Search found 649 matches

by EyeYield
Sat Feb 16, 2019 3:32 pm
Forum: Personal Consumer Issues
Topic: Medicare Fraud?
Replies: 25
Views: 1959

Re: Medicare Fraud?

I suspect that a recent call to my wife may have been an attempt at Medicare fraud..... we mailed it off... Am I understanding this correctly? You suspected fraud, but sent them a saliva sample anyway? If I get a call where they are trying to take advantage of me I always make them regret it. So yo...
by EyeYield
Mon Feb 04, 2019 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: No longer can cash Savings bonds in bank branches?
Replies: 21
Views: 1820

Re: No longer can cash Savings bonds in bank branches?

One reason I’m leaving Bank of America is that they changed their policy and now will only redeem 7 EE Bonds at a time, which means unnecessarily waiting in line several times a year. Chase will redeem as many as I want. Chase told me there are only 20 spaces for bonds per screen, but that opening ...
by EyeYield
Wed Jan 16, 2019 9:23 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 49418

Re: John Bogle is dead at 89

There’s a giant hole in the universe today.

Thanks for everything Mr Bogle.

Rest In Peace.
by EyeYield
Wed Jan 16, 2019 10:23 am
Forum: Personal Consumer Issues
Topic: Swimming, do you? Advice sought.
Replies: 32
Views: 2394

Re: Swimming, do you? Advice sought.

I swim 4000 yards every other day and plank on my off days - life in the prone lane due to knee and back problems. A few years ago I had a cervical spine injury and found that turning my head to breathe was a real pain in the neck. Solution, snorkel. After some trial and error, I found that the Mich...
by EyeYield
Wed Jan 09, 2019 8:55 pm
Forum: Investing - Theory, News & General
Topic: Fell in Love with Fidelity
Replies: 60
Views: 6301

Re: Fell in Love with Fidelity

It turns out you are right, there’s no way for an individual to set his or her own limits. The first rep I talked to was wrong; many apologies from Fidelity. I’m glad I followed up on this, so thanks. I went deep into this, having been connected to Elan Financial Services, whom Fidelity outsources ...
by EyeYield
Wed Jan 09, 2019 3:39 pm
Forum: Investing - Theory, News & General
Topic: Fell in Love with Fidelity
Replies: 60
Views: 6301

Re: Fell in Love with Fidelity

Fidelity has been great for me. So much that I'm moving my IRA's to Fidelity (moving Roth, rolling SEP into SE 401(k), moving wife's Roth/trad IRA for non-deductible contributions). Plan on opening an IRA for non-deductible contributions and Roth conversion mid-year. I've heard some so so things ab...
by EyeYield
Tue Jan 08, 2019 9:30 pm
Forum: Investing - Theory, News & General
Topic: Fell in Love with Fidelity
Replies: 60
Views: 6301

Re: Fell in Love with Fidelity

Fidelity has been great for me. So much that I'm moving my IRA's to Fidelity (moving Roth, rolling SEP into SE 401(k), moving wife's Roth/trad IRA for non-deductible contributions). Plan on opening an IRA for non-deductible contributions and Roth conversion mid-year. I've heard some so so things ab...
by EyeYield
Tue Nov 20, 2018 10:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10240
Views: 1807668

Re: U.S. stocks in freefall

Some perspective. Two years ago the Dow was at 18,956. Today’s close was 24,465. That’s a 29% gain in two years. If it drops another 15% we will have, oh dear me, a pretty close to normal 7% gain per year - plus dividends over the past two years. To build wealth over the long term you WILL have to g...
by EyeYield
Sat Nov 10, 2018 11:26 am
Forum: Investing - Theory, News & General
Topic: This man can predict when bubbles burst: time to time the market?
Replies: 145
Views: 10904

Re: This man can predict when bubbles burst: time to time the market?

Generally in life, you only need to be born right once in regards to high stakes financial stuff, and you're set. Get it right once, and you may stop right there. Unless of course, slugging away for 40 years as a hamster-on-a-wheel to then live on 70% of what you just got by on is preferable. Not t...
by EyeYield
Wed Nov 07, 2018 9:19 pm
Forum: Investing - Theory, News & General
Topic: This man can predict when bubbles burst: time to time the market?
Replies: 145
Views: 10904

Re: This man can predict when bubbles burst: time to time the market?

