Search found 290 matches

by EvelynTroy
Wed Apr 18, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 4731

Re: PC laptops

I agree the apple line is not a good value. I've had the MotoG 1st gen. for 4 yrs yesterday - congratulatory email from my phone service yesterday Republic Wireless - sure not a fancy phone but it had served me well using the apps I need/want. I diverted. I purchased this refurbished Lenovo laptop D...
by EvelynTroy
Tue Apr 10, 2018 5:20 am
Forum: Investing - Theory, News & General
Topic: Businessweek: Jack Bogle's Last Crusade?.. (link)
Replies: 28
Views: 6241

Re: Businessweek: Jack Bogle's Last Crusade?.. (link)

The link provided seems to be out of date -
I found this one that worked for me:

https://www.bloomberg.com/news/articles ... st-crusade

Thank you OP for the article.

Evelyn
by EvelynTroy
Mon Apr 09, 2018 6:21 am
Forum: Investing - Theory, News & General
Topic: Need some advice about State Teachers Retirement Plan....
Replies: 7
Views: 794

Re: Need some advice about State Teachers Retirement Plan....

Five, I can't give you specific advice regarding your state's teacher retirement - even if you had provided the details of your state's plan I don't have the skills to do that kind of evaluation. That said, what I can share is I participate in two teacher retirement programs from different school sy...
by EvelynTroy
Sun Apr 08, 2018 10:31 am
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 197
Views: 26218

Re: 2-year CDs at Vanguard and Fidelity Today

Kevin M thank you for sharing all your knowledge on CDs. Please think about a article on what you know what CDs, buying, selling, bond funds etc. Paul Here, here - KevinM is a treasure. I hope Kevin is thinking of writing a book on fixed income investing. Kevin does have a nice blog, aptly named ht...
by EvelynTroy
Sat Apr 07, 2018 8:05 am
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 197
Views: 26218

Re: 2-year CDs at Vanguard and Fidelity Today

I do not know how to calculate/assess if the 2 yr. brokered CD @ 2.60% vs. a 17 month 2.30% CD, $1,000 min. deposit offered at Federal Savings Bank, New Hampshire is a better deal. I could not locate anything about EWP on deposit accounts or the FSB website. It seems to me 2.3% would be better with...
by EvelynTroy
Fri Apr 06, 2018 2:51 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 197
Views: 26218

Re: 2-year CDs at Vanguard and Fidelity Today

I do not know how to calculate/assess if the 2 yr. brokered CD @ 2.60% vs. a 17 month 2.30% CD, $1,000 min. deposit offered at Federal Savings Bank, New Hampshire is a better deal. I could not locate anything about EWP on deposit accounts or the FSB website. It seems to me 2.3% would be better with ...
by EvelynTroy
Fri Apr 06, 2018 8:21 am
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 197
Views: 26218

Re: 2-year CDs at Vanguard and Fidelity Today

Perhaps of interest - I see that the same Morgan Stanley CDs at 2.60% are offered at Schwab.
Thanks for pointing them out yesterday.
Evelyn
by EvelynTroy
Mon Apr 02, 2018 10:00 am
Forum: Investing - Theory, News & General
Topic: 18 mo. CD 2.53%
Replies: 4
Views: 1448

Re: 18 mo. CD 2.53%

The EWP is not of importance to me for an 18 month offering. 3-5 year CD's different story.
Someone can correct me if wrong, but seems like the notion of a callable CD is included in many terms of agreement docs -more a formality than an actual event that happens regularly.
Evelyn
by EvelynTroy
Sat Mar 31, 2018 2:51 pm
Forum: Investing - Theory, News & General
Topic: 18 mo. CD 2.53%
Replies: 4
Views: 1448

