Search found 4201 matches

by Dottie57
Tue Sep 18, 2018 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: ESPP with exorbitant commission/transfer fees - Worth it?
Replies: 3
Views: 208

Re: ESPP with exorbitant commission/transfer fees - Worth it?

sailaway wrote:
Tue Sep 18, 2018 8:30 pm
If you use the cheapest option, you are still making a 12% profit. Perhaps not has good as the next ESPP plan, but better than most investments per quarter.
I agree. I usedthe money tohelp payoff my condo sooner.
by Dottie57
Tue Sep 18, 2018 8:40 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Pro & Camcorder help!
Replies: 6
Views: 214

Re: Apple MacBook Pro & Camcorder help!

My quick search found that the PV-GS9 is a miniDV camcorder. It has a firewire port, which would be the way to go if your Macbook Pro is old enough to be equipped with a firewire port. Otherwise, you'll likely need a USB capture device to capture from the A/V output. Maybe something like this? http...
by Dottie57
Tue Sep 18, 2018 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Debt Repayment
Replies: 23
Views: 651

Re: Student Loan Debt Repayment

mortfree wrote:
Tue Sep 18, 2018 7:36 pm
Have you thought about selling the townhouse?

Selling the car?

Do you really need umbrella insurance?

Long term care Insurance at 31?
Ltc is usually bought after age 50.
by Dottie57
Tue Sep 18, 2018 8:13 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Pro & Camcorder help!
Replies: 6
Views: 214

Re: Apple MacBook Pro & Camcorder help!

Look here from Apple

https://support.apple.com/kb/PH22887?locale=en_US

There are lots of Google results for:

Transfer video from tapes to iMovie on macbook pro
by Dottie57
Tue Sep 18, 2018 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Elderly parents are in debt - Need advice
Replies: 20
Views: 1571

Re: Elderly parents are in debt - Need advice

Are any of you willing to take you parents in?

Look at you state laws. I believe sometimes creditors can get insurance money even if it is assigned a beneficiary.
by Dottie57
Tue Sep 18, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance...Social Security also pays?
Replies: 21
Views: 885

Re: Life Insurance...Social Security also pays?

Yes, the SSA website has the answer. And experience. Quote: " As a widow or widower, you cannot get survivor benefits if you remarry before the age of 60 (unless that marriage ends)." Got it? Right - for the widow or widower. The question is the children of the deceased who can get benefits to age ...
by Dottie57
Tue Sep 18, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 57
Views: 3225

Re: What is your single most expensive mistake?

GeoffD wrote:
Tue Sep 18, 2018 5:23 pm
Ex-wife v1.0 was “divide by 2” divorce math. $500k.

I’ve made plenty of other life mistakes that combine to more than that but that’s a clear #1.
Do you have an ex-wife v2.0?
by Dottie57
Tue Sep 18, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 57
Views: 3225

Re: What is your single most expensive mistake?

I let my rollover IRA languish with an advisor whose choices contained front loads and did not do well. I should have learned faster.

I also resisted putting money into a Roth IRA until 2012.
by Dottie57
Tue Sep 18, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Manager - Cancer Diagnosis
Replies: 15
Views: 1441

Re: Manager - Cancer Diagnosis

When I was working one of my co-workers was diagnosed with stage 4 cancer. He too continued to work. Most important is to not avoid him. Treat him the same. Quite a few in my work unit avoided co-worker. Open seating allowed people to easily not talk to him. Asking about family and activities led to...
by Dottie57
Tue Sep 18, 2018 12:12 pm
Forum: Investing - Theory, News & General
Topic: Equity in house / Do you use it?
Replies: 56
Views: 3127

Re: Equity in house / Do you use it?

I don’t use home equity. No need at this time.

