Search found 119 matches

by DippityDoo
Mon Dec 03, 2018 3:25 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: 3571

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

Benjamin Buffett wrote:
Mon Dec 03, 2018 3:01 pm
maybe squeeze some value out of its FA, not sure how much I can get there
Expect no more value than you can get from any other sales rep whose livelihood depends on commissions. Your EJ sales rep has quotas to meet from the home office.
by DippityDoo
Sat Dec 01, 2018 2:17 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 685
Views: 48725

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

I was just on the phone with Fidelity and have been told that there is no fee reimbursement. :( Is everybody here being told something different? I asked about fee reimbursement via Fidelity's online messaging system. I did not disclose the size of my HSA. The email I received said that YES fees wo...
by DippityDoo
Fri Nov 30, 2018 2:24 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 685
Views: 48725

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

We don't need to worry about transferring or draining our Lively accounts. I appreciate all the sharing of experience on this thread! My Lively balance is $0. I have sold off everything at TDA. Am I understanding correctly? I can transfer the cash from TDA to Fido and close the Lively account witho...
by DippityDoo
Tue Nov 20, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 344
Views: 50867

Re: New HSA provider Lively offers investments for $30/yr fee

jhfenton wrote:
Tue Nov 20, 2018 3:16 pm
She said that they will reimburse any transfer fee. She also said that TD Ameritrade usually transfers with a debit rather than sell any securities.
Appreciate the update! Thank you.
by DippityDoo
Tue Nov 20, 2018 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 344
Views: 50867

Re: New HSA provider Lively offers investments for $30/yr fee

jhfenton wrote:
Tue Nov 20, 2018 1:53 pm
I'm in the middle of the same process. I just requested the letter of release from Lively.
Are they reimbursing the $50 TDA transfer fee?
by DippityDoo
Fri Nov 16, 2018 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 344
Views: 50867

Re: New HSA provider Lively offers investments for $30/yr fee

I opened my account in January so I will probably wait until February to close just to be safe. Are you going to transfer anything before you close the Lively account? I think I have 5 more months to reach the one year mark at Lively. I'm going to transfer a few bucks from TDA to Lively and then se...
by DippityDoo
Mon Oct 22, 2018 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: My Edward Jones IRA is out performing my Vanguard 401K
Replies: 76
Views: 10250

Re: My Edward Jones IRA is out performing my Vanguard 401K

You're dealing with a salesman. Yep. The EJ rep has quotas from the home office to meet and trips/bonuses he can earn for selling certain products. And I learned the hard way that EJ reps can create income for themselves by churning. I don't have anything against salespeople who earn a living by co...
by DippityDoo
Sun Sep 02, 2018 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: I want to pry my friend away from Edward Jones
Replies: 71
Views: 7915

Re: I want to pry my friend away from Edward Jones

she said she doesn't feel comfortable managing her money herself. Too complicated. If she asks for reading suggestions, how about Allan Roth's How a Second Grader Beats Wall Street ? If a child can grasp the basics, so can your friend, if she really wants to. I like that book because it's entertain...
by DippityDoo
Sat Aug 11, 2018 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity
Replies: 55
Views: 7906

Re: Moving from Vanguard to Fidelity

I don't have a Vanguard account but I do have Vanguard Funds and ETFs. I am keeping my Vanguard investments. I also own Fidelity Index funds and am a Fidelity customer. These are both good fund companies, where I a Vanguard account holder, I would not be in a hurry to switch. I have accounts at bot...
by DippityDoo
Fri Aug 10, 2018 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity
Replies: 55
Views: 7906

Re: Moving from Vanguard to Fidelity

Most of what I have to is done via online, and when I needed some support they were able to do it. Perhaps, people aren't as passive as they seem to be :?: Or perhaps Vanguard's computer systems are in need of upgrade so that passive investors aren't forced to make calls and do business by snail ma...
by DippityDoo
Fri Aug 10, 2018 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity
Replies: 55
Views: 7906

Re: Moving from Vanguard to Fidelity

Be sure to double check your cost basis after you convert your MF to ETF shares. In fact I recommend you save a copy of your cost basis information before beginning the conversion. VBS has a horrible track record on doing this properly. Please take triceratop's advice! And make sure you have copies...
by DippityDoo
Sun Aug 05, 2018 10:05 pm
Forum: Investing - Theory, News & General
Topic: Has Vanguard fixed their cost basis issues?
Replies: 4
Views: 651

Re: Has Vanguard fixed their cost basis issues?

