Search found 290 matches

by EvelynTroy
Fri Nov 06, 2015 10:02 am
Forum: Investing - Theory, News & General
Topic: Understanding performance data in A. Roth article
Replies: 5
Views: 738

Understanding performance data in A. Roth article

Hello - I have learned a lot from articles by Allan Roth - his writings are always clear and easy to understand. I would like to understand how the performance figures in this article have been calculated, or where I could see the same results. What type of performance is Mr. Roth showing? When I lo...
by EvelynTroy
Thu Nov 05, 2015 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: need spreadsheet for tracking CD's interest
Replies: 25
Views: 1901

Re: need spreadsheet for tracking CD's interest

No I didn't bother looking at your YouTube video link - I was frankly irritated by your snarkiness which you continue to show. I use Youtube videos all the time to learn all sorts of things - and example something that was kind of funny - I thought it had been quite awhile since the air filter was c...
by EvelynTroy
Tue Nov 03, 2015 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: need spreadsheet for tracking CD's interest
Replies: 25
Views: 1901

Re: need spreadsheet for tracking CD's interest

Thank you JzinCo for the offer - very kind of you. The one that someone sent me will work just fine - I can see the formula for adding the columns. I could not visualize how this would be set-up before even though I had tried to set up the rows and columns and really got no where fast - whole reason...
by EvelynTroy
Tue Nov 03, 2015 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: need spreadsheet for tracking CD's interest
Replies: 25
Views: 1901

Re: need spreadsheet for tracking CD's interest

And what software are you going to use for this spreadsheet? Do you have Excel? Or are you going to need someone to create a Google Sheets for you so that you can stay on the Google platform? -------------- No I do not have Excel - nor do I need it. I can convert any spreadsheet to a Google Sheets ...
by EvelynTroy
Tue Nov 03, 2015 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: need spreadsheet for tracking CD's interest
Replies: 25
Views: 1901

Re: need spreadsheet for tracking CD's interest

I'm about done with this topic - however, few things. I politely and respectfully requested if someone could point me to a spreadsheet that might be available what I got was a lecture and a snarky reply that was said why bother us when any idiot can build a simple spreadsheet - of course there are n...
by EvelynTroy
Tue Nov 03, 2015 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: need spreadsheet for tracking CD's interest
Replies: 25
Views: 1901

Re: need spreadsheet for tracking CD's interest

Well Kosmo, I'll respectfully disagree with your assessment. There are many, many widely publicly shared financial spreadsheets available - for example right here on bogleheads are several different spreadsheets that do a variety of financial/portfolio related tasks. I just thought someone knew of o...
by EvelynTroy
Tue Nov 03, 2015 11:22 am
Forum: Investing - Help with Personal Investments
Topic: need spreadsheet for tracking CD's interest
Replies: 25
Views: 1901

Re: need spreadsheet for tracking CD's interest

The difficulty is I am a very beginner user of spreadsheets - therefore I am looking for one that has been created and shared that I can just plug in my CD's, when they come due, interested earned each month, and calculates a running total. Yes I understand there are several spreadsheet options avai...
by EvelynTroy
Tue Nov 03, 2015 10:24 am
Forum: Investing - Help with Personal Investments
Topic: need spreadsheet for tracking CD's interest
Replies: 25
Views: 1901

Re: need spreadsheet for tracking CD's interest

Thank you go-mets for the reply. I have 4 CD's that I purchased online and only receive online statements each month - also 2 brokered CD's. I can easily see the individual CD's updated interest amount what I wish to do is have all of the CD's listed in one place, i.e. a spreadsheet - wherein I can ...
by EvelynTroy
Tue Nov 03, 2015 8:56 am
Forum: Investing - Help with Personal Investments
Topic: need spreadsheet for tracking CD's interest
Replies: 25
Views: 1901

need spreadsheet for tracking CD's interest

Hello - Spreadsheet beginner here. If anyone could point me to a simple spreadsheet (I use google sheets, but could convert an Excel SS) - that would allow me to maintain a list of my CD's providing the date of maturity, ifs its a taxable or held in IRA account, the interest earned of each CD, and k...
by EvelynTroy
Sun Oct 25, 2015 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Purchased brokered CD - was it a mistake?
Replies: 9
Views: 2078

