Search found 28 matches

by Mardoc01
Wed Oct 04, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Reasonable hourly rate for a cfp?
Replies: 14
Views: 1080

Reasonable hourly rate for a cfp?

In so fla where there are a ton of them. Money management and AA is all I'm looking for. Maybe meet on a quarterly basis for a discussion and tlh, rebalance recs etc. any opinions on a fair price ?
by Mardoc01
Wed Sep 06, 2017 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: vwo or eem ?
Replies: 9
Views: 643

Re: vwo or eem ?

i guess it just comes down to i would like one excellent emerging market etf ?
by Mardoc01
Wed Sep 06, 2017 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: vwo or eem ?
Replies: 9
Views: 643

Re: vwo or eem ?

what about iemg with iefa?
by Mardoc01
Wed Sep 06, 2017 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: vwo or eem ?
Replies: 9
Views: 643

Re: vwo or eem ?

omg so many choices just for thsat narrow market? thx for that link. i dont have an opinion one way or the other, just geopolitical risk with south korea NO? or do you feel it would be a contrarian type investment per se
by Mardoc01
Wed Sep 06, 2017 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: vwo or eem ?
Replies: 9
Views: 643

Re: vwo or eem ?

thx i was just looking for a general emerging market funds with broad divesification so if i go with iemp instead of vwo for emerging and also go with vea for lg cap devoping market exposure. i am now buying south korea X2 ? dont know with the crazy dough boy and his rockets. i suppose it wouldnt ma...
by Mardoc01
Wed Sep 06, 2017 11:45 am
Forum: Investing - Help with Personal Investments
Topic: vwo or eem ?
Replies: 9
Views: 643

vwo or eem ?

or is their a better general EM etf out there you prefer? all recommendations appreciated . I also dont like VEA for some reason for large cap developing markets- any ideas for a good alternative there as well ?
by Mardoc01
Tue Sep 05, 2017 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: structured notes ?
Replies: 10
Views: 893

Re: structured notes ?

It does ring too good to be true. Essentially. Pick a time period and an assoc market, hope market goes up. And if it does ur supposed to get that percent. The argument for or against is on the downside protection- down 20% u get full principle back. Down 50% - u may lose 40. Down 80%_ u may lose ev...
by Mardoc01
Tue Sep 05, 2017 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: structured notes ?
Replies: 10
Views: 893

structured notes ?

what are your thought on these ? limited downside, protection with only up potentially. equity linked notes- for example tied to the s/p 500 ,but you can tie it to any equity market really. ie, jp morgan or bnp paridis created notes ?
by Mardoc01
Sun Aug 27, 2017 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with series EE savings bonds?
Replies: 28
Views: 2914

Re: What to do with series EE savings bonds?

Fwiw, I couldn't redeem my bonds at the bank. 1981 issues and they were TooThick for the readers. I had to mail it to the treasury in minn. they did direct deposit it to my bank however. A little inconvenient.
by Mardoc01
Tue Aug 22, 2017 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: Scary times.. not really. Rebalance recommendations?
Replies: 9
Views: 2138

Re: Scary times.. not really. Rebalance recommendations?

Thx for the wise words. I'm not bored. Just antsy. A little bit
by Mardoc01
Tue Aug 22, 2017 5:33 am
Forum: Investing - Help with Personal Investments
Topic: Scary times.. not really. Rebalance recommendations?
Replies: 9
Views: 2138

Re: Scary times.. not really. Rebalance recommendations?

Thx so much. I agree with your interpretation for AA. I guess I'm really asking theories on future returns and therefore market analysis , which I know if fraught with risk, should. NOt be done How bout maybe a third lifecycle which would have bond allocation in it. Also, how has small cap internati...
by Mardoc01
Mon Aug 21, 2017 11:47 pm
Forum: Investing - Help with Personal Investments
Topic: Scary times.. not really. Rebalance recommendations?
Replies: 9
Views: 2138

Scary times.. not really. Rebalance recommendations?

Have 403b/457. Both with equal weighting of fsemx,fsiix,fusex. Obviously, the fusex500 with greatest gains, fsemx with small and midcap has now turned down, and fsiix the int fund has lagged past few years , but might it turn ? Question is would you rebalance away some form the first two predominant...
by Mardoc01
Thu Aug 17, 2017 9:25 pm
Forum: Investing - Theory, News & General
Topic: What we know about robo advisors
Replies: 135
Views: 14833

Re: What we know about robo advisors

Essentially you create a pair of transactions which together are riskless but allow you to realize tax loses and gains when you want. For example buy a stock, short the call and long the put. If the stock goes up you can buy the call back, take the loss keeping the capital gain in the stock. If the...
by Mardoc01
Thu Aug 17, 2017 8:28 pm
Forum: Investing - Theory, News & General
Topic: What we know about robo advisors
Replies: 135
Views: 14833

Re: What we know about robo advisors

jbolden1517 wrote:
Thu Aug 17, 2017 6:00 pm
Mardoc01 wrote:
Thu Aug 17, 2017 4:00 pm
Shorts of lots of ???laterwith ?
Sorry don't understand the question.
No prob. Jaujust didnt understand your last sentence. Just the last bit there. ...later. Didn't make sense
by Mardoc01
Thu Aug 17, 2017 4:00 pm
Forum: Investing - Theory, News & General
Topic: What we know about robo advisors
Replies: 135
Views: 14833

