Search found 3345 matches

by Dottie57
Sun Jun 17, 2018 8:30 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 11
Views: 710

Re: how to make friends in new location?

Does you wife work outside the home? Meeting people there will help - for the socialization.

Crafting groups? Photography? Gardening club. Volunteer at the library. If there are lakes around, there may be sailing groups. Nature center volunteer? Birding?
by Dottie57
Sun Jun 17, 2018 8:05 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 69
Views: 2415

Re: Which Supermarket are you?

Local chain a mile from me. Sometimes whole foods. I intend to look in at Aldi’s soon. And of course the local farmers market. I live in an inner ring suburb and have many options. I shop for convenience and great looking produce. I am single, not mch storage somCostco is out. Walmart is not my cup ...
by Dottie57
Sun Jun 17, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: Cosmetic Question about teeth
Replies: 8
Views: 870

Re: Cosmetic Question about teeth

I have a friend whose enamel was ruined by whitening. Go to a professional to get whitening.

She ened up getting porcelain fronts to her front teeth (cemented on).
by Dottie57
Sun Jun 17, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 37
Views: 1768

Re: How much (green) cash at home for emergency ?

UpperNwGuy wrote:
Sun Jun 17, 2018 5:35 pm
I keep from $100 to $400 in cash. When the amount drops below $100, I replenish it with $300 from the ATM, and that's about once every six weeks. I can't think why I would need more cash, even in an emergency. I rarely use cash.
This s pretty much what I do.
by Dottie57
Sun Jun 17, 2018 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Role of Annuity For Savers Who have 20+ years until Retirement
Replies: 33
Views: 1987

Re: Role of Annuity For Savers Who have 20+ years until Retirement

So many comments and all of them wrong. 1) The one-time commission is 4% to 5% depending on age. Since the annuity is intended to produce a lifetime income, this typically works out to an equivalent charge of 0.20%-0.35% a year - much less expensive than any investment advisor fees. 2) The annuity ...
by Dottie57
Sun Jun 17, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: Has Anyone Tried Youtube TV?
Replies: 22
Views: 1296

Re: Has Anyone Tried Youtube TV?

retiredbuthappy wrote:
Sun Jun 17, 2018 3:07 pm
No one has mentioned PBS. Nova, Nature, Newshour have been important to us besides MSNBC and CNN. Seems there's no solution to keeping cable?
RbH
I want those too.
by Dottie57
Sun Jun 17, 2018 3:07 pm
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 18
Views: 1121

Re: Very confused with the current market

Tycoon wrote:
Sun Jun 17, 2018 3:01 pm
capcase wrote:
Sun Jun 17, 2018 2:57 pm
It is the law of capital ism: sheep shearing

If everyone makes money, the market won't survive.
What?
Ditto.
by Dottie57
Sun Jun 17, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Lost job. Take early SS or draw from accounts?
Replies: 33
Views: 3191

Re: Lost job. Take early SS or draw from accounts?

The company where my friend works is going out of business. She will look for a new job, but based on her age and lack of mobility (barely ambulatory with a walker), I think she will have difficulties. She is not eligible for disability but is eligible for unemployment at $405/week for 26 weeks. Ag...
by Dottie57
Sun Jun 17, 2018 9:08 am
Forum: Investing - Theory, News & General
Topic: Why is risk adjusted return important?
Replies: 35
Views: 2389

Re: Why is risk adjusted return important?

Really basic question here. How do you determine the risk adjustedreturn of a fund? P.S. inestopedia gives the following. https://www.investopedia.com/terms/r/riskadjustedreturn.asp Possibly this method is corresponds best to the idea of "What return would I have if the risk were the same as someth...
by Dottie57
Sun Jun 17, 2018 8:48 am
Forum: Investing - Theory, News & General
Topic: Why is risk adjusted return important?
Replies: 35
Views: 2389

Re: Why is risk adjusted return important?

