Search found 2214 matches

by Dottie57
Sat Nov 18, 2017 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Current precarious equity environment for a retiree
Replies: 29
Views: 1565

Re: Current precarious equity environment for a retiree

I have 50/50 stock fixed income allocation. I am most worried about sequence of events before I take SS at 70. Returns will guide the percentages of stock and FI I withdraw. FI includes bond funds , stable returns funds and cd's . After I have SS, i will move towards heavier allocation of stocks. 60...
by Dottie57
Sat Nov 18, 2017 10:00 am
Forum: Investing - Help with Personal Investments
Topic: What to do with 360k for an old man
Replies: 17
Views: 869

Re: What to do with 360k for an old man

The money is Grandpa's. It is his decision. Cd's at the most.
by Dottie57
Fri Nov 17, 2017 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 33
Views: 3608

Re: 55+ Early retirement offer.

Thank you to all who replied!
by Dottie57
Fri Nov 17, 2017 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Finance Simplicity
Replies: 36
Views: 1728

Re: Finance Simplicity

I Simply want to Keep as much of my hard earned salary as possible. For that I use three accounts. Ira (rollover), roth, 401k.

Funds are simple 3fund strategy.

One checking, one saving acct. 2 credit cards.

Fairly simple . Takes at most 30 minutes a month.
by Dottie57
Thu Nov 16, 2017 9:53 am
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 33
Views: 3608

Re: 55+ Early retirement offer.

Let me give you another real example of what could happen. I too retired several years ago after being offered a package. I haven’t looked back and am worth more now than I was then. One of the best decisions I ever made. Another worker from different plant whom I knew as I transferred from that fa...
by Dottie57
Thu Nov 16, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 33
Views: 3608

Re: 55+ Early retirement offer.

Rumors are swirling at my employer that an early retirement package will be offered to those 55 and older with 10 years of service. Said semi imaginary package will be up to 1 year return of salary with cobra paid by company. If this does materialize, It sounds very good to me. I think when a compa...
by Dottie57
Wed Nov 15, 2017 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 33
Views: 3608

Re: 55+ Early retirement offer.

I think when a company wants to cut, employees the first offer of this kind is usually the best. Is this usually true? If you have a traditional pension be sure to know how that will be impacted. Sometimes offers like this are because the company wants to reduce the pension costs even when the comp...
by Dottie57
Wed Nov 15, 2017 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 33
Views: 3608

Re: 55+ Early retirement offer.

FraggleRock wrote:
Wed Nov 15, 2017 9:09 pm
You should expect to pay $800/mo for a HD/HSA bronze plan.
Do the math.
I have. I've planned on 1k per month in premium.
by Dottie57
Wed Nov 15, 2017 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 33
Views: 3608

Re: 55+ Early retirement offer.

Rumors are swirling at my employer that an early retirement package will be offered to those 55 and older with 10 years of service. Said semi imaginary package will be up to 1 year return of salary with cobra paid by company. If this does materialize, It sounds very good to me. I think when a compa...
by Dottie57
Wed Nov 15, 2017 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 33
Views: 3608

Re: 55+ Early retirement offer.

Rumors are swirling at my employer that an early retirement package will be offered to those 55 and older with 10 years of service. Said semi imaginary package will be up to 1 year return of salary with cobra paid by company. If this does materialize, It sounds very good to me. I think when a compa...
by Dottie57
Wed Nov 15, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 33
Views: 3608

Re: 55+ Early retirement offer.

WhiteMaxima wrote:
Wed Nov 15, 2017 7:49 pm
Is it GE ?

No.
by Dottie57
Wed Nov 15, 2017 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 33
Views: 3608

55+ Early retirement offer.

Rumors are swirling at my employer that an early retirement package will be offered to those 55 and older with 10 years of service. Said semi imaginary package will be up to 1 year return of salary with cobra paid by company. If this does materialize, It sounds very good to me. I think when a compan...
by Dottie57
Tue Nov 14, 2017 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Borrowing from parents - what interest rate?
Replies: 52
Views: 3413

Re: Borrowing from parents - what interest rate?

We have had several intra-family loans among various members of my family. The OP's proposal is exactly what we do: split the rates down the middle and everybody's happy. I always shake my head when the "don't do it" posts show up. You know your family but your family's probably better than you thi...
by Dottie57
Tue Nov 14, 2017 6:27 pm
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 85
Views: 4423

Re: Tipping in living wage state. Redux.

tanstaafl wrote:
Mon Nov 13, 2017 8:20 pm
KlangFool wrote:
Mon Nov 13, 2017 8:17 pm
OP,

I do not change my tipping behavior just because some state claimed that they are paying a living wage. If I cannot afford to tip at certain places, I just do not go to that locations/places.

