Search found 2524 matches

by Dottie57
Wed Jan 17, 2018 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Wellington or Target Retirement 2025
Replies: 9
Views: 627

Re: Wellington or Target Retirement 2025

I have Wellington in my HSA. That being said, go with the more diversified Target retirement fund.
by Dottie57
Wed Jan 17, 2018 8:42 pm
Forum: Investing - Theory, News & General
Topic: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years
Replies: 49
Views: 3440

Re: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years

Nobody knows nothing. Of all the market bromides (fearful when greedy, greedy when fearful/nobody went broke selling too soon, etc. etc), this is the one I try to keep most in mind. These kinds of prognostications that can't be wrong (Goes down? I was right. Goes up or sideways? I said there was a ...
by Dottie57
Wed Jan 17, 2018 6:54 pm
Forum: Investing - Theory, News & General
Topic: [n X expenses + r] instead of [n X expenses]
Replies: 23
Views: 549

Re: [n X expenses + r] instead of [n X expenses]

Nate79 wrote:
Wed Jan 17, 2018 6:17 pm
So, on top of 33X expenses, everyone needs an extra $1m just to be safe? Well, you just eliminated about 99.999% of retirees. Guess everyone is in trouble now if this is the new requirement.

+1
by Dottie57
Wed Jan 17, 2018 8:53 am
Forum: Personal Finance (Not Investing)
Topic: [How to reserve funds for final expenses]
Replies: 10
Views: 475

Re: [How to reserve funds for final expenses]

To me, the easiest and most straight forward way is to fund a savings account for this purpose. If money needs to be taken out of retirement funds, so be it. Those who provide end of life services need to be compensated. No POD beneficiary. Let it be part of the estate with executor to pay billfrom ...
by Dottie57
Tue Jan 16, 2018 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: New Year... new retirement plan at workplace
Replies: 6
Views: 608

Re: New Year... new retirement plan at workplace

I eould probably ho with

VIIIX. VG institutional stock index
VEMPX VG Extended market (mid and small cap)
A BIT OF VSIIX. VG small cap value


BONDS VBMPX.


i don't know anything about PRIMECAP
by Dottie57
Tue Jan 16, 2018 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Career Direction Advice
Replies: 13
Views: 780

Re: Career Direction Advice

If you have sufficient emergency funds and family(if any) agree, go for it. You will always wish you had. But set yourself up so that if all does not go well, everyone in your sphere can be taken care of for at least 6 months.
by Dottie57
Tue Jan 16, 2018 10:28 am
Forum: Investing - Theory, News & General
Topic: A 4% move in the Dow and S&P in 12 days? Seems odd
Replies: 82
Views: 5057

Re: A 4% move in the Dow and S&P in 12 days? Seems odd

I think the recent tax "reforms" have added to the market projections of increased profit. So I expect 2018 to be airly good investment wise.
by Dottie57
Tue Jan 16, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: Need to buy new printer. Suggestions for best value?
Replies: 25
Views: 1410

Re: Need to buy new printer. Suggestions for best value?

I was going to suggest a Brother laser as well! We gave up on color printing at home years ago because we realized very little of what we need to print needs to be in color, and ink is ridiculously expensive, and doesn't hold up well when it sits idle for weeks or months. We bought a Brother all-in...
by Dottie57
Tue Jan 16, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 96
Views: 5003

Re: Looking for a reasonably priced, safe international destination

Your kids are 6 and 3. The vacation is for you. I gather the 6 year old will barely remember it and the 3 year old won't. At that age, I always took my kids to a water/beach based vacation where their experiences are fun/low key affairs. Bermuda fits that need. We went there for a long weekend over...
by Dottie57
Mon Jan 15, 2018 11:22 pm
Forum: Investing - Theory, News & General
Topic: Any thoughts on The Aurora Report? [Arora Report]
Replies: 48
Views: 8777

Re: Any thoughts on The Aurora Report?

I am always skeptical that someone with effective investment picking skills or a special method would choose to sell a newsletter for a relatively modest amount when they could work on Wallstreet or trade their own account and make a seven figure plus yearly income. There are hundreds if not thousa...
by Dottie57
Mon Jan 15, 2018 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong?
Replies: 7
Views: 1118

Re: What am I doing wrong?

