Search found 52 matches

by baritone
Sat Sep 21, 2019 12:04 pm
Forum: Personal Consumer Issues
Topic: Retirement - Living in Colorado
Replies: 57
Views: 9661

Re: Retirement - Living in Colorado

Just entered retirement recently and have been reading about good cities to live in. Colorado Springs was one of the cities named and it looks like a nice place to live. Does anyone have first hand experience living in Colorado Springs or any other city in Colorado? Currently living in Minnesota an...
by baritone
Sat Aug 31, 2019 1:14 am
Forum: Personal Investments
Topic: VTIAX International fund - should I give up on it?
Replies: 297
Views: 25834

Re: VTIAX International fund - should I give up on it?

First...I love your user name. I know a thing or 2 about singing and TJ is the best all-around singer I've ever heard in my 73 years.
As for the fund...
Patience! I have this fund in my 33/66 AA and I'm comfortable with the diversity. Other BH's will give you more learned detailed advice.
by baritone
Tue Aug 06, 2019 11:16 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 303
Views: 34228

Re: "The best and worst U.S. states for retirement"

Send out the word, Florida is full up We have enough for now Truth be known (or my opinion), any state that offers a climate that gets people outside to walk or play (where tennis and golf can be played all year long) is a good place to be. There is a lot to be said for longevity Having lived in SE...
by baritone
Tue Aug 06, 2019 11:05 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 303
Views: 34228

Re: "The best and worst U.S. states for retirement"

Arizona is down to 14 on this list which is fine by me. That will stop some from moving there. But I am surprised at their numbers as they seem wrong on affordability and quality of life vs say Virginia and Utah. Plus I see no reason why Minnesota is so much higher than Florida and Arizona in QOL. ...
by baritone
Wed Jul 31, 2019 12:07 am
Forum: Personal Investments
Topic: Father investing with Edward Jones
Replies: 43
Views: 4519

Re: Father investing with Edward Jones

What I would do... Watch The Retirement Gamble on PBS with him. https://www.pbs.org/wgbh/frontline/film/retirement-gamble/ If he’s up for the idea of switching to Vanguard and their low fee index funds... transfer in kind to Vanguard and transition to an age appropriate stock/bond mix of the three ...
by baritone
Tue Jul 30, 2019 7:11 pm
Forum: Personal Investments
Topic: cap gains
Replies: 10
Views: 882

Re: cap gains

Hi, My son has a taxable account with Edward Jones. It is an American Funds mutual fund and he has had it for about 20 years. He just received his degree and wants to transfer the account to Vanguard since he will soon be moving. He lives in the State of Washington (no income tax), but is concerned...
by baritone
Thu Jul 18, 2019 11:28 pm
Forum: Personal Investments
Topic: Edward J rep is not answering my Questions
Replies: 63
Views: 9665

Re: Edward J rep is not answering my Questions

The EJ salesman (not financial advisor) is a smiling snake. Get a POA, get the coldest-eyed attorney you can find, and walk into the EJ office with the attorney. Have a list of questions. If you do not get answers, tell the attorney, in front of the smiling snake, that you're turning the matter over...
by baritone
Tue Jul 09, 2019 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: How to obtain contracted rates for medical procedures?
Replies: 97
Views: 4154

Re: How to obtain contracted rates for medical procedures?

I have seen this medical clinic featured at least twice in the news. I think it's fascinating.

https://surgerycenterok.com
by baritone
Sun Jun 16, 2019 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Shortcomings on Estimated Taxes
Replies: 17
Views: 1548

Re: Shortcomings on Estimated Taxes

PS -- please keep the "Why don't you move to Texas?" comments to a minimum.
[/quote]

Having grown up in Texas, I will vehemently advise you NOT to move there.
by baritone
Wed Jun 12, 2019 4:43 pm
Forum: Personal Consumer Issues
Topic: 40+% increase in auto policy (GEICO) - normal?
Replies: 74
Views: 5028

Re: 40+% increase in auto policy (GEICO) - normal?

