Search found 73 matches

by baritone
Tue May 19, 2020 11:21 am
Forum: Personal Investments
Topic: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s
Replies: 32
Views: 2238

Re: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s

You're getting excellent advice from folks far brighter and more knowledgeable than I, so I'll just contribute one observation: The Edward Jones higher-ups would be apoplectic if they discovered that their rep didn't rob your folks a lot more that he has. You seem to have great, hard-working parents...
by baritone
Mon May 18, 2020 11:11 pm
Forum: Personal Consumer Issues
Topic: Help: Update: Advice Getting Hearing Aids? What? What?
Replies: 44
Views: 1759

Re: Help: Any Problems or Pitfalls or Advice When it Comes to Getting Hearing Aids? What? What?

I use Audibel hearing aids though I got them before I learned that Costco has good ones. My aids work with my iPhone as a previous responder mentioned and I love it. It's a big difference when you can hear the phone in both ears. Get hearing aids that are mostly outside the ear. My first 2 pair were...
by baritone
Sun May 17, 2020 11:08 am
Forum: Personal Investments
Topic: Municipal bonds - concerns?
Replies: 31
Views: 2518

Re: Municipal bonds - concerns?

bfeenix44 wrote:
Mon Apr 27, 2020 1:14 pm
My father has several individual municipal bonds in his Ed Jones portfolio. Is there reason for concerns with these given the current economic situation?

thanks...
tamara
Please take the advice you'll get here and extricate him from Edward Jones !!!
by baritone
Sat Apr 11, 2020 6:40 pm
Forum: Personal Investments
Topic: Ponzi Scheme?
Replies: 215
Views: 17779

Re: Ponzi Scheme?

I can't believe how many scams I've heard of from "a member of our church".
by baritone
Tue Mar 31, 2020 11:43 am
Forum: Personal Consumer Issues
Topic: Did you move for better weather? Did you regret it?
Replies: 108
Views: 8818

Re: Did you move for better weather? Did you regret it?

I've lived in climates with hot, humid summers most of my life. 90+ degrees and high humidity for 5 straight months (May through September) is too much for me. Also, there's not really any respite it in the evenings or mornings. It may drop to 70 for a few hours (though there are many nights where ...
by baritone
Tue Mar 31, 2020 11:40 am
Forum: Personal Consumer Issues
Topic: Did you move for better weather? Did you regret it?
Replies: 108
Views: 8818

Re: Did you move for better weather? Did you regret it?

I've lived in climates with hot, humid summers most of my life. 90+ degrees and high humidity for 5 straight months (May through September) is too much for me. Also, there's not really any respite it in the evenings or mornings. It may drop to 70 for a few hours (though there are many nights where ...
by baritone
Mon Mar 30, 2020 6:48 pm
Forum: Investing - Theory, News & General
Topic: Help me understand this market--or How can S&P be 2600 today?
Replies: 109
Views: 9442

Re: Help me understand this market--or How can S&P be 2600 today?

Yep. Les Nessman with the live on-the-scene coverage.



As God is my witness, I thought turkeys could fly (Gordon Jump)
by baritone
Sun Mar 29, 2020 10:47 pm
Forum: Investing - Theory, News & General
Topic: Sitting on a bunch of cash; what to do with it if I believe we're headed for SPX 1800 and protracted recession?
Replies: 206
Views: 21336

Re: Sitting on a bunch of cash; what to do with it if I believe we're headed for SPX 1800 and protracted recession?

I haven't made a move yet with my investments, but I'm watching day-to-day wondering if/when to pull the trigger and which direction to fire. We're in our 70's and wife nearly blind. Hiding in the house. Zombies everywhere. Why do you have to pull the trigger? Once I'm in my 70s, I hope to never pu...
by baritone
Sun Mar 29, 2020 11:45 am
Forum: Investing - Theory, News & General
Topic: Sitting on a bunch of cash; what to do with it if I believe we're headed for SPX 1800 and protracted recession?
Replies: 206
Views: 21336

Re: Sitting on a bunch of cash; what to do with it if I believe we're headed for SPX 1800 and protracted recession?

PLEASE NOTE: Yes, this is market timing. I'm not looking for any reproach for trying to time the market. I think it's almost always a bad idea. But this virus representing a huge threat was obvious to many in early February, when we were at ATHs and the market was pricing in literally zero risk of ...
by baritone
Fri Mar 20, 2020 6:27 pm
Forum: Investing - Theory, News & General
Topic: Anybody want to guess the bottom of this "dip"?
Replies: 573
Views: 38024

Re: Anybody want to guess the bottom of this "dip"?

I invite comments because I think this is related: VFIAX has seriously tanked 30% or so in 1 month. VCSAX only a little more than half that. I wouldn't "market time" if I thought things would be back to normal anytime soon, but my guess is the economy is going to reek for quite some time. Defensive...
by baritone
Fri Mar 20, 2020 5:43 pm
Forum: Investing - Theory, News & General
Topic: Anybody want to guess the bottom of this "dip"?
Replies: 573
Views: 38024

Re: Anybody want to guess the bottom of this "dip"?

