Search found 6094 matches

by Dottie57
Sat Jun 15, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4501
Views: 1162015

Re: What Movie Have You Recently Watched?

Apollo 11 (2019) I thought I knew the story of Apollo 11 but this amazing film, with footage not shown before, was a revelation. This documentary focused not only on the mission but also the myriad of people and events behind the scenes that gave the endeavor success. The film does not have the fuz...
by Dottie57
Sat Jun 15, 2019 8:29 am
Forum: Personal Consumer Issues
Topic: Durable non-stick cookware suggestions?
Replies: 18
Views: 1172

Re: Durable non-stick cookware suggestions?

If you are talking about “Teflon” like pans with a coating, Very few if any last for 20 yrs plus. I think cast iron can be seasoned and used to the point where they are non stick. Rarely washed, just wiped out , theydo become nicely non stick. I have a 10" Erie cast iron skillet that's 100 years ol...
by Dottie57
Sat Jun 15, 2019 8:27 am
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 36
Views: 1523

Re: IPhone 6 - showing some age

Send it to Apple. I think the battery replacement is $99. Ths is far cheaper than a new phone.

Also fo into Settings app, find Battery , and see which apps are using up cpu. See if there is something unusual going on.
by Dottie57
Fri Jun 14, 2019 8:00 pm
Forum: Personal Consumer Issues
Topic: Durable non-stick cookware suggestions?
Replies: 18
Views: 1172

Re: Durable non-stick cookware suggestions?

If you are talking about “Teflon” like pans with a coating, Very few if any last for 20 yrs plus.

I think cast iron can be seasoned and used to the point where they are non stick. Rarely washed, just wiped out , theydo become nicely non stick.
by Dottie57
Fri Jun 14, 2019 11:17 am
Forum: Personal Investments
Topic: Purchasing home with less than 20% downpayment experiences?
Replies: 52
Views: 3220

Re: Purchasing home with less than 20% downpayment experiences?

I put down 2%! :shock: in 1987. The city I live in had a special financing program for a condo development created for first time owners. I put down 2%, had a primary FHA mortgage (10%) and a secondary simple interest(5%) in amount of 5k. The city thought it would sell to young couples with or witho...
by Dottie57
Fri Jun 14, 2019 11:12 am
Forum: Personal Investments
Topic: Paradox of CCRC Funding!
Replies: 11
Views: 1288

Re: Paradox of CCRC Funding!

Hi Bloom2708, Your caution is spot on and very much appreciated. We, too, are skeptical of blowing home-equity and most of taxable funds, in one go, to pay CCRC entrance fee! These CCRCs are bit over the top with 7-9k, in monthly fees. All our lives we have been conservative savers / spenders, but ...
by Dottie57
Fri Jun 14, 2019 9:29 am
Forum: Personal Finance (Not Investing)
Topic: what type of term life insurance
Replies: 10
Views: 638

Re: what type of term life insurance

We are in a similar situation as your daughter and son-in-law. We got term life with premium fixed for the duration of the policy. We have separate policies. Each of our policy is enough to pay off all our debts and one year of expenses. With debt paid of each of our salaries are enough to support ...
by Dottie57
Fri Jun 14, 2019 9:20 am
Forum: Personal Investments
Topic: Can't do this alone-need a financial planner-please help!
Replies: 17
Views: 2724

Re: Can't do this alone-need a financial planner-please help!

Welcome, Investing in a simple 2 or 3 fund portfolio is not rocket science. Major provider used her are Vanguard , Fidelity, and Schwab. Some like Merrill Edge too. I have a Fidelity office 2 blocks from me, so I go there. Fidelity also has a great web site. Don’t know much about the others. Vanguar...
by Dottie57
Thu Jun 13, 2019 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 314
Views: 20646

Re: Selling home- Demanding Buyer (Repairs)

My agent found out that buyer wants best available technology for the septic. Oh brother. My obligation, I believe is to give him a functional septic that county will approve of. If he wants to go above that, then he can pay that difference. I appreciate all of the input. You’ve been given lots of ...
by Dottie57
Thu Jun 13, 2019 10:17 am
Forum: Personal Consumer Issues
Topic: 15K CAR with comfortable seats and quiet
Replies: 51
Views: 3796

Re: 15K CAR with comfortable seats and quiet

The quietest car I ever rode in was a Camry hybrid. I suspect hybrids are all very quiet.
by Dottie57
Thu Jun 13, 2019 9:01 am
Forum: Personal Consumer Issues
Topic: Fixing financial "leakage" - what do you do?
Replies: 22
Views: 2897

Re: Fixing financial "leakage" - what do you do?

