Search found 4746 matches

by Dottie57
Fri Dec 14, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to change a baby's legal name?
Replies: 70
Views: 2184

Re: How to change a baby's legal name?

Pick one of the two names and stick with it. No name changes. Ame partial to James.
by Dottie57
Fri Dec 14, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring next year, would appreciate some advice
Replies: 24
Views: 1585

Re: Retiring next year, would appreciate some advice

Agree with DorothyB,.

Don’t end up like employees of Enron. Sell most of the company stock. You never know f the aristocratic stock will stay that way.

I would take the annuity, but take an option that will cpver your wife if you die first.

Sounds like you are set. Good luck!
by Dottie57
Fri Dec 14, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Receiver for klipsch bookcase speakers
Replies: 6
Views: 284

Receiver for klipsch bookcase speakers

I have a pair of bookcase speakers that I like. They are small which is important. The back of the speakers show the following. Klipsch Rb-25 Impedance 8 ohms Max input pwr 75 Watts What are the specs I need in a stereo receiver.? Need help. I just want a nice **simple** receiver. Sound source: iPho...
by Dottie57
Fri Dec 14, 2018 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Investing Too Much?
Replies: 14
Views: 1015

Re: Am I Investing Too Much?

Just find a better paying money market. Banks are giving better rates now. BMO Harris just went to 1.9%.

Don’t buy too much home, it can help kill your retirement.

Personally I would pay off any other debt before buying a house.
by Dottie57
Fri Dec 14, 2018 2:24 pm
Forum: Investing - Theory, News & General
Topic: Investing in bonds while you still have a mortgage
Replies: 12
Views: 1060

Re: Investing in bonds while you still have a mortgage

Part to the mortgage. Rest to 80/20 bnds. Always good to have some fixed income backup.

There are no hard and fast rules.
by Dottie57
Fri Dec 14, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 46
Views: 2284

Re: Favorite Purchase of 2018?

A little giant step ladder which lets me very securely reach high places. Stair like steps and an extender at the top so I feel more secure.
by Dottie57
Thu Dec 13, 2018 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Do our savings rate habits change as we get older?
Replies: 16
Views: 1219

Re: Do our savings rate habits change as we get older?

I guess I am wondering generally if folks generally stay in the same financial habits from the time they are in their 20's through to retirement? For instance, I am in my 20's and currently save over 20% of my income every month, and hope to increase this over time. If others my age are saving 3% r...
by Dottie57
Thu Dec 13, 2018 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: 34 year old doctor needing help with 401k fund selection
Replies: 14
Views: 1225

Re: 34 year old doctor needing help with 401k fund selection

Take a look at these different mixes of the 500, mid cap, and bond market fund: https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&endYear=2018&lastMonth=12&calendarAligned=true&endDate=12%2F12%2F2018&initialAmount=1000&annualOperation=1&annualAdjust...
by Dottie57
Thu Dec 13, 2018 5:09 pm
Forum: Personal Consumer Issues
Topic: New England travel ideas, summer 2019
Replies: 29
Views: 1247

Re: New England travel ideas, summer 2019

Maine is gorgeous. It is the state which many Stephen King books are set. Some lovely beeches , both sandy and rocky.
by Dottie57
Thu Dec 13, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: Who else is doing home automation?
Replies: 62
Views: 3029

Re: Who else is doing home automation?

Mike Scott wrote:
Thu Dec 13, 2018 1:51 pm
Not me; it's a pretty expensive giggle, it's one more thing to break and need fixed and the security concerns are very real.
+1
by Dottie57
Wed Dec 12, 2018 3:24 pm
Forum: Investing - Theory, News & General
Topic: Ok to invest in an LLC?
Replies: 27
Views: 1209

Re: Ok to invest in an LLC?

I don't mean for it to be a loan. I'm becoming a minority shareholder in the company, although according to what I've read there are no shares in an LLC and "membership units" have to be established instead. From an investor perspective it seems kind of wonky compared to a corporation and more like...
by Dottie57
Wed Dec 12, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: learning excel
Replies: 21
Views: 1914

Re: learning excel

1year23 wrote:
Wed Dec 12, 2018 12:34 am
I would like to learn to use excel spreadsheets for simple projects. Can anyone recommend an online tutorial that is low cost or free?
Udemy.com. Has good courses on excel. Wait for sales to purchase. My cost was 9.99.
by Dottie57
Wed Dec 12, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Is a New Car Okay if Driven 15+ Years?
Replies: 74
Views: 5741

Re: Is a New Car Okay if Driven 15+ Years?