I was thinking the other day that it's been several months since we've had a thread with somebody complaining about a cost-basis error at Vanguard. Is that true? If so, it might be a sign of some progress on addressing the the issues that a number of people have had in this area (including me) over...
by DippityDoo
Sun Aug 05, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Death of Grandfather - creating to do list for Grandmther
Replies: 23
Views: 1846

Re: Help! Death of Grandfather - creating to do list for Grandmther

She’s not doing any of it herself. I will be doing it as well as my cousin- she’ll just have to be next to me or him while we make the necessary calls. Sorry to hear of your loss. With so many details to attend to, please don't forget that scammers scan obituaries in search of elderly targets. It h...
by DippityDoo
Fri Aug 03, 2018 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones........again...
Replies: 8
Views: 1804

Re: Edward Jones........again...

I'm thinking its "actually" going to cost me $162 a year instead of 112. Since I would be willing to bet that $50 per position will apply to the money market fund as well. And then who knows what the "other fees" are. Yeah, that per position is worrisome. Please don't assume that EJ's definition of...
by DippityDoo
Fri Aug 03, 2018 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones........again...
Replies: 8
Views: 1804

Re: Edward Jones........again...

Im thinking I should just refuse to sign the paper to transfer to the new ira account. Also can someone tell me what the $50 "annual private investment fee" is? Please tell me its not what I think. As an Edward Jones survivor, I can understand your aggravation! If I were in your shoes, I wouldn't s...
by DippityDoo
Thu Aug 02, 2018 3:32 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 762
Views: 78749

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Curious what others have managed to get out of Fidelity in terms of rebating account transfer/closure fees and maybe tossing in a few free trades on low-value accounts. My transfer to Fidelity wasn't a small account so I got some goodies. But I learned in the process that their reps have flexibilit...
by DippityDoo
Wed Aug 01, 2018 7:14 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 762
Views: 78749

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

johnanglemen wrote:
Wed Aug 01, 2018 4:39 pm
* Taxes. This hasn't been discussed much, but Fidelity index funds have distributed capital gains, whereas Vanguard's haven't (in a long time anyway). Thoughts on this?
I've been pondering this. For my taxable account, ITOT (iShares Total US Stock Market) with its .03 ER may be the better buy.
by DippityDoo
Wed Aug 01, 2018 12:53 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 762
Views: 78749

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

jhfenton wrote:
Wed Aug 01, 2018 9:12 am
I saw someone tweet about, but I can't find any other news: Fidelity ZERO℠ Funds (Zero Expense Ratio Offering)
I really appreciate the heads up. Thank you! I was going to make some buys in taxable today but I think now I'll hold off and find out more about these new funds.
by DippityDoo
Fri Jul 27, 2018 7:45 pm
Forum: Investing - Theory, News & General
Topic: Vanguard vs Fidelity representatives
Replies: 15
Views: 2185

Re: Vanguard vs Fidelity representatives

And yet if she was going vanguard to fidelity it would have been super easy. Yes. I did this recently by initiating a transfer via the Fidelity web site. It was fast and easy. At Fidelity, I've had only one problem, and it was handled swiftly and to my satisfaction. They were professional and apolo...
by DippityDoo
Wed Jul 25, 2018 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Leaving Edward Jones
Replies: 33
Views: 3548

Re: Leaving Edward Jones

I'm having the funds liquidated on the EJ side to avoid having to pay fees on the vanguard side to liquidate all the funds. Congrats on the decision to leave EJ! If your portfolio resembles my former EJ portfolio, there will be some proprietary funds that will have to be sold on the EJ side. But ot...
by DippityDoo
Thu Jul 19, 2018 10:12 pm
Forum: Personal Consumer Issues
Topic: Fake IRS calls - anybody care?
Replies: 62
Views: 3817

Re: Fake IRS calls - anybody care?

