Search found 2763 matches

by Dottie57
Thu Feb 22, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Is a prenup required to establish a list of separate property before marriage?
Replies: 65
Views: 1976

Re: Is a prenup required to establish a list of separate property before marriage?

My ex and I had a similar discussion/agreement in the event of divorce. We ended up getting divorced last year, and he took his stuff, and I kept mine, and I paid him some $ amount for an increase in the equity in the house (which I kept). We didn't have a pre-nup; we just put it all in the Separat...
by Dottie57
Wed Feb 21, 2018 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: I need help with my 401k
Replies: 10
Views: 563

Re: I need help with my 401k

Don't buy company stock unless you can sell immediately and is bought at a discount. I lost money when CEO had legal problems. Stock went down 50%.

Also Google "Enron"
by Dottie57
Wed Feb 21, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: frustrated with patek philippe poor service
Replies: 29
Views: 2379

Re: frustrated with patek philippe poor service

didnt realize people wear watches anymore - iphone tells the time well. I have owned lange, rolex, patek, etc. Sold them all in the last 10 years, as most people i know dont wear watches anymore (except smart watches). For some, who still like them, and like newspapers, record players, etc. etc., t...
by Dottie57
Wed Feb 21, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 105
Views: 9268

Re: Single People and Retirement Question

I'm not sure why you think you need a partner. I've been single all my life, and I enjoy traveling by myself. It's a much better way to meet local people than if you're with someone or in a group. By meet people, I do not mean dating situations, but just getting to chat with folks. Plus you can do ...
by Dottie57
Tue Feb 20, 2018 7:39 pm
Forum: Investing - Theory, News & General
Topic: Staying Motivated: How do you ward off hopelessness?
Replies: 49
Views: 5353

Re: Staying Motivated: How do you ward off hopelessness?

I think Contentment is preferable happiness. It seems more sustainable and permanent.
by Dottie57
Mon Feb 19, 2018 7:50 pm
Forum: Investing - Theory, News & General
Topic: What seems to matter
Replies: 25
Views: 3182

Re: What seems to matter

. FWIW - some numbers/experience underlying the above 1. Over the past 10+ years or so I have tried to help a few friends in other countries. When I looked into it, the fees were much higher (trade costs, hidden exchange rate charges etc), and in some countries (EM/Frontier countries) there were no...
by Dottie57
Mon Feb 19, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 435
Views: 34351

Re: What frugal thing did you do today?

I am not buying a 100k car.
by Dottie57
Sun Feb 18, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: Bogleheads with $100K+ MSRP cars?
Replies: 92
Views: 8724

Re: Bogleheads with $100K+ MSRP cars?

Deleted
by Dottie57
Sun Feb 18, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: Martha’s Vineyard: Is 2 weeks too long of a vacation there?
Replies: 12
Views: 1342

Re: Martha’s Vineyard: Is 2 weeks too long of a vacation there?

We have never been to Martha’s Vineyard. We can go for 1 or 2 weeks. Do you think 2 weeks is too long? Thank you. Depends ob how active you are and what you like to do. Me .. I can spend 2 weeks reading, out on the beach, cooking nice meals, sleeping late. I would love a low activity vacation. You ...
by Dottie57
Sun Feb 18, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Job is starting to suck the life out of me.
Replies: 80
Views: 9378

Re: Job is starting to suck the life out of me.

Working sucks. I started working at age 18, fresh out of high school. I quickly realized that working sucks. I decided that 25 years is enough, and made a plan to retire young. I worked the plan and retired at age 42 (9 years ago). Life is great now. You're my inspiration. May I ask how many years ...
by Dottie57
Sun Feb 18, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 105
Views: 9268

Re: Single People and Retirement Question

I was "between" wives for 17 years and worked 60 -70 hour weeks most of the time. I like to travel and did organized group tours that catered to singles. I went to China 2X, Thailand, Vietnam, Cambodia, Egypt, Kenya and Tanzania, South Africa, Victoria Falls, Botswana, Zululand, Swaziland, Scotland...
by Dottie57
Sun Feb 18, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 105
Views: 9268

Re: Single People and Retirement Question

I was "between" wives for 17 years and worked 60 -70 hour weeks most of the time. I like to travel and did organized group tours that catered to singles. I went to China 2X, Thailand, Vietnam, Cambodia, Egypt, Kenya and Tanzania, South Africa, Victoria Falls, Botswana, Zululand, Swaziland, Scotland...
by Dottie57
Sun Feb 18, 2018 8:14 am
Forum: Investing - Help with Personal Investments
Topic: Sell me on the benefits of an emergency fund
Replies: 119
Views: 6731

Re: Sell me on the benefits of an emergency fund

mrpotatoheadsays wrote:
Sun Feb 18, 2018 2:14 am
A major earthquake hits. Power is knocked-out, businesses are closed. The only thing being accepted is cash. I go to my safe and pull out my emergence fund - a stack on fresh bills to trade for food and water.

