Search found 4439 matches

by Dottie57
Sat Oct 20, 2018 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Late Start Retirement Investing -- Fund Advice
Replies: 18
Views: 860

Re: Late Start Retirement Investing -- Fund Advice

Stocks For large cap stocks use the iShares Russell value fund an the iShares Russell 1000 growth fund. Or S&P fund sticker of VOO. Do the value and growth small cap finds from iShares Not sure about the international. 7-10 year term treasuries or BND As long as interest rates go up, there will be ...
by Dottie57
Sat Oct 20, 2018 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Late Start Retirement Investing -- Fund Advice
Replies: 18
Views: 860

Re: Late Start Retirement Investing -- Fund Advice

Stocks For large cap stocks use the iShares Russell value fund an the iShares Russell 1000 growth fund. Or S&P fund sticker of VOO. Do the value and growth small cap finds from iShares Not sure about the international. 7-10 year term treasuries or BND As long as interest rates go up, there will be ...
by Dottie57
Sat Oct 20, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 89
Views: 3038

Re: Pull kids from school for vacations?

I don't have kids in school so please enlighten me. When people say schools don't "allow" absences, what exactly does that mean? Do they like fine you or something? What authority exactly do they have to say no? I would think the kid would remember the vacation time and bonding time with family far...
by Dottie57
Sat Oct 20, 2018 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Late Start Retirement Investing -- Fund Advice
Replies: 18
Views: 860

Re: Late Start Retirement Investing -- Fund Advice

Stocks For large cap stocks use the iShares Russell value fund an the iShares Russell 1000 growth fund. Or S&P fund sticker of VOO. Do the value and growth small cap finds from iShares Not sure about the international. 7-10 year term treasuries or BND As long as interest rates go up, there will be a...
by Dottie57
Sat Oct 20, 2018 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Do Any Annuities Offer a "Free Lunch"?
Replies: 20
Views: 1160

Re: Do Any Annuities Offer a "Free Lunch"?

Of course, it's a variable annuity! I wouldn't walk; I would run away from this shark. The only kind of annuity that makes sense to me is an inflation-indexed Single-Premium Immediate Annuity (inflation-indexed SPIA) bought at an advanced age when it gets cheaper, if still alive. Annuities of this ...
by Dottie57
Fri Oct 19, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 160
Views: 12604

Re: What time do you get up in the morning?

Retired here. I usually turn off the lights at midnight. I get up somewhere between 8:00 - 9:00.
by Dottie57
Fri Oct 19, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: Home Buying Books. [Looking for books about buying a home]
Replies: 5
Views: 362

Re: Home Buying Books.

Look at Amazon. There are books with good star ratings.
by Dottie57
Fri Oct 19, 2018 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?
Replies: 43
Views: 3734

Re: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?

My old employer does not pay out PTO. HR says it is a grant (noblesse oblige), not earned. It is granted to each employee in the same manner as if it was earned. I expect someone will cause a stink and it will return to being earned and therefore payable at termination. Amazing what employers will d...
by Dottie57
Fri Oct 19, 2018 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: keep cash in after-tax for bridge to Social Security ?
Replies: 38
Views: 3494

Re: keep cash in after-tax for bridge to Social Security ?

Currently I have almost enough cash (and cash equivalents like short-term CDs) to last me until then. SS will almost meet my living expenses - and by annuitizing a TIAA-CREF account, also planned at age70, I will be there - so my other investments will be gravy. Wouldn't you, at least, put this int...
by Dottie57
Fri Oct 19, 2018 12:39 pm
Forum: Investing - Theory, News & General
Topic: Are bonds the Maginot Line of Modern Investing?
Replies: 41
Views: 3259

Re: Are bonds the Maginot Line of Modern Investing?

I mean, who predicted the World Trade center being brought down as the cause of the 2001 crash? While we're debunking myths... I've seen this casually mentioned a few times on this forum, but I don't think there's much evidence to associate 9/11 with a crash. S&P 500 earnings and the value of the i...
by Dottie57
Fri Oct 19, 2018 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: CA property tax > $10K, any options to deduct all?
Replies: 24
Views: 3272

Re: CA property tax > $10K, any options to deduct all?

Income: Your Income: $150k Spouse Income: $150k Children: 0 Itemized Deductions: State and Local Tax: $16K ($10k CA, $12k/2 property tax) Spouse State and Local Tax: $16k ($10k CA, $12k/2 property tax) Mortgage Interest: $16k ($32k/2) Spouse Mortgage Interest: $16k ($32k/2) Tax as two individuals: ...
by Dottie57
Thu Oct 18, 2018 10:51 pm
Forum: Personal Consumer Issues
Topic: Any one have a Rotimatic?
Replies: 5
Views: 985

Re: Any one have a Rotimatic?

