Search found 2103 matches

by Dottie57
Mon Oct 23, 2017 10:21 pm
Forum: Investing - Theory, News & General
Topic: What does a bond crash look like?
Replies: 19
Views: 1001

Re: What does a bond crash look like?

Teague wrote:
Mon Oct 23, 2017 9:54 pm
This ~ 1 minute video nicely illustrates a what a Bond crash could look like:

https://www.youtube.com/watch?v=x-21uPJGXFQ

It left me rather shaken.

I quite enjoyed it.
by Dottie57
Mon Oct 23, 2017 10:12 pm
Forum: Personal Consumer Issues
Topic: What is the best thing to use to hang pictures?
Replies: 29
Views: 1459

Re: What is the best thing to use to hang pictures?

Assuming you have walls made of drywall...the best thing to use to hang anything safely is a dry wall anchor of some sort. Go to home depot and go down the aisle with all the nails/bolts/screws. They'll have an entire section of drywall anchors. I personally prefer something like this: http://www.h...
by Dottie57
Mon Oct 23, 2017 10:07 pm
Forum: Investing - Theory, News & General
Topic: What does a bond crash look like?
Replies: 19
Views: 1001

Re: What does a bond crash look like?

As I near retirement, I've moved to 50% bonds. But keep wondering if I should sell bond funds and buy cd's for the years before SS. A short-term bond fund will return to equivalent value (lower price but higher yield) within a year or so. Intermediate like Total Bond in 5 or 6 years. I have 8 years...
by Dottie57
Mon Oct 23, 2017 9:36 pm
Forum: Investing - Theory, News & General
Topic: What does a bond crash look like?
Replies: 19
Views: 1001

Re: What does a bond crash look like?

I'm going to give you a slightly flip answer. This chart shows the cumulative growth of the Vanguard Total Bond Market Index Fund; it's the balance you would see in your account if you invested $10,000 in the fund and let it grow, with dividends reinvested. The very worst bond crash in the 31-year ...
by Dottie57
Mon Oct 23, 2017 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Wish List
Replies: 5
Views: 419

Re: Wish List

In looking at the list I would probably prioritize it along the following lines: Gas heating stove for TV Room - Likely gives a daily benefit, at least when it's cold Tile bathroom tub area - Also something that you likely see daily also reduce likelihood of mold/seepage Kitchen cabinets - makes th...
by Dottie57
Mon Oct 23, 2017 7:32 pm
Forum: Investing - Theory, News & General
Topic: What does a bond crash look like?
Replies: 19
Views: 1001

Re: What does a bond crash look like?

The duration of Vanguard's bond index fund is currently 6.1%, so a one percent increase in interest rates would result in approximately a 6% reduction in the value of the fund. Like with stocks, knowing what one owns and why it is owned is the key to being comfortable with bonds. Bonds are frequent...
by Dottie57
Mon Oct 23, 2017 6:22 pm
Forum: Investing - Theory, News & General
Topic: What does a bond crash look like?
Replies: 19
Views: 1001

What does a bond crash look like?

I've read that we are in a Bond Bubble and therefore due for a bond crash. What does a bond crash look like? How much will I lose?

I am assuming the government has not gone broke and that U.S. is not at war.
by Dottie57
Mon Oct 23, 2017 5:34 pm
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 231
Views: 62004

Re: I can't believe I am thinking this [Panic and Survival 2008-09]

This was a horrible tome in investing.

However I van say that i've really donewell sine. Just pulled out my yearly 401k statement .

401k total 1/1/2009 : $164,820
401k total today: $675,230

It is hard to say, bur the crisis gave my 401k new life.
by Dottie57
Mon Oct 23, 2017 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: 100% equity allocations v.s equity-bond allocations
Replies: 20
Views: 1365

Re: 100% equity allocations v.s equity-bond allocations

Have you read this thread from sheepdog during 2008-2009 crash

viewtopic.php?f=10&t=25126
by Dottie57
Mon Oct 23, 2017 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: How to make a Will myself?
Replies: 20
Views: 876

Re: How to make a Will myself?

If you want it done right hire an attorney (full disclosure, I am an attorney, but don't do wills). Or try an online service like legal zoom. Otherwise google online and hope if you die it works correctly. My advice would be not to do that, though. And disclaimer, this is not legal advice - you hav...
by Dottie57
Mon Oct 23, 2017 11:52 am
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 231
Views: 62004

Re: I can't believe I am thinking this

So, what is the one thing I would recommend to help a young person through market turbulence? Don't be greedy in good times. Don't invest money that you will "need" in the next 3 to 5 years. Need might mean that you want to buy a new house or auto or take that big cruise in that period, but it also...
by Dottie57
Mon Oct 23, 2017 7:49 am
Forum: Personal Consumer Issues
Topic: Cold feet
Replies: 19
Views: 1477

