Search found 139 matches

by Bronco Billy
Tue Aug 20, 2019 12:04 pm
Forum: Personal Investments
Topic: Fidelity SMAs and Local Offices
Replies: 5
Views: 252

Re: Fidelity SMAs and Local Offices

This Thread might answer some of your questions. He told me they were GREAT but could never give me any results for the SMA. viewtopic.php?f=10&t=286559
by Bronco Billy
Mon Aug 19, 2019 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Discover cash back Credit Card - Interest charges
Replies: 32
Views: 1406

Re: Discover cash back Credit Card - Interest charges

I did get nailed once because I Broken Man 1999 Once many years ago when i moved the bill got lost in the mail and was charged interest and fee for missing a payment. I called in and explain the situation to Discover and they reviewed my account and waved the charges. Discover card is all i carry b...
by Bronco Billy
Mon Aug 19, 2019 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Discover cash back Credit Card - Interest charges
Replies: 32
Views: 1406

Re: Discover cash back Credit Card - Interest charges

I would also agree must be some misunderstanding on this. I just open, paid my invoice and it shows Zero paid in interest, Zero paid in fees for the YEAR.
by Bronco Billy
Thu Aug 15, 2019 5:53 pm
Forum: Personal Investments
Topic: Beginner 4 fund etf portfolio
Replies: 6
Views: 501

Re: Beginner 4 fund etf portfolio

I always liked investing in dividend stock Thanks I know the feeling but here @ BH they just don't like them. :( Their 3 fund is a boring but a safe way to handle your money. I also think you need to live and have some fun. :happy Just don't get to carried away. I cant get SCHD free so i am looking...
by Bronco Billy
Wed Aug 07, 2019 9:29 pm
Forum: Personal Investments
Topic: Rollover to Vanguard or Fidelity?
Replies: 32
Views: 1894

Re: Rollover to Vanguard or Fidelity?

Not advocating for 401k or IRA. My main point was that you might not have to move out of the 401k if you didn’t want to. Thank you for your input. I was not aware of the Roth point you brought up. I made my decision to get access to more (better) funds, could not add to the 401 and i had to finally...
by Bronco Billy
Wed Aug 07, 2019 7:45 pm
Forum: Personal Investments
Topic: Rollover to Vanguard or Fidelity?
Replies: 32
Views: 1894

Re: Rollover to Vanguard or Fidelity?

HomeStretch wrote:
Wed Aug 07, 2019 7:22 pm
Are you sure you “have to” move your 401k? Some companies allow former employees to remain in their 401k plans.
HomeStretch .. What advantage do you see leaving it in a 401k? I might have missed something but I didn't see that big of benefit leaving it in the 401k.
by Bronco Billy
Tue Jul 30, 2019 6:20 am
Forum: Investing - Theory, News & General
Topic: My Fido retirement meeting pushing me to SMA
Replies: 81
Views: 6031

Re: My Fido retirement meeting pushing me to SMA

OP, you need to worry a lot less about a sales pitch from Fidelity and a lot more about what the criminals at EJ are already stealing from you......... and Stayshot i buy annuities also. Here are my last 4 years at EJ. 2016 6.73% 2017 24.32% 2018 -6.51% YTD 2019 18.82%. *It started out at 155k and ...
by Bronco Billy
Sun Jul 28, 2019 6:44 pm
Forum: Investing - Theory, News & General
Topic: Marcus has "No Penalty CD" @ 2.35%
Replies: 9
Views: 1073

Re: Marcus has "No Penalty CD" @ 2.35%

greg24 wrote:
Sun Jul 28, 2019 6:31 pm
Vanguard Prime Money Market is yielding 2.27%.
but its not FDIC insured for what that's worth.
by Bronco Billy
Sun Jul 28, 2019 4:13 pm
Forum: Investing - Theory, News & General
Topic: Marcus has "No Penalty CD" @ 2.35%
Replies: 9
Views: 1073

Marcus has "No Penalty CD" @ 2.35%

Marcus has a No-Penalty CD, you get the power to earn a competitive fixed rate, plus the flexibility to withdraw your full balance if you need it beginning 7 days after funding. It is for only 13 months.

https://www.marcus.com/us/en/savings/no-penalty-cds
by Bronco Billy
Fri Jul 26, 2019 1:44 pm
Forum: Investing - Theory, News & General
Topic: My Fido retirement meeting pushing me to SMA
Replies: 81
Views: 6031