Re: Purchased brokered CD - was it a mistake?

pocketcruiser, Thank you for your reply, but wanted to note. I don't purchase CD's based on any market conditions now or in the future. My portfolio fixed income is considered the safe money - taking risk on the equity side. The CD's provide guaranteed return, which is assuring, combined with the FD...
by EvelynTroy
Sun Oct 25, 2015 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Purchased brokered CD - was it a mistake?
Replies: 9
Views: 2078

Re: Purchased brokered CD - was it a mistake?

Thank you in-reality - I purchased both these CD's at par - they were new issue CD's. I thought an advantage to brokered cd was that you could sell it? Allan Roth notes when writing about brokered CD's: A key difference between these CDs and the ones you buy from banks is that brokered CDs trade lik...
by EvelynTroy
Sun Oct 25, 2015 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Purchased brokered CD - was it a mistake?
Replies: 9
Views: 2078

Purchased brokered CD - was it a mistake?

Hello - I've been in, seems forever process of dropping, low cost fee-only advisor and transitioning to managing the 3 account (IRA, Taxable, Roth IRA) portfolio myself. As an aside - portfolio 60% fixed income/40% equity - using basic ETF index funds that have no transaction fees at TD Ameritrade. ...
by EvelynTroy
Fri Oct 16, 2015 12:50 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 330
Views: 34266

Re: Northwest FCU 3-year 3.04% Add-On CD

My funds were also pulled from my external account today to fund the 3-yr. 3.04% CD. Big thank you to Kevin for pointing this CD out so promptly to all of us. I have an RSS news feed set up for depositaccounts.com -but for some strange reason I got unlinked from my newsreader about the time this CD ...
by EvelynTroy
Sat Sep 26, 2015 7:10 am
Forum: Investing - Theory, News & General
Topic: Investment advice to my kids
Replies: 15
Views: 2060

Re: Investment advice to my kids

NSBCO - Along the lines of investment advice to young people I like Charles Ellis' "letter to the grandkids" - I think its timeless, and is one of those articles that should be read by all investors. Might be worthwhile to format it nicely, print it out and give each a copy - and have some family di...
by EvelynTroy
Thu Aug 20, 2015 12:02 pm
Forum: Investing - Theory, News & General
Topic: 25 Month CD at 2.27% at US Alliance Federal Credit Union
Replies: 24
Views: 6290

Re: 25 Month CD at 2.27% at US Alliance Federal Credit Union

Yes the 25 mo. 2.27% promotion did end yesterday. However, there is this one - that I faxed my application and transfer paperwork today for that might work for you: MyChoice CD Special - Add 0.50% to ANY CD Rate (excluding specials) Minimum to open a CD is $500. eStatements are required. First time ...
by EvelynTroy
Thu Aug 20, 2015 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Retiring Couple with some money to invest
Replies: 11
Views: 2026

Re: Retiring Couple with some money to invest

Claquet, Previous poster said, "cd's are not investing" This pronouncement leads me to provide a reminder - very well-meaning people can provide advice that is right for them, and their opinion, but is not necessarily fact. My advice and I'm not expert, be cautious. Cd's can be a very important part...
by EvelynTroy
Tue Aug 18, 2015 9:08 am
Forum: Investing - Theory, News & General
Topic: 25 Month CD at 2.27% at US Alliance Federal Credit Union
Replies: 24
Views: 6290

Re: 25 Month CD at 2.27% at US Alliance Federal Credit Union

Thanks to KevinM for his detailed blog post describing his US Alliance experience. Last month I had a US Alliance CD mature - all went smooth and efficient getting the CD cashed in; also the opening of the CD, any calls I made to US Alliance all were nicely handled. No problems at all with this CU f...
by EvelynTroy
Wed Aug 05, 2015 7:39 am
Forum: Investing - Theory, News & General
Topic: Allan Roth
Replies: 13
Views: 2287

