Search found 1653 matches

by CyclingDuo
Sun Sep 23, 2018 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Emotional Investor - I'm a mess and need help!
Replies: 59
Views: 2992

Re: Emotional Investor - I'm a mess and need help!

Hello everyone. This email is long overdue from me and I finally found the guts and time to write it. I appreciate this forum and all those who spend precious time helping others with investment advice. Here's my story: I am a 40-year old physician relatively well to do with about 300k to invest a ...
by CyclingDuo
Sun Sep 23, 2018 9:52 am
Forum: Investing - Help with Personal Investments
Topic: Swiss Investor 3 Fund Portfolio
Replies: 4
Views: 275

Re: Swiss Investor 3 Fund Portfolio

I am located in Switzerland and not sure how to implement a 3 fund ETF portfolio. In particular I am not sure how to calculate the asset allocation in combination with the pension. For those unfamiliar with the swiss system, we have a pension system that consists of 3 different parts: 1. AHV: Manda...
by CyclingDuo
Sat Sep 22, 2018 10:38 am
Forum: Investing - Theory, News & General
Topic: Time periods for personal investment
Replies: 25
Views: 1558

Re: Time periods for personal investment

Few of us would invest all our emergency funds in equities. Many of us would invest half our funds in equities as we prepare early in life for our retirement. Where is the break-point for you and how do you manage to it? Not entirely sure what you mean by break-point unless you are talking about a ...
by CyclingDuo
Fri Sep 21, 2018 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Im going to die somewhere between Bankruptcy and $20 million
Replies: 35
Views: 6636

Re: Im going to die somewhere between Bankruptcy and $20 million

Inputs.... Age: 33 Current Savings: 750k Annual Savings: 58k Retirement Withdrawal: 60k Retire at 55 50/50 Allocation I made Stocks and Bonds both be -3% returns relative to their historical returns, due to all sorts of opinions that long term returns are expected to be lower than historical return...
by CyclingDuo
Fri Sep 21, 2018 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Hubby soon to be laid off
Replies: 74
Views: 7467

Re: Hubby soon to be laid off

Here’s another piece of info I forgot to mention in original post. Our house is a Victorian 2 Family close to Boston that we aren’t currently renting; however, we could very easily. The apartment would easily rent for $1600/month. Our plan was to rent it out in retirement as another income stream. ...
by CyclingDuo
Thu Sep 20, 2018 10:14 am
Forum: Personal Finance (Not Investing)
Topic: TIAA financial advisor?
Replies: 65
Views: 9650

Re: TIAA financial advisor?

When I do talk to a TIAA rep, it will probably be to discuss their immediate annuity options, of which there are many. Yes, they have some wonderful options for annuities. One of my good friends/colleague retired two years ago and took advantage of one of the annuities to build an additional leg to...
by CyclingDuo
Thu Sep 20, 2018 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Can I really retire? Please check my math and poke holes.
Replies: 48
Views: 5646

Re: Can I really retire? Please check my math and poke holes.

This is a GREAT video. Thanks for sharing. I will say, however, that: 1) the Q&A is critical Yup! 2) because it reveals that the heart of their finding is about the power of deferring SS (and to a less extent annuitization), as they are forced somewhat sheepishly to admit. We thought it was appropr...
by CyclingDuo
Thu Sep 20, 2018 7:36 am
Forum: Personal Finance (Not Investing)
Topic: TIAA financial advisor?
Replies: 65
Views: 9650

Re: TIAA financial advisor?

"CFA"? Thats what the rep said but I'll find out more in a couple of days. Our meeting is tomorrow - so we can give you a summary if you're interested. (First time meeting with the TIAA "free" service.) Be wary - most free services come with a sales pitch. :mrgreen: It was 20 months ago and couldn'...
by CyclingDuo
Wed Sep 19, 2018 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Can I really retire? Please check my math and poke holes.
Replies: 48
Views: 5646

Re: Can I really retire? Please check my math and poke holes.