Re: Cold feet

I have poor blood circulation and my feet and toes get really cold. I am always dreading the fall and winter. At work I use a footrest that warms up and works well. But I need to take my shoes off. But at home there is no real option as I am moving around and about. I have used variety of socks but...
by Dottie57
Sun Oct 22, 2017 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: AA changes age 70
Replies: 10
Views: 1048

Re: AA changes age 70

I have both total bond and total stock as separate funds. My priority is to sell whichever asset is doing best at the time I sell. Yes, it is generally easier to manage investments that are in multiple accounts and to understand what one has if one avoids balanced funds. That does not mean it is a ...
by Dottie57
Sun Oct 22, 2017 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: Help! - New Believer and overwhelmed
Replies: 20
Views: 2187

Re: Help! - New Believer and overwhelmed

Here are OP's fund names and ERs. All data was obtained programmatically via Yahoo! Finance using a program that I wrote. I take no responsibility for errors. :D ( VTI ) Vanguard Total Stock Market ETF -- 0.04% ER ( VOO ) Vanguard S&P 500 ETF -- 0.04% ER ( VBR ) Vanguard Small-Cap Value ETF -- 0.07...
by Dottie57
Sun Oct 22, 2017 8:48 am
Forum: Investing - Help with Personal Investments
Topic: AA changes age 70
Replies: 10
Views: 1048

Re: AA changes age 70

I have both total bond and total stock as separate funds. My priority is to sell whichever asset is doing best at the time I sell.
by Dottie57
Sat Oct 21, 2017 12:06 pm
Forum: Investing - Theory, News & General
Topic: 401k "only" up 13.5% YTD
Replies: 26
Views: 2519

Re: 401k "only" up 13.5% YTD

My 401k is up 10%. and I am thrilled given a conservative allocation of 50/50.
by Dottie57
Sat Oct 21, 2017 9:51 am
Forum: Investing - Theory, News & General
Topic: For those near retirement and rebalanced to Bonds...
Replies: 34
Views: 3400

Re: For those near retirement and rebalanced to Bonds...

We're about 5-6 years out. On the taxable side, we've been increasing our CD allocation to have 2-3 years worth of expenses covered. On the tax-deferred side, nearly all total bond fund and 401k so this has the effect of slowly raising our bond % to a target aa 50/50 by retirement. Question to the ...
by Dottie57
Sat Oct 21, 2017 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Better than 4% Rule
Replies: 31
Views: 3284

Re: Better than 4% Rule

Take a look at a post on Variable Percent withdrawl

viewtopic.php?t=120430


(Sorry for naked link which is now clothed)
by Dottie57
Sat Oct 21, 2017 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Paying for medical school for son?
Replies: 79
Views: 4569

Re: Paying for medical school for son?

Traveler wrote:
Sat Oct 21, 2017 7:47 am
Is your son an only child? If so, why not allow him to start off debt-free in a career that will afford him FI at a relatively early age with opportunities to do whatever he wants in the field (charitable medical work, own practice, whatever)?

+1
by Dottie57
Sat Oct 21, 2017 7:40 am
Forum: Investing - Theory, News & General
Topic: Why do I need bonds? (I'm 30)
Replies: 61
Views: 4571

Re: Why do I need bonds? (I'm 30)

Mostly agree with poster above me.

Two points.

1. Make sure you have money available for bad tomes. You are not immune. Think of bonds as a 2nd tier emergency fund.
2. Re-balancing to AA during bad stock crash. Buy those cheap stocks .

Edit: pay attention to post below!
by Dottie57
Fri Oct 20, 2017 6:25 am
Forum: Investing - Help with Personal Investments
Topic: Looming Retirement & Market Jitters
Replies: 48
Views: 4065

Re: Looming Retirement & Market Jitters

Stop listening to those who know what the market will do.

Make sure you have enough fixed income to pull you through a bad economic time. I have money in cds and bonds. Should carry me to Ss.

Good luck.
by Dottie57
Thu Oct 19, 2017 9:50 pm
Forum: Investing - Theory, News & General
Topic: For those near retirement and rebalanced to Bonds...
Replies: 34
Views: 3400

Re: For those near retirement and rebalanced to Bonds...

I'm 60 at 50/50 allocation. I am happy with how I have allocated. I have done around 10% this year and am happy with it.
Still accumulating but ready tonretire at any time.
by Dottie57
Thu Oct 19, 2017 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Best place to invest (*other* than Vanguard)?
Replies: 27
Views: 2364

Re: Best place to invest (*other* than Vanguard)?

I am at Fidelity and really like it.
by Dottie57
Thu Oct 19, 2017 3:31 pm
Forum: Investing - Theory, News & General
Topic: Is a crash coming soon?
Replies: 64
Views: 5385

Re: Is a crash coming soon?