When I sell, I will use equity then.
by Dottie57
Tue Sep 18, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: Potential Water Leak Issue/Irregular Water Usage
Replies: 8
Views: 418

Re: Potential Water Leak Issue/Irregular Water Usage

Starting last Wednesday, the usage shot up to 650 gallons, back to a roughly normal amount of 200 on Thursday, then 450 on Friday, 300 on Saturday, then 750 on Sunday. Two potential explanations I could think if: 1) We did have a new toilet installed on Friday, Sept. 7 in one of our 3 bathrooms. It...
by Dottie57
Tue Sep 18, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Potential Water Leak Issue/Irregular Water Usage
Replies: 8
Views: 418

Re: Potential Water Leak Issue/Irregular Water Usage

Turn the water off for the new toilet. See I that helps and if the tank empties.
by Dottie57
Tue Sep 18, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: High employer contribution, still max 403b before taxable?
Replies: 20
Views: 902

Re: High employer contribution, still max 403b before taxable?

You could start converting your IRA to Roth and pay the tax. Might be worthwhile if you convert before retirement.
by Dottie57
Tue Sep 18, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: $180 IPhone SE or $90 Iphone 5S
Replies: 31
Views: 1872

Re: $180 IPhone SE or $90 Iphone 5S

I bought an IPhone 7s after losing my 5. Of course my 5 was found 2 weeks after that. It still works well. I would still be using it if hadn’t been lost.

Either is fine.
by Dottie57
Tue Sep 18, 2018 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Employer/Plan Limit on 401K Contributions
Replies: 10
Views: 475

Re: Employer/Plan Limit on 401K Contributions

I discovered my SO employer has a contribution limit of 25% per pay period. With that limit, she is about $1500 under the IRS yearly limit of $18,500. Is this normal for a plan to impose limits on employees? If so, it frustrates me that an employee doesn't have the ability to max out if they so des...
by Dottie57
Tue Sep 18, 2018 8:45 am
Forum: Personal Finance (Not Investing)
Topic: How did you decide when to retire?
Replies: 41
Views: 5160

Re: How did you decide when to retire?

61year old here. I decided when my company offere a very nice retirement package that went into affect in March. The jib was stressful. So I took the package.

It is an adjustment. But after taking care of myself and recovering from an ulcer, I feel like life is returning.
by Dottie57
Tue Sep 18, 2018 8:35 am
Forum: Investing - Help with Personal Investments
Topic: Facing Retirement at year end
Replies: 22
Views: 2461

Re: Facing Retirement at year end

Sorry for your downsizing. I think you are light on retirement funds. Part time jobs would be of big benefit. A smaller paid off housewould definitely help too. The pension is a toss up. If penion is kept, then when your wife takes SS you will have enough income. So you need to keep afloat foe 3-4 y...
by Dottie57
Mon Sep 17, 2018 9:14 pm
Forum: Personal Consumer Issues
Topic: Anyone hire an interior designer?
Replies: 21
Views: 1903

Re: Anyone hire an interior designer?

Yes. A good designer does not over ride your taste. They use your preferences and desires for functionality to come up with a plan. The plan can be rejected in total or in part. It was agreat experience, A kitchen designer was even better. More experience in practical side of things. I had ideas tha...
by Dottie57
Mon Sep 17, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Provding SSN for Estate Planning--Why?
Replies: 22
Views: 1566

Re: Provding SSN for Estate Planning--Why?

Hi Everyone, I searched for several threads but couldn't find discussion on why SSN is needed for estate planning. Please do let me know if there has been discussion on this topic and I apologize for the inconvenience that it may have caused. I don't have an existing estate plan so I set up an appo...
by Dottie57
Mon Sep 17, 2018 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Whole Life vs Universal Life Insurance
Replies: 24
Views: 931

Re: Whole Life vs Universal Life Insurance

Find out the following: 1 . Total cost for whole life policy for x amount. 2. Total cost for term life for 30 years at x amount. 3. Calc difference : Whole life cost - term life cost 4. Invest the difference into 3 fund strategy. Buy the term life insurance. In 30years you will have more than the wh...
by Dottie57
Mon Sep 17, 2018 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Dilemma: Add room to current house or buy new house?
Replies: 87
Views: 3491

Re: Dilemma: Add room to current house or buy new house?