I have never, ever judged my investments on a MONTHLY basis. It makes no sense to do so.

So stop expecting to be amazed each month.

The stock market is an up and down business. It takes time and perseverance to build wealth.
by Dottie57
Sun Jan 14, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: Are land line phones still being supported?
Replies: 60
Views: 3512

Re: Are land line phones still being supported?

jmk wrote:
Sun Jan 14, 2018 8:56 pm
In my neck of the woods they are still supported. I have one!

I have one too. Cell phones don't work in my condo.
by Dottie57
Sun Jan 14, 2018 9:25 pm
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 213
Views: 22057

Re: Hitting The Sell Button

Rebalancing with new contributions, I've been buying only bonds for the last couple of years ... I've done the rebalancing with new contribs too. But also chaged AA as I realized my retirement date was sooner than I originally thought. No problems switching into bonds. I think it will be hard to ac...
by Dottie57
Sun Jan 14, 2018 8:19 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Millionaire Study
Replies: 59
Views: 10125

Re: Dave Ramsey's Millionaire Study

I have a co-worker who has worked himself out of debt. He is definitely a fan of DR. I did end up sending him a link to the Bogleheads forum. He sent thanks. We haven't talked money since.

DR is fine on debt reduction.
by Dottie57
Sun Jan 14, 2018 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: ‘Fun’ Money
Replies: 15
Views: 970

Re: ‘Fun’ Money

Why would you hold bonds in brokerage? Are you out of space in your 401k? Pardon my newbieness, my thought process was that the bonds would lessen some of the risks. The 401k is maxed out with a target fund (89.5% stock, 10 bond, .5 short term reserves) The issue is yearly taxes you may pay on divi...
by Dottie57
Sun Jan 14, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Any high-end skincare products worth it?
Replies: 37
Views: 2784

Re: Any high-end skincare products worth it?

I use philosophy since it feels good on my extremely dry skin. No real difference in appearance.
by Dottie57
Sun Jan 14, 2018 10:15 am
Forum: Investing - Theory, News & General
Topic: AA is much harder than I thought...
Replies: 27
Views: 3124

Re: AA is much harder than I thought...

I'm 33 and have only been in the markets about a year. Accept that you won't have a real understanding of your risk tolerance until you've been through a market crash. Just about anyone who started investing after 2010 is in the same boat. In the meantime, it's a good idea to have an allocation to ...
by Dottie57
Sun Jan 14, 2018 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Do you correct cashier mistakes?
Replies: 41
Views: 2098

Re: Do you correct cashier mistakes?

If I notice the problem at the register, I will.
by Dottie57
Sat Jan 13, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: Best Movies of 2017
Replies: 17
Views: 1273

Re: Best Movies of 2017

htdrag11 wrote:
Sat Jan 13, 2018 5:25 pm
Justice League
Logan (not the same as Logan Lucky)
Spider-Man: Homecoming
Wonder Woman

I really loved Wonder Woman.
by Dottie57
Sat Jan 13, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: Almost a pathological fear of debt, to my detriment?
Replies: 79
Views: 4340

Re: Almost a pathological fear of debt, to my detriment?h

Do you have a mortgage? That is probably the biggest way you can safely leverage debt. Unless you plan to go back to college, anything else is too short term and likely high interest, so using debt to invest could easily backfire. I would just enjoy the debt free lifestyle. Sure, you could churn 0%...
by Dottie57
Sat Jan 13, 2018 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting Vs Savings Rate
Replies: 65
Views: 4215

Re: Budgeting Vs Savings Rate

I'm wanting to get some feedback about budgeting. Currently, we save 50% of our combined gross pay and I track spending in Quicken so I can look up how much we spend on different categories. My spouse suggested that we start a budget, but I don't see a need to do so when we can save 50% and still b...
by Dottie57
Sat Jan 13, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Will never not upgrade Business travel again
Replies: 21
Views: 2855

Re: Will never not upgrade Business travel again

Good for you. I hate flying but upgrading can make it much better.
by Dottie57
Sat Jan 13, 2018 8:10 am
Forum: Personal Finance (Not Investing)
Topic: New Tax Plan - How to make the most of it?
Replies: 43
Views: 4498

Re: New Tax Plan - How to make the most of it?