I invite comments because I think this is related: VFIAX has seriously tanked 30% or so in 1 month. VCSAX only a little more than half that. I wouldn't "market time" if I thought things would be back to normal anytime soon, but my guess is the economy is going to reek for quite some time. Defensive...
by baritone
Fri Mar 20, 2020 5:18 pm
Forum: Investing - Theory, News & General
Topic: Anybody want to guess the bottom of this "dip"?
Replies: 573
Views: 38024

Re: Anybody want to guess the bottom of this "dip"?

I invite comments because I think this is related: VFIAX has seriously tanked 30% or so in 1 month. VCSAX only a little more than half that. I wouldn't "market time" if I thought things would be back to normal anytime soon, but my guess is the economy is going to reek for quite some time. Defensive ...
by baritone
Sat Feb 29, 2020 10:42 pm
Forum: Investing - Theory, News & General
Topic: Are you glad to have bonds in your AA? I am.
Replies: 76
Views: 4743

Re: Are you glad to have bonds in your AA? I am.

My AA is about 35/65 because I'm a geezer (74). Since I'm not a knowledgable or sophisticated investor, can anyone tell me why the diversification advice (stocks go down, bonds go up) isn't really working. I see VFIAX going head-first into the toilet but VBTLX not really keeping up as I anticipated...
by baritone
Sat Feb 29, 2020 12:07 pm
Forum: Investing - Theory, News & General
Topic: Are you glad to have bonds in your AA? I am.
Replies: 76
Views: 4743

Re: Are you glad to have bonds in your AA? I am.

My AA is about 35/65 because I'm a geezer (74). Since I'm not a knowledgable or sophisticated investor, can anyone tell me why the diversification advice (stocks go down, bonds go up) isn't really working. I see VFIAX going head-first into the toilet but VBTLX not really keeping up as I anticipated....
by baritone
Sat Feb 29, 2020 1:00 am
Forum: Personal Consumer Issues
Topic: How Do you Exercise Indoors?
Replies: 127
Views: 9763

Re: How Do you Exercise Indoors?

sailaway wrote:
Wed Feb 26, 2020 5:27 pm
You put the right foot in, you put the right foot out...
I have a T-shirt that says "What if the Hokey-Pokey Really is What It's All About?"
by baritone
Fri Feb 14, 2020 6:38 pm
Forum: Personal Investments
Topic: Horrible Experience with Vanguard [Login account security]
Replies: 163
Views: 10974

Re: Horrible Experience with Vanguard

Nearly exact same thing happened to me about 2 months ago. I went through that same "fill out a form and get it notarized" episode.
Since then, no problems. I don't see any way around it and I would not move out of Vanguard over it. Chill.
by baritone
Wed Feb 12, 2020 11:35 am
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 28029

Re: Protection Against Home Intruders

.45 auto, .38 revolver, .32 auto, .25 auto, .22 revolver, .22 rifle, and my wife is from Wyoming and is a better shot than I am. Drat!
by baritone
Fri Feb 07, 2020 12:06 am
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27698

Re: What is the best concert you ever witnessed?

For me, the smaller, more intimate the venue, the better. Mine was The Alarm in our small college gym. I was so close, I could have jumped on stage. I saw Ray Charles in a dinner theater in Houston, about 1980 or so, and I was maybe 15 feet away from him. Awesome! Oh, and Tom Jones in Colorado abou...
by baritone
Fri Jan 17, 2020 6:14 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 724
Views: 38616

Re: What are you listening to now

Anything by Tom Jones. He is equally adept at R and B, rock, country, just about anything.

Also Led Zeppelin from the 70's.
by baritone
Tue Dec 03, 2019 6:23 pm
Forum: Personal Consumer Issues
Topic: Unpaid speeding ticket from 40 years ago.
Replies: 93
Views: 7904

Re: Unpaid speeding ticket from 40 years ago.

Taking a trip to Death Valley and Palm Springs soon. About 40 years ago, I got a speeding ticket in California and decided not to pay it. Is there a statute of limitations or should I let my wife drive? :sharebeer :sharebeer Just tell the copper you ain't talking widdout your mouthpiece gets dere.
by baritone
Tue Dec 03, 2019 11:43 am
Forum: Personal Consumer Issues
Topic: Apps or structured program for reading the Bible?
Replies: 36
Views: 2201

Re: Apps or structured program for reading the Bible?

Cut out all the superfluous and read this. Will go much faster. https://www.amazon.com/Jefferson-Bible-Smithsonian-Morals-Nazareth/dp/158834312X/ref=pd_aw_fbt_img_2/146-2882226-3235267?_encoding=UTF8&pd_rd_i=158834312X&pd_rd_r=2d96c7d3-1cf6-4ebd-a8bc-d13b82e1903a&pd_rd_w=aWXeZ&pd_rd_wg=A4nhV&pf_rd_...
by baritone
Sat Sep 21, 2019 12:04 pm
Forum: Personal Consumer Issues
Topic: Retirement - Living in Colorado
Replies: 57
Views: 10484

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: 32953

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: 37857

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: 37857

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: 4885

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: 11
Views: 1178

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: 9911

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: 4839

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: 1624

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: 5633

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: 5969

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: 1218

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: 15057

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: 2037

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: 120
Views: 57130

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: 3868

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: 8247

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: 50
Views: 5620

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: 2650

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: 8877

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: 10219

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: 3660

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: 2134

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: 3992

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: 248
Views: 24974

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: 432
Views: 276172

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: 4011

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: 8989

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: 3447

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...