8-) n:sharebeer j You have, or should have, some idea of how much risk you are willing to take. There ought to be some limit. Risk should be factoring into your decision in some way. Surely, you would not invest in a stock market fund with a fluctuating return averaging 10%, if you could get riskles...
by Dottie57
Sun Jun 17, 2018 7:51 am
Forum: Investing - Help with Personal Investments
Topic: Can we afford to drop our 401k contributions to pay for college?
Replies: 17
Views: 1655

Re: Can we afford to drop our 401k contributions to pay for college?

Just looking at the thread title and not the issue of work stoppage: We had my spouse borrow from her 401(k) and used the money to contribute to a 529 plan. The 401(k) loan was a good deal and kept the 401(k) "space" available. I suppose that one could borrow from one spouse's 401(k) in order to co...
by Dottie57
Sat Jun 16, 2018 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Take a job with a company being acquired?
Replies: 12
Views: 890

Re: Take a job with a company being acquired?

I wouldn’t take it. The company I worked for bought a larger competitor. Merger politics continued for 10 years. Many, many people from the acquired company were let go. Be careful.
by Dottie57
Sat Jun 16, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 135
Views: 13324

Re: Should I take possession of a certified mail?

In an amazing coincidence, I happened to be at the post office when OP went to collect his certified mail yesterday. He didn't have time to post, but it turns out the contractor sent him an invitation to the prosperity club through certified mail. Yes, the classic chain letter from 1935! It turns o...
by Dottie57
Sat Jun 16, 2018 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Reset - Best Strategy to (Re)Organize?
Replies: 6
Views: 878

Re: Retirement Reset - Best Strategy to (Re)Organize?

@livesoft Boom! Done. Love it. ;) Am not familiar with that fund, so will look into it. One key component I want to add, though, is a non-tax-advantaged account to help me cover costs if I can (I hope) retire before I'm of age to tap into my retirement accounts. Sounds like the fund you mentioned w...
by Dottie57
Fri Jun 15, 2018 9:12 pm
Forum: Personal Consumer Issues
Topic: Chipmunk problem
Replies: 26
Views: 1757

Re: Chipmunk problem

I just bought the Havahart trap a few days ago. So far the chipmunks have eaten the peanut butter and escaped four times, even though the trap was set off. Not sure how this is happening. My wife is keeping score and so far CHIPMUNKS - 4, MUNEMAKER - 0. I am about to lose my heart and go for the "c...
by Dottie57
Fri Jun 15, 2018 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: $75,000 bonus - help me with my plan
Replies: 20
Views: 2220

Re: $75,000 bonus - help me with my plan

Still don’t understand why the lower interest rate loan is being suggested as the first priority. Isn’t mortgage interest deductible too whereas auto interest is non-deductible? mortgage interest only deductible to the extent that itemized deductions exceed the standard deduction which is now $24,0...
by Dottie57
Fri Jun 15, 2018 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: Personal finance HELP
Replies: 19
Views: 1171

Re: Personal finance HELP

Big5 wrote:
Fri Jun 15, 2018 7:27 pm
BAH sorry mistype. medi-SHARE
So it is a faith based plan of some sort?
by Dottie57
Fri Jun 15, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 173
Views: 13788

Re: Life in retirement - what did you do today?

Nursing a summer cold today. Working on a spreadsheet of investments. Want to learn more about spreadsheets. Earlier this week: I’ve become my mom’s Uber driver. So there was a medical appt earlier in the week Afterward we went to a local garden store which has a cafe and had lunch. Since there is a...
by Dottie57
Fri Jun 15, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: Too much house vs. just enough
Replies: 38
Views: 3254

Re: Too much house vs. just enough

We have a 4 bedroom and we love having the space. We have a son and daughter so they can each have their own room, and no one gets displaced when my parents visit. It doubles as a home office and may soon House my FIL full time. It has given us so much flexibility. FIL/MIL is the best reason to hav...
by Dottie57
Fri Jun 15, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Job in MA, live in MA, RI, or CT?
Replies: 66
Views: 2419

Re: Job in MA, live in MA, RI, or CT?

