Search found 4420 matches

by Dottie57
Wed Oct 17, 2018 10:47 pm
Forum: Personal Consumer Issues
Topic: Corporate politics/culture
Replies: 31
Views: 2657

Re: Corporate politics/culture

the new ceo is a guy from a good wall street firm. Unless your company is a somewhat similar wall street firm(even if not on wall street) then you have to wonder why they hired someone from a wall street firm. The reason could be that he was hired to extract value from the company then sell off the...
by Dottie57
Wed Oct 17, 2018 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Down payment into Ally 1% offer, how will it affect mortgage applications?
Replies: 7
Views: 465

Re: Down payment into Ally 1% offer, how will it affect mortgage applications?

Are you complicating your lives by chasing 1% for a potentially small amount of time? So, to be fair, I believe the annualized yield is something like 4-5%. With that said, that's what I'm trying to figure out. I don't know whether it will complicate our lives - hence I am seeking the input of thos...
by Dottie57
Wed Oct 17, 2018 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Did you retire because you hit your number?
Replies: 46
Views: 3291

Re: Did you retire because you hit your number?

I asked for a review from Bogleheads ( 2 years ago) and it seemed like I could retire if desired. Kept working. Last year an early retirement package was offered. I took it and retired with good severance. I wasn’t happy with work, was physically tired and when the package was offered, it seemed lik...
by Dottie57
Wed Oct 17, 2018 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Down payment into Ally 1% offer, how will it affect mortgage applications?
Replies: 7
Views: 465

Re: Down payment into Ally 1% offer, how will it affect mortgage applications?

Are you complicating your lives by chasing 1% for a potentially small amount of time?
by Dottie57
Wed Oct 17, 2018 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 49
Views: 2526

Re: Where would you go for financial guidance if you win the Megamillions?

Bogleheads is what I would use. May a prime money market at first. Then: 1). Give my mom a big pot of money so she could move anywhere she would want. 2). Split money with my only brother. Couldn’t be rich without him also having money. 3). Look at what is left and give money to two good friends. 4)...
by Dottie57
Wed Oct 17, 2018 6:41 pm
Forum: Investing - Theory, News & General
Topic: "Retirement age uncertainty increases the savings needed for success"
Replies: 44
Views: 3636

Re: "Retirement age uncertainty increases the savings needed for success"

SevenBridgesRoad wrote:
Sun Oct 07, 2018 11:48 pm
I'm average then. Just made it. Retired two weeks ago at...61. 62nd birthday next week.

I always planned to retire somwhere between 65 and 70. Early retirement package allong with goo returns durn last 10 years allowed me to retire at 61. So I guess I am just average.
by Dottie57
Wed Oct 17, 2018 5:28 pm
Forum: Investing - Theory, News & General
Topic: flat for the year
Replies: 9
Views: 710

Re: flat for the year

What is the ticker for your S&P fund?
by Dottie57
Wed Oct 17, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Would you ever buy a lottery ticket?
Replies: 32
Views: 1122

Re: Would you ever buy a lottery ticket?

HoosierJim wrote:
Wed Oct 17, 2018 2:28 pm
I am dollar cost averaging into lottery sector - 1 ticket per week whenever prize is over $300 million. Just the discussions of "what I would I do with >$300 million" are worth the price.
+1 - I usually buy when I fill up the car gas tank.
by Dottie57
Tue Oct 16, 2018 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: "MegaMillions and Powerball jackpots combined are now $1B" - Good investment?
Replies: 55
Views: 2663

Re: "MegaMillions and Powerball jackpots combined are now $1B" - Good investment?

folks at work did a pool thing, I opted out as I don't subscribe to these types of things...was given a hard time since it was only a $2 contribution but it's ok. I don't gamble as it's against my principle. I used to participate since I didn’t want to be the last person in the department when ever...
by Dottie57
Tue Oct 16, 2018 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Pay CGs now to move into Index, or hold?
Replies: 8
Views: 520

Re: Pay CGs now to move into Index, or hold?

How far away is retirement? If ten years away, think about small amounts each year.