Taxcaster says your federal tax on 87k minus std deduction and 1exemption is 14940. Inexpect your tax on same amount in 2018 will be a bit less. Taxable income is after deductions and exemptions. But I calculate 17k. And max 403b, 457, HSA is closer to 40k. I suspect OP has both numbers and concept...
by Dottie57
Sat Jan 13, 2018 8:02 am
Forum: Investing - Help with Personal Investments
Topic: How many years of fixed income for Sequence of Return Risk
Replies: 26
Views: 1934

Re: How many years of fixed income for Sequence of Return Risk

I have a 50/50 allocation. I'll have to fund 8 years before SS. Years of fixed income in portfolio is around 14 years. When SS income starts it will cover 1/2 to 2/3 of expenses.
by Dottie57
Fri Jan 12, 2018 9:23 pm
Forum: Investing - Theory, News & General
Topic: Shares Are Wildly Overpriced. But Bonds May Be Even Worse
Replies: 34
Views: 5247

Re: Shares Are Wildly Overpriced. But Bonds May Be Even Worse

Toons wrote:
Fri Jan 12, 2018 12:43 pm
60/40
50/50
Forget About It
:happy
+1
by Dottie57
Fri Jan 12, 2018 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: New Tax Plan - How to make the most of it?
Replies: 43
Views: 4498

Re: New Tax Plan - How to make the most of it?

I know. But I mean, part of the reason I'm max-ing the retirement contributions is to save tax. In 2017, if I don't make any contributions to retirements, I'm in the 28% bracket and pay $28.3k tax. When I max the contributions, I bring myself from 28% to 25% bracket and pay $17.5k tax. I save $10.8...
by Dottie57
Fri Jan 12, 2018 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Getting father-in-law off of UBS & its 1.5% AUM fee
Replies: 31
Views: 3076

Re: Getting father-in-law off of UBS & its 1.5% AUM fee

TheTimeLord wrote:
Sat Sep 30, 2017 9:29 am
navyitaly wrote:
Sat Sep 30, 2017 9:17 am
Stay out of your spouse's family personal business? End of day who cares..not your issue...if anyone inherits anything, it's not you, it's your spouse....make your marriage easy...
Sound advice.
I agree.
by Dottie57
Fri Jan 12, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: Someone spoofing my phone number?
Replies: 65
Views: 5031

Re: Someone spoofing my phone number?

Someone called me three times this morning. I ignored the first two attempts and picked up on the 3rd. Their phone number had the same area code as mine and same first three digits after area code. They told me that I kept calling them. I told them I did not. They said someone kept calling them wit...
by Dottie57
Fri Jan 12, 2018 7:19 am
Forum: Personal Consumer Issues
Topic: Keeping sensitive documents in the cloud -- bad idea?
Replies: 45
Views: 2455

Re: Keeping sensitive documents in the cloud -- bad idea?

pondering wrote:
Fri Jan 12, 2018 7:13 am
I'm going start polling people if their time is too valuable to take local backups. Exactly how much time is involved? Can't you do it while watching TV?
Or while sleeping at night.
by Dottie57
Thu Jan 11, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: Best Sources to Buy Prescriptions Out of Pocket
Replies: 49
Views: 2815

Re: Best Sources to Buy Prescriptions Out of Pocket

Thanks for all of your replies so far. Insurance decision is final. No appeal can be done. I have appt next week with my doctor to discuss options. There is no generic for the specific drug I take. I tried several others before taking this premium drug, so not sure there will be any other drug opti...
by Dottie57
Thu Jan 11, 2018 9:34 am
Forum: Investing - Help with Personal Investments
Topic: WSJ: Discount Brokers Win Bonuses to Push Costlier Products
Replies: 38
Views: 3096

