Search found 2088 matches

by Dottie57
Sat Oct 21, 2017 12:06 pm
Forum: Investing - Theory, News & General
Topic: 401k "only" up 13.5% YTD
Replies: 17
Views: 1251

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: 32
Views: 2782

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: 19
Views: 1598

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: 33
Views: 1138

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: 32
Views: 1812

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: 40
Views: 2854

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: 32
Views: 2782

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: 2277

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: 5139

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: 4722

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: 941

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: 93
Views: 7368

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: 2555

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: 2956

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: 1205

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: 93
Views: 7368

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: 4973

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: 2341

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: 5729

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: 823

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: 2301

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: 12917

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: 5729

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: 2301

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: 1995

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: 5267

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: 121
Views: 5954

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: 4210

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: 5267

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: 3235

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: 124
Views: 8667

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: 124
Views: 8667

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: 484

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.
by Dottie57
Fri Oct 13, 2017 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: wellington fund ( VWELX )
Replies: 24
Views: 2500

Re: wellington fund ( VWELX )

I have wellington in an HSA. Works well.
by Dottie57
Thu Oct 12, 2017 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: annuity beneficiary
Replies: 5
Views: 288

Re: annuity beneficiary

It depends.

What are the fees involved?
How much is actually taxable -get this in writing.
What is it invested in? Are there better options.
by Dottie57
Thu Oct 12, 2017 7:54 am
Forum: Investing - Theory, News & General
Topic: Offensive Valuations
Replies: 45
Views: 4112

Re: Offensive Valuations

60 years old at 50/50. I want fixed income for spending before SS. Up to 10 years.

Current valuations don't bother me. I've seen irrational exuberance. Just kept putting money into market. Only time I was really scared was 2008/2009. Which is really why I am now 50/50.
by Dottie57
Wed Oct 11, 2017 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: How to move a portfolio out of a traditional advisor service?
Replies: 18
Views: 1039

Re: How to move a portfolio out of a traditional advisor service?

Let your new house do all the work. You don't even have to pay them. On the phone with them, tell them the current accounts you want to move and how much is in each. They'll get the info from Ameriprise anyways. You can literally say "I want half in total US equity index....what's that called?". Th...
by Dottie57
Wed Oct 11, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance as an inheritance?
Replies: 10
Views: 517

Re: Term Life Insurance as an inheritance?

Hi, I was wondering if anyone continues their term-life insurance, even after they are financially independent and/or have retired? I was looking at term4sale.com, and for a 50-year-old male, a $1 million, 30-year term life costs about $2,500 to $3,000 per year. So, at the worst (or best?) case, he...
by Dottie57
Wed Oct 11, 2017 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance as an inheritance?
Replies: 10
Views: 517

Re: Term Life Insurance as an inheritance?

Hi, I was wondering if anyone continues their term-life insurance, even after they are financially independent and/or have retired? I was looking at term4sale.com, and for a 50-year-old male, a $1 million, 30-year term life costs about $2,500 to $3,000 per year. So, at the worst (or best?) case, he...
by Dottie57
Wed Oct 11, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Best Career Advice for those over "50"
Replies: 60
Views: 6262

Re: Best Career Advice for those over "50"

Don't work for a company you don't like. Watch for sea changes in the company. Work hard and create value for the company. Make sure others know. Find a job you love and are excited about. Megacorps often have good benefits. Small companies can be much more fun. Save so you can easily retire if agei...
by Dottie57
Wed Oct 11, 2017 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Protecting against the possibility of a correction?
Replies: 45
Views: 3926

Re: Protecting against the possibility of a correction?

Is anyone doing anything to protect against the possibility of a correction, apart, of course, from the standard Bogleheads stay the course, rebalance, etc? No. I do the boring old "don't invest money you need anytime soon in stocks, static asset allocation I can tolerate in a market downturn rebal...
by Dottie57
Wed Oct 11, 2017 5:52 am
Forum: Investing - Help with Personal Investments
Topic: What to do with a down payment nest egg?
Replies: 15
Views: 1586

Re: What to do with a down payment nest egg?

Put your money into CDs. Short term money does not belong in equities. Bad, bad idea.
by Dottie57
Tue Oct 10, 2017 10:33 pm
Forum: Personal Consumer Issues
Topic: Moving Stroke Victim Out of State
Replies: 23
Views: 2012

Re: Moving Stroke Victim Out of State

Cheese. Why a nursing home in Texas vs one locally where you live now in Michigan? Are there some family dynamics that I do not see? Yes, partially. DW still cannot talk and is paralyzed on the right side, and can't call for help if she needs it. Basically she is helpless without someone here to be...
by Dottie57
Tue Oct 10, 2017 8:05 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11753

Re: 100% in bond to wait for market crash?

No. No. No.

I started investing in 1988 (about 6 months after oct 1987 crash). There have been lots of ups and downs. You simply persever and keep investing. It really does work. Can retire at 60 if I need to.
by Dottie57
Tue Oct 10, 2017 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Started late but Started - Need help planning for 401k/IRAs/Taxable Three-fund portfolio
Replies: 10
Views: 1440

Re: Started late but Started - Need help planning for 401k/IRAs/Taxable Three-fund portfolio

I advise you to become familiar with how pension income is treated in the Portugal/US tax treaty (if that's the other place you would consider retiring). There are many jurisdictions that makes no distinction from Roth accounts and taxes withdrawals from them the same as Traditional accounts. In th...
by Dottie57
Tue Oct 10, 2017 4:40 pm
Forum: Personal Consumer Issues
Topic: Best weight loss resources?
Replies: 54
Views: 2312

Re: Best weight loss resources?

Library.

Eat Food, Nit too much, mostly Plants. By Michael Pollan
by Dottie57
Tue Oct 10, 2017 12:35 pm
Forum: Investing - Theory, News & General
Topic: Longterm Investing Renewable ETFs
Replies: 14
Views: 656

Re: Longterm Investing Renewable ETFs

How are ETF's renewable? You just own them :shock:
by Dottie57
Tue Oct 10, 2017 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Growing old without kids or younger caring relatives
Replies: 103
Views: 17931

Re:

I was hoping someone would have already set up something like what I've been thinking about so I wouldn't have to reinvent the wheel, but no one has mentioned it yet, so it probably hasn't happened. I'm thinking about starting a group of local people in similar situations, having it primarily a soc...