Replace "earthquake" with "Chinese cyberattack" or "fire" or "flood" or ...
+1
by Dottie57
Sat Feb 17, 2018 11:45 pm
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 93
Views: 4880

Re: Best plants to grow to save money for food costs

I've usually gone to farmers market for summer vegetables. This year I plan to purchase vegetables through a local CSA (1/2share) I will get what is in season and try eating this way. I plan on a herb garden at my mom's - 2 miles away. I've looked at CSAs, but for a single person they are unbelieva...
by Dottie57
Sat Feb 17, 2018 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 164
Views: 10666

Re: What has been your most important skill in achieving financial independence?

Hate to say it, but saving and sheer frugality to good amounts of saving has been terrible compared to significant increases in income. Remember that if you are super frugal, it becomes difficult to find a partner who may be willing to mtach your level of frugality. Especially while dating - are yo...
by Dottie57
Sat Feb 17, 2018 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 164
Views: 10666

Re: What has been your most important skill in achieving financial independence?

Consistently saving/investing And never upgrading from the starter home.
by Dottie57
Sat Feb 17, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 93
Views: 4880

Re: Best plants to grow to save money for food costs

I've usually gone to farmers market for summer vegetables. This year I plan to purchase vegetables through a local CSA (1/2share) I will get what is in season and try eating this way. I plan on a herb garden at my mom's - 2 miles away. I've looked at CSAs, but for a single person they are unbelieva...
by Dottie57
Sat Feb 17, 2018 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Working for a MegaCorp vs a Small Business
Replies: 19
Views: 1293

Re: Working for a MegaCorp vs a Small Business

I worked foe a small company for the first 13 years of my IT career. It was a well focused company of 30-60 people. Exciting and innovative. I did not understand how good it was at the time. Lots of great experience. However wages were lower. Training was learn by yourself. You can see how your effo...
by Dottie57
Sat Feb 17, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 79
Views: 5771

Re: Effect of spending money on appearance in career

I'm in academics partly to avoid that kind of thing. First, keep in mind that if they're finding a pretext not to promote you, lipstick isn't necessarily going to change that, so don't kill yourself trying. However, it may be good to have some different sartorial tools at your command just because ...
by Dottie57
Sat Feb 17, 2018 11:38 am
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 135
Views: 6464

Re: How to get child's skin in the game for college?

I find all this skin in the game for college education rather sad. IF you can afford paying 100%. You were happy to support her 100% for the past 17 years; why baulk at the final year in college? At college it becomes clearer as to what turns her on, hopefully not drugs. She will pay full attention...
by Dottie57
Sat Feb 17, 2018 11:30 am
Forum: Investing - Theory, News & General
Topic: ETFs a cause of market turbulence?
Replies: 13
Views: 945

Re: Index funds a cause of market turbulence?

Wait....the title of this thread left out something important: EXCHANGE TRADED Index funds (ETFs) a cause of market turbulence. There is a reason Mr. Bogle is not a fan of ETFs. Nor am I. To me, ETFs defeat the very purpose of Passive investing. I was always of the opinion that passive investing eq...
by Dottie57
Sat Feb 17, 2018 11:21 am
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 93
Views: 4880

Re: Best plants to grow to save money for food costs

I've usually gone to farmers market for summer vegetables. This year I plan to purchase vegetables through a local CSA (1/2share) I will get what is in season and try eating this way. I plan on a herb garden at my mom's - 2 miles away.
by Dottie57
Fri Feb 16, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 156
Views: 10743

Re: I'm Cancelling My Home Insurance

not saying OP feels this way, but from so many posts on insurance, i get the feeling people generally think that insurance is a rip off. its my understanding that with commodity insurance, such as home, auto, life, the rates are incredibly competitive. there is a low barrier to entry in the commodi...
by Dottie57
Fri Feb 16, 2018 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help Deciding Which Debt to Make a $17,000 Payment
Replies: 26
Views: 2346

Re: Need Help Deciding Which Debt to Make a $17,000 Payment

I like the snowball method since I think freeing up cash flow is best. Payoff smallest loan or the on that. Gets youthe most cash flow. Use the freed up money to pay down the next smallest.
by Dottie57
Fri Feb 16, 2018 8:21 pm
Forum: Personal Consumer Issues
Topic: Minnesota lake resorts summer 2018
Replies: 32
Views: 2253

Re: Minnesota lake resorts summer 2018

I also love the southeast part of the state. I like the drive to Redwing and past to lake Pepin (eally part of Mississippi)

The southwest of the state is windy prairi but can be beautiful in ts own way - especially as farmers bring in the harvest against vivid blue skies.
by Dottie57
Fri Feb 16, 2018 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Can I convert whole life back to term?
Replies: 16
Views: 890

Re: Can I convert whole life back to term?