18 mo. CD 2.53%

Offered at USAlliance Financial - easy membership thru American Consumer Council. USALLIANCE Ups 18-Month CD Rate To 2.53% APY POSTED ON SATURDAY, MARCH 31, 2018 BY Ken Tumin Deal Summary: Fixed Rate Certificates – 9-month (2.02% APY) and 18-month (2.53% APY), $500 minimum deposit Availability: Easy...
by EvelynTroy
Sun Mar 18, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: TV and set up recommendations for above fireplace
Replies: 35
Views: 2437

Re: TV and set up recommendations for above fireplace

I had my 55" tv installed above the fireplace (a corner fireplace) and love it. I don't find it tires my neck - I tilt it down some. There are no heat issues - have gas logs. I required a very substantial bracket - Amazon and the like did not have one substantial enough - make sure you get a good qu...
by EvelynTroy
Sun Mar 18, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: Tips on saving on living expenses for a first time single householder
Replies: 46
Views: 3080

Re: Tips on saving on living expenses for a first time single householder

Single senior female here - adding couple tips and reinforcing others. Something to be said for being "too frugal," i.e. used soft furniture and bedding, plastic ware, etc. Not a good idea. Quick, yummy meal - https://www.johnsoulesfoods.com/products/beef-fajitas/ Tyson makes similar, also good. Pur...
by EvelynTroy
Tue Mar 13, 2018 7:49 am
Forum: Investing - Theory, News & General
Topic: your cash is trash at brokers J.Zweig - WSJ
Replies: 23
Views: 4478

Re: your cash is trash at brokers J.Zweig - WSJ

Just to add - in the article it was noted Schwab offers Schwab money fund yielding almost 1.3%. There, unlike in a sweep account, she will have to place a separate order to buy or sell some of the fund whenever she wants to reinvest dividends or raise money for a trade.
ev
by EvelynTroy
Tue Mar 13, 2018 7:41 am
Forum: Investing - Theory, News & General
Topic: your cash is trash at brokers J.Zweig - WSJ
Replies: 23
Views: 4478

your cash is trash at brokers J.Zweig - WSJ

Apologize if already referenced, looked didn't see it. Eye opening article for me - as usual Mr. Zweig looking out for the little guy. https://blogs.wsj.com/moneybeat/2018/03/09/brokers-to-investors-your-cash-aint-nothin-but-trash/ Summary - Short-term interest rates have been rising, but the intere...
by EvelynTroy
Sat Mar 10, 2018 11:40 am
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 12405

Re: Sharonview FCU 64 month CD - 4%

Gigs, One thing if you are ambivalent about the offer - no problem you can just decide not to fund and ask them to close the account. Yes there is some legwork to opening an CD - I don't chase yield and constantly looking for the best CD deal but I have found after opening a couple CD's its just as ...
by EvelynTroy
Wed Mar 07, 2018 6:55 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 12405

Re: Sharonview FCU 64 month CD - 4%

This says they do ACH transfers. https://www.sharonview.org/docs/default ... ?sfvrsn=10 Maybe the same as my experience, but maybe not. The CD I purchased from another CU last week - their details said the same thing regarding ACH transfer. However, for an IRA CD like mine was they only accepted a ...
by EvelynTroy
Wed Mar 07, 2018 4:30 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 12405

Re: Sharonview FCU 64 month CD - 4%

Perhaps of interest - thought it worth a mention. On depositaccounts discussion that the CU may accept membership in the American Consumer Council - I joined to purchase a CD at another CU week or so ago and it was $8. Couple others weren't sure if you had to separately join the Carolina Consumer Co...
by EvelynTroy
Mon Mar 05, 2018 7:38 pm
Forum: Investing - Theory, News & General
Topic: New tax law and QCD's - article
Replies: 18
Views: 1728

Re: New tax law and QCD's - article

I edited the link - apologize for the error Sport.
Evelyn
by EvelynTroy
Mon Mar 05, 2018 7:26 pm
Forum: Investing - Theory, News & General
Topic: New tax law and QCD's - article
Replies: 18
Views: 1728