Re: My Fido retirement meeting pushing me to SMA

Thanks for all the responses. No I didn't take a IPS with me since i had to look up what it was. :happy The main reason i went to see them i wanted to know the benefit for leaving my funds in a 401k or making a IRA. I will be moving it to a IRA. He could not even tell me what kind of returns the SMA...
by Bronco Billy
Thu Jul 25, 2019 7:29 pm
Forum: Investing - Theory, News & General
Topic: My Fido retirement meeting pushing me to SMA
Replies: 81
Views: 6031

My Fido retirement meeting pushing me to SMA

I just retired and my company 401k is with Fido. I have other accounts at VG and EJ. Most of my fixed are in annuities, savings and CD. I have already ran off one FA. I don't mind playing in the market but maybe looking at consolidating my accounts to make it easier for my wife. I called and setup m...
by Bronco Billy
Thu Jul 25, 2019 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Any good free money promotions from a bank or brokerage this month? (July 2019)
Replies: 7
Views: 1168

Re: Any good free money promotions from a bank or brokerage this month? (July 2019)

I just signed up for a Citi bank bonus that seems to be better: $400 for depositing $15k for 60 days, an additional $100 for 2 direct deposits = $500 total. Im pretty sure its a high yield (2.15%+) account as well. I think this is a Checking account. Would saving accounts not be better? I posted th...
by Bronco Billy
Thu Jul 25, 2019 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)
Replies: 95
Views: 11606

Re: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)

WARNING... You may want to Check your account Like DaftInvestor explains above to make sure you see the line under the account type that shows "Active Offers": 1% Bonus. Mine did not and i called Marcus. After a 45 minute phone call it seems there was a glitch and my account was not linked to the n...
by Bronco Billy
Tue Jul 23, 2019 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)
Replies: 95
Views: 11606

Re: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)

Drill into the account you used to sign up for the bonus. Under "account details" I see lines that show the account number, routing number, account type, and then a line that says "Active Offers: 1% bonus. Details". If I click on the word "Details" it shows a nice timeline of all the steps involved...
by Bronco Billy
Tue Jul 23, 2019 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)
Replies: 95
Views: 11606

Re: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)

I just signed up. I immediately got an email confirmation and when I go back into the account I can see it is earmarked as having a 1% Offer on the account (and when I click on it I see a nice graphic showing all the key dates). Can i ask where or what you clicked to see this information? I don't s...
by Bronco Billy
Tue Jul 23, 2019 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)
Replies: 95
Views: 11606

Re: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)

I just signed up. I immediately got an email confirmation and when I go back into the account I can see it is earmarked as having a 1% Offer on the account (and when I click on it I see a nice graphic showing all the key dates). Can i ask where or what you clicked to see this information? I don't s...
by Bronco Billy
Mon Jul 22, 2019 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)
Replies: 95
Views: 11606

Re: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)

I setup and funded my acct last night. It was almost too easy. It didn't say you needed to do anything but thought I would check and see if you get any notice about the bonus.

Ps.. thanks for sharing!!
by Bronco Billy
Sun Jul 21, 2019 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)
Replies: 95
Views: 11606

Re: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)

uberdoc wrote:
Fri Jul 19, 2019 6:43 pm
I transferred directly from vanguard treasury money market to marcus for this promotion. I had linked my Marcus account with vanguard already.
Do you link it with Marcus like VG? Just trying to figure out how to send them the money.

Thanks,BB
by Bronco Billy
Sun Jul 21, 2019 8:13 am
Forum: Personal Investments
Topic: What percentage of Vanguard
Replies: 27
Views: 1873

Re: What percentage of Vanguard

Leave EJ... Absolutely leave Edward Jones. Both Vanguard and Fidelity are excellent; Vanguard is my choice. Stinky you know i trust your input more than most. To be honest my ED account is really been doing pretty good. I would like to know if there are some hidden fees i don't know about but don't...
by Bronco Billy
Sun Jul 21, 2019 7:46 am
Forum: Personal Investments
Topic: What percentage of Vanguard
Replies: 27
Views: 1873

Re: What percentage of Vanguard

+1 the above responses You say you retired, but did not share your age. $ in 401k is accessible penalty free at 55. You may want to wait to rollover the 401k until after reaching 59.5. Will be 66 next month. Thanks to ALL for the input. I see several with the Same concerns as me. Just trying to fig...
by Bronco Billy
Sat Jul 20, 2019 12:40 pm
Forum: Personal Investments
Topic: What percentage of Vanguard
Replies: 27
Views: 1873

