Search found 3671 matches

by Dottie57
Sun Jul 22, 2018 9:12 pm
Forum: Investing - Theory, News & General
Topic: Can someone explain how hedging works
Replies: 12
Views: 521

Re: Can someone explain how hedging works

JBTX wrote:
Sun Jul 22, 2018 8:57 pm
https://personal.vanguard.com/pdf/ISGHC.pdf
This made hedging a bond fund much clearer.
by Dottie57
Sun Jul 22, 2018 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Biggest financial decision of my life: selling a big wad of options
Replies: 20
Views: 1400

Re: Biggest financial decision of my life: selling a big wad of options

You can’t see the future. Any road you take may contain regret. I would follow the saying “@ bird in hand is worth two in the bush”. Sell.
by Dottie57
Sun Jul 22, 2018 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Real salary growth negative?
Replies: 45
Views: 2850

Re: Real salary growth negative?

Better than in Megacorp land. Last year, I received a 3% raise. My manager noted that out of our office of 25, only 2 people were given a raise. I'd say that's pretty consistent. In my previous job, no reviews or raises were given to anyone for a full 10 years. I'm hoping to someday match the $$ I ...
by Dottie57
Sun Jul 22, 2018 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Comparing to the S & P 500
Replies: 4
Views: 633

Re: Comparing to the S & P 500

Very interesting. I thought my roll-over IRA had not done that well. But turns out I’ve made a little bit more than the calculator specified as S&P 500 returns. Mostly from American Funds and since 2016 Fidelity indexes.
by Dottie57
Sun Jul 22, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 128
Views: 13061

Re: Salary vs. Lifestyle

Ah, thank you. I would then like to make the counterpoint that I know people who were miserable in higher paying jobs, and were much happier when they changed to a lower-paying job. There are indeed people who have LESS job satisfaction after a promotion and a salary increase. My neighbor was makin...
by Dottie57
Sun Jul 22, 2018 9:23 am
Forum: Investing - Theory, News & General
Topic: Acceptable uses...New Financial Chromebook
Replies: 31
Views: 3592

Re: Acceptable uses...New Financial Chromebook

blackcat allie wrote:
Thu Jul 19, 2018 1:11 pm
Is anyone concerned with Google having so much of their financial info compiled in one place? While Google Sheets probably are no worse than Gmail, etc. it would feel strange to have it all available in one uploaded spreadsheet
I would.
by Dottie57
Sat Jul 21, 2018 9:52 pm
Forum: Personal Consumer Issues
Topic: Suggestions About Simulating Homemade Chicken Stock
Replies: 28
Views: 1360

Re: Suggestions About Simulating Homemade Chicken Stock

In addition to onion I might add some carrots too. I think it will work just fine to do what you are planning.
by Dottie57
Sat Jul 21, 2018 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Buy house for retired mother?
Replies: 44
Views: 2460

Re: Buy house for retired mother

Have you considered a senior apartment community instead of a house? At 69 and single does she really need all the headaches that come with owning a house? Plus who knows how long her health will hold up, and if she might have to move out? True story. DW had a major stroke last year at age 71, only...
by Dottie57
Sat Jul 21, 2018 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Universal Life Insurance question - What to do?!?!
Replies: 13
Views: 938

Re: Universal Life Insurance question - What to do?!?!

So it looks like the capital gains are about 3k. And no real need for insurance. Would cash it out and invest in something else.
by Dottie57
Sat Jul 21, 2018 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: does beneficiary trump all
Replies: 10
Views: 1165

Re: does beneficiary trump all

Does the designation on an IRA trump everything else? Have a weird situation where I am the beneficiary of what I think is pretty sizable IRA, however my mom "might have" signed over her life savings to who I'm not exactly sure. This happened about six months ago. While my mom was going in to visit...
by Dottie57
Sat Jul 21, 2018 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Choices
Replies: 6
Views: 270

Re: 401K Choices

vineviz wrote:
Sat Jul 21, 2018 12:26 pm
35% U.S. Large Cap Equity Index Fund
30% International Index Fund
20% Bond Index Fund
15% Small Cap Equity Index Fund
Great percentages.
by Dottie57
Sat Jul 21, 2018 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Ticker for a fund tracking MSCI ACWI Ex US?
Replies: 7
Views: 288

Re: Ticker for a fund tracking MSCI ACWI Ex US?

livesoft wrote:
Sat Jul 21, 2018 12:26 pm
ACWX is another one, isn't it?
Isn’t that all world with US included?
by Dottie57
Sat Jul 21, 2018 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Ticker for a fund tracking MSCI ACWI Ex US?
Replies: 7
Views: 288

Re: Ticker for a fund tracking MSCI ACWI Ex US?

