Search found 157 matches

by EvelynTroy
Sat Mar 18, 2017 8:44 am
Forum: Investing - Theory, News & General
Topic: Bogle Interview CNN - Sat.
Replies: 41
Views: 3646

Bogle Interview CNN - Sat.

I wonderful 16 min. interview with Mr. Bogle just completed at CNN - on state of the economy.
Just a pleasure.

http://www.cnn.com/videos/tv/2017/03/18 ... conomy.cnn

Evelyn
by EvelynTroy
Mon Oct 31, 2016 10:39 am
Forum: Investing - Theory, News & General
Topic: Vanguard blog gives Bogleheads kudos
Replies: 25
Views: 2752

Vanguard blog gives Bogleheads kudos

Nice thank-you to Bogleheads and 3 questions that were answered at the Bogleheads convention Q&A at the Vanguard headquarters.

http://vanguardblog.com/2016/10/31/than ... ogleheads/
by EvelynTroy
Mon Oct 24, 2016 10:37 am
Forum: Investing - Theory, News & General
Topic: Dr. Bill Bernstein Books
Replies: 40
Views: 3746

Re: Dr. Bill Bernstein Books

Stemkiger, These two files (google docs) are notes/outline on the Four Pillars book and Investor's Manifesto. You can take a look for the gist of each -maybe helpful in deciding which one to read first. Four PIllars: https://docs.google.com/document/d/1MAjDnkI0uxi23P3zgTtxaZzf05tlLzjXy3SSQiUWYn4/edi...
by EvelynTroy
Sun Oct 23, 2016 8:46 am
Forum: Investing - Theory, News & General
Topic: Merrill Edge VS RobinHood
Replies: 47
Views: 3584

Re: Merrill Edge VS RobinHood

GuitarXM - I see you've started an investing journey - Your post gave me a nudge to look at some of my investing documents and review/refresh some of the “classics” I’ve saved over the years - You’re interested in Benjamin Graham - here is Graham’s type-written lecture he gave in 1963, “Securities I...
by EvelynTroy
Sun Oct 23, 2016 7:04 am
Forum: Investing - Theory, News & General
Topic: How to know phone call from mutual fund company is legitimate?
Replies: 18
Views: 1744

Re: How to know phone call from mutual fund company is legitimate?

My recent experience along these lines - 8 pm receive a call from a company saying they were company X, marketing company doing a survey for XX my brokerage company. If I would take a survey, about 15 -20 min. I would receive a $100 Amazon gift card. Didn't sound quite right to me, "thank you, ...
by EvelynTroy
Thu Oct 20, 2016 7:41 am
Forum: Investing - Theory, News & General
Topic: Charles Ellis - new book, excerpt
Replies: 3
Views: 922

Charles Ellis - new book, excerpt

Charles Ellis - The Index Revolution: Why Investors Should Join It Now Excerpt: http://www.institutionalinvestor.com/article/3578179/asset-management-indexing-and-etfs/book-excerpt-charles-ellis-and-the-index-revolution.html#.WAi6W-UrJrQ From the publisher: http://www.wiley.com/WileyCDA/WileyTitle/p...
by EvelynTroy
Fri Oct 14, 2016 7:23 am
Forum: Investing - Theory, News & General
Topic: CFSB 33 month, 2% CD (IL TN KY MO)
Replies: 1
Views: 263

Re: CFSB 33 month, 2% CD (IL TN KY MO)

Thanks very much for posting this CD offering. Very helpful - I've been looking for one.
I'm going to purchase one today.
Just to note - you can also take advantage of this 33 mo. CD as an IRA CD.

