Search found 277 matches

by confusedinvestor
Tue Jun 13, 2017 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab 529 Plans
Replies: 10
Views: 805

Re: Schwab 529 Plans

Curious - What accounts do you have in Schwab? and What account you are planning on moving from Vanguard to Schwab? Asking b/c I am in the same boat. You can ask your local Schwab branch to waive all commsions on all Vanguard funds but admiral shares are not available sometimes.... and another downs...
by confusedinvestor
Mon Jun 12, 2017 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab 529 Plans
Replies: 10
Views: 805

Re: Schwab 529 Plans

I have lot of Schwab accounts - DIY, SIA, SIP I think SChwab has own Schwab ETFs for free commision but Fidelity has iShares ETF for free commision, No Fidelity own ETFs Thanks very helpful information and in line with what I was guessing. I would not use their actively managed option but instead wo...
by confusedinvestor
Sun Jun 11, 2017 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab SIP
Replies: 8
Views: 450

Re: Schwab SIP

I'd be curious to know what PC website/app would say on Schwab 3Fund vs Vanguard 3Fund ER for investor shares (not admiral).... Wellington, Wessesly is active and SIP is passive. Schwab claims they put Gold, Junk in Taxable b/c of assest class diversification and take more risk in Fixed side b/c the...
by confusedinvestor
Sun Jun 11, 2017 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab SIP
Replies: 8
Views: 450

Re: Schwab SIP

Why would anyone hold VWELX - Vanguard Wellington Fund Investor Shares which has ER 0.25 ER vs SIP IP 7 which is same AA 65:35 which has less ER 0.18 wighted which can include MUNIs and auth TLH ?
by confusedinvestor
Sun Jun 11, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: How much Life Insurance or Disability Insurance you have?
Replies: 8
Views: 443

Re: How much Life Insurance or Disability Insurance you have?

thanks you! so the schwab calculator is not taking in account of SS, thank you. Initially enough to pay off mortgage, college for child and x number of years for living expenses for survivors, assuming spouse would take some time off from working. Add up your liabilities subtract assets, subtract so...
by confusedinvestor
Sun Jun 11, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: How much Life Insurance or Disability Insurance you have?
Replies: 8
Views: 443

Re: How much Life Insurance or Disability Insurance you have?

Thanks you for the information. I'm 41 and I am paying $70/month for 1 M LI, and now I have to pay extra $50/m for just another 300K LI coverage. DI is very high - Would you mind sharing or PM me please your DI agent info? How do you re-negotiate even ? Life insurance is a 20 year Term . Me - 3 mil ...
by confusedinvestor
Sun Jun 11, 2017 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Schwab 529 Plans
Replies: 10
Views: 805

Re: Schwab 529 Plans

thanks you. so Customized is .03 more expensive vs Index age for UESP Fees which is $90/year for my 300K with UESP now, beside undelying fund expenses...not bad.... oh my god, I didnot know I was paying extra ER for a customized based plan vs Index plan in Uath 529 How do I find out how much extra a...
by confusedinvestor
Sun Jun 11, 2017 11:17 am
Forum: Personal Finance (Not Investing)
Topic: How much Life Insurance or Disability Insurance you have?
Replies: 8
Views: 443

How much Life Insurance or Disability Insurance you have?

1. How much Life Insurance do you have or suggest ? Term Life? 2. How much Disability Insurance do you have or suggest ? 3. Does Vanguard help with Life Insurances like Schwab ? My financial advisor told me we are under-insured so I am trying to figure out how much extra I need, I dont want to up-bu...
by confusedinvestor
Sun Jun 11, 2017 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Schwab SIP
Replies: 8
Views: 450

Re: Schwab SIP

I have 55K in SIP for 85:15 AA and I am yet to find out what is the true cost value of auto THL. You can get a SIP 60:40 with either CA or National Muni, if you want. Are you sure it costs 0.2 after your calculate the "weighted" avg? You can call Schwab and they can send you internal perfo...
by confusedinvestor
Sun Jun 11, 2017 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Schwab 529 Plans
Replies: 10
Views: 805

Re: Schwab 529 Plans

oh my god, I didnot know I was paying extra ER for a customized based plan vs Index plan in Uath 529 How do I find out how much extra am i paying customized vs index plan at Utah ? they are closed now, but I can call on Monday. I heard NY is better vs Uath as NY is cheaper vs Utah. As I live in CA, ...
by confusedinvestor
Thu Jun 08, 2017 12:40 am
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 138
Views: 6670

Re: 100% Stock Portfolio?

and then 1908 ?