Maybe you could help me out and point me to anywhere that he mentions he ever invested a dime of his own money. That would bepertinent. he says it here, https://www.youtube.com/watch?v=7jncWyx3I94 and adds that banks are using his forecasts, but does not go into details. He said, paraphrasing, “dur...
by EyeYield
Wed Nov 07, 2018 9:02 pm
Forum: Investing - Theory, News & General
Topic: This man can predict when bubbles burst: time to time the market?
Replies: 145
Views: 10904

Re: This man can predict when bubbles burst: time to time the market?

Maybe you could help me out and point me to anywhere that he mentions he ever invested a dime of his own money. That would be pertinent. Science and your brain is one thing, but your money and your brain is quite another. I would be far more interested in how he behaves than in how he thinks - when...
by EyeYield
Wed Nov 07, 2018 11:08 am
Forum: Investing - Theory, News & General
Topic: This man can predict when bubbles burst: time to time the market?
Replies: 145
Views: 10904

Re: This man can predict when bubbles burst: time to time the market?

Contrary to Fama's postulate that bubbles do not exist because of EMH, Didier Sornette shows that they do, and he apparently can predict when they burst (in this video he says he predicted the time the stock market crashed in China): https://www.ted.com/talks/didier_sornette_how_we_can_predict_the_...
by EyeYield
Sun Nov 04, 2018 9:18 pm
Forum: Personal Investments
Topic: Total cost of Vangaurd ETFs when buying from Fidelity
Replies: 25
Views: 1030

Re: Total cost of Vangaurd ETFs when buying from Fidelity

You can buy ETFs that correspond to Vanguard’s low cost index ETFs at Fidelity by using the commission free iShares from BlackRock.
https://www.fidelity.com/bin-public/060 ... e-ETFs.pdf
by EyeYield
Fri Oct 19, 2018 11:06 am
Forum: Investing - Theory, News & General
Topic: Why Did Morningstar Eliminate Money Market Ticker Symbols?
Replies: 5
Views: 370

Re: Morningstar Not Displaying Money Market Quotes?

Thanks for the verification. The quote pages used to be an easy way to compare 7 day yield’s between MM funds, but no more.
I wonder why just MM ticker symbols have been removed?
There are many other places to get that info, but I always trusted M* to be accurate and use it for other things anyway.
by EyeYield
Thu Oct 18, 2018 9:53 pm
Forum: Investing - Theory, News & General
Topic: Why Did Morningstar Eliminate Money Market Ticker Symbols?
Replies: 5
Views: 370

Why Did Morningstar Eliminate Money Market Ticker Symbols?

Anybody know?

Enter a ticker symbol for a MM Fund and you’ll get this.
“Not Found
The requested URL /money-market/quote was not found on this server.”
by EyeYield
Wed Oct 17, 2018 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 17190

Re: Where would you go for financial guidance if you win the Megamillions?

I would have absolutely none of the problems imagined by the OP. I have a plan in place for this type of windfall. Call Jack Bogle and offer my proposal to build an educational system, from K-12 on up to a four year university and grad school, that incorporated the Bogle principles into all the othe...
by EyeYield
Mon Oct 15, 2018 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to California
Replies: 49
Views: 4344

Re: Relocation to California

My wife recently met her biological family who lives in the San Fernando Valley. In order for her to be closer to them and get to know them, we are thinking of relocating from Dallas to that area of California in about a year. My wife works from home so she would easily be able to make such a move....
by EyeYield
Mon Oct 08, 2018 9:20 am
Forum: Investing - Theory, News & General
Topic: Investment grade bonds now made up of 50% BBB rated
Replies: 26
Views: 2940

Re: Total Bond Market fund not what it used to be

That article is not referring to the TBM, so you may want to change the subject title.

iShares iBoxx $ Invmt Grade Corp Bd ETF (LQD) is the fund referred to in the article.
by EyeYield
Mon Oct 01, 2018 8:38 am
Forum: Investing - Theory, News & General
Topic: Should we stay in Crazytown because there's no where to run?
Replies: 129
Views: 15228

Re: Should we stay in Crazytown because there's no where to run?

OP, Since all your questions have already been answered, here’s a response not touched on by previous responders and it’s not meant to be cruel, funny, facetious or sarcastic. It’s sincere. One way to avoid the next coming downturn is to simply not live through it. By incessantly worrying about the ...
by EyeYield
Sat Sep 22, 2018 8:57 pm
Forum: Personal Investments
Topic: Pay taxes on EE bonds now or later?
Replies: 11
Views: 1155

Re: Pay taxes on EE bonds now or later?