I tried https://www.firecalc.com/ and https://www.i-orp.com/LumpSum/index.html They both have me being right on the edge. The back of the envelope, and TIAA also have me being right on the edge. I think perhaps I'm ready to fall off the edge, and hope things work out. I have not tried the Fidelity ...
by CyclingDuo
Wed Sep 19, 2018 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity-Very Negative Experience with Inheritance Services
Replies: 7
Views: 1938

Re: Fidelity-Very Negative Experience with Inheritance Services

I bring this up to make Fidelity account holders aware that if they have beneficiaries listed, and own individual securities, it may not be as easy as one might think for your beneficiaries to provide the guidance Fidelity requires. Fidelity will not assist. Fidelity’s advisors were not helpful, bo...
by CyclingDuo
Wed Sep 19, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: $180 IPhone SE or $90 Iphone 5S
Replies: 33
Views: 2177

Re: $180 IPhone SE or $90 Iphone 5S

There is always the iPhone upgrade program where you get a new phone every year to stay cutting edge. :beer https://www.apple.com/shop/iphone/iphone-upgrade-program Apple has the GiveBack program where you can trade in an older phone for some value as long as it is working and in good shape. https:...
by CyclingDuo
Wed Sep 19, 2018 8:29 am
Forum: Investing - Theory, News & General
Topic: Why do we expect TSM to keep growing?
Replies: 68
Views: 7244

Re: Why do we expect TSM to keep growing?

chase_logi wrote:
Wed Sep 12, 2018 4:11 pm
Any other thoughts or comments?
Image
https://slideplayer.com/slide/11948848/

This graphic says what the words above say...

Image
by CyclingDuo
Tue Sep 18, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: $180 IPhone SE or $90 Iphone 5S
Replies: 33
Views: 2177

Re: $180 IPhone SE or $90 Iphone 5S

Apparently I’m not the only one annoyed that the SE-sized iPhones are likely to be phased out. I find the size of the 7s and up to be both harder to use in my smallish hands and much less comfortable in front pant or shirt pocket. SE, 6, 6S and the X were all discontinued as of last Wednesday, Sept...
by CyclingDuo
Tue Sep 18, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: $180 IPhone SE or $90 Iphone 5S
Replies: 33
Views: 2177

Re: $180 IPhone SE or $90 Iphone 5S

Apparently I’m not the only one annoyed that the SE-sized iPhones are likely to be phased out. I find the size of the 7s and up to be both harder to use in my smallish hands and much less comfortable in front pant or shirt pocket. SE, 6, 6S and the X were all discontinued as of last Wednesday, Sept...
by CyclingDuo
Tue Sep 18, 2018 12:39 pm
Forum: Investing - Theory, News & General
Topic: How can I buy ALIBABA and TENCENT stock?
Replies: 29
Views: 2528

Re: How can I buy ALIBABA and TENCENT stock?

How can I buy ALIBABA and TENCENT stock directly? I know for sure I'm not the only one interested in doing this. I want to DCA into these stocks over the next 5-10 years. Not going in whole hog with STAB vs. FANG? Sina (SINA) Tencent (TCEHY) Alibaba (BABA) Baidu (BIDU) I invest in VTSAX, but if you...
by CyclingDuo
Tue Sep 18, 2018 11:44 am
Forum: Investing - Theory, News & General
Topic: How can I buy ALIBABA and TENCENT stock?
Replies: 29
Views: 2528

Re: How can I buy ALIBABA and TENCENT stock?

How can I buy ALIBABA and TENCENT stock directly? I know for sure I'm not the only one interested in doing this. I want to DCA into these stocks over the next 5-10 years. Not going in whole hog with STAB vs. FANG? Sina (SINA) Tencent (TCEHY) Alibaba (BABA) Baidu (BIDU) I invest in VTSAX, but if you...
by CyclingDuo
Tue Sep 18, 2018 9:24 am
Forum: Investing - Help with Personal Investments
Topic: High employer contribution, still max 403b before taxable?
Replies: 30
Views: 1339

Re: High employer contribution, still max 403b before taxable?

