Search found 57 matches

by JC565
Sun May 26, 2019 10:50 am
Forum: Personal Investments
Topic: EJ to Vanguard Frozen Simple - my experience
Replies: 4
Views: 1160

Re: EJ to Vanguard Frozen Simple - my experience

I cannot close the account. 5305 simple and I am required to use EJ to get company match
by JC565
Sun May 26, 2019 1:21 am
Forum: Personal Investments
Topic: EJ to Vanguard Frozen Simple - my experience
Replies: 4
Views: 1160

EJ to Vanguard Frozen Simple - my experience

I was locked into an EJ guided solutions account (5305 simple ira) I talked to the EJ salesman and told him I wanted ability to hold assets in cash Low fees Freedom to purchase whatever I want No account minimum "since I'll be b buying a house soon" No drips, no rebalancing That led me to converting...
by JC565
Wed May 08, 2019 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: If/When Should I make a trust?
Replies: 27
Views: 2719

Re: If/When Should I make a trust?

... a bit on the personal side. I was 12 years old when my father passed. He had never worked a real job and paid social security, and received disability. So when he died, I was left with nothing, and my mother had to raise me on her own. I refuse to let that happen again. (it already wont since I ...
by JC565
Wed May 08, 2019 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: If/When Should I make a trust?
Replies: 27
Views: 2719

Re: If/When Should I make a trust?

This is all very good information. I appreciate all of your advice. Since I think what I want is pretty cut and dry, I see no reason not to go ahead and set up the trust and will, just in case.
by JC565
Wed May 08, 2019 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: If/When Should I make a trust?
Replies: 27
Views: 2719

Re: If/When Should I make a trust?

Thanks for all your replies. It sounds like many of the things your saying are certainly reasons I would want to make a trust. The next question is, dollar value. Is there a point to making a trust for a small amount of money? (meaning say 20-100k) And can trust be used to keep investments in perpe...
by JC565
Tue May 07, 2019 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: If/When Should I make a trust?
Replies: 27
Views: 2719

Re: If/When Should I make a trust?

Thanks for all your replies. It sounds like many of the things your saying are certainly reasons I would want to make a trust. The next question is, dollar value. Is there a point to making a trust for a small amount of money? (meaning say 20-100k) And can trust be used to keep investments in perpet...
by JC565
Tue May 07, 2019 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: If/When Should I make a trust?
Replies: 27
Views: 2719

If/When Should I make a trust?

Im wondering when and how people make the decision to set up a trust. "who" should have a trust? "why" should you have a trust. Ive search and found lots of information on types of trusts and reasons for having them. But nothing at this basic "beginners level" Anyone care to take a swing?

JC
by JC565
Mon Aug 06, 2018 3:39 pm
Forum: Investing - Theory, News & General
Topic: Growth Funds
Replies: 5
Views: 599

Re: Growth Funds

Why "growth" funds? All funds are meant to grow and there is no such thing as a "no-growth fund", so I am wondering why you chose them as opposed to a fund without "growth" in the name.? some grow more than others. :D ...as for why i chose them.. because they have higher historical returns. VOOG be...
by JC565
Mon Aug 06, 2018 2:49 pm
Forum: Investing - Theory, News & General
Topic: Growth Funds
Replies: 5
Views: 599

Growth Funds

I am wondering where to diversify. I currently have a few growth funds. VOOG, VONG, and TRBCX. This is all in my brokerage. In my IRA, I have 30% growth and the rest in dividend stocks and bonds. I do plan on investing a bit in some biotech funds, but Im wondering where you guys think I should go ne...
by JC565
Mon Aug 06, 2018 7:06 am
Forum: Investing - Theory, News & General
Topic: Good biotech funds
Replies: 23
Views: 2245

Re: Good biotech funds

And I totally disagree with the poster who said CRISPR is dead. It has not even gotten started. There is almost nothing you can't do with it. It may be limited by legality and by moratoria on germline manipulation, but China will do it for sure. The prior decades-old technologies, antisense and RNA...
by JC565
Sat Aug 04, 2018 8:58 am
Forum: Investing - Theory, News & General
Topic: How does one become a financial advisor?
Replies: 34
Views: 2620

Re: How does one become a financial advisor?