Even though the house is pretty large (>6000sqft) including unfinished basement, my spouse always thought or felt it was a bit too small.... What do you suggest is the best course of action? Family counseling. That is not meant to be snarky but if 6000 square feet is not big enough then there is so...
by Dottie57
Mon Sep 17, 2018 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Want to buy Home - But not sure!
Replies: 7
Views: 508

Re: Want to buy Home - But not sure!

Maybe renting a small house would be a step towards ownership. See what living in a single family house is like. In such a situation, you may have to take care of most utilities, the yard work and snow removal if in northern states.

There might be big benefits to taking this step first.
by Dottie57
Mon Sep 17, 2018 1:05 pm
Forum: Investing - Theory, News & General
Topic: Is there such thing as saving TOO much?
Replies: 78
Views: 6367

Re: Is there such thing as saving TOO much?

A Financial Advisor once told me she thought I might be saving too much and that I should makesure to spend on yourself.

Do set savings goals, but don’t worry about every penny. If no debts, feel free to go out with friends, search for a hobbyyou enjoy, vacations every once in a while.
by Dottie57
Mon Sep 17, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Delaying SS? How Long It Will Take for It to Pay Off?
Replies: 39
Views: 2786

Re: Delaying SS? How Long It Will Take for It to Pay Off?

https://www.fool.com/amp/retirement/2018/09/16/delaying-social-security-benefits-heres-how-long-i.aspx This article seems to contradict most of the break-even calculators I have seen before including those discussed on this forum. For instance, the article states that for those with FRA of 67, dela...
by Dottie57
Mon Sep 17, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Dilemma: Add room to current house or buy new house?
Replies: 87
Views: 3491

Re: Dilemma: Add room to current house or buy new house?

Sorry OP. I have no suggestions since I have no idea how 6000 ft home could be small. :)

Do what you can afford.
by Dottie57
Mon Sep 17, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: a low grade in a 9th-grade test
Replies: 44
Views: 3178

Re: a low grade in a 9th-grade test

Discussions such as this make me sad. I saw a recent article reporting that the American Academy of Pediatrics is recommending that doctors advise parents to schedule more "play" into their child's busy lives. I am grateful that my parents allowed me to follow my own path to maturity. They never fo...
by Dottie57
Mon Sep 17, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: a low grade in a 9th-grade test
Replies: 44
Views: 3178

Re: a low grade in a 9th-grade test

Just an anecdote. I breezed through high school. College was a shock when I had to study. Didn’t do too well at first until I actually studied. Is the child in question studying?
by Dottie57
Sun Sep 16, 2018 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Playing catch up. Best methods to grow retirement in next 10+years?
Replies: 17
Views: 2066

Re: Playing catch up. Best methods to grow retirement in next 10+years?

I think the biggest hinderance to retirement savings is your current lifestyle. You have a large house(3.9k) and 1k in utilities is a lot. Cars must be expensive too for insurance at 400 a month. Why do you list both employer and employee 401k contributions? I am not trying to be mean. I would like ...
by Dottie57
Sun Sep 16, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: Stereo receiver amp without aux plug or bluetooth ?
Replies: 19
Views: 1042

Re: Stereo receiver amp without aux plug or bluetooth ?

I have a gen 1 iPad hooked up to a 30 year old amp via a headphone-to-RCA cable, plugged into in the "CD" connection. I use that to stream Pandora. I have another also-older amp hooked to an Apple airport express with the same type cable, that turns it into an airplay speaker I can stream from my p...
by Dottie57
Sun Sep 16, 2018 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 126
Views: 7883

Re: Considering Quitting Job - Seeking Advice. Would you do it?

Leave your job. It will kill you.
You have more than enough.