She also tried to contact ebay, but I couldn't find an email address to report it. I don't even know what they would do. Years ago I ran into a thief on ebay and was surprised by their responsiveness. As I recall, ebay got back to me quickly and suspended the seller's account immediately after lear...
by DippityDoo
Fri Jul 13, 2018 12:36 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 366
Views: 20096

Re: COMING SOON: BOGLEHEADS PODCASTS

The shortest, most descriptive title would be: Boglehead Investing I like it but it doesn't differentiate itself from the multitude of other investing podcasts. We all know who John Bogle is, but a lot of people who could benefit from his advice don't. I still think you need a brief descriptor to a...
by DippityDoo
Thu Jul 12, 2018 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Selecting HSA custodian
Replies: 14
Views: 1214

Re: Selecting HSA custodian

Another vote for Lively. Here's the list of commission-free ETFs available at TD Ameritrade.

A few State Street tickers you may find helpful are
SPAB- Total Bond
SPTM- Total Stock Market
SPDW- International
SPEM- Emerging Markets
by DippityDoo
Thu Jul 12, 2018 1:24 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 366
Views: 20096

Re: COMING SOON: BOGLEHEADS PODCASTS

fsh71 wrote:
Thu Jul 12, 2018 1:21 pm
"Own the Market

Own the Market... I really like that if it has to be something short and sweet.
by DippityDoo
Thu Jul 12, 2018 12:37 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 366
Views: 20096

Re: COMING SOON: BOGLEHEADS PODCASTS

What do you think about calling the podcast “Bogle’s Folly” Comments? IMHO it depends on your target audience. If you want to reach people who already know who John Bogle is, then it's probably fine. But if the target audience is people who don't yet understand Boglehead principles of investing, a ...
by DippityDoo
Tue Jul 10, 2018 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Funds .004% Management Fee Each Year
Replies: 9
Views: 1183

Re: Fidelity Funds .004% Management Fee Each Year

I would probably not pay 0.40%. Strongly agree! i'm a satisfied Fidelity customer but I would never pay that kind of fee for them to manage any kind of asset. if I intended to hold muni bonds until maturity, I'd simply buy them via the Fido web site myself. I formerly held 3 inherited muni bonds at...
by DippityDoo
Mon Jul 09, 2018 11:08 am
Forum: Investing - Help with Personal Investments
Topic: [Moving from Edward Jones to Vanguard, paperwork help requested]
Replies: 3
Views: 525

Re: [Moving from Edward Jones to Vanguard, paperwork help requested]

I've looked through all their paperwork, the EJ site under their login, and have google the ticker symbol but can't find the symbol anywhere. Hi, richinlife. On your parents' paper statements, is there a section called "Asset Details" or something similar? If so, after the fund name you may see som...
by DippityDoo
Fri May 25, 2018 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Where to transfer Roth?
Replies: 8
Views: 755

Re: Where to transfer ROTH?

What if I were to pick vanguard funds through schwab. I hear schwab customer service and other services are much better. You can do that, although you'll pay a fee for purchase/sale of the fund unless you can negotiate some free trades. I hold a Vanguard fund at Fidelity. There is no fee to auto-re...
by DippityDoo
Fri May 25, 2018 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Where to transfer Roth?
Replies: 8
Views: 755

Re: Where to transfer ROTH?

All other things being equal, I would choose Vanguard or Fidelity over Schwab because Schwab tends to keep a portion of the fund in cash rather than stocks and bonds. The OP is young enough that a Fidelity Freedom Index Fund appropriate for him likely wouldn't hold cash until he's much further alon...
by DippityDoo
Thu May 24, 2018 11:31 pm
Forum: Investing - Theory, News & General
Topic: Why Edward Jones?
Replies: 92
Views: 17620

Re: Why Edward Jones?