I don’t go shopping often. Sewing machine to change clothes as body shape changes.
by Dottie57
Thu Jun 13, 2019 8:50 am
Forum: Personal Investments
Topic: HSA - Save Reciepts When Paying Bills?
Replies: 36
Views: 2155

Re: HSA - Save Reciepts When Paying Bills?

If you are paying with an HSA you have MORE reason to keep the bills because they substantiate that the withdrawals are qualified. You can get a 20% penalty + taxes if those are disallowed on audit. Many service providers allow you to take a picture and save it as support. There really isn't a reas...
by Dottie57
Thu Jun 13, 2019 8:23 am
Forum: Non-US Investing
Topic: NRA with US Vanguard & Fidelity Account mistake? Avoid 30% withholding
Replies: 15
Views: 1737

Re: NRA with US Vanguard & Fidelity Account mistake? Avoid 30% withholding

LadyGeek wrote:
Wed Oct 12, 2016 9:55 pm
This thread is now in the Personal Finance (Not Investing) forum (taxation).

NRA = Non-Resident Alien
Thank you - couldn’t figure out the National Rifle Association and Vanguard combo!
by Dottie57
Thu Jun 13, 2019 8:14 am
Forum: Personal Investments
Topic: Inheritance quadrupled my portfolio--I need advice
Replies: 13
Views: 2618

Re: Inheritance quadrupled my portfolio--I need advice

First, you don't have to make any big decisions right now. Park it in a high yield savings account for now. My feeling is, you've won the game. Stop playing. If you can stomach a large loss in value with fluctuations of the stock market, then go ahead with 50/50. Personally, I think 40/60 or even 3...
by Dottie57
Wed Jun 12, 2019 1:04 pm
Forum: Personal Investments
Topic: My Retirement "Catch Up" plan. Please help/critique.
Replies: 21
Views: 2834

Re: My Retirement "Catch Up" plan. Please help/critique.

OP, Use all of your 401k tax deferred space. Back door Roth (max). Open a taxable brokerage account and start buying there. Make sure you have an appropriate emergency fund. Don’t believe you are excellent stock picker. Invest in three fund portfolio and you will do well. The amount you invest will ...
by Dottie57
Wed Jun 12, 2019 11:35 am
Forum: Personal Finance (Not Investing)
Topic: How to preserve $10M+ in wealth owned by unsophisticated people?
Replies: 82
Views: 13757

Re: How to preserve $10M+ in wealth owned by unsophisticated people?

bubbadog wrote:
Fri May 31, 2019 10:17 am
Maybe the OP should decline the monthly stipend and find a new way to support himself and his family first.
Getting a job comes to mind. I am sure the parents would appreciate and support that decision.
Or not decline but invest the money. Job to pay the bills.
by Dottie57
Tue Jun 11, 2019 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Sudden Debt - best strategy to pay off? (30k total)
Replies: 20
Views: 1984

Re: Sudden Debt - best strategy to pay off? (30k total)

Your girlfriend should dig into that $300K stash and/or take a loan against her 401(k) to cover at least half of the debt. She shouldn’t get a pass because she bought an expensive car while she had student loan debt. Her net worth is significantly higher than yours, and your incomes are virtually i...
by Dottie57
Mon Jun 10, 2019 10:57 pm
Forum: Personal Investments
Topic: [Is age 61 too late in life to begin funding a Roth 401k?]
Replies: 22
Views: 2505

Re: [Is age 61 too late in life to begin funding a Roth 401k?]

Yeah I could but the fund selection in my 401k is not great - I like to Slice and Dice but I only have access to Vanguard Target Retirement funds and a few other funds with high ER (not from Vanguard of course!). I guess I'm a bit lazy but I don't want to give up my slice and dice portfolio just to...
by Dottie57
Mon Jun 10, 2019 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Late Life/End of Life Expenses
Replies: 38
Views: 3530

Re: Late Life/End of Life Expenses

Sandtrap wrote:
Mon Jun 10, 2019 8:37 pm
What is not discussed is what happens to the patients at nursing and care homes who run out of all coverage and have no more assets, and no rich relatives.

Not to mention the difference between the quality of care if one has the financial means and the non-quality of care if one doesn't.

j
+1.
by Dottie57
Mon Jun 10, 2019 8:24 pm
Forum: Personal Consumer Issues
Topic: Panasonic LUMIX DSC-FZ35 camera.
Replies: 34
Views: 1770

Re: Panasonic LUMIX DSC-FZ35 camera.

******** UPDATE *********

I was outbid, which I think is just fine. I have lots of info from this thread, so will look in more depth for a nice super zoom with a more modern set of features.