Avo wrote:The reason most of us don't do this at age 40 is that we want to retire at age 65, and we worry that it might be 1907 ...
by confusedinvestor
Wed Jun 07, 2017 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help with choosing Financial Planning / Investment Firm
Replies: 15
Views: 910

Re: Help with choosing Financial Planning / Investment Firm

You may want to try http://www.xyplanningnetwork.com/ I'd look for the cheapest CFA national wide. I'm in So CAL and after taking to 30 advisors, I recently hired 2 Advisors as I dont know which Advisor would work out in long term... Hi All, Looking for input on Financial Planner / Investment Manage...
by confusedinvestor
Wed Jun 07, 2017 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Is it possible to make 75k with 100K in x years ?
Replies: 55
Views: 4501

Re: Is it possible to make 75k with 100K in x years ?

My advisor response: """ Without reading your pro/cons list my initial recommendation is that it will be in your best interest to go ahead with the heloc. At 4.2% interest, all of which will be fully deductible to you. Even assuming tax rates fall and you're in the 25% bracket, you're...
by confusedinvestor
Wed Jun 07, 2017 1:43 am
Forum: Investing - Help with Personal Investments
Topic: Help with choosing Financial Planning / Investment Firm
Replies: 15
Views: 910

Re: Help with choosing Financial Planning / Investment Firm

+1

Avo wrote:If I was going to pay an advisor an AUM fee (which I would never ever do), I would find one who uses DFA funds:

https://us.dimensional.com/individuals
by confusedinvestor
Wed Jun 07, 2017 1:40 am
Forum: Investing - Help with Personal Investments
Topic: Help with choosing Financial Planning / Investment Firm
Replies: 15
Views: 910

Re: Help with choosing Financial Planning / Investment Firm

5k-10K for a comprehensive financial plan by a CFP ? What that would include? Some reports from MoenyGuidePro, eMoeny, RiskAlayze, Advizr or RightCapital ? I get MoenyGuidePro reports from Schwab Intelligent Advise for $60/year - and, My CFA+CPA charges $600 for a comprehensive plan. I've not seen a...
by confusedinvestor
Sun Jun 04, 2017 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: Is it possible to make 75k with 100K in x years ?
Replies: 55
Views: 4501

Re: Is it possible to make 75k with 100K in x years ?

Thank you so much Grabiner ! this really helps. I wish i had access to eMoney to model out A, B, C, D. We just reviwed all our bank accounts and looks like we dont have 100K in cash for remodel. Given I recently paid cash on my Solar + Roof = 20K, thus i have 30K cash, and, I have to liqidate my tax...
by confusedinvestor
Sun Jun 04, 2017 11:31 pm
Forum: Investing - Help with Personal Investments
Topic: Is it possible to make 75k with 100K in x years ?
Replies: 55
Views: 4501

Re: Is it possible to make 75k with 100K in x years ?

thank you avalpert. Yes, I have good cash flow now but that is b/c of my 2nd temp job and my 1st perm job is not very stable - so my cash flow is high risk and thus I was putting priority on liquidity. Home: Current Value: 720K (per BoA), Primary Mortgage: 300K 2.5 Fixed 10 Year with Monthly payment...
by confusedinvestor
Sun Jun 04, 2017 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Is it possible to make 75k with 100K in x years ?
Replies: 55
Views: 4501

Re: Is it possible to make 75k with 100K in x years ?

No. Advisor doesnt work on Sundays :-) Advisor was explaining us in high-level (loan/invest vs cash) but yet to complete a comprehensive plan using their software. I hope we will get distraction of outcomes. We just started working with this advisor - http://www.xyplanningnetwork.com/advisors/michae...
by confusedinvestor
Sun Jun 04, 2017 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Is it possible to make 75k with 100K in x years ?
Replies: 55
Views: 4501

Re: Is it possible to make 75k with 100K in x years ?

