Search found 4990 matches

by Dottie57
Sun Jan 20, 2019 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Pre-Retirement Review- Need Wise & Witty Bogleheads
Replies: 11
Views: 1816

Re: Pre-Retirement Review- Need Wise & Witty Bogleheads

For retirement, it is all about EXPENSES. If you don’t know your living expenses, the amount required could be zero or 10 million. Ditto. I figured out my expense : Work paycheck take home + taxes + healthcare insurance - savings / taxable investments. Verify through checking / credit cards Calcula...
by Dottie57
Sat Jan 19, 2019 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: How much money did you receive from family? (Gifts/inheritance)
Replies: 97
Views: 9523

Re: How much money did you receive from family? (Gifts/inheritance)

I have been very lucky. 1. My parents paid for college. Roughly 15k total. 2. My grandfather gave me 2000 each of 4 years plus 2k for graduation. For total of 10k. I saved it all. 3. My parents gave both my brother and I 2k several times just to help out. Maybe 10k. 4. Grandpa gave me 10k for help o...
by Dottie57
Sat Jan 19, 2019 8:54 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 80
Views: 3278

Re: What is a Boglehead funeral/burial?

I think my parents had a great Boglehead plan for funeral. All was prepurchased. Plot, casket paid for. All that needed to be paid for was the obituary, flowers and donation to church. Oops, a small luncheon was also provided when Dad died. Mom is still alive and kicking. I will do same for my relat...
by Dottie57
Sat Jan 19, 2019 8:45 pm
Forum: Investing - Theory, News & General
Topic: The NY Times calls us a cult but in a good way
Replies: 42
Views: 4673

Re: The NY Times calls us a cult but in a good way

:beer
livesoft wrote:
Sat Jan 19, 2019 12:04 pm
Only a cult would be discussing whether they were labeled a cult.
by Dottie57
Sat Jan 19, 2019 8:19 pm
Forum: Investing - Theory, News & General
Topic: What active management stock funds would you own?
Replies: 70
Views: 3657

Re: What active management stock funds would you own?

VG Wellington in HSAbecause I wanted to own it.
Dodge & Cox Income - good performance in 401k.

All the rest is Index.
by Dottie57
Sat Jan 19, 2019 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Navigating Through the Nursing Home Search
Replies: 21
Views: 1040

Re: Navigating Through the Nursing Home Search

Ask his pcp for a referral to a social worker. This person is familiar with the process in your state spe ific to his insurance and can provide you with all the information you will need including financial pitfalls much more so than anyone on this forum. I would strongly recommend you talk to the ...
by Dottie57
Sat Jan 19, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: Using carry-on for traveling locally?
Replies: 22
Views: 1558

Re: Using carry-on for traveling locally?

Target has cheapie bags for traveling. Easy to use. Go ahead and treat yourself.
by Dottie57
Sat Jan 19, 2019 1:48 pm
Forum: Investing - Theory, News & General
Topic: Is using an Asset Allocation Mental Accounting?
Replies: 36
Views: 1401

Re: Is using an Asset Allocation Mental Accounting?

I don’t even have a good description of mental accounting. What is a good description?
by Dottie57
Sat Jan 19, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: 2019 Camry vs RAV4
Replies: 33
Views: 2855

Re: 2019 Camry vs RAV4

If you are older than 50, I would recommend Rav4. Camry is more difficult to enter and exit when older. It is lower to the ground. Camry is lower to the ground bu at 60 it is fine. My 87 old mother can getin and out - she ses a walker. Neither of us are athletic. I do like the Rav4 but it was more.
by Dottie57
Fri Jan 18, 2019 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401K Quesiton
Replies: 2
Views: 206

Re: Fidelity 401K Quesiton

I stick to index funds if at all posibble. The only index fund is Fidelity S&P 500. So I would use this for Stock. Not sure about bonds.

I stick with. Index funds if available.
by Dottie57
Fri Jan 18, 2019 7:52 pm
Forum: Personal Consumer Issues
Topic: Receiver for klipsch bookcase speakers
Replies: 50
Views: 2485

Updated: Receiver for klipsch bookcase speakers

Just thought I should update the kind folks who replied to my request. I purchased on Amazon a Fosi Class D amplifier with blue tooth, line in and 50 watts per channel. The amplifier is a little black box with very basic contiols. Cost 79 +statetax - no shipping because I have Amazon Prime. I am sit...
by Dottie57
Fri Jan 18, 2019 5:40 pm
Forum: Personal Consumer Issues
Topic: Curry Powder?
Replies: 38
Views: 1958

Re: Curry Powder?

