Search found 32 matches

by macandal
Fri Feb 02, 2018 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Move from Capital One Investing
Replies: 3
Views: 403

Re: Move from Capital One Investing

Is Vanguard a full fledged brokerage firm? I mean, besides their mutual funds, can you also trade stocks?
by macandal
Mon Jan 29, 2018 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: Move from Capital One Investing
Replies: 3
Views: 403

Move from Capital One Investing

I just found out that my Capital One Investing account will be managed by E*Trade beginning sometime this year. If I am okay with the move, I do nothing and my account will be moved for me. Should I stay with E*Trade or look for something better? This is not my retirement account. This is a personal...
by macandal
Fri Jan 19, 2018 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: Changes in my work's fund offerings. CITs?
Replies: 6
Views: 358

Re: Changes in my work's fund offerings. CITs?

ThriftyPhD wrote:
Fri Jan 19, 2018 5:47 pm
In your 401k, you should be able to see a prospectus on each fund and get a lot more information on what index they track, what is in the fund, etc.
We don't have these yet. I've asked for them but nothing so far.
by macandal
Fri Jan 19, 2018 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: Changes in my work's fund offerings. CITs?
Replies: 6
Views: 358

Re: Changes in my work's fund offerings. CITs?

A quick search suggests that the first is the S&P500, and the second is the total US market except the S&P500. Educate me here. How did you find these funds. Sure, one is kind of a dead giveaway about what it is ("S&P 500 Index") but they're not all so telling. I did a search under the given name a...
by macandal
Fri Jan 19, 2018 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Changes in my work's fund offerings. CITs?
Replies: 6
Views: 358

Re: Changes in my work's fund offerings. CITs?

If you post all of the options and the expense ratios, you might get some recommendations that you missed. Here they are (Fund/Net Expense Ratio/Return): NT S&P 500 Index CIT/0.0135/NA T Rowe Price Growth Stock (PRUFX) and Vanguard Growth Index (VIGIX)/0.29/16.87 NT Dow Jones Completion/Extended Ma...
by macandal
Fri Jan 19, 2018 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Changes in my work's fund offerings. CITs?
Replies: 6
Views: 358

Changes in my work's fund offerings. CITs?

My retirement plan keeps making changes. The most recent shake-up will take place on March 8th and they’re removing some funds, including all the ones (3) I have my retirement in. They’re adding a bunch of CITs—Collective Investment Trusts—which, to be honest, up to now, I didn’t know what they were...
by macandal
Thu Jan 11, 2018 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Ticker Symbols on 401k Northern Trust Funds
Replies: 15
Views: 11124

Re: Help with Ticker Symbols on 401k Northern Trust Funds

I'm glad I found this post. I'm going through the same "problem." My work is revamping its investment selections to our 457 plan. Can you help me find the following funds: Northern Trust S&P 500 Index CIT Northern Trust Dow Jones Completion/Extended Market Index CIT American Funds EuroPacific Growth...
by macandal
Wed Dec 20, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 268
Views: 66502

Re: My New Car Buying Tips

hudson wrote:
Wed Dec 20, 2017 5:40 am
I like the dealerships that don't play any games and say, "What can I do to earn your business?"
Aggggghhh..!!!

I get these emails everyday.

Answer, give me the car at my stated price of $XXXXX!!
by macandal
Wed Dec 20, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 268
Views: 66502

Re: My New Car Buying Tips

bbrock wrote:
Mon Dec 18, 2017 9:07 pm
...exceptional at True Car/unusually low at True Car through CR website...
?

I don't know what CR is. I'm understanding this to be 4.12% below "TrueCar Value," below taxes and fees are added.
by macandal
Tue Dec 19, 2017 8:28 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 268
Views: 66502

Re: My New Car Buying Tips

None would go any further without a competitor's written offer. Yes, they do ask to see the other dealer's offer. So far, I haven't shown anyone anything, but, what do you do in these cases? Do you forward them the quote (I'm doing everything via email to start with) or not? What do you do in these...
by macandal
Tue Dec 19, 2017 8:21 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 268
Views: 66502

Re: My New Car Buying Tips

bbrock wrote:
Mon Dec 18, 2017 9:07 pm
After reaching out to 16 dealerships, three main rounds, we got it for 4.62% percent below the true car exceptional/unusually low price.
So, when I read expressions like this, do you mean below the TrueCar value or below MSRP?
by macandal
Tue Dec 19, 2017 7:20 pm
Forum: Personal Consumer Issues
Topic: Buying a new car (HELP!!!)
Replies: 13
Views: 1258

Re: Buying a new car (HELP!!!)