KlangFool
Thank you Klangfool for stating this better than I. I agree completely.
So agree.
by Dottie57
Mon Nov 13, 2017 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's 401k investment options (high fees!)
Replies: 26
Views: 1170

Re: Wife's 401k investment options (high fees!)

badbreath wrote:
Mon Nov 13, 2017 10:02 pm
100% State Street S&P 500 Index Fund 0.70%
+1

Add Some State Street Russell Smal cap.
by Dottie57
Mon Nov 13, 2017 5:45 pm
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 85
Views: 4423

Re: Tipping in living wage state. Redux.

Even better -what will you do? To make actionable.

I will tip when service is good. Probably not 25%. But 10 to 15%.

Mostly I tip because someone needs to do the work and I am hlad it is not me.
by Dottie57
Mon Nov 13, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Losing all of your savings.
Replies: 41
Views: 5501

Re: Losing all of your savings.

volimsmes wrote:
Mon Nov 13, 2017 11:31 am
i've lost all of my savings because of stupid investments. How should I mentaly deal with situaction like this?

Resolve to never pay attention again to what what caused you to make stupid investments.

Greed? Ignorance?
by Dottie57
Sun Nov 12, 2017 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Paying off Home mortgage, partner doubts?
Replies: 40
Views: 2840

Re: Paying off Home mortgage, partner doubts?

Kind of weird question.. Would a typical BH homeowner inform wife that you will be paying off mortgage? I do plan to inform her after few months .. Her reasons 1) everyone has a mortgage, 2) you can get more RoR on other investments (mortgage is 3% with 10 yrs remaining), 3) can save as down paymen...
by Dottie57
Sat Nov 11, 2017 3:30 pm
Forum: Investing - Theory, News & General
Topic: Should you own only non-U.S. stocks?
Replies: 63
Views: 5963

Re: Should you own only non-U.S. stocks?

RyeWhiskey wrote:
Sat Nov 11, 2017 3:10 pm
A quick check tells me that Vanguard Total World Stock Index is at 52.1% domestic equity, so that's where I'll remain. I'm willing to bet that in the long run this index outperforms whatever 'method' is used to jump between domestic and international, but only time will tell. :beer
+1
by Dottie57
Sat Nov 11, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 107
Views: 6194

Re: Do you meditate?

Yes. 40 years. Constant. Teach and practice. Static, moving, daily mindfulness, etc. j :D What is daily mindfulness. Taking the "presence" of seated meditation progressively into daily life such that the benefits of meditation become dynamic and ongoing. The generic basic seated meditation might, f...
by Dottie57
Sat Nov 11, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 107
Views: 6194

Re: Do you meditate?

Sandtrap wrote:
Sat Nov 11, 2017 9:41 am
Yes.
40 years.
Constant.
Teach and practice.
Static, moving, daily mindfulness, etc.
j :D

What is daily mindfulness.
by Dottie57
Sat Nov 11, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 106
Views: 10165

Re: Tipping for restaurants where you order at the counter

The less I need to do, the more I tip.

#1 no.
#2. Maybe
#3 yes.
by Dottie57
Sat Nov 11, 2017 8:35 am
Forum: Personal Consumer Issues
Topic: Swedish Death Cleaning [De-clutter your home]
Replies: 60
Views: 6181

Re: Swedish Death Cleaning

Kind of a creepy name. But my 86yo mom has been practicing similar. She has gone through the house and eliminated things she doesn't use. No antiques found in her home!
by Dottie57
Fri Nov 10, 2017 9:09 pm
Forum: Investing - Theory, News & General
Topic: David Blanchett: Liability Driven Investing Misapplied
Replies: 16
Views: 1209

Re: David Blanchett: Liability Driven Investing Misapplied

I find the color bands very distracting and wonder what exactly is the difference between the colors.
by Dottie57
Fri Nov 10, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 182
Views: 15883

Re: Flying first class, business, versus economy.

