Search found 1185 matches

by DrGoogle2017
Sat Feb 17, 2018 5:58 pm
Forum: Investing - Theory, News & General
Topic: Retirees: The common sense withdrawal method
Replies: 75
Views: 5543

Re: Retirees: The common sense withdrawal method

I just spend what I need comment depends on your own situation and your sources of income. Don’t forget a lot of us don’t depend on our portfolio. If you retire early like in your early 50s, of course you need to be cautious, 4% in your gage. But for some of us, our portfolio is like a bonus. Even t...
by DrGoogle2017
Sat Feb 17, 2018 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Really need an advice: sell the house or rent it out
Replies: 26
Views: 1121

Re: Really need an advice: sell the house or rent it out

If you plan to come back, then keep the house. To claim the loss, you need to make less than $150k. 150K including the rental income or not? So, if W-2 is $140k and the additional $40K come from the rental property, can I claim the loss? In your case, you actually have a loss, so not including the ...
by DrGoogle2017
Sat Feb 17, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 70
Views: 2968

Re: Best plants to grow to save money for food costs

Some of my zucchini can be used for weapons. I have yet to get a chance to test them out. But I make ratatouille or stew when they get too big.
by DrGoogle2017
Sat Feb 17, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Number at which to stop worrying
Replies: 170
Views: 16153

Re: Number at which to stop worrying

Straw man argument. Why is the world throws in this thread? Some places in the world, it doesn’t cost much to live.
by DrGoogle2017
Sat Feb 17, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 132
Views: 5692

Re: How to get child's skin in the game for college?

I wouldn’t encourage them to take a heavy load like 5 courses freshman year, it could be a recipe for burning out. In fact, I said to them to party some, but don’t forget to study. So my kid compromised and took 3 courses plus 1 or 2 unit lab course, plus a research class for Credit and no credit. ...
by DrGoogle2017
Sat Feb 17, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: Transition from house to apartment
Replies: 16
Views: 1381

Re: Transition from house to apartment

I like Seal beach better than Long Beach, there are some retirement communities in Seal Beach.
by DrGoogle2017
Sat Feb 17, 2018 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Really need an advice: sell the house or rent it out
Replies: 26
Views: 1121

Re: Really need an advice: sell the house or rent it out

If you plan to come back, then keep the house. To claim the loss, you need to make less than $150k.
by DrGoogle2017
Sat Feb 17, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 382
Views: 30065

Re: What frugal thing did you do today?

Home cooked meal for a change. What I spent yesterday for a whole week of vegetables and some meat was less than what I spent on just one breakfast for two on my vacation. Best yet, my husband prefers the roasted turkey breast, Cinderella pumpkin from my garden, and some peas. Healthy and cheap.
by DrGoogle2017
Sat Feb 17, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: What has been your most important skill in achieving financial independence?
Replies: 86
Views: 3480

Re: What has been your most important skill in achieving financial independence?

High paying jobs for both spouses that enable us to buy real estate in desirable areas. That and also maxed out retirement savings.
by DrGoogle2017
Sat Feb 17, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 70
Views: 2968

Re: Best plants to grow to save money for food costs

Saffron comes from the flower of Crocus bulb. They grow easily here in SoCal, but I bought a small saffron container for $20 and have not depleted it for a while now.
by DrGoogle2017
Sat Feb 17, 2018 1:41 pm
Forum: Investing - Theory, News & General
Topic: Retirees: The common sense withdrawal method
Replies: 75
Views: 5543

Re: Retirees: The common sense withdrawal method

For me, the 4% SWR is for planning to see if you have enough to retire yet. But when I planned for my retirement, I didn’t know anything about 4% SWR, I knew nothing about Firecalc, I think I ran it wrong even. I have a liability matching portfolio( but I didn’t know it was called that even). Maybe ...
by DrGoogle2017
Sat Feb 17, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Number at which to stop worrying
Replies: 170
Views: 16153

Re: Number at which to stop worrying

I think between $10million-$20million should ease your worrying. But there are other worries pop up with a lot of money too.
by DrGoogle2017
Sat Feb 17, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 70
Views: 2968

Re: Best plants to grow to save money for food costs

Mints, they grow like weeds. All kidding aside. I grow cherry tomatoes, smaller and tastier, easier to ripe because of small size fruit, green beans, squashes. I always have some kind of vegetables in my garden. The rest varieties are for fun. I do have lots of herbs, in fact they are part of my edi...
by DrGoogle2017
Fri Feb 16, 2018 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 132
Views: 5692

Re: How to get child's skin in the game for college?