Re: WSJ: Discount Brokers Win Bonuses to Push Costlier Products

https://www.wsj.com/articles/advisers-at-leading-discount-brokers-win-bonuses-to-push-higher-priced-products-1515604130 "At Fidelity, Schwab and TD Ameritrade, employees win extra pay or other incentives to put clients in products that are more lucrative for them, and the firm. Customers may end up...
by Dottie57
Thu Jan 11, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Early Retirement Incentive Plan is generating paranoia in a co-worker
Replies: 37
Views: 4474

Re: Early Retirement Incentive Plan is generating paranoia

There really is not a rumor mill - just a former co-worker who is really worried. However I have found out He is fairly recently divorced and has to provide health insurance for his home. Since we are software developers it may be hardfor co-worker to find good work. In my area, unemployment for so...
by Dottie57
Wed Jan 10, 2018 11:27 pm
Forum: Personal Consumer Issues
Topic: Best Sources to Buy Prescriptions Out of Pocket
Replies: 49
Views: 2815

Re: Best Sources to Buy Prescriptions Out of Pocket

My physician gave me the name of this Canadian pharmacy and it has worked out well for a variety of drugs. https://www.northwestpharmacy.com/ It is a murky world. Recently I went through 3 copies of a prescription. I initially filled it at my local Costco using my insurance, then did some research ...
by Dottie57
Wed Jan 10, 2018 10:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 99
Views: 7251

Re: Post your Financial Milestone Announcements Here

KlangFool wrote:
Wed Jan 10, 2018 10:20 pm
Folks,

2017 will be the first year that my portfolio growth matched my gross income. All I need is 2 more years like this.

KlangFool

Congratulations! Your post just prompted me to look and I met the same number. :)
by Dottie57
Wed Jan 10, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: Early Retirement Incentive Plan is generating paranoia in a co-worker
Replies: 37
Views: 4474

Re: Early Retirement Incentive Plan is generating paranoia in a co-worker

I am not a daily task person. So I hate the scrum calls. Over and over and over. Every single day. Much of my team is in India, so i sometimes start my day at 6:00am or earlier - I am a night person. Collaboration is difficult when on different continents. Mgmt is trying to homogenize developers. E...
by Dottie57
Wed Jan 10, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: Early Retirement Incentive Plan is generating paranoia in a co-worker
Replies: 37
Views: 4474

Re: Early Retirement Incentive Plan is generating paranoia in a co-worker

I also believe that Megacorp really wants those of us with habits that are not congruent with Agile Software development to leave. Early retirement package is a way of clearing the way for newer and "better" models who will take to Agile development with enthusiasm. As a fellow developer I am curio...
by Dottie57
Wed Jan 10, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: Early Retirement Incentive Plan is generating paranoia in a co-worker
Replies: 37
Views: 4474

Re: Early Retirement Incentive Plan is generating paranoia in a co-worker

p14175 wrote:
Wed Jan 10, 2018 12:47 pm
Ask about taxes when deciding whether to take a package.

Taxes will be handled the same as bonuses.

I am taking it regardless of taxes. I need to get out.

I have increased my 401k cntribution to max alowed by the plan.
by Dottie57
Wed Jan 10, 2018 1:20 am
Forum: Personal Consumer Issues
Topic: Early Retirement Incentive Plan is generating paranoia in a co-worker
Replies: 37
Views: 4474

Re: Early Retirement Incentive Plan is generating paranoia

Dottie, best wishes for this stressful time. I worked for a megacorp during the 2007-2008 crisis. There were packages, threats that if enough people did not take it, there would be layoffs etc. etc. The rumor mill works overtime. Management usually has to get its numbers and they would prefer peopl...
by Dottie57
Wed Jan 10, 2018 1:05 am
Forum: Personal Consumer Issues
Topic: Early Retirement Incentive Plan is generating paranoia in a co-worker
Replies: 37
Views: 4474

Re: Early Retirement Incentive Plan is generating paranoia

Capsu78 wrote:
Tue Jan 09, 2018 6:40 pm
Dottie57 wrote:
Tue Jan 09, 2018 6:00 pm
... However Megacorp wants to go a different direction and perceives those who are 55+ as being a drag.on the necessary transformation.
...And if you could just find that one Megacorp memo that states that with clarity you could be wealthy beyond measure! :D
Too funny. :happy
by Dottie57
Tue Jan 09, 2018 7:39 pm
Forum: Personal Consumer Issues
Topic: Early Retirement Incentive Plan is generating paranoia in a co-worker
Replies: 37
Views: 4474