HueyLD wrote:
Fri Jun 15, 2018 12:18 pm
B4Xt3r wrote:
Fri Jun 15, 2018 11:35 am
I find little value in the services that government offers and thus wish to keep the most of my paycheck as I can.
What does that mean? Could you please elaborate?

+1
by Dottie57
Fri Jun 15, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 41
Views: 3833

Re: Apple MacBook Air On Sale $699

There have been several questions about new computers on here recently and I found this great deal today. Not sure if its just for the day but the savings is decent for a computer that is supposed to last a while (I hope!...it'll be my first Mac :) https://www.bestbuy.com/site/apple-macbook-air-13-...
by Dottie57
Fri Jun 15, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: A great father's day gift
Replies: 19
Views: 3347

Re: A great father's day gift

Slightly different view. My parents never had explicit talks with us kids. However they did talk finances / bills over the dinner table. We learned from example. My only point is that kids absorb life lessons in many ways.

OP - happy father’s day. You did your work well!
by Dottie57
Thu Jun 14, 2018 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Managed Payout Fund
Replies: 29
Views: 2337

Re: Vanguard Managed Payout Fund

Sandtrap wrote:
Thu Jun 14, 2018 7:33 pm
If you are seriously considering the Vanguard Managed Payout Fund, also look into SPIA's at "ImmediateAnnuity.com" to compare rates. This gives a different perspective.
j
+1
by Dottie57
Thu Jun 14, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 3471

Re: Non-alcoholic drinks for wedding

Perhaps something along these lines?: https://www.southernplate.com/wedding-anniversary-punch/ Or a make-your-own rootbeer float station, with various brands of the soda and some differing icecream selections, might be good fun. In my grandparents' non-alcoholic household, the usual New Year's Eve ...
by Dottie57
Wed Jun 13, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: Learning how to fix/repair things
Replies: 28
Views: 1966

Re: Learning how to fix/repair things

WhyNotUs wrote:
Wed Jun 13, 2018 4:09 pm
Youtube is better than most books. Look for better production quality and good comments to streamline selection.
Youtube plus the books works for me..
by Dottie57
Wed Jun 13, 2018 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: How to save $ switching from Ed Jones?
Replies: 14
Views: 714

Re: How to save $ switching from Ed Jones?

Hi all, Im currently in the process of moving my ROTH from Edward Jones to Vanguard. It was fairly easy for me to figure out the cost savings involved with doing this because of the annual fee difference. What I'm struggling with now is what to do with my EJ brokerage account. I currently have the ...
by Dottie57
Wed Jun 13, 2018 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: [Looking for ways to reduce taxes and keep more of my income]
Replies: 91
Views: 8432

Re: Getting killed on taxes - any ideas?

[snip...] I feel no hostility or jealousy and don’t think that you’re “humble bragging.” Heck, I might be one of those that JBTX is referring to posting about 7 digit incomes, except that I’m factual: neither humble nor bragging. As he "factually" mentions his 7 digit income in someone else's threa...
by Dottie57
Tue Jun 12, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: Chipmunk Repellent?
Replies: 36
Views: 2352

Re: Chipmunk Repellent?

My mom feeds the chipmunk in the morning every day. He gets two peanuts in the shell. One for each cheek.
by Dottie57
Tue Jun 12, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: Anyone with a paid off house drop homeowners insurance
Replies: 78
Views: 5325

Re: Anyone with a paid off house drop homeowners insurance

Think of it as a 0.3% expense ratio -- assuming your liability is no more than the value of the house. If like me, you carry more liability than the value of the house, that ER goes down. Is the risk of a loss that equals 240K (minus deductible) less than 0.3%? If you can find the real risk, then y...
by Dottie57
Tue Jun 12, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 178
Views: 35815

Re: Bogleheads, tell me about your 40's?

Colorado13 wrote:
Fri Nov 14, 2014 8:54 pm
Wishing you all the best Crimson. I'm sorry to hear about your DW. Cancer sucks.