Re: Allan Roth

I too believe Allan Roth has a lot to offer investors. I particularly like his approach to using/recommending going directly to banks and credit unions for good paying CD's for the fixed income side of portfolios - just so sensible. Mr. Roth's portfolio if interested: http://blog.aarp.org/2015/06/15...
by EvelynTroy
Thu Jul 30, 2015 8:07 am
Forum: Investing - Help with Personal Investments
Topic: reorganizing portfolio -need international suggestions
Replies: 1
Views: 263

reorganizing portfolio -need international suggestions

Some months back I received guidance here on simplifying my portfolio and dropping my very low cost fee-only advisor - big thank you again for the help and direction, in particular to KevinM. I'm now tackling this project. :D I have decided to remain with TDAmeritrade and simply move my portfolios (...
by EvelynTroy
Thu Jun 25, 2015 12:54 pm
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 220
Views: 37113

Re: What was the 2008 crash like in real time?

ajacobs6, Not the 2008 crash, but the decline in 2011 gave us a very memorable post from boglehead nisiprius. It was written in real time then. It is one of those "keepers" - print this out and refer to it every now and then for me. I hope you find it helpful as you evaluate your own portfolio/asset...
by EvelynTroy
Tue Jun 09, 2015 1:03 pm
Forum: Investing - Theory, News & General
Topic: 9 Funds for a Rainy Day
Replies: 16
Views: 4096

Re: 9 Funds for a Rainy Day

You can see the other 8 funds by going to the article:

http://www.kiplinger.com/slideshow/inve ... index.html

then at top right side you will see Print/View as Single Page
Click that link and you will see all 9 funds in a single page/column
by EvelynTroy
Fri May 15, 2015 8:14 am
Forum: Investing - Theory, News & General
Topic: Bill McNabb interview (2 hrs. this weekend)
Replies: 8
Views: 2523

Bill McNabb interview (2 hrs. this weekend)

From Barry Ritholz @ Bloomberg. This weekend 2 hour interview with Bill McNabb, CEO and Chairman the Vanguard Group. Introduction to the interview here with link at the bottom to this weekend's interview: http://www.ritholtz.com/blog/2015/05/vanguard-ceo-we-want-to-drive-costs-even-lower/ It looks t...
by EvelynTroy
Sun May 10, 2015 11:56 am
Forum: Investing - Theory, News & General
Topic: Own Berkshire-A but not getting annual letters/meeting invitation
Replies: 6
Views: 2216

Re: Own Berkshire-A but not getting annual letters/meeting invitation

I attended the meeting years ago - I was a guest of a shareholder - as a shareholder you should receive 4 tickets/credentials. Here is where I would go for detailed information on how to receive your invitation, when to make reservations, any other details about the meeting - the Berkshire discussio...
by EvelynTroy
Mon Feb 23, 2015 11:41 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 439
Views: 82339

Re: Schwab Intelligent Portfolio Details

Perhaps of interest - The Finance Buff (Harry Sit) has written on Schwab Intelligent Portfolios this a.m.

http://thefinancebuff.com/schwab-intell ... r-you.html
by EvelynTroy
Sun Jan 18, 2015 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review help re to dropping advisor
Replies: 17
Views: 2706

Re: Portfolio Review help re to dropping advisor

Big apology for not responding to the discussion and leaving things in the air - different things came up and I just couldn't focus. Sincere thanks for responses and suggestions in particular retiredjg and KevinM - all well thought out and gives me a structure to think about decision making. I'm wor...
by EvelynTroy
Fri Jan 09, 2015 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review help re to dropping advisor
Replies: 17
Views: 2706

Re: Portfolio Review help re to dropping advisor

Charles Schwab is able to hold DFA funds. The local office helped me with paperwork in person. No cost to transfer. No annual fee to hold the funds. No charge to sell. I cannot buy any more unless I pay for a DFA advisor. So far, no complaints. That's interesting tallinvestor - its the same with TD...
by EvelynTroy
Fri Jan 09, 2015 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review help re to dropping advisor
Replies: 17
Views: 2706