I travel fairly often for work; 75,000 - 150,000 miles/year over the past 10 years. It can be a bear being away from friends/family while I travel, but it's nice cashing in points and/or certificates when the family travels. I end up in first class on many domestic flights due to automatic upgrades...
by Dottie57
Fri Nov 10, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 10793

Re: Got an iPhoneX

Are you trying to post something like this? (from another forum): https://forums.macrumors.com/attachments/screen-shot-2017-11-04-at-11-21-38-pm-png.732002/ https://forums.macrumors.com/proxy.php?image=https%3A%2F%2Fpbs.twimg.com%2Fmedia%2FDJjZcIgW0AAEljt.jpg&hash=6918067ff34335601deb1283b831711b T...
by Dottie57
Thu Nov 09, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: Best Approach for Purchasing Many Furnishings
Replies: 27
Views: 1672

Re: Best Approach for Purchasing Many Furnishings

I started out with Estate Sale And Garage Sale furniture. Some very nice pieces and most bought for very little. Stuff was good quality but not highly fashionable.
by Dottie57
Thu Nov 09, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Lending Money to Business Acquaintance
Replies: 17
Views: 1236

Re: Lending Money to Business Acquaintance

Raymond wrote:
Thu Nov 09, 2017 12:40 pm
Either make it a gift, or pass on this.
+1
by Dottie57
Thu Nov 09, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Having second thoughts about building up hsa
Replies: 17
Views: 1477

Re: Having second thoughts about building up hsa

This may be a semantic distinction, but I know that for FSA "receipts" on their own are insufficient. A credit card receipt that just says "Dr. Smith, $225.76" is not enough. Our FSA provider will not reimburse unless you have a piece of paper stating the patient's name and service rendered. EOB fr...
by Dottie57
Wed Nov 08, 2017 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 328
Views: 34390

Re: Did you tell anyone you paid off your mortgage?

I see no point in telling everyone... but then again.. I don't need or want outside validation to know I am kicking ass at life!! Great job!! The point is to celebrate a life event with a good friend! First, one needs a “good” friend. :sharebeer i am lucky to have several good friends who shared my...
by Dottie57
Wed Nov 08, 2017 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 151
Views: 12592

Re: How old are you and how much do you save for retirement a year

Age 60

401k. 24k
Roth ira 6.5k
Employer match 4.5 k
Savings account. 16k (differs year to year)

Total 51k

Income this year is 127k
by Dottie57
Wed Nov 08, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: Coffee
Replies: 51
Views: 3816

Re: Coffee

I never "loved" coffee until I began roasting it myself. I always thought that coffee was supposed to be bitter until I learned that the coffee on the shelves could be years old. It is embarrassingly easy to roast your own and completely enhances the coffee drinking experience (I feel like I'm soun...
by Dottie57
Wed Nov 08, 2017 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 328
Views: 34390

Re: Did you tell anyone you paid off your mortgage?

tesuzuki2002 wrote:
Wed Nov 08, 2017 3:28 pm
I see no point in telling everyone... but then again.. I don't need or want outside validation to know I am kicking ass at life!! Great job!!

The point is to celebrate a life event with a good friend!
by Dottie57
Wed Nov 08, 2017 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 328
Views: 34390

Re: Did you tell anyone you paid off your mortgage?

I think I told my parents. I was 44 when we paid it off. Today (13 years later), we still have friends refinancing because they have expenses they can't pay and I expect they will never be without a mortgage. We have not told them a thing. Smart guy! +1 Maybe you should tell them about Dave Ramsey.
by Dottie57
Wed Nov 08, 2017 9:13 am
Forum: Investing - Theory, News & General
Topic: "I took all my money out of the stock market and it feels amazing"
Replies: 69
Views: 8670

Re: "I took all my money out of the stock market and it feels amazing"

Globalviewer58 wrote:
Tue Nov 07, 2017 5:35 pm
So the author knows, "exactly how much money I need to live on", which implies that she knows her exact age at death, the annual change in CPI, her spending rate and interest rates for this exact time.

What a leap to believe she knows these factors.

+1
by Dottie57
Wed Nov 08, 2017 9:08 am
Forum: Investing - Help with Personal Investments
Topic: From 100% equity to 80/20. Overnight or over a year?
Replies: 23
Views: 1863

Re: From 100% equity to 80/20. Overnight or over a year?

GMT-8 wrote:
Tue Nov 07, 2017 9:34 pm
I vote for overnight.

What’s done is then done. If you string it out, you are likely to reassess your decision every time.

That’s my opinion. It has worked for me over 40 years.