Also consider we have lower tax rates now.
by Dottie57
Tue Oct 16, 2018 10:58 am
Forum: Investing - Theory, News & General
Topic: Monthly vs. Annual Withdrawals
Replies: 15
Views: 1077

Re: Monthly vs. Annual Withdrawals

What happens in a negative returns scenario for some years? Or is that included already
by Dottie57
Tue Oct 16, 2018 9:40 am
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 158
Views: 13249

Re: Correlation between the FIRE movement and one of the greatest bull markets

I hope a bear market of “epic” proportions does not happen anytime soon. Assuming “epic” is greater than 50% decline.
by Dottie57
Tue Oct 16, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Relocation to California
Replies: 49
Views: 4076

Re: Relocation to California

My wife recently met her biological family who lives in the San Fernando Valley. In order for her to be closer to them and get to know them, we are thinking of relocating from Dallas to that area of California in about a year. My wife works from home so she would easily be able to make such a move....
by Dottie57
Mon Oct 15, 2018 10:42 pm
Forum: Personal Consumer Issues
Topic: How do you buy a mattress ?
Replies: 31
Views: 2293

Re: How do you buy a mattress ?

Smoke wrote:
Mon Oct 15, 2018 10:46 am
Select comfort. air mattress. Light weight, set firmness via remote, I have one that is 20 yrs old (Queen) feels as good as when it was new.

I have had this since 2012. It has worked very well for me.
by Dottie57
Mon Oct 15, 2018 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 88
Views: 5762

Re: When to stop putting money into an older vehicle

This! I would not drive a car that old, and would probably replace a vehicle that is say 10 or so years old with newer. I worry that even though the vehicle may be reliable I'll miss out on new safety features. I have a 2003 vehicle too and am facing a repair issue which might be costly. I don't co...
by Dottie57
Mon Oct 15, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 171
Views: 54945

Re: Time to reach 1M and 2M milestones

David Jay wrote:
Sun May 17, 2015 8:19 pm
With a 70/30 or 60/40 portfolio, long term growth should be about 7-8%. So using 7.5%, it should take less than 10 years without any contributions (again, this is the average!).

It took me almost that long to get from zero to 50,000
+1
by Dottie57
Mon Oct 15, 2018 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Doing my own taxes?
Replies: 13
Views: 1372

Re: Doing my own taxes?

Thanks for the reality check.... Probably best to leave things as they are. For those who asked, I do all the other accounting functions (bill paying, entering invoices, etc.) With the business taxes included, it is very good you are keeping the accountant. I use turbo tax because my taxes are simp...
by Dottie57
Mon Oct 15, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: How much to spend on landscaping?
Replies: 6
Views: 1311

Re: How much to spend on landscaping?

Assuming you won’t finance the project, go ahead and do it. Know what you want and the goals for the project. Remember you can change parts of any proposal. Add things, remove.

Get multiple bids.
by Dottie57
Mon Oct 15, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Not convinced with insurance
Replies: 45
Views: 3453

Re: Not convinced with insurance

Umbrella insurance: I bought when assets over 1m and old enough to not be able to replace lost money. Home insurance: replacement cost + a readable policy. Next year I will replace mine. Use an agent / broker who represents many companies. Life insurance: get a small amount with a rider that guarant...
by Dottie57
Sun Oct 14, 2018 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Have you annuitized some of your money?
Replies: 67
Views: 5595

Re: Have you annuitized some of your money?

I have been playing around with the idea of a 15 year annuity to bridge the gap between 52 to 67 as part of a FIRE plan. The annuity would run out and SS would start up to take the place of the monthly annuity income at age 67. Anyone consider this and have thoughts? Also, in comparing annuities, w...
by Dottie57
Sun Oct 14, 2018 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Have you annuitized some of your money?
Replies: 67
Views: 5595

Re: Have you annuitized some of your money?

Farmboyslim83 wrote:
Sun Oct 14, 2018 5:02 pm
Thoughts on DIA, instead of SPIA? Buying now and waiting 5-6 years to begin payments results in a higher monthly payment. Think most would jump on a 5% 5-year CD, why not a DIA in 5 years at +7%?
Do you mean SPDA - single premium deferred annuity?
by Dottie57
Sun Oct 14, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: 1950s home. Replace drywall and insulation or repair it
Replies: 19
Views: 1655

Re: 1950s home. Replace drywall and insulation or repair it

One of the best investments my parents made (for heating and cooling) was replacing the windows in their 1956 home. It made significant difference in comfort during all seasons.

I would do the insulation.
by Dottie57
Sun Oct 14, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Need new email address. Gmail or ???
Replies: 70
Views: 5014

Re: Need new email address. Gmail or ???

