Search found 1218 matches

by bondsr4me
Sun Nov 17, 2019 8:49 am
Forum: Personal Investments
Topic: Charles Schwab or Fidelity?
Replies: 46
Views: 3448

Re: Charles Schwab or Fidelity?

Opposite here, at least with regard to the results from the screening. I am assuming that for corporate bonds, like CDs, Fidelity ignores commission in calculating the YTM that they list in the table of screening results. On Schwab the listed YTM in the table of results is net of commission, this m...
by bondsr4me
Sat Nov 16, 2019 6:29 pm
Forum: Personal Investments
Topic: Charles Schwab or Fidelity?
Replies: 46
Views: 3448

Re: Charles Schwab or Fidelity?

I much prefer Fidelity's bond screen page also. Opposite here, at least with regard to the results from the screening. I am assuming that for corporate bonds, like CDs, Fidelity ignores commission in calculating the YTM that they list in the table of screening results. On Schwab the listed YTM in t...
by bondsr4me
Sat Nov 16, 2019 12:40 pm
Forum: Personal Investments
Topic: Charles Schwab or Fidelity?
Replies: 46
Views: 3448

Re: Charles Schwab or Fidelity?

I much prefer Fidelity's bond screen page also. Opposite here, at least with regard to the results from the screening. I am assuming that for corporate bonds, like CDs, Fidelity ignores commission in calculating the YTM that they list in the table of screening results. On Schwab the listed YTM in t...
by bondsr4me
Sat Nov 16, 2019 11:59 am
Forum: Personal Investments
Topic: Charles Schwab or Fidelity?
Replies: 46
Views: 3448

Re: Charles Schwab or Fidelity?

As of now, if I was choosing only one, it would be Fidelity.

Occasionally I buy individual corporate bonds. Fidelity's commission is $1/bond unlike Schwab's minimum $10.
I much prefer Fidelity's bond screen page also.

Have a great weekend.
by bondsr4me
Tue Nov 12, 2019 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard keeps pushing their financial advisors...why?
Replies: 93
Views: 7694

Re: Vanguard keeps pushing their financial advisors...why?

I also agree with Jack Bogle and quite a few Bogleheads who argue that Vanguard should disclose executive compensation. I find it concerning that Vanguard is one of the least transparent when it comes to executive compensation. Has the money saved by Vanguard by cutting Flagship benefits and servic...
by bondsr4me
Tue Nov 12, 2019 12:22 pm
Forum: Personal Consumer Issues
Topic: Purchasing a used iPhone from Consumer Cellular?
Replies: 3
Views: 257

Re: Purchasing a used iPhone from Consumer Cellular?

I purchased 2 iPhone 6sPlus phones from CC...no problems.
These were "unlocked" phones.

I had to move from CC....using way too much data for what they offer.

Switched to AT&T's unlimited data plan; may end switching to Verizon unlimited soon.
by bondsr4me
Tue Nov 12, 2019 9:17 am
Forum: Investing - Theory, News & General
Topic: AAII?
Replies: 6
Views: 1162

Re: AAII?

Have any of you AAII members who invest using their Model Stock Portfolio compared your results with a comparative index?

Just curious how you have made out.

Thanks in advance.

Have a great day.
by bondsr4me
Sat Nov 09, 2019 11:25 am
Forum: Personal Investments
Topic: Customer Service with Vanguard
Replies: 264
Views: 16578

Re: Customer Service with Vanguard

Being the cheapest doesn’t equate to being the best. IMHO, Vanguard is the wal-mart of mutual funds/etf’s. In most aspects of life you get just what you pay for. You want a Seiko watch, you’ll pay the price. You want a Mercedes, you’ll pay the price. There a lot cheaper watches and cars to be had, b...
by bondsr4me
Fri Nov 08, 2019 11:54 am
Forum: Personal Investments
Topic: Customer Service with Vanguard
Replies: 264
Views: 16578

Re: Customer Service with Vanguard

Gosh, it is so dreadful to read such bad customer service experiences. It appears that Vanguard operates on the "don't call me nor will I call you back" principle. I rarely call them, but if I call and receive such bad services, I will definitely send a letter to the CEO. Where is Jack Bogle's Vang...
by bondsr4me
Fri Nov 08, 2019 9:01 am
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 152
Views: 53815

Re: WSJ Digital Subscription - a bargain!

