Search found 3874 matches

by Dottie57
Wed Aug 15, 2018 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 90
Views: 13963

Re: Who uses the 3 fund portfolio ?

I use three funds in all but 401k. I have to emulate 3 fund because there isn’t a total market fund.
by Dottie57
Wed Aug 15, 2018 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: My Own LLC
Replies: 5
Views: 523

Re: My Own LLC

I'm a physician and employed by a hospital. In addition, I own my own business in which I sell random things on Ebay and provide some services. For me, the business is not that important, but what I wonder about is how I can use my business to contribute to my retirement? Will you please shed some ...
by Dottie57
Wed Aug 15, 2018 7:32 pm
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 103
Views: 10763

Re: Very confused with the current market

Interesting thread the OP started 5 years ago... https://www.bogleheads.org/forum/viewtopic.php?f=1&t=115916&p=1687411#p1687411 I have to wonder when the OP was ever certain about the market? Sadly, it is why too many fall into the "average investor" returns that the orange column shows below in th...
by Dottie57
Wed Aug 15, 2018 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: Mega Back Door Roth IRA - possible or not?
Replies: 6
Views: 258

Re: Mega Back Door Roth IRA - possible or not?

Thank you, this helps a lot. "There is another thing called the "back door" that you can do - converting IRA to Roth IRA." Yes, but this is only $5500 per year, and I can do that through my individual plan which I will get it done next January. So it would be pretty sad if my employer doesn't offer...
by Dottie57
Wed Aug 15, 2018 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Octogenarian father in law's idea of balance: AAPL + CASH
Replies: 21
Views: 1543

Re: Octogenarian father in law's idea of balance: AAPL + CASH

One way to hedge against his concentrated position in aapl is to buy long term puts (leaps) on aapl and roll over periodically. You could also do a collar which would essentially be costless while limiting his downside and upside. You would lock in his current gains, or at least over a range. It’s ...
by Dottie57
Wed Aug 15, 2018 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Octogenarian father in law's idea of balance: AAPL + CASH
Replies: 21
Views: 1543

Re: Octogenarian father in law's idea of balance: AAPL + CASH

As others have said, forget the 529s. FIL may need the money and it should be used for his careuntil death.

Suggest selling 10% of Apple. Suggest the next year. Maybe do Treasury notes or bills?
by Dottie57
Wed Aug 15, 2018 3:17 pm
Forum: Investing - Theory, News & General
Topic: Bullish/bearish on GE? Make your case here - new lows today
Replies: 32
Views: 1736

Re: Bullish/bearish on GE? Make your case here - new lows today

Bear here.

I used to buy their appliance. The last few are not as good.

So no, GE is not my friend.

I
by Dottie57
Wed Aug 15, 2018 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Max Out Tax-Deferred Accounts?
Replies: 15
Views: 941

Re: Should I Max Out Tax-Deferred Accounts?

Max it out and start/add to a taxable. I wish I had started taxable earlier.
by Dottie57
Wed Aug 15, 2018 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: FIRE within 5 years with high income?
Replies: 8
Views: 1200

Re: FIRE within 5 years with high income?

Please update your post ( pencil in upper right hand corner of message)?
by Dottie57
Wed Aug 15, 2018 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Wife got a new job! Please evaluate my portfolio...
Replies: 18
Views: 1526

Re: Wife got a new job! Please evaluate my portfolio...

Is social security available to you? If so, what are the amounts at various ages?
by Dottie57
Tue Aug 14, 2018 6:47 pm
Forum: Personal Consumer Issues
Topic: Sidewalk repair - price in line?
Replies: 32
Views: 1760

Re: Sidewalk repair - price in line?

City gave us a code violation for cracks in three sidewalks. The property in in S. Florida. I requested a few estimates and only one contractor responded. He wants to obtain a city permit, remove the old walks and replace them. The three sidewalks to be replaced are 8 x 4 feet. I realize there's re...
by Dottie57
Tue Aug 14, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)
Replies: 22
Views: 2211

Re: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)

Non fiction

The Code Book by Simon Singh - great explanation of security.
by Dottie57
Tue Aug 14, 2018 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Fixed Deferred Annuity & Investment Options
Replies: 17
Views: 754

Re: Fixed Deferred Annuity & Investment Options

Advisor is with Fidelity. Have you already bought it (signed a contract) and can you get your money back? Fidelity has FP’s who are also salespeople. They make money by selling you annuities, their managed accounts, and perhaps the the actively managed expensive funds. Don’t do any of these. My FP ...
by Dottie57
Tue Aug 14, 2018 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Low seven figure windfall looking for advice
Replies: 8
Views: 1748