GoldStar wrote:
Sun Oct 14, 2018 6:09 am
BoglePaul wrote:
Sat Oct 13, 2018 10:33 pm
To get anything done you really need a gmail account and an outlook.com account. Which one to use for email is a tough choice. If Microsoft still made Windows Phone, the choice would be easier.
I somehow get everything done without either.
Me too.
by Dottie57
Sun Oct 14, 2018 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Please help with asset allocation - 63 yr old
Replies: 12
Views: 1377

Re: Would like to create a better portfolio

My apologies for any confusion. The reason for my post is as title implies, a review of my present portfolio and funds vs options; hence the posted information of my present fund selections. Of course, already having a Vanguard account also provides me many options. In answer to the first 3 posts, ...
by Dottie57
Sat Oct 13, 2018 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with asset allocation - 63 yr old
Replies: 12
Views: 1377

Re: How Am I Doing? 63 Yrs Young

The way I think of retirement expenses is : monthly take home pay + medical insurance costs + taxes. And remember you won’t have the Roth IRA contribution expense.
by Dottie57
Sat Oct 13, 2018 6:20 pm
Forum: Investing - Theory, News & General
Topic: Is EMH a tautology?
Replies: 108
Views: 4588

Re: Is EMH a tautology?

If the U.S. market is efficient, what caused it to go down much of last week? Do not confuse efficiency with explainability. To my mind it is not terribly efficient togo down or up 2%. And I would think they should go together. Otherwise it is a story of sparrows getting spooked and slowly coming b...
by Dottie57
Sat Oct 13, 2018 6:16 pm
Forum: Personal Consumer Issues
Topic: Reducing overall medical costs. Do we do anything?
Replies: 67
Views: 3049

Re: Reducing overall medical costs. Do we do anything?

I take my medication as stipulated. With allergies/asthma I will have enough problems that an office call will be necessary. Also try to stay away from thosewith colds - which cause asthma problems for me.
by Dottie57
Sat Oct 13, 2018 6:09 pm
Forum: Investing - Theory, News & General
Topic: Is EMH a tautology?
Replies: 108
Views: 4588

Re: Is EMH a tautology?

If the U.S. market is efficient, what caused it to go down much of last week? Do not confuse efficiency with explainability. To my mind it is not terribly efficient togo down or up 2%. And I would think they should go together. Otherwise it is a story of sparrows getting spooked and slowly coming b...
by Dottie57
Sat Oct 13, 2018 5:48 pm
Forum: Investing - Theory, News & General
Topic: Is EMH a tautology?
Replies: 108
Views: 4588

Re: Is EMH a tautology?

If the U.S. market is efficient, what caused it to go down much of last week?
by Dottie57
Sat Oct 13, 2018 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Weigh in on our Marital Argument =)-- HCOL edition
Replies: 70
Views: 5342

Re: Weigh in on our Marital Argument =)-- HCOL edition

Three bedroom condo in your neighbor hood. Kids of separate genders should have separate rooms. The rooms don’t need to be big. Room for single bed, chest of drawers amd desk for study.

Hotel for grandparents. On their dimeor yours. Hopefully in walking distance.
by Dottie57
Sat Oct 13, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Weigh in on our Marital Argument =)-- HCOL edition
Replies: 70
Views: 5342

Re: Visiting Parents

EyeDee wrote:
Sat Oct 13, 2018 10:13 am
.
Myamar,

If the condo is big enough now except when your parents visit, why not put them up in nice nearby hotel to avoid crowding everyone during their visits. At least until something larger works for you.
+1
by Dottie57
Fri Oct 12, 2018 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Scared to Jump
Replies: 11
Views: 1419

Re: Scared to Jump

Another newbie question for the cognoscenti. I have 3/4 of my retirement account in a taxable AUM portfolio which I've been tracking vs. a modeled passive index mix and it looks like Mr. Bogle is right. I think much of the basis is documented (account is held Raymond James, advisor is an independen...
by Dottie57
Fri Oct 12, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: independent advisor
Replies: 17
Views: 1247

Re: independent advisor

Never sign a contract befor you read and understand the contract.
by Dottie57
Fri Oct 12, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: TV recommendation for my father
Replies: 47
Views: 1668

Re: TV recommendation for my father

Looking for TV recommdations. This TV would be for my father. He is elderly ... Simplicity of remote control operation might be more important than refresh rate and other picture quality issues. My 91-year old relative was unable to watch TV for years because he couldn’t sort out the remote control...
by Dottie57
Fri Oct 12, 2018 7:51 am
Forum: Investing - Theory, News & General
Topic: Market decline in 2019 ?
Replies: 73
Views: 6455

Re: Market decline in 2019 ?

