Search found 1755 matches

by Dottie57
Thu Aug 17, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 13
Views: 542

Re: Non-fiction bucket list

I don't remeber the name but the author.

Shelby Foote wrote a three part history on th U.S. Civil War.
by Dottie57
Thu Aug 17, 2017 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 77
Views: 4329

Re: Lost $7000 today in ONE DAY!

If you believed in your allocation yesterday, you should believe in it today. Stay the course.
by Dottie57
Thu Aug 17, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: which 27 inch imac to purchase?
Replies: 11
Views: 584

Re: which 27 inch imac to purchase?

Need to purchase an IMAC today. Which one is the best value? Link or /and model would be appreciated especially if from apple store. Also, is it best to just buy the basic or upgrade to faster processor and memory etc? I only want it for watching movies and surfing on the internet. Not sure what el...
by Dottie57
Thu Aug 17, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: Other people's perception of your finances
Replies: 73
Views: 3263

Re: Other people's perception of your finances

If your family members only visit you once in a while, just be gracious. However, if the visits become regular and frequent, then you need to tell them to get a hotel room. I've been told by a relative who lives in a very popular (HCOL) area that people were known to show up at their friends' doors...
by Dottie57
Thu Aug 17, 2017 9:23 am
Forum: Personal Consumer Issues
Topic: Other people's perception of your finances
Replies: 73
Views: 3263

Re: Other people's perception of your finances

Limit visits to your home.

If they show up at your door with asking you, give directions to a motel

Do not let visitors stay if you do not want them at your home. Set up the rules before invited guests stay.

Also, if you visit relatives and stay at their homes, stop it.
by Dottie57
Thu Aug 17, 2017 9:09 am
Forum: Personal Finance (Not Investing)
Topic: quick estate question
Replies: 47
Views: 1653

Re: quick estate question

No will or executor. The attorney said the credit card debt and medical are unsecured debt they are small and they never come after the children for unsecured debts. I will have to call a few other attorneys and see if they give same advice. The executor is supposed to pay the legitimate bills from...
by Dottie57
Wed Aug 16, 2017 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Kitchen Remodel Price/Contractor Dispute
Replies: 26
Views: 2155

Re: Kitchen Remodel Price/Contractor Dispute

Wow.

Like my contracter even better.
by Dottie57
Wed Aug 16, 2017 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 91
Views: 4943

Re: Anyone planning on never retiring?

I'm gonna retire. Maybe Monday, maybe in 5 years. Unless I am dead. I have the beginnings of a plan. Auditing some colkege classes. Pursuing a hobby, maybe selling what I make. Take classes in interesting cities for my hobby. Lots of books to read. Meals with friends. Help mom as she ages.m
by Dottie57
Wed Aug 16, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 119
Views: 5689

Re: Is $9000 too much for a sectional sofa ?

blueberry wrote:
Wed Aug 16, 2017 3:11 pm
You've kind of been put through the wringer by us cheap skates, but the important thing is, sounds like you're happy with the end results of your project and that is the real bottom line!

-bb


+1
by Dottie57
Tue Aug 15, 2017 2:50 pm
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 119
Views: 5689

Re: Is $9000 too much for a sectional sofa ?

If you can keep the sofa looking good for 15-20 years it is fine. Make sure the fabric is tough and sturdy. No thin cottons or sleezing twills.

Put some money into a rec room for the teenagers and banish them and food/drink from the room with sectional couch.
by Dottie57
Mon Aug 14, 2017 10:29 pm
Forum: Personal Consumer Issues
Topic: Retired Boglehead obsession with money- devil's advocate
Replies: 66
Views: 6513

Re: Retired Boglehead obsession with money- devil's advocate

If I get put in a home, I'd rather be in one where I can private pay $14k a month and get real food, tv, a nice environment and enough health care staff to notice whether or not I'm still alive vs being in one where for entertainment, I get to lean against a cement block wall and where a nurse come...
by Dottie57
Mon Aug 14, 2017 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Can we slow down then retire?
Replies: 25
Views: 3912

Re: Can we slow down then retire?