Re: Low seven figure windfall looking for advice

What's the % on the European mortgage? Personally, I'm very debt averse and would pay off that mortgage unless it's some unbelievable rate like 1%. I paid my mortgage off years ago and have never regretted it. It's very nice to write a check for $0 every month instead of thousands. Pay ff mortgage ...
by Dottie57
Tue Aug 14, 2018 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Fixed Deferred Annuity & Investment Options
Replies: 17
Views: 754

Re: Fixed Deferred Annuity & Investment Options

To add tothe cd option - which is less costly and will probably do better than yourcurrent annuity option.

Use the CD option to build up the cash. Then at age 70-75 purchase an SPIA if a new incme stream is desired.
by Dottie57
Tue Aug 14, 2018 7:59 am
Forum: Investing - Help with Personal Investments
Topic: Risk Averse Widow - Investing Life Insurance Proceeds
Replies: 8
Views: 598

Re: Risk Averse Widow - Investing Life Insurance Proceeds

OP, Your MIL may be old enough to qualify for a widow's benefit from Social Security. She could take this and let her benefit continue to grow until claiming at 70. The widow's benefit is at least 71.5% of her husband's PIA. Bear Widows benefits may be reduced if working . The reduction stops at fu...
by Dottie57
Mon Aug 13, 2018 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: Aggressive asset allocation for building a house in 10 years
Replies: 12
Views: 1117

Re: Aggressive asset allocation for building a house in 10 years

What type of home do you have now? If you own what is it’s value? What value do you see your future home being?
by Dottie57
Mon Aug 13, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: What is the best way to determine if one should buy something or save their money?
Replies: 29
Views: 1716

Re: What is the best way to determine if one should buy something or save their money?

willthrill81 wrote:
Mon Aug 13, 2018 7:36 pm
If a person is otherwise financially sound enough in their own estimation, they can buy whatever they wish. I would add a caveat to that though, that they should not go into debt for such things.
+1

You still have a life and should enjoy it.
by Dottie57
Mon Aug 13, 2018 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: 61 Year old in need of advice
Replies: 14
Views: 1445

Re: 61 Year old in need of advice

Hi All, I have been lurking for a while now finally decided to create an account to ask for some advice on my dads behalf, He is 61 years old and has about 150k just sitting in his savings account doing nothing for him. He communicated that he is wanting to make that money work for him and wanted s...
by Dottie57
Mon Aug 13, 2018 3:13 pm
Forum: Investing - Theory, News & General
Topic: Dealing with Impatience reaching financial goals
Replies: 35
Views: 4917

Re: Dealing with Impatience reaching financial goals

I have found that as I approach a financial milestone I get more and more impatient trying to reach it. [OT comment removed by admin LadyGeek] I have a decent savings rate and have had one most of my life but in my current state I can totally sympathize with people who are not prioritizing saving f...
by Dottie57
Mon Aug 13, 2018 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: How to have “what if” discussion with retired parents?
Replies: 48
Views: 4258

Re: How to have “what if” discussion with retired parents?

Lets see your dad and mom made it to there 70s without the help of others (kids). My parents in there 80 manage all money on there own. Never talked about it. They have a will. Thats all we know. Wife's parents passed away in their 80s. They had a will. Never talked about money. Will split everythi...
by Dottie57
Mon Aug 13, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: brother laser printer--OEM or 3rd party cartridges
Replies: 13
Views: 685

Re: brother laser printer--OEM or 3rd party cartridges

orlandoman wrote:
Mon Aug 13, 2018 10:39 am
I've been using this place for over 10 years & have been completely satisfied, save so much https://www.supermediastore.com/
Love your signature.

Abe was a smart man.
by Dottie57
Mon Aug 13, 2018 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Small business owner, mid 30s, doing great, clueless with investments
Replies: 22
Views: 1977

Re: Small business owner, mid 30s, doing great, clueless with investments

I am not an expert on your type of lifestyle. My last Salary was 110000. and I could not have been an entrepreneur with my own business. That being said, it seems like your finances between personal an business are entertwined. Separate the personal from the business. I hope you have your business a...
by Dottie57
Sun Aug 12, 2018 10:34 pm
Forum: Investing - Theory, News & General
Topic: AAPL, AMZN, or GOOG?
Replies: 95
Views: 9680

Re: AAPL, AMZN, or GOOG?

