Search found 46 matches

by edvest
Thu Oct 10, 2019 11:14 am
Forum: Personal Investments
Topic: Registered Investment Advisers typical fees
Replies: 10
Views: 1143

Re: Registered Investment Advisers typical fees

Wow ^ thanks Paul! :happy
by edvest
Thu Oct 10, 2019 9:09 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1082
Views: 121288

Re: What frugal thing did you do today?

Brown bagging lunch. It's awesome and i feel good afterwards!
by edvest
Thu Oct 10, 2019 8:08 am
Forum: Personal Investments
Topic: Registered Investment Advisers typical fees
Replies: 10
Views: 1143

Re: Registered Investment Advisers typical fees

Thank you Usagi and friends!
by edvest
Thu Oct 03, 2019 5:24 am
Forum: Personal Investments
Topic: Registered Investment Advisers typical fees
Replies: 10
Views: 1143

Re: Registered Investment Advisers typical fees

Thank Usagi! I'm entertaining two different advisors. The one is independent CFA who charges an upfront fee of 3500. for the first year and a touch-up hourly fee each year afterwards. The other owns his own investment company, charges no fee's at all and has no RIA, CFA or other designations. He was...
by edvest
Mon Sep 23, 2019 10:37 am
Forum: Personal Investments
Topic: Registered Investment Advisers typical fees
Replies: 10
Views: 1143

Registered Investment Advisers typical fees

What fee's can I expect to pay to RIA located in the New Jersey area?
by edvest
Fri Apr 12, 2019 6:48 pm
Forum: Personal Investments
Topic: Opening a IRA at ages 64
Replies: 20
Views: 1544

Re: Opening a IRA at ages 64

Thanks guys for all the info and reminders! I bailed. My reasoning: Cramming, as in must act by 14th, older with less of of hope of outdistancing expenses, lengthy corrections, poor portfolio choices that I may make, limited (6.5k 7.0k/year...) funding allowances and questionable finish line tax vin...
by edvest
Fri Apr 12, 2019 12:15 pm
Forum: Personal Investments
Topic: Opening a IRA at ages 64
Replies: 20
Views: 1544

Re: Opening a IRA at ages 64

CFM300 wrote:
Fri Apr 12, 2019 11:13 am
So your current marginal tax rate is probably either 22% or 24%. Any guess as to what your marginal tax rate will be in retirement?
2018 was a bad year for me. I expect to be in the same 22% when i retire.
by edvest
Fri Apr 12, 2019 10:45 am
Forum: Personal Investments
Topic: Opening a IRA at ages 64
Replies: 20
Views: 1544

Re: Opening a IRA at ages 64

CFM300 wrote:
Fri Apr 12, 2019 10:43 am
How much would you save in taxes in 2018 by contributing to an IRA (assuming you are in fact eligible)?

Unless you know that, I don't see how you're going to make a decision.
Maybe $1500 if i only do 6500
by edvest
Fri Apr 12, 2019 9:19 am
Forum: Personal Investments
Topic: Opening a IRA at ages 64
Replies: 20
Views: 1544

Re: Opening a IRA at ages 64

This is like an onion and has me now thinking... Because of my age and the possibility of the forever predicted recession, there's a likelihood I would be very conservative in my ira. In other words most of the money would sit in their cash fund which is paying??? Or bonds or other conservative prod...
by edvest
Fri Apr 12, 2019 8:40 am
Forum: Personal Investments
Topic: Opening a IRA at ages 64
Replies: 20
Views: 1544

Re: Opening a IRA at ages 64

I owe almost $4000.00 to fed and the H&R rep said I could open IRA's for me and my wife and reduce that amount for 2018. The money would come from low paying savings. Do you think this is an advantage at our ages? I assume that since the H&R Block rep was doing your taxes, they're aware that you're...
by edvest
Fri Apr 12, 2019 8:37 am
Forum: Personal Investments
Topic: Opening a IRA at ages 64
Replies: 20
Views: 1544

Re: Opening a IRA at ages 64

I owe almost $4000.00 to fed and the H&R rep said I could open IRA's for me and my wife and reduce that amount for 2018. The money would come from low paying savings. Do you think this is an advantage at our ages? Why not. Tax savings in hand is hard to beat especially if you can keep your AA the s...
by edvest
Fri Apr 12, 2019 7:54 am
Forum: Personal Investments
Topic: Opening a IRA at ages 64
Replies: 20
Views: 1544

Opening a IRA at ages 64

I owe almost $4000.00 to fed and the H&R rep said I could open IRA's for me and my wife and reduce that amount for 2018. The money would come from low paying savings.
Do you think this is an advantage at our ages?
by edvest
Thu Dec 20, 2018 6:21 am
Forum: Personal Consumer Issues
Topic: Fax without a telephone line
Replies: 23
Views: 2510

Re: Fax without a telephone line

Thinking about it, I average about two pages every two years.
The UPS/other fax locations does make the most sense.

