Search found 62 matches

by fiverus
Wed Jun 07, 2017 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones, American Funds, Fiduciary Rule changes
Replies: 23
Views: 1522

Re: Edward Jones, American Funds, Fiduciary Rule changes

I was with EJ for many years until I found this site. Run. I did. I would go with Fidelity or Vanguard.
by fiverus
Tue Jun 06, 2017 11:00 am
Forum: Personal Finance (Not Investing)
Topic: laptop advice
Replies: 20
Views: 1162

Re: laptop advice

Thank I will check them out.

I really don't know much about technology. Does anyone see anything on groupon they can recommend?
by fiverus
Tue Jun 06, 2017 10:26 am
Forum: Personal Finance (Not Investing)
Topic: laptop advice
Replies: 20
Views: 1162

Re: laptop advice

Thank you everyone for your comments.

Any ideas best places to look? Microsoft, Amazon, Asus any others I may not be aware of?

Thanks,
by fiverus
Mon Jun 05, 2017 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: laptop advice
Replies: 20
Views: 1162

Re: laptop advice

How do you know if SSD or HDD?
by fiverus
Mon Jun 05, 2017 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: laptop advice
Replies: 20
Views: 1162

Re: laptop advice

I found this at BestBuy

Lenovo - 15.6" Laptop - Intel Core i3 - 6GB Memory - 1TB Hard Drive - Ebony black. I don't know what 6GB or 1TB mean. So, this is not SSD hard drive. right?
by fiverus
Mon Jun 05, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: laptop advice
Replies: 20
Views: 1162

Re: laptop advice

How about Celeron? So, hard disk size should be 128GB or higher? Anything else I should be on the look out for?

I most likely will buy new and not refurbished.
by fiverus
Mon Jun 05, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: laptop advice
Replies: 20
Views: 1162

Re: laptop advice

additionally, it would be windows.
by fiverus
Mon Jun 05, 2017 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: laptop advice
Replies: 20
Views: 1162

Re: laptop advice

I like laptop. This would be for home use. Usually every 5 years I get a new one. I only use it for looking up information, surfing the net, social media and email. What do you think?
by fiverus
Mon Jun 05, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: laptop advice
Replies: 20
Views: 1162

laptop advice

Hello, I am in the process of purchasing a new laptop. I would prefer a basic laptop would be sufficient for me. That is all I really need. May I ask what are some of the features and benefits I should be on the look out for; such as operating system, processor, RAM memory, GB drive, etc. Any recomm...
by fiverus
Tue May 30, 2017 7:04 am
Forum: Personal Consumer Issues
Topic: Mouse In Apartment
Replies: 39
Views: 3738

Re: Mouse In Apartment

I live in a town home and same as you I am very clean spotless, however it doesn't matter. I had a mice problem and was setting traps 2-3 times a week and trapping at least 5-6 mice. It would taper off where I thought YES their gone but NO they were back. I searched everywhere for wholes and places ...
by fiverus
Thu Apr 20, 2017 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Opinions needed what would you do
Replies: 5
Views: 526

Re: Opinions needed what would you do

GREAT!! Thank you. Someone here suggested those funds a few months ago. I like to check from time to time others opinions.

And yes, I work for a good company, very fortunate.
by fiverus
Thu Apr 20, 2017 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Opinions needed what would you do
Replies: 5
Views: 526

Opinions needed what would you do

Hello Currently my 401k looks like this 3 fund portfolio. Looking for opinions or suggestions if I should make any changes at this time. Since I am getting closer to retirement at age 59 I would like to know other ideas or suggestion for piece of mind. That's all. VBTIX-Vangaurd Total bond Market In...
by fiverus
Mon Apr 17, 2017 10:41 am
Forum: Investing - Help with Personal Investments
Topic: alternatives/suggestions
Replies: 12
Views: 1026

alternatives/suggestions

Hello, Currently I have a 3 fund portfolio with my 40lk. Looking at the specific funds are there other alternatives? or is current funds ok? Suggestions are welcome. VBTIX VINIX VTIAX PTTRX VBTIX PRRIX PHIYX VEIRX RFNGX VINIX JLGMX LVOYX VMCIX MVSSX VSCIX FSMLX FARCX RERGX VTIAX FEMKX TRRIX TRRFX TR...
by fiverus
Mon Apr 03, 2017 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Verbal abuser at work
Replies: 37
Views: 2877

Re: Verbal abuser at work

This sounds like passive-aggressive behavior. or Narcissistic behavior. Seems like a flaw in his personality and needs help. I would think if several people went as a group to HR to complain I highly doubt it would get ignored. You have the right to tell HR representative when you are being abused. ...
by fiverus
Tue Mar 14, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: Buying a rental car.. Any new experience?
Replies: 76
Views: 5355

Re: Buying a rental car.. Any new experience?

