Search found 2381 matches

by Dottie57
Mon Dec 18, 2017 7:31 am
Forum: Investing - Theory, News & General
Topic: Best 401k Employer Match Structure
Replies: 53
Views: 2394

Re: Best 401k Employer Match Structure

I have think going to a fairly high percent (6-10) and match at rate of 50% with vesting in a short time lke 2 years is very good.

Get employees to invest more re is really good.
by Dottie57
Sun Dec 17, 2017 2:48 pm
Forum: Personal Consumer Issues
Topic: New job offer - background check
Replies: 73
Views: 2989

Re: New job offer - background check

flossy21 wrote:
Sun Dec 17, 2017 1:19 pm
Tell the recruiter about the issue. Be completely open and honest with him/her. The recruiter is your advocate. Let him/her advise you on how to handle the issue.
Why is the recruiter OP's advocate? The employer pays the recruiter so I would think recruiter protects the employer.
by Dottie57
Sun Dec 17, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 76
Views: 10687

Re: 55+ Early retirement offer.

I received Company Email about an Early Retirement Package today. It's exciting and daunting at the same time. The company is offering 26 weeks paid salary + more for each year you have worked for the company. I total out to 50 weeks. Also a lump sum to cover 18 months of COBRA will also be given. ...
by Dottie57
Sun Dec 17, 2017 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: too much $ in my company of work?
Replies: 43
Views: 2649

Re: too much $ in my company of work?

Let me get this straight. You get to purchase stock at a straight up 15% discount? Why are so many people against this? That's a 15% margin of error built in automatically... If it is a good company worthy of investment then it certainly would be with a 15% discount! If the company is struggling th...
by Dottie57
Sun Dec 17, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: New job offer - background check
Replies: 73
Views: 2989

Re: New job offer - background check

Thanks all. I will tell the recruiter that I cannot give notice at my current job until I have been informed that all checks and other conditions of the offer are clear. I am not going to bring anything up. If the recruiter asks if anything may come up in the check that concerns me, I am going to b...
by Dottie57
Sun Dec 17, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: Single Purpose Device- Waffle Iron
Replies: 21
Views: 1532

Re: Single Purpose Device- Waffle Iron

Check out Serious Eats' "Will It Waffle" series for some inspiration. I got my waffle iron as a gift and barely use it, but wouldn't be without it. When I want waffles, nothing else will do. You've inspired me to pull the thing out to make dinner waffles this week.... http://www.seriouseats.com/tag...
by Dottie57
Sun Dec 17, 2017 9:44 am
Forum: Investing - Help with Personal Investments
Topic: too much $ in my company of work?
Replies: 43
Views: 2649

Re: too much $ in my company of work?

Let me get this straight. You get to purchase stock at a straight up 15% discount? Why are so many people against this? That's a 15% margin of error built in automatically... If it is a good company worthy of investment then it certainly would be with a 15% discount! If the company is struggling th...
by Dottie57
Sat Dec 16, 2017 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 76
Views: 10687

Re: 55+ Early retirement offer.

Flashes1 wrote:
Sat Dec 16, 2017 3:58 pm
How do they pay your 50 week severance? Lump sum or normal 2 week pay cycle?
I will get a lump sum. Fed and state taxes will be taken out. Employment taxes too.

In my state I won't be able file for unemployment while severance covers lost salary. Don't know if I will be able to file after.
by Dottie57
Sat Dec 16, 2017 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 76
Views: 10687

Re: 55+ Early retirement offer.

Flashes1 wrote:
Sat Dec 16, 2017 3:58 pm
How do they pay your 50 week severance? Lump sum or normal 2 week pay cycle?
I will get a lump sum. Fed and state taxes will be taken out. Employment taxes too.

In my state I won't be able file for unemployment while severance covers lost salary. Don't know if I will be able to file after.
by Dottie57
Sat Dec 16, 2017 8:36 pm
Forum: Personal Consumer Issues
Topic: Single Purpose Device- Waffle Iron
Replies: 21
Views: 1532

Re: Single Purpose Device- Waffle Iron

I have a 25 year old thin waffle maker. Love it and will keep till it falls apart. It make waffles in spurts. Can go 6 months without and then use 4 or 5 times a month.

P.S. I make a big batch of waffles and freeze those i don't eat. The toaster works nicely to reheat.
by Dottie57
Sat Dec 16, 2017 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: When to move into bonds
Replies: 46
Views: 3470

Re: When to move into bonds

I am 61 and at 50/50. I don't want to lose a lot if stocks go down and stay down.

And this year at 50/50. I have still done avout 13% return. My portfolio still has enough stocks to grow.

Last thing -'don't be greedy - realize you are at a point in life where you need to preserve too.
by Dottie57
Sat Dec 16, 2017 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 76
Views: 10687

Re: 55+ Early retirement offer.