If you're a Costco member, get Ameriprise through them. Saved me a bundle.
by baritone
Fri May 24, 2019 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: American Express lowered my credit limit
Replies: 61
Views: 5419

Re: American Express lowered my credit limit

This happened with SEVERAL of my cards after the 2008-2009 unpleasantness. They lowered my credit limit to roughly what I had been charging in the past. I found it insulting.
by baritone
Sun May 12, 2019 11:22 am
Forum: Personal Investments
Topic: [Moving from Edward Jones to Vanguard]
Replies: 8
Views: 1197

Re: [Moving from Edward Jones to Vanguard]

[Moved into a stand-alone thread from: Meeting with broker need help --admin LadyGeek] My account, high six figures, is held at Edward Jones and has about 55 different mutual funds in it. Don't know why I need so many funds. I know it's time for me to move on to a low cost broker. Would it be cheap...
by baritone
Tue May 07, 2019 12:11 pm
Forum: Personal Investments
Topic: I tried to fire my financial advisor of 12 years today...
Replies: 127
Views: 14459

Re: I tried to fire my financial advisor of 12 years today...

Your FA called. He said to thank you for the house you bought him.
You'll get great advice in this forum. HEED IT! You owe this guy nothing.
by baritone
Sun May 05, 2019 12:21 am
Forum: Personal Consumer Issues
Topic: Denver in August
Replies: 21
Views: 1948

Re: Denver in August

At altitude, drink lots and lots of water! You've gotten a lot of great ideas in these responses. Enjoy!
If you go to Pikes Peak area, maybe check Cripple Creek and Victor.
by baritone
Sat Apr 27, 2019 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: If I Knew Then What I Know Now
Replies: 112
Views: 47913

Re: If I Knew Then What I Know Now

Splendid description of the Boglehead philosophy. I'm sending it to my 26-year-old granddaughter. Thanks so much for posting.
by baritone
Sat Apr 27, 2019 11:36 am
Forum: Personal Consumer Issues
Topic: Is 2 weeks in Amsterdam a bit much?
Replies: 45
Views: 3705

Re: Is 2 weeks in Amsterdam a bit much?

I’m planning to visit Amsterdam for tulip season. I have never been to Amsterdam and we’re slow travellers. I do have my art interest, so a visit to some of the art museums there is a must. I’m thinking of going there in April. Any suggestions? Certain places you should probably not breathe too dee...
by baritone
Sat Apr 20, 2019 6:14 pm
Forum: Personal Investments
Topic: Experience with Edward Jones?
Replies: 76
Views: 7666

Re: Experience with Edward Jones?

Ok. I have one remaining fund with EJ. A small one. The adviser called me and said he didn't need this small fund anymore and for me to take it somewhere else. He said it wasn't "helping him." And that I am small potatoes and he's got bigger investors to work with. And that unless I wanted to move ...
by baritone
Wed Mar 20, 2019 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Amica hiked my insurance, thoughts on alternatives?
Replies: 48
Views: 4342

Re: Amica hiked my insurance, thoughts on alternatives?

Amica just hiked my auto insurance over 26%. With no obvious cause. No accidents ever, been a customer for over 20 years, cars depreciated by a year, and my kids are a year older (and hence at least in theory safer). I sent them a note asking why the hike and whether they really want to lose a long...
by baritone
Sat Mar 09, 2019 12:10 pm
Forum: Personal Investments
Topic: Oppenheimer???? Stay out of this or help???
Replies: 29
Views: 2445

Re: Oppenheimer???? Stay out of this or help???

You're getting advice from some BH's to just butt out. I completely disagree. This is your grandmother and this should be a priority for you. It's not a neighbor or acquaintance. I agree with the BH who urged you to put the math on paper and reveal the massive fees she would pay vs. Vanguard fees. I...
by baritone
Mon Mar 04, 2019 12:40 pm
Forum: Personal Investments
Topic: Another Edward Jones defector
Replies: 51
Views: 8328

Re: Another Edward Jones defector

Today I don't have time to peruse all these responses so sorry if I'm redundant......the part that makes me grit my teeth the most was all the 5.75% loads (what I call the cover charge at the bar) that I paid to EJ. I was so ignorant at the start that I thought ALL funds had this. For these loads we...
by baritone
Mon Mar 04, 2019 12:50 am
Forum: Personal Consumer Issues
Topic: Why do you live where you live?
Replies: 134
Views: 9498