Cleverusername wrote:
Sun Aug 13, 2017 3:29 pm
Interesting regarding health care.

I am now wondering how many possible employers would consider a part timer and offering full health benefits as a perk? Is that out of the norm?
10-20 years ago some employers gave health benefits to part timers. (Target, carbou coffee), but I doubt it now.
by Dottie57
Mon Aug 14, 2017 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: SP500/Total Stock Market
Replies: 23
Views: 1379

Re: SP500/Total Stock Market

Stay the course would mean the portfolio stays the same. My employer changed the company managing 401k at least 3 times in this century. Each time I needed to adjust. But no huge changes in asset allocation untile recently since I will retire with 5 years
by Dottie57
Mon Aug 14, 2017 1:54 pm
Forum: Investing - Theory, News & General
Topic: It's easy to have an investment plan until you get punched in the face
Replies: 53
Views: 6445

Re: It's easy to have an investment plan until you get punched in the face

It would be interesting to study what, if any, the trend toward indexes will have when the next big fall comes. Will people be more likely if they are in a "take what the market gives" rather than "beat the market" state of mind or will people sell at the bottom and be on the sidelines during the r...
by Dottie57
Mon Aug 14, 2017 1:38 pm
Forum: Personal Consumer Issues
Topic: Toyota Camry Repair Priorities
Replies: 71
Views: 3868

Re: Toyota Camry Repair Priorities

I you yourself are not a gearhead, it is difficult to extract 200K from a vehicle. Or you need a good friend who can serve as your auto adviser. You also need an extremely honest and somewhat competent independent shop. Otherwise you are an easy mark for the automotive repair industry to be fleeced...
by Dottie57
Mon Aug 14, 2017 12:48 pm
Forum: Investing - Theory, News & General
Topic: It's easy to have an investment plan until you get punched in the face
Replies: 53
Views: 6445

Re: It's easy to have an investment plan until you get punched in the face

It would be interesting to study what, if any, the trend toward indexes will have when the next big fall comes. Will people be more likely if they are in a "take what the market gives" rather than "beat the market" state of mind or will people sell at the bottom and be on the sidelines during the r...
by Dottie57
Mon Aug 14, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: PSA - Mute button for Gas Station TV!
Replies: 22
Views: 2636

Re: Electric future for us

You are eventually going to run out of places to fill up. Electric car? Our next car will be 100% electric. We live in the city and only put 4500 mi/yr on our car. A typical day of driving is way under 20 miles. Yes, another good reason to go all electric and use your garage as fueling station. As ...
by Dottie57
Mon Aug 14, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: ipad or tablet for hospital?
Replies: 31
Views: 1997

Re: ipad or tablet for hospital?

I'd go with a relatively inexpensive tablet, such as a Kindle Fire, paired with a 30-day free trial of Amazon Prime. Then the person would have access to tons of books, magazines, and music and video streaming, plus the usual Facebooking and general internet surfing. They can drop the Prime subscri...
by Dottie57
Mon Aug 14, 2017 11:43 am
Forum: Investing - Theory, News & General
Topic: Building A Warchest
Replies: 32
Views: 2958

Re: Building A Warchest

I put my money for bad times into CD's with high interest rates ( better than 1%)

Or How about short term tips?
by Dottie57
Sun Aug 13, 2017 8:37 pm
Forum: Personal Consumer Issues
Topic: Heavy Duty Boxes for Long Term Permanent Storage
Replies: 20
Views: 1603

Re: Heavy Duty Boxes for Long Term Permanent Storage

If stuff is living in boxes for years, do you really want to keep it? This right here is the best advice/thought on the topic. There is really nothing ever worth keeping that long. If you don't need it, toss or sell it. I agree - 15 boxes in storage seems like a lot of stuff. I have 0 and I'm in my...
by Dottie57
Sun Aug 13, 2017 1:46 pm
Forum: Forum Issues and Administration
Topic: Please consider setting a time limit of 15 minutes to edit a post
Replies: 31
Views: 2602