n00b590 wrote:
Tue Feb 27, 2018 6:24 pm
..
VTI
Bingo!
by Dottie57
Sun Aug 12, 2018 1:34 pm
Forum: Investing - Theory, News & General
Topic: New CD Rates
Replies: 22
Views: 4055

Re: New CD Rates

My point being, if mom got a 30 year treasury in 1994 (for example) with a 7.5% coupon, it is not yielding 7.5%. It is yielding 2.675% like any other treasury maturing in 2024. I am confused. Mom’s treasury is yielding 7.5, right. If you a 1994 treasury at today’s higher price it would pay 2.675%? ...
by Dottie57
Sun Aug 12, 2018 1:02 pm
Forum: Investing - Theory, News & General
Topic: New CD Rates
Replies: 22
Views: 4055

Re: New CD Rates

My point being, if mom got a 30 year treasury in 1994 (for example) with a 7.5% coupon, it is not yielding 7.5%. It is yielding 2.675% like any other treasury maturing in 2024. I am confused. Mom’s treasury is yielding 7.5, right. If you a 1994 treasury at today’s higher price it would pay 2.675%? ...
by Dottie57
Sun Aug 12, 2018 10:04 am
Forum: Investing - Help with Personal Investments
Topic: First time home buyer - gut check
Replies: 28
Views: 3191

Re: First time home buyer - gut check

OP Here - What a difference a year makes. Since originally posting in this thread, we have made great financial progress. We are back in the housing hunt and have the following financials to support. We are looking at the same sort of houses, $500 - $600k range. Both approaching 29 years of age, ou...
by Dottie57
Sat Aug 11, 2018 10:21 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe:Don’t Go “Mad Money”
Replies: 22
Views: 3094

Re: Larry Swedroe:Don’t Go “Mad Money”

Thanks Larry for another great article. The best parts: In addition, 98% of the returns to the portfolio of Cramer’s stock picks were explained by those factors. In other words, there is no evidence of any stock-picking skill—his picks are neither good nor bad. In the end, it’s just entertainment. ...
by Dottie57
Sat Aug 11, 2018 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: Diversified enough? Large portfolio need direction,
Replies: 6
Views: 739

Re: Diversified enough? Large portfolio need direction,

Thank you for the input...yes the single stock is in taxable and has huge cap gains...bought at $20, stepped up at Dad’s death to $70 5 years ago and at $160 today. We have reduced in it half in the last few years and she doesn’t want to go lower. (Plus it will get stepped up at her passing) If we ...
by Dottie57
Sat Aug 11, 2018 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Helping Parents with Retirement
Replies: 24
Views: 2073

Re: Helping Parents with Retirement

After moving the accounts, work on the annuities. See if money can be salvaged. Or what the payout would be at various ages.

Good luck!
by Dottie57
Sat Aug 11, 2018 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: iORP Monte Carlo vs FireCalc
Replies: 10
Views: 1014

Re: iORP Monte Carlo vs FireCalc

Normal/extended I-orp calculates your maximum spending. It assumes every year returns the same %. So it uses a very sunny outlook.

Monte Carlo uses a variety of return and reports back the various calc’d amounts. So you get much lower amounts.

I think firecalc gives better results.
by Dottie57
Sat Aug 11, 2018 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Preparing for a bear market
Replies: 43
Views: 4975

Re: Preparing for a bear market

I know I should not take advise from relatives or the popular press [...] I think you answered your own question. 50/50 sounds like a reasonable AA for you. Ignore the noise, don't overthink it, etc. I am 61 and retired this year. I am at 50/50 allocation of stock/ fixed income. I want stocks for f...
by Dottie57
Sat Aug 11, 2018 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Post Mortem Settlement
Replies: 18
Views: 1568

Re: Post Mortem Settlement

Sorry for your loss. Her July payment from SS was her benefit for the month of June and she was entitled to that. Since she did not live for the entire month of July, any payment received in August should be returned That's not how it worked for my mom and dad, as both passed away near the end of t...
by Dottie57
Sat Aug 11, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Post Mortem Settlement
Replies: 18
Views: 1568

Re: Post Mortem Settlement

Keep working on the Deferred annuity. Contact state Attorney general and state office for Insurance if problems continue.

And sorry for your loss.
by Dottie57
Sat Aug 11, 2018 8:31 am
Forum: Investing - Help with Personal Investments
Topic: RDFN and housing market slow down...
Replies: 11
Views: 1337

Re: RDFN and housing market slow down...