What kind f flat bread did it make? Naan, pita? Or simply a tortilla, if no yeast is used.

Personally, I think making it the old fashioned way is better.
by Dottie57
Thu Oct 18, 2018 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: What the heck to do with $2M windfall
Replies: 22
Views: 3983

Re: What the heck to do with $2M windfall

Thanks for taking the time to respond. I am in my mid-30s with no debt above 4% (including auto, home, and student loans). I currently have another $1.5M in net assets and would like to retire at 60 with $10,000,000. I’ve supefunded my 2 kids’ 529s and max out retirement. With the sale of our busin...
by Dottie57
Thu Oct 18, 2018 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Should we downgrade our house?
Replies: 40
Views: 3205

Re: Should we downgrade our house?

It depends on what you mean by less than ideal. I agree with Klangfool that schools should be a very high priority. If you move to Atlanta, I think you will have significant travel to work time. You need to figur out which is more important: schools or retirement.
by Dottie57
Thu Oct 18, 2018 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: What the heck to do with $2M windfall
Replies: 22
Views: 3983

Re: What the heck to do with $2M windfall

Thanks for taking the time to respond. I am in my mid-30s with no debt above 4% (including auto, home, and student loans). I currently have another $1.5M in net assets and would like to retire at 60 with $10,000,000. I’ve supefunded my 2 kids’ 529s and max out retirement. With the sale of our busin...
by Dottie57
Thu Oct 18, 2018 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: 2018 Income Tax Simulation
Replies: 10
Views: 1918

Re: 2018 Income Tax Simulation

I like this one: https://www.mortgagecalculator.org/calcs/1040-calculator.php It doesn't tell you about Medicare premium but easy enough to google: IRMAA Might be comforting to check w/ other tax calculators...both Taxcaster and the HR Block tax calculator have what looks like a 2017 calculator but...
by Dottie57
Thu Oct 18, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Heavy Loss in Stable Value Fund of 401k investments
Replies: 31
Views: 3542

Re: Heavy Loss in Stable Value Fund of 401k investments

The Stable Value fund which I have invested is called “Galliard Capital Management”. I think the important part is the value shown at Fidelity is the book value and NOT the market value. I believe book value is purchase price of underlying contracts plus interest. When your company exited the stable...
by Dottie57
Thu Oct 18, 2018 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Heavy Loss in Stable Value Fund of 401k investments
Replies: 31
Views: 3542

Re: Heavy Loss in Stable Value Fund of 401k investments

I think it depends on what the stable value fund invests in. My former employer put the money in guaranteed contracts (insurance companies?). The fund dindn’t lose money during the Great Recession, but plodded on with about 2% return.
by Dottie57
Wed Oct 17, 2018 10:47 pm
Forum: Personal Consumer Issues
Topic: Corporate politics/culture
Replies: 43
Views: 3862

Re: Corporate politics/culture

the new ceo is a guy from a good wall street firm. Unless your company is a somewhat similar wall street firm(even if not on wall street) then you have to wonder why they hired someone from a wall street firm. The reason could be that he was hired to extract value from the company then sell off the...
by Dottie57
Wed Oct 17, 2018 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Down payment into Ally 1% offer, how will it affect mortgage applications?
Replies: 11
Views: 928

Re: Down payment into Ally 1% offer, how will it affect mortgage applications?

Are you complicating your lives by chasing 1% for a potentially small amount of time? So, to be fair, I believe the annualized yield is something like 4-5%. With that said, that's what I'm trying to figure out. I don't know whether it will complicate our lives - hence I am seeking the input of thos...
by Dottie57
Wed Oct 17, 2018 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Did you retire because you hit your number?
Replies: 71
Views: 6255

Re: Did you retire because you hit your number?

I asked for a review from Bogleheads ( 2 years ago) and it seemed like I could retire if desired. Kept working. Last year an early retirement package was offered. I took it and retired with good severance. I wasn’t happy with work, was physically tired and when the package was offered, it seemed lik...
by Dottie57
Wed Oct 17, 2018 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Down payment into Ally 1% offer, how will it affect mortgage applications?
Replies: 11
Views: 928

Re: Down payment into Ally 1% offer, how will it affect mortgage applications?

Are you complicating your lives by chasing 1% for a potentially small amount of time?
by Dottie57
Wed Oct 17, 2018 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 122
Views: 9850

Re: Where would you go for financial guidance if you win the Megamillions?

Bogleheads is what I would use. May a prime money market at first. Then: 1). Give my mom a big pot of money so she could move anywhere she would want. 2). Split money with my only brother. Couldn’t be rich without him also having money. 3). Look at what is left and give money to two good friends. 4)...
by Dottie57
Wed Oct 17, 2018 6:41 pm
Forum: Investing - Theory, News & General
Topic: "Retirement age uncertainty increases the savings needed for success"
Replies: 46
Views: 4125

Re: "Retirement age uncertainty increases the savings needed for success"

SevenBridgesRoad wrote:
Sun Oct 07, 2018 11:48 pm
I'm average then. Just made it. Retired two weeks ago at...61. 62nd birthday next week.