Re: Portfolio Review help re to dropping advisor

You say SGOVX is 7.3% of your portfolio, which would mean that your total portfolio value is about 182,000/0.073 = about $2.5M, which is low seven figures, not high six figures. ------------------ I may not have written those percentages correctly. The 7.3 % is - 7.3% of my Non-U.S. Stock holdings ...
by EvelynTroy
Thu Jan 08, 2015 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review help re to dropping advisor
Replies: 17
Views: 2706

Re: Portfolio Review help re to dropping advisor

Kevin, So for every $1,000 of gain, your maximum capital gains tax would be $210 (15% + 6% = 21% x $1,000). Assuming maximum state tax rate of 6%, it could be as low as $60 per $1,000 of gain if you end up in the 15% federal tax bracket (0% federal cap gains rate). For SGOVX looking at my statement ...
by EvelynTroy
Thu Jan 08, 2015 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review help re to dropping advisor
Replies: 17
Views: 2706

Re: Portfolio Review help re to dropping advisor

Thanks very much for the replies - I'll fill in some questions some of you had first. - SGOVX holding has been held since somewhere around 2004. I was able to purchase it at the time without the 5% load. I have not added anything to the holding since the initial purchase. I do not reinvest those div...
by EvelynTroy
Thu Jan 08, 2015 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review help re to dropping advisor
Replies: 17
Views: 2706

Portfolio Review help re to dropping advisor

Hopefully I have prepared my portfolio information in good format for review. Emergency Funds: 6 months of cash, plus an at the ready home equity loan set up for $20,000 should funds be needed quickly. I have not included the cash in my portfolio allocations. Debt: Have no debt of any kind, i.e. cre...
by EvelynTroy
Fri Sep 26, 2014 8:29 am
Forum: Investing - Theory, News & General
Topic: It's pretty freaky watching your stocks go up & down all day
Replies: 60
Views: 7821

Re: It's pretty freaky watching your stocks go up & down all

Perhaps some guidance and wisdom by nisiprius - I always thought this post should have been a "sticky" for easy reference. I saved and reread every now and then. IMHO required reading for all investors. A Time To Evaluate Your Jitters http://www.bogleheads.org/forum/viewtopic.php?f=1&t=79939 Evelyn
by EvelynTroy
Wed Sep 10, 2014 8:43 am
Forum: Investing - Theory, News & General
Topic: How much value can an advisor add for the average investor?
Replies: 71
Views: 7273

Re: How much value can an advisor add for the average invest

The topic of financial advisors in one form or another comes up fairly often - I have posted before on this topic and will add some real life examples of the value added topic. Its probably way too long - but hopefully readers will find something that adds to the discussion. A bit of background - pe...
by EvelynTroy
Sun Sep 07, 2014 9:00 am
Forum: Investing - Theory, News & General
Topic: J. Zweig - smart investors you should follow - bogleheads
Replies: 19
Views: 3091

J. Zweig - smart investors you should follow - bogleheads

Jason Zweig's column this week discusses new research on what's called "shared attention." As a result Mr. Zweig.."the investors you follow may be as important to your financial results as the investments you own. If the people you pay attention to are excitable and impulsive, they may overreact to ...
by EvelynTroy
Sun Jun 01, 2014 9:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard or DFA? "Vanguard, in a landslide..."
Replies: 54
Views: 6036

Re: Vanguard or DFA? "Vanguard, in a landslide..."