Re: Please consider setting a time limit of 15 minutes to edit a post

Terrible idea. Leave it as is. People often make corrections (and not just typos) days later to, for example, take out something that's inaccurate. If you think it's so important to preserve people's posts, quote them when you reply. I often wish the OP of a thread would go back and edit the post t...
by Dottie57
Sat Aug 12, 2017 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Helping Parents: CFP or Elder Law Attorney
Replies: 18
Views: 1554

Re: Helping Parents: CFP or Elder Law Attorney

An elder law attorney should be able to tell you if an annuity for your mom might work well. I don't know the impact of medicare on an SPIA or vice versa, but think you should find out.
by Dottie57
Sat Aug 12, 2017 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Testing Our Allocations Emotionally
Replies: 26
Views: 1632

Re: Testing Our Allocations Emotionally

I've been investing since 1988. I don't need a big market downturn at this point. I've been tested enough.
by Dottie57
Sat Aug 12, 2017 3:10 pm
Forum: Local Chapters and Bogleheads Community
Topic: Minnesota BH Qtrly Meeting 8-12-2017 + Summary
Replies: 19
Views: 1735

Re: Minnesota BH Quarterly Meeting August 12, 2017

Good meeting and interesting topics.

Thanks!
by Dottie57
Sat Aug 12, 2017 2:51 pm
Forum: Personal Consumer Issues
Topic: Your Movie Collection?
Replies: 41
Views: 2683

Re: Your Movie Collection?

aristotelian wrote:
Sat Aug 12, 2017 11:22 am
Handbrake.
Bingo.

Besides Dvd's, i rent and purchase from Apple
by Dottie57
Sat Aug 12, 2017 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Pay down home or increase Retirement Contributions
Replies: 21
Views: 1330

Re: Pay down home or increase Retirement Contributions

Pay a certain amoun extra to mortgage (applied to principal). Put the rest of money to retirement. It doen't have to be all one and nothing for the other.

I paid my mortgage off early but did not neglect retirement.
by Dottie57
Sat Aug 12, 2017 8:34 am
Forum: Local Chapters and Bogleheads Community
Topic: Minnesota BH Qtrly Meeting 8-12-2017 + Summary
Replies: 19
Views: 1735

Re: Minnesota BH Quarterly Meeting August 12, 2017

Financial Engineer wrote:See everyone at 9:30 today. Looking forward to it.

I'll be there. Should be interesting.
by Dottie57
Fri Aug 11, 2017 11:10 pm
Forum: Personal Consumer Issues
Topic: Elite status clubs that you are part of?
Replies: 31
Views: 3172

Re: Elite status clubs that you are part of?

Bogleheads.

That's it.
by Dottie57
Fri Aug 11, 2017 3:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3768
Views: 986002

Re: U.S. stocks in freefall

Can we have some fun with this thread? I bet tomorrow will be another down day. I cannot believe that I lost this bet. Is the U.S. economy or the stock market really that resilient? Investors are like sparrows at a birdfeeder. Something spooks them, they all fly away. In a short time, 1 comes back,...
by Dottie57
Fri Aug 11, 2017 2:47 pm
Forum: Investing - Theory, News & General
Topic: Anyone Out There Who Has Failed To Stick To Their Long Term Investing Plan?
Replies: 27
Views: 2414

Re: Anyone Out There Who Has Failed To Stick To Their Long Term Investing Plan?

My plan has evolved, but I'd say I have stuck with it for at least the last 25 years. I stuck with it through the 2000's . I was about $100K down new year's eve 2008/9 and was able to joke about it. It went down even further through March 20009. I am actually pretty conservative financially, but I ...
by Dottie57
Thu Aug 10, 2017 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Leaving My Advisor/Getting Caught Up In Specifics
Replies: 3
Views: 495

Re: Leaving My Advisor/Getting Caught Up In Specifics

I read a bunch of books and blogs, studied my investments over the last 10 years, and decided I would do about 1% better leaving my financial advisor and moving to a three fund(ish) strategy. I have begun the conversation with my advisor and he knows my intentions. Here is where I get caught up... ...
by Dottie57
Thu Aug 10, 2017 1:07 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 5976

Re: What Percentage CASH are you?