It is fine to buy new. You just have to realize there is a lot of depreciation up front. The newer safety features are really good. So if you can buy with cash great or buy with a 3 year lan or less good.
by Dottie57
Tue Dec 11, 2018 11:15 pm
Forum: Personal Consumer Issues
Topic: Desktop Computer. All in one or separate? And which one?
Replies: 34
Views: 1898

Re: Desktop Computer. All in one or separate? And which one?

I have a 10 year old iMac which is still in use.
by Dottie57
Tue Dec 11, 2018 10:05 pm
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 176
Views: 13105

Re: What Happened to you during the Financial crisis of 2007–2008

I turned 50 in 2007. Old enough to have accumulated quite a bit in mid 6 figures. As the system looked like it could topple over, I saw my retirement slip away. In late 2008, I sold about 30k of stock funds and bought bonds in my 401k. I wanted to sell more but restrained myself. To counter the sell...
by Dottie57
Tue Dec 11, 2018 6:27 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing in a taxable account isn't so simple
Replies: 77
Views: 11044

Re: Rebalancing in a taxable account isn't so simple

If the gains in taxable are over years and not months, wouldn’t tax gain harvesting help if done consistently over time? This is a suggestion for the future, not help for right now.
by Dottie57
Tue Dec 11, 2018 6:15 pm
Forum: Personal Consumer Issues
Topic: investing books for gifts
Replies: 12
Views: 723

Re: investing books for gifts

I am getting “Stay the Course” by Jack Bogle for my 26yo nephew. I think it is more of a memoir than anything else, but expect it will be fine for him. I also will try to read parts (very gently) before it is wrapped and given.

Yes I did use the Bogleheads link to purchase at Amazon.
by Dottie57
Tue Dec 11, 2018 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: options to cover next 10 years before SS
Replies: 38
Views: 2515

Re: options to cover next 10 years before SS

I have no idea why someone would do this or what she is trying to do. But what I do know, NO annuities - never! Why no annuities never? This would be an instant annuity for a 10 year period term certain. It would pay out a 2.91% return guaranteed (unless major insurance co. goes under - unlikely). ...
by Dottie57
Tue Dec 11, 2018 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Too Much Savings Regret
Replies: 112
Views: 16845

Re: Too Much Savings Regret

DrivingFun wrote:
Sun Dec 02, 2018 11:26 am
pdavi21 wrote:
Fri Nov 30, 2018 5:52 pm
I am an ultra-aggressive saver, and honestly I sometimes regret getting married and having kids because it slowed down my saving.
I hope this is a joke. :shock:
Me too.
by Dottie57
Tue Dec 11, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: Nespresso?
Replies: 103
Views: 8611

Re: Nespresso?

So I tried fresh beans from a few different places before finally settling on a Nespresso machine - huge sales right now in case someone wants permission from a stranger on the internet to splurge on a new coffee machine. I picked up the Vertuoplus model last night -they fixed the temperature issue...
by Dottie57
Tue Dec 11, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: Noise coming through apartment vent duct
Replies: 18
Views: 1849

Re: Noise coming through apt vent duct

"Don't let all the noise drown out your common sense and your wisdom. Just try not to pay that much attention, because it will have no effect whatsoever, categorically, on your lifetime investment returns." - Jack Bogle Hope that helps. This will affect the price of the apartmentwhen it is sold. I ...
by Dottie57
Tue Dec 11, 2018 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Motley Fools is now for fools only?.....RIP
Replies: 30
Views: 6603

Re: Motley Fools is now for fools only?.....RIP

They've been doing those for a few years now. In marketing, it's called "advertorials." A quiet way to distribute marketing messages via something that looks like objective editorial. I've followed them for a while, but never bought into a MF subscription to anything. The original guys were UNC gra...
by Dottie57
Tue Dec 11, 2018 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Motley Fools is now for fools only?.....RIP
Replies: 30
Views: 6603

Re: Motley Fools is now for fools only?.....RIP

Mike Scott wrote:
Tue Dec 11, 2018 10:15 am
I credit Motley Fool for getting me started in low cost index mutual funds a long time ago. Unfortunately they turned a different direction.
I must have read them at the same time as you. It is indeed sad to see the what has happened to this group.q
by Dottie57
Tue Dec 11, 2018 12:48 am
Forum: Personal Consumer Issues
Topic: Nespresso?
Replies: 103
Views: 8611

Re: Nespresso?

