advisors
Replies: 6
Views: 664

Re: Question about investment advisors

Hello - I reread my post and I didn't do a very good job of saying what I wanted to say - I wasn't trying to promote Buckingham as a possible advisor for the OP - I got too words, just wanted to say contact Larry S. and he will explain all the details about DFA advisors. Second - driving distance sh...
by EvelynTroy
Sat Jul 15, 2017 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Question about investment advisors
Replies: 6
Views: 664

Re: Question about investment advisors

DMW - There are situations and times that call for a good fee-only, fiduciary advisor. I was very happy the relationship I had with my DFA advisor - it was Buckingham Asset Management in St. Louis (Larry Swedroe's firm). I live just 45 min. drive from their office. To answer your question the DFA ad...
by EvelynTroy
Wed Jul 05, 2017 6:36 am
Forum: Investing - Help with Personal Investments
Topic: Transitioning from AUM Advisor to Three-Fund Portfolio
Replies: 29
Views: 2504

Re: Transitioning from AUM Advisor to Three-Fund Portfolio

JVL - Glad the spreadsheet is working out - it should help with the DFA funds selling. Its good the majority of them are in your tax-favored accounts. I'm assuming your advisor had identified the asset class for each fund on your statement to make it easy to input them into the spreadsheet. Also on ...
by EvelynTroy
Tue Jul 04, 2017 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Transitioning from AUM Advisor to Three-Fund Portfolio
Replies: 29
Views: 2504

Re: Transitioning from AUM Advisor to Three-Fund Portfolio

I will talk with Schwab to see if they will offer a discount on the amount of funds I need to sell, and also which, if any, would be good funds to keep in place. My opinion - not a real good idea to have Schwab give you suggestions - for the most part as far as I know, the reps you speak with will ...
by EvelynTroy
Tue Jul 04, 2017 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Transitioning from AUM Advisor to Three-Fund Portfolio
Replies: 29
Views: 2504

Re: Transitioning from AUM Advisor to Three-Fund Portfolio

As I make my monthly contributions into new three-fund allocations, would the hassle of trying to re-balance the portfolio with so many DFA funds (13 in my 401K alone, 6 in taxable, 3 in Roth) overcome the fee cost of selling them now? I lean toward cleaning my slate and starting with a pure three-...
by EvelynTroy
Tue Jul 04, 2017 9:05 am
Forum: Investing - Help with Personal Investments
Topic: Transitioning from AUM Advisor to Three-Fund Portfolio
Replies: 29
Views: 2504

Re: Transitioning from AUM Advisor to Three Fund Portfolio

I did what you wish to do. The firm I was with helped me with variety of things besides managing the portfolio, but finally decided my situation is not complicated I could simplify and manage the portfolio on my own - went from 12 funds to 6. I would go with 3 index fund/ETF portfolio but the tax co...
by EvelynTroy
Fri Jun 23, 2017 7:00 am
Forum: Personal Consumer Issues
Topic: Good camera - new baby coming
Replies: 64
Views: 4631

Re: Good camera - new baby coming

Congratulations on your upcoming addition to your family. Excellent idea to be thinking about the camera situation. I'm no big-time photographer - but I do enjoy taking lots of travel pictures. I totally agree with these points that have been made and additional thoughts: - Best camera is the one yo...
by EvelynTroy
Thu Jun 22, 2017 4:34 pm
Forum: Investing - Theory, News & General
Topic: "10 Reasons Why Advisers Struggle To Keep Client Portfolios Simple"
Replies: 25
Views: 4204

Re: "10 Reasons Why Advisers Struggle To Keep Client Portfolios Simple"

Here is a link to Allan Roth's article - https://www.financial-planning.com/news/10-reasons-why-advisers-struggle-to-keep-client-portfolios-simple I too enjoy Allan Roth's articles - he's a great teacher. Related awhile back he provided this slide presentation - its very good. https://www.financial-...
by EvelynTroy
Tue Jun 13, 2017 7:18 am
Forum: Investing - Theory, News & General
Topic: Bogle Doubles Down on US Index Funds
Replies: 118
Views: 15711

Bogle sticks with U.S. Stock (article)