Im curious about the fund building process. Lets say that I have passed the series 7. Lets also say that personally, I have my assets spread across a balanced mix of index funds, dividend stocks, precious metals, etc. How does one go about bundling that into a product that I can take to aunt Jemima...
by JC565
Sat Aug 04, 2018 8:23 am
Forum: Investing - Theory, News & General
Topic: Good biotech funds
Replies: 23
Views: 2245

Re: Good biotech funds

Thanks for the advice folks. I think I am going to go with the TRowe Price fund. Im not interested in directly investing in risky companies, or doing much leg work, but i do believe some significant medical advances are close (5 - 10 years).

thanks again.
by JC565
Sat Aug 04, 2018 8:09 am
Forum: Investing - Theory, News & General
Topic: How does one become a financial advisor?
Replies: 34
Views: 2620

Re: How does one become a financial advisor?

Im curious about the fund building process. Lets say that I have passed the series 7. Lets also say that personally, I have my assets spread across a balanced mix of index funds, dividend stocks, precious metals, etc. How does one go about bundling that into a product that I can take to aunt Jemima ...
by JC565
Fri Aug 03, 2018 10:57 am
Forum: Personal Investments
Topic: Edward Jones........again...
Replies: 8
Views: 2052

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

my "benefits department" is so over-whelmed this is the last thing they care about. especially since there is only a few people that actually use it, and I am the ONLY one who understands how much this is costing use. Collectively we are talking hundreds of thousands of dollars they we are just givi...
by JC565
Fri Aug 03, 2018 10:22 am
Forum: Investing - Theory, News & General
Topic: How does one become a financial advisor?
Replies: 34
Views: 2620

How does one become a financial advisor?

At the lowest level, how to you get to the point you can legally offer financial advice? does it require a degree? Could you get a brokers license and open your own shop? Lets just say you want to do it part time and help your family and friends (i know.. i know..) At the highest level, could you bu...
by JC565
Thu Aug 02, 2018 11:22 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 330
Views: 28027

Re: Invest in Tesla?

I posted here About how to short tsla and got admonished for it. This was about a week before it plummeted. :D

Tesla is a loser. Treat it that way till it isn't (or it gets bought out)
by JC565
Thu Aug 02, 2018 11:09 pm
Forum: Investing - Theory, News & General
Topic: Good biotech funds
Replies: 23
Views: 2245

Good biotech funds

I'd like to invest in biotech companies. Can anyone suggest a good fund that isnt to deep into experimental/risky companies? Im thinking something more long term and steady. I don't know who is who in pharma world but I do know genetics are the big focus these days
by JC565
Thu Aug 02, 2018 9:23 pm
Forum: Personal Investments
Topic: Edward Jones........again...
Replies: 8
Views: 2052

Edward Jones........again...

(Will they just go out of business already... :x ) Ok so now that the fiduciary rules have been rolled back, it seems I have to move away from my guided solutions account into a :?: different :?: simple ira. (Read: one that will make ej more money) Essentially my account has been just a place holder...
by JC565
Thu Jun 21, 2018 10:13 am
Forum: Personal Investments
Topic: How to purchase Swiss Stocks?
Replies: 2
Views: 354

Re: How to purchase Swiss Stocks?

Thanks for the advice I will look at the links you provided as well as check the website. I'm aware of the GE'esque risk. I'm very diversified, and this will increase my holding in industrial to only about 12-15% of my portfolio. Im basically trying to mirror what index funds do, but with stocks. Sl...
by JC565
Thu Jun 21, 2018 8:22 am
Forum: Personal Investments
Topic: How to purchase Swiss Stocks?
Replies: 2
Views: 354

How to purchase Swiss Stocks?