Check the web for various recipes for making curry seasonings/ powder. Lots of variations.

Btw, spices usually “blloom” well in oil and you can reallysmell them in the pan. The tast doesn’t comeout if put in a waterbased sauce.
by Dottie57
Fri Jan 18, 2019 4:20 pm
Forum: Personal Consumer Issues
Topic: Strategies to combat or justify lifestyle creep
Replies: 91
Views: 7087

Re: Strategies to combat or justify lifestyle creep

Dude just buy the Tesla. Money is for buying stuff. Either now or later. Which one you pick is totally up to you. Just be mindful that the one thing you can’t buy is more time on this earth. I don’t know about buying a Tesla. CEO indicates there are problems. However some creep should be fine. Mone...
by Dottie57
Fri Jan 18, 2019 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Just missed a few days of gains rolling over 401K from Fidelity to Vanguard
Replies: 59
Views: 1609

Re: Just missed a few days of gains rolling over 401K from Fidelity to Vanguard

OP, was it not possible to transfer assets in kind? My experience shows that employer-sponsored retirement accounts can never be transferred in kind - even from Fidelity to Fidelity. At this point any exceptions would only prove the rule for me. This is my situation. Fidelity 401k and Ira. Rollover...
by Dottie57
Fri Jan 18, 2019 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Wife's 401k investment options are bad...options?
Replies: 11
Views: 448

Re: Wife's 401k investment options are bad...options?

Go with the Target Datefund from American Funds. AF is a well run company with Hier ERs. Max out the 401k -if only for tax break. You will be happy you did down the line.
by Dottie57
Thu Jan 17, 2019 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Should I increase my stock allocation to 90% stocks?
Replies: 59
Views: 4058

Re: Should I increase my stock allocation to 90% stocks?

Is your FI number too high or unrealistic? Is your timeframe fo FI realistic?

Why take risks when they are not needed? A very high FI number may bea want not a need.
by Dottie57
Thu Jan 17, 2019 8:06 pm
Forum: Investing - Theory, News & General
Topic: John C Bogle - donation to center for financial literacy
Replies: 3
Views: 610

John C Bogle - donation to center for financial literacy

I plan to donate to the John C Bogle Center for Financial Literacy in honor of Mr. Bogle.

At the bottom of the linked page you will find information on donations.


https://boglecenter.net
by Dottie57
Thu Jan 17, 2019 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: How long until we see negative ER funds?
Replies: 39
Views: 2513

Re: How long until we see negative ER funds?

In a sustainable way. Never. There is always an expense whether you pay it or not. Unless the lending income exceeds the expense, but doesn't that increase your investment risk? I suspect, but have no proof, Fidelity is losing money like a loss leader on their Zero Funds. Unless they make so much f...
by Dottie57
Thu Jan 17, 2019 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Lobbying to modify 401k plan to allow for after-tax contributions and in-service rollover to Roth
Replies: 9
Views: 600

Re: Lobbying to modify 401k plan to allow for after-tax contributions and in-service rollover to Roth

I would focus on an educational. Presentation from someone in financial world. Phone conference with Vanguard employee? Gift employees a copy of Mr. Bogles first Book on investing from employer.
by Dottie57
Thu Jan 17, 2019 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell some bonds in 401k and buy bonds in taxable?
Replies: 2
Views: 221

Re: Should I sell some bonds in 401k and buy bonds in taxable?

When I have a want fr money that retains its face value, I generally put it in CDs. Or maybe purchase t-bills. My intermediate bond funds have gone down in 2018. Make sure you have the money when you need it.
by Dottie57
Wed Jan 16, 2019 7:43 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 844
Views: 42973

Re: John Bogle is dead at 89

Rest In Peace.

And thank you.
by Dottie57
Wed Jan 16, 2019 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: New Member- Help with Portfolio
Replies: 10
Views: 778

Re: New Member- Help with Portfolio

+1 on Duckie’s recommendation.
by Dottie57
Wed Jan 16, 2019 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford (really)?
Replies: 129
Views: 7056

Re: How much house can I afford (really)?

Op, Start putting 15% into your 401k. Save more. You have a great job and income - put more of it to work FOR you. Both you and wife should put 15% in 401k and max your Roth IRAs. After that , maybe look for a different place. I am, however, of the belief that more House means much higher expenses -...
by Dottie57
Tue Jan 15, 2019 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: A co-worker makes more than me
Replies: 77
Views: 6561

Re: A co-worker makes more than me

When you talk to your management do not be angry, but friendly and knowledgeable. I Was in a position in the early 2000s where my male co-workers were making 70k plus while I made 60k. A nearly 20% difference. I was doing the same work (stress testing a web application) for months on end. Talking ab...
by Dottie57
Tue Jan 15, 2019 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Super Aggressive MF or ETFs?
Replies: 20
Views: 1099

Re: Super Aggressive MF or ETFs?