Re: Early Retirement Incentive Plan is generating paranoia

Let us know what really happens. I really doubt this Megacorp will not have the ability to fund what they promise to those who take the early retirement. My "guess" is that there are several risks: 1. For everyone, whether they take the offer or not, IF Megacorp now provides post retirement and/or ...
by Dottie57
Tue Jan 09, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: Early Retirement Incentive Plan is generating paranoia in a co-worker
Replies: 37
Views: 4474

Re: Early Retirement Incentive Plan is generating paranoia

Thanks to those who answered. Megacorp has more than enough $. There is no attempt to truly downsize. However Megacorp wants to go a different direction and perceives those who are 55+ as being a drag.on the necessary transformation. I am more than happy to takke the package and leave. It is time.
by Dottie57
Tue Jan 09, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: Early Retirement Incentive Plan is generating paranoia in a co-worker
Replies: 37
Views: 4474

Early Retirement Incentive Plan is generating paranoia in a co-worker

My employer has offered those 55+ years of age with 10 years of service a plan to incent us to take early retirement. I think it is a great plan and I have applied for it. However two former co-workers think there is a limit to the money being dispersed for early retirement. They believe the money w...
by Dottie57
Mon Jan 08, 2018 8:39 am
Forum: Forum Issues and Administration
Topic: Help me understand question-less financial status (e.g. "2 comma club") threads.
Replies: 175
Views: 8425

Re: Help me understand question-less financial status (e.g. "2 comma club") threads.

IMHO, those threads are confirmations that the BH methods work, regardless of income levels. Encouragements to stay the course when markets tank. They are examples of people who make it via BH method despite 1987, 2000, 2008 so I will stick to my AA when the next one hit. The actionable benefits of...
by Dottie57
Mon Jan 08, 2018 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Disappointed in Missing a Long Term Financial Goal
Replies: 32
Views: 3903

Re: Disappointed in Missing a Long Term Financial Goal

+1

Best to focus on what you can control. Spending and contributions come to mind.
by Dottie57
Sun Jan 07, 2018 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: A lot in taxable, or a little in Roth: a no-brainer?
Replies: 19
Views: 1240

Re: A lot in taxable, or a little in Roth: a no-brainer?

You can't just put the 50,000k into Roth at one time? And why would you have different amounts in different account types?
by Dottie57
Sat Jan 06, 2018 3:17 pm
Forum: Investing - Theory, News & General
Topic: How Many Stocks Are Really Needed in Index Funds?
Replies: 52
Views: 3029

Re: How Many Stocks Are Really Needed in Index Funds?

Doesn't the index define the stocksthat should be owned?
by Dottie57
Sat Jan 06, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Downsizing to one car in retirement...
Replies: 68
Views: 3969

Re: Downsizing to one car in retirement...

Question for those who are retired couples with 1 or 2 cars... I’m 20+ years away from retirement but am just curious about what happens when both members of a household are retired in terms of cars. Is it better to downsize to 1 car, and if the need ever arises where both members need the car you ...
by Dottie57
Sat Jan 06, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Splitting Assets in Divorce
Replies: 51
Views: 4989

Re: Splitting Assets in Divorce

A mediator might help.

Good luck ar a fair divorce.
by Dottie57
Sat Jan 06, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Bogleheads car purchase - with a little twist
Replies: 15
Views: 1972

Re: Bogleheads car purchase - with a little twist

malabargold wrote:
Sat Jan 06, 2018 12:27 pm
Consider offering the residual back to the parents
+1
by Dottie57
Fri Jan 05, 2018 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Keep the VUL and/or RAVA?
Replies: 1
Views: 90

Re: Keep the VUL and/or RAVA?

If Iwere you, I would liquidate all Ameriprise purchases (rava and vul). Go to bogleland or fidelity. Do a simple 3 fund portfolio. Rebalance every year enjoy the rest of your time.

Don't continue to hold something you do not like or want.