I just purchased a Toyota, Yaris, 2015, 39k miles from Hertz rental in January. Once 2017 hit, they were looking to get rid of their 2015's, they like to keep new fleets on hand. I went to their used car lot and test drove the vehicle before purchase. It's no-haggle price and they sell 'as is', mine...
by fiverus
Mon Mar 06, 2017 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: recommentation for dividend stocks
Replies: 5
Views: 565

Re: recommentation for dividend stocks

Thank you everyone. And yes, I do need to learn more about investing and how the market works.
by fiverus
Mon Mar 06, 2017 11:24 am
Forum: Investing - Help with Personal Investments
Topic: recommentation for dividend stocks
Replies: 5
Views: 565

recommentation for dividend stocks

Any recommendations for low paying stock with high dividends? I'm in my late 50's and I've been learning and reading about dividends. Is this a better alternative than having your ER money in a money market account? It seems like it can be more beneficial then a money market. What is your opinion? o...
by fiverus
Wed Feb 22, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Balance Transfer card
Replies: 9
Views: 451

Re: Balance Transfer card

My credit line is 3K right now, but they did ask me if I wanted to increase my credit line. I have good standings with Discover, never late payments and paid off balance.

What do you think?
by fiverus
Wed Feb 22, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Balance Transfer card
Replies: 9
Views: 451

Re: Balance Transfer card

Earl Lemongrab. Understood. So, if I use a 0% card to transfer $3000 and pay off in 18 months well understand I cannot use the card. I don't intend to use it. But they will be a balance on Mastercard of $5700 APR 14.4 %. Is this a good plan? In the meantime, I picked up a 2nd job to pay off debt. I ...
by fiverus
Wed Feb 22, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Balance Transfer card
Replies: 9
Views: 451

Re: Balance Transfer card

Does anyone know what this means?

Do you instead have home equity you could transfer the debt to instead for a low rate?
by fiverus
Wed Feb 22, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Balance Transfer card
Replies: 9
Views: 451

Re: Balance Transfer card

seanmerron what do you mean Do you instead have home equity you could transfer the debt to instead for a low rate?

How do I go about this? I own my own home. Do you mean home equity loan through my mortgage company?
by fiverus
Wed Feb 22, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Balance Transfer card
Replies: 9
Views: 451

Re: Balance Transfer card

I contacted DISCOVER they have an offer if I transfer $3000 (max credit line at Discover) from Mastercard I will pay 4.3% APR for 18 months, my payments would be $178 per month. Balance at Mastercard would be $5,600 at 14.4% APR. Yes, I check with DISCOVER after 18months APR goes up 23% APR. But $17...
by fiverus
Wed Feb 22, 2017 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Balance Transfer card
Replies: 9
Views: 451

Balance Transfer card

So I have 1 credit credit I want to pay off, Mastercard APR 14.4%. However I've been reading about best transfer cards DISCOVER IT If you’re carrying balances on other high-APR cards, this card was made for you. First off, the Discover it – 21 Month Balance Transfer Offer card features a 21-month 0%...
by fiverus
Thu Feb 09, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: Where to stay in Sanibel Island, FL recommendations
Replies: 7
Views: 1120

Re: Where to stay in Sanibel Island, FL recommendations

Pennywise, Thank you for your comments. I think I am leaning more towards Sanibel. Out of the 3 Westwind Inn, Mitchell's sandcastles and Island Inn which one is more tastefully decorated? Nicer? Sometimes pictures are deceiving where it looks nice online but when you get there not so nice. Also view...
by fiverus
Tue Feb 07, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Where to stay in Sanibel Island, FL recommendations
Replies: 7
Views: 1120

Where to stay in Sanibel Island, FL recommendations

I am planning a vacation to Sanibel Island, any recommendations are appreciated. This will be our first time, myself and 3 adult children. I hear good things about West Wind Inn. We would like to stay on the beach. We would be going for less than a week.
by fiverus
Thu Feb 02, 2017 1:10 pm
Forum: Personal Consumer Issues
Topic: Where to stay in Siesta Key
Replies: 10
Views: 1423

Where to stay in Siesta Key

My family ( myself and 3 adult children) is planning a vacation to Florida Siesta Key area. Any recommendations where to stay in Seista Key? And things to do in Siesta Key. We are looking for beach front accommodations. We are planning say 3-4 nights
by fiverus
Mon Jan 30, 2017 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones [Looking for alternatives]
Replies: 85
Views: 5522

Re: Edward Jones [Looking for alternatives]