Good luck.
by Dottie57
Sun Sep 16, 2018 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions on American Funds
Replies: 28
Views: 1810

Re: Opinions on American Funds

They are respectable funds that have done well, but the expenses don’t justify the potential benefits in the future. JT This. Also, I can’t really tell what exactly is in each fund. My Af funds didfairly well going through the great recession. I have sold and then bought Fidelity indexfunds. I nowk...
by Dottie57
Sun Sep 16, 2018 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: Parent's variable annuity - rollover?
Replies: 6
Views: 319

Re: Parent's variable annuity - rollover?

There have been many disbursements over the years. For example, I can see that they took out $500 a month from 2003-2005 and plenty of irregular disbursements in other years, like $11,000 in 2008. OP. If you don’t care to answer-fine. How can the value be so very little? It is just stunning. Thanks!
by Dottie57
Sun Sep 16, 2018 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Parent's variable annuity - rollover?
Replies: 6
Views: 319

Re: Parent's variable annuity - rollover?

OP. If you don’t care to answer-fine. How can the value be so very little? It is just stunning. OP's initial post says: "....... and had made withdrawals over the years...." That would be a reason I think. He (the father) pulled out more than the annuity grew, I believe. Broken Man 1999 Whew! Thank...
by Dottie57
Sun Sep 16, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Is Hardwood Floor No Maintenance (vs Carpet)?
Replies: 39
Views: 3652

Re: Is Hardwood Floor No Maintenance (vs Carpet)?

I think wood floors need some type of protection. Varnish, polyurethane or Wax. When little, my mom waxed the wooden floors. Carpeting was done later. Mom hated the waxing, but the result was always beautiful.

Any flooring takes some kind of maintenance.
by Dottie57
Sun Sep 16, 2018 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Parent's variable annuity - rollover?
Replies: 6
Views: 319

Re: Parent's variable annuity - rollover?

OP. If you don’t care to answer-fine. How can the value be so very little? It is just stunning.
by Dottie57
Sun Sep 16, 2018 11:19 am
Forum: Personal Consumer Issues
Topic: Embarking on a large-scale home update
Replies: 26
Views: 1256

Re: Embarking on a large-scale home update

I would do it in phases. Don’t lose all of your bathrooms at once. Are you going to live there through the renovations?

I think a kitchen is the heart of the home. If that s renovated, have a plan for how you will eat.

Bathroom - leave 1 tub.

Your plans sound great.
by Dottie57
Sun Sep 16, 2018 11:05 am
Forum: Investing - Theory, News & General
Topic: What’s the magic savings rate???
Replies: 94
Views: 13962

Re: What’s the magic savings rate???

I'm in a similar boat: age 26, $170k+ income, $100k in retirement savings. My approach is: just save everything you don't need. I don't go out of my way to live frugally but still save 50% of my income. Great approach. Don’t bump up lifestyle too much. It really is a balance between today and the f...
by Dottie57
Sun Sep 16, 2018 9:26 am
Forum: Personal Finance (Not Investing)
Topic: How did you decide when to retire?
Replies: 41
Views: 5160

Re: How did you decide when to retire?

I found Bogleheads several years ago. I received recommendations to figure out my expenses. I did that after much resistance. Then added healthcare back in and taxes of course and I had a good number. Running firecalc and I-orp many times convinced me I had enough to retire. When employer offered a ...
by Dottie57
Sat Sep 15, 2018 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: 38% pay cut for dream job?
Replies: 61
Views: 4972

Re: 38% pay cut for dream job?

My mom had a good friend who went into the Foreign Service. She did well, married and traveled the world, i am sure there were difficulties, but they did well. No spying.

Go for it.
by Dottie57
Sat Sep 15, 2018 10:34 pm
Forum: Investing - Theory, News & General
Topic: What’s the magic savings rate???
Replies: 94
Views: 13962

Re: What’s the magic savings rate???