Financial Planning article - https://www.financial-planning.com/articles/vanguard-founder-sticks-with-us-stocks-after-400-gains?tag=00000153-e7bf-d105-a9fb-ffff94860000 While a chorus of market experts is telling investors to look outside of the U.S. for big returns, at least one loud voice is singi...
by EvelynTroy
Sat Jun 03, 2017 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Financial advisor in Houston
Replies: 11
Views: 1651

Re: Financial advisor in Houston

aa3405 I have been in your shoes and can empathize with your need to seek a fiduciary advisor. I had very real fears of making mistakes. I can recommend the following - Buckingham Asset Management (Larry Swedroe's firm) http://buckinghamadvisor.com/ Located in St. Louis - they have an affiliate in H...
by EvelynTroy
Fri Jun 02, 2017 7:39 am
Forum: Investing - Theory, News & General
Topic: Do Stocks Outperform Treasury Bills (paper)
Replies: 2
Views: 485

Do Stocks Outperform Treasury Bills (paper)

From Professor Hendrik Bessembinder - Ariz. State - Do Stocks Outperform Treasury Bills? https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2900447 Papers make my eyes glaze over - and don't really think its important that I understand them anyway. I suspect any number of Bogleheads enjoy this type...
by EvelynTroy
Thu May 18, 2017 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Advice On Moving Up In House
Replies: 15
Views: 1279

Re: Advice On Moving Up In House

Bronco -
I would highly recommend this booklet - if you haven't read it. This is one of those references that can be read again and again. Excellent advice for your overall financial well-being as you plan for your future.

[url]https://www.etf.com/docs/IfYouCan.pdf
[/url]
Evelyn
by EvelynTroy
Sun May 14, 2017 5:46 am
Forum: Investing - Help with Personal Investments
Topic: Investing to save for travel while working toward other goals?
Replies: 5
Views: 564

Re: Investing to save for travel while working toward other goals?

roygbiv1 - I'll let others provide the specific savings suggestions you requested. However, I'm not sure but if you used VWINX I'm thinking you would have to pay either short-term or long-term capital gains taxes, which might eat away some of that savings. I'm no expert. I agree with you 100% on you...
by EvelynTroy
Sat May 13, 2017 6:26 am
Forum: Investing - Help with Personal Investments
Topic: Please assess our financial situation; grateful for any advice :)
Replies: 18
Views: 2696

Re: Please assess our financial situation; grateful for any advice :)

Imperio - You are absolutely correct about the wisdom offered at bogelheads.org - its simply staggering the help and support you can receive on whatever financial / investing topic you could possibly want or need. I'm in no way a financial expert - retired 3 yrs. ago, highest yrly. salary about $76K...
by EvelynTroy
Fri May 12, 2017 8:33 am
Forum: Investing - Theory, News & General
Topic: NWFCU 30 mo. 2.02% CD offering
Replies: 2
Views: 628

Re: NWFCU 30 mo. 2.02% CD offering

I too hold a NWFCU 3% CD - it was a 3 yr. one - matures 10/2018. I now have new money to invest in fixed income - for a 30 mo. term I didn't see anything better. The new offering is less yield - but a bit shorter maturity - 30 mo. vs. 36 mo or PenFed is 60 months. You can get a better rate currently...
by EvelynTroy
Fri May 12, 2017 8:12 am
Forum: Investing - Help with Personal Investments
Topic: CD Purchase vs Bond Fund recommendation
Replies: 5
Views: 819

Re: CD Purchase vs Bond Fund recommendation

Thanks for the replies. I don't see the advantage of VCSH over the 2.02% CD? Even though more liquidity with VCSH - the price and yield can fluctuate, while the 2.02% is guaranteed. I don't have a real need for the funds to be liquid, or maybe I don't know enough to know if the funds should be liquid.
by EvelynTroy
Fri May 12, 2017 6:01 am
Forum: Investing - Theory, News & General
Topic: NWFCU 30 mo. 2.02% CD offering
Replies: 2
Views: 628

NWFCU 30 mo. 2.02% CD offering

Thought it worth a mention - I hold a CD from this CU and had no complaints with customer service, or ease of opening an account. This new offering has EWP of 366 days OR all dividends earned, whichever is less. I'm not too concerned over EWP as I see now reason why I would not hold the CD until ter...
by EvelynTroy
Fri May 12, 2017 5:56 am
Forum: Investing - Help with Personal Investments
Topic: CD Purchase vs Bond Fund recommendation
Replies: 5
Views: 819