Evelyn
by EvelynTroy
Tue Jun 07, 2016 10:57 am
Forum: Investing - Theory, News & General
Topic: NASA Federal Credit Union -Question
Replies: 11
Views: 885

Re: NASA Federal Credit Union -Question

Thanks for the replies. I'm not worried about the Fico score being a bit lower; so guess it doesn't matter that they do the hard pull. Glad that you are satisfied with NASA Federal skepticalobserver - appreciate the response. I phoned the other day about some account opening questions - felt like th...
by EvelynTroy
Tue Jun 07, 2016 7:57 am
Forum: Investing - Theory, News & General
Topic: NASA Federal Credit Union -Question
Replies: 11
Views: 885

NASA Federal Credit Union -Question

I'm considering a 49 month IRA CD At NASA Federal - 2.20% https://www.depositaccounts.com/banks/nasa-federal-credit-union/offers/ I noticed in the comments of the review: If you open an account here they do a HARD credit pull which lowers your credit score. I don't understand what this means - anyth...
by EvelynTroy
Mon Feb 15, 2016 9:58 pm
Forum: Investing - Theory, News & General
Topic: Investing Website You Follow
Replies: 16
Views: 2362

Re: Investing Website You Follow

I skimmed the wiki list - please excuse if any duplicates

http://www.coffeehouseinvestor.com/feed/

Carl Richards - http://www.behaviorgap.com/

Ben Carlson - http://awealthofcommonsense.com/

depositaccounts.com (I use this to catch any good deals on CDs)


Evelyn
by EvelynTroy
Sat Jan 23, 2016 7:09 am
Forum: Investing - Theory, News & General
Topic: 3.03% Certificate :: Founders Federal Credit Union
Replies: 5
Views: 1578

Re: 3.03% Certificate :: Founders Federal Credit Union

Thank you renue74 for the heads-up. Very helpful - I sent a note to a friend who will be interested in this promotion. This is a huge community and you never know who this and other promotions will be a great help to. As as an aside maybe of interested to readers - I use an RSS news reader (Feedly, ...
by EvelynTroy
Wed Dec 16, 2015 9:18 am
Forum: Personal Consumer Issues
Topic: WSJ - Cancel and Invest Subscription Fee in S&P500 or Read Daily - Which is a Better Investment?
Replies: 43
Views: 4215

Re: WSJ - Cancel and Invest Subscription Fee in S&P500 or Read Daily - Which is a Better Investment?

JoeJones, Its difficult to recommend which option is a better investment not knowing your particular circumstances, i.e. do you need to read the WSJ for your work, or perhaps you have specific goals/objectives in reading cover to cover. I'll just speak to my own needs and perhaps something will be o...
by EvelynTroy
Wed Dec 02, 2015 9:15 am
Forum: Investing - Theory, News & General
Topic: Bloomberg Article [Vanguard’s Gain Is Wall Street’s Pain]
Replies: 30
Views: 3291

Vanguard's Gain_Wall Streets Pain - article

Perhaps of interest from Bloomberg - article explains While Washington has long been debating how to reform big Wall Street banks, Vanguard Group is quietly doing just that as the company and its army of index funds remove about $20 billion a year in revenue from the financial industry. http://www.b...
by EvelynTroy
Sat Nov 07, 2015 3:07 pm
Forum: Investing - Theory, News & General
Topic: USALLIANCE CD Promotion - New Members Only
Replies: 26
Views: 2656

Re: USALLIANCE CD Promotion - New Members Only

tbradnc, The previous USAlliance CD promotion - believe it was in Sept. 2015 was also for new members, but they offered referral; where if you were a member and referred a new member the person giving the referral could also take advantage and purchase a CD under that promotion. The new member simpl...
by EvelynTroy
Sat Nov 07, 2015 9:40 am
Forum: Investing - Theory, News & General
Topic: USALLIANCE CD Promotion - New Members Only
Replies: 26
Views: 2656

Re: USALLIANCE CD Promotion - New Members Only

I was looking for the same thing Kevin - hoping we could give a referral to someone - no, doesn't look like they are offering this. The last one I was fortunate to get a referral from someone on bogleheads. So yes I'm keeping an eye out, especially for larger denomination CDs. BTW - I use feedly RSS...
by EvelynTroy
Fri Nov 06, 2015 9:29 pm
Forum: Investing - Theory, News & General
Topic: USALLIANCE CD Promotion - New Members Only
Replies: 26
Views: 2656