I'm curious what percentage of assets people hold in cash? Also, if you didn't haven it in cash, where would you put it? Personally, I'm 12% Cash right now. Maybe this is dumb, especially with the dollar falling. Feel free to let me know. But, I do like the feeling of having some "dry powder" espec...
by Dottie57
Thu Aug 10, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 16218

Re: Life at crossroads. What would you do ?

I too am a non-US person living in the Bay Area for over 20 years now and I've traveled around the US. There are only a few places in the US that I would consider living for the long term. So, I understand the OP's reluctance to move elsewhere. It's hard to consider living somewhere with fewer amen...
by Dottie57
Thu Aug 10, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: Toyota Radio and Backup Camera No Longer Work
Replies: 41
Views: 1796

Re: Toyota Radio and Backup Camera No Longer Work

AAA replaced the battery. I called them up and they said there is nothing we can do for you. I am going to call them again. I could be wrong, but I don't think AAA does car repair. +1 AAA does emergency roadside service. They changed out a battery. Not their fault. The problem occurred immediately ...
by Dottie57
Thu Aug 10, 2017 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Opinions Needed - Are We Good?
Replies: 32
Views: 2595

Re: Opinions Needed - Are We Good?

Average expenses over the last few years = 50K per year. I think you are probably not adding in health insurance and income taxes - items which are covered by employers at this time. I think you need to know where your money will come from since you are not of retirement age. You have a lot more ye...
by Dottie57
Thu Aug 10, 2017 7:20 am
Forum: Investing - Theory, News & General
Topic: Investing In Water
Replies: 29
Views: 2499

Re: Investing In Water

I have looked at the numbers and the logic behind a defensive investment in water is pretty interesting... -It's one of the world's most valuable commodities -It's becoming increasingly scarce (by 2025, 1.6 Billion people will live in water scarce parts of the world) -In America, water infrastructu...
by Dottie57
Wed Aug 09, 2017 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Opinions Needed - Are We Good?
Replies: 32
Views: 2595

Re: Opinions Needed - Are We Good?

What are your expenses?
by Dottie57
Wed Aug 09, 2017 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 16218

Re: Life at crossroads. What would you do ?

Guys lets not turn this into a coast versus heartland, red versus blue thing. That was never my intent. There are lots of great companies in the middle of the country (many of them are my customers !!) with lots of great people. But guess what ? They all advice me not to move to the middle of the c...
by Dottie57
Wed Aug 09, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: Santa Fe New Mexico - recommendations
Replies: 26
Views: 1730

Re: Santa Fe New Mexico - recommendations

JMKEBogleGuy: You've been given some good advice so far. There is a lot to see and do in northern New Mexico. In addition to "The High Road to Taos", I would also recommend "The Jemez Loop", which is a nice day trip. Don't google "Jemez Loop" because I just made the name up. We have lived in Northe...
by Dottie57
Wed Aug 09, 2017 1:54 pm
Forum: Investing - Theory, News & General
Topic: VBR looks so good to me right now
Replies: 6
Views: 1190

Re: VBR looks so good to me right now

S&P has lost < 1%. Yesterday and today. If you are worried now what will you do with a 30% drop.
by Dottie57
Tue Aug 08, 2017 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Selling company stock (90% of portfolio)
Replies: 31
Views: 2498

Re: Selling company stock (90% of portfolio)

I take it the company stock is not liquid given the statement about "buyback". You probably can't sell it easily. So sell it all now. At least enough to Cover your investment . I would take the profit too. Private stock... = illiquid. My investment was only $5K. Buybacks are generally 6-12 months a...
by Dottie57
Tue Aug 08, 2017 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Selling company stock (90% of portfolio)
Replies: 31
Views: 2498

Re: Selling company stock (90% of portfolio)

I take it the company stock is not liquid given the statement about "buyback". You probably can't sell it easily.