vineviz wrote:
Sat Jul 21, 2018 12:21 pm
SPDR® MSCI ACWI ex-US ETF

Ticker CWI

https://us.spdrs.com/en/etf/spdr-msci-a ... us-etf-CWI

Thank you!
by Dottie57
Sat Jul 21, 2018 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Choices
Replies: 6
Views: 270

Re: 401K Choices

Hello All... I am looking for advice on 401K investment choices.. I have my balance in 2040 target date fund with ER 0.199. I feel 0.199 is high compared to core index funds mentioned below. Please suggest on how to rebalance my 401K into index funds. I want to stick with 80/20 stock/bond with some...
by Dottie57
Sat Jul 21, 2018 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Investing with Euros/New Green Card Holder
Replies: 1
Views: 90

Re: Investing with Euros/New Green Card Holder

My spouse is an Irish national and a U.S. Legal Permanent Resident (Green Card holder). He has money socked away in an Irish bank, but we recently opened U.S. bank accounts for him, as well as a Vanguard investment account. Is it possible for him to fund his Vanguard account with Euros, so that he ...
by Dottie57
Sat Jul 21, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: Ashley furniture experience? 2000 dollars for 13x8x8 sectional
Replies: 33
Views: 2569

Re: Ashley furniture experience?

We have some furniture from them including a sofa. It's still holding up. I'd say their furniture is between junk and ok. I like Ethan Allen. The delivery guys said Ashley treats them like crap. I baked them halfa pizza and gave them 20 each. You should have seen how they treat the returned furnitu...
by Dottie57
Sat Jul 21, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Structured Note
Replies: 16
Views: 1012

Re: Structured Note

Are you sure you understand how these products work? I would also be interested to see a link to some documentation. Two questions are on the FDIC insurance (really? What is FDIC insured? Call me skeptical) and the 141% upside. Here is an article by Larry Swedroe on these products. https://www.cbsn...
by Dottie57
Fri Jul 20, 2018 8:20 pm
Forum: Personal Consumer Issues
Topic: High school graduation monetary gift for nephew
Replies: 37
Views: 1851

Re: High school graduation monetary gift for nephew

I gave my nephew $100.

I gave $500 for college graduation. And about the same for a trip to New Zealand.
by Dottie57
Fri Jul 20, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: Telemarketing calls from my own prefix
Replies: 57
Views: 4889

Re: Telemarketing calls from my own prefix

I get a lot of these on my cell phone. I rarely use my cell phone and I have given the number out to maybe 10 people, none of them have my prefix. I do start to recognize the last 4 digits after a while, the most often used one is xxx-xxx-3456. It gets pretty annoying because 90% of my cell phone c...
by Dottie57
Fri Jul 20, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: Telemarketing calls from my own prefix
Replies: 57
Views: 4889

Re: Telemarketing calls from my own prefix

Do you know how much it costs to sue someone? Yup, I do it all the time. Small claims varies, but usually $25-$200 or so. State court is usually $200-$250 or so. Federal is $400. If you get a lawyer to take the case, your cost is likely zero, but they are going to want a lot of calls vs an easily i...
by Dottie57
Fri Jul 20, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: Good places to visit within 4-5 hr drive from Atlanta
Replies: 27
Views: 1736

Re: Good places to visit within 4-5 hr drive from Atlanta

Doom&Gloom wrote:
Fri Jul 20, 2018 10:47 am
Savannah, Charleston, and Nashville are all worth visiting. It is very easy to find a wide variety of things to do and see at all three.
I was awestruck with Charleston as a 12 year old. And I loved the Spanish Moss.
by Dottie57
Fri Jul 20, 2018 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Dump a Pile of Money on Young Son?
Replies: 126
Views: 8647

Re: Should I Dump a Pile of Money on Young Son?

No you should not dump a pile of money on your young son. He's doing great, and you might ruin him with it. The wrong sorts of people may become attracted to him (they seem to be able to smell money on a person). See an estate planning lawyer for help in preserving and protecting that money for you...
by Dottie57
Fri Jul 20, 2018 12:00 pm
Forum: Investing - Theory, News & General
Topic: Saving 20% of paycheck isn't enough
Replies: 112
Views: 13176

Re: Saving 20% of paycheck isn't enough

Isn't enough for what exactly? It's a rule of thumb that implies you will work until the retirement age and start pulling out social security benefits immediately. It also implies you will withdraw about 80% of your income every year and maintain your standard of living. So someone that makes 200k ...
by Dottie57
Fri Jul 20, 2018 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Should I Dump a Pile of Money on Young Son?
Replies: 126
Views: 8647

Re: Should I Dump a Pile of Money on Young Son?

