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Tuesday Tales

April 9th, 2019 at 06:03 am

I scheduled my annual advisory checkup with T. Rowe Price for next week. It's just a phone call where they do a little fact-finding about my goals, and then they follow up with nicely detailed recommendations for fine-tuning my portfolio and perhaps making little adjustments to my asset allocation.

I'm always curious to hear what they recommend. I've done this before and followed their advice. It doesn't mean you have to allocate to their funds, and there is no charge if you have a certain minimum invested (again, doesn't have to be with T. Rowe Price.)

Most of my assets are now with Vanguard, but I have left my 2 taxable accounts and a small SEP-IRA with T. Rowe as I didn't want to create a taxable event by trying to transfer those monies over to Vanguard.

The guy I was counting on to assess all the hard-to-access nooks and crannies in the foundation where mice could enter, and then do all the sealing, is so busy he can't get here right away, and I'm farther out than he needs to go for new customers. Apparently, he's quite busy in his own area. He didn't say no not at all, but he said it may take a while...which means this will hold up my insulation job, and actually, the garden window job too, because I'm reluctant to spend on other things til I know just what he would charge.

I suppose I could proceed with the new insulation since cellulose is treated with boride, which repels pests, but I'd much prefer to do the sealing first so I'd be assured mice would not foul the new insulation. I'm feeling committed to doing it this year, and want to keep my mental momentum going, but I will wait...for a time... for sealer guy.

In the meantime, I have another insulation company coming later this week. I'm feeling better informed about my options now and just want to see what they say.

I'm due for an emissions test on my car, which in CT only happens every few years. Will do this week. I should be receiving a check from the auction house soon for the old books I auctioned off. The guy who gave me those books in barter has decided he wants to grow elderberries so he can make elderberry wine. And he has promised to have me up when they drink the wine! I told him I'd be happy to get a bottle of elderberry wine included in our next barter.

My Amazon Prime expires today, and I'm not too worried. Once my .99/month Hulu expires in the 4th quarter, I will investigate Netflix vs Hulu vs Amazon Prime and likely go for the most economical route.

I'm going to the town's genealogy club meeting this week, as the focus will be on researching NJ relatives. Also on my schedule this week is catching the last showing of Green Book at our $3 theater, and walking with a friend after work at least once.

I was able to do a fair amount of yard work this weekend, which included raking up all the twigs and small tree branches under the old apple tree, which was cut down, in preparation for grass seeding, which I'll do later this week.

I cut up (by hand), about 8 feet of an old picket fence to take to transfer station, and cut back the old stems on a bunch of sedums around the front yard and driveway areas. I transplanted 2 small cedar tree seedlings growing in the wrong places. Still a ton more to do, but at least I'm making progress.

2 Responses to “Tuesday Tales”

  1. Dido Says:

    What funds are your assets in at T Rowe Price? If the monies are in funds that are also available through Vanguard, you can do an "in-kind" transfer (e.g. from a SEP IRA at TRP to a SEP IRA at Vanguard, or from a taxable account at TRP to a taxable account at Vanguard) that involves no sales and thus no taxes. It's only when you have accounts that are in exclusive funds that you have to sell to move the monies. That is what is a pain about Wells Fargo and Ameriprise and other brokers--they have their clients in funds that are only available thru them so it becomes too big a tax burden to leave.

    But of course, if you moved everything out of TRP, you wouldn't be eligible for your free annual review with them. Just something to think about.

    Enjoy Green Book--I really liked that movie.

  2. rob62521 Says:

    Sorry about the guy being so busy, but I agree, I would wait before proceeding. That is the most frustrating thing -- waiting on service folks.

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