I wouldn’t encourage them to take a heavy load like 5 courses freshman year, it could be a recipe for burning out. In fact, I said to them to party some, but don’t forget to study. So my kid compromised and took 3 courses plus 1 or 2 unit lab course, plus a research class for Credit and no credit.
by DrGoogle2017
Fri Feb 16, 2018 10:26 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5574
Views: 1260816

Re: U.S. stocks in freefall

I don’t think the volatility is done yet. Many bumpy rides for this year is my guess.
by DrGoogle2017
Fri Feb 16, 2018 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: How to negotiate free trades with TDAmeritrade (?)
Replies: 17
Views: 631

Re: How to negotiate free trades with TDAmeritrade (?)

I would hinting of moving my account to Charles Schwab. Free trades don’t last forever, there is a time limit. But you can request again when you run out. But not on my HSA account. Been looking seriously at Schwab. Lots of thread on BH that discuss. They seem very viable. I have yet to discuss wit...
by DrGoogle2017
Fri Feb 16, 2018 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: How to negotiate free trades with TDAmeritrade (?)
Replies: 17
Views: 631

Re: How to negotiate free trades with TDAmeritrade (?)

I would be hinting of moving my account to Charles Schwab. Free trades don’t last forever, there is a time limit. But you can request again when you run out. But not for my HSA account.
by DrGoogle2017
Fri Feb 16, 2018 9:58 pm
Forum: Investing - Theory, News & General
Topic: Retirees: The common sense withdrawal method
Replies: 75
Views: 5543

Re: Retirees: The common sense withdrawal method

Of course, you should understand what your withdrawal is for. If you have a base of income, can cut back discretionary spending, you have more sources of income later on like taking SS at 70. There are many variables to be accounted for. Maybe that’s what OP refers to as common sense.
by DrGoogle2017
Fri Feb 16, 2018 6:26 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 382
Views: 30065

Re: What frugal thing did you do today?

Several things last week we did that were frugal. We returned our rental car one day early and save $70. The car battery was dead, but we were afraid it won’t start overnight even after driving it for an hour. The AAA guy said it was dead battery. We took the bus from the hotel to the nearby mall to...
by DrGoogle2017
Fri Feb 16, 2018 6:07 pm
Forum: Personal Consumer Issues
Topic: Transition from house to apartment
Replies: 16
Views: 1381

Re: Transition from house to apartment

You have better chance of renting in Torrance(near Redondo Beach) or Fountain Valley(near Huntington Beach) for that price range.
by DrGoogle2017
Fri Feb 16, 2018 5:54 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 265
Views: 18197

Re: Do people still use AAA?

I use AAA service recently on my trip, I got one of those keyless ignition car, went I turned off the car, nothing sound to let me know the headlights still on. Needless to say I had a dead battery and had to call AAA. I didn’t purchase roadside assistance with my rental car. It’s well worth the $48...
by DrGoogle2017
Fri Feb 16, 2018 1:16 pm
Forum: Investing - Theory, News & General
Topic: Retirees: The common sense withdrawal method
Replies: 75
Views: 5543

Re: Retirees: The common sense withdrawal method

Obviously, there are endless discussions here about withdrawal methods usually involving some kind of formulae or calculations. I was wondering if there are people like me who just use common sense...they take out what they need, when they need it. Please share your story. This is what I do, but mo...
by DrGoogle2017
Fri Feb 16, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 132
Views: 5692

Re: How to get child's skin in the game for college?