Couple thoughts... 1. I'd definitely max out your $18,500 pre-tax 403b contributions before ramping up taxable, unless you had a large need for cash coming up soon. 2. To open up future backdoor roth contributions could you do a Roth Conversion of your current tIRA? 3. If it's not practical or you ...
by CyclingDuo
Tue Sep 18, 2018 9:10 am
Forum: Investing - Help with Personal Investments
Topic: High employer contribution, still max 403b before taxable?
Replies: 30
Views: 1339

Re: High employer contribution, still max 403b before taxable?

If you max out your 403b this year (still have 4 months to do this), and your wife is maxing out her 401k as pre-tax salary deductions for a total of $37K - will your MAGI be below $189K? Unfortunately (but not ungratefully), nope. That's what I figured based on your post, but thought it was worth ...
by CyclingDuo
Tue Sep 18, 2018 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Employer/Plan Limit on 401K Contributions
Replies: 10
Views: 505

Re: Employer/Plan Limit on 401K Contributions

I discovered my SO employer has a contribution limit of 25% per pay period. With that limit, she is about $1500 under the IRS yearly limit of $18,500. Is this normal for a plan to impose limits on employees? If so, it frustrates me that an employee doesn't have the ability to max out if they so des...
by CyclingDuo
Tue Sep 18, 2018 7:31 am
Forum: Investing - Theory, News & General
Topic: Why I left Wealthfront
Replies: 40
Views: 11401

Re: Why I left Wealthfront

I recently put a few bucks into M1 finance. They've been mentioned previously on this board for lowering their management fees to 0%, and seem to geared towards buy-and-hold investors who use a fixed asset allocation. The automatic investment of newly deposited cash into funds that are under your s...
by CyclingDuo
Tue Sep 18, 2018 6:40 am
Forum: Investing - Theory, News & General
Topic: How can I buy ALIBABA and TENCENT stock?
Replies: 29
Views: 2528

Re: How can I buy ALIBABA and TENCENT stock?

WanderingDoc wrote:
Mon Sep 17, 2018 10:00 pm
How can I buy ALIBABA and TENCENT stock directly? I know for sure I'm not the only one interested in doing this. I want to DCA into these stocks over the next 5-10 years.
Not going in whole hog with STAB vs. FANG?

Sina (SINA)
Tencent (TCEHY)
Alibaba (BABA)
Baidu (BIDU)
by CyclingDuo
Mon Sep 17, 2018 9:33 am
Forum: Investing - Help with Personal Investments
Topic: 403(b) fund selections
Replies: 4
Views: 393

Re: 403(b) fund selections

Funds available in her 403(b): Comerica SDA Ttl Bond Mkt Index (???) (0.21%) <<--- This is what I selected Vanguard Inst. Index Fund; Inst Plus Share (VIIIX)(0.12%) <<--- This is what I selected Comerica SDA Mid-Small Cap Index (??)(0.21%) Comerica SDA International Equity Index (??)(0.26%) We woul...
by CyclingDuo
Mon Sep 17, 2018 9:21 am
Forum: Investing - Help with Personal Investments
Topic: High employer contribution, still max 403b before taxable?
Replies: 30
Views: 1339

Re: High employer contribution, still max 403b before taxable?

Hi all, Thanks again for all the wisdom this forum provides. My wife and I file jointly and have in the past couple years broken into new salary territory in which we can't contribute directly to Roth IRAs and are working on strategy. Our emergency savings are in good shape, about a year's worth. S...
by CyclingDuo
Mon Sep 17, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Fiancee
Replies: 108
Views: 9990

Re: Massive Student Loan Debt - Fiancee

Mon September 11, 2018 9:10 a.m. I've been dating a wonderful speech-language pathologist for about 2 years and now we're engaged. she took out massive amount of student loan debt (130k+) to pay for her graduate program and she had 25k from her undergrad. Her graduation Date is June 1, 2019 and our...
by CyclingDuo
Mon Sep 17, 2018 7:25 am
Forum: Personal Finance (Not Investing)
Topic: How did you decide when to retire?
Replies: 48
Views: 6558

Re: How did you decide when to retire?

