Search found 4965 matches

by Dottie57
Tue Jan 15, 2019 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: A co-worker makes more than me
Replies: 77
Views: 6016

Re: A co-worker makes more than me

When you talk to your management do not be angry, but friendly and knowledgeable. I Was in a position in the early 2000s where my male co-workers were making 70k plus while I made 60k. A nearly 20% difference. I was doing the same work (stress testing a web application) for months on end. Talking ab...
by Dottie57
Tue Jan 15, 2019 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Super Aggressive MF or ETFs?
Replies: 20
Views: 1000

Re: Super Aggressive MF or ETFs?

In general, Bogleheads are not the "super aggressive" type... :happy In general, +1 Please realize that taking risk is not always rewarded. Not me, I'm pretty aggressive. The difference is understanding risks that come with a premium and those that don't. Going small cap takes on increased risk and...
by Dottie57
Tue Jan 15, 2019 8:35 pm
Forum: Investing - Theory, News & General
Topic: Are mega back door Roth contributions considered contributions?
Replies: 60
Views: 1692

Re: Are mega back door Roth contributions considered contributions?

Just to state again Mega back door Roth 1. Starts with an after tax contribution to Traditional 401k. 2. Execution of a rollover of the post tax contribution to an empty traditional IRA. 3. Immediate conversion the traditional Ira to Roth IRA. There should be 0 or very little gain if done immediate...
by Dottie57
Tue Jan 15, 2019 8:21 pm
Forum: Investing - Theory, News & General
Topic: Are mega back door Roth contributions considered contributions?
Replies: 60
Views: 1692

Re: Are mega back door Roth contributions considered contributions?

Just to state again Mega back door Roth 1. Starts with an after tax contribution to Traditional 401k. 2. Execution of a rollover of the post tax contribution to an empty traditional IRA. 3. Immediate conversion the traditional Ira to Roth IRA. There should be 0 or very little gain if done immediatel...
by Dottie57
Tue Jan 15, 2019 6:24 pm
Forum: Personal Consumer Issues
Topic: School staff threatened to call social worker
Replies: 54
Views: 2615

Re: School staff threatened to call social worker

Perhaps OP is going back for spring festival, which happens once a year. I don't have kids. But it seems to me that the value of experiencing another country considerably exceeds the value of attending school. I think I would be tempted to go ahead with the plans and let the chips fall where they m...
by Dottie57
Tue Jan 15, 2019 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Super Aggressive MF or ETFs?
Replies: 20
Views: 1000

Re: Super Aggressive MF or ETFs?

David Jay wrote:
Tue Jan 15, 2019 4:15 pm
In general, Bogleheads are not the "super aggressive" type... :happy
In general, +1

Please realize that taking risk is not always rewarded.
by Dottie57
Tue Jan 15, 2019 4:14 pm
Forum: Investing - Theory, News & General
Topic: An Annuity Hater Revisits SPIAs
Replies: 21
Views: 2376

Re: An Annuity Hater Revisits SPIAs

I know I would like to be able to purchase an SPIA which would produce a better base amount when combined with SS.
by Dottie57
Tue Jan 15, 2019 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Screwed myself on salary negotiations, how do I get past this?
Replies: 25
Views: 2516

Re: Screwed myself on salary negotiations, how do I get past this?

Litfury wrote:
Tue Jan 15, 2019 12:53 pm
I would do backflips to take a job I enjoyed for a 10% pay cut. No exaggeration at all. I hate my job.
Me too.
by Dottie57
Tue Jan 15, 2019 3:07 pm
Forum: Personal Consumer Issues
Topic: Any good reason to get a smartwatch?
Replies: 73
Views: 2191

Re: Any good reason to get a smartwatch?

I would buy an Apple Watch 4 if Cricket would support it and link to phone. I like the fitness aspects. Also really would like heart related functionality since heart problems run in my dad’s family.
by Dottie57
Tue Jan 15, 2019 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement accounts maxed out, what to do with extra cash?
Replies: 32
Views: 1959

Re: Retirement accounts maxed out, what to do with extra cash?

Having your mortgae paid off n retirement makes everything better.
by Dottie57
Mon Jan 14, 2019 11:58 pm
Forum: Investing - Theory, News & General
Topic: Understanding leverage with call options and futures (LEAPS)
Replies: 7
Views: 612

Re: Understanding leverage with call options and futures (LEAPS)

Three to four Funds here. I don’t Think I am deep in the leap.
by Dottie57
Mon Jan 14, 2019 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone received their 2019 CP01A (IP PIN) from IRS?
Replies: 21
Views: 2477

Re: Has anyone received their 2019 CP01A (IP PIN) from IRS?