+1
by Dottie57
Mon Jun 11, 2018 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Help for my Mom - She's 86
Replies: 10
Views: 850

Re: Investing Help for my Mom - She's 86

Continue with your father’s method, but maybe create a 3 or 5 year CD ladder. She has $700,000 in assets and more income than she needs to meet her basic expenses. If she needs to dip into her CDs, it would most likely to be to pay for assisted living or nursing care. There is no need to put any of...
by Dottie57
Mon Jun 11, 2018 3:37 pm
Forum: Investing - Theory, News & General
Topic: Interesting video from Ramsey today [How Ramsey Outperforms The Stock Market]
Replies: 121
Views: 8568

Re: Interesting video from Ramsey today

JoMoney wrote:
Mon Jun 11, 2018 2:01 pm
I like the bit between 4:32 - 4:46
:D
He sounds like a bully during the first part starting around 4:30.
by Dottie57
Mon Jun 11, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: 2018 RAV 4 or Camry
Replies: 28
Views: 1848

Re: 2018 RAV 4 or Camry

We are in the market for a new car because the 15 year old Buick Le Sabre my dh drove died. He is quite upset about this and is having trouble deciding which car to buy. We are both retired and this car will be our main car. He is tall (6' with long legs) but I am short (almost 5'3"). The Camry is ...
by Dottie57
Mon Jun 11, 2018 6:40 am
Forum: Investing - Theory, News & General
Topic: The Power of Working Longer
Replies: 97
Views: 12689

Re: The Power of Working Longer

I'm still really struggling with the fact noone has pointed out that basic math does not work in their favor. 6 months of extra work ≠ saving 1 % for 30 years. How am I the only one to poi t this out? Only thing I can figure out is Expenses 5000 a month * 6 months = $30,000. (Less taken from 401k) ...
by Dottie57
Mon Jun 11, 2018 6:03 am
Forum: Investing - Theory, News & General
Topic: Indexing will fail investors in next decade
Replies: 57
Views: 8782

Re: Indexing will fail investors in next decade

First time I've ever seen somebody recommend investing in water. Not sure how I would do that. Do I need my own water tower or can I pay a reservoir to store some for me. Who knows; it's not like that stuff just falls from the sky for free. Dr Mark Burry - at the end of movie “The Big Short” was sa...
by Dottie57
Sun Jun 10, 2018 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Allowance [Giving allowance to child]
Replies: 28
Views: 2120

Re: Allowance

Some people like allowances, but they don't teach much. The most basic money lessons are hard work to earn income and then creating a budget to live within that income. Receiving money for doing nothing, when you have zero expenses, doesn't reflect that. Maybe, an allowance teaches kids what's it l...
by Dottie57
Sun Jun 10, 2018 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall advice for an overwhelmed person
Replies: 76
Views: 5979

Re: Is Bogleheads not right for me? Trying to generate monthly income before retirement

If you insist on using a loan against your securities, you could get a lower rate than what you are proposing with a simple margin loan, but I wouldn't advise you to do that. It seems that you want to gamble with your windfall and pay interest in order to do so. Don't be your own worst enemy when i...
by Dottie57
Sun Jun 10, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Confused by Two DinkyTown Calculators
Replies: 8
Views: 1218

Re: Confused by Two DinkyTown Calculators

The second one looks wrong. I put in 30 r retirement, My amount saved , current savings and an amount equal to 4% of withdrawl. I expected it would tell me greater than 14 years before money would be exhausted. P.s. the growth rate was set to 4% real. The first calculator gave me an amount which man...
by Dottie57
Sun Jun 10, 2018 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 434
Views: 97087

Re: Anyone regret paying off mortgage early?

One of the best days of my life. Am very happy to have paid it off. Love the cash flow after pay off.
by Dottie57
Sun Jun 10, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: What commuter car provides the best long term financial value?
Replies: 84
Views: 6487

Re: What commuter car provides the best long term financial value?