I just wanted to say thank you for your helpful advice, I do feel uplifted by what you (and others) have said so thanks for the always real and positive feed back. Your daily inquiries let me know and guided me to make the right decision to exit from EJ. Let's say in 1-2 weeks I will start transfer ...
by fiverus
Mon Jan 30, 2017 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones [Looking for alternatives]
Replies: 85
Views: 5522

Re: Edward Jones [Looking for alternatives]

Understood. So, Fidelity or VG? both excellent

Fidelity 'Target Retirement- Fidelty Freedom index 2025 FQIFX
or
Vangaurd 'Target Retirement 2025is their a symbol?
by fiverus
Mon Jan 30, 2017 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones [Looking for alternatives]
Replies: 85
Views: 5522

Re: Edward Jones [Looking for alternatives]

indexfunfan, I spoke with VG, the rep assured me there is no transfer fee from EJ to VG. She said to sell 'all funds' to cash at EJ then initiate the transfer. In the meantime, set up account with VG, initiate transfer, indicate to put the funds into Target Retirement 2025. Once transfer is complete...
by fiverus
Sun Jan 29, 2017 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones [Looking for alternatives]
Replies: 85
Views: 5522

Re: Edward Jones [Looking for alternatives]

I know EJ has trading authorization with me. I don't call him to trade. Money is taken out each month from my checking account then EJ purchases every 3 months. Summary: Cancel contributions to EJ Call VG and check with them which funds they can sell with no fee, if some funds have fees, call EJ and...
by fiverus
Sun Jan 29, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones [Looking for alternatives]
Replies: 85
Views: 5522

Re: Edward Jones [Looking for alternatives]

How to I check if I have given trading authorization to EJ? And how do I revoke it?
by fiverus
Sun Jan 29, 2017 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones [Looking for alternatives]
Replies: 85
Views: 5522

Re: Edward Jones [Looking for alternatives]

I think have VG do the transfer once I fill out the form. I know there are transfer fees involved. I don't pay an advisor is required. right?
by fiverus
Sun Jan 29, 2017 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones [Looking for alternatives]
Replies: 85
Views: 5522

Re: Edward Jones [Looking for alternatives]

As I prepare for the transfer, what if any communications should I have with Edward Jones? I know I need to let EJ know which funds I would like to sell but do I need to explain why? or let VG/Fidelity handle the transfer and don't say anything to EJ. I seem to be leaning towards VG, I know some fee...
by fiverus
Sat Jan 28, 2017 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones [Looking for alternatives]
Replies: 85
Views: 5522

Re: Edward Jones [Looking for alternatives]

Indexfundfan, I check with Fidelity earlier today, They do pay for the transfer. Fidelity said I will have to sell these and have cash go into money market, Will VG be the same? please advise. Trad IRA VCT SYC EST CL I (VEVIX VCT SYC SCO CL I (VSOIX Roth IRA AMER MUTUL F2 SH (AMRFX MFS INT NW DIS I ...
by fiverus
Sat Jan 28, 2017 5:59 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones [Looking for alternatives]
Replies: 85
Views: 5522

Re: Edward Jones [Looking for alternatives]

Great advice- I'm working on it. Transfer to VG or Fidelity. Do not contribute to IRA's. Aggressively pay down credit card. Once paid off aggressively pay down car loan and increase contribution to 401k Here are my funds at EJ. I should ask VG or Fidelity if there are any fees for selling these fund...
by fiverus
Fri Jan 27, 2017 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones [Looking for alternatives]
Replies: 85
Views: 5522

Re: Edward Jones [Looking for alternatives]

You guys are amazing!! Thanks for your support and making my day. :happy Yes, I agree paying off debt. I will call fidelity and clarify if the reimburse exit fee from EJ. Also I will look into what funds I have with those 2 accounts at EJ and clarify with VG if there is a fee to sell them. I will po...
by fiverus
Fri Jan 27, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones [Looking for alternatives]
Replies: 85
Views: 5522

Re: Edward Jones [Looking for alternatives]

I will try to find out how EJ charges for exit fee. I think its the same for everyone. Maybe they post on their website or I can call their 800 number.
by fiverus
Fri Jan 27, 2017 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones [Looking for alternatives]
Replies: 85
Views: 5522

Re: Edward Jones [Looking for alternatives]

livesoft, 6% to companies 5%, I think marginal income tax bracket is 25%.