I always planned to retire at 56 since we had good savings and my wife had a job she loved where she expected to work until at least 63. At 56 I found I still enjoyed my own job so I kept working. By age 60 my long time boss had retired and my workplace had changed considerably, so I pulled the plu...
by CyclingDuo
Sat Sep 15, 2018 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Advice - Are we doing enough/what else should we be doing?
Replies: 9
Views: 808

Re: Advice - Are we doing enough/what else should we be doing?

Thank you so much for taking the time to post a response. I'm at the point where I feel like we are doing Ok but I think we can do better and need advice/help. Before I pay for assistance, which I'm not totally opposed to, I wanted to seek some thoughts from here. With that these are some links: ht...
by CyclingDuo
Sat Sep 15, 2018 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Advice - Are we doing enough/what else should we be doing?
Replies: 9
Views: 808

Re: Advice - Are we doing enough/what else should we be doing?

Hi All- Long time ‘lurker’ first time poster. I’m finally at a time whereas I feel like I can post : - ) My fundamental question is: What (else) should we be doing? More specifically, anything else I should be investing in to maybe help with taxes? Our snapshot: Husband = 42 Wife = 43 Children = 12...
by CyclingDuo
Sat Sep 15, 2018 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Dividend Riddle
Replies: 17
Views: 1682

Re: Dividend Riddle

Maybe, maybe not. Not all companies make quarterly payments, some make semi-annual payment, some only make an annual payment and some only make what is known as a “special” payment - a one time payment not based on any specific formula but rather on board of directors discretion. What is the ticker...
by CyclingDuo
Thu Sep 13, 2018 9:18 am
Forum: Investing - Help with Personal Investments
Topic: What do I do with my investments during a downturn/recession?
Replies: 24
Views: 2768

Re: What do I do with my investments during a downturn/recession?

During a downturn you just keep contributing money to add to your position. YES! That, and fill your day and mind with other things for a few years. Doing nothing out of our norm investing wise was our best move during the financial crisis. I coached Little League, rode my bike, we contributed our ...
by CyclingDuo
Tue Sep 11, 2018 11:26 pm
Forum: Investing - Help with Personal Investments
Topic: How should I clean up and diversify my retirement investments?
Replies: 10
Views: 2015

Re: How should I clean up and diversify my retirement investments?

CalculatedRisk wrote:
Tue Sep 11, 2018 8:18 pm

Debt: $6k student loan (2% interest), $30k business loan (variable, currently 6% interest)

Annual income: $500k/year
Why not close out the debt to be done with it at your income level?
by CyclingDuo
Tue Sep 11, 2018 10:27 pm
Forum: Personal Consumer Issues
Topic: Singing/Voice Classes
Replies: 20
Views: 1325

Re: Singing/Voice Classes

Hello fellow Bglhdz, I've recently been reacquainting myself with playing the keyboard, something I used to do as a child. At the age of 4 I played all the Christmas Carrols, but right now I might as well be using my feet. This will take time. That being said, has anyone taken singing classes? If s...
by CyclingDuo
Tue Sep 11, 2018 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: M1 Finance - Starting a 3 Fund Portfolio
Replies: 5
Views: 603

Re: M1 Finance - Starting a 3 Fund Portfolio

M1 is fine, but you don't need to use M1 for a 3 or 4 fund portfolio. You can do everything at Vanguard without worry that it will get bought up and have fees added in the future. So that's the downside of M1. I'm only looking at M1 because I can just throw in money whenever I get a bonus and they ...
by CyclingDuo
Tue Sep 11, 2018 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else playing catch-up in their 40's?
Replies: 68
Views: 7152

Re: Anyone else playing catch-up in their 40's?