I’ve been without Espresso for a month. Finally placed an order and it should come on the 11th.

I missed it so much.
by Dottie57
Mon Dec 10, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: Contractor draws during remodeling project
Replies: 25
Views: 2879

Re: Contractor draws during remodeling project

Cruise wrote:
Mon Dec 10, 2018 1:32 am
Just did a bathroom remodel. 1/3 down, 1/3 after a benchmark completion, and 1/3 upon total completion.
This was my kitchen remodel as well.
by Dottie57
Sun Dec 09, 2018 11:19 am
Forum: Investing - Help with Personal Investments
Topic: SPIA or CD Ladder
Replies: 31
Views: 2300

Re: SPIA or CD Ladder

I am a fan of SPIA but Really think a rolling cd ladder will likely turn out better. Keep to shorter CDs and take advantage of increasing rates.

I like SPIA for lifetime income.but for a shorter term I want access to the funds.
by Dottie57
Fri Dec 07, 2018 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Helping my mom (60yr) - looking for stability
Replies: 13
Views: 1144

Re: Helping my mom (60yr) - looking for stability

No fixed annuity.

A Single Premium Immediate Annuity might work. I would hope she can wait until age 70. She will get more money for her money the older she is when purchased.
by Dottie57
Fri Dec 07, 2018 1:37 pm
Forum: Investing - Theory, News & General
Topic: Flaw in Logic? CD ladder instead of bond funds
Replies: 80
Views: 7574

Re: Flaw in Logic? CD ladder instead of bond funds

Sandtrap wrote:
Fri Jun 15, 2018 11:02 pm
Not "instead'. . .
Do both concurrently in varying degrees of liquidity.
1 Cash, high yield accounts.
2 CD ladder
4 Bond Funds
Bingo.
by Dottie57
Thu Dec 06, 2018 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in 2 weeks, Traditional 401k
Replies: 99
Views: 6905

Re: Retiring in 2 weeks, Traditional 401k

I used Taxcaster. 401k income of 10800 and SS OF 12000 . The result is $0 Federal taxes.

What state are your parents living in? Any state taxes?

What are their property taxes?
Did your mom work for 40 quarters during her life time? If so she has SS on her own work record.
by Dottie57
Thu Dec 06, 2018 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in 2 weeks, Traditional 401k
Replies: 99
Views: 6905

Re: Retiring in 2 weeks, Traditional 401k

Any possibility of part time work somewhere, so the contents of portfolio are not used as much?
by Dottie57
Thu Dec 06, 2018 8:28 pm
Forum: Investing - Theory, News & General
Topic: Where did you think we'd be today, ten years ago?
Replies: 38
Views: 2856

Re: Where did you think we'd be today, ten years ago?

I had no expectations. I hoped and prayed I would be able to retire. Prayers answered.
by Dottie57
Thu Dec 06, 2018 7:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8605
Views: 1677980

Re: U.S. stocks in freefall

Just hope this s not the beginning of a really bad 20 years. Everything is fine. I remember the olden days in my own life when I didn’t pay attention to the stock market and didn’t care. It was there and I was invested, but I didn’t pay attention. I think we, Bogleheads, like to pay attention, but ...
by Dottie57
Thu Dec 06, 2018 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 355
Views: 20054

Re: What are others paying for property taxes around the US?

Assessed value 150k
Taxes 1.7k
990 sqft
Hennepin County, Minnesota
by Dottie57
Thu Dec 06, 2018 4:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8605
Views: 1677980

Re: U.S. stocks in freefall

Just hope this s not the beginning of a really bad 20 years.
by Dottie57
Thu Dec 06, 2018 3:17 pm
Forum: Personal Consumer Issues
Topic: 2019-Toyota Camry Hybrid XLE /w JBL,Driver Assist - Negotiate
Replies: 19
Views: 1479

Re: 2019-Toyota Camry Hybrid XLE /w JBL,Driver Assist - Negotiate

Hi, I really wanted to know whether the price I have negotiated is fair or ripped. I have dealer asking MSRP: $38,284 for the following feature set of the car - Trim: XLE Upgrades: JBL Nav/Audio, Driver Assist, Moonroof (Dealer price these upgrades $4,600. I have negotiated final OTD price: 38,952,...
by Dottie57
Thu Dec 06, 2018 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Another Home Affordability Thread
Replies: 13
Views: 1480