Dottie57 - I am by no means an expert on this, but during one of my presentations I had a conversation with an insurance broker about post-COBRA medical insurance. He was talking about a guaranteed availability HIPAA policy after exhausting COBRA. You will have to research it yourself but there see...
by Dottie57
Sat Dec 16, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 76
Views: 10687

Re: 55+ Early retirement offer.

Dottie57 - I am by no means an expert on this, but during one of my presentations I had a conversation with an insurance broker about post-COBRA medical insurance. He was talking about a guaranteed availability HIPAA policy after exhausting COBRA. You will have to research it yourself but there see...
by Dottie57
Sat Dec 16, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 76
Views: 10687

Re: 55+ Early retirement offer.

Applications have to be made to "Participate" in the program. Managers and HR decide if your application is accepted - it is not guaranteed. Be sure to be careful and not burn any bridges yet since there is no guarantee that they will lay you off and give you the severance package. No burning of br...
by Dottie57
Sat Dec 16, 2017 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone putting money aside into Gold?
Replies: 54
Views: 2851

Re: Is anyone putting money aside into Gold?

Gold is pretty to look at and hold in one's hands. At least that's the only reason for owning gold concluded by all the gold bugs who participated in this very recent gold thread: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=233083 Pretty gold is the reason I have gold in the form of a few ...
by Dottie57
Sat Dec 16, 2017 12:00 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 43
Views: 6758

Re: Roll Call for the Retirement Class of 2018!

Yea! Retirement tentatively starts on 3/3/2018. Early retirement package - if "accepted" I can retire with a nice package.

Less than three months away!
by Dottie57
Sat Dec 16, 2017 9:19 am
Forum: Personal Consumer Issues
Topic: Apple Watch - which case for my wife?
Replies: 7
Views: 465

Re: Apple Watch - which case for my wife?

Stainless Steel. I don't like the look of the aluminum.

Buy a basic band. Sport band (not Sport Loop) feels wonderful on.

She can purchase others as needed or wanted.
by Dottie57
Fri Dec 15, 2017 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: How much did you contribute to your 401k in 2017?
Replies: 117
Views: 6667

Re: How much did you contribute to your 401k in 2017?

24k - max allowed byr mega corps 401k plan. No back door Roth allowed. No post tax contributions allowed.
by Dottie57
Fri Dec 15, 2017 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Ameriprise :(
Replies: 29
Views: 2765

Re: Ameriprise :(

Call Vanguard, get some advice, and then just have them just transfer everything to Vanguard funds? You don't have to even talk to this advisor ever again, if memory serves me correctly from what others have reported here. Agree forget about him. I moved to fidelity. All I needed were current state...
by Dottie57
Fri Dec 15, 2017 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 76
Views: 10687

Re: 55+ Early retirement offer.

MandyT wrote:
Fri Dec 15, 2017 1:05 pm
Based on what you've posted previously, you should absolutely take advantage of this. I predict that you'll look back on this as a windfall and a blessing.

I think I will too. Even if I return to some type of work, a year off will be nice. It will give me time to think.
by Dottie57
Thu Dec 14, 2017 11:47 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA Holders: How Many Of You Max Your Contribution On January 1st?
Replies: 41
Views: 2806

Re: ROTH IRA Holders: How Many Of You Max Your Contribution On January 1st?

mhc wrote:
Wed Dec 13, 2017 12:24 pm
I lump sum in early January. I do it when I get around to it, not necessarily Jan 1 unless I remember to do it that day.


+1
by Dottie57
Thu Dec 14, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 76
Views: 10687

Re: 55+ Early retirement offer.

Applications have to be made to "Participate" in the program. Managers and HR decide if your application is accepted - it is not guaranteed. There may try to entice you with a stay package. They do not want an unhappy employee by making them stay with a refusal of the offer. I was offered a very ni...
by Dottie57
Thu Dec 14, 2017 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: What is a Reasonable Retirement Cost of Living?
Replies: 32
Views: 3147

Re: What is a Reasonable Retirement Cost of Living?

I include net pay check amount - savings ( verified through checking account - wher all bills are paid from).
From that add medical premiums and income taxes.

It gets me pretty close.
by Dottie57
Thu Dec 14, 2017 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 76
Views: 10687

Re: 55+ Early retirement offer.

The company is offering 26 weeks paid salary + more for each year you have worked for the company. I total out to 50 weeks. One way to look at this is that if you declined to take the offer then you would be offering to work for free for the next year in the hope of being able to work a few more ye...
by Dottie57
Thu Dec 14, 2017 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 76
Views: 10687

Re: 55+ Early retirement offer.