UpperNwGuy wrote:
Mon Oct 08, 2018 1:58 pm
Mark2614 wrote:
Mon Oct 08, 2018 10:45 am
Is anyone here switching from equities to cash in hopes to avoid a big market decline in the next year or two?
Not me. I chose my asset allocation with the understanding that stocks could decline. I'm staying the course.
+1. I haven’t hit rebalance band yet.
by Dottie57
Fri Oct 12, 2018 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Home Purchase - Sellers Request Help with Repairs
Replies: 69
Views: 3038

Re: Home Purchase - Sellers Request Help with Repairs

By non-functioning, I mean, the tank is full, both the line coming from the house to the tank and from the tank to the leech field are in disrepair. The system still drains to the tank however, there are some large leaks in the system. Nothing backing up into the house. Best case then is willfull n...
by Dottie57
Thu Oct 11, 2018 7:25 pm
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 7105

Re: My life saved by New subaru. Almost died.

delamer wrote:
Thu Oct 11, 2018 6:50 pm
Dottie57 wrote:
Thu Oct 11, 2018 2:39 pm
I love the safety features on my new Camry. Auto breaking s a great feature.
I’d much prefer auto “braking.” :shock:
So true!

Fixed.
by Dottie57
Thu Oct 11, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: Budget Coffee
Replies: 51
Views: 3108

Re: Budget Coffee

I buy from Carbou Coffee (Minnesota). My favorite Coffee beans are Starlight at $12 per pound.

Here is the website

https://shop.cariboucoffee.com/asp/shop ... p?c=1&s=13
by Dottie57
Thu Oct 11, 2018 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Just Divorced -- Need Help [looking for new credit card]
Replies: 66
Views: 5980

Re: Just Divorced -- Need Help

I can never quite understand how the debt one spouse creates can be the responsibility of the other spouse in a divorce. That is something divorce attorneys have figured out -- and how they "earn" their fees. I had a co-worker whose husband did the max out card thing. The reason for the divorce was...
by Dottie57
Thu Oct 11, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Just Divorced -- Need Help [looking for new credit card]
Replies: 66
Views: 5980

Re: Just Divorced -- Need Help

I can never quite understand how the debt one spouse creates can be the responsibility of the other spouse in a divorce.
by Dottie57
Thu Oct 11, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 7105

Re: My life saved by New subaru. Almost died.

I love the safety features on my new Camry. Auto breaking braking is a great feature.
by Dottie57
Thu Oct 11, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: Feeling Guilt among family/peers
Replies: 42
Views: 5149

Re: Feeling Guilt among family/peers

Sometimes I feel guilty. I look at my home and feel true happiness in the nest I’ve created. I can say most of my friends and family have homes larger and more expensive than mine. The difference in size and expense is the money in my retirement accounts. I don’t actively talk about money. Two frien...
by Dottie57
Wed Oct 10, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Pls help us design our family life!!!
Replies: 41
Views: 4626

Re: Pls help us design our family life!!!

- At this point, we are not contributing to 401K, 457 etc. DH is contributing to his pension only. Quick additional comment on the above: The general rule of thumb is to pay yourself first -- i.e., max out retirement-focused accounts in a thoughtful, tax-efficient manner. Then all other expenses fo...
by Dottie57
Wed Oct 10, 2018 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Pls help us design our family life!!!
Replies: 41
Views: 4626

Re: Pls help us design our family life!!!

- At this point, we are not contributing to 401K, 457 etc. DH is contributing to his pension only. Quick additional comment on the above: The general rule of thumb is to pay yourself first -- i.e., max out retirement-focused accounts in a thoughtful, tax-efficient manner. Then all other expenses fo...
by Dottie57
Wed Oct 10, 2018 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 108
Views: 7482

Re: What did you buy today

Pumpkin donut and half gallon of milk.
by Dottie57
Wed Oct 10, 2018 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Pls help us design our family life!!!
Replies: 41
Views: 4626

Re: Pls help us design our family life!!!

If you can’t cut expenses, then how can you go to part time work? The numbers don’t balance.
by Dottie57
Wed Oct 10, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: What the heck is growing in my yard?
Replies: 71
Views: 5733

Re: What the heck is growing in my yard?

dm200 wrote:
Wed Oct 10, 2018 2:35 pm
Alien creature!
I agree
by Dottie57
Wed Oct 10, 2018 4:00 pm
Forum: Investing - Theory, News & General
Topic: You know you’re a Boglehead when. . .
Replies: 44
Views: 4861

Re: You know your a Boglehead when. . .

GoldenFinch wrote:
Sun Oct 07, 2018 6:58 am
I’m glad that this event was something that you could take in stride.

:sharebeer
+1
by Dottie57
Wed Oct 10, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Private Client Group: New Advisor
Replies: 17
Views: 1624

Re: Fidelity Private Client Group: New Advisor

I am curious. What is the minimum requirement for the Private Client Group?