Thanks to all who responded. The pictures show some talented photographers in this group.
by Dottie57
Mon Jun 10, 2019 4:03 pm
Forum: Personal Investments
Topic: HSA investment advice
Replies: 24
Views: 2011

Re: HSA investment advice

Also keep the deductible or max out of pocket in cash in case you have a bad year. I've never understood this advice. Why wouldn't you invest everything you can? You could always sell the investments if you needed to pay off medical bills but I have no intention of doing that until I'm well into re...
by Dottie57
Mon Jun 10, 2019 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 314
Views: 20646

Re: Selling home- Demanding Buyer (Repairs)

Thanks veindoc. It is an option, but I think I rather just take off the purchase price because then buyer can have it done to his satisfaction. What if he does not like that trucks made lines, left dirt marks on the driveway, knocked down a bush in the process? It takes that variable away. Your buy...
by Dottie57
Mon Jun 10, 2019 8:19 am
Forum: Personal Investments
Topic: HSA investment advice
Replies: 24
Views: 2011

Re: HSA investment advice

Hi OP,

I would put money into Vanguard short term bond or total bond for investment.

Also keep the deductible or max out of pocket in cash in case you have a bad year.
by Dottie57
Mon Jun 10, 2019 8:06 am
Forum: Investing - Theory, News & General
Topic: Motley Fool Social Security Tip(s)
Replies: 6
Views: 1370

Re: Motley Fool Social Security Tip(s)

The Motley Fool barely survived the dot com bust and went on to try selling all sorts of subscription services. That was ironic since the "fool" part of the name originally came from them trying to saying that the "wise" financial advisors and people selling subscriptions could not beat the market ...
by Dottie57
Sun Jun 09, 2019 2:32 pm
Forum: Personal Consumer Issues
Topic: Panasonic LUMIX DSC-FZ35 camera.
Replies: 34
Views: 1770

Re: Panasonic LUMIX DSC-FZ35 camera.

https://live.staticflickr.com/65535/48030161931_4808a9fac3_b.jpg https://live.staticflickr.com/65535/48030200881_9b4959fe08_b.jpg I don't miss mine, but I did get some keepers with it back in the day. Even if I still had it, under no circumstances could I see grabbing it to bring with me vs dslr. N...
by Dottie57
Sun Jun 09, 2019 2:31 pm
Forum: Personal Consumer Issues
Topic: Panasonic LUMIX DSC-FZ35 camera.
Replies: 34
Views: 1770

Re: Panasonic LUMIX DSC-FZ35 camera.

You can also do dragonflies. Yep, I looked up an old image I had of a Dragonfly that I took with my old Panasonic. I looked at the Metadata and it was an FZ40 but I did not take the time to compare that to the FZ35 that the OP is looking at. That is probably one of the best photos that I took with ...
by Dottie57
Sun Jun 09, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: Switching From Medicare Advantage to Traditional Medicare
Replies: 18
Views: 2307

Re: Switching From Medicare Advantage to Traditional Medicare

I have reviewed the more recent threads regarding this issue. And it's still unclear to me if one can go from Medicare Advantage to Traditional Medicare. The situation is about a very good friend of mine with significant health issues (would not qualify for underwriting). He's 70 1/2 years old and ...
by Dottie57
Sun Jun 09, 2019 9:28 am
Forum: Personal Consumer Issues
Topic: Panasonic LUMIX DSC-FZ35 camera.
Replies: 34
Views: 1770

Re: Panasonic LUMIX DSC-FZ35 camera.

Yes, I do want an EVF since I find lcd screens difficult to use in bright sunshine. Batteries seem like they are under $20. So are doable. I’d like to stay under $100 if possible. Be careful about overpaying for the FZ35, there is nothing wrong with it if you can get it cheap but if everything adds...
by Dottie57
Sun Jun 09, 2019 12:18 am
Forum: Personal Consumer Issues
Topic: Panasonic LUMIX DSC-FZ35 camera.
Replies: 34
Views: 1770

Re: Panasonic LUMIX DSC-FZ35 camera.

I am looking for a used (cheap) camera with good zoom capabilities. I would like to take pictures of backyard wild life and maybe nearby wildlife. On a tight budget. Hoping someone can comment on the Panasonic LUMIX DSC-FZ35. I have a bid on it on EBay. Would also consider other suggestions too. Ho...
by Dottie57
Sat Jun 08, 2019 11:55 pm
Forum: Personal Consumer Issues
Topic: Panasonic LUMIX DSC-FZ35 camera.
Replies: 34
Views: 1770

Re: Panasonic LUMIX DSC-FZ35 camera.