I received Company Email about an Early Retirement Package today. It's exciting and daunting at the same time. The company is offering 26 weeks paid salary + more for each year you have worked for the company. I total out to 50 weeks. Also a lump sum to cover 18 months of COBRA will also be given. ...
by Dottie57
Thu Dec 14, 2017 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 76
Views: 10687

Re: 55+ Early retirement offer.

I received Company Email about an Early Retirement Package today. It's exciting and daunting at the same time. The company is offering 26 weeks paid salary + more for each year you have worked for the company. I total out to 50 weeks. Also a lump sum to cover 18 months of COBRA will also be given. A...
by Dottie57
Thu Dec 14, 2017 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Young Investor: When to diversify
Replies: 22
Views: 1449

Re: Young Investor: When to diversify

Put $ into target date retirement fund. (2060) Vanguard has very good. Tdf and you will be well diversified. Small amount of bonds in later tdfs
by Dottie57
Wed Dec 13, 2017 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on using safe-ish investments to buy S&P 500 on margin in December?
Replies: 176
Views: 4679

Re: Thoughts on using safe-ish investments to buy S&P 500 on margin in December?

I can get out right now in overnight trading, based on the bid price, with zero gain/loss for the day, but I'm sure the S&P is going to shoot up tomorrow so I'm staying in for now. Markets will be open for another hour and 20 minutes though so I guess I'll be clicking a lot until then. Where did yo...
by Dottie57
Wed Dec 13, 2017 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Guided Solutions - Spouse is Employee
Replies: 37
Views: 2615

Re: Edward Jones Guided Solutions - Spouse is Employee

If she likes the job and it pays well chances are the benefits of her working there will outweigh the 1-2% you lose in returns....in the short term. If we are talking 20 years that is another story. I guess i have a hard time how an employer could legally prohibit an employee’s spouse from going an...
by Dottie57
Wed Dec 13, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching elementary school kids about money
Replies: 32
Views: 1896

Re: Teaching elementary school kids about money

The constant running commentary they hear from their parents is important. "We have the money to do xyz, but we're saving for college and retirement so we're going to do lmnop instead." "These pants are $100, we could get 2 pairs of pants on sale for less than that at Target." "Close the door, I ca...
by Dottie57
Tue Dec 12, 2017 9:46 pm
Forum: Investing - Theory, News & General
Topic: Does any indicator not predict a 2000/2007'ish crash?
Replies: 47
Views: 2516

Re: Does any indicator not predict a 2000/2007'ish crash?

I did a bunch of analysis to see if I should go into SSO (pays 2x S&P500 return) and decided to not only stay out, but to move all my funds into at worst (riskiest) high yield bond funds (which offer a good share of the upside of the equity markets, with less downside. Specifically, they recover fr...
by Dottie57
Tue Dec 12, 2017 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 156
Views: 15802

Re: What to do after losing $117k in stock market?

I am not sure why so many folks are telling the OP to just stop speculating. It isn't like the human mind goes, "Oh okay x number of people told me to do y so now I will do y". That is the problem with behavioral finance and this thread is a perfect microcosm of it. Just because you tell the person...
by Dottie57
Tue Dec 12, 2017 9:17 am
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 156
Views: 15802

Re: What to do after losing $117k in stock market?

As others have said-no more gabling with individual stocks. Put money into target retirement funds.

Stop looking for easy street. Slow and steady works.
by Dottie57
Mon Dec 11, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: Ancestry / 23andMe
Replies: 79
Views: 5876

Re: Ancestry / 23andMe

I have done both. Am glad I did. 23and me was very interesting but I think ancestry is better for geneology. I had some surprises. Way back when, it looks like my Dad's family acquired Native American blood. My mom's family came fron Prussia, but there is also some Scandinavian too - from around the...
by Dottie57
Mon Dec 11, 2017 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: Early Retirement - Lump Sum vs. Annuity
Replies: 41
Views: 2803

Re: Early Retirement - Lump Sum vs. Annuity

rkhusky wrote:
Mon Dec 11, 2017 6:59 pm
See what this site gives you: https://www.immediateannuities.com/

$4224 for joint annuity at the amount of pension. Pretty comparable to 100% joint pension.
by Dottie57
Mon Dec 11, 2017 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 financial goals - what are yours?
Replies: 92
Views: 8274

Re: 2018 financial goals - what are yours?