What does 'Are you eligible to make deductible traditional IRA contributions' mean?
by fiverus
Fri Jan 27, 2017 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones [Looking for alternatives]
Replies: 85
Views: 5522

Re: Edward Jones [Looking for alternatives]

ICMoney, Yes this sounds right. To recap: I think once I make transfer from EJ to VG DO NOT CONTRIBUTE to IRA's, instead increase percentage say 9% or 10% to my 401k. I would like to up my traditional 401k contributions above 6% in the next month or so. Near future. I am working 2 jobs to pay off de...
by fiverus
Fri Jan 27, 2017 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones [Looking for alternatives]
Replies: 85
Views: 5522

Re: Edward Jones [Looking for alternatives]

Yes, I'm suggesting you look into that and understanding. But there are other possibilities, too. So, should I ask my accountant? How should I approach? But some quesstions to answer first: How much must you contribute to your 401(k) to get absolute most company match? 6% Are you eligible to make de...
by fiverus
Fri Jan 27, 2017 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones [Looking for alternatives]
Replies: 85
Views: 5522

Re: Edward Jones [Looking for alternatives]

Does anyone have a recommendation for a financial advisor in the chicagoland area? I am in NW suburb of Chicago. I need better understand of this. Based on what I have read about your financial situation, when you retire, you will be paying expenses mostly from your Social Security checks and not fr...
by fiverus
Fri Jan 27, 2017 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones [Looking for alternatives]
Replies: 85
Views: 5522

Re: Edward Jones [Looking for alternatives]

I changed my 401k to this as suggested earlier.

As for your 401(k), I suggest the following three funds

Vanguard Total Bond Market Index I VBTIX 0.05%
Vanguard Institutional Index I VINIX 0.04%
Vanguard Total Intl Stock Index Admiral VTIAX 0.12%

Say 40% in VBTIX, 40% in VINIX and 20% in VTIAX.
by fiverus
Fri Jan 27, 2017 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones [Looking for alternatives]
Replies: 85
Views: 5522

Re: Edward Jones [Looking for alternatives]

So, is my understanding correct? Once I transfer both IRAs from EJ to Vanguard do not continue to contribute to either of those? Increase my percentage of contribution with 401k lets say from 6% to 9% or 10%.
by fiverus
Fri Jan 27, 2017 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones [Looking for alternatives]
Replies: 85
Views: 5522

Re: Edward Jones [Looking for alternatives]

I'm close to 60 and I am not able to contribute those contributions you suggested.

What does this mean? If you pay no income taxes already, then let me know as that would suggest getting the full match of the 401(k), then contributing to a Roth IRA. Income taxes are taken out of my paycheck.
by fiverus
Fri Jan 27, 2017 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones [Looking for alternatives]
Replies: 85
Views: 5522

Re: Edward Jones [Looking for alternatives]

Thank you for your comment. I agree.

as for 401k I am contributing 6% company matches 5%. I am thinking of changing to contributing 8% company matches 5%. Sound good?
by fiverus
Fri Jan 27, 2017 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones [Looking for alternatives]
Replies: 85
Views: 5522

Re: Edward Jones [Looking for alternatives]

I got this is my messages, any comments are welcome Your two fund idea is fine--Vanguard total stock market and total bond. If you use Vanguard's PAS robo system they may also add total international. You can check with them to find out. I also think your asset allocation of 50/50 is good, but Vangu...
by fiverus
Thu Jan 26, 2017 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones [Looking for alternatives]
Replies: 85
Views: 5522

Re: Edward Jones [Looking for alternatives]

for 401k Do I make the change to existing money in the accounts and future money going in? right?
by fiverus
Thu Jan 26, 2017 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones [Looking for alternatives]
Replies: 85
Views: 5522

Re: Edward Jones [Looking for alternatives]

Thank you for your suggestions, I highly appreciate.

Best Regards,
by fiverus
Wed Jan 25, 2017 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones [Looking for alternatives]
Replies: 85
Views: 5522

Re: Edward Jones [Looking for alternatives]

I need some help, I'm retiring in 7-9 years and I need some advise.

Does this sound good:
Vanguard 2 fund portfolio 50/50 split 1/2 bonds, 1/2 stocks
1. total stock market index fund * stock index VG s & P 500 VTSAX
2. total bond market index fun
by fiverus
Wed Jan 25, 2017 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones [Looking for alternatives]
Replies: 85
Views: 5522

Re: Edward Jones [Looking for alternatives]

401k outline now: American Funds Fundamental Invs R6 RFNGX, expense rate 0.31%,9%allocation JPMorgan Large Cap Growth R6 JLGMX,0.59%, 20%allocation Vanguard Mid Cap Index I VMCIX,0.07%,24%allocation American Funds EuroPacific Gr R6,RERGX,0.50%, 17%allocation Vanguard Total Intl Stock Index Admiral, ...

Go to advanced search