USALLIANCE CD Promotion - New Members Only

USALLIANCE Financial has a 5-month Fixed CD Special (3.05% APY) available to new members only. Min deposit $500/max deposit $10K. Must be opened using mobile app. https://www.depositaccounts.com/blog/2015/11/usalliance-financial-adds-5month-cd-special-members.html I have had 2 CD's with USAlliance a...
by EvelynTroy
Fri Nov 06, 2015 5:52 pm
Forum: Investing - Theory, News & General
Topic: Understanding performance data in A. Roth article
Replies: 5
Views: 688

Re: Understanding performance data in A. Roth article

Thought I would repost my question and make a correction I said: Then I'm confused how Mr. Roth could compare returns from Dec. 31, 1999 to June 30, 2015 - when only Total Bond Market was an open for business fund? Definitely wrong - the times of inception are: VBMFX 12/11/86 VTSMX 4/27/92 VGTSX 4/2...
by EvelynTroy
Fri Nov 06, 2015 10:02 am
Forum: Investing - Theory, News & General
Topic: Understanding performance data in A. Roth article
Replies: 5
Views: 688

Understanding performance data in A. Roth article

Hello - I have learned a lot from articles by Allan Roth - his writings are always clear and easy to understand. I would like to understand how the performance figures in this article have been calculated, or where I could see the same results. What type of performance is Mr. Roth showing? When I lo...
by EvelynTroy
Thu Nov 05, 2015 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: need spreadsheet for tracking CD's interest
Replies: 25
Views: 1483

Re: need spreadsheet for tracking CD's interest

No I didn't bother looking at your YouTube video link - I was frankly irritated by your snarkiness which you continue to show. I use Youtube videos all the time to learn all sorts of things - and example something that was kind of funny - I thought it had been quite awhile since the air filter was c...
by EvelynTroy
Tue Nov 03, 2015 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: need spreadsheet for tracking CD's interest
Replies: 25
Views: 1483

Re: need spreadsheet for tracking CD's interest

Thank you JzinCo for the offer - very kind of you. The one that someone sent me will work just fine - I can see the formula for adding the columns. I could not visualize how this would be set-up before even though I had tried to set up the rows and columns and really got no where fast - whole reason...
by EvelynTroy
Tue Nov 03, 2015 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: need spreadsheet for tracking CD's interest
Replies: 25
Views: 1483

Re: need spreadsheet for tracking CD's interest

And what software are you going to use for this spreadsheet? Do you have Excel? Or are you going to need someone to create a Google Sheets for you so that you can stay on the Google platform? -------------- No I do not have Excel - nor do I need it. I can convert any spreadsheet to a Google Sheets ...
by EvelynTroy
Tue Nov 03, 2015 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: need spreadsheet for tracking CD's interest
Replies: 25
Views: 1483

Re: need spreadsheet for tracking CD's interest

I'm about done with this topic - however, few things. I politely and respectfully requested if someone could point me to a spreadsheet that might be available what I got was a lecture and a snarky reply that was said why bother us when any idiot can build a simple spreadsheet - of course there are n...
by EvelynTroy
Tue Nov 03, 2015 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: need spreadsheet for tracking CD's interest
Replies: 25
Views: 1483

Re: need spreadsheet for tracking CD's interest

Well Kosmo, I'll respectfully disagree with your assessment. There are many, many widely publicly shared financial spreadsheets available - for example right here on bogleheads are several different spreadsheets that do a variety of financial/portfolio related tasks. I just thought someone knew of o...
by EvelynTroy
Tue Nov 03, 2015 11:22 am
Forum: Investing - Help with Personal Investments
Topic: need spreadsheet for tracking CD's interest
Replies: 25
Views: 1483

Re: need spreadsheet for tracking CD's interest

The difficulty is I am a very beginner user of spreadsheets - therefore I am looking for one that has been created and shared that I can just plug in my CD's, when they come due, interested earned each month, and calculates a running total. Yes I understand there are several spreadsheet options avai...
by EvelynTroy
Tue Nov 03, 2015 10:24 am
Forum: Investing - Help with Personal Investments
Topic: need spreadsheet for tracking CD's interest
Replies: 25
Views: 1483