In general, Bogleheads are not the "super aggressive" type... :happy In general, +1 Please realize that taking risk is not always rewarded. Not me, I'm pretty aggressive. The difference is understanding risks that come with a premium and those that don't. Going small cap takes on increased risk and...
by Dottie57
Tue Jan 15, 2019 8:35 pm
Forum: Investing - Theory, News & General
Topic: Are mega back door Roth contributions considered contributions?
Replies: 87
Views: 2924

Re: Are mega back door Roth contributions considered contributions?

Just to state again Mega back door Roth 1. Starts with an after tax contribution to Traditional 401k. 2. Execution of a rollover of the post tax contribution to an empty traditional IRA. 3. Immediate conversion the traditional Ira to Roth IRA. There should be 0 or very little gain if done immediate...
by Dottie57
Tue Jan 15, 2019 8:21 pm
Forum: Investing - Theory, News & General
Topic: Are mega back door Roth contributions considered contributions?
Replies: 87
Views: 2924

Re: Are mega back door Roth contributions considered contributions?

Just to state again Mega back door Roth 1. Starts with an after tax contribution to Traditional 401k. 2. Execution of a rollover of the post tax contribution to an empty traditional IRA. 3. Immediate conversion the traditional Ira to Roth IRA. There should be 0 or very little gain if done immediatel...
by Dottie57
Tue Jan 15, 2019 6:24 pm
Forum: Personal Consumer Issues
Topic: School staff threatened to call social worker
Replies: 54
Views: 2742

Re: School staff threatened to call social worker

Perhaps OP is going back for spring festival, which happens once a year. I don't have kids. But it seems to me that the value of experiencing another country considerably exceeds the value of attending school. I think I would be tempted to go ahead with the plans and let the chips fall where they m...
by Dottie57
Tue Jan 15, 2019 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Super Aggressive MF or ETFs?
Replies: 20
Views: 1099

Re: Super Aggressive MF or ETFs?

David Jay wrote:
Tue Jan 15, 2019 4:15 pm
In general, Bogleheads are not the "super aggressive" type... :happy
In general, +1

Please realize that taking risk is not always rewarded.
by Dottie57
Tue Jan 15, 2019 4:14 pm
Forum: Investing - Theory, News & General
Topic: An Annuity Hater Revisits SPIAs
Replies: 22
Views: 2861

Re: An Annuity Hater Revisits SPIAs

I know I would like to be able to purchase an SPIA which would produce a better base amount when combined with SS.
by Dottie57
Tue Jan 15, 2019 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Screwed myself on salary negotiations, how do I get past this?
Replies: 25
Views: 2575

Re: Screwed myself on salary negotiations, how do I get past this?

Litfury wrote:
Tue Jan 15, 2019 12:53 pm
I would do backflips to take a job I enjoyed for a 10% pay cut. No exaggeration at all. I hate my job.
Me too.
by Dottie57
Tue Jan 15, 2019 3:07 pm
Forum: Personal Consumer Issues
Topic: Any good reason to get a smartwatch?
Replies: 93
Views: 3880

Re: Any good reason to get a smartwatch?

I would buy an Apple Watch 4 if Cricket would support it and link to phone. I like the fitness aspects. Also really would like heart related functionality since heart problems run in my dad’s family.
by Dottie57
Tue Jan 15, 2019 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement accounts maxed out, what to do with extra cash?
Replies: 32
Views: 2043

Re: Retirement accounts maxed out, what to do with extra cash?

Having your mortgae paid off n retirement makes everything better.
by Dottie57
Mon Jan 14, 2019 11:58 pm
Forum: Investing - Theory, News & General
Topic: Understanding leverage with call options and futures (LEAPS)
Replies: 7
Views: 655

Re: Understanding leverage with call options and futures (LEAPS)

Three to four Funds here. I don’t Think I am deep in the leap.
by Dottie57
Mon Jan 14, 2019 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone received their 2019 CP01A (IP PIN) from IRS?
Replies: 21
Views: 2690

Re: Has anyone received their 2019 CP01A (IP PIN) from IRS?

Thanks for mentioning it. Now I know about it.
by Dottie57
Mon Jan 14, 2019 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone received their 2019 CP01A (IP PIN) from IRS?
Replies: 21
Views: 2690

Re: Has anyone received their 2019 CP01A (IP PIN) from IRS?

