Search found 8451 matches

by Dottie57
Mon May 25, 2020 9:04 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5431
Views: 1349264

Re: What Movie Have You Recently Watched?

Mystic River on Netflix. The movie was excellent! That movie depressed me so much that I told my wife I'm never going to see anything like it again. I'm not saying it wasn't a good movie. But I don't need to intentionally make myself depressed. Just saying. I've stopped even trying to watch depress...
by Dottie57
Sun May 24, 2020 10:07 am
Forum: Investing - Theory, News & General
Topic: Businesses that are permanently destroyed due to COVID?
Replies: 34
Views: 2667

Re: Businesses that are permanently destroyed due to COVID?

I hope buffets go away. They always seemed unsanitary to me. Not sure about dine in restaurants. I really miss them - meeting friends and family for a leisurely meal.

I am not sure about movie theatres.
by Dottie57
Sun May 24, 2020 9:58 am
Forum: Investing - Theory, News & General
Topic: Why did you change your investing approach?
Replies: 26
Views: 1342

Re: Why did you change your investing approach?

I changed to a reasoned investing approach - Boglehead approach.

Before I had IRA funds selected by a CFA. 3 fund portfolio and reasons behind it are best for me.
by Dottie57
Sun May 24, 2020 8:07 am
Forum: Investing - Theory, News & General
Topic: Has anybody heard of DriverLoan Investor Club?
Replies: 15
Views: 1060

Re: Has anybody heard of DriverLoan Investor Club?

retired@50 wrote:
Sat May 23, 2020 6:22 pm
FinKnight19 wrote:
Sat May 23, 2020 1:43 pm
...
It definitely does look too good to be true.
...
Wow. :shock: You and I have very different opinions about what looks too good to be true. This looks too horrible to consider in my book.

Regards,
+1000
by Dottie57
Thu May 21, 2020 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: what to do with pension from previous job
Replies: 14
Views: 1006

Re: what to do with pension from previous job

LiveSimple wrote:
Thu May 21, 2020 7:03 pm
Option #2 rollover to an IRA
+1
by Dottie57
Wed May 20, 2020 12:40 pm
Forum: Personal Consumer Issues
Topic: Safely disinfecting frozen food packages from corona virus?
Replies: 51
Views: 3549

Re: Safely disinfecting frozen food packages from corona virus?

nps wrote:
Wed May 20, 2020 12:26 pm
You could do what this guy did (start around 10:30)
He was fine up until he did his veggies and fruits. Should have washed his hands before washing fruits. My ony complaint. I do the same with m grceries.
by Dottie57
Wed May 20, 2020 12:31 pm
Forum: Personal Consumer Issues
Topic: Safely disinfecting frozen food packages from corona virus?
Replies: 51
Views: 3549

Re: Safely disinfecting frozen food packages from corona virus?

I have a can of lysol wipes which I use. I also just bought some liquid hand sanitizer which uses a spray bottle. This might work well.
by Dottie57
Wed May 20, 2020 9:41 am
Forum: Investing - Theory, News & General
Topic: Backdrop for Dow 10,000
Replies: 9
Views: 1697

Re: Backdrop for Dow 10,000

Is there any scenario that we could see Dow 10,000 or under again? I was bracing for Dow 15,000 with ease and we never saw that and I stayed 99% stocks less than 1% cash. Would there be a possibility that we see lower than Dow 15,000? I do long term expect that things will rebound and long term the...
by Dottie57
Tue May 19, 2020 12:19 pm
Forum: Personal Consumer Issues
Topic: Can't fit key fully info deadbolt lock
Replies: 9
Views: 577

Re: Can't fit key fully info deadbolt lock

Graphite lock lubricant. Not WD40 or any other lubricant not designed for locks. You might need to get a proper locksmith to look at it, I had a similar problem once and after repeatedly trying to force it I eventually got it in... and when I pulled the key out it was stuck, pulling harder then rip...
by Dottie57
Tue May 19, 2020 10:38 am
Forum: Personal Finance (Not Investing)
Topic: How did you determine your target savings rate?
Replies: 109
Views: 4579

Re: How did you determine your target savings rate?

willthrill81 wrote:
Mon May 18, 2020 5:24 pm
avenger wrote:
Mon May 18, 2020 5:22 pm
I save what I don’t spend.
Not the other way around.
Your mileage may vary.
So you spend first and only save what's left?