Hey guys. I am interested in purchasing shares from a swiss company. This is a company I actually used to work for and they have a solid history and dividend. The shares however, are only listed on the swiss exchange. I am not sure how to access them directly. IIRC, my old fidelity account gave me a...
by JC565
Thu May 31, 2018 2:31 pm
Forum: Personal Investments
Topic: Dividend Half what its supposed to be?
Replies: 6
Views: 1054

Re: Dividend Half what its supposed to be?

Nevermind.... I see how it works now. Learn something new every day! Thanks for the input
by JC565
Thu May 31, 2018 2:03 pm
Forum: Personal Investments
Topic: Dividend Half what its supposed to be?
Replies: 6
Views: 1054

Dividend Half what its supposed to be?

Hey guys, I bought about $300 worth of GE shares back in january and march. around 150 each time. 22 shares total. I Read that GE dividend was .12 per share. doesnt take very complex math to see that 22 x .12 = $2.64. However, when I look at my transaction history in vanguard, the total dividend i a...
by JC565
Fri Feb 09, 2018 7:35 am
Forum: Investing - Theory, News & General
Topic: Feeling good about the market's direction. Wish it would drop more...
Replies: 14
Views: 2728

Re: Feeling good about the market's direction. Wish it would drop more...

trading vs investing.

its all proportional to your risk profile.

my perpective at 30 yo, is that I hope it plummets. A guy that just signed the contract on his retirement yacht probably doesn't feel that way.
by JC565
Thu Feb 08, 2018 7:52 am
Forum: Investing - Theory, News & General
Topic: How to short TSLA?
Replies: 50
Views: 3696

Re: How to short TSLA?

That's The basic tenant abount musk that drives these share prices. Musk DID NOT put falcon heavy into space. SPACE X Did. Thousands of engineers did. In fact i Dont Think ive ever once heard musk actually give anyone credit for anything. I cant stand the guy. And i have driven a tesla. I owned a mo...
by JC565
Thu Feb 08, 2018 12:19 am
Forum: Investing - Theory, News & General
Topic: How to short TSLA?
Replies: 50
Views: 3696

Re: How to short TSLA?

I bet 1500 doesn't even pay for tooling.
by JC565
Wed Feb 07, 2018 11:42 pm
Forum: Investing - Theory, News & General
Topic: How to short TSLA?
Replies: 50
Views: 3696

Re: How to short TSLA?

In regards to tsla.. if anyone cares to discuss the merits of my prospective trade. Well it's the "hot stock." Something could happen to make it fall out of favor, and then the stock comes crashing down to Mars (wakka wakka). But I think the main threat is they just aren't very good at making cars....
by JC565
Wed Feb 07, 2018 11:37 pm
Forum: Investing - Theory, News & General
Topic: How to short TSLA?
Replies: 50
Views: 3696

Re: How to short TSLA?

More money has been lost shorting Tesla in the last few years than the GDP of several small countries. If you have to ask how to short Tesla, you have no business shorting Tesla. I love these types of replies.... reminds me of that line in that movie "wall street wants you to think only they can do...
by JC565
Wed Feb 07, 2018 10:49 pm
Forum: Investing - Theory, News & General
Topic: How to short TSLA?
Replies: 50
Views: 3696

Re: How to short TSLA?

Yes i Do not have a margin account. Just a simple vanguard brokerage. I do have a forex account that gives me access to margin, but for forex only. (Forex is where i got what knowledge i do have of shorting) Im going to take the next couple of days to study on this. And i appreciate all of your inpu...
by JC565
Wed Feb 07, 2018 9:43 pm
Forum: Investing - Theory, News & General
Topic: How to short TSLA?
Replies: 50
Views: 3696

Re: How to short TSLA?

acanthurus wrote:
Wed Feb 07, 2018 8:51 pm
I'd probably buy deep in the money puts. No margin account required but you will need a lower level options account.
Doesnt that assume the stock will increase? The 2 examples i Found online both profited on rising stock.
by JC565
Wed Feb 07, 2018 8:52 pm
Forum: Investing - Theory, News & General
Topic: How to short TSLA?
Replies: 50
Views: 3696

Re: How to short TSLA?