Thanks everyone, much appreciated!
by edvest
Tue Dec 11, 2018 7:41 am
Forum: Personal Consumer Issues
Topic: Fax without a telephone line
Replies: 23
Views: 2510

Fax without a telephone line

Is it possible to use my multi function wireless fax machine without a telephone line? Is there a device that can plug into the MFM and transmit directly to a recipient's phone number?

Tu
by edvest
Mon Nov 05, 2018 5:59 am
Forum: Personal Investments
Topic: Bond prices drop but their yields go up??
Replies: 22
Views: 2779

Re: Bond prices drop but their yields go up??

I thought this was my post, not scrapr's?

I'm still not sure if anyone answered my 524% questions.
While maybe not normal for Vanguard, do bond funds really turn over this much, and if so, how is that even possible?

tu
by edvest
Sun Nov 04, 2018 8:58 am
Forum: Personal Investments
Topic: Bond prices drop but their yields go up??
Replies: 22
Views: 2779

Re: Bond prices drop but their yields go up??

Thanks for all the help, and I will be getting Swedroe's book.

Another question:
My 401K offers two bond funds. VTBLX, Vanguard Total Bond Market, and WTRIX Wells Fargo Core Bond.

The first has a turnover rate of 55% while the later is 542%!

Can anyone explain this?

Thanks again!
by edvest
Thu Nov 01, 2018 6:52 am
Forum: Personal Investments
Topic: Bond prices drop but their yields go up??
Replies: 22
Views: 2779

Re: Bond prices drop but their yields go up??

Thanks guys, it seems embarrassingly simple now.
I spent most of life thinking about my industry/job..., maybe not the biggest mistake but a mistake nevertheless.

Thanks again! :happy
by edvest
Thu Nov 01, 2018 6:14 am
Forum: Personal Investments
Topic: Bond prices drop but their yields go up??
Replies: 22
Views: 2779

Bond prices drop but their yields go up??

"Adding to the stock market's anxieties has been a rare simultaneous drop in bond prices that pushed yields near their highest levels in years ." Excerpt page one, today's WSJ 11/1/18, "October's Wild Ride Jolts Investors" Excerpt same story page A10 "Concern that the U.S. economy is on the verge of...
by edvest
Mon Oct 29, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: Tire rotation - low mileage car
Replies: 36
Views: 2068

Re: Tire rotation - low mileage car

I only rotate them every 10K miles, regardless of how many months or years it takes to accumulate that many miles (although, if the tire rotation comes up near an oil change interval, I'll delay or move up one or the other so I can do both on the same day). If you're only putting 5-6K miles/yr on y...
by edvest
Thu Oct 25, 2018 7:23 pm
Forum: Personal Investments
Topic: Sale of Stock-Pfizer
Replies: 9
Views: 614

Re: Sale of Stock-Pfizer

Not enough information given to make an actual valuation call. Sure, one patent is expiring but you fail to mention all of the positive news on new products. Pharma traditionally has long development cycles before coming to market. What about the 20 some-odd trials currently in phase 2 and 3? You a...
by edvest
Thu Oct 25, 2018 7:01 pm
Forum: Personal Investments
Topic: Sale of Stock-Pfizer
Replies: 9
Views: 614

Re: Sale of Stock-Pfizer

1. Lyrica "Last year, Pfizer’s blockbuster medication for nerve and muscle pain netted the company $3.46 billion in sales. Patent protection is scheduled to expire in December, but Pfizer is reportedly working on getting an extension for pediatric exclusivity.." https://www.pharmamanufacturing.com/a...
by edvest
Thu Oct 25, 2018 6:29 am
Forum: Personal Investments
Topic: PNC Stable value fund class z
Replies: 10
Views: 1042

Re: PNC Stable value fund class z

Anyone?
by edvest
Thu Oct 25, 2018 5:52 am
Forum: Personal Investments
Topic: PNC Stable value fund class z
Replies: 10
Views: 1042

Re: PNC Stable value fund class z

Do you think I should move my bond balances into my stable fund?
by edvest
Wed Oct 24, 2018 7:25 pm
Forum: Personal Investments
Topic: PNC Stable value fund class z
Replies: 10
Views: 1042