Why not request an "out the door" price? That's what I've done with he last 4 cars I've bought. When you're ready to buy, show up with a check for that amount and either complete the purchase or walk. Easy peasy. That's what I'm doing, but most of the time dealers don't do this because they haven't...
by macandal
Tue Dec 19, 2017 7:19 pm
Forum: Personal Consumer Issues
Topic: Buying a new car (HELP!!!)
Replies: 13
Views: 1258

Re: Buying a new car (HELP!!!)

This is easy: ONE: The oldest trick in the book is for the sales guy to write a bunch of numbers on a scrap of paper, add them up by hand, and to circle the number you will pay. And then you agree. Studies have shown that in this trick there is ALWAYS a math error in the dealer's favor, which you p...
by macandal
Tue Dec 19, 2017 7:18 pm
Forum: Personal Consumer Issues
Topic: Buying a new car (HELP!!!)
Replies: 13
Views: 1258

Re: Buying a new car (HELP!!!)

Watty wrote:
Mon Dec 18, 2017 9:39 pm
Check out this ongoing thread.

viewtopic.php?f=11&t=124638
HA HA, I'm reading that! Thanks.
by macandal
Tue Dec 19, 2017 7:17 pm
Forum: Personal Consumer Issues
Topic: Buying a new car (HELP!!!)
Replies: 13
Views: 1258

Re: Buying a new car (HELP!!!)

PFInterest wrote:
Mon Dec 18, 2017 7:41 pm
you should search this forum.
Yes, I'm doing that too. Thanks.
by macandal
Tue Dec 19, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: Buying a new car (HELP!!!)
Replies: 13
Views: 1258

Re: Buying a new car (HELP!!!)

Check the Mazda forum to see what others have paid and for more info on your vehicle: https://www.mazdas247.com/forum/showthread.php?123811693-Current-selling-price-for-CX-5 This is very helpful. Some guy here on my neck of the woods paid $27,623 over Thanksgiving weekend. I was beginning to think ...
by macandal
Mon Dec 18, 2017 7:27 pm
Forum: Personal Consumer Issues
Topic: Buying a new car (HELP!!!)
Replies: 13
Views: 1258

Buying a new car (HELP!!!)

This will be my first experience buying a car and I'm completely out of my element here. I know nothing about the process. Simply put, how do I buy a new car? I've read some stuff on the internet about the process but all that talk about MSRP, and pay $XXXX below MSRP, and negotiate this and that, a...
by macandal
Tue Dec 12, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: My Costco/TrueCar auto shopping experience
Replies: 44
Views: 21381

Re: My Costco/TrueCar auto shopping experience

TropikThunder wrote:
Tue Dec 12, 2017 2:28 pm
It doesn’t include taxes or fees. Sales tax on a car is based on where you’re going to register it, not where the dealership is. TrueCar doesn’t maintain a database to calculate those taxes since services that provide that information (like Avalara) charge a fee.
Thank you.
by macandal
Tue Dec 12, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: My Costco/TrueCar auto shopping experience
Replies: 44
Views: 21381

Re: My Costco/TrueCar auto shopping experience

I would consider expanding your distance range a little bit to include more dealers. Also, you have to start somewhere. If you have one decentish offer, use that as a starting point and email other dealers soliciting a competing (but better) bid. When I did this process for my in-laws, I would repl...
by macandal
Mon Dec 11, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: My Costco/TrueCar auto shopping experience
Replies: 44
Views: 21381

Re: My Costco/TrueCar auto shopping experience

But I sent the email to all dealers within a 150 mile radius (about 12) and got back a wide range of OTD offers... OMG, how did you get them to do that!!! I know the car I want and the options I want. I emailed the closest dealers in my area (also about 12 or so) telling them the car I wanted and t...
by macandal
Fri May 19, 2017 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: I'm having a freak-out moment (portfolio question)
Replies: 24
Views: 3052

I'm having a freak-out moment (portfolio question)