I like print. I also noticed wsj is "limiting" comments now. One of our kid gets the journal but never reads it, so it cost like $10 a month through her school. I am still reading the print and enjoy it. I wonder how much longer it will be in print. I like to read it on my iPad or SP6....I can make...
by bondsr4me
Fri Nov 08, 2019 9:00 am
Forum: Personal Investments
Topic: Customer Service with Vanguard
Replies: 264
Views: 16578

Re: Customer Service with Vanguard

Wow! All these negative comments about Vanguard customer service give me pause. I was just about to transfer an IRA to Vanguard from Morgan Stanley, but I'm having second thoughts about it now - not about moving the funds out of MS (which I can't wait to do!), but moving them into Vanguard. Some fu...
by bondsr4me
Thu Nov 07, 2019 1:59 pm
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 152
Views: 53815

Re: WSJ Digital Subscription - a bargain!

I like print. I also noticed wsj is "limiting" comments now. One of our kid gets the journal but never reads it, so it cost like $10 a month through her school. I am still reading the print and enjoy it. I wonder how much longer it will be in print. I like to read it on my iPad or SP6....I can make...
by bondsr4me
Mon Oct 28, 2019 5:13 am
Forum: Personal Consumer Issues
Topic: Folks age between 65-70. What’s your exercise routine
Replies: 44
Views: 4484

Re: Folks age between 65-70. What’s your exercise routine

walk about 2 miles 5 days/week
yoga 3 days/week
racquetball 1 day/week
130 pushups 4days/week
light weights 2 days/week

monitor my BP almost daily
by bondsr4me
Fri Oct 11, 2019 1:41 pm
Forum: Personal Investments
Topic: $0 Commission, where to trade now ?
Replies: 5
Views: 645

Re: $0 Commission, where to trade now ?

Hi Bogleheads, I have 2 questions with the new zero commission: 1. Which brokerage provide best service for active trader in term of speed (no lagging), and services ? 2. Which brokerage provide $0 commission equity trading for retirement account ? for #1.....Interactive Brokers has a pretty good p...
by bondsr4me
Thu Oct 10, 2019 7:34 am
Forum: Investing - Theory, News & General
Topic: Fidelity to $0 Commissions
Replies: 86
Views: 8994

Re: Fidelity to $0 Commissions

I guess this means we can quit posting in that other thread that asks when we will be moving our accounts out of Fidelity because of the commissions. We’ll just have to start a new thread where people who had free trades at Fidelity complain about how they aren’t special anymore now that everyone h...
by bondsr4me
Sat Oct 05, 2019 1:48 pm
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 15985

Re: How many are switching from Fidelity?

I'm waiting to see what Fidelity's response is.
by bondsr4me
Wed Oct 02, 2019 2:46 pm
Forum: Investing - Theory, News & General
Topic: If you use Vanguard (Brokerage), why do you stay?
Replies: 58
Views: 6710

Re: If you use Vanguard (Brokerage), why do you stay?