Re: PNC Stable value fund class z

I found a pdf it's states "Annualized Performance" 2q/18 .49%, YTD .93%, 1Y1.80%, 3Y 1.59%, 5Y 1.55%, 10Y 2.06%. Which is no where near your 2. 5%. My Well Fargo Core Bond is YTD -1.64%, 3M .06%, 1Y -1.35%, 3Y 1.37%, 5Y 2.28%, 10Y N/A, Vanguard Total Bond Market Index isn't much better. I'm in my ea...
by edvest
Wed Oct 24, 2018 6:57 pm
Forum: Personal Investments
Topic: PNC Stable value fund class z
Replies: 10
Views: 1042

Re: PNC Stable value fund class z

Thanks Weld, I'm 55% in two bonds funds which seem to keep going down. Do think I should move some into stable?
by edvest
Wed Oct 24, 2018 6:22 pm
Forum: Personal Investments
Topic: PNC Stable value fund class z
Replies: 10
Views: 1042

PNC Stable value fund class z

PNC STABLE VALUE FUND - CLASS Z, is in the lineup of 401k funds available for me to invest in, but morningstar/others don't seem to have any analysis on it.

Any reason why?

It seems to be doing better than the Wells Fargo Core Bond and Vanguard Total Bond Market Index Funds I'm in.

Tu
by edvest
Wed Oct 24, 2018 6:24 am
Forum: Personal Investments
Topic: I-bonds or CDs
Replies: 10
Views: 2250

Re: I-bonds or CDs

First of all, 3% for a 5-year CD is not a good rate. Brokered CDs yield as much as 3.5% for 5 years. Besides that, if he amount of money is significant, I would not want to put it all into a 5-year CD. What if rates are much lower 5 years from now when you want to reinvest? I would suggest dividing...
by edvest
Mon Oct 22, 2018 6:06 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 28079

Re: PSA: Don't buy a big house

We had to live in one of those "things" for close to eight years. We froze every winter, the high ceilings are where all the heat goes, the millions of windows are all crap, the furnace never stops running and you never have exposed skin. We're now in a cozy ranch and can walk around in shorts in th...
by edvest
Mon Oct 22, 2018 5:49 am
Forum: Personal Investments
Topic: American Century Small Cap ASVIX
Replies: 16
Views: 896

Re: American Century Small Cap ASVIX

pkcrafter wrote:
Sun Oct 21, 2018 8:14 pm

I doubt any Boglehead would think it's a good fund. ER of 1.26%. About the same returns as Vanguard small value, but more volatility.
Forgive my lack of know-how, but where did you find the ER 1.26% ? (Are you referring to price/earning ratio?)

Tu!
by edvest
Sun Oct 21, 2018 9:12 pm
Forum: Personal Consumer Issues
Topic: Do I need to buy laptop software?
Replies: 32
Views: 2936

Re: Do I need laptop software?

What exactly do you do with these workstations? Write letters in ms word, internal email with ms outlook on the workstations and ms exchange, which holds the mail on the server, a man'f application, some excel and old paradox databases. What usually happens is the server dies and the vender comes i...
by edvest
Sun Oct 21, 2018 8:46 pm
Forum: Personal Investments
Topic: American Century Small Cap ASVIX
Replies: 16
Views: 896

Re: American Century Small Cap ASVIX

My 401k has Vanguard Admiral 500 index fund. VFIAX
It's the only index fund they offer, the rest are 11 american fund target funds, two bonds and ten other assorted growth funds.

Is it a good fund. Do you think I should my american century into it.
by edvest
Sun Oct 21, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: Do I need to buy laptop software?
Replies: 32
Views: 2936

Re: Do I need laptop software?

Alexa9 wrote:
Sun Oct 21, 2018 6:30 pm
Linux: simple, customizable, works great on old hardware (might put on your old laptop)
We have a ms server with exchange and 15 workstations. Could I use Linux to replace MS? The network has, and does not need any internet/cloud connection.