Re: What percentage of Vanguard

Have you looked at the fees for your Fidelity and EJ accounts? Your EJ (if Edward Jones) costs are probably higher than your Fidelity costs (assuming this is not an advisor managed account). If so, I would prioritize first moving the EJ account to Vanguard or Fidelity (if not an advisor managed acc...
by Bronco Billy
Sat Jul 20, 2019 11:49 am
Forum: Personal Investments
Topic: What percentage of Vanguard
Replies: 27
Views: 1873

What percentage of Vanguard

mutual funds and ETF are in your Vanguard accounts? My VG accounts are in 100% Vanguard funds. In my Fidelity account I have 51% in Fido funds. The EJ account is 65% American and 20% Franklin Funds. I just retired and trying to decide if i should move my Fido 401k to VG.

Thanks,
BB
by Bronco Billy
Fri Jul 19, 2019 6:40 am
Forum: Personal Investments
Topic: Edward J rep is not answering my Questions
Replies: 63
Views: 9549

Re: Edward J rep is not answering my Questions

Thanks for the quick replies. 10 or so holdings. Each with 4.25 and higher loads. MRGAX 5.75% load & 42% turnover, MFBFX 4.25% load & 38% turnover, MACFX 5.75% load & 6% turnover ok. Plus 6 or so more that I consider trash. I guess no investment is trash, unless it’s one where any profit is eaten b...
by Bronco Billy
Wed Jul 10, 2019 9:49 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 350
Views: 44720

Re: Roll Call for the Retirement Class of 2019!

I have filled out my last Time Sheet ending on July 12 but my last day will be Thursday July 11. Giving me one more FREE day. My boss is coming up Tomorrow to get my keys, Credit cards and Laptop. Been in the Oil and Gas just 3 months shy of 46 years. I have had a GREAT job for the last 13 years. I ...
by Bronco Billy
Wed Jul 03, 2019 3:04 pm
Forum: Personal Investments
Topic: Schwab CFP meeting and feedback
Replies: 30
Views: 3080

Re: Schwab CFP meeting and feedback

I am sorry i didnt read the complete thread before i posted. Maybe i should delete my comments and start a new thread. We meet with a Fidelity equivalent next week. We will likely decide on going all with one agency. I had a meeting with FIDO Monday. He was not a CFP ..was not nothing but been doin...
by Bronco Billy
Mon Jun 24, 2019 7:55 pm
Forum: Personal Investments
Topic: Annuity experts ..Asking ur input on Settlement options
Replies: 1
Views: 322

Annuity experts ..Asking ur input on Settlement options

I got my letter from Sentinel on my personal choice 5 year MYGA annuity. I have 30 days without any surrender charges to make a decision on going forward. I will be 66 in August and my last day of work will be July 12. I purchased this for $176k. Its paying 3.12% and will be worth $205 the end of Ju...
by Bronco Billy
Thu Jun 20, 2019 7:24 am
Forum: Personal Consumer Issues
Topic: SoClean for Cpap machine
Replies: 10
Views: 1000

Re: SoClean for Cpap machine

This is why i like this place.. you get people that tell it like it is. I told my wife if SoClean was that good the insurance company would pay for it. When I retire next month I need to put cleaning the cpap on the list.
by Bronco Billy
Thu Jun 20, 2019 6:26 am
Forum: Personal Consumer Issues
Topic: SoClean for Cpap machine
Replies: 10
Views: 1000

SoClean for Cpap machine

Anyone out there using the SoClean machine? Been using cpap machine for several years. A lot of I morning I wake up hacking and coughing up clear phlegm. I am not so good in cleaning my cpap. My wife is a RN and does clean my cpap and would like me to get one. Wanted to here any results good or bad ...
by Bronco Billy
Thu Jun 06, 2019 11:42 pm
Forum: Personal Investments
Topic: How to factor an Annuity into a 3-portfolio approach/allocation
Replies: 14
Views: 978

Re: How to factor an Annuity into a 3-portfolio approach/allocation

I would also like to know the name of the annuity. My Ex FA also bought me annuities and i consider them as safe money. I made my annuities house accounts and took control of all three. I didnt want him to get anymore of my money.
by Bronco Billy
Sat Jun 01, 2019 12:47 pm
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 126
Views: 10583

Re: How did you all do in the month of May, 2019

yousha wrote:
Fri May 31, 2019 8:54 pm
My portfolio was down 50k.
My question to you was how did you do in January 2019?
by Bronco Billy
Thu May 30, 2019 2:11 pm
Forum: Personal Consumer Issues
Topic: Hyundai Sonata for college.
Replies: 31
Views: 2128

Re: Hyundai Sonata for college.