Sometimes I don’t sell. If I give a second opinion and I think they look good, I’m not going to lie. Of course, with my ethics I my not make it 😂😂... but at least I’ll keep my medical license to fall back on I suppose. Perhaps I’m a bit naive to think there are some good financial planners in the w...
by DippityDoo
Sat May 12, 2018 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Help to Leave Edward Jones / Allocation & Taxes
Replies: 18
Views: 1945

Re: Help to Leave Edward Jones / Allocation & Taxes

Any brokerage you may select will be able to tell you upfront what it will cost to sell an asset with them. Yes. This is an area where you can negotiate. If you're talking to Schwab, you can tell them that you want to unload some funds for Schwab funds but don't want to spend a fortune doing it. If...
by DippityDoo
Sat May 12, 2018 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Help to Leave Edward Jones / Allocation & Taxes
Replies: 18
Views: 1945

Re: Help to Leave Edward Jones / Allocation & Taxes

You’ll have to find out if it’s cheaper to sell at EJ and then transfer the cash or transfer in-kind and then sell at your custodian. Please don't overlook this nugget of advice. A year ago I left EJ for Fidelity. Fidelity allowed me to sell on their side without trading fees. It would have cost me...
by DippityDoo
Thu May 10, 2018 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones to Index funds model
Replies: 18
Views: 2235

Re: Edward Jones to Index funds model

I'm sure Fidelity and Schwab have low cost advisory services too. I'm a happy camper at Fidelity but I wouldn't recommend their advisory service because it's too pricey. But for someone willing to manage their own portfolio and select low-cost funds, I think Fidelity is perfectly fine. Their custom...
by DippityDoo
Wed May 09, 2018 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones to Index funds model
Replies: 18
Views: 2235

Re: Edward Jones to Index funds model

Hi, Janet. I left EJ for Fidelity. They gave me a cash bonus for transferring my accounts and they reimbursed EJ's account closure fees. If I may, I'd like to give you one piece of advice: Please don't feel as though you owe your EJ rep a heads-up as a courtesy. Sometimes EJ reps get downright nasty...
by DippityDoo
Wed May 09, 2018 11:25 am
Forum: Investing - Theory, News & General
Topic: WSJ--Fidelity Employees Fired After Alleged Misuse of Reimbursement Programs
Replies: 32
Views: 5078

Re: WSJ--Fidelity Employees Fired After Alleged Misuse of Reimbursement Programs

SeeMoe wrote:
Tue May 08, 2018 6:07 pm
Often wonder what the Vanguard CEO and staff earn? What their retirement packages look like, but it is private information far as I know.
Bill McNabb was reported to have a $10M-15M salary. I'm sure most CEOs of the major brokerages and fund companies do well.
by DippityDoo
Wed May 09, 2018 11:20 am
Forum: Investing - Theory, News & General
Topic: WSJ--Fidelity Employees Fired After Alleged Misuse of Reimbursement Programs
Replies: 32
Views: 5078

Re: WSJ--Fidelity Employees Fired After Alleged Misuse of Reimbursement Programs

triceratop wrote:
Wed May 09, 2018 11:10 am
I'll only note this line buried in the article
I glossed over that part. Thanks for drawing attention to it.
by DippityDoo
Tue May 08, 2018 3:41 pm
Forum: Personal Consumer Issues
Topic: Do you know anyone unhappy in a CCRC?
Replies: 41
Views: 5200

Re: Do you know anyone unhappy in a CCRC?

The marketing materials are always very shiny and beautiful, but there may be some rot beneath the surface. Oh, amen to that! Not just the brochures, but the marketing people can be slick too. Be sure EVERY detail important to you is in writing, just as you would if you were buying a car. The proce...
by DippityDoo
Sun May 06, 2018 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Elder Care Advice
Replies: 26
Views: 2435

Re: Elder Care Advice

They have a Will, medical directives and Power of attorney (Mom primary and me secondary). We have an appointment next week with an attorney who specializes in Elder Care issues. Are you backup power of attorney for healthcare decision-making? I was in that situation and it was an enormous hassle b...
by DippityDoo
Fri May 04, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 19838

Re: Ed. Jones rep didn't like our plan, now we're locked out

It is worth noting that both of my parents have their full faculties and are not infirm in any way. They are able bodied, independent and require no assistance. I am merely helping with this in order to reduce their understandable stress. I don't doubt you. I just wouldn't put it past EJ to lock th...
by DippityDoo
Fri May 04, 2018 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 19838

Re: Ed. Jones rep didn't like our plan, now we're locked out

k3vb0t wrote:
Fri May 04, 2018 9:49 am
Or is this covered in sneaky legal language in their agreement with EJ?
Maybe longstanding customers didn't have to sign updated paperwork. But the stuff I signed required arbitration. I think too it depends on why the account was locked. EJ would certainly claim it was for customer protection.
by DippityDoo
Fri May 04, 2018 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 19838