It seems most of the ppl here started saving diligently in their 20's or 30's....are there others here who didn't "wake up" like me until they were in their 40's or beyond? Just curious. My rough timeline playing catch-up.... 20's - 0 savings 30's - very minimal 401k savings 40's - maxing all (401k...
by CyclingDuo
Tue Sep 11, 2018 6:54 am
Forum: Investing - Help with Personal Investments
Topic: New job and some retirement planning questions...
Replies: 1
Views: 219

Re: New job and some retirement planning questions...

Kudos on the new job! Have you taken the time to look at the fees and all of the funds available to you in the 457 Deferred Comp plans through Nationwide, MassMutual, and ICMA Vantagepoint? Most advice given here at BH would be to look for the equivalent of the Three Fund Portfolio in those plans vi...
by CyclingDuo
Tue Sep 11, 2018 5:49 am
Forum: Personal Finance (Not Investing)
Topic: Laid Off, Considering Multiple Options - Which Would You Recommend?
Replies: 39
Views: 5348

Re: Laid Off, Considering Multiple Options - Which Would You Recommend?

entropy2017 wrote:
Tue Sep 11, 2018 2:07 am
Are there any options I am missing?
What about your wife's human capital? Is she trained to work in any career? Don't rule out the possibility of becoming a dual income household...
by CyclingDuo
Sun Sep 09, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 306
Views: 40016

Re: Low-earners- What is your profession?

Correct, I am a full time employee taking advantage of the employee tuition waiver at the university. My experience around universities is many grad students work full time outside of school, but many graduate assistants receive full cost of tuition and anywhere from 1k-2K a month stipend. Definite...
by CyclingDuo
Sat Sep 08, 2018 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Can you hold treasuries and/or CDs in a 401k account?
Replies: 7
Views: 619

Re: Can you hold treasuries and/or CDs in a 401k account?

Or are there regulations that prohibit it? If not, anyone do it? Is this the type of thing your employer may not allow in your 401k, even if the 401k custodian does? As mentioned above, some 401K's and some 403b's also offer a brokerage link account through Schwab, Fidelity, TIAA, etc... . Most of ...
by CyclingDuo
Sat Sep 08, 2018 9:48 am
Forum: Investing - Help with Personal Investments
Topic: windfall
Replies: 22
Views: 1963

Re: windfall

First, thank you for all the invaluable information here. Been reading for sometime with very little posting, but this one is important. I just received inheritance that will dramatically increase net worth. I know this is a perennial question here, but I am terrified of dumping all this cash into ...
by CyclingDuo
Fri Sep 07, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: I want to pry my friend away from Edward Jones
Replies: 71
Views: 7603

Re: I want to pry my friend away from Edward Jones

We all have many friends, family members, and colleagues who match your neighbor in their thinking. Most would be more than happy to engage in a discussion on the price of Direct TV vs. cable television, or a phone plan with Verizon vs. AT&T, where they get their oil changed, or how much they saved...
by CyclingDuo
Thu Sep 06, 2018 8:03 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6846
Views: 1496556

Re: U.S. stocks in freefall

Haven't you heard? We're going to go into a recession the second half of next year. You can take it to the bank.... Nice chart at MarketWatch today: https://farm2.staticflickr.com/1893/44364009251_20055175e1_o.jpg https://www.marketwatch.com/story/the-road-to-fresh-stock-market-highs-is-littered-wi...
by CyclingDuo
Wed Sep 05, 2018 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Mom had no idea she had over a mil in her Portfolio. What now?
Replies: 25
Views: 5193

Re: Mom had no idea she had over a mil in her Portfolio. What now?

Hi thank you for your post, she reinvests all dividends it seems. Or she did when they were with Edward Jones, the same options have carried over so I imagine the same. Easy way to check. She can login at Vanguard and see if DRIPs are turned on or off for each position (individual stocks as well as...
by CyclingDuo
Tue Sep 04, 2018 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Max 401k and live off savings?
Replies: 9
Views: 1174

Re: Max 401k and live off savings?