New tax law and QCD's - article

Jim Blankenship definitely one of the good guys - I've met him and sought his counsel. https://financialducksinarow.com/12163/will-tcja-encourage-qcds/ An article that explains impact of the new tax law on Qualified Charitable Distributions (QCD's) and your IRA/RMD maybe more popular than ever. I'm ...
by EvelynTroy
Mon Mar 05, 2018 6:50 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 12405

Re: Sharonview FCU 64 month CD - 4%

These rates may change any time without prior notice. After your account is opened, the dividend rate may change Don't hold me to it, but if I'm not mistaken your account and your funded CD is two different things. You would open a Sharonview account, but you might not fund it for a variety of reas...
by EvelynTroy
Fri Mar 02, 2018 2:15 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 12405

Sharonview FCU 64 month CD - 4%

Sharonview FCU (possible easy membership) has a 64-month Certificate Special (4.00% APY). Minimum $500 deposit of new money. For the 64-month certificate, Per Member deposit limit of $250,000 new funds and $100,000 existing funds. Penalty for early withdrawal is 365 days dividends on the amount with...
by EvelynTroy
Tue Feb 27, 2018 1:34 pm
Forum: Investing - Theory, News & General
Topic: 5-year CD vs. 6-year CD; double EWP with longer maturity
Replies: 21
Views: 1289

Re: 5-year CD vs. 6-year CD; double EWP with longer maturity

But, if I'm going to do it now I kind of thought that putting the money somewhere with yield is better than sitting on it and earning next to nothing. So, while I take your point about patiently waiting until a decent offering comes along, doesn't that offering have to be all that much better to co...
by EvelynTroy
Tue Feb 27, 2018 8:39 am
Forum: Investing - Theory, News & General
Topic: 5-year CD vs. 6-year CD; double EWP with longer maturity
Replies: 21
Views: 1289

Re: 5-year CD vs. 6-year CD; double EWP with longer maturity

rjbraun, What I was trying to say in a long-winded way was just as nestegg_user noted - the rates you are looking at just aren't very good. What would be the logic in locking in for 5-6 years when you can get the same thing for around 2 years - or even same thing for 11 months. And I too understand ...
by EvelynTroy
Mon Feb 26, 2018 3:38 pm
Forum: Investing - Theory, News & General
Topic: 5-year CD vs. 6-year CD; double EWP with longer maturity
Replies: 21
Views: 1289

Re: 5-year CD vs. 6-year CD; double EWP with longer maturity

I'm surely no expert on CD's - my suggestion not to be in a hurry purchasing either of these CD's. Fri. purchased 48 mo. 3.04% CD at Freedom CU in Philadelphia - the promotion ended Fri. Today I see - as an example. NASA FCU Adds 11-Month Share Certificate Special (2.25% APY) - 2/15/2018 NASA Federa...
by EvelynTroy
Thu Feb 15, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: Rolex
Replies: 45
Views: 5043

Re: Rolex

Longshot, but if by chance you know someone who works in Saudi Arabia (not sure about neighboring countries like The Emeritates ) - but major Saudi cities have authorized Rolex dealers - cost used to be more than half the u.s. price. That person could purcase for you and bring back. I purchased a go...
by EvelynTroy
Thu Feb 15, 2018 8:39 am
Forum: Investing - Theory, News & General
Topic: How Inflation Works (NYT)
Replies: 21
Views: 2399

How Inflation Works (NYT)

How Inflation Works -- or Why Your Chicken Is Going to Cost More https://www.nytimes.com/interactive/2018/02/14/business/economy/inflation-prices.html Very nice explanation - clear examples. Its not an academic whitepaper - its an article that is very understandable. My eyes did not gloss over - a ...
by EvelynTroy
Thu Feb 15, 2018 8:06 am
Forum: Investing - Help with Personal Investments
Topic: Understanding tax efficient help
Replies: 6
Views: 608

Re: Understanding tax efficient help

Thanks again Duckie and Livesoft -
The analogy of thinking about it as an extra expense ratio makes good sense, and I'm going to make room for Wellesley in my TIRA.
These simple helpful suggestions - give me a better feeling of control over why I should or shouldn't make changes.
Evelyn
by EvelynTroy
Thu Feb 15, 2018 7:50 am
Forum: Investing - Theory, News & General
Topic: Can someone help me explain to my wife...?
Replies: 81
Views: 10043

Re: Can someone help me explain to my wife...?