No you should not dump a pile of money on your young son. He's doing great, and you might ruin him with it. The wrong sorts of people may become attracted to him (they seem to be able to smell money on a person). See an estate planning lawyer for help in preserving and protecting that money for you...
by Dottie57
Fri Jul 20, 2018 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Financial transparency
Replies: 19
Views: 838

Re: Financial transparency

BTW, The advice given pertains to both genders.
by Dottie57
Fri Jul 20, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Denied Umbrella Coverage Twice - What now?
Replies: 11
Views: 1395

Re: Denied Umbrella Coverage Twice - What now?

I was denied personal umbrella insurance coverage by two companies and I'm not sure how to proceed from here. Would appreciate some advice. Primary residence is with my parents and sibling in NJ. Home is owned by parents and insured through AAA. Cars are insured through Geico in an account under my...
by Dottie57
Fri Jul 20, 2018 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Should I Dump a Pile of Money on Young Son?
Replies: 126
Views: 8647

Re: Should I Dump a Pile of Money on Young Son?

No you should not dump a pile of money on your young son. He's doing great, and you might ruin him with it. The wrong sorts of people may become attracted to him (they seem to be able to smell money on a person). See an estate planning lawyer for help in preserving and protecting that money for you...
by Dottie57
Fri Jul 20, 2018 9:56 am
Forum: Investing - Help with Personal Investments
Topic: $800,000 Windfall. Love the 3-Fund portfolio approach. Wealth Managers in contact
Replies: 33
Views: 3948

Re: $800,000 Windfall. Love the 3-Fund portfolio approach. Wealth Managers in contact

I went to a wealth management group and paid a good price for a plan to manage my 500k. I have a good conersation with the wealth manager and expressed my desire for using well known index funds. This guy was supposed to have knowdge I did not have. Well he certainly did - he knew about the firm’s h...
by Dottie57
Fri Jul 20, 2018 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Should I Dump a Pile of Money on Young Son?
Replies: 126
Views: 8647

Re: Should I Dump a Pile of Money on Young Son?

Don’t give him the whole amount. How about 20k every 5 or so years to make things easier. Off to give him a downpayment tp a house when he becomes seriously interested. Keep the bulk for yourself in case of medical emergency.
by Dottie57
Thu Jul 19, 2018 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Somewhat odd HSA question
Replies: 5
Views: 512

Re: Somewhat odd HSA question

Hi All, DW has an HSA where she named me as the beneficiary that she essentially maxed to the family limit. During that time, my health insurance came through her job. She recently quit so that we could move for me to begin a job, where I will have an HSA, will name her as the beneficiary, and prov...
by Dottie57
Thu Jul 19, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Article on attributes of mentally strong people
Replies: 9
Views: 1225

Re: Article on attributes of mentally strong people

Well, I must not be mentally strong because I spend enormous amounts of time complaining about traffic, luggage and other people. Heck, I complain about EVERYTHING! :D To date, this behavior has had no impact on my investing approach. No struggle to remain very solidly bogleheadian. So, there is so...
by Dottie57
Thu Jul 19, 2018 12:55 pm
Forum: Investing - Theory, News & General
Topic: Direct Real Estate Returns
Replies: 219
Views: 9932

Re: Direct Real Estate Returns

Life is largely about self talk and the stories you tell yourself. If you are convinced that all you can get / are entitled to 7% returns your whole life - that's exactly what you will get. That you should take money OUT of your paycheck for 40 years, because big banks and the government told you i...
by Dottie57
Thu Jul 19, 2018 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: I'm about to inherit a single stock with a worth of just over 7 figures....
Replies: 103
Views: 8272

Re: I'm about to inherit a single stock with a worth of just over 7 figures....

A single stock is risky. Do not be sentimental with stocks. I would sell and put into 3 fund portfolio.

Sorry about Dad. And happy for you that he left you such a nice inheritance.
by Dottie57
Wed Jul 18, 2018 10:02 pm
Forum: Investing - Theory, News & General
Topic: When you look across the horizon.....
Replies: 13
Views: 1427

Re: When you kook across the horizon.....

FIREchief wrote:
Wed Jul 18, 2018 9:51 pm
samsdad wrote:
Wed Jul 18, 2018 5:49 pm
:D
If only we could edit the topic once we poat . . .
What's a "poat?"
Foolishness. :D
by Dottie57
Wed Jul 18, 2018 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: High Crypto Allocation
Replies: 37
Views: 2891

Re: High Crypto Allocation

My buddy has 25% of his total net worth allocated to crypto (15% of which is btc). Close to 5% of my net worth is allocated to crypto right now. He makes the argument to me that if I believe in its speculative capabilities enough to invest 5%, why not bump it up to 20%? I have a large allocation to...
by Dottie57
Wed Jul 18, 2018 6:30 pm
Forum: Investing - Theory, News & General
Topic: Flatting Yield Curve - buckle up for the storm?
Replies: 27
Views: 2336

Re: Flatting Yield Curve - buckle up for the storm?