What is the need for insurance for you and your wife? If one of you dies , what is the consequence for the other?
Are children involved? Or a mortgage?
by Dottie57
Fri Feb 16, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 156
Views: 10743

Re: I'm Cancelling My Home Insurance

Anyone on here that doesn't have a home insurance policy? What's your experience? My home is paid for and worth about 12% of my net worth and I'm thinking about canceling the homeowners policy and keeping the umbrella policy. If I cancelled and the house burned down, it would just be like a 12% mar...
by Dottie57
Fri Feb 16, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 135
Views: 6464

Re: How to get child's skin in the game for college?

I find all this skin in the game for college education rather sad. IF you can afford paying 100%. You were happy to support her 100% for the past 17 years; why baulk at the final year in college? At college it becomes clearer as to what turns her on, hopefully not drugs. She will pay full attention...
by Dottie57
Fri Feb 16, 2018 9:51 am
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 135
Views: 6464

Re: How to get child's skin in the game for college?

I find all this skin in the game for college education rather sad. IF you can afford paying 100%. You were happy to support her 100% for the past 17 years; why baulk at the final year in college? At college it becomes clearer as to what turns her on, hopefully not drugs. She will pay full attention...
by Dottie57
Thu Feb 15, 2018 11:26 pm
Forum: Personal Consumer Issues
Topic: Vacation in May. Boston, Martha's Vineyard, Ogunquit (cancelled Bar Harbor)
Replies: 32
Views: 2112

Re: Vacation in May. Boston, Martha's Vineyard, Bar Harbor

Go to the zoo, art museum. Eat in the Italian section (north?). Harbor tour. Freedom walk/trail. Boston is great.

Maine is Beautiful. Won't Puffins be out? Lghthouses? Beaches? Love you k for a maritime museum

Have fun! I envy your trip.
by Dottie57
Thu Feb 15, 2018 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: I didn't tax-loss harvest this month, did you?
Replies: 86
Views: 4921

Re: I didn't tax-loss harvest this month, did you?

No losses in brokerage account. My gains are smaller.
by Dottie57
Thu Feb 15, 2018 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Just wondering if you do this...
Replies: 10
Views: 1693

Re: Just wondering if you do this...

You are talking about two different things — one is the goal for your investments (retirement, college, house downpayment, etc.) and the other is the type of investment (bond funds, individual stocks, REITS, etc.) You can have dividend stocks in your retirement savings and you can have a S&P 500 in...
by Dottie57
Thu Feb 15, 2018 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Deploying bonus
Replies: 5
Views: 664

Re: Deploying bonus

whodidntante wrote:
Thu Feb 15, 2018 7:57 pm
That seems awfully complicated. If you have money, invest it.

+1
by Dottie57
Thu Feb 15, 2018 7:42 pm
Forum: Personal Consumer Issues
Topic: How do docs treat "white coat hypertension"?
Replies: 35
Views: 2079

Re: How do docs treat "white coat hypertension"?

eye.surgeon wrote:
Thu Feb 15, 2018 4:34 pm
Check it at home, keep a record, give it to your doc on exam day.

Also bring along your monitor to see how well it reads your pressure.
by Dottie57
Thu Feb 15, 2018 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Gut check: is this lifestyle creep?
Replies: 37
Views: 5460

Re: Gut check: is this lifestyle creep?

For me, the benefit of the rule about lifestyle creep is the restriction on spending. The lower your expenses, the earlier you can retire or more well off you can be in retirement.


I've found spending on things gives me less enjoyment with each year that passes.
by Dottie57
Thu Feb 15, 2018 1:33 pm
Forum: Investing - Theory, News & General
Topic: How many of you use the "4% rule" during retirement?
Replies: 68
Views: 8184

Re: How many of you use the "4% rule" during retirement?

As I have read the various threads on the 4% rule, it is not typically used as a withdrawal strategy, it is more typically used as FI indicator. Not sure about this - my understanding is that it is a withdrawal strategy. I retired at 65 (two years in Sept. 2018), and am planning to use it for 65-69...
by Dottie57
Thu Feb 15, 2018 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Is This Action by Megacorp Legal?
Replies: 65
Views: 3991

Re: Is This Action by Megacorp Legal?