Tu, Tennisplyr, Alexa and all!
by edvest
Sun Oct 21, 2018 7:43 pm
Forum: Personal Investments
Topic: American Century Small Cap ASVIX
Replies: 16
Views: 896

American Century Small Cap ASVIX

Do you think this is a good fund?
by edvest
Sun Oct 14, 2018 6:46 pm
Forum: Personal Consumer Issues
Topic: Making Winter Camping more comfortable
Replies: 39
Views: 2921

Re: Making Winter Camping more comfortable

Have you considered cartop camping? I haven't. What are the benefits instead of just putting a tent on the ground? Easy setup, nice flat sleeping surface every night and no worries of flooding and mud. They are more expensive. The html I posted was for just the entrance, expect to pay around $1800+.
by edvest
Sun Oct 14, 2018 6:23 am
Forum: Personal Consumer Issues
Topic: Making Winter Camping more comfortable
Replies: 39
Views: 2921

Re: Making Winter Camping more comfortable

Toons wrote:
Sat Oct 13, 2018 7:23 pm
I use a Propane Heater
Inside.
The vehicle
:mrgreen:
Unless there's some sort of new technology out there that I don't know about: NEVER burn anything inside a car! You'll die!

https://www.lifewire.com/using-portable ... ars-534787
by edvest
Sun Oct 14, 2018 6:16 am
Forum: Personal Consumer Issues
Topic: Making Winter Camping more comfortable
Replies: 39
Views: 2921

Re: Making Winter Camping more comfortable

Just car camping for now. When you do start to backcountry, and in addition to 3504's/others great tips ^... While you may not know it now, your biggest goal of backcountry camping isn't staying entertained, it's coming back alive. Imo, cool wet early spring weather is more dangerous than consisten...
by edvest
Sat Oct 13, 2018 8:42 pm
Forum: Personal Consumer Issues
Topic: Making Winter Camping more comfortable
Replies: 39
Views: 2921

Re: Making Winter Camping more comfortable

Will you always be camping within a short distance to your suv, or will you be in the backcountry for days?
by edvest
Thu Oct 11, 2018 11:22 am
Forum: Forum Issues and Administration
Topic: How to contact an Administrator
Replies: 8
Views: 1641

Re: How to contact an Administrator

Thanks, but now I have messages to LadyGeek and Tashina both sitting in my Outbox. (This is after clicking Submit)

Is there something I need to do to get them to leave the Outbox?
by edvest
Thu Oct 11, 2018 9:53 am
Forum: Forum Issues and Administration
Topic: How to contact an Administrator
Replies: 8
Views: 1641

How to contact an Administrator

I tried sending a private message to Tashina, and it said message sent, but it's not in the Sent folder.

I need to make a major change to my account.
by edvest
Wed Oct 10, 2018 9:44 pm
Forum: Personal Investments
Topic: Annuities
Replies: 12
Views: 1132

Re: Annuities

Wow guys, I'm overwhelmed.
It sounds like my instincts were right. I'll steer clear and keep studying.

Thanks again! :beer
by edvest
Wed Oct 10, 2018 9:29 pm
Forum: Forum Issues and Administration
Topic: My threads or posts.
Replies: 6
Views: 1019

Re: My threads or posts.

Got it..., Thanks you!
by edvest
Wed Oct 10, 2018 6:56 am
Forum: Personal Investments
Topic: Annuities
Replies: 12
Views: 1132

Annuities

Last year, while renewing a CD a my local bank I offered up my annual gripe about the interest. She told me I was in luck that their bank's annuity guy here that day. After an hour of promises of super high rates, his notes scribbled all over a paper and a handful of papers I left excited but confus...
by edvest
Wed Oct 10, 2018 6:34 am
Forum: Forum Issues and Administration
Topic: My threads or posts.
Replies: 6
Views: 1019

My threads or posts.

Is there a way to see all my threads/posts at once? Tu
by edvest
Tue Oct 09, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: Death Valley Trip Recommendations?
Replies: 19
Views: 1367

Re: Death Valley Trip Recommendations?

In the southwest, visitors/hikers from none arid areas of the world die from dehydration and heat all year round. You lose water AND electrolytes even while sleeping in a hotel. (No visible sweat... ever!) Drink water day and night and eat normal, hearty meals. It takes weeks if not months to become...
by edvest
Mon Oct 08, 2018 7:20 pm
Forum: Personal Consumer Issues
Topic: roof leak thread
Replies: 7
Views: 947

Re: roof leak thread

I have separate heating/AC systems in my ranch style home. The A/C, with all it's ducts and tubes are in the attic. Two years ago, on the onset of winter, I forgot to close one of the little round vents in the bathroom. Warm air rose up into the system through that vent and condensed on the inside o...
by edvest
Mon Oct 08, 2018 6:46 pm
Forum: Personal Investments
Topic: American Funds by Capital Group
Replies: 6
Views: 795

American Funds by Capital Group

My company just changed our 401k over to American Funds by Capital Group

I never heard of them before that, and 15 out of the thirty or so choices we get are target funds.
Do you think they are a good company?