CD Purchase vs Bond Fund recommendation

Hello - Because of rebalancing about a month ago I have an amount of cash I need to invest in fixed income. The cash is being held in a Money Market Fund. This is an IRA account. This CD offering looks good to me - I hold a CD from this CU currently. This new offering has EWP of 366 days OR all divi...
by EvelynTroy
Fri Apr 21, 2017 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Do CDs make sense in an IRA
Replies: 4
Views: 732

Re: Do CDs make sense in an IRA

Yes CD's are a good option for fixed income asset allocation or in combination with bond funds. Here is good explanation of brokered cds (the type Fidelity or any brokerage company) and CD's offered at a bank or credit union - There are pros and cons that you should be aware of. https://www.deposita...
by EvelynTroy
Wed Apr 19, 2017 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Annual finance check up
Replies: 4
Views: 700

Re: Annual finance check up

In another discussion someone asked about the value of getting a second opinion perhaps from a fee-only hourly financial advisor on some of the items you have brought up. I thought that idea had merit, however don't know that I would want to do it annually, perhaps with a big life change happens. Do...
by EvelynTroy
Wed Apr 19, 2017 7:18 am
Forum: Investing - Help with Personal Investments
Topic: Why would anyone want to buy bond funds?
Replies: 92
Views: 10214

Re: Why would anyone want to buy bond funds?

For me this 1999 article by Jason Zweig hits the nail on why buy bond funds - in another thread I just pointed this out. I had saved the article that Taylor Larimore referenced. "Why Buy Bonds" short 1999 article by Jason Zweig - as true today as it was in 1999. Dec. 1999 the stock market ...
by EvelynTroy
Wed Apr 19, 2017 7:11 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Performance Tracking questions
Replies: 2
Views: 348

Re: Portfolio Performance Tracking questions

Thanks midareff for your comments - I'm going to update my Morningstar Portfolio and believe it will be perfectly adequate for tracking my performance. I'm going to spend some time - digging into what M* portfolio offers - different views, and customization. You said: I used the KISS theorem and loo...
by EvelynTroy
Wed Apr 19, 2017 7:01 am
Forum: Investing - Help with Personal Investments
Topic: Advice on my current portfolio, and moving to VanGuard
Replies: 8
Views: 820

Re: Advice on my current portfolio, and moving to VanGuard

NicholasCageFree - Good job on having manageable debt, and good-sized portfolio at a young age. I don't have the expertise to advise you on the specifics of sorting out your portfolio. A few comments I'm confident in making. - Regarding the fixed income portion of your portfolio - refer you to "...
by EvelynTroy
Tue Apr 18, 2017 7:34 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Performance Tracking questions
Replies: 2
Views: 348

Portfolio Performance Tracking questions

Hoping I can write this clearly - I'm never quite at ease with tracking/monitoring my portfolio return/performance - here is what I have - just seems to be kind of jumbled to me. - This google sheets ( with help from boglehead I was able to modify mine to show percent and dollar amounts for rebalanc...
by EvelynTroy
Mon Apr 17, 2017 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Best way to take RMD
Replies: 18
Views: 2601

Re: Best way to take RMD

OK Karl V - very good idea. I would like the charity to have use of the money for most all of the year. After speaking with my tax person it may well turn out that it might be helpful to give more than the $2,000 to charity - which would be fine. Evelyn But keep in mind that anything you give via y...
by EvelynTroy
Mon Apr 17, 2017 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Best way to take RMD
Replies: 18
Views: 2601

Re: Best way to take RMD

OK Karl V - very good idea.
I would like the charity to have use of the money for most all of the year.
After speaking with my tax person it may well turn out that it might be helpful to give more than the $2,000 to charity - which would be fine.

Evelyn
by EvelynTroy
Mon Apr 17, 2017 5:47 am
Forum: Investing - Help with Personal Investments
Topic: Best way to take RMD
Replies: 18
Views: 2601

Re: Best way to take RMD

Thank you all sincerely for your replies - this discussion has been very helpful. I've copied into a doc for future reference. Munir noted: On reconsideration, she seems to know what she is doing and does not need any suggestions from me! No Munir when I wrote the post I knew just enough to be dange...
by EvelynTroy
Sat Apr 15, 2017 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Best way to take RMD
Replies: 18
Views: 2601

Re: Best way to take RMD

Thank you dbr -
I am supposed to speak with my tax person this week - couple questions I have.
I will discuss this option regarding the RMD.
I was going to mail my April estimated tax this morning - wonder if I should wait? Maybe I don't have to do the estimated tax filing.