Claims are repeatedly made that access to DFA can be obtained very inexpensively, but nobody ever seems to give an actual name of an advisor that offers this -- making a point ad nauseum without actually answering the question isn't very helpful and probably explains why it keeps coming up http://w...
by EvelynTroy
Sun Apr 20, 2014 10:09 am
Forum: Investing - Theory, News & General
Topic: Floating Rate Treasuries - J. Zweig
Replies: 3
Views: 889

Floating Rate Treasuries - J. Zweig

Floating rate Treasuries as a CD alternative. (Jason Zweig) Mr. Zweig references Allan Roth and Ken @ depositaccounts.com http://online.wsj.com/news/articles/SB10001424052702304626304579509593831505978 If you are not a wsj subscriber - google this exact title: Floating A Few Cents to Investors The l...
by EvelynTroy
Sat Apr 19, 2014 6:52 am
Forum: Investing - Theory, News & General
Topic: Book for 20 Year Old Beginner
Replies: 16
Views: 1934

Re: Book for 20 Year Old Beginner

Two suggestions - The Elements of Investing - By Burton G. Malkiel, Charles D. Ellis The book is divided into 5 simple familiar concepts: 1. Save regularly and start early. 2. Take advantage of tax efficient retirement investment vehicles. 3. Diversify broadly: Own the whole market. 4. Rebalance ann...
by EvelynTroy
Sun Apr 06, 2014 8:45 am
Forum: Investing - Theory, News & General
Topic: Barclay 5 yr. CD and Dream account savings
Replies: 5
Views: 1552

Re: Barclay 5 yr. CD and Dream account savings

Thank you for the replies and the calculations. I appreciate the help.
Rustymutt, I understood the details that were written; I just did not know how to calculate the results.
Using the term "gimmicky" was probably wrong use.
Evelyn
by EvelynTroy
Sun Apr 06, 2014 7:49 am
Forum: Investing - Theory, News & General
Topic: Jonathan Clements to return to Wall Street Journal Sunday.
Replies: 29
Views: 4163

Re: Jonathan Clements to return to Wall Street Journal Sunda

Mr. Clements has provided an introduction to his WSJ column this morning -like others I'm looking foward to his return: http://online.wsj.com/news/articles/SB10001424052702303325204579463490033935638?mod=WSJ_hpp_MIDDLENexttoWhatsNewsForth&mg=reno64-wsj&url=http%3A%2F%2Fonline.wsj.com%2Farticle%2FSB1...
by EvelynTroy
Sun Apr 06, 2014 7:04 am
Forum: Investing - Theory, News & General
Topic: Barclay 5 yr. CD and Dream account savings
Replies: 5
Views: 1552

Barclay 5 yr. CD and Dream account savings

From depositaccounts.com: "The 5-year CD at Barclays now has a 2.25% APY. This is a very good deal especially when you consider it has a mild early withdrawal penalty of 6 months of interest. The blog post describes how good of a deal this is even if you prefer short-term CDs." Perhaps the CD is of ...
by EvelynTroy
Fri Apr 04, 2014 4:16 pm
Forum: Investing - Theory, News & General
Topic: Free "If You Can" Kindle and .pdf eBook
Replies: 54
Views: 18410

young investors a new Wm. Bernstein e-booklet

[Thread merged into here, see below. --admin LadyGeek] I noticed this link on The FianceBuff today: William Bernstein wrote a short Kindle e-book for young investors: If You Can: How Millennials Can Get Rich Slowly. It’s $0.99 now on Amazon. I heard it will be free on Saturday April 5. http://www.a...
by EvelynTroy
Tue Feb 25, 2014 7:27 am
Forum: Investing - Theory, News & General
Topic: Betterment portfolio optimization
Replies: 76
Views: 16365

Re: Betterment portfolio optimization

Hope this is appropriate thread to post this info. I ran across regarding Betterment. Example of exorbitant Betterment fee - In the updated user agreement, Betterment will charge a fee of up to $1000 for an in-kind transfer - An in-kind transfer, also referred to as a full Automated Customer Account...
by EvelynTroy
Fri Jan 24, 2014 6:35 am
Forum: Personal Consumer Issues
Topic: Help please - buying PC
Replies: 30
Views: 3601