My advisor says it is better to service (P+I) the loan using current salary / cash flow vs investing that same cash-flow with no loan b/c 100K cash would yield better returns/dividents on 30 yrs for a balanced fund lumpsum vs DCA cash-low of $489/month (wold be loan payment) grabiner, Given my situa...
by confusedinvestor
Sun Jun 04, 2017 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Is it possible to make 75k with 100K in x years ?
Replies: 55
Views: 4501

Re: Is it possible to make 75k with 100K in x years ?

Yes, such a hard decision. What i am sensing now, it is better to pay off the remodel in cash, not take the loan and just invest extra cash flow would have been loan payments to invest which looks like in-line with BH style. I'll ask my fee-only-advisor on my lessons learnt and see what he says. He ...
by confusedinvestor
Sun Jun 04, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Is it possible to make 75k with 100K in x years ?
Replies: 55
Views: 4501

Re: Is it possible to make 75k with 100K in x years ?

Jags4186, #2, ie service the loan (75K loan interest only income generation) from 100K investment income over 30 yrs. I dont know why goal-bucketing and goal-time-based-AA has to be under always overall umbrella AA. Retirement AA is for 50 yrs time-horizen. If the OP intends to pay off the loan from...
by confusedinvestor
Sun Jun 04, 2017 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Is it possible to make 75k with 100K in x years ?
Replies: 55
Views: 4501

Re: There's some mis-math going on here

Monthly cash flow (Income - tax - expenses) is now 3K, but it can drop to 1K anytime as i have a 2nd job which is temp. yes, 100K cash for remodel, and i have 6 month of EF cash (6*8k/month = 50K) Given 4.2 Fixed is low and i have a long time horizon of 30 yrs, I am leaning on investing in Balanced ...
by confusedinvestor
Sun Jun 04, 2017 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Is it possible to make 75k with 100K in x years ?
Replies: 55
Views: 4501

Re: There's some mis-math going on here

Avalpert, This is exactly my fee only advisor told us. Take HELOC-fixed and dont cash out 100K, He thinks Capital markets is "very likely" to return 3.2 to 4.2 % over 30 yrs with AA 60:40 static, As i was not sure, i asked BH, but sadly, i am now more confused what to do, loan/invest vs ca...
by confusedinvestor
Sun Jun 04, 2017 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Is it possible to make 75k with 100K in x years ?
Replies: 55
Views: 4501

Re: Is it possible to make 75k with 100K in x years ?

Hi Dottie, I'm spending/consuming 100K either way for my reno now or in 30 yrs.. Question is pay now/ consume 100K cash with 0$ interest or invest 100K to get a return of 4.2% over 30 years to pay $75K for loan costs. Yes, i have 6 Month EF, Max out Retirements, 28% Tax Bracket, CA, 20% Effective ra...
by confusedinvestor
Sun Jun 04, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Is it possible to make 75k with 100K in x years ?
Replies: 55
Views: 4501

Re: Is it possible to make 75k with 100K in x years ?

Thank you, now I understand, so i have to get 4.2% return (3.2% tax-adjusted) over 30 yrs to breakeven my loan cost. Question: Will you then pay out 100K cash now vs loan Or will you invest 100K in VTMFX for 30 yrs taking market risk?....just asking what would you have done? Again, it does not matte...
by confusedinvestor
Sun Jun 04, 2017 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Is it possible to make 75k with 100K in x years ?
Replies: 55
Views: 4501

Re: Is it possible to make 75k with 100K in x years ?

grabiner, thank you! 1. No, Bank of America told me APY is 4.2 Fixed even for 15 or 20 yrs term b/c this is a HELOAN, but, no pre-payment penalty, so i can repay the loan with extra principal payment as if 15 or 20 yrs term - so - 20 yrs, my interest cost of loan is 50K. 2. Another important point, ...
by confusedinvestor
Sun Jun 04, 2017 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Is it possible to make 75k with 100K in x years ?
Replies: 55
Views: 4501

Re: Is it possible to make 75k with 100K in x years ?