Hello sages, SIL recently discovered he has ~20k in EE bonds from the early 1990s that are currently paying 4% each year with final maturity in the early 2020s, wondering if he and DD should start paying taxes on the interest this year and every year going forward. The pro would be they are in a lo...
by EyeYield
Fri Sep 21, 2018 6:11 pm
Forum: Personal Investments
Topic: CD Ladder
Replies: 8
Views: 1596

Re: CD Ladder

You’re not missing anything, just pick your durations and select whether you want them to automatically roll over or not.

Here are a few examples:
https://fixedincome.fidelity.com/ftgw/f ... -new-issue
by EyeYield
Thu Sep 20, 2018 8:44 am
Forum: Investing - Theory, News & General
Topic: Are We Headed For A Passive Index Meltdown?
Replies: 60
Views: 9498

Re: Are We Headed For A Passive Index Meltdown?

If everybody got in their cars and drove at the same time, we would be headed for a transportation meltdown.
by EyeYield
Mon Sep 17, 2018 9:08 pm
Forum: Investing - Theory, News & General
Topic: “Costly race to bottom on mutual fund fees”
Replies: 13
Views: 1908

Re: “Costly race to bottom on mutual fund fees”

Do you think that you might have been susceptible to an article such as this in your pre Boglehead days? EyeYield, I had given up reading a newspaper for any real serious news a long time ago. KlangFool Klang, Once upon a pre-internet time, for some of us older investors, the only source of informa...
by EyeYield
Mon Sep 17, 2018 8:55 am
Forum: Investing - Theory, News & General
Topic: “Costly race to bottom on mutual fund fees”
Replies: 13
Views: 1908

“Costly race to bottom on mutual fund fees”

I fume when I read articles like this when it’s not predicated with the word “Advertisement” or in the Opinion section. That this, known to Bogleheads, Bloomberg writer is being picked up by a major local paper is a, misleading to the general public, shame. http://enewspaper.latimes.com/infinity/art...
by EyeYield
Tue Sep 11, 2018 9:49 pm
Forum: Investing - Theory, News & General
Topic: [A Boglehead explains the simplest way to manage your money - alternative viewpoint]
Replies: 45
Views: 4891

Re: A Boglehead explains the simplest way to manage your money

Here's the complete list of holdings. Basically the first three columns of the spreadsheet. I didn't try to align the third column, which expresses the type of account (TF == tax-free, TD == tax-deferred, TX == taxable). Other columns have the target percentage and dollar value, the actuals of thos...
by EyeYield
Fri Aug 24, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: find Hvac contractor
Replies: 14
Views: 1204

Re: find Hvac contractor

Do you qualify for rebates through the California Energy Upgrade program? I replaced my entire HVAC system - AC, furnace and ductwork, through SoCalGas and received almost $2k in rebates. In San Jose, you’re probably with PG&E, so check their page for details. https://www.pge.com/en_US/residential/s...
by EyeYield
Tue Jul 10, 2018 10:13 am
Forum: Personal Investments
Topic: Temporary Tax Wall Scenario With EE Bonds - Roth Conversion of Little Help.
Replies: 1
Views: 237

Temporary Tax Wall Scenario With EE Bonds - Roth Conversion of Little Help.

I think I know my options, but perhaps the collective extra set of eyes will open mine. In 3 1/2 years I will start taking max benefit SS and my RMD's. I'm in my ninth year of unemployment, so no earned income. I almost started a Roth conversion last year, but after using a calculator (Schwab) it lo...
by EyeYield
Fri Jul 06, 2018 6:50 pm
Forum: Investing - Theory, News & General
Topic: Fidelity cash position
Replies: 55
Views: 8883

Re: Fidelity cash position

And, although the minimum initial purchase is $100K, you only need to keep $10K in the fund to keep it open. Furthermore, if you happen to have Private Client status, you may be able to continue to hold the fund with even less than $10K in it. I was told by a Fidelity rep that as a Private Client, ...
by EyeYield
Thu Jul 05, 2018 10:21 pm
Forum: Investing - Theory, News & General
Topic: Fidelity cash position
Replies: 55
Views: 8883

Re: Fidelity cash position

And, although the minimum initial purchase is $100K, you only need to keep $10K in the fund to keep it open. Furthermore, if you happen to have Private Client status, you may be able to continue to hold the fund with even less than $10K in it. I was told by a Fidelity rep that as a Private Client, ...
by EyeYield
Thu Jul 05, 2018 8:54 am
Forum: Investing - Theory, News & General
Topic: Morningstar: prepare for a lost decade for U.S. stocks
Replies: 198
Views: 20043

Re: Morningstar: prepare for a lost decade for U.S. stocks

The thread title triggered worries, but then I read “at the moment” and was somewhat relieved. From my experience, there will be another, different, moment along shortly.
by EyeYield
Mon Jun 18, 2018 9:01 am
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 119
Views: 15001

Re: Very confused with the current market

Very confused with the current market
When were you not confused about the market? Let’s start there.