Thanks for mentioning it. Now I know about it.
by Dottie57
Mon Jan 14, 2019 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone received their 2019 CP01A (IP PIN) from IRS?
Replies: 21
Views: 2477

Re: Has anyone received their 2019 CP01A (IP PIN) from IRS?

Thanks for mentioning it. Now I know about it.
by Dottie57
Mon Jan 14, 2019 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone ever filed an unpaid wage claim against employer?
Replies: 7
Views: 951

Re: Anyone ever filed an unpaid wage claim against employer?

I tried. Former employer had me on a salary plusa a profit bonus. I gave notice..about a month as i recall. paid out my salary but no bonus. I did notice that many many truck & trailers got new tires during my notice period. I suspect the owner was spending my bonus on truck repairs. Called the Lab...
by Dottie57
Mon Jan 14, 2019 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Need tips!
Replies: 15
Views: 1436

Re: Need tips!

Richard32 wrote:
Mon Jan 14, 2019 9:09 pm
Well no one is commenting

I just change my 401k to 85% S&p index and 15 % small cap fubds
I would add a third. The government and high quality bond.

75% S&P 500
15%. Small cap
10% bonds.


Roth IRA

100% fidelity freedom INDEX fund. (Target date appropriate).
by Dottie57
Mon Jan 14, 2019 7:03 pm
Forum: Personal Consumer Issues
Topic: Bogleheads Drink Up! [Bogle Vineyards Wine]
Replies: 32
Views: 8708

Re: Bogleheads Drink Up! [Bogle Vineyards Wine]

I’ve had several types of Bogle wine. All very drinkable.
Nicolas wrote:
Mon Jan 14, 2019 6:47 pm
I like the cab. I can get it for $7.99 a bottle here. I’m going to buy a case.
by Dottie57
Mon Jan 14, 2019 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Another Home Affordability Thread
Replies: 30
Views: 3358

Re: Another Home Affordability Thread

Dollarbillz Congratulations on your careers and your accumulation of assets. As I do with a number of posts, l ll give you my feelings based on my past history. I worked at modestly paid jobs until I finished my education at age 30. I then began a career job which allowed me to increase my earnings...
by Dottie57
Mon Jan 14, 2019 11:50 am
Forum: Personal Consumer Issues
Topic: Best way to heat basement?
Replies: 19
Views: 1967

Re: Best way to heat basement?

My parents used a space heater which worked well. Only on when adults downstairs.

My brother and his wife heat their 3 se a son porch in winter with a permanent gas fireplace/stove. It is great.
by Dottie57
Mon Jan 14, 2019 11:41 am
Forum: Investing - Help with Personal Investments
Topic: One book for my neice, a young mom.
Replies: 20
Views: 1170

Re: One book for my neice, a young mom.

My niece: a/34, married, f/t mother & RN, three children, husband employed 75K w/benefits. Recently purchased their home and now asks for investment advice. I've conveyed the principles of this forum and I would like to provide one simple book. I would appreciate your suggestions of such a book, wr...
by Dottie57
Sun Jan 13, 2019 9:52 pm
Forum: Personal Consumer Issues
Topic: How do I stop jeans from ripping in the thighs?
Replies: 69
Views: 3964

Re: How do I stop jeans from ripping in the thighs?

Halicar wrote:
Sun Jan 13, 2019 2:31 pm
I'll put this as tactfully as I can: if your thighs are rubbing together enough to damage jeans like this, you may benefit from losing some weight...
Or a style with wider legs.
by Dottie57
Sun Jan 13, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: [Peter Jackson’s “They shall not grow old” - now showing Jan 21]
Replies: 52
Views: 6590

Re: Encore performance Jan. 21: Peter Jackson’s “They shall not grow old”

Thank you for the info. I am gping to try to see it. My grandfather was a soldier in World War 1.
by Dottie57
Sat Jan 12, 2019 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: New job, sales at Subaru
Replies: 62
Views: 7678

Re: New job, sales at Subaru

Don't drive potential customers crazy with follow up call after follow up call. I ended up buying my car from a sales woman who made little attempt to 'sell' me on a car. Rather just showed me around and answered questions if I had any. The rest of the time was spent just conversing over small-talk...
by Dottie57
Sat Jan 12, 2019 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Where do I hold $250K?
Replies: 15
Views: 2480

Re: Where do I hold $250K?

DanMahowny wrote:
Wed Jul 04, 2018 7:40 pm
I'd ladder T-bills.
+1
by Dottie57
Fri Jan 11, 2019 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: Biggest Investment Mistake
Replies: 162
Views: 10360

Re: Biggest Investment Mistake

1. Didn’t believe I could manage my IRA by myself. Multiple FAs sold me front loaded funds.
2. Should have started ROTH earlier than 2012. Same with taxable.
by Dottie57
Fri Jan 11, 2019 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion
Replies: 30
Views: 2350

Re: Roth conversion

No. My employer didn’t allow post tax contributions. So no way to do so.
by Dottie57
Fri Jan 11, 2019 12:55 pm
Forum: Personal Consumer Issues
Topic: What is an appropriate retirement gift?
Replies: 23
Views: 1340

Re: What is an appropriate retirement gift?

jebmke wrote:
Fri Jan 11, 2019 11:35 am
This is one of the best retirement gifts I have received. I have given a couple as well.

https://dayclocks.com/
I like this.
by Dottie57
Fri Jan 11, 2019 12:36 pm
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 9506

Re: Did you ever "win" big?