I hope that works out well for you. It doesn't work out well at all for most who use that approach.
+1
by Dottie57
Mon May 18, 2020 11:37 am
Forum: Personal Consumer Issues
Topic: Choices of and precautions at hotels in this summer
Replies: 52
Views: 2925

Re: Choices of and precautions at hotels in this summer

I think it's pretty much hopeless. When I traveled for a living, I stayed almost exclusively at Courtyards. While they all had somewhat familiar feel, they were not equal. I would expect that the management at each unit is going to be separately driving for (or not) cleaner, safer stays. Did they a...
by Dottie57
Mon May 18, 2020 8:49 am
Forum: Investing - Theory, News & General
Topic: NYTs article:— New York Times article May 17, Dealing With the Dark Side of Low Interest Rates
Replies: 79
Views: 7678

Re: NYTs article:— New York Times article May 17, Dealing With the Dark Side of Low Interest Rates

How many retirees would trade away ultra-low inflation for higher interest rates? This idea that people deserve interest for doing nothing but stashing cash in a liquid government-backed account is strange, really. Not the way I look at it. 1. I have resource others need - pay for it. 2. Way of mov...
by Dottie57
Sat May 16, 2020 2:12 pm
Forum: Personal Consumer Issues
Topic: Anyone else make things for their own use?
Replies: 48
Views: 6193

Re: Anyone else make things for their own use?

I am resurrecting this thread in hopes that posters who mentioned doing weaving as a hobby might point a beginner — me! — in the right direction. I don’t know where to start, but it’s a hobby that I’ve been considering getting into for retirement and the pandemic restrictions have spurred my intere...
by Dottie57
Sat May 16, 2020 1:48 pm
Forum: Personal Consumer Issues
Topic: How did you feel after giving notice to retire?
Replies: 52
Views: 4286

Re: How did you feel after giving notice to retire?

I was glad to be done with the megacorp and it’s workings. Sad that I was no longer going to see my team mates on a daily basis. Exhausted because I was ill and didn’t know it.

Glad I retired but it has been a really hard transition.

Plan your retirement and don’t let it just happen to you.
by Dottie57
Sat May 16, 2020 9:48 am
Forum: Personal Consumer Issues
Topic: Anyone else make things for their own use?
Replies: 48
Views: 6193

Re: Anyone else make things for their own use?

Got interested in weaving again a while ago and have built several small looms, chiefly for making belts, bags, purses, etc. I don't do these kinds of things as a business but for our own use, usually give away surplus items to friends, family, etc. Also needed a way to salvage down timber in our c...
by Dottie57
Sat May 16, 2020 12:13 am
Forum: Personal Finance (Not Investing)
Topic: [any downside to telling your parents your income?]
Replies: 32
Views: 2458

Re: Sharing income with parent(s)?

I always shared with my parents and they shared with me. No bg deal. However if you need to askan internet forum, I would NOT share. Neither my parents nor I were jealous of each other.
by Dottie57
Fri May 15, 2020 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Help with some job changes please!
Replies: 17
Views: 1292

Re: Help with some job changes please!

In your 20’s, A would be great. But as a married person with a child, B is a better option by far.
by Dottie57
Thu May 14, 2020 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12016

Re: Selling home - low ball negotiation

I'd certainly negotiate and try to move this towards a deal. Part of what you may want to negotiate/stipulate is the house is being sold as-is. So in exchange for you accepting a lower sale price, it would be a pass/fail inspection with no opportunity to ask for more money off because of what they ...
by Dottie57
Thu May 14, 2020 7:20 pm
Forum: Personal Consumer Issues
Topic: Peloton Treadmill: Anyone here own one..,,
Replies: 59
Views: 4689

Re: Peloton Treadmill: Anyone here own one..,,

I recently researched treadmills and ended up with a Landice L7. I was specifically avoiding the online classes though. Most of the research I did pointed to Peloton being a low quality treadmill relative to its price point. The motor is underpowered compared to a similarly priced alternative and t...
by Dottie57
Thu May 14, 2020 5:00 pm
Forum: Personal Consumer Issues
Topic: Moving Furniture Yourself
Replies: 40
Views: 2926

Re: Moving Furniture Yourself

willthrill81 wrote:
Sat Feb 22, 2020 11:05 am
I also recommend furniture sliders.
+1
by Dottie57
Thu May 14, 2020 12:24 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1474
Views: 169649

Re: What frugal thing did you do today?