Thanks for the advice. That was quick. Ive never ventured into options but I'm interested.
by JC565
Wed Feb 07, 2018 8:35 pm
Forum: Investing - Theory, News & General
Topic: How to short TSLA?
Replies: 50
Views: 3696

How to short TSLA?

So I know what shorting is.. But Ive never actually done it. How would one go about shorting a stock? Would I need to set up a margin account? Interested in learning hear ao i want to play little money. Nothing major. (Sub 5k) and yes i know id also be liable inthe case of a margin call and need to ...
by JC565
Tue Feb 06, 2018 9:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 19954

Re: Vanguard site is crashed now?

I didnt trade on it, but my mb trading platform didnt miss a beat yesterday afternoon. (I use desktop pro) i think handling thier forex volume gives them a leg up in the arena of massive customer traffic. That said...vanguard should immediately invest in upgrades. This issue is not trivial. I to not...
by JC565
Mon Feb 05, 2018 11:04 pm
Forum: Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 52346

Re: Today was a Really Bad Day

Today was a great day!! Buy buy buy! :moneybag :moneybag :moneybag but I'm young so different perspective
by JC565
Thu Feb 01, 2018 4:59 pm
Forum: Investing - Theory, News & General
Topic: Anyone else cashing out on *some* of the crazy earnings?
Replies: 74
Views: 9730

Re: Anyone else cashing out on *some* of the crazy earnings?

I too believe a correction is coming. But Im not interested in cashing out. Instead, I'm stacking cash and waiting to lower my cost basis. Im also mostly invested in index funds. That said. I bought GE @30 a while back. Today I bought a good amount at 16. I don't beleive GE is at the bottom, but I a...
by JC565
Sat Jan 20, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking progress to $1M portfolio and no mortgage by 40
Replies: 102
Views: 29047

Re: Tracking progress to $1M portfolio and no mortgage by 40

I get that, But what are they selling?
by JC565
Sat Jan 20, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Deciding acct to pull money for a new car?
Replies: 10
Views: 891

Re: Deciding acct to pull money for a new car?

if its a new car, and your have the ability to pay cash, you most likely qualify, so why not opt for something with a 0% financing so you can leave your money invested? not only due you keep your money compounding, but inflation actually makes your new car cost less than if you paid in cash in full ...
by JC565
Sat Jan 20, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Tracking progress to $1M portfolio and no mortgage by 40
Replies: 102
Views: 29047

Re: Tracking progress to $1M portfolio and no mortgage by 40

What the heck is tech sales and how do I do it? because apparently mechanical engineering is not the correct field :oops:
by JC565
Sat Jan 20, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Deeds and restrictions??? on stores?
Replies: 1
Views: 352

Deeds and restrictions??? on stores?

Hey folks. This might be a little off topic, but I figured the knowledge was here. its not really finance, but may be useful info for future purchases. First off, I have ALWAYS been peeved about the legality of deed restrictions. It frankly pisses me off that someone along the line with some money t...
by JC565
Wed Jan 17, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: The Free market Takes care of itself. EJ loses
Replies: 14
Views: 1885

Re: The Free market Takes care of itself. EJ loses

Thats a story everyone should tell their kids.
by JC565
Wed Jan 17, 2018 8:54 am
Forum: Personal Investments
Topic: have about 400k of new money coming in
Replies: 8
Views: 1688

