Horseman

I have the most respect for Vanguard and everything they've done for investors by inventing low cost index funds and the Boglehead philosophy, but I've never used them directly. I do purchase many of their low cost (almost zero) etfs. Of the ones I've used: Fidelity, Bank of America/Merrill Edge and Schwab I like Fidelity the best. Fidelity is where my employer retirement accounts were and where they will stay. And I have a Roth IRA there too for easy 401k conversations. Website is easy and they have a program called Active Trader Pro that you download to your desktop and does everything Schwab's Think or Swim does - at least as much as I use. Phone support, all that top notch. And their default cash sweep accounts automatically pay top interest. I'm sure Schwab is good, I actually have a few grand in an account I left there so I could use Think or Swim ( formerly TD Ameritrade) but really don't need it with Active Trader Pro. From what I remember I didn't really like their website and interface as much as Fidelity. Bank of America is a necessary evil. They are are real bank with branches and checking and savings accounts, but, they are integrated with Merrill Edge. Their websites link to each other and your investment accounts show up on your banking homepage. My brokerage and Roth IRA, along with my wife's IRA, Roth IRA and SEP accounts are there. It's convenient when doing contributions to these accounts because it come directly out of your ƁoA savings or checking account linked to Merrill Edge (unlike employer retirement açcounts that come out of your paycheck). They suck though because they are a bank and they hardly pay interest on savings or cash sweep accounts. You have to get a "preferred deposite" option at Merrel Edge (and its almost like they hide it from you) to get a decent interest rate on cash and it's not a sweep. But it is next day when moving money around. I take advantage of them as much as I can as a Diamond member getting a ton of credit card points etc. All these guys will bother you from time to time pushing a financial manager on you, I just tell them I already have one.

My company provided me with a financial advisor for many years before I retired. I decided not to use them when I did retired because they started pushing their product, they all have one, when they knew I was going to leave the company. Plus if you'd read the book I suggested you'd learn a couple things: 1 - A financial firm and their suite of managed funds do NOT beat regular index funds 80% of the time. And the ones that beat it last year won't beat it this year, historically. Your chances of teaming up with the next Warren Buffet is very very very unlikely. 2 - The one thing you have absolute full control of is expenses. It's not worth paying 0.5 to 1.5% off the top to a firm that is highly unlikely to beat say the S&P Index. Your best friend is low cost index mutual funds or etfs. Fidelity actually has a set of ZERO cost mutual funds (they did that in order to compete with Vanguard, the invenors of the low cost index funds). I have all my retirement accounts at Fidelity and my banking, brokerage and IRA accounts are at Bank of America where I am a Diamond Plus member. When I had a free financial advisor they were helpful reviewing my stuff, telling me if my interpretation of the rules were correct or not and fixing tax problems. My advise is they might be worth a set fee to do that kind of stuff for you, but, not to do the actual investing at a percentage. Just read the book and follow the blueprint. I would have kept my guy on for a few thousand a year, but, I didn't want the sales pitch from him every time we met. Hope that helps.

Sorry, I was thinking about the match up against Colin. Forgot you had totals too.

I've got plenty and can be very selective. Like I said the 10% is part of my allocation plan. It doesn't have to be invested until interest rates drop and I hope they never do. All I've done this week is picked up a little bit of cheap AMZN. My cost basis is now 176.00 when I sold about the same amount a while ago over 220.00. Note: I wouldn't advise anyone to do that. Mostly what happens in a single week or two like this is completely meaningless to me. The vast majority of my money will be working for me for many years. That's why it's hilarious to see people react to a tiny point in time when they would invariably be better off to just set it and forget it. You can't time the market. You can't predict what will happen tomorrow. But, we have a really really good idea where we will be 10 and 30 years from now.

That should do it. 5-0 and 3-0

Start now. Step 1 - Read All About Asset Allocation by Richard Ferri Step 2 - Invest the money sitting there on the sidelines based on what you learned. Step 3 - Get as much cash as you can, while on a payroll, inside tax sheltered retirement accounts. Step 3b - If you don't make enough money get a better or second job. Balance your budget and curb spending. Step 4 - Leave politics and your TDS out of it. It has nothing to do with becoming successful. You're Welcome.

OMG that ball jumped off the face to the right on that last putt but still barely went in.

10% is a large sum of cash for me. Probably 10 years of your salary or so. Understand now? Remember, we discussed this earlier, I couldn't find enough ways to get it all inside tax sheltered accounts or even retirement accounts. I have more invested in a regular brokerage than anything else. It's a nice problem to have.

Corey Conners report to the practice green!!! Leaving them all short.

Make that 3. Jeebus

Conners missed 2 makable birdy putts that would have put him in the lead.

I've got plenty. About 10%. I know its a lot, but a guaranteed 4% in retirement years lowers risk along with what I have in fixed income. You should expect a higher return with the more risk you take on, when you're years out from retirement. I can imagine a day were I'm 50% fixed income and cash, but, it's not today. I can't imagine being 100%, that's just stoooopid.

Mooney has rainbow flags in his/her classroom.

Has the judge been told where this thug is yet?

More green. Imagine that. Imagine being all cash and missing the dow plus 6% and nasdaq plus 12% for the week.

Got these 2 plus End of Round 2 Top 5 Conners +175

I thought you twerps didnt want Trump using the Aliens Enimies Act. Boy if you're OK with them using it and having to challenge it through habeas corpus then we're all in agreement. Weird the liberal judges dissented, should have been 9-0 if libs are really OK with this, but whatever. Sounds like a Win-Win.

All the liberal judges dissented and some how the Geek Club liberals think it wasn't a ruling in Trump's favor. Full on TDS on display.

Really? That's not what CNN is reporting. The in favor judges were all the conservative minus the girl. It didn't go your way homey.

Should go without saying.

You're 0-2 today. Probably time for a break.

I'm just sayin the ruling for the Aliens Enemies Act is thousands of times more impactful and important, on the exact same subject, and people like Hancho don't even know it happened.

Golden Goose says the blowhard. Break that foking goose's neck.

You want to challenge it, that's how you have to do it bub. Sorry.

Funny Tiny Tim picked this ruling about one guy to make a thread about instead of any of the other rulings they made this week in Trump's favor.