I need some new clothes but haven’t bout (l0st weight). Frugal? Maybe, but now think fool hardy.
by Dottie57
Thu May 14, 2020 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Does Delaying Social Security Deliver an 8% Return?
Replies: 92
Views: 7421

Re: Does Delaying Social Security Deliver an 8% Return?

There's a big difference in an increase in returns and an increase in payout . Delaying SS benefits does the latter, not the former. While delaying SS benefits results in greater benefits, this is offset (at least partly) by the fact that you are not getting any benefits at all during the period in...
by Dottie57
Thu May 14, 2020 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Best way to simulate the retirement, living off investments ; Not touching monthly salaries
Replies: 44
Views: 3205

Re: Best way to simulate the retirement, living off investments ; Not touching monthly salaries

The year before we retired, we actually lived on our planned retirement income while banking ALL the rest. Note that your living expenses need to include medical premiums which your employer may now be covering, your income taxes (fed and state), and all those once-a-year bills like insurances, pro...
by Dottie57
Wed May 13, 2020 8:46 pm
Forum: Personal Consumer Issues
Topic: Dental estimate for a gold crown
Replies: 28
Views: 1965

Re: Dental estimate for a gold crown

My latest crowns are solid porcelain and have been holding up well. I broke several earlier porcelain crowns on top of metal.

After I quit working crowns stopped breaking. Go figure. :D
by Dottie57
Wed May 13, 2020 10:00 am
Forum: Personal Consumer Issues
Topic: WFW (Work from Wherever)
Replies: 70
Views: 6290

Re: WFW (Work from Wherever)

Check if your company makes salary adjustments based on location cost-of-living. A WFW relative moved from a HCOL to MCOL area. MegaCorp adjusted relative’s salary due to new location’s lower COL. No change to job responsibilities. This. Megacorp had different salary ranges based on location compet...
by Dottie57
Wed May 13, 2020 9:57 am
Forum: Investing - Theory, News & General
Topic: Experts say now is not the time to buy into index fund
Replies: 38
Views: 4509

Re: Experts say now is not the time to buy into index fund

So, if this stuff is already obvious to salespeople, er “experts”, how is this information already not priced in? How do you benefit if everyone already knows it? The answer is you are being lied to. These experts aren’t experts. Proceed with extreme caution. This is a great place to learn - poke a...
by Dottie57
Wed May 13, 2020 9:48 am
Forum: Investing - Theory, News & General
Topic: Mortgage payment instead of bonds: how?
Replies: 39
Views: 2368

Re: Mortgage payment instead of bonds: how?

rockstar wrote:
Tue May 12, 2020 6:52 pm
My problem with this approach is that I can sell bonds and quickly get cash. I can't do the same with my home. It's far more expensive to get cash out of house than it is to sell bonds.
+1

I would give up extraneous, fun spending to pay down mortgage before selling bonds to do same.
by Dottie57
Wed May 13, 2020 8:06 am
Forum: Personal Consumer Issues
Topic: WFW (Work from Wherever)
Replies: 70
Views: 6290

Re: WFW (Work from Wherever)

Check if your company makes salary adjustments based on location cost-of-living. A WFW relative moved from a HCOL to MCOL area. MegaCorp adjusted relative’s salary due to new location’s lower COL. No change to job responsibilities. This. Megacorp had different salary ranges based on location compet...
by Dottie57
Tue May 12, 2020 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: How to consider home improvement expenses
Replies: 25
Views: 1277

Re: How to consider home improvement expenses

The makeover of my kitchen was an investment in my life. The kitchen became more functional and beautiful. I have enjoyed it for 12 years. It will make my home easier to sell and I may get more $ when sold. I think of most remodels like I think of adding options when buying a car. I buy them becaus...
by Dottie57
Tue May 12, 2020 1:04 pm
Forum: Personal Investments
Topic: DH Laid Off - can we retire early?
Replies: 40
Views: 4913

Re: DH Laid Off - can we retire early?