1. wow, this exactly my advisor said, invest in balanced fund - either 60:40 balanced fund or even Vanguard 50:50 tax-balanced fund - VTMFX and we will likely make > 75K (interest payment of my loan) You are likely to make more money on a balanced investment than you pay on the loan, but you can als...
by confusedinvestor
Sun Jun 04, 2017 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Is it possible to make 75k with 100K in x years ?
Replies: 55
Views: 4501

Re: Is it possible to make 75k with 100K in x years ?

1. Advisor is fee-only, only cost me $600 fixed, he will not get any AUM or anything. Only thing i dont like about my advisor is he suggests Vanguard index funds which are expensive vs Schwab indexes :-) 2. Looks like I dont have to make 4.2 CGAR on my 3 Fund 60:40 to beat Loan's 4.2 APY Amortized, ...
by confusedinvestor
Sun Jun 04, 2017 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Is it possible to make 75k with 100K in x years ?
Replies: 55
Views: 4501

Re: Is it possible to make 75k with 100K in x years ?

Yes, I am approved for 200K for 4.2 Fixed for 30 yrs ( I am approved for negative -0.50 margin below prime 4.0), since i am fixing it, it is 0.7 high which is 4.2. Why would I take more? I am confused, as i need only 100K for my remodel. I am not trying to make $ on this loan. If you can beat the co...
by confusedinvestor
Sun Jun 04, 2017 2:45 am
Forum: Investing - Help with Personal Investments
Topic: Is it possible to make 75k with 100K in x years ?
Replies: 55
Views: 4501

Re: Is it possible to make 75k with 100K in x years ?

Am i not interpreting portfoliovisualizer data correctly? I kept 100K for 20 yrs in AA 60:40 from 1992 to 2012 which includes 2 major market corrections yet, 100K will compound to 275K inflation adjusted (excluding dividends) which will yield > 75K of my interest for 30 yrs - I understand past perfo...
by confusedinvestor
Sat Jun 03, 2017 11:51 pm
Forum: Investing - Help with Personal Investments
Topic: Is it possible to make 75k with 100K in x years ?
Replies: 55
Views: 4501

Is it possible to make 75k with 100K in x years ?

How many years will it take and what AA would you recommend to make 75K with 100K cash ? I need to beat my bank BOA's HELOAN for my room remodel for 100K Loan for 30 yrs with 4.2 APY fixed which will cost m 75K extra in interest over 30 yrs - so i need to make $76k at least in 30 yrs on my 100K. My ...
by confusedinvestor
Fri Jun 02, 2017 12:29 am
Forum: Investing - Help with Personal Investments
Topic: Taxable vs Muni : Allocation Over Time
Replies: 8
Views: 1447

Re: Taxable vs Muni : Allocation Over Time

Hello grabiner, How is it possible to do this? If I have 50K n bond-funds and now I want to move my 50K to CA-Muni as I'm in 28% marginal-rate and I live in CA, dont i have to take a huge tax hit by selling 50K bond-funds to move to CA-muni-etfs ? I also made a recent mistake of moving 100K in Targe...
by confusedinvestor
Mon May 29, 2017 12:08 am
Forum: Investing - Help with Personal Investments
Topic: Target date funds & tax implications of retirement prep
Replies: 12
Views: 899

Re: Target date funds & tax implications of retirement prep

I'm new and i have the same issue - TDR fund tax efficiency vs 3 Fund with Munis - My marginal rate is 28, CA state 9 and effective rate is 20% So is it better to have TDR with benefits of auto-glide+auto-rebalance vs 3 Fund with Muni for someone with effective federal rate of 20% ? I still dont und...
by confusedinvestor
Thu May 25, 2017 11:50 pm
Forum: Investing - Help with Personal Investments
Topic: Is Schwab Intelligent Portfolio OK for taxable accounts???
Replies: 33
Views: 2459

Re: Is Schwab Intelligent Portfolio OK for taxable accounts???