@jmniv

Thanks for the interesting post.
by Dottie57
Fri Aug 10, 2018 7:49 pm
Forum: Investing - Theory, News & General
Topic: The Bigger Story: Fidelity Expense Ratios
Replies: 91
Views: 8021

Re: The Bigger Story: Fidelity Expense Ratios

When that time arrives, someone else will be making the investment decisions. Will they also be sharp Bogleheads who are aware of the pitfalls of expensive investment products? Or, will they be gullible novices who will believe the friendly "advisor who only wants to help them". When this happens, ...
by Dottie57
Fri Aug 10, 2018 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: treasury bills 4 weeks not always available?
Replies: 10
Views: 603

Re: treasury bills 4 weeks not always available?

So how do you buy the TBills if they disappear on auction day? Do I buy on announcement day? 4 week treasuries only have about a 24 hour window between announcement and auction, so yeah, you’d probably want to get your order submitted the evening of the announcement date to ensure you don’t miss th...
by Dottie57
Fri Aug 10, 2018 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: treasury bills 4 weeks not always available?
Replies: 10
Views: 603

Re: treasury bills 4 weeks not always available?

The piece you're missing is the treasury auction calendar: https://www.treasury.gov/resource-center/data-chart-center/quarterly-refunding/Documents/auctions.pdf Each treasury type will only show up as new issues in Fidelity on the "Announcement Date" and will drop out of the list on the "Auction Da...
by Dottie57
Fri Aug 10, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Response from boss re: market analysis
Replies: 71
Views: 7345

Re: Rude response from boss re: market adjustment

I always thought that if you are a critical employee, management will take care of you(money/title/work etc). If you are not, then you are deceiving yourself wasting time over talking to somebody - has this worked for anyone??? With HR??? 😄 - They get reviewed based on for how less they can hold yo...
by Dottie57
Fri Aug 10, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: Should I pay 6000.00 to repair wife's car....
Replies: 77
Views: 4507

Re: Should I pay 6000.00 to repair wife's car....

rebellovw wrote:
Fri Aug 10, 2018 3:52 pm
LadyGeek wrote:
Fri Aug 10, 2018 3:49 pm
rebellovw - Can you please supply the make and model of the car? Otherwise, there's not much to go on and we can't help you further.
Sure - why not.

2010 VW New Beetle Convertible.
They are really cute. I can see why your wife likes it.
by Dottie57
Fri Aug 10, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Should I Buy a Tablet?
Replies: 16
Views: 1247

Re: Should I Buy a Tablet?

iPad is my mst used device. Email, browser, taxcaster, weather.
by Dottie57
Fri Aug 10, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Draft a will with legalzoom or other online legal help
Replies: 101
Views: 9462

Re: Draft a will with legalzoom or other online legal help

The book has some useful information, and is popular here. But it's geared to community property states, particularly California. Do you have any recommendation of more appropriate books for my situation? Something not too difficult for average folks to understand and follow? Thanks. A good estate ...
by Dottie57
Fri Aug 10, 2018 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 115
Views: 5892

Re: Paper checks yes or no?

I am in the process of moving my checking account to a different bank. I already have the second account, but I don't use it for anything except paying my mortgage. I want to close the local rewards checking because there the interest rate is no longer worth it. I pay everything online, autopay, bi...
by Dottie57
Fri Aug 10, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Huge mortgage mistake
Replies: 58
Views: 8308

Re: Huge mortgage mistake

Thanks everyone. Seems like the best plan of action after thinking about it and reading all the replies is to simply pay extra until the PMI drops. I'll probably do this over a 2-3 year period. Then I'll rethink things again - either refinance, keep paying the extra towards the mortgage, or put the...
by Dottie57
Fri Aug 10, 2018 9:54 am
Forum: Investing - Help with Personal Investments
Topic: Buying Individuals Stocks In A Roth IRA?
Replies: 13
Views: 1866

Re: Buying Individuals Stocks In A Roth IRA?

Yes you can. My Roth is $50k less than my wife's due to some poor picks before I discovered index funds. I prefer to keep my play money in a brokerage account now so I can at least harvest the losses and I don't do anything stupid with my precious Roth space. This. Roth is for your future. Experime...
by Dottie57
Fri Aug 10, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Should I accept a large cash gift from my mother?
Replies: 43
Views: 5007

Re: Should I accept a large cash gift from my mother?

Agree with others. She should keep the money.
by Dottie57
Fri Aug 10, 2018 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Response from boss re: market analysis
Replies: 71
Views: 7345

Re: Rude response from boss re: market adjustment

I have never heard of a market adjustment. Is this a raise? In my last job, an upward change in salary was due to performance, not market.