So sell it all now. At least enough to Cover your investment . I would take the profit too. Private stock... = illiquid.
by Dottie57
Tue Aug 08, 2017 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: [Stashing a windfall in the safest possible place while deciding what to do next]
Replies: 45
Views: 3146

Re: Stashing a windfall in the safest possible place while deciding what to do next

being the one who recommended the prime money market account with its higher yield (1.1%), I am curious why the federal money market is better (0.93%.) Can anyone explain it? Is there really any risk in a prime money market account? I think there is a small difference in risk. Prime MM holds things...
by Dottie57
Tue Aug 08, 2017 5:11 pm
Forum: Personal Consumer Issues
Topic: Computer hacked - What to do?
Replies: 16
Views: 1851

Re: Computer hacked - What to do?

One more tip for handling these calls. Don't bait the scumbag unless you don't mind disconnecting your phone. They can be very vindictive so I learned. Best to just hang up. Uh, what can they do? They can call repeatedly, including after bedtime, as happened to me yesterday / last night. just use a...
by Dottie57
Tue Aug 08, 2017 4:43 pm
Forum: Investing - Theory, News & General
Topic: Still Buying As planned Regardless Of The World Situation
Replies: 72
Views: 7590

Re: Still Buying As planned Regardless Of The World Situation

The recently-retired Scott Burns -- my favorate personal finance writer -- advocated two things in times of uncertainty (which seems to be a lot of the time): 1) pay down debt and 2) diversify your assets. Ok. U.S. total stock and Bond fund owner here. Also own international stock fund. So what els...
by Dottie57
Tue Aug 08, 2017 4:40 pm
Forum: Investing - Theory, News & General
Topic: Certified Financial Planner experience for biz cash
Replies: 8
Views: 643

Re: Certified Financial Planner experience for biz cash

Why not put the cash in Short term treasury fund? Since it is business cash I assume you don't want to lose it.
Investing = possibility of loss.
by Dottie57
Tue Aug 08, 2017 4:09 pm
Forum: Investing - Theory, News & General
Topic: Still Buying As planned Regardless Of The World Situation
Replies: 72
Views: 7590

Re: Still Buying As planned Regardless Of The World Situation

The recently-retired Scott Burns -- my favorate personal finance writer -- advocated two things in times of uncertainty (which seems to be a lot of the time): 1) pay down debt and 2) diversify your assets. Ok. U.S. total stock and Bond fund owner here. Also own international stock fund. So what els...
by Dottie57
Tue Aug 08, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: Computer hacked - What to do?
Replies: 16
Views: 1851

Re: Computer hacked - What to do?

firedinky wrote:One more tip for handling these calls. Don't bait the scumbag unless you don't mind disconnecting your phone. They can be very vindictive so I learned. Best to just hang up.

Uh, what can they do?
by Dottie57
Tue Aug 08, 2017 11:53 am
Forum: Investing - Help with Personal Investments
Topic: What is an appropriate lower risk asset allocation once one has "won the game"
Replies: 50
Views: 5867

Re: What is an appropriate lower risk asset allocation once one has "won the game"

The wiki says "once the investor has "won the game" by accumulating sufficient wealth, it is unwise to take more risk than is needed, since the value of additional gains is much less important than the consequences of severe losses". What would be an appropriate asset allocation if one's main objec...
by Dottie57
Tue Aug 08, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Group Universal Life
Replies: 23
Views: 1440

Re: Group Universal Life

Search this forum for Universal Life. The general consensus 1. Hard to understand 2. You really have to read and understand the contract hence #1 3. Many times verbal promises or statements are not in the contract. 4. Don't mix insurance with investment ( #1) 5. Fees are too high. 6. Always pick a s...