Arcion -
I suggest a simple, straightforward, easy to digest, plain-talk advice from the professionals -

I would make a nicely formatted document and print it out - it would be Taylor Larimore's "gem" so succinct:

https://www.bogleheads.org/wiki/Taylor_ ... ng_quotes
Evelyn
by EvelynTroy
Wed Feb 14, 2018 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Understanding tax efficient help
Replies: 6
Views: 608

Re: Understanding tax efficient help

I appreciate these two detailed explanations very much - I understand what you are explaining. Moto said If you have tax-efficient assets such as Total US, Large-Cap US, S&P500, or Total International in your tax-protected accounts, I would consider swapping those with Wellesley, and then rebuying t...
by EvelynTroy
Wed Feb 14, 2018 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Understanding tax efficient help
Replies: 6
Views: 608

Understanding tax efficient help

Considering purchasing Vanguard Wellesley Income Admiral Shares fund (VWIAX) - its been noted that this fund is not tax efficient and best held in a tax advantaged account. I have other index ETF's and couple of funds - that are placed in the proper tax protected or taxable accounts. I never really ...
by EvelynTroy
Wed Feb 07, 2018 9:42 am
Forum: Investing - Theory, News & General
Topic: Stock Market Didn't Get Tested You Did - WSJ Zweig
Replies: 20
Views: 3876

Re: Stock Market Didn't Get Tested You Did - WSJ Zweig

All I did was buy more. Guess I was right about my risk tolerance I don’t really view equities as risky (overtime). Very volatile in the short term - but not necessarily “risky” This article explains equities and risk over time - Meir Statman is highly respected investing educator: https://www.mark...
by EvelynTroy
Wed Feb 07, 2018 8:56 am
Forum: Investing - Theory, News & General
Topic: Stock Market Didn't Get Tested You Did - WSJ Zweig
Replies: 20
Views: 3876

Stock Market Didn't Get Tested You Did - WSJ Zweig

Occasionally an article that is a keeper that I will read and reread over time - for the timeless educational value - a treasured investing reference. Another example would be the sticky, "A Time To Evaluate Your Jitters" Subscription required - I can direct you to a copy - pm me. From Jason Zweig -...
by EvelynTroy
Tue Feb 06, 2018 1:03 pm
Forum: Investing - Theory, News & General
Topic: NextAdvisor - Anyone using this? $10/month
Replies: 4
Views: 530

Re: NextAdvisor - Anyone using this? $10/month

Sorry the Schwab feature doesn't work out for you. $10 a mo. does seem kind of pricey to me For rebalancing I use this google docs spreadsheet - you can view it and not have to download anything: https://www.doughroller.net/investing/an-awesome-and-free-investment-tracking-spreadsheet/ for tracking ...
by EvelynTroy
Tue Feb 06, 2018 12:55 pm
Forum: Investing - Theory, News & General
Topic: Freedom CU 36 mo. 3.04% CD
Replies: 0
Views: 377

Freedom CU 36 mo. 3.04% CD

https://www.depositaccounts.com/banks/f ... cu/offers/

Looks like easy membership with American Consumer Council membership proof.
Also available as an IRA. A limited time offer.
Evelyn
by EvelynTroy
Mon Feb 05, 2018 6:14 pm
Forum: Investing - Theory, News & General
Topic: NextAdvisor - Anyone using this? $10/month
Replies: 4
Views: 530