Yes, very helpful. thank you. I am new.. so can you explain how SIP is able to do 2% short-term capital loss yet your portfolio gained 11% in CY2016 ? So this mean TLH automation in SIP is a clear better value vs manual self TLH in Vanguard/Schwab 3F self portfolio ? I am confused again. @confusedin...
by confusedinvestor
Thu May 25, 2017 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Is Schwab Intelligent Portfolio OK for taxable accounts???
Replies: 33
Views: 2459

Re: Is Schwab Intelligent Portfolio OK for taxable accounts???

thank you. 1. We will appreciate if you please share your SIP performances. 2. I do have SIP, SIA, Self (Schwab new Index TDR funds, 7 Assest Classes, no cash drag with Glides, darn checp 0.08 ER), Self (4 Fund) at Schwab and I cant decide what is best ... Do you have other non SIP accounts at Schwa...
by confusedinvestor
Thu May 25, 2017 1:01 am
Forum: Investing - Help with Personal Investments
Topic: Is Schwab Intelligent Portfolio OK for taxable accounts???
Replies: 33
Views: 2459

Re: Is Schwab Intelligent Portfolio OK for taxable accounts???

Sorry for the delay in responding, looks like i was wrong. For my 85:15, I dont have MUNIs For fixed I have : Fixed Income (5.14%) International Emerging Market Bonds 3.10 % US Corporate High Yield Bonds 2.04 % Gold and Other Precious Metals 3.19 % Cash (6.65%) They said MUNI only make sense when i ...
by confusedinvestor
Wed May 24, 2017 1:10 am
Forum: Investing - Help with Personal Investments
Topic: Is Schwab Intelligent Portfolio OK for taxable accounts???
Replies: 33
Views: 2459

Re: Is Schwab Intelligent Portfolio OK for taxable accounts???

greybus, thank you so such a nice detailed response. I've following b/c: -- SIA - Only 25K required-minimum, so fees = 0.28 = $60/yr to get access of MoenyGuidePro (Planning Software); Unlimited CFPs (altough not impressed with Schwab CFPs), Bonds CA Muni --- Note, I'm not contribution a single $1 e...
by confusedinvestor
Tue May 23, 2017 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: Is Schwab Intelligent Portfolio OK for taxable accounts???
Replies: 33
Views: 2459

Re: Is Schwab Intelligent Portfolio OK for taxable accounts???

Yes, Is there any solution to this problem, except DIY 3 Fund portfolio with complex manual yearly re-balance ? Is there a Index TDR Fund with only Munis / Tax efficient ? Does Vanguard has a Tax Efficient 1 Fund with Auto Glide and TLH ? I'm willing to let go yields b/c of tax in-efficently b/c I t...
by confusedinvestor
Tue May 23, 2017 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: Is Schwab Intelligent Portfolio OK for taxable accounts???
Replies: 33
Views: 2459

Re: Is Schwab Intelligent Portfolio OK for taxable accounts???

Why should I only consider Schwab TDR Index Inst Shares in Tax protected account ? Sorry, I am new so I am just asking to understand this. I do have Schwab SIP, SIA and Self Directed (with TDR Index Inst Shares) SIA is a tad bit better vs VPS. SIA used MoneyGuidePro. Best financial software in the m...
by confusedinvestor
Tue May 23, 2017 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Is Schwab Intelligent Portfolio OK for taxable accounts???
Replies: 33
Views: 2459

Re: Is Schwab Intelligent Portfolio OK for taxable accounts???

How do you calculate .3 ? Is that weighted average of ER of your 94 SIP ? I have half of my taxable in SIP and half in Schwab TDR funds which ER = 0.08 Schwab TDR - Institutional Shares are available to Retail now, what a real deal ? Vanguard is 2x expensive for Investor shares. http://www.schwab.co...
by confusedinvestor
Tue May 23, 2017 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Is Schwab Intelligent Portfolio OK for taxable accounts???
Replies: 33
Views: 2459

Re: Is Schwab Intelligent Portfolio OK for taxable accounts???

No, please see this https://intelligent.schwab.com/public/intelligent/insights/whitepapers/guide-to-asset-classes.html Investment Grade Municipal Bonds Investment Grade California Municipal Bonds I live in CA, so I use CA Muni funds, you have 2 choice of CA Muni and 2 choice of National Muni, no oth...
by confusedinvestor
Tue May 23, 2017 12:40 am
Forum: Investing - Help with Personal Investments
Topic: Is Schwab Intelligent Portfolio OK for taxable accounts???
Replies: 33
Views: 2459

Re: Is Schwab Intelligent Portfolio OK for taxable accounts???