GMT-8
+1
by Dottie57
Tue Nov 07, 2017 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Assessing my retirement savings rate
Replies: 9
Views: 1284

Re: Assessing my retirement savings rate

Put as much as is fairly comfortable into retirement. You won't regret it.
by Dottie57
Tue Nov 07, 2017 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Annuity Alternative
Replies: 54
Views: 2258

Re: Annuity Alternative

You're kidding, right? I'm quite serious. What do you see as the pitfall? Said young person may come to a time where they cannot or won't pay you back. Family members become alienated over loans. Money can make people irrational. Don't do it. Don't burden the young person with a loan like this. Go ...
by Dottie57
Tue Nov 07, 2017 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Another Whole Life Conundrum
Replies: 6
Views: 750

Re: Another Whole Life Conundrum

One of the things that I find awful about whole life is that the cash value evaporates if a death benefit is distributed. So often it looks like the policy holder has self insured - when cash value and death benefit are close in value.
by Dottie57
Tue Nov 07, 2017 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Poll-How much do you have in your HSA?
Replies: 50
Views: 4715

Re: Poll-How much do you have in your HSA?

I have 21k in HSA. I just started investing with the money. Decided I could take a bit of risk.
by Dottie57
Tue Nov 07, 2017 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: ETF Retirement Strategies
Replies: 10
Views: 1105

Re: ETF Retirement Strategies

HappyMan wrote:
Tue Nov 07, 2017 1:13 pm
mega317 wrote:
Tue Nov 07, 2017 12:27 am
With current market history, it is hard to believe in buy-and-hold strategy for a long term.
What led you to this conclusion? Needless to say I disagree.
When stocks fall, why hold them?
If you sell when stock funds are down you lock in your loss. Instead buy more at the cheaper price.
by Dottie57
Tue Nov 07, 2017 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Living Off Savings to Max Retirement Accounts?
Replies: 27
Views: 2707

Re: Living Off Savings to Max Retirement Accounts?

OP

Having savings money is extremely valuable if you want to defer SS in order to increase the yearly payout.
by Dottie57
Tue Nov 07, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: sell bonds to pay off boat?
Replies: 12
Views: 590

Re: sell bonds to pay off boat?

clydewolf wrote:
Tue Nov 07, 2017 10:06 am
Definition of a Boat: A hole in the water where you keep throwing in more money.

I'd sell the boat.
Me too.
by Dottie57
Tue Nov 07, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: Fair Price for a Kitchen Remodel
Replies: 34
Views: 2918

Re: Fair Price for a Kitchen Remodel

Five years ago I used a very well known and reputable kitchen remodeler who had in house designers. I paid $500 for the design. My contract included big line items with costs. The cost I paid was contract price with exception of additional money for plumbing problem found. great place to work with i...
by Dottie57
Mon Nov 06, 2017 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: How Much should I fund my HSA and Why?
Replies: 21
Views: 1812

Re: How Much should I fund my HSA and Why?

I just had to enroll for Health insurance at work (some things about getting older are not that fun) and I am going with the HSA option. I am 25 years old. single. Make approx. 62k a year. Debt free. I rarely get sick and haven't been to the hospital in the past 3 or 4 years. The plan has a $1500 d...
by Dottie57
Mon Nov 06, 2017 4:04 pm
Forum: Personal Consumer Issues
Topic: Climate controlled cars - Useful or Useless?
Replies: 49
Views: 2087

Re: Climate controlled cars - Useful or Useless?

After 15+ years of driving a car with manual temperature control, I bought a 2-zone climate controlled car. To be honest, I find the system very annoying to use . It is too complicated for what it is trying to achieve . It operates like a black box so I have no idea what it is really doing. For exa...
by Dottie57
Mon Nov 06, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: HDHP+HSA, why mix insurance and investments???
Replies: 21
Views: 1266

Re: HDHP+HSA, why mix insurance and investments???

I am investing for increased costs in Medicare. I keep a years oop max in checking. I am conservative in investing this money.
by Dottie57
Sun Nov 05, 2017 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing For "Early Retirement" In A Couple of Years
Replies: 77
Views: 7405

Re: Preparing For "Early Retirement" In A Couple of Years

Wow. Just wow

Your really important line is buried in the 3rd point at bottom of post. Not the best placement.
by Dottie57
Sun Nov 05, 2017 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing For "Early Retirement" In A Couple of Years
Replies: 77
Views: 7405

Re: Preparing For "Early Retirement" In A Couple of Years

To quit at 30 , i would think you need 50 to 60 times expenses. I think your wife needs a reality check. While I agree that the wife needs a reality check, 50x to 60x expenses is ridiculous. That means having enough money to live 100% off a TIPS ladder for your entire life. There is a wide variety ...
by Dottie57
Sun Nov 05, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: How has your AA philosophy changed over the years?
Replies: 45
Views: 3556

Re: How has your AA philosophy changed over the years?

When Inwas 31, the small company I worked for started a 401k with a small regional investment company. The investment funds were created by the 401k company and there were 3. We had a stock fund, a bond fund and a stable value fund. Twice a year the investment advisor for our company came out for a ...