Re: NextAdvisor - Anyone using this? $10/month

Schwab has a new feature that allows you to link non-Schwab accounts to your Schwab account and see all your financial holdings in one place.
I don't know if Vanguard, Fidelity, or TD has this feature.
The Schwab feature costs nothing.
Evelyn
by EvelynTroy
Mon Feb 05, 2018 9:32 am
Forum: Investing - Theory, News & General
Topic: Vanguard 3 Fund beats big endowments
Replies: 3
Views: 776

Vanguard 3 Fund beats big endowments

From the ever sensible Ben Carson - http://awealthofcommonsense.com/2018/02/the-vanguard-endowment-model/ you can see the simple Vanguard portfolio was safely in the top quartile in both the 3 and 10 year time frames. It handily outperformed the average endowment over 1, 3, 5 and 10 years. Save for ...
by EvelynTroy
Sat Feb 03, 2018 2:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Wellesley Income fund is incredible
Replies: 175
Views: 49053

Re: Vanguard's Wellesley Income fund is incredible

Thank you Willthethrill for your analysis - very helpful. Coincidence just this a.m. I was looking at WVINX - even though firm believer in taking risk on the equity side - 90% of my fixed income is in CD's, was thinking WVINX might be good choice - my asset allocation is 40/60 so this would fit in. ...
by EvelynTroy
Wed Jan 31, 2018 9:01 pm
Forum: Personal Consumer Issues
Topic: LastPass vs Dashlane
Replies: 8
Views: 1638

Re: LastPass vs Dashlane

Thanks so much for taking the time to reply - this has been helpful. I appreciate knowing what happened and didn't happen in the LastPass breech in easy to understand language. And yes I'll follow the blog so I know whats happening. The whole notion that because both get high marks and being widely ...
by EvelynTroy
Wed Jan 31, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: LastPass vs Dashlane
Replies: 8
Views: 1638

Re: LastPass vs Dashlane

Thank you for your comments -
I understand what you all are explaining - I appreciate the input.
Evelyn
by EvelynTroy
Wed Jan 31, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: LastPass vs Dashlane
Replies: 8
Views: 1638

LastPass vs Dashlane

Been using LastPass (free version) for sometime - recall can't remember when LastPass had some security issue/compromise. Seems like there wasn't any damage done to user accounts. However, pops back in my mind now and then perhaps I should change password managers. Reading up on them Dashlane, the f...
by EvelynTroy
Mon Jan 29, 2018 4:51 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Rising Rates Increase Worries
Replies: 86
Views: 13514

Re: Larry Swedroe: Rising Rates Increase Worries

Obviously I’m a highly biased huge fan of his. But just because I’m biased doesn’t mean I can’t be right. For those who haven’t done so, read his books. The clear thinking, internal consistency, and straight forward relaxed enjoyable delivery make his integrity obvious. Dave I too am highly biased,...
by EvelynTroy
Thu Jan 25, 2018 7:57 am
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 171
Views: 18502

Re: How does everyone keep track of your portfolio?

Harmony, To get a feel for what M* portfolio mgr. looks like and how to put it to use - https://www.doughroller.net/investing/making-the-most-of-morningstar-portfolio-manager/ I've never gotten spam, or ads related to M* by using the free portfolio mgr. I use the M* portfolio mgr. along with this sp...
by EvelynTroy
Wed Jan 24, 2018 10:54 am
Forum: Investing - Theory, News & General
Topic: Importance of FDIC Insurance
Replies: 17
Views: 1536

Re: Importance of FDIC Insurance

Article explains the importance of FDIC insurance and also offers another providing an overview of bank safety - you can also check on the health of particular banks/credit unions using https://www.depositaccounts.com/blog/safety-money-deposit-insurance.html If you are not concerned about the financ...
by EvelynTroy
Wed Jan 24, 2018 9:00 am
Forum: Investing - Theory, News & General
Topic: Malkiel -Investing In Overpriced World WSJ
Replies: 20
Views: 3070