What’s confusing to me is why you’re confused now. The reasons you have given thus far don’t exist.
by EyeYield
Sun Jun 17, 2018 8:59 am
Forum: Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 13719

Re: MD&P just purchased X / sold Y [md&pharmacist]

I've created a simple spreadsheet to keep track of total portfolio holdings from contributions, withdrawals, buy and sell transactions, distributions, and fees. Here's the link: mdp-holdings-and-transactions I understand that the OP will provide us with timely information in this thread to keep the...
by EyeYield
Thu Jun 14, 2018 7:09 pm
Forum: Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 13719

Re: MD&P just purchased X / sold Y [md&pharmacist]

MD&P just purchased X / sold Y Ok, I just read the whole thread, because of the evocative title, and no where could I find what was just purchased. Can someone tell me if I missed it or if it was deleted? Thanks. If the market is open and I say, “at the same time I clicked on submit for this post, ...
by EyeYield
Wed Jun 13, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 17990

Re: Should I take possession of a certified mail?

“Anyways, as many other have indicated, will go forward and take possession of the letter. Thanks.

Yeti,”
I admit to being intrigued by this mystery. Would you be willing to share the outcome?
by EyeYield
Wed Jun 13, 2018 9:09 am
Forum: Personal Investments
Topic: Please advise re:Guggenheim intermediate bond fund class p SIUPX
Replies: 17
Views: 759

Re: Please advise re:Guggenheim intermediate bond fund class p SIUPX

Luckygirl wrote:
Wed Jun 13, 2018 8:04 am
Thanks for replies. I would prefer not to use etf. Does the Ishares Aggregate Fund come in a non etf fund?
Any low cost domestic total bond fund will get you there. As PlateVoltage mentioned FSITX, or if the 10k minimum is too high you can use FBIDX.
by EyeYield
Tue Jun 12, 2018 10:14 pm
Forum: Personal Investments
Topic: Please advise re:Guggenheim intermediate bond fund class p SIUPX
Replies: 17
Views: 759

Re: Please advise re:Guggenheim intermediate bond fund class p SIUPX

Are you allowed to use anything Fidelity offers? If so, then shame on your Fidelity Advisor! At Fidelity: iShares Core US Aggregate Bond ETF  AGG, will fill that space nicely. ER .05% - SEC yield 3.01% and much less volatile than the Guggenheim fund - compare the two at Morningstar and see how they ...
by EyeYield
Tue May 29, 2018 9:48 pm
Forum: Personal Consumer Issues
Topic: Splurging on the NBA finals
Replies: 56
Views: 5579

Re: Splurging on the NBA finals

I have some experience traveling to out of state games and I would just add one piece of advice that hasn’t been mentioned yet. Book your flight a day early! Don’t leave the trip timing to forces beyond your control. When I lived in Boston a childhood friend of mine, who lived in Miami, was a big La...
by EyeYield
Thu May 24, 2018 10:12 pm
Forum: Investing - Theory, News & General
Topic: Is this a mistake or typo or something else by Fidelity?
Replies: 6
Views: 1436

Re: Is this a mistake or typo or something else by Fidelity?

They lead off with that claim on the second bullet point on that same May 9th page, using slightly different language. “Waiting to claim Social Security until after your FRA comes with a hefty bonus: 8% additional monthly income per each year you wait.” That would be factual if the word “monthly” we...
by EyeYield
Mon May 21, 2018 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3366
Views: 635712

Re: What's Your Credit Card Rewards Strategy?