Re: need spreadsheet for tracking CD's interest

Thank you go-mets for the reply. I have 4 CD's that I purchased online and only receive online statements each month - also 2 brokered CD's. I can easily see the individual CD's updated interest amount what I wish to do is have all of the CD's listed in one place, i.e. a spreadsheet - wherein I can ...
by EvelynTroy
Tue Nov 03, 2015 8:56 am
Forum: Investing - Help with Personal Investments
Topic: need spreadsheet for tracking CD's interest
Replies: 25
Views: 1483

need spreadsheet for tracking CD's interest

Hello - Spreadsheet beginner here. If anyone could point me to a simple spreadsheet (I use google sheets, but could convert an Excel SS) - that would allow me to maintain a list of my CD's providing the date of maturity, ifs its a taxable or held in IRA account, the interest earned of each CD, and k...
by EvelynTroy
Sun Oct 25, 2015 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Purchased brokered CD - was it a mistake?
Replies: 9
Views: 1152

Re: Purchased brokered CD - was it a mistake?

pocketcruiser, Thank you for your reply, but wanted to note. I don't purchase CD's based on any market conditions now or in the future. My portfolio fixed income is considered the safe money - taking risk on the equity side. The CD's provide guaranteed return, which is assuring, combined with the FD...
by EvelynTroy
Sun Oct 25, 2015 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Purchased brokered CD - was it a mistake?
Replies: 9
Views: 1152

Re: Purchased brokered CD - was it a mistake?

Thank you in-reality - I purchased both these CD's at par - they were new issue CD's. I thought an advantage to brokered cd was that you could sell it? Allan Roth notes when writing about brokered CD's: A key difference between these CDs and the ones you buy from banks is that brokered CDs trade lik...
by EvelynTroy
Sun Oct 25, 2015 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Purchased brokered CD - was it a mistake?
Replies: 9
Views: 1152

Purchased brokered CD - was it a mistake?

Hello - I've been in, seems forever process of dropping, low cost fee-only advisor and transitioning to managing the 3 account (IRA, Taxable, Roth IRA) portfolio myself. As an aside - portfolio 60% fixed income/40% equity - using basic ETF index funds that have no transaction fees at TD Ameritrade. ...
by EvelynTroy
Fri Oct 16, 2015 12:50 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 330
Views: 30993

Re: Northwest FCU 3-year 3.04% Add-On CD

My funds were also pulled from my external account today to fund the 3-yr. 3.04% CD. Big thank you to Kevin for pointing this CD out so promptly to all of us. I have an RSS news feed set up for depositaccounts.com -but for some strange reason I got unlinked from my newsreader about the time this CD ...
by EvelynTroy
Sat Sep 26, 2015 7:10 am
Forum: Investing - Theory, News & General
Topic: Investment advice to my kids
Replies: 15
Views: 1916

Re: Investment advice to my kids

NSBCO - Along the lines of investment advice to young people I like Charles Ellis' "letter to the grandkids" - I think its timeless, and is one of those articles that should be read by all investors. Might be worthwhile to format it nicely, print it out and give each a copy - and have some...
by EvelynTroy
Thu Aug 20, 2015 12:02 pm
Forum: Investing - Theory, News & General
Topic: 25 Month CD at 2.27% at US Alliance Federal Credit Union
Replies: 24
Views: 5642

Re: 25 Month CD at 2.27% at US Alliance Federal Credit Union

Yes the 25 mo. 2.27% promotion did end yesterday. However, there is this one - that I faxed my application and transfer paperwork today for that might work for you: MyChoice CD Special - Add 0.50% to ANY CD Rate (excluding specials) Minimum to open a CD is $500. eStatements are required. First time ...
by EvelynTroy
Thu Aug 20, 2015 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Retiring Couple with some money to invest
Replies: 11
Views: 1947