When you expect your kids to be upfront and honest with you what kind of example am I for not keeping my word. I see my problem i should have been asking about this several years ago before i made that promise. I now understand what everyone is saying and have to agree but feel its more important to...
by Bronco Billy
Wed May 29, 2019 10:26 pm
Forum: Personal Consumer Issues
Topic: Hyundai Sonata for college.
Replies: 31
Views: 2128

Re: Hyundai Sonata for college.

It would be good for your daughter to try driving several cars to see which she feels more comfortable in. If she is small, large, tall, left handed, etc some cars will just fit better than others. Be sure to get quotes on car insurance for the different models you are considering, it can vary a lo...
by Bronco Billy
Wed May 29, 2019 9:53 am
Forum: Personal Consumer Issues
Topic: Hyundai Sonata for college.
Replies: 31
Views: 2128

Re: Hyundai Sonata for college.

I must admit she is spoiled. She has done very well in HS (Salutatorian) and kinda of promised her a new car when she graduated. She has got a few thousand in scholarships but we will also have to help out. With all that being said several have brought up very good points about just being park outsi...
by Bronco Billy
Wed May 29, 2019 6:27 am
Forum: Personal Consumer Issues
Topic: Hyundai Sonata for college.
Replies: 31
Views: 2128

Hyundai Sonata for college.

Looking at car for daughter going to college. It's a few thousand less than Accord and Camry and seems to offer a lot more options.
by Bronco Billy
Tue May 14, 2019 6:19 am
Forum: Personal Investments
Topic: Social security should you take early if you don’t need the money?
Replies: 24
Views: 2893

Re: Social security should you take early if you don’t need the money?

I will start my SS in a couple of months at 66. My health is not so great and figured to take it now. I don't know if that's the right decision but the one i made.
by Bronco Billy
Sun May 12, 2019 9:24 pm
Forum: Personal Investments
Topic: Best interest bearing savings account?
Replies: 28
Views: 3451

Re: Best interest bearing savings account?

Discover Savings is only paying 2.10% but they have bonus money up to $200 if you open an account before 6/3/19. CD rates are 2.65 but no bonus money. https://www.discover.com/online-banking/savings-lng-04/?TPR=070&cmpgnid=ps-bk-ggl-bndOSAnonpromo&src=MG19&van=Dbank&gclid=CjwKCAjwiN_mBRBBEiwA9N-e_qw...
by Bronco Billy
Tue May 07, 2019 9:50 pm
Forum: Personal Investments
Topic: I tried to fire my financial advisor of 12 years today...
Replies: 127
Views: 14126

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

I have an inherited account with EJ that was my dads. I get RMD off it and have left it with EJ FA. Its about 10% percent of my worth. Its got the high front end load American funds. To be honest it has kept up with the RMD taken for the last four years. The FA was nice to my dad and having to mess ...
by Bronco Billy
Mon Apr 29, 2019 6:43 pm
Forum: Personal Investments
Topic: What is your favorite Dividend Growth ETF
Replies: 5
Views: 683

Re: What is your favorite Dividend Growth ETF

I have been also looking for one Dividend fund ...How about SPHD or DGRW? Looks like i need to check out DGRO.
by Bronco Billy
Sun Apr 28, 2019 11:57 am
Forum: Personal Investments
Topic: Why buy period certain annuity?
Replies: 13
Views: 1191

Re: Why buy period certain annuity?

I just checked. Schwab has 10 year CD's paying 3.05. It has 5 year CD's paying 2.75. Both of those rates are more than what I will received if I annuitize the money for 5 years or 10 years and I get the principal back. Not sure what annuities you are looking at but how about 4% for 5 years? Maybe 1...
by Bronco Billy
Sun Apr 28, 2019 10:22 am
Forum: Personal Investments
Topic: Why buy period certain annuity?
Replies: 13
Views: 1191

Re: Why buy period certain annuity?