Brought APPL about a year before Steve Job returns at around $3.25 When did you sell? I sold half about 2 years ago when I retired. Missed much more run on the stock :? Even if the stock drop back down to $1 I'm still way ahead. As others, I also have few losers too, but this one lucky pick puts me...
by Dottie57
Fri Jan 11, 2019 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Getting a Mortgage when You can Pay Cash for a House
Replies: 155
Views: 7454

Re: Getting a Mortgage when You can Pay Cash for a House

Put down a large down payment and the rest in a mortgage. It is not an all or nothing decision.
by Dottie57
Fri Jan 11, 2019 11:48 am
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 9506

Re: Did you ever "win" big?

Will do good wrote:
Fri Jan 11, 2019 4:33 am
Brought APPL about a year before Steve Job returns at around $3.25
When did you sell?
by Dottie57
Fri Jan 11, 2019 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Under $100k Avg Annual Income Millionaires and How You Did It?
Replies: 117
Views: 13785

Re: Under $100k Avg Annual Income Millionaires and How You Did It?

I am always saddened (though you didn't say) by how many people on here say no.kids like it's an achievement or something! Yes kids are expensive but they don't need to break the bank and they add so much joy and meaning to life. But without them you also run the risk of a lonely terrible end of.li...
by Dottie57
Fri Jan 11, 2019 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Under $100k Avg Annual Income Millionaires and How You Did It?
Replies: 117
Views: 13785

Re: Under $100k Avg Annual Income Millionaires and How You Did It?

Parent here. Wife stays at home with the toddler. Income is $75k. Saving 26% of gross (not counting employer match) and paying extra on the mortgage. Don't think we'll make it to the one million dollar club. If you keep saving 26% of your salary for 30 years you probably will end up a millionaire. +1
by Dottie57
Thu Jan 10, 2019 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Under $100k Avg Annual Income Millionaires and How You Did It?
Replies: 117
Views: 13785

Re: Under $100k Avg Annual Income Millionaires and How You Did It?

Started work full time at 14k in 1992. Ended work at 110k in 2017. Average is lower than 100kSurvey. My paychecks were less than 50% of gross die to taxes and benefit costs. As income grew so did savings. Assuming SS is around at age 70, my income from SS and Investments will give me same spendable ...
by Dottie57
Wed Jan 09, 2019 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: One Year Out from Retirement
Replies: 7
Views: 929

Re: One Year Out from Retirement

A quick question. What are your expenses? I am assuming your savings would cover .
by Dottie57
Wed Jan 09, 2019 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring IRA funds as result of divorce
Replies: 6
Views: 519

Re: Transferring IRA funds as result of divorce

I think she will need an account. If Vanguard is the holder, then I think they will need the QDRO the court issues to split the account.

Others will chime in.
by Dottie57
Wed Jan 09, 2019 4:34 pm
Forum: Investing - Theory, News & General
Topic: Fell in Love with Fidelity
Replies: 60
Views: 6170

Re: Fell in Love with Fidelity

I used to love Fidelity for all the reasons mentioned already. I moved all my old 401Ks to them and it was a breeze...And then, I tried to move a few thousand out of Fidelity and they made it a total hassle including requiring the dreaded bank medallion. When I consolidated my accounts with them, n...
by Dottie57
Wed Jan 09, 2019 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Under $100k Avg Annual Income Millionaires and How You Did It?
Replies: 117
Views: 13785

Re: Under $100k Avg Annual Income Millionaires and How You Did It?

My last 8 years were under 110k. All years before that- started at 14k in 1982. I made 40k in 1996. Received raises to end my career at 110k. I was a software engineer. Always single. I worked hard. Tried to always provide value. Learned new tech whenever I could 15% of every paycheck was saved from...
by Dottie57
Wed Jan 09, 2019 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Is buying a $700K first home crazy?
Replies: 70
Views: 7239

Re: Is buying a $700K first home crazy?