If you are young, the most effective element of your wealth building is to save more. Assuming you have a reasonable AA, are averaging in with paycheck contributions, and that you don't panic and sell in a crash - then all that's really in your control is the saving part. I don't expect a 30% + eve...
by Dottie57
Wed Oct 18, 2017 8:33 pm
Forum: Investing - Theory, News & General
Topic: The overselling of international diversification
Replies: 56
Views: 4828

Re: The overselling of international diversification

I respect the "Armageddon" argument for buying foreign stocks, but it's overdone, IMO. For example, I don't understand is why anyone who is willing to something as significant as investing their hard-earned money in foreign stocks as a hedge apparently doesn't consider other hedges that would make ...
by Dottie57
Wed Oct 18, 2017 5:51 pm
Forum: Personal Consumer Issues
Topic: Recommendations on quartz countertops
Replies: 9
Views: 959

Re: Recommendations on quartz countertops

I have Cambria. After 5 + years, I stll love it.

He company who installed it used digital photography to do the measurements.
by Dottie57
Tue Oct 17, 2017 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 97
Views: 8463

Re: how long did it take to get used to retirement

It helps if you can cultivate minor obsessions. I have a few: 1) Creating and expanding a logging road on my GF's 10 acre property, with chainsaw and 4WD pickup. 2) Cutting and stacking excessive amounts of hardwood firewood for both my house and the GF's house. 3) Searching out and biking the expa...
by Dottie57
Tue Oct 17, 2017 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: seeking advice on asset allocation, or is Vanguard crazy
Replies: 26
Views: 2596

Re: seeking advice on asset allocation, or is Vanguard crazy

Appreciate all the input. I know it's an unanswerable question but it's helpful to get input from other like-minded investors, which I value far more than financial advisers. This forum has really changed my life for the better, between white coat investor and here my approach to retirement has com...
by Dottie57
Tue Oct 17, 2017 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Grandparents want to give to grandkids
Replies: 33
Views: 3024

Re: Grandparents want to give to grandkids

I don't want to come across as unappreciative but as someone who "paved" their own way without an inheritance along the way I feel that I have benefited tremendously relative to close friends who squabbled their inheritance and/or did not developer a proper work ethic in the real world. I am convin...
by Dottie57
Tue Oct 17, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth applying for Credit Limit Increase?
Replies: 21
Views: 1248

Re: Is it worth applying for Credit Limit Increase?

What do all of you charge that you need such large limits.
by Dottie57
Tue Oct 17, 2017 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 97
Views: 8463

Re: how long did it take to get used to retirement

It's been almost a year for me and I still can't get used to it. The problem is that now that I have so much time, nothing seems very urgent. When I was working, every minute of free time was precious so I would try to cram in all my exercise, all my projects, all my socializing into those very pre...
by Dottie57
Tue Oct 17, 2017 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to make some dollars on a 10 day vacation?
Replies: 57
Views: 5103

Re: Best way to make some dollars on a 10 day vacation?

knowledge wrote:
Tue Oct 17, 2017 10:44 am
From a pure utility POV, you'd likely be much better off taking those 10 days to invest in yourself - your health, happiness, knowledge, skills, etc.
+1. Decompress. Stop thinking of Money for 10 days.
by Dottie57
Tue Oct 17, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: How do you outfit your feet?
Replies: 27
Views: 2421

Re: How do you outfit your feett

New Balance Walking shoes. And nice cushy wool socks in winter, nicethin wool socks in summer.
Barefoot in house or mocassins slippers.
by Dottie57
Tue Oct 17, 2017 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Thinking we are close to winning the game
Replies: 35
Views: 5768

Re: Thinking we are close to winning the game

When I started looking through expenses (check book), i could see spending of $30-$32k. I learned that I needed to add in health insurance and income tax for retirement years. Health Ins from employer is $5550 a year. Am counting on 1k HI before medicare and after retirement. So expenses are much m...
by Dottie57
Tue Oct 17, 2017 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Buying Employer Shares
Replies: 13
Views: 845

Re: Buying Employer Shares

Hello, My employer offers discount of 15% of company shares once a year. I was at lunch table with my colleagues and someone started this topic. It seems 70% of the group bought (discounted) shares. I had a the following conversation (will keep it simple for the purpose of this thread): Colleague: ...
by Dottie57
Sun Oct 15, 2017 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: First time poster:NEED HELP! We are total newbies and late to the game*updated
Replies: 31
Views: 2327

Re: First time poster:NEED HELP! We are total newbies and late to the game

Hi Dottie57, Thanks for your reply. Our monthly/yearly expenses are very low. We have no debt other than our mortgage . Our children are grown. We intend to keep up a very high savings rate up through 58 ( and possibly beyond should my husband decide to continue to work) the 40k includes health ins...
by Dottie57
Sun Oct 15, 2017 9:55 pm
Forum: Investing - Theory, News & General
Topic: Annuities-when and why?
Replies: 94
Views: 13037

Re: Annuities-when and why?