State Farm Visa. Certainly not the best, but it works for me. I buy a lot of insurance, but admit I don’t try to play the rewards game like a lot of you. 3 points per $1 spent on insurance premium payments Up to $4,000 annually, 1 point per $1 thereafter. And 1 point per $1 for every thing else. No ...
by EyeYield
Tue May 15, 2018 7:33 pm
Forum: Personal Consumer Issues
Topic: Free skin cancer screenings
Replies: 26
Views: 2655

Re: Free skin cancer screenings

Dear all, I was browsing the web and stumbled on an announcement that May is Skin Cancer Awareness Month, and the American Academy of Dermatology is providing free skin cancer screenings. This site provides locations and dates: https://www.aad.org/public/spot-skin-cancer/programs/screenings/find-a-...
by EyeYield
Fri May 11, 2018 8:58 am
Forum: Investing - Theory, News & General
Topic: Savings Bond Wizard to be eliminated 5/18
Replies: 71
Views: 15977

Re: Savings Bond Wizard to be eliminated 5/18

I am confused as to what this is. I have loaded all my paper bonds into the website then I saved it (data only) using the instructions they provided. Then, when I click on the file saved the next month it automatically updates on the web. I then save under a different name and do that all over agai...
by EyeYield
Sun May 06, 2018 9:27 pm
Forum: Personal Investments
Topic: DRIP (Dividend Reinvestment Plan)
Replies: 21
Views: 2286

Re: DRIP (Dividend Reinvestment Plan)

I am thinking about buying stocks, and I was wondering if a DRIP plan is good. I've never bought stocks before. The stocks I'm thinking about buying would be from big companies, like Coca-Cola, Starbucks, ExxonMobil, etc. The DRIP plan sounds so good. It automatically reinvests your dividend paymen...
by EyeYield
Wed Apr 25, 2018 5:31 pm
Forum: Investing - Theory, News & General
Topic: What happened to the Dow Jones between 1966-1982?
Replies: 72
Views: 5615

Re: What happened to the Dow Jones between 1966-1982?

What happened to the Dow Jones between 1966-1982? It was the best time in history to start building a portfolio - if you were young. You got to buy at a discount for a long period of time, even if you didn’t realize it then. I bought my first shares of equities in 1964 - the DJIA closed that year at...
by EyeYield
Wed Apr 18, 2018 10:23 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 198
Views: 19245

Re: Is Los Angeles a good place long term to live financially?

I’m thinking ...... Keep thinking, thinking is good. Make a list of the things you need to do to get to #1. Then, if you can get accepted to an MBA program and get through it successfully, you will be able to self-answer the rest of your questions. Work on communication and language skills, those a...
by EyeYield
Wed Apr 18, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 198
Views: 19245

Re: Is Los Angeles a good place long term to live financially?

I’m thinking ...... Keep thinking, thinking is good. Make a list of the things you need to do to get to #1. Then, if you can get accepted to an MBA program and get through it successfully, you will be able to self-answer the rest of your questions. Work on communication and language skills, those a...
by EyeYield
Fri Apr 13, 2018 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Savings Bonds
Replies: 18
Views: 2775

Re: Question about Savings Bonds

1.) The $50 printed on the bond is basically a marketing gimmick by Uncle Sam, it just makes it look like you were given a bigger gift than you were. The official answer is that each EE bond has a guaranteed doubling period (currently 20 years, shorter for older bonds) so that is double the $25 pur...
by EyeYield
Mon Apr 09, 2018 9:09 am
Forum: Investing - Theory, News & General
Topic: Help Me Make The Case Against Online Trading Academy
Replies: 33
Views: 3408

Re: Help Me Make The Case Against Online Trading Academy

Online Trading Academy is a business that relies on dreamers and fools to stay solvent. Try to dissuade your co-worker, or is he a friend, by over encouraging him to go beyond simply learning how to trade, to teaching others how to do it. No trading experience necessary. The franchise requirements a...
by EyeYield
Thu Apr 05, 2018 10:04 am
Forum: Investing - Theory, News & General
Topic: Reinvest dividends or sweep to settlement account
Replies: 38
Views: 5576

Re: Reinvest dividends or sweep to settlement account

The other point is taxes in that it makes little sense to reinvest dividends after paying tax on them and then sell shares with more taxes to fund withdrawals or for rebalancing. Doing research on this topic because it is tax time and I'm thinking of strategies going forward. Apologies for resurrec...
by EyeYield
Wed Apr 04, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: Should I get a loan for a motorcycle?
Replies: 24
Views: 2162

Re: Should I get a loan for a motorcycle?

Alexa9 wrote:
Wed Apr 04, 2018 8:32 pm
Alaska is not motorcycle country.
Alaska has some of the most sought after motorcycle roads in the country, both on and off.