I have that camera, and it has some mixed. It is very light weight, ultra zoom. You can stand there and get a 100x close up photo of the Moon, hand held. When it came out it got dinged for less than stellar JPEG quality (internal processing issue of some kind). But if I am wanting super zoom for wi...
by Dottie57
Sat Jun 08, 2019 11:52 pm
Forum: Personal Consumer Issues
Topic: Panasonic LUMIX DSC-FZ35 camera.
Replies: 34
Views: 1770

Re: Panasonic LUMIX DSC-FZ35 camera.

An xs420 or b500 is a completely different category of camera, having no EVF. You either want an EVF or you don't. Most people do. So suggest something better. OP never mentioned wanting an EVF, just zoom for wildlife and cheap. I was trying to find a relatively cheap superzoom, but more recent tha...
by Dottie57
Sat Jun 08, 2019 8:50 pm
Forum: Personal Consumer Issues
Topic: Panasonic LUMIX DSC-FZ35 camera.
Replies: 34
Views: 1770

Re: Panasonic LUMIX DSC-FZ35 camera.

You’re buying a ten year old camera. It’s 10 year old technology, and probably comes with dead batteries. If the batteries are available, they will probably be more expensive than the camera itself. I would try to find a slightly used Nikon Coolpix B500 or Canon Powershot SX420. Either of those wil...
by Dottie57
Sat Jun 08, 2019 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: How to start outsourcing?
Replies: 21
Views: 1955

Re: How to start outsourcing?

In case you are not kidding. 1)cleaning service. 2) virtual assistant - buy a calendar and put dates on it. Sticky notes for reminders. Put them on your doors. 3) nutritionist - “Eat food. Not too much. Mostly plants.” At grocery store go to fresh fruit and vegetable Aisle and do most of purchases h...
by Dottie57
Sat Jun 08, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: Panasonic LUMIX DSC-FZ35 camera.
Replies: 34
Views: 1770

Panasonic LUMIX DSC-FZ35 camera.

I am looking for a used (cheap) camera with good zoom capabilities. I would like to take pictures of backyard wild life and maybe nearby wildlife. On a tight budget. Hoping someone can comment on the Panasonic LUMIX DSC-FZ35. I have a bid on it on EBay. Would also consider other suggestions too. ***...
by Dottie57
Sat Jun 08, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: How did you adjust to your kids moving out?
Replies: 11
Views: 1026

Re: How did you adjust to your kids moving out?

No kids but I will tell whatmy parents did.

My mom redecorated my bedroom for her own use. My place at the table was occupied by the toaster. My brother got to eat the extra hamburger.

Parents had few problems since I stayed in same city.
by Dottie57
Sat Jun 08, 2019 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Do you carry Umbrella Insurance?
Replies: 136
Views: 7885

Re: Do you carry Umbrella Insurance?

Chris K Jones wrote:
Sat Jun 08, 2019 7:47 am
It is a bit more than 100% of net worth. MY rationale is same as previous poster. It is affordable and is an amount that insurance company would probably put up spirited defense and not just easily settle.
I have 150% of net worth. Same reason.
by Dottie57
Sat Jun 08, 2019 7:59 am
Forum: Investing - Theory, News & General
Topic: Are market downturns & crashes really driven by fear?
Replies: 23
Views: 1734

Re: Are market downturns & crashes really driven by fear?

If I am correct it doesn't require much selling or increase in selling to send the markets down,all it takes is for buying to dry up some. And current prices are driven by current buying vs. selling,cumulative flows of money that have occurred previously into/out of the markets have little effect o...
by Dottie57
Fri Jun 07, 2019 7:47 pm
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 7635

Re: What flagship (even used) item is better than a budget new item?

Quality over cheap? Fresh squeezed orange juice. +1 on Nespresso as well. Nespresso. +1 The Nespresso pods arrived yesterday, while I still had some leftovers from that knock-off brand. I made 2 shots (1 Nespresso and 1 from the Knock-off) and compared them. The result for those who might be intere...
by Dottie57
Fri Jun 07, 2019 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Complex Social Security Question (GPO and WEP)
Replies: 7
Views: 815

Re: Complex Social Security Question

cherijoh wrote:
Fri Jun 07, 2019 5:52 pm
I would hop over to the Oblivious Investor website. He is very knowledgeable about SS topics and authored a Social Security calculator that many Bogleheads are recommending.
Seriously go to the listed website. Mike Piper wrote a book on SS and it is found at Amazon.
by Dottie57
Fri Jun 07, 2019 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house without a garage?
Replies: 95
Views: 5886

Re: Would you buy a house without a garage?