Based on the stats you provided, I think you will be fine. Since DH is 60, he is only 2 years away from being eligible for Social Security withdrawal. I know it's only $1340 per month, but that is still $16k per year. Coupled with a 4% anticipated withdrawal rate from a $1 million portfolio, your c...
by Dottie57
Tue May 12, 2020 10:12 am
Forum: Personal Finance (Not Investing)
Topic: How to consider home improvement expenses
Replies: 25
Views: 1277

Re: How to consider home improvement expenses

The makeover of my kitchen was an investment in my life. The kitchen became more functional and beautiful. I have enjoyed it for 12 years. It will make my home easier to sell and I may get more $ when sold.
by Dottie57
Tue May 12, 2020 9:36 am
Forum: Personal Consumer Issues
Topic: Advice for upcoming foot surgery
Replies: 37
Views: 2083

Re: Advice for upcoming foot surgery

Pick up something like this https://www.amazon.com/Medline-Transfer-Bathtub-Adjustable-Non-Slip/dp/B086TPM48Y/ref=sr_1_12?crid=14ZEX0CEJ2KID&dchild=1&keywords=bath+transfer+bench+shower+chair&qid=1589289058&sprefix=bath+trans%2Caps%2C190&sr=8-12 The bench straddles the side of the tub... one side i...
by Dottie57
Tue May 12, 2020 8:34 am
Forum: Investing - Theory, News & General
Topic: At what moment does retirement begin?
Replies: 55
Views: 3940

Re: At what moment does retirement begin?

For your retirement, at what moment will it, or did it actually begin? Maybe the standard time is midnight just as the date changes, like on the New Year. But since it’s YOUR RETIREMENT you can pick the moment, correct or not? I’m thinking my retirement will begin at sunrise on the first day. I’m p...
by Dottie57
Tue May 12, 2020 8:23 am
Forum: Investing - Theory, News & General
Topic: At what moment does retirement begin?
Replies: 55
Views: 3940

Re: At what moment does retirement begin?

Technically I was probably retired at exactly the minute or so I handed my badge to my manager at the door and the door latched behind me. Yes, she literally collected my ID as I walked out the door with a handshake. I don't remember how we set exactly that day but I think it had to do with some sh...
by Dottie57
Tue May 12, 2020 8:19 am
Forum: Personal Consumer Issues
Topic: Advice for upcoming foot surgery
Replies: 37
Views: 2083

Re: Advice for upcoming foot surgery

Pick up something like this https://www.amazon.com/Medline-Transfer-Bathtub-Adjustable-Non-Slip/dp/B086TPM48Y/ref=sr_1_12?crid=14ZEX0CEJ2KID&dchild=1&keywords=bath+transfer+bench+shower+chair&qid=1589289058&sprefix=bath+trans%2Caps%2C190&sr=8-12 The bench straddles the side of the tub... one side i...
by Dottie57
Mon May 11, 2020 2:11 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 462
Views: 15804

Re: Bird watchers – what birds are you seeing?

This is the most glorious thread on the Bogleheads forum - thank you JAZZISCOOL for starting this :D You're welcome! I know it is not a consumer financial or investment topic but it's a fun and interesting topic for some BH's, especially during a global pandemic! :happy I thank you too! I love watc...
by Dottie57
Mon May 11, 2020 2:06 pm
Forum: Investing - Theory, News & General
Topic: Paul Tudor: Compelling case for bitcoin ?
Replies: 213
Views: 10009

Re: Paul Tudor: Compelling case for bitcoin ?

Jack FFR1846 wrote:
Mon May 11, 2020 2:04 pm
StormShadow wrote:
Mon May 11, 2020 1:59 pm
indexlover wrote:
Mon May 11, 2020 12:35 pm
Thoughts ?
Yeah...

Currency speculation is extremely risky and not really an investment.

Cryptocurrency speculation is stupid.

Those are my thoughts.
I don't know how you can say that.

Since those exact words were in my head and I didn't tell you.
:sharebeer
by Dottie57
Mon May 11, 2020 2:06 pm
Forum: Investing - Theory, News & General
Topic: Paul Tudor: Compelling case for bitcoin ?
Replies: 213
Views: 10009

Re: Paul Tudor: Compelling case for bitcoin ?

Ferdinand2014 wrote:
Mon May 11, 2020 12:48 pm
I see no compelling reason for bitcoin. I personally would never invest my money in any cryptocurrency.
+1000. For both points.
by Dottie57
Mon May 11, 2020 12:00 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 462
Views: 15804

Re: Bird watchers – what birds are you seeing?

This is the most glorious thread on the Bogleheads forum - thank you JAZZISCOOL for starting this :D You're welcome! I know it is not a consumer financial or investment topic but it's a fun and interesting topic for some BH's, especially during a global pandemic! :happy I thank you too! I love watc...
by Dottie57
Mon May 11, 2020 11:58 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 462
Views: 15804

Re: Bird watchers – what birds are you seeing?