Re: What we know about robo advisors

Shorts of lots of ???laterwith ?
by Mardoc01
Wed Aug 16, 2017 4:40 pm
Forum: Investing - Theory, News & General
Topic: What we know about robo advisors
Replies: 135
Views: 14833

Re: What we know about robo advisors

Also, do u have any comment on the td Ameritrade results. Only two quarters but no terrible in comparison ?
by Mardoc01
Wed Aug 16, 2017 4:40 pm
Forum: Investing - Theory, News & General
Topic: What we know about robo advisors
Replies: 135
Views: 14833

Re: What we know about robo advisors

I am always amazed by the word play in financial industry - create more opportunities for tax loss harvesting - doesn't this mean losing money in individual stocks? Are they legally saying "we will lose money for you once you have $500,000 to invest with us" Yes that is what it means. Say you hold ...
by Mardoc01
Tue Aug 15, 2017 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Robo Report for Q2 2017
Replies: 4
Views: 448

Re: Robo Report for Q2 2017

Noticed td Ameritrade is now there. Not too bad. Still waiting for tlh though
by Mardoc01
Sat Aug 12, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: What the best identity theft co.?
Replies: 21
Views: 1457

Re: What the best identity theft co.?

Thx. But are u saying freeze my credit, with the minor hassle it can be, even though I haven't had I'd breached.? As far as I know. I agree and I am checking annual credit report, although I need to stagger instead of all 3 at once. Also, would credit karma function much like the Id theft credit com...
by Mardoc01
Sat Aug 12, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: What the best identity theft co.?
Replies: 21
Views: 1457

Re: What the best identity theft co.?

Agree. But what about real time updates ? They contact u well before one would realize ?? Any positives ?
by Mardoc01
Sat Aug 12, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: What the best identity theft co.?
Replies: 21
Views: 1457

What the best identity theft co.?

Looking for simple ID theft protection. Also, how much monetary protection should be guaranteed. Life lock for example starts at 9.99/ mo for just 25 k. And goes up to 1 mil for more. How much should u need and is it neeeded ?
by Mardoc01
Wed Aug 09, 2017 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: is malpractice insurance provided by academic medical center sufficient?
Replies: 8
Views: 556

Re: is malpractice insurance provided by academic medical center sufficient?

Is it a state/ federal backed facility ? Sovereign immunity also a consideration? That said, agree with previous posters. Don't make yourself the deepest pocket besides the Hosp.
by Mardoc01
Wed Aug 09, 2017 9:32 am
Forum: Personal Finance (Not Investing)
Topic: A fair price for accountant and a simplified tax return?
Replies: 7
Views: 934

Re: A fair price for accountant and a simplified tax return?

About what I expected. 200-250 seems on the low end ? The return is still sev pages but is most likely just input data from my organized info I mail to the firm. Still I guess 500 is fair but ... always hear about " 'my acct charges 200 and is great ". Lol
by Mardoc01
Tue Aug 08, 2017 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: A fair price for accountant and a simplified tax return?
Replies: 7
Views: 934

A fair price for accountant and a simplified tax return?

Not self employed anymore Will go,to a straight forward w-2 with a new employer. Now, I still have rental property and a few trades etc. his return will not go from multiple pages to a two page 1040ez. However, it will be fairly straight forward. Yet I still may not want to diy. So, question for boa...
by Mardoc01
Sun Aug 06, 2017 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: [Help with TD Ameritrade robo-adviser portfolio]
Replies: 8
Views: 315

Re: What we know about robo advisors

Jbold, Pardon my ignorance. But what is it you define as "managed selling " Selling off your current positions as loses are incurred. Essentially slowly rebalancing you out of your current positions into new ones moving the cost basis over to them. So you sell with no tax impact. .also. You're righ...
by Mardoc01
Sun Aug 06, 2017 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: [Help with TD Ameritrade robo-adviser portfolio]
Replies: 8
Views: 315

Re: What we know about robo advisors

Jbold, Pardon my ignorance. But what is it you define as "managed selling ".also. You're right I'm very concentrated. Just put large money bets on spy/vti. In 2014. Large tax hit if I sell those. I don't Think iwill. Just some of my smaller individual stock holdings. Although I may put trailing stop...
by Mardoc01
Sun Aug 06, 2017 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: [Help with TD Ameritrade robo-adviser portfolio]
Replies: 8
Views: 315

Re: What we know about robo advisors

Newbie here, have accts with Td Am. Their essentials robo has a .3 fee and at this time doesn't include TLHarvesting. Provided they ge this , would be interested in an evaluation of the robo philosophy they are using with their essentials portfolio. Thx. Sure hadn't planned to do this one. TD Essen...
by Mardoc01
Sun Aug 06, 2017 11:02 am
Forum: Investing - Help with Personal Investments
Topic: [Help with TD Ameritrade robo-adviser portfolio]
Replies: 8
Views: 315

[Help with TD Ameritrade robo-adviser portfolio]

[Moved into a stand-alone thread from: What we know about robo advisors --admin LadyGeek] Newbie here, have accts with Td Am. Their essentials robo has a .3 fee and at this time doesn't include TLHarvesting. Provided they ge this , would be interested in an evaluation of the robo philosophy they ar...