With all the recent threads about Schwab and TDA’s announcement of free trades, along with a general trend of support for these companies and others like Fidelity, I’m interested to hear from folks who have the bulk of their assets at Vanguard and do not plan to leave in the near future. My wife an...
by bondsr4me
Tue Oct 01, 2019 12:54 pm
Forum: Investing - Theory, News & General
Topic: Charles Schwab (SCHW) Eliminating Commissions for Stocks, ETFs and Options Listed on U.S. or Canadian Exchanges
Replies: 106
Views: 10164

Re: Charles Schwab (SCHW) Eliminating Commissions for Stocks, ETFs and Options Listed on U.S. or Canadian Exchanges

My concern is they may have to save money elsewhere and it may affect customer service. That was my concern with Fidelity as well. Vanguard has virtually no offices, while Schwab and Fidelity keep a large number of offices and staff. I just looked and found 2 Schwab offices near me (with each havin...
by bondsr4me
Tue Oct 01, 2019 8:39 am
Forum: Investing - Theory, News & General
Topic: Charles Schwab (SCHW) Eliminating Commissions for Stocks, ETFs and Options Listed on U.S. or Canadian Exchanges
Replies: 106
Views: 10164

Re: Charles Schwab (SCHW) Eliminating Commissions for Stocks, ETFs and Options Listed on U.S. or Canadian Exchanges

If they have a huge amount of money transferred in from other brokerages, they will probably make a decent amount on the uninvested cash in customer accounts...I believe about they had a pretty large amount of earnings from the uninvested client cash in brokerage accounts. Net Interest Revenue was 5...
by bondsr4me
Tue Oct 01, 2019 8:25 am
Forum: Investing - Theory, News & General
Topic: Charles Schwab (SCHW) Eliminating Commissions for Stocks, ETFs and Options Listed on U.S. or Canadian Exchanges
Replies: 106
Views: 10164

Re: Charles Schwab (SCHW) Eliminating Commissions for Stocks, ETFs and Options Listed on U.S. or Canadian Exchanges

I just now heard that on CNBC.

I may end up moving most funds from Fidelity to Schwab; just wish they would get rid of the .65/contract fee on options.

Have a great day.
by bondsr4me
Mon Sep 30, 2019 4:06 pm
Forum: Personal Consumer Issues
Topic: All in one single serve and pot of coffee maker
Replies: 21
Views: 1669

Re: All in one single serve and pot of coffee maker

TxAg wrote:
Sun Sep 29, 2019 9:04 pm
Presto stainless percolator
+1 on the percolator.

I use a Cuisanart percolator.
I also have a Hamilton Beach perc too.
I use a small grinder to do the beans.
by bondsr4me
Mon Sep 30, 2019 10:56 am
Forum: Personal Investments
Topic: Vanguard has almost no funds with $1k minimums??
Replies: 24
Views: 1760

Re: Vanguard has almost no funds with $1k minimums??

Admiral, from your post I am assuming you opened a "brokerage" account.

Why not invest in VTI?
Broad market exposure; very low ER; no need to worry about minimums.

This is a very good fund to invest in.
by bondsr4me
Fri Sep 27, 2019 5:59 pm
Forum: Personal Investments
Topic: Fidelity vs Vanguard: Free wire!
Replies: 22
Views: 2149

Re: Fidelity vs Vanguard: Free wire!

Neither Vanguard or Fidelity have ever charged me to do WT’s.

And I am not a VG Flagship client or special Fidelity client.

Schwab has in the past charged me for WT’s.
I complain and the have always refunded the fee, so no complaints with them either.

TDAmeritrade hasn’t charged me either.
by bondsr4me
Mon Sep 23, 2019 6:37 pm
Forum: Personal Investments
Topic: Commingling pre-tax with post-tax IRA contributions
Replies: 28
Views: 1605

Re: Commingling pre-tax with post-tax IRA contributions

I have an IRA that only consists of rollover contributions from past 401ks. I know that it’s possible to commingle and add post-tax contributions, but is it just easier for documentation and tax purposes to open up a separate IRA for post-tax contributions? I would prefer to have a fewer number of ...
by bondsr4me
Sun Sep 22, 2019 12:41 pm
Forum: Personal Consumer Issues
Topic: Have you copyrighted a poem?
Replies: 16
Views: 1066

Re: Have you coyrighted a poem?

