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MrRuffles

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MrRuffles
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  • If you have any business income, Amex offers a business checking account that currently pays 1.1%.
  • I am seriously considering moving some if not all of my position in TMSRX to PMEFX. FYI, co-manager Mark Saylor left the fund in October. Apparently, the fund is only available directly from Penn Mutual. Fred It’s available at Schwab with a TF.
    in TMSRX Comment by MrRuffles January 11
  • Former owners of Berwyn funds became owners of Chartwell funds in 2018, and now will become owners of Carillion Chartwell funds. Wasn’t it vice versa? Chartwell bought Killen Asset Management, the owners of Berwyn Funds, and then proceeded to total…
  • The CEO sent out an email apologizing for the problems people are having connecting to Schwab: Link I’m on Quicken for Mac and switched over to the new Schwab connection early in the process and haven’t encountered any issues.
  • Any statement from WordPress would be needlessly confusing. They (and their software) aren’t the cause of the breach - it’s clear that this is solely a GoDaddy issue. It wouldn’t surprise me if other software packages on GoDaddy’s platform have simi…
  • First, don’t panic. GoDaddy is only one of a multitude of web hosting companies that offers WordPress to its customers. GoDaddy doesn’t own WordPress or control WordPress accounts that are hosted elsewhere. This breach only affects WordPress accou…
  • I added to GISYX last week at Fidelity. The fund has been soft closed at brokerages for a while. GPEOX (not mentioned here) is hard closed at brokerages. Both were announced at the same time if my memory is still good. Here is some trivial info…
  • Mrs. Ruffles has a couple of inherited 403(b)s with TIAA - they send RMD calculations at the beginning of each year and allow you to set up the account to withdraw them on your chosen schedule. What they don’t do (unlike Fidelity) is allow you to sp…
  • NESIX is also available at T Rowe Price brokerage for a minimum of $1000 and NTF. Is there any way of seeing what funds TRP offers NTF without having a brokerage account?
  • Nope, it must stand for Cecil Just Kidding because we all know who is really posting these blind (which is what Cecil means).
  • How now Dow - where are they now? Honeywell Kraft Heinz ViacomCBS Citigroup GM GE/Comcast Grupo México Alstom Transformco Florida Crystals Corporation Goodrich Corporation/Michelin ExxonMobil British American Tobacco PLC Navistar International Chev…
  • Without regard to the SSN/TIN limit issue, the requirements for registration of a trust as an entity are pretty general without any specific limits on the type of trust: Trust (Trustee of a Trust). A trust form of registration is available.
  • IMHO, this is the best "cash" option available today if your holding period is at least one year. However, you can only purchase $10K of I-Bonds per year (additional $5K possible using tax refund). The $10k limit is per individual/account. Spouses…
  • Thanks for mentioning; I hadn't looked in a while. How about NEAIX? You'd have to be convinced about tech, though! NEAIX is more growthy and multi-cap (it’s about evenly split between large, mid, and small caps) than I’m looking for. Has a higher …
  • I’ve been looking at this issue myself and there’s one important wrinkle to keep in mind. While you can take your total RMDs from any or all of your affected accounts, the accounts must all be of the same type. For example, if you have both IRAs and…
    in RMDs Comment by MrRuffles October 2021
  • Always enjoy and am educated by your discussions, but as a VITA tax preparer, I do have a minor quibble with the tax rate charts you referred to - they don’t make clear that the brackets don’t refer to household income but to taxable household incom…
  • Do you own any funds (aside from Vanguard, Fidelity, D&C) that are available (with or without TF) at Schwab, or Fidelity, or TDAmeritrade, or most any other brokerage? Then you're paying an extra fee to own those shares, whether you bought t…
  • “Freeloading” is in the eye of the beholder. If Vanguard, Fido, and D&C don’t want to pay Schwab its shelf fee then that’s good for their fund owners. Why should I pay extra fees because someone else wants the convenience of buying their funds t…
  • I've used secure messaging to avoid phone calls for non-urgent questions. Borrowing a Flagship ID seems like a good hack to facilitate contact with an actual human being. But as the Inky article points out, if you’re not a Flagship client you’re goi…
  • Rforno, what is the effective date of the revised fees structure you mentioned? Every place on the TDA site I looked it still shows the old pricing. I also checked Standard Retail Pricing: Commissions and Fees document revised 08/21 - TDA 4075 F …
  • Just for comparison’s sake, here’s the daily average trading volume for the Avantis ETFs run by DFA alumni which have been around for just shy of two years and cover a similar space: AVUV Avantis U.S. Small Cap Value 147,014 AVUS Avantis U.S. Equi…
  • Couldn't access because they only ALLOW NON SUBSCRIBERS 3 articles. Would you print out this article and the June 14th as well? I have a free (not premium) account on Seeking Alpha and I’m able to access articles without any limits.