Re: Ed. Jones rep didn't like our plan, now we're locked out

I am not clear if the advisor's request to "terminate" the account means requesting the account be removed from their client list or if it has been proposed that the account be removed from EJ. My first thought reading this thread is that EJ locked the account to "protect" elderly customers from be...
by DippityDoo
Tue Apr 03, 2018 5:03 am
Forum: Personal Finance (Not Investing)
Topic: Identity theft question
Replies: 6
Views: 1153

Re: Identity theft question

Report the identity theft to the irs and try to get an irs pin. ^^This! The thief may misuse your SSN in the future or sell it for a few bucks and allow others to misuse it. You can proactively notify the IRS by explaining what happened in section B of this form . Probably wouldn't hurt to include ...
by DippityDoo
Mon Apr 02, 2018 9:23 pm
Forum: Investing - Theory, News & General
Topic: Select Account HSA changing to Further?
Replies: 8
Views: 1796

Re: Select Account HSA changing to Further?

Anyone know if this will change anything or know any information on this company? Looks like they've changed to Further now. First thing I got after login was a short survey. (You can bypass it by hitting enter without answering any questions.) Can't find a way to stop my automatic contribution so ...
by DippityDoo
Thu Mar 29, 2018 11:06 am
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 23613

Re: A lot of heavy hitters this morning

there is a ton of useful information here, applicable to any income/asset bracket. Well said! I appreciate the advice FREELY shared by heavy hitters here. If not for this forum and Taylor's book, I'd still be getting ripped off by Edward Jones. While I was figuring out how to disentangle from EJ, s...
by DippityDoo
Thu Mar 15, 2018 5:24 am
Forum: Personal Finance (Not Investing)
Topic: Huge special assessment on Condo?
Replies: 60
Views: 6962

Re: Huge special assessment on Condo?

In addition to the percentage of rentals in a condo, you also need to look at the number of units owned (and rented out) by any one individual, or company. That is EXCELLENT advice for anyone considering a condo purchase! It's definitely a good idea to look up the property on the appropriate local ...
by DippityDoo
Wed Mar 14, 2018 6:14 am
Forum: Personal Finance (Not Investing)
Topic: Huge special assessment on Condo?
Replies: 60
Views: 6962

Re: Huge special assessment on Condo?

You should also really think about whether or not you want to live in a condo that has such a high proportion of renters. Why not rent? Have you compared the costs of renting vs. buying one of those condos? Very well said! One problem with a high percent of renters can be with the composition of th...
by DippityDoo
Thu Jan 11, 2018 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: WSJ: Discount Brokers Win Bonuses to Push Costlier Products
Replies: 38
Views: 3747

Re: WSJ: Discount Brokers Win Bonuses to Push Costlier Products

Almost any method of employee compensation or bonus has some potential to create a conflict of interest. Yes, that was my point but you stated it better. But with no commissions for Vanguard employees there is certainly less conflict of interest than at other firms. If Vanguard has bonuses for PAS ...
by DippityDoo
Thu Jan 11, 2018 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: WSJ: Discount Brokers Win Bonuses to Push Costlier Products
Replies: 38
Views: 3747

Re: WSJ: Discount Brokers Win Bonuses to Push Costlier Products

Every firm markets itself. Yep. As an Edward Jones survivor, for me the issue is transparency. I expect less than full disclosure in a marketing brochure or web banner. But when I talk to a rep, I want transparency. And I want it ESPECIALLY when there may be a potential conflict of interest. If I w...
by DippityDoo
Thu Jan 11, 2018 2:57 am
Forum: Investing - Help with Personal Investments
Topic: WSJ: Discount Brokers Win Bonuses to Push Costlier Products
Replies: 38
Views: 3747

Re: WSJ: Discount Brokers Win Bonuses to Push Costlier Products

Even Vanguard is not completely innocent. It appears that Vanguard has been promoting Vanguard PAS especially for their Flagship customers. According to this article , Vanguard "financial planners who don't reach company-set quotas for signing up customers for Personal Advisor Services don't qualif...