I have a pension, my wife's SSA, and some day my SSA. That's enough annuities for me. I think I can get a better return through investing than with annuities. Possibly, but just be aware that a 7% withdrawal ratio may not succeed in all instances... Please explain where the 7% withdrawal ratio came...
by Dottie57
Sun Oct 15, 2017 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking we are close to winning the game
Replies: 35
Views: 5768

Re: Thinking we are close to winning the game

When I started looking through expenses (check book), i could see spending of $30-$32k. I learned that I needed to add in health insurance and income tax for retirement years. Health Ins from employer is $5550 a year. Am counting on 1k HI before medicare and after retirement. So expenses are much mo...
by Dottie57
Sun Oct 15, 2017 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: First time poster:NEED HELP! We are total newbies and late to the game*updated
Replies: 31
Views: 2327

Re: First time poster:NEED HELP! We are total newbies and late to the game

For swr of 4% you will need at least $1million To generate 40k. You need to more than double you portfolio. Will you sell the home to add funds to your portfolio. Your home is valued at twice your portfolio. Does this seem maintainable? And I don't understand your current expenses of 40k which seem ...
by Dottie57
Sun Oct 15, 2017 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: fidelity netbenefits
Replies: 15
Views: 2014

Re: fidelity netbenefits

Add Fidelity mid caps index.

Post above me is good.
by Dottie57
Sun Oct 15, 2017 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Met with a CFP, not too impressed.
Replies: 29
Views: 5323

Re: Met with a CFP, not too impressed.

I signed a contract with a wealth management company for designing a plan. Cost was $500. Before signing, we talked about expectations. Low fees, indexes, insurance (ltc). He understood what I wanted. He came back with a plan for using proprietary funds from his company at a fairly heavy AUM. His t...
by Dottie57
Sun Oct 15, 2017 1:47 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 6860

Re: What are you driving? And would you buy your current ride again?

2007 Camry Hybrid. Iwould buy it again. But the price for vehicle I want is too high. SoI think in 5 years or so a used Camry with extra safety features is in my future.
by Dottie57
Sat Oct 14, 2017 3:47 pm
Forum: Investing - Theory, News & General
Topic: 10 year anniversary of the beginning of the Great Recession
Replies: 45
Views: 4254

Re: 10 year anniversary of the beginning of the Great Recession

Speaking of the Great Recession, anybody know of a good book that covers what happened at the beginning? Watch the movie "The Big Short"....GREAT movie, and it explains a lot! I have not watched the film "The Big Short;" I've read the book. In general, I think you can learn more from a book than fr...
by Dottie57
Sat Oct 14, 2017 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Met with a CFP, not too impressed.
Replies: 29
Views: 5323

Re: Met with a CFP, not too impressed.

OP, I signed a contract with a wealth management company for designing a plan. Cost was $500. Before signing, we talked about expectations. Low fees, indexes, insurance (ltc). He understood what I wanted. He came back with a plan for using proprietary funds from his company at a fairly heavy AUM. Hi...
by Dottie57
Sat Oct 14, 2017 1:47 pm
Forum: Investing - Theory, News & General
Topic: Which would you rather own: AAPL or S&P 600 Small Cap Index?
Replies: 57
Views: 3267

Re: Which would you rather own: AAPL or S&P 600 Small Cap Index?

As aformer owner of apple in individual stocks, I say go with the index. Apple stock price is subject to rampant speculation. Even when meeting it's quarterly goals and those of Wall Street the price has gone down. Why? Because speculation fed by rumour sites feed into expectations which are wildly ...
by Dottie57
Sat Oct 14, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 135
Views: 10136

Re: anyone else not liking the new cars?

I find that anytime automobiles are drastically redesigned I hate the new design for about 2 years. After about 2 years, I get used to it and don't hate it anymore. It starts to look normal to me at that point, especially as other car mfrs start to copy the design and integrate it into their own mo...
by Dottie57
Sat Oct 14, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 135
Views: 10136

Re: anyone else not liking the new cars?

I would fire the design engineer that did the fronts of the new Toyotas and Lexus. As much as I am dedicated to Toyota/Lexus reliability and track record, the new models are uuuuuggggly. :shock: I also considered the new Lexus LX SUV but not after seeing the front. :oops: +1 Hideous front grill.
by Dottie57
Fri Oct 13, 2017 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer Roth IRA from Fidelity to VG
Replies: 5
Views: 488

Re: Transfer Roth IRA from Fidelity to VG

I too am happy with Fido and puzzled as to why you want to leave. My 401k has vanguard equities but is at fido. My iras are at fido. Like the web site much better than vanguard.