OP,

You have the income. 650 sq feet is small for 2 people. And desire for amenities like washer and dryer is very understandable. I would purchase. Keep to your savings goals and you will be fine.
by Dottie57
Wed Jan 09, 2019 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance informs me after procedure that they won't cover all of it
Replies: 20
Views: 1583

Re: Health insurance informs me after procedure that they won't cover all of it

123 wrote:
Tue Jan 08, 2019 10:54 pm
In my experience involving billing for anesthesia services (out-patient procedures) for a few relatives I always find it remarkable that the anesthesia person is never in network and just parachutes in for the procedure.
This.
by Dottie57
Tue Jan 08, 2019 10:09 pm
Forum: Investing - Theory, News & General
Topic: It was a dip. Did you notice? The December drop is over.
Replies: 51
Views: 6823

Re: It was a dip. Did you notice? The December drop is over.

Uhh, who took over livesoft’s account? So, “livesoft” what happens next week and the week after that? You got that new crystal ball out for a spin? If this is really you, you can prove it by finally revealing the rest of the secret sauce to your RBD strategy that you’ve never shared here. Only the ...
by Dottie57
Tue Jan 08, 2019 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Why isn't an AA of 75/25 with a SWR 3.75% the standard??
Replies: 60
Views: 6234

Re: Why isn't an AA of 75/25 with a SWR 3.75% the standard??

Probably because a lot of retirees might not be able to stay the course with 75% equities. I know in my brain that it would probably be better with 75%, but my pillow says to be 50%. This. 75% stocks is too scary. 25% in bonds isn't enough to keep me feeling safe during an extended crash. 4% instea...
by Dottie57
Tue Jan 08, 2019 6:54 pm
Forum: Personal Consumer Issues
Topic: I bought a new iPad on sale...should I have?
Replies: 38
Views: 2519

Re: I bought a new iPad on sale...should I have?

Just enjoy it.

I use it for web browsing , email, cookbook, books, games and some extraneous app. My favorite is Day and Night which assures me longer daylight will indeed come.
by Dottie57
Tue Jan 08, 2019 6:44 pm
Forum: Investing - Theory, News & General
Topic: Fell in Love with Fidelity
Replies: 60
Views: 6170

Re: Fell in Love with Fidelity

bck63, 1) As a small investor, why would you buy 3 funds? One fund makes a lot more sense. 2) How are you going to rebalance? Do you have to pay anything to exchange one fund to another? KlangFool I agree with the idea here. My belief is that until you have $100k invested, go 100% total US Stock. W...
by Dottie57
Tue Jan 08, 2019 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: 401K "Control Group", unable to rollover from previous employers 401K
Replies: 21
Views: 1034

Re: 401K "Control Group", unable to rollover from previous employers 401K

Are you sure you don’t want to do the rollover totally at Fidelity? Move 401k to a Fidelity IRA. I think this is a winner of an idea if there are "issues" at Fidelity with 401K provisions. This method would have the Fidelity IRA people following up with the Fidelity 401K people so the Fidelity IRA ...
by Dottie57
Tue Jan 08, 2019 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance when I have heart disease
Replies: 13
Views: 1061

Re: Life insurance when I have heart disease

I applaud you for thinking of your wife. If you can bump up a bit without a physical, I would.

Then I would create good memories with your whole family. Maybe some good trips to places you both want to experience. It is wonderful to have those memories.
by Dottie57
Tue Jan 08, 2019 2:44 pm
Forum: Personal Consumer Issues
Topic: United, American Airlines, Delta--about the same?
Replies: 144
Views: 7738

Re: United, American, Delta--about the same?

Delta >> United >> flying dumpster fire >> American ^ This. I used to fly United regularly for a few years because their New York hub (EWR) is easier for me. I've had to mass email the executive team at United twice to get a bizarre problem taken seriously. Once, they left me on hold for five hours...
by Dottie57
Tue Jan 08, 2019 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: 401K "Control Group", unable to rollover from previous employers 401K
Replies: 21
Views: 1034

Re: 401K "Control Group", unable to rollover from previous employers 401K

Are you sure you don’t want to do the rollover totally at Fidelity? Move 401k to a Fidelity IRA. Quite certain... makes my backdoor roth conversion more tricky, or I will have to do another rollover to an Individual 401K later. Neither will serve the purpose of consolidating everything at one broke...
by Dottie57
Tue Jan 08, 2019 2:34 pm
Forum: Investing - Theory, News & General
Topic: Nobody asked me but
Replies: 46
Views: 4583

Re: Nobody asked me but

For some clarity I'm a hardcore boglehead, I don't like high fees and like to minimize taxes......I started 2018 with a 60/40 split between passive and active. The active part is done exclusive by me. I thought hardcore bogleheads were 100% passive? If you are hardcore at only 60% - what would you ...
by Dottie57
Tue Jan 08, 2019 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: 401K "Control Group", unable to rollover from previous employers 401K
Replies: 21
Views: 1034

Re: 401K "Control Group", unable to rollover from previous employers 401K

Are you sure you don’t want to do the rollover totally at Fidelity? Move 401k to a Fidelity IRA.