I always planned to retire somwhere between 65 and 70. Early retirement package allong with goo returns durn last 10 years allowed me to retire at 61. So I guess I am just average.
by Dottie57
Wed Oct 17, 2018 5:28 pm
Forum: Investing - Theory, News & General
Topic: flat for the year
Replies: 27
Views: 2471

Re: flat for the year

What is the ticker for your S&P fund?
by Dottie57
Wed Oct 17, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Would you ever buy a lottery ticket?
Replies: 32
Views: 1268

Re: Would you ever buy a lottery ticket?

HoosierJim wrote:
Wed Oct 17, 2018 2:28 pm
I am dollar cost averaging into lottery sector - 1 ticket per week whenever prize is over $300 million. Just the discussions of "what I would I do with >$300 million" are worth the price.
+1 - I usually buy when I fill up the car gas tank.
by Dottie57
Tue Oct 16, 2018 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: "MegaMillions and Powerball jackpots combined are now $1B" - Good investment?
Replies: 55
Views: 2721

Re: "MegaMillions and Powerball jackpots combined are now $1B" - Good investment?

folks at work did a pool thing, I opted out as I don't subscribe to these types of things...was given a hard time since it was only a $2 contribution but it's ok. I don't gamble as it's against my principle. I used to participate since I didn’t want to be the last person in the department when ever...
by Dottie57
Tue Oct 16, 2018 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Pay CGs now to move into Index, or hold?
Replies: 8
Views: 533

Re: Pay CGs now to move into Index, or hold?

How far away is retirement? If ten years away, think about small amounts each year.

Also consider we have lower tax rates now.
by Dottie57
Tue Oct 16, 2018 10:58 am
Forum: Investing - Theory, News & General
Topic: Monthly vs. Annual Withdrawals
Replies: 15
Views: 1100

Re: Monthly vs. Annual Withdrawals

What happens in a negative returns scenario for some years? Or is that included already
by Dottie57
Tue Oct 16, 2018 9:40 am
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 158
Views: 13382

Re: Correlation between the FIRE movement and one of the greatest bull markets

I hope a bear market of “epic” proportions does not happen anytime soon. Assuming “epic” is greater than 50% decline.
by Dottie57
Tue Oct 16, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Relocation to California
Replies: 49
Views: 4120

Re: Relocation to California

My wife recently met her biological family who lives in the San Fernando Valley. In order for her to be closer to them and get to know them, we are thinking of relocating from Dallas to that area of California in about a year. My wife works from home so she would easily be able to make such a move....
by Dottie57
Mon Oct 15, 2018 10:42 pm
Forum: Personal Consumer Issues
Topic: How do you buy a mattress ?
Replies: 31
Views: 2336

Re: How do you buy a mattress ?

Smoke wrote:
Mon Oct 15, 2018 10:46 am
Select comfort. air mattress. Light weight, set firmness via remote, I have one that is 20 yrs old (Queen) feels as good as when it was new.

I have had this since 2012. It has worked very well for me.
by Dottie57
Mon Oct 15, 2018 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 88
Views: 5820

Re: When to stop putting money into an older vehicle

This! I would not drive a car that old, and would probably replace a vehicle that is say 10 or so years old with newer. I worry that even though the vehicle may be reliable I'll miss out on new safety features. I have a 2003 vehicle too and am facing a repair issue which might be costly. I don't co...
by Dottie57
Mon Oct 15, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 171
Views: 55051

Re: Time to reach 1M and 2M milestones

David Jay wrote:
Sun May 17, 2015 8:19 pm
With a 70/30 or 60/40 portfolio, long term growth should be about 7-8%. So using 7.5%, it should take less than 10 years without any contributions (again, this is the average!).

It took me almost that long to get from zero to 50,000
+1
by Dottie57
Mon Oct 15, 2018 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Doing my own taxes?
Replies: 13
Views: 1384

Re: Doing my own taxes?

Thanks for the reality check.... Probably best to leave things as they are. For those who asked, I do all the other accounting functions (bill paying, entering invoices, etc.) With the business taxes included, it is very good you are keeping the accountant. I use turbo tax because my taxes are simp...
by Dottie57
Mon Oct 15, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: How much to spend on landscaping?
Replies: 6
Views: 1337

Re: How much to spend on landscaping?

Assuming you won’t finance the project, go ahead and do it. Know what you want and the goals for the project. Remember you can change parts of any proposal. Add things, remove.