Every manager I worked for at megacorp ranked his subordinates . Those on the bottom of the list were the first to go in a kayoff situation. Make yourself more valuable and employable each and every day.
by Dottie57
Wed Jul 18, 2018 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Selling mom's house
Replies: 50
Views: 3760

Re: Selling mom's house

Op - quit claim the house ASAP.

You have no liability insurance! Get out of owning the house ASAP, YOU COULD BE SUED! if anyone is hurt on the property.
by Dottie57
Wed Jul 18, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: suit shoe combo?
Replies: 45
Views: 2418

Re: suit shoe combo?

Probably doesn't matter...but, I'm not sure what an engagement party is, or what etiquette considerations there may be. If it's anything like a wedding reception, I would stick with boring, traditional black leather shoes. Why? This event is about the couple, not about you or your sartorial creativ...
by Dottie57
Wed Jul 18, 2018 12:48 pm
Forum: Investing - Theory, News & General
Topic: The joys of investing
Replies: 23
Views: 2672

Re: The joys of investing

I didn’t enjoy investing until I found bogleheads. I’ve learned a lot. I invested in 401k and Roth IRA because I knew if I didn’t I would be up a creek without a paddle. I have done fairly well for a know very little investor. It is most interesting to find the divergent opinions on asset allocation.
by Dottie57
Wed Jul 18, 2018 11:36 am
Forum: Personal Consumer Issues
Topic: Excel Spread sheets -mac or. Windows?
Replies: 21
Views: 1008

Re: Excel Spread sheets -mac or. Windows?

Can you use Google Sheets? I think Iwould have to have a google account. I have grown to really love my google account. Between google on the android phone, use of gmail and google drive, google just seems to make everything so easy , in direct contrast to my long-suffering experience with all thin...
by Dottie57
Wed Jul 18, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 128
Views: 13061

Re: Salary vs. Lifestyle

Contemplate an early death vs an average lifetime. Would you be satisfied with your life if you spent more tome at work? How about if money is tight in retirement? Life is a balance and nothing is guaranteed. Make sure you create memories. And have enough in retirement.
by Dottie57
Wed Jul 18, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: [A Splendid Exchange, by William Bernstein - on sale for Kindle]
Replies: 19
Views: 1766

Re: Splendid Exchange Kindle Sale

Hi All: I realize it's tacky for DH authors to plug their books, but I can't resist posting this for anyone who'd like to read A Splendid Exchange, my history of world trade, whose Kindle format is available through eTextbooks.com/Amazon, currently for all of $1.20: https://www.amazon.com/Splendid-...
by Dottie57
Wed Jul 18, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Buy a vacation home while renting
Replies: 61
Views: 3540

Re: Buy a vacation home while renting

I would focus on paying off the student loan first, minimizing all liabilities, before taking on debt. Then, have an exit strategy. Can the "vacation home" be rented out profitably? Can it be resold at some future date with an increase in price/profit? Though perhaps it might make more sense to: Pa...
by Dottie57
Wed Jul 18, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Excel Spread sheets -mac or. Windows?
Replies: 21
Views: 1008

Re: Excel Spread sheets -mac or. Windows?

Can you use Google Sheets? I think Iwould have to have a google account. I have grown to really love my google account. Between google on the android phone, use of gmail and google drive, google just seems to make everything so easy , in direct contrast to my long-suffering experience with all thin...
by Dottie57
Wed Jul 18, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Excel Spread sheets -mac or. Windows?
Replies: 21
Views: 1008

Re: Excel Spread sheets -mac or. Windows?

Can you use Google Sheets? I think Iwould have to have a google account. I have grown to really love my google account. Between google on the android phone, use of gmail and google drive, google just seems to make everything so easy , in direct contrast to my long-suffering experience with all thin...
by Dottie57
Wed Jul 18, 2018 10:05 am
Forum: Investing - Help with Personal Investments
Topic: How do you handle the urge to DO something?
Replies: 102
Views: 6468

Re: How do you handle the urge to DO something?

I make myself wait a week. The urge is usually gone.

I do the same thing with unexpected urges to purchase something.
by Dottie57
Wed Jul 18, 2018 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Wills
Replies: 54
Views: 2781

Re: Wills

I have been advised that I should have a will. However I don't know where to start with regards to learning about what I actually need. I am married with 3 children. At this life stage, what is the recommended things to have in place, and what's the best way to get there? I searched the wiki and co...
by Dottie57
Tue Jul 17, 2018 7:23 pm
Forum: Personal Consumer Issues
Topic: Excel Spread sheets -mac or. Windows?
Replies: 21
Views: 1008

Re: Excel Spread sheets -mac or. Windows?

For what you're doing, either platform will work. No need to emulate Windows, just use the mac version if you already have it. (F2 key won't work however, you'll need to install some 3rd party apps to fix it.) And google sheets will work as well. I'm increasing relying on google sheets since I have...