Make a lot of money. Either pay off my student loans (100k at 2.6%) or put the money in my taxable brokerage account. If the stock market crashes, I will definitely start pouring money into buying shares and hold off on paying down debt. We will also max both 401ks, Both backdoor Roths, and the HSA...
by Dottie57
Mon Dec 11, 2017 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Year end review with less nerdy spouse
Replies: 67
Views: 6691

Re: Year end review with less nerdy spouse

cheesepep wrote:
Mon Dec 11, 2017 7:46 pm
PPT slides in a family? Uh, no!
+1
by Dottie57
Mon Dec 11, 2017 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Done gone and did it [Retire]
Replies: 80
Views: 7770

Re: Done gone and did it

Congratulations you lucky lemon!
by Dottie57
Mon Dec 11, 2017 7:29 am
Forum: Investing - Help with Personal Investments
Topic: RMD and Roth IRA conversions
Replies: 8
Views: 941

Re: RMD and Roth IRA conversions

You are doing a conversion when moving money between the two. Mve the money directly from ira to roth ira. It is reported on taxes differently too.

Yes it is a way of controllng Rmd amounts.
by Dottie57
Sun Dec 10, 2017 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 financial goals - what are yours?
Replies: 92
Views: 8274

Re: 2018 financial goals - what are yours?

Max 401k and Roth ira.
Save extra $500 each month.

Figure out retirement age. Am nearly 61. The current politixal environment is driving me crazy.
by Dottie57
Sun Dec 10, 2017 8:34 pm
Forum: Investing - Theory, News & General
Topic: Buying index funds is just as speculative as buying Bitcoin
Replies: 64
Views: 4003

Re: Buying index funds is just as speculative as buying Bitcoin

When I can go to the grocery store and buy bread, milk vegetables, etc I will believe in bitcoin. Right now U.S. currency is what I need.
by Dottie57
Sun Dec 10, 2017 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Help for Mom - Retiring, Windfall, Edward Jones
Replies: 9
Views: 1930

Re: Help for Mom - Retiring, Windfall, Edward Jones

So I had assumed that annuitizing some of her assets (if that's a real verb) would be an ideal way to give her a baseline fixed income. This is because her small pension and SS income will cover less than half her expenses and also because most of her money is in taxable accounts. But after looking...
by Dottie57
Sun Dec 10, 2017 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Does this happen to you? Educating friends about personal finance
Replies: 104
Views: 5908

Re: Does this happen to you? Educating friends about personal finance

Whenever one of the young guys at work had their first child, I would politely suggest to them that they start saving for college immediately. They were always receptive to my advice. Then there were a couple of guys in their 40s who each had multiple teenagers. They asked me when I started saving ...
by Dottie57
Sun Dec 10, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 179
Views: 13310

Re: Save all this money, what do you splurge on?

If I have the money I will buy 1) new weaving loom 2) 2 month vacation outside of Minnesota during jan/feb months. I have an old friend in Minnesota. Brrrrrr. I feel like a cheapskate reading this thread. I thought I was splurging finding shoes that fit and underwear that doesn't scratch. :shock: j...
by Dottie57
Sun Dec 10, 2017 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall of 1.5 millions
Replies: 10
Views: 2116

Re: Windfall of 1.5 millions

I consider myself self conservative in investing. I am at 50/50 asset allocation. Room for safety and growth.

I use intermediate bond funds, cash, and if I had more money, I would purchase 10k ibonds each year.
by Dottie57
Sun Dec 10, 2017 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Does this happen to you? Educating friends about personal finance
Replies: 104
Views: 5908

Re: Does this happen to you? Educating friends about personal finance

Whenever one of the young guys at work had their first child, I would politely suggest to them that they start saving for college immediately. They were always receptive to my advice. Then there were a couple of guys in their 40s who each had multiple teenagers. They asked me when I started saving ...
by Dottie57
Sat Dec 09, 2017 10:55 pm
Forum: Personal Consumer Issues
Topic: Cheap outdoor floor covering?
Replies: 6
Views: 653

Re: Cheap outdoor floor covering?

These tiles look really cool.

https://www.flor.com
by Dottie57
Sat Dec 09, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 179
Views: 13310

Re: Save all this money, what do you splurge on?

2) My next coffee upgrade is probably home roasting of coffee bean. Ive been considering that also. One other, non-splurge (I.e., inexpensive) coffee things I’ve recently started is Third Wave Water, available on Amazon. Take a gallon of distilled water, add a packet of minerals, and the coffee is ...
by Dottie57
Sat Dec 09, 2017 1:27 pm
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 179
Views: 13310

Re: Save all this money, what do you splurge on?

If I have the money I will buy
1) new weaving loom
2) 2 month vacation outside of Minnesota during jan/feb months.
by Dottie57
Sat Dec 09, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: Espresso Machine suggestions?
Replies: 41
Views: 2628

Re: Espresso Machine suggestions?

Nespresso machine. sale priced. now at nespresso.com. They use capsules like a keurig. Capsules are expensive , but less than store bought latte. I bought it to make latte's but have come to prefer the espresso! Avoid Nespresso. If you drink regularly, the cost of capsules will exceed cost of expen...