Search found 74 matches

by fiverus
Tue Oct 03, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: We're Debt Free (Except our House)!
Replies: 34
Views: 3436

Re: We're Debt Free (Except our House)!

Currently I contribute 9% and company matches 5% so, total 14% to my 401k. What does 'putting 14% towards retirement vs maxing out your retirement mean? How is it different? and when do you know you maxed out?
by fiverus
Fri Sep 29, 2017 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: need advice
Replies: 11
Views: 676

Re: need advice

what does FBO you mean? stated in previous email.
by fiverus
Fri Sep 29, 2017 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: need advice
Replies: 11
Views: 676

Re: need advice

My 401k is 3-fund portfolio. Is there a fee to transfer TIRA to 401k? or should I just leave it where it's at?

VG Total Bond Market
VG Institutional
VG Total Int'l
by fiverus
Fri Sep 29, 2017 11:47 am
Forum: Investing - Help with Personal Investments
Topic: need advice
Replies: 11
Views: 676

Re: need advice

How can I roll TIRA into my 401k? I think using Roth IRA as emergency fund is good idea.
by fiverus
Fri Sep 29, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: need advice
Replies: 11
Views: 676

need advice

Hello Currently I have Fidelity account that I do not make any contributions. I make my contributions to my 401k 9% and company matches 5%=14%. I will retire in about 7-8 years. I'm in the process of paying off all my debt so I do not have any when I retire. I have a loan with with 401k intererst 4%...
by fiverus
Tue Aug 22, 2017 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Where to stash your emergency fund
Replies: 36
Views: 4472

Re: Where to stash your emergency fund

ok. I think I will call Ally now. Thanks for the advice.
by fiverus
Tue Aug 22, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Where to stash your emergency fund
Replies: 36
Views: 4472

Re: Where to stash your emergency fund

can't I do both?
by fiverus
Tue Aug 22, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Where to stash your emergency fund
Replies: 36
Views: 4472

Re: Where to stash your emergency fund

I will give Ally a call. Thank you everyone for your input.

Any other suggestions welcome.
by fiverus
Tue Aug 22, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Where to stash your emergency fund
Replies: 36
Views: 4472

Re: Where to stash your emergency fund

I checked my money market account. 0.85%
by fiverus
Tue Aug 22, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Where to stash your emergency fund
Replies: 36
Views: 4472

Where to stash your emergency fund

Hello everyone, Money market funds are a great choice because they're safe investments with values that don't change from day to day. Right now, I have $1,700k (not a lot) just starting a emergency fund with Ally Bank, money market, annual percentage yield 0.85%. I thought I would ask you folks sinc...
by fiverus
Mon Jul 24, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: Anyone else extremely frugal?
Replies: 100
Views: 9296

Re: Anyone else extremely frugal?

I'm frugal too, however, a new shirt or shoes once in awhile is a good thing. I spend a bit more on clothes but my clothes has lasted me for years. Plus they wash and wear remarkably. I have clothes 20+ years that don't look like rags. I only wear these clothes to work. On the weekends more casual a...
by fiverus
Wed Jul 19, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: Indoor activities for a 3-year-old
Replies: 61
Views: 3463

Re: Indoor activities for a 3-year-old

connect with Nature
by fiverus
Wed Jun 07, 2017 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones, American Funds, Fiduciary Rule changes
Replies: 31
Views: 3372

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: 1640

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: 1640

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: 1640

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: 1640

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: 1640

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: 1640

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: 1640

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: 1640

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: 55
Views: 6123

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: 601

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: 601

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: 1226

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: 3346

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: 6744

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: 665

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: 665

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: 633

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: 633

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: 633

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: 633

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: 633

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: 633

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: 1244

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: 1244

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: 1639

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: 6202

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: 6202

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: 6202

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: 6202

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: 6202

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: 6202

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: 6202

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: 6202

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: 6202

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: 6202

Re: Edward Jones [Looking for alternatives]

You guys are amazing!! Thanks for your support and making my day. 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 post them...
by fiverus
Fri Jan 27, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones [Looking for alternatives]
Replies: 85
Views: 6202

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: 6202

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?