  • Actually, I’d rather if I didn’t have to look harder to see where companies stand. Instead of hiding behind lobbyists, trade associations, and bland statements of noncommittal, companies should be more, not less, transparent. Even if I don’t agree …
  • Is there any escape, or partial escape from the wokeness? What companies do you know of that don't take sides on political social and moral issues? Also, which of the fund families do you think is least woke? Not every company makes explicit publi…
  • @msf You are correct. I “assumed” the interaction was with his/her adviser they selected or was assigned to their portfolio. If it was a generic phone call to the brokerage, one cannot expect advisor advice. If your portfolio is self managed, you wi…
  • Afraid I do have questions about how Fido’s cash brokerage works. Here’s my current understanding: - Moving money from RPGAX to PRSIX would involve first transferring from RPGAX into their cash management account and than reinvesting it into PRSI…
  • @hank, I believe TMSRX is a TF fund at Fidelity. Even so you can do "automatic investment" at specific amount and date for purchase, $5 fee. No fee for selling TF funds. Other TRF funds are on no-transaction fee platform. Each brokerage is differ…
  • "..through the electronic channels..." Yes. A phrase which COMMUNICATES nothing. Well, to this tail-end boomer, that easily reads as through their website, app or automated telephone service (which I can’t believe is still a thing). Basically, if y…
  • baron list is bogus! out of fifty top brokerage houses, no listing at all for the very best: charles schwab! do you know how you become best doc in NJ. you buy the plaque each year. failure to purchase and you are delisted next year. us news and wo…
  • Along those lines, another thing to keep in mind is that some brokers offer a higher level of service based on the total assets you have with them. Fido’s Premium Service kicks in when your household has over $250K in its accounts. Schwab used to, b…
  • Fido Cash Management - no minimum for any account Also, no minimum to open a Fido brokerage account: https://www.fidelity.com/why-fidelity/pricing-fees Fidelity Account Opening/Transfer No minimums at Schwab either: https://www.schwab.com/pricing…
  • @hank PRIHX is available NTF at both Fido and Schwab so you could easily transfer your holdings. Some funds do have short-term redemption fees but they’re clearly laid out. It’s been a while since I opened a new account but I think you can do it …
  • If you’re happy with your TRP funds but not happy with their service, are you planning on transferring your TRP funds in-kind to a new house? Both Schwab and Fido offer most TRP funds NTF (Based on my limited data, Schwab seems to have the edge in n…
  • No shortages or price issues at our local supermarket for chicken thighs, legs, or breasts - they’ve got plenty at the typical sale prices. Haven’t paid much attention to wings since they tend to fly under our radar.
  • Check out this open source SS strategy calculator that take all these various permutations into account: https://opensocialsecurity.com/
  • NYT Obit: https://www.nytimes.com/2021/05/06/business/david-swensen-dead.html?action=click&module=Well&pgtype=Homepage&section=Obituaries
  • We just refinanced our mortgage and had to get an updated replacement estimate from our insurance company. Compared to the estimate we got about 4 1/2 years ago, replacement costs went up about 40% which meant that even though we reduced our mortgag…
  • Looks like they pilched the entire ROFIX team to run the fund: https://www.morningstar.com/articles/1034432/strong-performing-value-funds-management-team-resigns https://www.feim.com/our-firm/about-us/news/first-eagle-investment-management-establis…
  • I agreed to be a beta tester, but all I see is an upgraded home page with the same information ( without the portraits of the band of renowns, thank goodness, who needs to see Benz face day after day after day?) But the portfolio manger is the sam…