One trick that I've heard is used by some writers is to mail the the original work to yourself. Then when you receive it, leave the envelope unopened, with the postmarked date on it. If legal issues arise, you can present this as proof that you had written the poem as of the date on the envelope. I...
by bondsr4me
Sun Sep 22, 2019 11:52 am
Forum: Investing - Theory, News & General
Topic: Charles Schwab new book
Replies: 5
Views: 847

Re: Charles Schwab new book

I have “You’re Fifty, Now What” by Charles Schwab. I think he has helped bring the markets to the individual investors making them more affordable. I’ve had an account (small amount) with CS for many years. Still giving consideration to moving our VG accounts to Schwab; just sitting on the fence.......
by bondsr4me
Sat Sep 21, 2019 2:08 pm
Forum: Personal Investments
Topic: Coming to the realization that Traditional is probably wiser
Replies: 42
Views: 6923

Re: Coming to the realization that Traditional is probably wiser

OP, You are paying 28.8% taxes to contribute to Roth 403B and Roth IRAs. And, paying 5+% interest on your student loan at the same time. The difference is 30+%. Why do that? You could contribute to Trad. 403B and use the tax savings to pay the student loan instead. KlangFool +1...agree with above. ...
by bondsr4me
Thu Sep 19, 2019 7:44 am
Forum: Investing - Theory, News & General
Topic: Market/Limit Orders
Replies: 39
Views: 2356

Re: Market/Limit Orders

I would not use market orders, especially while the market is not open...you're putting your neck on the chopping block IMO. Things can change in a heartbeat. Wait until the market opens and you have a chance to see what the market is doing after things settle down. Then, use limit orders with a pri...
by bondsr4me
Wed Sep 18, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: iCloud Full - Photos
Replies: 23
Views: 1775

Re: iCloud Full - Photos

Thanks for defining the differences of "sync" and "backup" services. I wasn't aware of this. If I have all my Apple devices set to "sync", can I "unsync" them. I don't like the idea of what gets deleted on one device gets deleted on all devices. Thanks...appreciate your definitions. p.s. I also use...
by bondsr4me
Wed Sep 18, 2019 7:41 am
Forum: Personal Consumer Issues
Topic: iCloud Full - Photos
Replies: 23
Views: 1775

Re: iCloud Full - Photos

When all pictures and documents are stored and available in iCloud is there any need for an external backup drive any longer? iCloud is a sync service, not a backup. While there is overlap in the definition of these two things, they are not the same. A sync service will delete an item from all loca...
by bondsr4me
Mon Sep 16, 2019 4:02 pm
Forum: Personal Consumer Issues
Topic: Have you copyrighted a poem?
Replies: 16
Views: 1066

Re: Have you coyrighted a poem?

123 wrote:
Mon Sep 16, 2019 3:03 pm
Roses are red,
violets are blue,
copyright begins when you tangibly record your work,
there is nothing more now that you need to do
You’re a poet
and didn’t know it :)

Thanks to everyone.
by bondsr4me
Mon Sep 16, 2019 2:11 pm
Forum: Personal Consumer Issues
Topic: Have you copyrighted a poem?
Replies: 16
Views: 1066

Re: Have you coyrighted a poem?

I have not done it. But I do produce copyrighted writing for a living. Are you aware that the work is already copyrighted? Registration establishes your right to sue, but it's not required for copyright itself. It's my understanding, not a legal mind here, that the poem was copyrighted when I origi...
by bondsr4me
Mon Sep 16, 2019 1:57 pm
Forum: Personal Consumer Issues
Topic: Have you copyrighted a poem?
Replies: 16
Views: 1066

Have you copyrighted a poem?