Re: Why do you live where you live?

mickeyd wrote:
Sun Mar 03, 2019 5:58 pm
I was not born in Texas, but I got here as soon as possible.
I was raised in Texas. When I left, it felt like I got parole.
by baritone
Sun Mar 03, 2019 12:46 pm
Forum: Personal Investments
Topic: Need to divorce raymond james
Replies: 26
Views: 3346

Re: Need to divorce raymond james

Help! I need to divorce raymond james and move to vanguard or similar. The fees are killing me. I have my 2018 portfolio review that I can post. (net of fee performance was -4.63%) and of course they don't have their actual fees for the year listed anywhere. I have $103 k invested the majority in a...
by baritone
Thu Feb 21, 2019 12:39 pm
Forum: Personal Consumer Issues
Topic: Robocall from someone in my phone contacts?
Replies: 24
Views: 1980

Re: Robocall from someone in my phone contacts?

Yesterday I received (and answered) a robocall that was identified as a former doctor's office in my phone contacts. It was some extended warranty offer for my car. In the past, I've received regular calls from "local" numbers with the same first 6 digits as mine, but never the same number as one o...
by baritone
Sun Jan 20, 2019 12:33 pm
Forum: Personal Consumer Issues
Topic: Hearing Aids
Replies: 45
Views: 3376

Re: Hearing Aids

I have been diagnosed with moderate to severe loss of the high frequency sounds. I feel like I'm shopping for a car. My insurance will fully pay for a basic 3 channel set(both ears) and then we proceed to the 6,9 or 17 channel. I could afford any of them so what or how does a person do that would a...
by baritone
Fri Jan 11, 2019 12:22 pm
Forum: Personal Investments
Topic: Biggest Investment Mistake
Replies: 200
Views: 17096

Re: Biggest Investment Mistake

What was the biggest investment mistake that you made and what did you learn from it? In 2008 when the market was crashing, I had no idea what I was doing and tried to adjust my equity/bond allocation in real time... :oops: Hoping this thread will help new BHs (like myself). Edward Freaking Jones. ...
by baritone
Sun Dec 23, 2018 11:38 pm
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 356
Views: 184498

Re: I can't believe I am thinking this [Panic and Survival 2008-09]

Today, 12/23/2018 is my 73rd birthday. I have studied this site in a effort to educate myself until my mind is mush. Last April I went all-in VTINX. Unless someone brighter than I am (not too high a bar) gives me an easy-to-understand alternative, I'll probably just stay this course.
Thoughts?
by baritone
Mon Dec 03, 2018 12:49 pm
Forum: Investing - Theory, News & General
Topic: Edward Jones a Review and Analysis: Can Edward Jones be Used for a Boglehead Three Fund Portfolio?
Replies: 36
Views: 3903

Re: Edward Jones a Review and Analysis: Can Edward Jones be Used for a Boglehead Three Fund Portfolio?

Edward Jones Fee Comparisons of Account Options Tax deferred accounts at Edward Jones: The IRA and money management accounts charge a yearly fee, and charge high commissions, these are only an option really for a non-boglehead investor with a large balance of roll over money that they wish to be ac...
by baritone
Sun Nov 11, 2018 12:43 pm
Forum: Personal Investments
Topic: E. Jones/Vanguard and now Fisher Investments
Replies: 44
Views: 7918

Re: E. Jones/Vanguard and now Fisher Investments

I am age 75, no spouse, retired and have a portfolio of about $1.3 million 95% of which is with Edward Jones. This year I expect my EJ "fees and charges" to be about $14,500. With EJ, I have five accounts including an IRA and a Roth IRA plus one annuity which has a CDSC (Contingent Deferred Sales C...
by baritone
Fri Nov 02, 2018 11:30 pm
Forum: Personal Investments
Topic: Getting on track; Edward Jones & Vanguard advice
Replies: 31
Views: 3396

Re: Getting on track; Edward Jones & Vanguard advice

Hi all, I’m new here and am simply hoping to get some direction with what I should do with my investments. It’s a bit all over the place at the moment. I’ll do my best to explain. I’m 35 and had been contributing to an employer provided Edward Jones Basic IRA/Roth for some years. I’ve had some trou...
by baritone
Sun Oct 28, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: "consultation fee": standard for preventative colonoscopy?
Replies: 81
Views: 6064

Re: "consultation fee": standard for preventative colonoscopy?