Re: Malkiel -Investing In Overpriced World WSJ

I read the article closer - Malkiel notes: All investors should hold at least 10% of their stocks in emerging-market equities, and allocations up to 25% would not be imprudent today. I think this advice to say "all" doesn't work for me. Strategies that work, broad diversification, rebalancing, and c...
by EvelynTroy
Wed Jan 24, 2018 8:48 am
Forum: Investing - Theory, News & General
Topic: Malkiel -Investing In Overpriced World WSJ
Replies: 20
Views: 3070

Malkiel -Investing In Overpriced World WSJ

Boglehead type advice from Burton Malkiel -he makes reference to Mr. Bogle, i.e. market timing is losing proposition. Yes market is overpriced need to be aware that no valuation metric can predict the future with accuracy. Strategies that work, broad diversification, rebalancing, and control costs. ...
by EvelynTroy
Fri Jan 19, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Can You Say...Auto Insurance
Replies: 36
Views: 2829

Re: Can You Say...Auto Insurance

I agree with Bottlecap - your coverage is not all that strong - you might want to discuss your coverage limits with the agent. I have found it helpful to work with an insurance broker - the broker shops across multiple companies for the best coverage/value. Every two years (think its two years) the ...
by EvelynTroy
Thu Jan 18, 2018 7:47 am
Forum: Investing - Theory, News & General
Topic: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?
Replies: 121
Views: 8007

Re: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?

Confused - not sure if it would make the topic more confused, but.. On opposite end the forum's well respected FinanceBuff is offering a service to help you find a low-cost investment advisor in your area. Interesting concept - I’m offering to be your personal scout to search and screen for advisors...
by EvelynTroy
Thu Dec 28, 2017 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Now, here it is: My 40 Year Investment Plan. I would appreciate any advice!
Replies: 29
Views: 3106

Re: Now, here it is: My 40 Year Investment Plan. I would appreciate any advice!

Tip of the cap to you solarascent to be 25 yrs. and getting focused on your future, i.e., saving and investing. You're receiving lots of good advice and direction - priceless. Take your time and really think thru the advice you are given - don't be quick to disagree. I can only address the bank topi...
by EvelynTroy
Wed Dec 27, 2017 3:06 pm
Forum: Investing - Theory, News & General
Topic: Ally 1-year 2.0% CD vs. USAlliance 3-year 2.4% CD
Replies: 5
Views: 1673

Re: Ally 1-year 2.0% CD vs. USAlliance 3-year 2.4% CD

Kevin, The Ally 1-year CD at 2.00% APY is a great deal, with the closest competitor at 1.80% (according to DepositAccounts.com). However, for investment horizons of three years or more, the 35 month USAlliance credit union CD at 2.40% APY might be a better bet, I'm looking at DA and also the USAllia...
by EvelynTroy
Tue Dec 19, 2017 12:41 pm
Forum: Investing - Theory, News & General
Topic: Where do you read financial news?
Replies: 39
Views: 3871

Re: Where do you read financial news?

Not where to you read financial news but rather "how to read the financial news." Recent article from the ever sensible, and clear thinking Morgan Housel. Doesn't exactly address the OP's question, but I found good value in this article: http://www.collaborativefund.com/blog/how-to-read-financial-ne...
by EvelynTroy
Tue Dec 12, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: prudent buying a refurbished laptop?
Replies: 25
Views: 1956

Re: prudent buying a refurbished laptop?

Couple of weeks ago I purchased this Lenovo 2 in 1 laptop $199 - http://www.microcenter.com/product/486059/ThinkPad_Yoga_11e_116_2-in-1_Laptop_Computer_Refurbished_-_Black Works perfectly, not a scratch on it - I didn't need anything fancy, or powerful. Its fits the bill perfectly for my needs. Over...