Calico wrote:
Mon May 11, 2020 9:43 am
I am not really much of a bird watcher, but I saw a bald eagle eating a dead deer on the side of the road recently. I had no idea they would eat carrion.
Eagles tend to eat whatever is available. They will eat dead, rotting fish too.
by Dottie57
Mon May 11, 2020 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Advice needed - sister's home in foreclosure - terminal cancer
Replies: 26
Views: 2836

Re: Advice needed - sister's home in foreclosure - terminal cancer

BarbBrooklyn wrote:
Mon May 11, 2020 9:10 am
Off topic, but consider that the sons might consider a hospice facility at this point
This. Her home can be used as collateral for payment if necessary. Papers would have to be signed. This would probably be best for all.
by Dottie57
Mon May 11, 2020 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Advice needed - sister's home in foreclosure - terminal cancer
Replies: 26
Views: 2836

Re: Advice needed - sister's home in foreclosure - terminal cancer

If you have the resources, get the loan up to date. Is your sister still living in the house while in hospice.
by Dottie57
Sun May 10, 2020 10:29 pm
Forum: Personal Consumer Issues
Topic: Hospice care - room and board
Replies: 33
Views: 2584

Re: Hospice care - room and board

Thank you all for your support. Boglehead members are truly a one of a kind forum.

It is bed time and I swear I hear her rustle around in the bedroom next to mine. Funny how your mind plays tricks.
by Dottie57
Sun May 10, 2020 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Setting up wife after devorce
Replies: 45
Views: 5898

Re: Setting up wife after devorce

My wife of 41 years has decided to split. She is 64. We are good friends and I want her to make it. I'm giving her 120000 from my Ira to hers, I' also paying off 60000 in loans that I did not know about. This is one reason we are going separate ways. You think this is a good plan for her. 320000 in...
by Dottie57
Sun May 10, 2020 2:40 pm
Forum: Personal Consumer Issues
Topic: Hospice care - room and board
Replies: 33
Views: 2584

Re: Hospice care - room and board

Last post in thread.

The ordeal for my mom is over.

Thanks to all the kind responses.
by Dottie57
Sun May 10, 2020 10:12 am
Forum: Personal Finance (Not Investing)
Topic: 15 year mortgage vs 30 year payoff in 15
Replies: 41
Views: 3374

Re: 15 year mortgage vs 30 year payoff in 15

I went with 30 year.refi and paid enough extra to payoff in 11. This gave me lots of flexibility. A 15 yr mortgage would have been bad if I had been laid off.
by Dottie57
Sun May 10, 2020 8:59 am
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 63029

Re: So bottom is probably behind us....right?

We are gonna hit bottom in the winter. The way the virus is playing out and too many countries are opening up too quickly its gonna get worse economically and socially before it gets better. It amuses me how many people have become instant virologists and claim to know the future. You are right. No...
by Dottie57
Sat May 09, 2020 7:50 am
Forum: Personal Consumer Issues
Topic: COVID-19 has revealed the stark deficiencies in long-term care facilities regardless of ratings.
Replies: 80
Views: 5321

Re: COVID-19 has revealed the stark deficiencies in long-term care facilities regardless of ratings.

Nursing homes account for about 60% of the Covid-19 deaths in Connecticut. (1627 out of 2718 in total as of 5/6) That may sound high but officials have been very vigilant about counting properly . I think all the folks working there are trying their best but its a very difficult and sad situation. ...
by Dottie57
Sat May 09, 2020 7:19 am
Forum: Personal Consumer Issues
Topic: COVID-19 has revealed the stark deficiencies in long-term care facilities regardless of ratings.
Replies: 80
Views: 5321

Re: COVID-19 has revealed the stark deficiencies in long-term care facilities regardless of ratings.

There are two different LTC experiences: 1. Residents are still spry and just need some monitoring. 2. Skilled Nursing / 24/7 care monitoring. #2 is where bad things happen. Plan for in-home, skilled nursing today. Move in with your kids or move them into your place. Go live with friends in a simil...
by Dottie57
Sat May 09, 2020 6:40 am
Forum: Personal Consumer Issues
Topic: COVID-19 has revealed the stark deficiencies in long-term care facilities regardless of ratings.
Replies: 80
Views: 5321

Re: COVID-19 has revealed the stark deficiencies in long-term care facilities regardless of ratings.

Reubin wrote:
Fri May 08, 2020 6:10 pm
I am planning to stay in my home to my last day. If someone tries to alter my plan I will hire a lawyer to protect my rights.
If you can’t take care of yourself (physical or mental problems) you may have no choice.)
I hope you have resources to hire 24/7 home care.