To the moderators: I am not looking for nor am I asking for legal advice; just other peoples' experiences. I recently wrote a poem about the loss of a dear pet. The words flowed for me; the emotions came out into words. This is very personal, although I do intend to share it after copyright. I would...
by bondsr4me
Mon Sep 16, 2019 5:16 am
Forum: Personal Consumer Issues
Topic: Laptop for aging parents
Replies: 43
Views: 2805

Re: Laptop for aging parents

Hello Bogleheads - I come in search of advice. My parents are in need of a laptop. Some considerations - needs to fit a tight(er) budget, but want something quality (I think the budget rules out a Mac) - they have currently have iPhones - teaching them to use said iPhones was not difficult, but the...
by bondsr4me
Sun Sep 15, 2019 7:14 am
Forum: Personal Consumer Issues
Topic: Do you trust Microsoft updating your Windows 7 machine?
Replies: 122
Views: 6634

Re: Do you trust Microsoft updating your Windows 7 machine?

Now that Microsoft has announced that they will no longer support Windows 7 in 2020, I noticed that the volume of their updates have increased a bit. Frankly, I do not trust them. I am thinking they are trying hard to make a perfectly good system obsolete, hoping that consumers will go out and purc...
by bondsr4me
Sat Sep 14, 2019 11:25 am
Forum: Personal Consumer Issues
Topic: Do you trust Microsoft updating your Windows 7 machine?
Replies: 122
Views: 6634

Re: Do you trust Microsoft updating your Windows 7 machine?

Yes...I trust MS...just as much as I trust Apple...or for that matter, Vanguard or Fidelity or Schwab or TDAmeritrade. I believe they all do a pretty decent job at what they do. None are perfect; every one of them has made mistakes....especially VG. IMHO you should upgrade your Windows devices and s...
by bondsr4me
Wed Sep 11, 2019 7:33 pm
Forum: Personal Consumer Issues
Topic: New iPad
Replies: 9
Views: 1621

Re: New iPad

That depends: What will you primarily use it for? If just for checking email and web browsing, I say no. A new ipad will do just fine for this. Do you have/use an Apple pencil now? If yes, the first gen pencil will not work on the new IpadPro 12”. I used a pencil on my 2nd gen ipadpro, but traded it...
by bondsr4me
Wed Sep 11, 2019 10:42 am
Forum: Personal Finance (Not Investing)
Topic: using Apple iWatch with non-Apple iPhone
Replies: 4
Views: 436

Re: using Apple iWatch with non-Apple iPhone

Thanks to all who responded...appreciate it very much.

We will probably stick to "all Apple products"...they do play together very well.


p.s. but I do really like my Surface Pro 6 too!!
by bondsr4me
Wed Sep 11, 2019 7:37 am
Forum: Personal Finance (Not Investing)
Topic: using Apple iWatch with non-Apple iPhone
Replies: 4
Views: 436

using Apple iWatch with non-Apple iPhone

I am curious if anyone is using the Apple iWatch paired with a non-Apple phone.

If so, do you have any issues with compatability?

I am considering replacing my iPhone 6s Plus and I am looking at ALL phone choices; not just an Apple iPhone.

Thanks to responses.
by bondsr4me
Wed Sep 11, 2019 7:27 am
Forum: Personal Investments
Topic: [Moving from Edward Jones to Vanguard]
Replies: 18
Views: 2074

Re: [Moving from Edward Jones to Vanguard]

Silk McCue wrote:
Sun Sep 08, 2019 8:56 pm
Welcome to Bogleheads!

Since you rightly despise EJ and the tax consequences are minor sell the funds tomorrow and then have Fidelity pull them.

Cheers
+1

No need to consult with EJ; "just do it".

Good luck!
by bondsr4me
Sat Sep 07, 2019 11:14 am
Forum: Investing - Theory, News & General
Topic: Trouble logging on to Vanguard in the last week...
Replies: 14
Views: 1391

Re: Trouble logging on to Vanguard in the last week...

I had no trouble just now...everything seemed OK to me.
by bondsr4me
Sat Sep 07, 2019 10:48 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1564
Views: 167388

Re: [What TV Show Have You Recently Watched?]