Evelyn
by EvelynTroy
Sat Apr 15, 2017 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Best way to take RMD
Replies: 18
Views: 2601

Best way to take RMD

I am so appreciative for the recent help on rebalancing my portfolio - I've gotten the rebalancing done, other than holding the equities I sold in the money market until I find a good deal on a CD. Now I'm looking ahead to plan for taking my first Required Minimum Distribution (RMD) I turn 70.5 Oct....
by EvelynTroy
Thu Apr 13, 2017 7:00 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Acnt
Replies: 4
Views: 819

Re: Edward Jones Acnt

I echo Silk McCue's thoughts. I prefer my accounts being tidy, for me just sets my mind at ease not having random accounts I don't use out there. I would also request to be taken off their mailing list(s) - no need for EJ's advertising. Like Silk noted, the salespeople can be persistent - just be fi...
by EvelynTroy
Thu Apr 13, 2017 6:39 am
Forum: Investing - Help with Personal Investments
Topic: looking for some confirmation
Replies: 7
Views: 627

Re: looking for some confirmation

Congratulations on beginning your investing career with no debt - this is huge advantage right out of the gate. Deciding whether to include a fixed income asset allocation I'd suggest imo one of the all time best/thoughtful/helpful posts @bogleads forum - I printed this post out and reread it every ...
by EvelynTroy
Mon Apr 10, 2017 8:20 am
Forum: Investing - Help with Personal Investments
Topic: Evaluating Bond ETF's - BND vs AGG
Replies: 9
Views: 1104

Re: Evaluating Bond ETF's - BND vs AGG

Thanks for the replies - I knew Larry didn't like BND, but I never did know why - so this is helpful. As an aside I have great respect for Larry - his firm Buckingham managed my assets for awhile - they helped me a lot and not just the portfolio mgmt. No complaints - it was only the cost that I deci...
by EvelynTroy
Mon Apr 10, 2017 7:36 am
Forum: Investing - Help with Personal Investments
Topic: Evaluating Bond ETF's - BND vs AGG
Replies: 9
Views: 1104

Evaluating Bond ETF's - BND vs AGG

I've recently received help here on calculating how to rebalance my portfolio - I've accomplished that and now deciding on reinvesting the equity ETF shares I sold. This is for an IRA account. Have my eye on a 5 yr. CD credit union - but also considering: Vanguard Total Bond Market - BND (0.06 ER) I...
by EvelynTroy
Sat Apr 08, 2017 8:49 am
Forum: Investing - Theory, News & General
Topic: Where to go for free or low cost advice?
Replies: 23
Views: 2264

Re: Where to go for free or low cost advice?

I suggest https://investingroadmap.wordpress.com/ I'm not sure, but I believe pkcrafter - boglehead on this forum has developed and shared this outstanding resource. The 100 page book - Investing Made Simple by Mike Piper @obliviousinvestor.com The Elements of Investing by Burton Malkiel and Charles...
by EvelynTroy
Fri Apr 07, 2017 6:03 pm
Forum: Investing - Theory, News & General
Topic: State Farm 5 year CD at 2.30% - any hesitation in investing with them?
Replies: 11
Views: 2655

Re: State Farm 5 year CD at 2.30% - any hesitation in investing with them?

Nyclon - Take a look @ depositaccounts.com Use the pull-down menu for 5 yr CD - Mountain America Credit Union has 5yr CD @2.75% - EWP 1 yr. They were offering a one time -bump up rate - but that is discontinued. If not Utah resident you will need to join American Consumer Council for $5.00 I was goi...
by EvelynTroy
Thu Apr 06, 2017 8:21 am
Forum: Investing - Theory, News & General
Topic: "10-investing-lessons-of-the-century (so-far)"
Replies: 12
Views: 2212

Re: "10-investing-lessons-of-the-century (so-far)"

I happened to think for Nisiprius and anyone else - I will be copying this presentation into a google document - all slides in one continuous document today or tomorrow. I will be happy to share a public link to the document. I do not believe a person would need a google account to access the docume...