Help please - buying PC

Purchasing a PC before too long - mine is Windows Vista and starting to freeze up, run slow, etc. I've reformatted hard drive once. And I'd just like a new one. PC use is basic - internet, email, editing photos/Picassa, basic word processing. I want a desk-top, a small or slim desk top. I like the i...
by EvelynTroy
Sun Jan 19, 2014 9:34 am
Forum: Investing - Theory, News & General
Topic: CRSP Indices
Replies: 3
Views: 775

Re: CRSP Indices

Rick Ferri wrote on the subject of Vanguard changing to the CRSP indexes - he seems to be pleased with the change:

http://www.rickferri.com/blog/investmen ... p-shuffle/

Evelyn
by EvelynTroy
Thu Dec 26, 2013 10:42 am
Forum: Investing - Theory, News & General
Topic: "John Bogle on All-In Investment Expenses"
Replies: 13
Views: 2831

Bogle on All-In Investment Expenses

http://awealthofcommonsense.com/john-bogle-investment-expenses/ This article is a summary of Jan/Feb. article by Mr. Bogle offered at the CFA Institute site - nearest I can tell it requires a subscription to access: http://www.cfapubs.org/doi/sum/10.2469/faj.v70.n1.1 Snippet: John Bogle has never v...
by EvelynTroy
Wed Jul 24, 2013 10:03 am
Forum: Investing - Theory, News & General
Topic: What did Bogleheads do when the stock market crashed?
Replies: 129
Views: 85229

Re: What did Bogleheads do when the stock market crashed?

Chris, This post by Nisprius may be helpful in guiding you, giving food for thought when the stock market gets dicey - A Time To EVALUATE Your Jitters http://www.bogleheads.org/forum/viewtopic.php?f=1&t=79939 I saved it and read it every now and then - I believe the message needs reinforcing over an...
by EvelynTroy
Sat Jul 06, 2013 6:19 pm
Forum: Investing - Theory, News & General
Topic: 2% 2-year CD
Replies: 12
Views: 3228

Re: 2% 2-year CD

Noticed on depositaccounts.com regarding the USAlliance 2% - 2 yr. CD - Update #2 - 7/6/13: I was just informed by a USAlliance official that they have ended the 2% CD promotion effective immediately. The 13-month and 11-month CD specials are still available. In the comments section where they revie...
by EvelynTroy
Wed Jul 03, 2013 8:47 am
Forum: Investing - Theory, News & General
Topic: 2% 2-year CD
Replies: 12
Views: 3228

Re: 2% 2-year CD

Follow-up regarding the USAlliance 2 yr. 2% CD - I purchased one yesterday - straight forward using the link that was provided @ depositaccounts.com, i.e. the special link set up for depositaccounts.com readers. Anyone is eligible - no gimmicky credit union membership requirements like an active che...
by EvelynTroy
Tue Jun 25, 2013 5:30 pm
Forum: Investing - Theory, News & General
Topic: Is George Zimmer firing = to John Bogle's from Vanguard?
Replies: 17
Views: 1945

Re: Is George Zimmer firing = to John Bogle's from Vanguard?

I didn't have any trouble accessing the articles.
Maybe it is because you are travelling.
I sent you a PM
Evelyn
by EvelynTroy
Tue Jun 25, 2013 5:22 pm
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 55949

Re: Premium Products That Are Worth It To You

I've learned some things in this thread - I'm going to look into those Point6 socks - I love my SmartWool socks and thought they were the Lexus of socks. My list: Holland Grill - made in USA will not flame up. Love it. Toyota Avalon (never thought of it as premium) Oral B Sonic professional electric...
by EvelynTroy
Tue Jun 25, 2013 4:58 pm
Forum: Investing - Theory, News & General
Topic: Is George Zimmer firing = to John Bogle's from Vanguard?
Replies: 17
Views: 1945

Re: Is George Zimmer firing = to John Bogle's from Vanguard?

The non-subscriber google trick - Go to google.com paste in or type in the exact title of article you wish to read, i.e. John Bogle Rejects an Offer To Stay on Vanguard Board When the search results appear the article will be the first or second one on the list. Click on it and the entire article is...