Gunsmoke....watch it every night....doesn't get any better than this...well...maybe Yankee baseball!
by bondsr4me
Tue Sep 03, 2019 8:09 am
Forum: Investing - Theory, News & General
Topic: Option trading advice & resources
Replies: 2
Views: 251

Re: Option trading advice & resources

I didn't see you mention your broker; who are you currently trading with? Fidelity and Schwab have "chat rooms" that may be of interest to you, but they are not "live" chat rooms; more message boards. Schwab also has "Schwab Live" that may be of interest to you for "technicals" and "market" discussi...
by bondsr4me
Sat Aug 31, 2019 11:09 am
Forum: Personal Investments
Topic: Transfer to Merrill Edge from advisory acct
Replies: 10
Views: 793

Re: Transfer to Merrill Edge from advisory acct

Fidelity, Vanguard, Schwab are all excellent alternatives.
They will all help you do a seamless transfer.
Unless you have a ML proprietary investment, there is no need to contact ML to do this.

Fidelity and Schwab have excellent real-time chats in case you need it.

Good luck 😊
by bondsr4me
Thu Aug 29, 2019 5:49 pm
Forum: Personal Investments
Topic: Warren buffet sits on cash
Replies: 44
Views: 5359

Re: Warren buffet sits on cash

Warren Buffet is an active manager, he has been his entire life. This isn't even contrary to his advice, which states "the average investor will be better off simply investing in index funds." Warren isn't an average investor, thus he has made billions of dollars making highly speculative bets on c...
by bondsr4me
Wed Aug 28, 2019 6:12 pm
Forum: Personal Investments
Topic: Anyone betting on Teva or any other individual stocks?
Replies: 21
Views: 2094

Re: Anyone betting on Teva or any other individual stocks?

Yeah I know it is not the BH way, but I could not sit on the sidelines any longer. Lets see what happens! I saw where TEVA is in Berkshire’s portfolio. There is nothing wrong with buying individual stocks or bonds if you are willing to assume the risk. What’s good for some on BH’s may not be good f...
by bondsr4me
Wed Aug 28, 2019 2:40 pm
Forum: Personal Investments
Topic: Individual municipal bonds vs municipal bond funds
Replies: 17
Views: 1089

Re: Individual municipal bonds vs municipal bond funds

I guess I’m the contrarian of the group in that I have moved from VTEB muni bond fund to individual muni bonds. The main reason for the move was about a 0.75% yield improvement over the fund with bonds that are, on average rated higher than the fund. My maturity is a bit longer than the fund howeve...
by bondsr4me
Wed Aug 28, 2019 11:06 am
Forum: Investing - Theory, News & General
Topic: I don't like Bonds because I
Replies: 31
Views: 2795

Re: I don't like Bonds because I

Yes, you should understand what you want to invest in before you invest. If you want a good book on bonds, get "Bonds The Unbeaten Path To Secure Investment Growth" by Hildy & Stan Richelson. It's a very good book; I have both editions. Even if you buy a bond fund or etf, still get the book so you c...
by bondsr4me
Mon Aug 26, 2019 7:09 am
Forum: Personal Consumer Issues
Topic: Learning Accounting (question)
Replies: 14
Views: 1124

Re: Learning Accounting (question)

Sales/Expenses will eventually end up in "Owners Equity" as "Profit or Loss" when the books are closed.

Maybe that is what your textbook is referring to.
by bondsr4me
Sun Aug 25, 2019 10:18 am
Forum: Investing - Theory, News & General
Topic: Is the S&P 500 good enough?
Replies: 48
Views: 6135

Re: Is the S&P 500 good enough?

Good morning. I'm starting my new 401(k) on 1/1/20. My company is merging with another company and we will be using their 401(k). It will be managed by Fidelity and has good index fund options: S&P 500, extended market, total international stock and total US bond. I will certainly use the S&P and i...