Re: have about 400k of new money coming in

id put about 350 into various index funds 70/30 us international, and the rest into a x3 fund. big risk, big reward... but thats just me.
by JC565
Tue Jan 16, 2018 11:50 am
Forum: Investing - Theory, News & General
Topic: The Free market Takes care of itself. EJ loses
Replies: 14
Views: 1885

Re: The Free market Takes care of itself. EJ loses

I wonder if the personality trait test has something to do with submissive and non questioning nature.
by JC565
Tue Jan 16, 2018 10:37 am
Forum: Investing - Theory, News & General
Topic: The Free market Takes care of itself. EJ loses
Replies: 14
Views: 1885

The Free market Takes care of itself. EJ loses

So a week or so ago I posted some questions regarding my simple ira, and edward jones. and what a PAIN in the arse EJ is. (see post https://www.bogleheads.org/forum/viewtopic.php?f=1&t=236678&p=3703076#p3703076 ) Fortunately I have a very business savvy boss/owner and he agreed to set me up with van...
by JC565
Fri Jan 05, 2018 3:35 pm
Forum: Personal Investments
Topic: Edward Jones - help
Replies: 38
Views: 3896

Re: Edward Jones - help

Based on the section on Guided Solutions Program fees, there’s a minimum of $10/month or $120/year. If your balance is over $5000, the Program Fee is 1.35% of assets under management. If you had a balance of $10,000 the annual fee would be $135. Yes, it’s unfortunate you are stuck with fees that yo...
by JC565
Fri Jan 05, 2018 10:40 am
Forum: Personal Investments
Topic: Edward Jones - help
Replies: 38
Views: 3896

Re: Edward Jones - help

Can anyone decipher this document? https://www.edwardjones.com/images/guided-solutions-fund-brochure.pdf specifically the section about leaving "guided solutions" I cant tell if that would force me to shut the account entirely, meaning Id also lose my match, Or if I can just opt out of the advisor f...
by JC565
Fri Jan 05, 2018 9:58 am
Forum: Personal Investments
Topic: Edward Jones - help
Replies: 38
Views: 3896

Re: Edward Jones - help

jesus christ... now this guy is giving me a hard time about moving funds into the money market....


im really about to flip on this guy.
by JC565
Thu Jan 04, 2018 6:16 pm
Forum: Personal Investments
Topic: Edward Jones - help
Replies: 38
Views: 3896

Re: Edward Jones - help

EJ is absolutely Horrible. Live and Learn right? I am going to slowly try to pry out how much they are paying for them to manage the company plan. I bet vanguard is much cheaper.
by JC565
Thu Jan 04, 2018 5:40 pm
Forum: Personal Investments
Topic: Edward Jones - help
Replies: 38
Views: 3896

Re: Edward Jones - help

My broker didnt like that email. It went like this.... Me: I would like for you to sell all my assets, and move all current funds and future deposits and match to the Money market him : Wait. what? I dont think my computer will let me do that. I dont think you can do that. Why would you want to do t...
by JC565
Thu Jan 04, 2018 4:39 pm
Forum: Personal Investments
Topic: Edward Jones - help
Replies: 38
Views: 3896

Re: Edward Jones - help

oh.. shyte.. lol. that simple.. I was looking for some digital link to send it. :oops:


This is the document I have.. I think you have to be logged in to open it.

https://personal.vanguard.com/us/ElfPDF ... 5071688308
by JC565
Thu Jan 04, 2018 4:30 pm
Forum: Personal Investments
Topic: Edward Jones - help
Replies: 38
Views: 3896

Re: Edward Jones - help

Just to clarify one last time... I DO NOT need to do anything with the employer documents included in this packet, since my employer will not be contributing to vanguard, but EJ. I have completed the SIMPLE IRA New Acct Form. I just need to figure out where to send it.
by JC565
Thu Jan 04, 2018 3:10 pm
Forum: Personal Investments
Topic: Edward Jones - help
Replies: 38
Views: 3896

Re: Edward Jones - help

Thanks for the help. I will try to get this done in the next couple of days.