Hi! I've been researching an interesting situation that I haven't heard much about. I haven't been contributing much to my 401k this year, and I'm thinking about doing what I can to meet the maximum for 2018. I realize it's a little late in the year to make this decision. Perhaps this is what "bett...
by CyclingDuo
Tue Sep 04, 2018 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: Mom had no idea she had over a mil in her Portfolio. What now?
Replies: 25
Views: 5193

Re: Mom had no idea she had over a mil in her Portfolio. What now?

Looks to be set up to produce at around 2.5 - 3% yield in dividends just by a quick glance, but find out exactly what it is producing and if it meets your mother's needs before tinkering with it too much. Just a follow up to my above post. I looked up the dividend yields of the portfolio and it was...
by CyclingDuo
Tue Sep 04, 2018 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Mom had no idea she had over a mil in her Portfolio. What now?
Replies: 25
Views: 5193

Re: Mom had no idea she had over a mil in her Portfolio. What now?

My mom has been with Edward Jones for many many years and she finally made a good decision and transferred to Vanguard with her money. I helped her with the process and she is happy so far because there are way less fees at Vanguard. When she saw all the stocks and mutual funds she had she was shoc...
by CyclingDuo
Tue Sep 04, 2018 4:28 am
Forum: Personal Finance (Not Investing)
Topic: House Affordability - Question on standard advice
Replies: 35
Views: 3140

Re: House Affordability - Question on standard advice

Hi all, My question is in regards to advice I see about home affordability. A number of sites have advice that you can afford a house at 2, 3, or even up to 4 times gross income. Is that number referring to the mortgage alone (after down payment) or total price (mortgage plus down payment)? Obvious...
by CyclingDuo
Mon Sep 03, 2018 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: I want to pry my friend away from Edward Jones
Replies: 71
Views: 7603

Re: I want to pry my friend away from Edward Jones

My thoughts, probably mostly covered by others. I would never give an unsolicited financial book to anyone except to my child or niece or nephew who was just starting their career. Therein lies the problem in our country. Good chance the child, niece or nephew could end up being unwilling to heed t...
by CyclingDuo
Mon Sep 03, 2018 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Don't Look and Have A Doctor Waiting When You DO
Replies: 35
Views: 5705

Re: Don't Look and Have A Doctor Waiting When You DO

Jack Bogle has been quoted as saying, "Don't Look at your funds and Have A Doctor Waiting When You DO, referring to indexing and the favorable fortune you can find over 30 years by just trusting in the market. But with the need to rebalance annually (or to rebalance in big market swings) and deal w...
by CyclingDuo
Mon Sep 03, 2018 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Aggressive asset allocation and market capitalization for someone with a pension
Replies: 15
Views: 1178

Re: Aggressive asset allocation and market capitalization for someone with a pension

Thanks for your advice. I have read (but not necessarily internalized) Tyson's books on personal finance/investing and the Boglehead books on investment and the three fund portfolio. I will check out your suggestions. I am contributing $6k a year to my 403b. My income will increase by 20% in the ne...
by CyclingDuo
Sun Sep 02, 2018 8:01 am
Forum: Personal Finance (Not Investing)
Topic: What is your stealth way to save monthly?
Replies: 87
Views: 9593

Re: What is your stealth way to save monthly?

I'm not sure if this counts, but I have a ceramic cup at my bedside and every day I empty my change into it. That gets dumped into a ziplock bag when full. When the bag is full I take it to my brick and mortar bank and cash in the change (actually it gets deposited to my checking account then I mov...
by CyclingDuo
Fri Aug 31, 2018 10:09 am
Forum: Investing - Help with Personal Investments
Topic: I want to pry my friend away from Edward Jones
Replies: 71
Views: 7603

Re: I want to pry my friend away from Edward Jones

Hi there Bogleheads, Earlier this week I had a conversation with a neighbor/friend in which she mentioned that she has her investments with Edward Jones. Of course I cringed and told her that I think EJ is horrible, awful, expensive, etc. etc. We talked about it for a few minutes, and she said she ...