I read this here years ago and think it is probably true: *Save 10% and you'll do fine *Save 20% and you'll thrive *Save 30% and you'll be wealthy This one hits home close. My employer's unwritten policy is to contribute sufficient amount to the tax deferred account of employees so that they can re...
by Dottie57
Sat Sep 15, 2018 7:02 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 300
Views: 51808

Re: What is your luxury good?

I hate flying - so first time flyer.
SleepNumber adjustable bed.
New kitchen with better layout.

Future
Remodel bathroom.
Espresso
Wine and beer.
by Dottie57
Sat Sep 15, 2018 5:48 pm
Forum: Personal Consumer Issues
Topic: Humidity in basement
Replies: 36
Views: 2978

Re: Humidity in basement

longleaf wrote:
Sat Sep 15, 2018 12:03 pm
I would not allow humidity to exceed 55. I have seen firsthand seven figure homes destroyed by mold.

Just get a dehumidifier that can automatically drain into a toilet or something so you dont have to think about it.

Problem solved, cheap fix
+1
by Dottie57
Sat Sep 15, 2018 5:30 pm
Forum: Personal Consumer Issues
Topic: The twenty dollar rule revisited
Replies: 44
Views: 4952

Re: The twenty dollar rule revisited

Consider this, most spending is done in lumps. While you may budget say $2,500 a month spending, some months it may come in at $2,000 and some months it will come in at $3,000. The end result? You still spent $30,000 but not evenly over the course of a year. Our Lumps this year: Jan 5,024 Feb 3,760...
by Dottie57
Sat Sep 15, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: The twenty dollar rule revisited
Replies: 44
Views: 4952

Re: The twenty dollar rule revisited

........If you need to shop, the know what you are shopping for and don’t deviate. It can work well. He needs lots more help than that, Dottie57. He wrote his wife is doing all the grocery shopping at a store that does not take coupons. With all the big chains nearby that are doubling coupons, that...
by Dottie57
Sat Sep 15, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: The twenty dollar rule revisited
Replies: 44
Views: 4952

Re: The twenty dollar rule revisited

One of the keys to stop spending is to not shop for entertainment. Also plan your spending. Groceries - go with a list and nothing on the list comes home. Same with clothes , shoes, toys for kids, - anything really. I also go to an expensive craft show each year. Go with a budget - intentional spen...
by Dottie57
Sat Sep 15, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: 1st time dad, OK to use willmaker software?
Replies: 37
Views: 3184

Re: 1st time dad, OK to use willmaker software?

Your child s important. Do it right and go to a competent estate lawyer.
by Dottie57
Sat Sep 15, 2018 2:56 pm
Forum: Personal Consumer Issues
Topic: Developer Laptop
Replies: 24
Views: 1337

Re: Developer Laptop

Fellow programmers/developers, Due to firewall constraints with my work laptop, I'm looking for a personal laptop to sandbox whatever programming language or framework that peeks my interest. I'll probably be working with Hadoop and Python (data analysis) so I'm thinking I need a minimum of maybe 1...
by Dottie57
Sat Sep 15, 2018 2:48 pm
Forum: Personal Consumer Issues
Topic: Developer Laptop
Replies: 24
Views: 1337

Re: Developer Laptop

If price is not an issue, I'd go with a macbook pro. It's unix-based, so that's nice. I've never had a laptop that holds up nearly as well. The only problem is the dust in the keyboard and maybe the function keys. But, overall, I like it a lot. I think dust in keys issue is gone with newest models.
by Dottie57
Sat Sep 15, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: Rain Jacket recommendations and care
Replies: 32
Views: 2289

Re: Rain Jacket recommendations and care

...I'd like something that is light weigh, breathable and can be easily stuffed into a hydration pack... I hope ladies will chime in, I too am looking for a rain jacket. Red Ledge. Jakuta. @$80: Available for Women and Men. ($55 for Boys and Girls sizes.) Amazon, REI, etc. Nylon. Waterproof. Breath...