Re: Retiring Couple with some money to invest

Claquet, Previous poster said, "cd's are not investing" This pronouncement leads me to provide a reminder - very well-meaning people can provide advice that is right for them, and their opinion, but is not necessarily fact. My advice and I'm not expert, be cautious. Cd's can be a very impo...
by EvelynTroy
Tue Aug 18, 2015 9:08 am
Forum: Investing - Theory, News & General
Topic: 25 Month CD at 2.27% at US Alliance Federal Credit Union
Replies: 24
Views: 5642

Re: 25 Month CD at 2.27% at US Alliance Federal Credit Union

Thanks to KevinM for his detailed blog post describing his US Alliance experience. Last month I had a US Alliance CD mature - all went smooth and efficient getting the CD cashed in; also the opening of the CD, any calls I made to US Alliance all were nicely handled. No problems at all with this CU f...
by EvelynTroy
Wed Aug 05, 2015 7:39 am
Forum: Investing - Theory, News & General
Topic: Allan Roth
Replies: 13
Views: 2113

Re: Allan Roth

I too believe Allan Roth has a lot to offer investors. I particularly like his approach to using/recommending going directly to banks and credit unions for good paying CD's for the fixed income side of portfolios - just so sensible. Mr. Roth's portfolio if interested: http://blog.aarp.org/2015/06/15...
by EvelynTroy
Thu Jul 30, 2015 8:07 am
Forum: Investing - Help with Personal Investments
Topic: reorganizing portfolio -need international suggestions
Replies: 1
Views: 241

reorganizing portfolio -need international suggestions

Some months back I received guidance here on simplifying my portfolio and dropping my very low cost fee-only advisor - big thank you again for the help and direction, in particular to KevinM. I'm now tackling this project. :D I have decided to remain with TDAmeritrade and simply move my portfolios (...
by EvelynTroy
Thu Jun 25, 2015 12:54 pm
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 220
Views: 32886

Re: What was the 2008 crash like in real time?

ajacobs6, Not the 2008 crash, but the decline in 2011 gave us a very memorable post from boglehead nisiprius. It was written in real time then. It is one of those "keepers" - print this out and refer to it every now and then for me. I hope you find it helpful as you evaluate your own portf...
by EvelynTroy
Tue Jun 09, 2015 1:03 pm
Forum: Investing - Theory, News & General
Topic: 9 Funds for a Rainy Day
Replies: 16
Views: 3462

Re: 9 Funds for a Rainy Day

You can see the other 8 funds by going to the article: http://www.kiplinger.com/slideshow/investing/T041-S002-9-mutual-funds-for-volatile-markets/index.html then at top right side you will see Print/View as Single Page Click that link and you will see all 9 funds in a single page/column
by EvelynTroy
Fri May 15, 2015 8:14 am
Forum: Investing - Theory, News & General
Topic: Bill McNabb interview (2 hrs. this weekend)
Replies: 8
Views: 2435

Bill McNabb interview (2 hrs. this weekend)

From Barry Ritholz @ Bloomberg. This weekend 2 hour interview with Bill McNabb, CEO and Chairman the Vanguard Group. Introduction to the interview here with link at the bottom to this weekend's interview: http://www.ritholtz.com/blog/2015/05/vanguard-ceo-we-want-to-drive-costs-even-lower/ It looks t...
by EvelynTroy
Sun May 10, 2015 11:56 am
Forum: Investing - Theory, News & General
Topic: Own Berkshire-A but not getting annual letters/meeting invitation
Replies: 6
Views: 1807

Re: Own Berkshire-A but not getting annual letters/meeting invitation

I attended the meeting years ago - I was a guest of a shareholder - as a shareholder you should receive 4 tickets/credentials. Here is where I would go for detailed information on how to receive your invitation, when to make reservations, any other details about the meeting - the Berkshire discussio...
by EvelynTroy
Mon Feb 23, 2015 11:41 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 439
Views: 74772

Re: Schwab Intelligent Portfolio Details

Perhaps of interest - The Finance Buff (Harry Sit) has written on Schwab Intelligent Portfolios this a.m.

http://thefinancebuff.com/schwab-intelligent-portfolios-holding-cash-is-good-for-you.html
by EvelynTroy
Sun Jan 18, 2015 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review help re to dropping advisor
Replies: 17
Views: 2494