OP, There are 24 different IPs . You could choose a Muni version IP for your taxable IP. For aggressive IP (for stocks > 70%), cash drag is minimum and cash and HYG/JNK aggresive bonds balance out You can ask Schwab to send you performance of IPs - they dont publish it but you can ask them to email ...
by confusedinvestor
Sun May 21, 2017 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Consolidating vendors
Replies: 8
Views: 480

Re: Consolidating vendors

Have you considered Schwab ? - Schwab Index Funds are cheaper vs Vanguard and Fido - https://www.bogleheads.org/wiki/Charles_Schwab http://www.schwab.com/public/schwab/investing/accounts_products/investment/etfs/schwab_etfs/market_cap_index_etfs - Schwab ETFs are free at Schwab and, - You can just a...
by confusedinvestor
Sat May 20, 2017 1:50 am
Forum: Investing - Help with Personal Investments
Topic: Convince me to get back into stocks!
Replies: 83
Views: 5960

Re: Convince me to get back into stocks!

Congratulations, if you indeed deleted CNBC ! T I should just stay in the market and forget about the price. Deleting the CNBC and Yahoo Finance apps should help with that! So, Are you convinced now? Would you follow the advises of the veterans here ? Read this small article http://www.schwab.com/pu...
by confusedinvestor
Fri May 19, 2017 11:43 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab brokerage incentive $2,500 - - - thoughts?
Replies: 43
Views: 7762

Re: Schwab brokerage incentive $2,500 - - - thoughts?

HI TheGipper, Are you sure you got $500 for 50K transfer with Schwab ? I contacted them today and they said that promotion was never available this year. Would you please private message your rep name ? I was going to transfer 50k recently to Merrill Edge for $250 bonus and to maintain platinum hono...
by confusedinvestor
Thu May 18, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: Solar: Sunrun/Costco or Solarcity ?
Replies: 1
Views: 386

Solar: Sunrun/Costco or Solarcity ?

Folks, Do you guys have any experience with Sunrun/costco vs Solarcity ? I got bids from both: Similarities: Both cash deal Cost: 10.2K both same Production: 4200 KwH Same Model Inverter Both includes my RMA Difference (SunRun vs Solarcity): - REC/Polycarborate vs Panasonic/Monocarbonate - Owner mon...
by confusedinvestor
Fri May 12, 2017 12:37 am
Forum: Personal Consumer Issues
Topic: Solar City Sales-pitch
Replies: 50
Views: 8204

Re: Solar City Sales-pitch

My roof is tile, no singles. but 30 yrs old. I am having a roof inspector to inspected and write up a report on my roof life. I am buy the system but may finance it - Solarcity is giving 2.99 apy for 10 yrs - Is it a good deal ? or like BH better to pay in cash ? Solaricty was 11k and Sunrun/Costco ...
by confusedinvestor
Sat May 06, 2017 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Signed up with 2 Advisors - Need Feedback, My Questions
Replies: 30
Views: 1635

Re: Signed up with 2 Advisors - Need Feedback, My Questions

thank you! Anyone who you have ever written a check, arranged for a automatic payment, or whom you have arranged for a direct deposit has your bank account information. The agreement that you are signing is only setting up transfers between two accounts that are both in your name. It is not giving t...
by confusedinvestor
Sat May 06, 2017 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Signed up with 2 Advisors - Need Feedback, My Questions
Replies: 30
Views: 1635

Re: Signed up with 2 Advisors - Need Feedback, My Questions

Thanks you. Yes, i will be loosing $2400 every year b/c Advisor #2 is a fixed fee, $200/month - but this is more for my wife vs me. Let's see what planning and suggestions he offers. I was told I can cancel anytime w/o any penalty. Advisors will not offer any suggestions on funds. My funds will be T...
by confusedinvestor
Sat May 06, 2017 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Signed up with 2 Advisors - Need Feedback, My Questions
Replies: 30
Views: 1635

Re: Signed up with 2 Advisors - Need Feedback, My Questions

Dbr, This is what we singed - Wife is asking now, is this is safe ? So the contact with the Advisor has our Bank Name, Bank Account #, Routing Number which advisor will send to TD Ameritrade to get auto debit set up . Is this how it works with Advisors ? I will call TD on monday anyway. ACH AUTHORIZ...

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