My DH had a routine annual checkup and his PCP reminded him that he was due for a preventative colonoscophy. He was given a list of gastro docs. We called around - every office we called required an initial consultation/office visit before they would schedule a procedure. They bill $150 or more on ...
by baritone
Tue Sep 18, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 27310

Re: What is your single most expensive mistake?

Just a couple days ago I lost my car key, without having a spare one. What's worse, I know the key was picked up by some one living by, which means I couldn't leave car lock unchanged. This single one mistake cost me: 1. $300 - called Locksmith to open the door and make a programmed key, and 2. $50...
by baritone
Sat Sep 01, 2018 9:01 pm
Forum: Personal Investments
Topic: Edward Jones advising roll over 401K to their IRA
Replies: 44
Views: 4538

Re: Edward Jones advising roll over 401K to their IRA

I am not an educated investor by any means. My gut instinct tells me to veer away from my Edward Jones advisor. He is my advisor because that is who my employer uses to manage the Simple IRA (Guided Solutions Fund Account)that they use as a retirement vehicle. I invest an equal amount in the Simple...
by baritone
Tue Aug 28, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Colorado Vacation
Replies: 17
Views: 1957

Re: Colorado Vacation

Sorry for the lack of info. Will be arriving first week of September, probably Sept 2nd. Other interests - day trips with interesting towns or regions (yes, Colorado is covered with this), mineral hot springs, horseback riding, fly fishing, hiking, antiques, wine, craft beer. No real adventures suc...
by baritone
Sat Aug 18, 2018 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Edward Jones rep door knocking
Replies: 90
Views: 11393

Re: Edward Jones rep door knocking

I just experienced a first. An Edward Jones rep knocked on my door trying to convince me that Edward Jones can tell the future and that they have all sorts of good ideas on how to beat the market, haha. Times must be tough for these full commission brokers that they are resorting to this type of co...
by baritone
Thu Jun 28, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: Toyota RAV4 service questions
Replies: 17
Views: 1364

Re: Toyota RAV4 service questions

As a former Toyota Tehnichan nearly 15 years ago now the brakes, trans flush seem to be market pricing if you had this done at Toyota. The two air filter services run about $30 a filter but are very easy to change. In the future you can change these yourself. Watch a YouTube video. I can change bot...
by baritone
Thu Jun 28, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: Toyota RAV4 service questions
Replies: 17
Views: 1364

Re: Toyota RAV4 service questions

None of those seem unreasonable except for the labor charge on the cabin filter. Ouch. $48 is 1/2 hour to change. Maybe it is someplace very difficult to reach. Shop supplies charges also annoy me. 20 rolls of automotive paper towels used in your service. :oops: Any auto service is crazily expensiv...
by baritone
Thu Jun 28, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: Toyota RAV4 service questions
Replies: 17
Views: 1364

Re: Toyota RAV4 service questions

Soliciting info from those of you who are closet auto mechanics. I had the following done on a 2011 Toyota Rav4 with 70k miles: Replace cabin air filter, parts $34.51, labor $48, total. $82.51. $20 BG synthetic trans flush, parts $184.50, labor $104.50, total $289. $160 Front Brakes with new rotors...
by baritone
Thu Jun 28, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: Toyota RAV4 service questions
Replies: 17
Views: 1364

Toyota RAV4 service questions

Soliciting info from those of you who are closet auto mechanics. I had the following done on a 2011 Toyota Rav4 with 70k miles: Replace cabin air filter, parts $34.51, labor $48, total. $82.51. BG synthetic trans flush, parts $184.50, labor $104.50, total $289. Front Brakes with new rotors: parts$24...
by baritone
Mon Jun 25, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: San Antonio and Austin trip
Replies: 23
Views: 1800