Okay, I hope I'm doing this right. If I miss anything, just ask and I'll do my best to get the missing info for you. I'm about to turn 50 and freaked out for a moment. I'm thinking, I'm not doing this right and I need to fix it to see if I can still save myself. Basics: Emergency funds: Just started...
by macandal
Tue Apr 04, 2017 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Evaluating a margin investment
Replies: 14
Views: 1097

Re: Evaluating a margin investment

Chuck wrote:You can use the XIRR spreadsheet function. Give it a series of cash flows, and it will plop out a rate of return. That's about as easy as anything to evaluate an investment, after the fact.
Thank you.
by macandal
Tue Apr 04, 2017 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: Evaluating a margin investment
Replies: 14
Views: 1097

Re: Evaluating a margin investment

Well honestly if this is after the fact you should be able to calculate your return pretty easily. I'm fairly confused. I was expecting a question like. Should I add X shares of company Y to my portfolio on margin, and a description of the rest of your holdings so we could evaluate the leverage rat...
by macandal
Tue Apr 04, 2017 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Evaluating a margin investment
Replies: 14
Views: 1097

Re: Evaluating a margin investment

Snowjob wrote:... There are a million variables, if you could be about 50x more specific we could comment rationally.
What would you need to know? I'm not looking to discuss my investment in public, I just want to have a tool to see how well/bad I did.

Thank you.
by macandal
Mon Apr 03, 2017 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Evaluating a margin investment
Replies: 14
Views: 1097

Evaluating a margin investment

Does anyone know how to evaluate a margin investment? I would appreciate any help in this. Thank you.
by macandal
Thu May 19, 2016 11:19 am
Forum: Investing - Theory, News & General
Topic: My Personal Index - Now a Standalone Application
Replies: 184
Views: 71149

Re: My Personal Index - Now a Standalone Application

Well, since mattman22 no longer appears to be active, I guess I could post my questions here. I joined the forums at Bogleheads.org because I was looking for a way to track the stock purchases I’ve made for the past 16+ years. I have close to 17 years of investing data that I was looking to put into...
by macandal
Mon Apr 11, 2016 11:53 am
Forum: Investing - Theory, News & General
Topic: My Personal Index - Now a Standalone Application
Replies: 184
Views: 71149

Re: My Personal Index - Now a Standalone Application

Is this still being maintained? I have been looking for something like this but I have some questions. Mattman22, its creator, appears to have disappeared. I hope someone took over what he started.
by macandal
Mon Apr 11, 2016 11:48 am
Forum: Investing - Help with Personal Investments
Topic: How to track my portfolio performance
Replies: 7
Views: 1531

Re: How to track my portfolio performance

No one? No one has used it? I guess Mattman22 has disappeared. He appears to have left these forums. Too bad.
by macandal
Fri Apr 08, 2016 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: How to track my portfolio performance
Replies: 7
Views: 1531

Re: How to track my portfolio performance

So, reading the wiki that was recommended above, I found My Personal Index . This is very close to what I'm looking for. I have not had time to test it yet, but it appears to be it. Has anyone tried it? Is it still being updated? I don't know if its creator, Mattman22, is still active on this site, ...
by macandal
Wed Apr 06, 2016 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: LIFO, FIFO, HIFO, low cost, hand picked... WHAT???
Replies: 5
Views: 535

LIFO, FIFO, HIFO, low cost, hand picked... WHAT???

I have a Sharebuilder account and they give me the following options to choose to close out lots of shares. They are: LIFO FIFO HIFO Low cost: which they define as "The lots with the lowest adjusted cost basis will be closed out first, which maximizes your gain. This method is not dependent on the l...
by macandal
Wed Apr 06, 2016 11:58 am
Forum: Investing - Help with Personal Investments
Topic: How to track my portfolio performance
Replies: 7
Views: 1531

Re: How to track my portfolio performance

Thanks all for your suggestions. Along the same lines, if I wanted to take the easy way out, isn't there a program out there one can buy to track one's investments? I don't know that the XIRR function in Excel is exactly what I'm looking for.

Thank you.
by macandal
Thu Mar 31, 2016 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: How to track my portfolio performance
Replies: 7
Views: 1531

How to track my portfolio performance

Hello friends! Just joined, first post. I have been investing in stocks since 2000. I have all the data about my purchases, sales, etc since I started and I would like to use all this information to see how well/bad I'm doing with my stocks and also to take them all as a whole and compare it to, say...