Re: Another Home Affordability Thread

Just a note: heating and cooling for a 4500sq ft house is going to be a lot.
by Dottie57
Thu Dec 06, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: 2019-Toyota Camry Hybrid XLE /w JBL,Driver Assist - Negotiate
Replies: 19
Views: 1479

Re: 2019-Toyota Camry Hybrid XLE /w JBL,Driver Assist - Negotiate

Hi, I really wanted to know whether the price I have negotiated is fair or ripped. I have dealer asking MSRP: $38,284 for the following feature set of the car - Trim: XLE Upgrades: JBL Nav/Audio, Driver Assist, Moonroof (Dealer price these upgrades $4,600. I have negotiated final OTD price: 38,952,...
by Dottie57
Thu Dec 06, 2018 10:10 am
Forum: Investing - Theory, News & General
Topic: Who else is getting excited? [about the market]
Replies: 145
Views: 12538

Re: Who else is getting excited?

Starchild wrote:
Thu Dec 06, 2018 6:35 am
I lost a lot of money this year. That's not exciting.
Retired and not too excited.
by Dottie57
Wed Dec 05, 2018 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: I’m getting frustrated FTIHX
Replies: 19
Views: 2322

Re: I’m getting frustrated FTIHX

Don't blame Fidelity or the fund. International stocks are down this year, and the index has accurately captured this downward movement. If you would have invested in Vanguard's international index fund, you would have the same complaint. Last year, however, you would have been thrilled by the stel...
by Dottie57
Wed Dec 05, 2018 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: How far back can HSA Expenses go?
Replies: 14
Views: 1527

Re: How far back can HSA Expenses go?

TravelforFun wrote:
Wed Dec 05, 2018 6:51 pm
I wouldn't worry about keeping current medical receipts (you're only 27). When you get old, use your HSA account to pay your big medical bills including medicare premium or long term care expenses.

TravelforFun
This.
by Dottie57
Wed Dec 05, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: Toyota Camry Hybrid and Extended Warranty
Replies: 15
Views: 1047

Re: Toyota Camry Hybrid and Extended Warranty

I bought the first generation Camry Hybrid(2007). I paid for a warranty because of the hybrid battery. Never needed it. If you can afford the battery replacement, forget the extended warranty.
by Dottie57
Wed Dec 05, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: Is this normal for an HOA?
Replies: 95
Views: 8598

Re: Is this normal for an HOA?

I don't live in a gated community either and my HOA does not ask any of those questions. You can optionally give them your email address so they can send you updates (if its important but not timely they will just snail mail it even if you don't sign up). You can optionally give them the names of a...
by Dottie57
Tue Dec 04, 2018 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: How does an annuity with return of premium work?
Replies: 11
Views: 689

Re: How does an annuity with return of premium work?

Thank you. I have a few additional questions: Other than the fact that if you select a return of premium the monthly payout amount will be less, and if part of the premium is refunded you will have lost the compounding value of that amount over the year, are there other downsides? Would an annuity ...
by Dottie57
Tue Dec 04, 2018 5:50 pm
Forum: Personal Consumer Issues
Topic: Is this normal for an HOA?
Replies: 95
Views: 8598

Re: Is this normal for an HOA?

If you are legally part of the HOA , you should give basic info: names and emergency number. I live in a condo with an association. Last year one of the condo owner’s died. There was no emergency contact, etc held by anyone including the association. The sheriff came and posted proceedings on the co...
by Dottie57
Tue Dec 04, 2018 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Is this 401k fund okay for 100% allocation?
Replies: 7
Views: 309

Re: Is this 401k fund okay for 100% allocation?

State Street is a good provider. No hesitation here on using it.
by Dottie57
Tue Dec 04, 2018 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Life Advice (Financial + Health)
Replies: 17
Views: 1563

Re: Life Advice (Financial + Health)

Find ways to reduce stress. Exercise will help in many aspects of life. Meditation works too.
by Dottie57
Tue Dec 04, 2018 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Wife being sued after wreck
Replies: 21
Views: 4481

Re: Wife being sued after wreck

OP, Do you carry an umbrella insurance? It is for an occasion like this. KlangFool I'm not familiar with an umbrella policy or how to purchase one. Usually you can ask about one with your current insurance provider. Insurance companies usually require maximum liability insurance on auto before issu...