I ran calculations today for a 65 year old male for 10 years. On a 50k purchase , over then years you would only receive about $6700.00 more over ten years. That is less than $675.00 a year " return". Yes I know that an annuity is not an investment but it would seem to me that a person can do somet...
by Bronco Billy
Mon Apr 22, 2019 8:17 pm
Forum: Personal Investments
Topic: Annuity
Replies: 4
Views: 575

Re: Annuity

You may want to contact the Vanguard annuity dept. about doing a 1035 exchange into one of VG annuity. Not knowing your details but this might help you with the TAXES if you just sell it. I believe VG has some annuitys that are like being in a fund.
by Bronco Billy
Thu Apr 18, 2019 7:38 pm
Forum: Investing - Theory, News & General
Topic: American Funds vs Vanguard
Replies: 69
Views: 4854

Re: American Funds vs Vanguard

I have EJ inherited IRA funded with AF. They had load fees when purchased and ER are kind of high. EJ showed in the last 4 years they are up an average 6% to 9.5%. They have been keeping up with my DADs RMD. I am also a BIG fan of VFIAX and it has also done well. I believe my AF might have been doin...
by Bronco Billy
Wed Apr 17, 2019 12:18 am
Forum: Investing - Theory, News & General
Topic: What is your one favorite fixed income for retirement?
Replies: 46
Views: 6677

Re: What is your one favorite fixed income for retirement?

teacher wrote:
Tue Apr 16, 2019 10:00 am
Our favorite fixed is a Stable Value fund.
Can you tell me more about this fund? I googled Stable Value fund and it showed TIAA has a Stable fund and the interest was like 2%. Is this what you are talking about?
by Bronco Billy
Mon Apr 15, 2019 9:13 pm
Forum: Investing - Theory, News & General
Topic: What is your one favorite fixed income for retirement?
Replies: 46
Views: 6677

Re: What is your one favorite fixed income for retirement?

Paisley wrote:
Mon Apr 15, 2019 8:42 pm
If you are old school and have the stomach for it: dividends from individual stocks.
I do want to think a little outside of the box.. never really played with stocks but have looked at VYM and SPHD.
by Bronco Billy
Mon Apr 15, 2019 1:29 pm
Forum: Investing - Theory, News & General
Topic: What is your one favorite fixed income for retirement?
Replies: 46
Views: 6677

What is your one favorite fixed income for retirement?

I am getting close to retiring in the next couple of months. Most of my life i been on the Warren Buffet plan in the S&P 500 and making money. Its been good and have a couple of annuities, CD and cash in the MM. With you're help i would like to see what other options people are using once they do re...
by Bronco Billy
Sat Apr 06, 2019 2:24 pm
Forum: Personal Consumer Issues
Topic: What happens if I put more than 30 bills into ATM?
Replies: 21
Views: 2740

Re: What happens if I put more than 30 bills into ATM?

andypanda wrote:
Fri Apr 05, 2019 5:45 am
You can put money into an ATM? It never crossed my mind. :oops:
My thoughts also...I am only getting money out of a ATM.
by Bronco Billy
Thu Apr 04, 2019 1:52 pm
Forum: Investing - Theory, News & General
Topic: I hate bonds
Replies: 116
Views: 13680

Re: I hate bonds

RetiredArtist wrote:
Wed Mar 27, 2019 1:12 pm
Nisiprius, I am bookmarking your fantastic explanation- thanks.
How do you bookmark it?
by Bronco Billy
Tue Apr 02, 2019 6:55 am
Forum: Investing - Theory, News & General
Topic: Any Insurance Products better than the Stock Market?
Replies: 22
Views: 1824

Re: Any Insurance Products better than the Stock Market?

Don’t believe them. For example, gains on annuities are taxed at ordinary income rates, while gains and dividends on stocks are generally taxed at lower rates. Stinky, How are MF that are funded buy Dividend stocks taxed at? Getting ready to retire and trying to figure what to use ..never been a fa...
by Bronco Billy
Mon Apr 01, 2019 7:07 pm
Forum: Personal Consumer Issues
Topic: Do any of you have a fear of changing jobs?
Replies: 73
Views: 4788

Re: Do any of you have a fear of changing jobs?

Yes going from working to retired very soon. Not sure how well i will like it.
by Bronco Billy
Thu Mar 14, 2019 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Helping my mother choose an annuity
Replies: 10
Views: 1109

Re: Helping my mother choose an annuity

There are some real experts on here but have you checked with Vanguard about a SPIA? It might make sense to do a 1035 exchange. They claim to be the lowest price and no surrender charges if you leave early. They really push VA but i believe you can also get SPIA from them.