Thanks for mentioning it. Now I know about it.
by Dottie57
Mon Jan 14, 2019 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone ever filed an unpaid wage claim against employer?
Replies: 7
Views: 967

Re: Anyone ever filed an unpaid wage claim against employer?

I tried. Former employer had me on a salary plusa a profit bonus. I gave notice..about a month as i recall. paid out my salary but no bonus. I did notice that many many truck & trailers got new tires during my notice period. I suspect the owner was spending my bonus on truck repairs. Called the Lab...
by Dottie57
Mon Jan 14, 2019 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Need tips!
Replies: 17
Views: 1701

Re: Need tips!

Richard32 wrote:
Mon Jan 14, 2019 9:09 pm
Well no one is commenting

I just change my 401k to 85% S&p index and 15 % small cap fubds
I would add a third. The government and high quality bond.

75% S&P 500
15%. Small cap
10% bonds.


Roth IRA

100% fidelity freedom INDEX fund. (Target date appropriate).
by Dottie57
Mon Jan 14, 2019 7:03 pm
Forum: Personal Consumer Issues
Topic: Bogleheads Drink Up! [Bogle Vineyards Wine]
Replies: 32
Views: 8740

Re: Bogleheads Drink Up! [Bogle Vineyards Wine]

I’ve had several types of Bogle wine. All very drinkable.
Nicolas wrote:
Mon Jan 14, 2019 6:47 pm
I like the cab. I can get it for $7.99 a bottle here. I’m going to buy a case.
by Dottie57
Mon Jan 14, 2019 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Another Home Affordability Thread
Replies: 31
Views: 3594

Re: Another Home Affordability Thread

Dollarbillz Congratulations on your careers and your accumulation of assets. As I do with a number of posts, l ll give you my feelings based on my past history. I worked at modestly paid jobs until I finished my education at age 30. I then began a career job which allowed me to increase my earnings...
by Dottie57
Mon Jan 14, 2019 11:50 am
Forum: Personal Consumer Issues
Topic: UPDATE-Best way to heat basement?
Replies: 20
Views: 2216

Re: Best way to heat basement?

My parents used a space heater which worked well. Only on when adults downstairs.

My brother and his wife heat their 3 se a son porch in winter with a permanent gas fireplace/stove. It is great.
by Dottie57
Mon Jan 14, 2019 11:41 am
Forum: Investing - Help with Personal Investments
Topic: One book for my neice, a young mom.
Replies: 20
Views: 1192

Re: One book for my neice, a young mom.

My niece: a/34, married, f/t mother & RN, three children, husband employed 75K w/benefits. Recently purchased their home and now asks for investment advice. I've conveyed the principles of this forum and I would like to provide one simple book. I would appreciate your suggestions of such a book, wr...
by Dottie57
Sun Jan 13, 2019 9:52 pm
Forum: Personal Consumer Issues
Topic: How do I stop jeans from ripping in the thighs?
Replies: 70
Views: 4296

Re: How do I stop jeans from ripping in the thighs?

Halicar wrote:
Sun Jan 13, 2019 2:31 pm
I'll put this as tactfully as I can: if your thighs are rubbing together enough to damage jeans like this, you may benefit from losing some weight...
Or a style with wider legs.
by Dottie57
Sun Jan 13, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: [Peter Jackson’s “They shall not grow old” - now showing Jan 21]
Replies: 52
Views: 6622

Re: Encore performance Jan. 21: Peter Jackson’s “They shall not grow old”

Thank you for the info. I am gping to try to see it. My grandfather was a soldier in World War 1.
by Dottie57
Sat Jan 12, 2019 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: New job, sales at Subaru
Replies: 62
Views: 7690

Re: New job, sales at Subaru

Don't drive potential customers crazy with follow up call after follow up call. I ended up buying my car from a sales woman who made little attempt to 'sell' me on a car. Rather just showed me around and answered questions if I had any. The rest of the time was spent just conversing over small-talk...
by Dottie57
Sat Jan 12, 2019 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Where do I hold $250K?
Replies: 15
Views: 2495

Re: Where do I hold $250K?

DanMahowny wrote:
Wed Jul 04, 2018 7:40 pm
I'd ladder T-bills.
+1
by Dottie57
Fri Jan 11, 2019 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: Biggest Investment Mistake
Replies: 164
Views: 11193

Re: Biggest Investment Mistake

1. Didn’t believe I could manage my IRA by myself. Multiple FAs sold me front loaded funds.
2. Should have started ROTH earlier than 2012. Same with taxable.