I don't know where the OP resides, but it might be worth considering the following if a purchase is happening soon: My wife recently bought a new 2017 Prius Prime Premium model (the middle trim level of the plug-in Prius). The dealer pricing looks like this in MA: $30,000 MSRP + destination + a few...
by Dottie57
Thu Jun 07, 2018 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Fixed Income investments too conservative?
Replies: 59
Views: 3669

Re: Fixed Income investments too conservative?

galeno wrote:
Thu Jun 07, 2018 10:12 am
What a complicated mess of a portfolio!

Try this 3 fund 30/70 porfolio:

30% TWSM + 40% TBM + 20% TIPS + 5% CASH

Simpler. Better. Cheaper.
+1
by Dottie57
Thu Jun 07, 2018 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Fixed Income investments too conservative?
Replies: 59
Views: 3669

Re: Fixed Income investments too conservative?

Only use tradable Funds.

One stock fund.

One regular total bond fund

One tips fund.

Get rid of the advisor.

Increase stock by 5 - 10 % If more return is desired.

Good luck!
by Dottie57
Wed Jun 06, 2018 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Guidance About New Spouse's IRS Issues
Replies: 61
Views: 5422

Re: Guidance About New Spouse's IRS Issues

Just wanted to post an update since we've made it through to the other side. We wound up paying off the IRS to the tune of around $150k via a home refinance (home appreciated significantly over the course of 2 years). Thankfully, with everything else we've done during that time, we've more than dou...
by Dottie57
Wed Jun 06, 2018 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Guidance About New Spouse's IRS Issues
Replies: 61
Views: 5422

Re: Guidance About New Spouse's IRS Issues

Just wanted to post an update since we've made it through to the other side. We wound up paying off the IRS to the tune of around $150k via a home refinance (home appreciated significantly over the course of 2 years). Thankfully, with everything else we've done during that time, we've more than dou...
by Dottie57
Wed Jun 06, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 401k And W-8BEN
Replies: 13
Views: 996

Re: Fidelity 401k And W-8BEN

A link to the US IRS form

https://www.irs.gov/pub/irs-pdf/fw8ben.pdf

I think OP needs to talk to a supervisor or higher level mgmt. perhaps an advisor could help if OP has one.
by Dottie57
Wed Jun 06, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Upgrade to SSD for 5-year old desktop?
Replies: 64
Views: 3335

Re: Upgrade to SSD for 5-year old desktop?

I would upgrade to SSD. I would also look at memory.

The difference in speed between SSD and hard drive is enormous.
by Dottie57
Wed Jun 06, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 63
Views: 4271

Re: "Open Social Security" calculator: feature requests, bug reports, etc

I am using a Safari MacBook Air which is about 3 yrs old. It is running Nac OS X 10.13.1 . Safari preferences have not been modified. No extensions applied.

Open Social Security worked just fine.

On my iPad it worked well too.
by Dottie57
Wed Jun 06, 2018 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 63
Views: 4271

Re: "Open Social Security" calculator: feature requests, bug reports, etc

I would want to know how taxable income impacts SS taxability. This may be #1, but am not sure.
by Dottie57
Tue Jun 05, 2018 10:00 pm
Forum: Personal Consumer Issues
Topic: Severance Package Question
Replies: 50
Views: 4241

Re: Severance Package Question

Yossarian wrote:
Tue Jun 05, 2018 8:39 pm
Sorry for the loss of your job. Not ever having been at your level or in that kind of position, I have to ask why you think you can negotiate the offer? You have no leverage that I see from your post.

+1
by Dottie57
Tue Jun 05, 2018 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: HRA vs HSA ???
Replies: 7
Views: 557

Re: HRA vs HSA ???

HSA without any doubt. It's fully portable when you lose your job. Ie you can start an investment account with it, and keep contributing to it at your new job if you switch employers. Think long term advantages, not short term. People always forget that. Also, do not discount the power of tax-free ...