Re: Portfolio Review help re to dropping advisor

Big apology for not responding to the discussion and leaving things in the air - different things came up and I just couldn't focus. Sincere thanks for responses and suggestions in particular retiredjg and KevinM - all well thought out and gives me a structure to think about decision making. I'm wor...
by EvelynTroy
Fri Jan 09, 2015 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review help re to dropping advisor
Replies: 17
Views: 2494

Re: Portfolio Review help re to dropping advisor

Charles Schwab is able to hold DFA funds. The local office helped me with paperwork in person. No cost to transfer. No annual fee to hold the funds. No charge to sell. I cannot buy any more unless I pay for a DFA advisor. So far, no complaints. That's interesting tallinvestor - its the same with TD...
by EvelynTroy
Fri Jan 09, 2015 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review help re to dropping advisor
Replies: 17
Views: 2494

Re: Portfolio Review help re to dropping advisor

You say SGOVX is 7.3% of your portfolio, which would mean that your total portfolio value is about 182,000/0.073 = about $2.5M, which is low seven figures, not high six figures. ------------------ I may not have written those percentages correctly. The 7.3 % is - 7.3% of my Non-U.S. Stock holdings ...
by EvelynTroy
Thu Jan 08, 2015 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review help re to dropping advisor
Replies: 17
Views: 2494

Re: Portfolio Review help re to dropping advisor

Kevin, So for every $1,000 of gain, your maximum capital gains tax would be $210 (15% + 6% = 21% x $1,000). Assuming maximum state tax rate of 6%, it could be as low as $60 per $1,000 of gain if you end up in the 15% federal tax bracket (0% federal cap gains rate). For SGOVX looking at my statement ...
by EvelynTroy
Thu Jan 08, 2015 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review help re to dropping advisor
Replies: 17
Views: 2494

Re: Portfolio Review help re to dropping advisor

Thanks very much for the replies - I'll fill in some questions some of you had first. - SGOVX holding has been held since somewhere around 2004. I was able to purchase it at the time without the 5% load. I have not added anything to the holding since the initial purchase. I do not reinvest those div...
by EvelynTroy
Thu Jan 08, 2015 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review help re to dropping advisor
Replies: 17
Views: 2494

Portfolio Review help re to dropping advisor

Hopefully I have prepared my portfolio information in good format for review. Emergency Funds: 6 months of cash, plus an at the ready home equity loan set up for $20,000 should funds be needed quickly. I have not included the cash in my portfolio allocations. Debt: Have no debt of any kind, i.e. cre...
by EvelynTroy
Fri Sep 26, 2014 8:29 am
Forum: Investing - Theory, News & General
Topic: It's pretty freaky watching your stocks go up & down all day
Replies: 60
Views: 7458

Re: It's pretty freaky watching your stocks go up & down all

Perhaps some guidance and wisdom by nisiprius - I always thought this post should have been a "sticky" for easy reference. I saved and reread every now and then. IMHO required reading for all investors. A Time To Evaluate Your Jitters http://www.bogleheads.org/forum/viewtopic.php?f=1&t...
by EvelynTroy
Wed Sep 10, 2014 8:43 am
Forum: Investing - Theory, News & General
Topic: How much value can an advisor add for the average investor?
Replies: 71
Views: 6625

Re: How much value can an advisor add for the average invest

The topic of financial advisors in one form or another comes up fairly often - I have posted before on this topic and will add some real life examples of the value added topic. Its probably way too long - but hopefully readers will find something that adds to the discussion. A bit of background - pe...
by EvelynTroy
Sun Sep 07, 2014 9:00 am
Forum: Investing - Theory, News & General
Topic: J. Zweig - smart investors you should follow - bogleheads
Replies: 19
Views: 2966

J. Zweig - smart investors you should follow - bogleheads

Jason Zweig's column this week discusses new research on what's called "shared attention." As a result Mr. Zweig.."the investors you follow may be as important to your financial results as the investments you own. If the people you pay attention to are excitable and impulsive, they ma...

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