Re: San Antonio and Austin trip

alfaspider wrote:
Mon Jun 25, 2018 1:12 pm
Personally, I would wait another month before doing the trip if you have the ability. September can still yield triple digit temps.
And it will feel like triple digit humidity.
by baritone
Mon Jun 04, 2018 10:35 am
Forum: Personal Investments
Topic: Just realized that our MFs have high expense ratios
Replies: 28
Views: 3246

Re: Just realized that our MFs have high expense ratios

We are currently at a local branch of a big chain investment firm. My wife set up an account there when she inherited some money as a teenager, and we have just been continuing on with it for years. I looked into the expense ratios of the funds we have, and they're not good. All also had a front lo...
by baritone
Sat May 05, 2018 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to The Woodlands,TX
Replies: 60
Views: 10826

Re: Moving to The Woodlands,TX

Grew up in Houston. The summer is 7 months. That's seven. Horrible heat and humidity. I'm not going back unless I'm in handcuffs. I'm in the Albuquerque area now. Best weather in the country, IMHO. That’s an exaggeration. The truly miserable season lasts from mid June to mid September-ish. The 8 we...
by baritone
Tue May 01, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to The Woodlands,TX
Replies: 60
Views: 10826

Re: Moving to The Woodlands,TX

Grew up in Houston. The summer is 7 months. That's seven. Horrible heat and humidity. I'm not going back unless I'm in handcuffs. I'm in the Albuquerque area now. Best weather in the country, IMHO. That’s an exaggeration. The truly miserable season lasts from mid June to mid September-ish. The 8 we...
by baritone
Mon Apr 30, 2018 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to The Woodlands,TX
Replies: 60
Views: 10826

Re: Moving to The Woodlands,TX

I left the Houston Area about 11 years ago now. I was on the south side of town though (LaPorte, Clear Lake City, and Pearland) and spent my high school and college years there. I also owned a my first home while I was there. The good: Many good high paying jobs there - mostly in oil, gas, and medi...
by baritone
Mon Apr 30, 2018 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to The Woodlands,TX
Replies: 60
Views: 10826

Re: Moving to The Woodlands,TX

Grew up in Houston. The summer is 7 months. That's seven. Horrible heat and humidity. I'm not going back unless I'm in handcuffs. I'm in the Albuquerque area now. Best weather in the country, IMHO. That’s an exaggeration. The truly miserable season lasts from mid June to mid September-ish. The 8 we...
by baritone
Mon Apr 30, 2018 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to The Woodlands,TX
Replies: 60
Views: 10826

Re: Moving to The Woodlands,TX

Grew up in Houston. The summer is 7 months. That's seven. Horrible heat and humidity. I'm not going back unless I'm in handcuffs.
I'm in the Albuquerque area now. Best weather in the country, IMHO.
by baritone
Sun Jan 28, 2018 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 132
Views: 22713

Re: My boneheaded financial mistakes

baritone wrote: ↑Thu Jan 25, 2018 5:11 pm By the way I'm a man and cat lover. Congrats to you, baritone. Does your car license plate reflect this? I tried to get CAT DAD as my license plate but unfortunately, in my state, it's already taken... The license plate I want is....... probably can't get by...
by baritone
Sat Jan 27, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 12217

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

I used an iPhone 3 until just a few months ago and only got an iPhone 7 because it will speak thru my hearing aids. Works great. Otherwise I would still use the 3.
by baritone
Thu Jan 25, 2018 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 132
Views: 22713

Re: My boneheaded financial mistakes

Edward Freaking Jones.
By the way I'm a man and cat lover.
by baritone
Sun May 28, 2017 8:42 pm
Forum: Personal Investments
Topic: edward jones guided solutions/grandfathered
Replies: 18
Views: 11691

Re: edward jones guided solutions/grandfathered

Voice of experience: leave EJ, do not look back. Don't even waste time estimating how much money you lost with their scheme. I did it and still grit my teeth and use bad words. It's not that EJ reps lie to you. It's just that they are disingenuous. If you could give them truth serum, they would say ...
by baritone
Sat Apr 29, 2017 2:30 am
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 175
Views: 21205

Re: Microsoft, I want my computer back!

My best friend is a big PC guy. He's having constant problems similar to those you describe. I'm a Mac guy. No problems. He doesn't want to hear about it.