Get multiple bids.
by Dottie57
Mon Oct 15, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Not convinced with insurance
Replies: 45
Views: 3536

Re: Not convinced with insurance

Umbrella insurance: I bought when assets over 1m and old enough to not be able to replace lost money. Home insurance: replacement cost + a readable policy. Next year I will replace mine. Use an agent / broker who represents many companies. Life insurance: get a small amount with a rider that guarant...
by Dottie57
Sun Oct 14, 2018 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Have you annuitized some of your money?
Replies: 67
Views: 5649

Re: Have you annuitized some of your money?

I have been playing around with the idea of a 15 year annuity to bridge the gap between 52 to 67 as part of a FIRE plan. The annuity would run out and SS would start up to take the place of the monthly annuity income at age 67. Anyone consider this and have thoughts? Also, in comparing annuities, w...
by Dottie57
Sun Oct 14, 2018 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Have you annuitized some of your money?
Replies: 67
Views: 5649

Re: Have you annuitized some of your money?

Farmboyslim83 wrote:
Sun Oct 14, 2018 5:02 pm
Thoughts on DIA, instead of SPIA? Buying now and waiting 5-6 years to begin payments results in a higher monthly payment. Think most would jump on a 5% 5-year CD, why not a DIA in 5 years at +7%?
Do you mean SPDA - single premium deferred annuity?
by Dottie57
Sun Oct 14, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: 1950s home. Replace drywall and insulation or repair it
Replies: 19
Views: 1669

Re: 1950s home. Replace drywall and insulation or repair it

One of the best investments my parents made (for heating and cooling) was replacing the windows in their 1956 home. It made significant difference in comfort during all seasons.

I would do the insulation.
by Dottie57
Sun Oct 14, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Need new email address. Gmail or ???
Replies: 70
Views: 5077

Re: Need new email address. Gmail or ???

GoldStar wrote:
Sun Oct 14, 2018 6:09 am
BoglePaul wrote:
Sat Oct 13, 2018 10:33 pm
To get anything done you really need a gmail account and an outlook.com account. Which one to use for email is a tough choice. If Microsoft still made Windows Phone, the choice would be easier.
I somehow get everything done without either.
Me too.
by Dottie57
Sun Oct 14, 2018 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Please help with asset allocation - 63 yr old
Replies: 12
Views: 1395

Re: Would like to create a better portfolio

My apologies for any confusion. The reason for my post is as title implies, a review of my present portfolio and funds vs options; hence the posted information of my present fund selections. Of course, already having a Vanguard account also provides me many options. In answer to the first 3 posts, ...
by Dottie57
Sat Oct 13, 2018 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with asset allocation - 63 yr old
Replies: 12
Views: 1395

Re: How Am I Doing? 63 Yrs Young

The way I think of retirement expenses is : monthly take home pay + medical insurance costs + taxes. And remember you won’t have the Roth IRA contribution expense.
by Dottie57
Sat Oct 13, 2018 6:20 pm
Forum: Investing - Theory, News & General
Topic: Is EMH a tautology?
Replies: 108
Views: 4633

Re: Is EMH a tautology?

If the U.S. market is efficient, what caused it to go down much of last week? Do not confuse efficiency with explainability. To my mind it is not terribly efficient togo down or up 2%. And I would think they should go together. Otherwise it is a story of sparrows getting spooked and slowly coming b...
by Dottie57
Sat Oct 13, 2018 6:16 pm
Forum: Personal Consumer Issues
Topic: Reducing overall medical costs. Do we do anything?
Replies: 67
Views: 3075

Re: Reducing overall medical costs. Do we do anything?

I take my medication as stipulated. With allergies/asthma I will have enough problems that an office call will be necessary. Also try to stay away from thosewith colds - which cause asthma problems for me.
by Dottie57
Sat Oct 13, 2018 6:09 pm
Forum: Investing - Theory, News & General
Topic: Is EMH a tautology?
Replies: 108
Views: 4633

Re: Is EMH a tautology?

If the U.S. market is efficient, what caused it to go down much of last week? Do not confuse efficiency with explainability. To my mind it is not terribly efficient togo down or up 2%. And I would think they should go together. Otherwise it is a story of sparrows getting spooked and slowly coming b...
by Dottie57
Sat Oct 13, 2018 5:48 pm
Forum: Investing - Theory, News & General
Topic: Is EMH a tautology?
Replies: 108
Views: 4633

Re: Is EMH a tautology?

If the U.S. market is efficient, what caused it to go down much of last week?
by Dottie57
Sat Oct 13, 2018 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Weigh in on our Marital Argument =)-- HCOL edition
Replies: 70
Views: 5369

Re: Weigh in on our Marital Argument =)-- HCOL edition

Three bedroom condo in your neighbor hood. Kids of separate genders should have separate rooms. The rooms don’t need to be big. Room for single bed, chest of drawers amd desk for study.

Hotel for grandparents. On their dimeor yours. Hopefully in walking distance.