Search found 90 matches

by fiverus
Thu Jul 19, 2018 5:43 am
Forum: Investing - Help with Personal Investments
Topic: Other alternatives
Replies: 15
Views: 1104

Re: Other alternatives

Thank you everyone for your comments. I have had some really good advice along the way. :happy
by fiverus
Mon Jul 09, 2018 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Other alternatives
Replies: 15
Views: 1104

Re: Other alternatives

Here is expense ratio I received a package in the mail from HR dept and it was listed. Please let me know your opinion American Funds Fundamental Investors Fund - Class R6 RFNGX -- 0.30% .30% net and gross JPMorgan U.S. Research Enhanced Equity Fund - Class I JDESX -- 0.35% .35% net and .59% gross S...
by fiverus
Mon Jul 09, 2018 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Other alternatives
Replies: 15
Views: 1104

Re: Other alternatives

Dear All,

You are very helpful. I will find out expense ratios and come back to you soon.
I agree, keep it simple and may go with just State Fund target date 2025.
by fiverus
Sun Jul 08, 2018 9:16 am
Forum: Investing - Help with Personal Investments
Topic: Other alternatives
Replies: 15
Views: 1104

Re: Other alternatives question?

I suspect the State Street funds are trust funds which have varying degree of expense ratios, depending on the class. What are the expense ratios of the State Street funds? Are they low?
by fiverus
Sat Jul 07, 2018 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Other alternatives
Replies: 15
Views: 1104

Re: Other alternatives

I see. What do you mean by expense ratio's? Ratio is up to 100%. Also, I'm 60 years .
by fiverus
Sat Jul 07, 2018 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Other alternatives
Replies: 15
Views: 1104

Re: Other alternatives

Any suggestions would be appreciated.
by fiverus
Sat Jul 07, 2018 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Other alternatives
Replies: 15
Views: 1104

Other alternatives

Hello Everyone. I started a new position at a company, my 401k will kick in August. My I please ask for your expertise for what funds to choose up to 100% ratio? I will be eligible for retirement 2025. Thank you in advanced! Invesco Stable Value Trust - Class C State Street U.S. Bond Index Securitie...
by fiverus
Sat Jul 07, 2018 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: "Laid off, choices re 401k loan and rollover - Help Requested"
Replies: 19
Views: 2290

other alternatives

Hello Everyone. I started a new position at a company, my 401k will kick in August. My I please ask for your expertise for what funds to choose up to 100% ratio? I will be eligible for retirement 2025. Thank you in advanced! Invesco Stable Value Trust - Class C State Street U.S. Bond Index Securitie...
by fiverus
Tue Feb 13, 2018 9:18 am
Forum: Investing - Help with Personal Investments
Topic: "Laid off, choices re 401k loan and rollover - Help Requested"
Replies: 19
Views: 2290

Re: "Laid off, choices re 401k loan and rollover - Help Requested"

My 401k is pre-tax so best option would be to roll over to 'Traditional IRA'. right?
by fiverus
Tue Feb 13, 2018 8:42 am
Forum: Investing - Help with Personal Investments
Topic: "Laid off, choices re 401k loan and rollover - Help Requested"
Replies: 19
Views: 2290

Re: "Laid off, choices re 401k loan and rollover - Help Requested"

So, where should I roll over my 401k without paying taxes? Since I would pay taxes if rolled over to Roth IRA what is other options?

Thank you,
by fiverus
Mon Feb 12, 2018 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: "Laid off, choices re 401k loan and rollover - Help Requested"
Replies: 19
Views: 2290

Re: "Laid off, choices re 401k loan and rollover - Help Requested"

Yes, I already have Fidelity Roth or Traditional IRA's. Which account should I roll over 401k? Roth or Traditional account?
by fiverus
Mon Feb 12, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: "Laid off, choices re 401k loan and rollover - Help Requested"
Replies: 19
Views: 2290

Re: "Laid off, choices re 401k loan and rollover - Help Requested"

Where should I transfer 401k? Roth and Traditional IRA 2025?
by fiverus
Sun Feb 11, 2018 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: "Laid off, choices re 401k loan and rollover - Help Requested"
Replies: 19
Views: 2290

Re: "Laid off, choices re 401k loan and rollover - Help Requested"

401k is a 3 fund portfolio all Vanguard. I don't know what backdoor Roth means? With Fidelity I have Roth Ira and Traditional 2025. If I make a direct deposit to IRA which one Roth? or Traditional? My HR department is finding out if I can make payments or If I have to pay off. If I make payments the...
by fiverus
Sun Feb 11, 2018 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: "Laid off, choices re 401k loan and rollover - Help Requested"
Replies: 19
Views: 2290

"Laid off, choices re 401k loan and rollover - Help Requested"

Hello,

My company restructured, my last day 2/28. I have severance pay of 5 months.


What should I do with my 401k (73k), I have fidelity 2025 Roth Ira and Traditional. Where should I move it?

Also, I have 401k loan owing about 6k how should I handle this; pay it off or make payments

Thank you
by fiverus
Wed Feb 07, 2018 10:18 am
Forum: Investing - Help with Personal Investments
Topic: HELP with alternatives
Replies: 3
Views: 286

Re: suggestions for 401k

Any opinions out there?
by fiverus
Wed Feb 07, 2018 7:59 am
Forum: Investing - Help with Personal Investments
Topic: HELP with alternatives
Replies: 3
Views: 286

HELP with alternatives

Dear Members, Recently I was laid off due to restructure and unfortunately my dept will be eliminated and accounts transferred to subsidiary company. However, through my 401k I currently have a loan owing about $6,000 . The company is giving me 5 month severance pay. How should I handle paying 'tran...
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: 4256

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: 828

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: 828

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: 828

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: 828

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: 5673

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: 5673

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: 5673

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: 5673

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: 5673

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: 10603

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: 4281

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: 4595

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: 2116

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: 2116

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: 2116

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: 2116

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: 2116

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: 2116

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: 2116

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: 2116

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: 7305

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: 710

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: 710

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: 1390

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: 3827

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: 8377

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: 799

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: 799

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: 783

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: 783

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: 783

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: 783

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: 783

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...