Happens everywhere I've worked. But we always received advanced notice of the changes as well as notice of the mapping of old funds to new funds. Even when a company doesn't change who holds their 401K, there is usually a committee that is monitoring the funds and making changes over time, dropping...
by Dottie57
Thu Feb 15, 2018 7:52 am
Forum: Investing - Help with Personal Investments
Topic: Need to restructure
Replies: 20
Views: 845

Re: Need to restructure

Target retirement or Life Strategy are great options. If you want different allocations you can buy two different funds in the right proportions to give you what you want.
by Dottie57
Thu Feb 15, 2018 7:52 am
Forum: Investing - Help with Personal Investments
Topic: Need to restructure
Replies: 20
Views: 845

Re: Need to restructure

Target retirement or Life Strategy are great options. If you want different allocations you can buy two different funds in the right proportions to give you what you want.
by Dottie57
Wed Feb 14, 2018 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Changing from SS Spousal to Survivor
Replies: 26
Views: 1609

Re: Changing from SS Spousal to Survivor

IF someone doesn't notify SS that they've been widowed, would SS automatically somehow switch them from spousal benefits to survivor benefits? Obviously, SS would know about the death, because the person who just passed is no longer receiving SS benefits. Thanks. RM Funeral homes will notify SS of ...
by Dottie57
Tue Feb 13, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 133
Views: 9509

Re: What big item (>20k) are you saving up for?

Next car, bathroom remodel, roth conversions. Not sure what will win.
by Dottie57
Tue Feb 13, 2018 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Savings Rate - Early Retirement
Replies: 13
Views: 1042

Re: Savings Rate - Early Retirement

Retirement Goal: 20 years eligible for 401k in summer, will be maxing ROTH/401K (23,500k saved/invested 3% match annually) ... no debt I'm currently able to save 53% of my net income each month . I have 6 month EF in cash and maintain a 100/0 asset allocation once eligible for 401K, will max that a...
by Dottie57
Tue Feb 13, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Job is starting to suck the life out of me.
Replies: 80
Views: 9378

Re: Job is starting to suck the life out of me.

OP, time to start shopping around for a new job. I was in a similar boat as you. It took awhile to find a good replacement job, but I'm much happier in life since I did. On a related note, if they could care less, that implies that they do care. I believe you mean that they couldn't care less. http...
by Dottie57
Tue Feb 13, 2018 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing thru contributions?
Replies: 12
Views: 657

Re: Rebalancing thru contributions?

I've got 600K in a 401K and 21 years to retire. I use a 90/10 split in two index funds and contribute roughly $5K per month. Is it better to in the long run (or does it matter at all): A) When I make a contribution buy equal dollar amounts in both index funds then rebalance once per year. OR B) Whe...
by Dottie57
Tue Feb 13, 2018 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 160
Views: 11130

Re: Did you learn anything from the market correction?

I learned I wanted to "DO SOMETHING!"

I just stood there.

So far all is well, although my numbers are lower. The world has not ended.
by Dottie57
Tue Feb 13, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Job is starting to suck the life out of me.
Replies: 80
Views: 9378

Re: Job is starting to suck the life out of me.

Any Megacorp job will eventually drain your soul. I have to say, my 36+ years at a Megacorp (really two, as the original company merged with another) was a generally positive experience. I enjoyed my work, especially after switching to software engineering, and had many good coworkers. There are al...
by Dottie57
Tue Feb 13, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Job is starting to suck the life out of me.
Replies: 80
Views: 9378

Re: Job is starting to suck the life out of me.

Am I just naive at 31? I try to take initiative to help out the department and they could all care less and I'm not even looking for a pat on the back. Just their demeanor speaks volumes. Including the head tech and the supervisor. Makes me just want to do enough while on shift just to get by under...
by Dottie57
Tue Feb 13, 2018 1:10 pm
Forum: Forum Issues and Administration
Topic: Doesn't seem like people respond to portfolio assessments like they did a few years ago.
Replies: 103
Views: 8373

Re: Doesn't seem like people respond to portfolio assessments like they did a few years ago.

I'm not sure what new people see when they join. Is there a Read This First page? If not, maybe there should be. +1 If I remember correctly, I was researching some part of my new-at-the-time "coffeehouse" portfolio and the search engine linked to a post on BH. I liked the discussion and "backed out...
by Dottie57
Mon Feb 12, 2018 9:34 pm
Forum: Investing - Theory, News & General
Topic: Explain why long-term bonds aren't awesome
Replies: 20
Views: 1727

Re: Explain why long-term bonds aren't awesome

venkman wrote:
Mon Feb 12, 2018 8:58 pm
RRAAYY3 wrote:
Mon Feb 12, 2018 8:36 pm
feels like bonds are pretty much as risky as equity without the return potential ...
Since 1993, the worst calendar year return for Vanguard's Total Stock Market Index was -37%.

The worst calendar year return for VG's Total Bond Index was -2.66%.
Numbers say it all.