No, I wouldn't buy a house without a garage or a basement. Agree. Cars go in a garage. Keeps them clean and better inside temperature. I agree about a garage but in many locals basement is rare. I can't even think of a house in my whole county I have seen with a real basement or even a walk out. Fo...
by Dottie57
Fri Jun 07, 2019 1:27 pm
Forum: Personal Consumer Issues
Topic: mapping software
Replies: 5
Views: 477

Re: mapping software

A GPS unit?
by Dottie57
Fri Jun 07, 2019 1:22 pm
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 7635

Re: What flagship (even used) item is better than a budget new item?

travellight wrote:
Thu Jun 06, 2019 3:02 pm
Quality over cheap? Fresh squeezed orange juice.

+1 on Nespresso as well.
Nespresso. +1
by Dottie57
Fri Jun 07, 2019 1:18 pm
Forum: Personal Consumer Issues
Topic: New Camry Questions
Replies: 54
Views: 2516

Re: New Camry Questions

I don't trust the push-button start systems. There's nothing wrong with just a key. As for blind spot monitors, consider whether installing convex mirrors ("blind spot mirrors") would do the trick. Wife and I had considered a car purchase for the blind spot monitoring, but I installed some convex m...
by Dottie57
Fri Jun 07, 2019 9:47 am
Forum: Personal Consumer Issues
Topic: Buying Burial Plot in advance
Replies: 53
Views: 2681

Re: Buying Burial Plot in advance

Hi, Has anybody had any experience with buying burial plots? Would it really be cheaper to buy it earlier than later? I’m 39 years old male with a wife and two children. I’ve heard about burial plots as an investment. I don’t have any plans to use it as an investment vehicle, but rather buy the plo...
by Dottie57
Fri Jun 07, 2019 8:50 am
Forum: Investing - Theory, News & General
Topic: NYT on women as financial advisors
Replies: 3
Views: 1244

Re: NYT on women as financial advisors

The worst FA I had was female. I allowed her to talk me into selling options on Apple stock which I wanted to keep. She promised me it would not actually sell. She was wrong and I was stupid. Then I wanted to rebuy shares with the sales proceeds and she refused. She was let go within 6 months of thi...
by Dottie57
Fri Jun 07, 2019 8:18 am
Forum: Personal Consumer Issues
Topic: New Camry Questions
Replies: 54
Views: 2516

Re: New Camry Questions

Getting ready to replace my 2000 Camry with a 2019 Camry SE. My wife prefers the look of the SE over the LE, and beyond the aesthetics (she cares, me not so much), the small price difference ($1K) buys a tire pressure monitor, fake leather (Softex) upholstery that might be longer lasting/easier to ...
by Dottie57
Fri Jun 07, 2019 7:46 am
Forum: Investing - Theory, News & General
Topic: Fidelity expands commission-free ETF list to >500
Replies: 55
Views: 4469

Re: Fidelity expands commission-free ETF list to >500

Obviously Fido wont offer free Vanguard ETFs, not part of their marketing strategy but I think iShares free ETFs at Fido are typically better vs Vanguard ... Would be amazing if they would offer Vanguard ETF's commission-free! Would love to invest in them in my HSA and traditional investment accoun...
by Dottie57
Fri Jun 07, 2019 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 314
Views: 20646

Re: Selling home- Demanding Buyer (Repairs)

I believe you are making several poor decisions. 1. Negotiating a price on the septic and leaving decision in hands of buyer when you have no idea the scope and cost of repair. 2. Agreeing to a financing contingency. Four weeks from now I can see your "buyer" will use failing to get financing as an...
by Dottie57
Thu Jun 06, 2019 7:18 pm
Forum: Personal Investments
Topic: Can I Keep Investing in Vanguard Wellington Even After Rolling Over to Fidelity
Replies: 12
Views: 1003

Re: Can I Keep Investing in Vanguard Wellington Even After Rolling Over to Fidelity

When I am on Fidelity's website, Wellington comes up as a transaction fee fund ($75) and closed to new investors. I'd call Fidelity and ask if you'll be allowed to purchase more if you bring in shares, or will they even reinvest dividends/cap gains for you. If you can purchase more, it will be $75 ...
by Dottie57
Thu Jun 06, 2019 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 314
Views: 20646

Re: Selling home- Demanding Buyer (Repairs)

Thanks Katiestu Why not continue to show now? He's under contract now and I cannot break it. But, if he hears that other people are looking at the house and submitting offers, it makes him more likely to stop playing games. Can you actually show the house when it is under contract? Until septic is ...