My kid had some sense to turned down two party schools, she didn’t want to associate with them. But I didn’t play any game, even though my husband and I were self supporting in our teens, but I made very clear that maintain a very high GPA is important because it doesn’t close off some roads later o...
by DrGoogle2017
Fri Feb 16, 2018 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA - Trading
Replies: 9
Views: 725

Re: Roth IRA - Trading

I use my daughter’s Roth IRA account strictly for trading. Since it’s a small account, I need to grow it aggressively, but I will put a limit on how much money I will accept for trading. I don’t want to lose her hard earn money. I'm not sure this a wise idea. Do you have power of attorney or other ...
by DrGoogle2017
Fri Feb 16, 2018 1:19 am
Forum: Personal Consumer Issues
Topic: Vacation in May. Boston, Martha's Vineyard, Ogunquit (cancelled Bar Harbor)
Replies: 25
Views: 1551

Re: Vacation in May. Boston, Martha's Vineyard, Bar Harbor

Last time, when we visited MIT, I stayed at the Embassy Suites in Waltham, nearby and drivable to Fenway. Very roomy for a family, pretty affordable. I didn't want to fight with everybody for hotel room in Boston.
by DrGoogle2017
Fri Feb 16, 2018 12:36 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA - Trading
Replies: 9
Views: 725

Re: Roth IRA - Trading

I use my daughter’s Roth IRA account strictly for trading. Since it’s a small account, I need to grow it aggressively, but I will put a limit on how much money I will accept for trading. I don’t want to lose her hard earn money.
by DrGoogle2017
Thu Feb 15, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: How do docs treat "white coat hypertension"?
Replies: 35
Views: 2004

Re: How do docs treat "white coat hypertension"?

My brother has high bp, he eats lots of celery per day. That’s what I do, I eat lots of celery when I’m not travelling. Plus I’m not really a coffee drinker. I do what I can to reduce my bp, not sure if I even have a problem. The doctor’s office usually take my bp twice to get correct reading. I wou...
by DrGoogle2017
Thu Feb 15, 2018 4:03 pm
Forum: Investing - Theory, News & General
Topic: How many of you use the "4% rule" during retirement?
Replies: 40
Views: 4864

Re: How many of you use the "4% rule" during retirement?

I don't use it. I spend what I spend. I had every intention of accelerated traveling in the first five years, so that's what I did.
by DrGoogle2017
Wed Feb 14, 2018 11:53 pm
Forum: Personal Consumer Issues
Topic: Do you think it is worth the money to travel to warm weather destinations during the winter?
Replies: 71
Views: 5570

Re: Do you think it is worth the money to travel to warm weather destinations during the winter?

It’s must be worth to a lot of people. My hotel is full. The car rental line is packed. Everybody looks pale, so I know they come from some winter place.
by DrGoogle2017
Wed Feb 14, 2018 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Changing from SS Spousal to Survivor
Replies: 26
Views: 1532

Re: Changing from SS Spousal to Survivor

I don’t think they change automatically, you have to file it.
by DrGoogle2017
Wed Feb 14, 2018 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 155
Views: 10117

Re: Did you learn anything from the market correction?

I’ve learned that what I thought was conservative, Vanguard Conservative Lifestyle fund , was not so conservative after all, it went down more than the Moderate Lifestyle fund when the market went down, it went up less than the Moderate Lifestyle Strategy when the market was gang buster, it recovere...
by DrGoogle2017
Mon Feb 12, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 109
Views: 7379

Re: What big item (>20k) are you saving up for?

While I’m not saving for this but if I have $20k dropped from sky, I wouldn’t hesitate to buy a very good necklace of white South Sea Pearls from Australia. The good kind, natural made, not like the ones from the Philippines.
by DrGoogle2017
Mon Feb 12, 2018 5:58 pm
Forum: Investing - Theory, News & General
Topic: How does one emotionally keep it together during market swings?
Replies: 70
Views: 4033

Re: How does one emotionally keep it together during market swings?

First cut is the hardest, after that you get baptized, your emotion will be dulled.
by DrGoogle2017
Mon Feb 12, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: Driving a rental car in Western Europe
Replies: 46
Views: 1504

Re: Driving a rental car in Western Europe

Not in a big city, but in rural areas. I plan to rent a car in southern France, but not in Italy. I avoid those crazy Italian drivers.
by DrGoogle2017
Mon Feb 12, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 223
Views: 13480

Re: free dinner investing seminar

I don’t like to eat steak anyway, so steak dinner is not that exciting to me, now if it’s a big free lobster dinner then I might entertain it.
by DrGoogle2017
Mon Feb 12, 2018 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Strategy
Replies: 15
Views: 988

Re: Investment Strategy

I’m a DMT but I admit it. Some people are still in denial.
by DrGoogle2017
Mon Feb 12, 2018 3:43 pm
Forum: Investing - Theory, News & General
Topic: how did you determine your risk tolerance?
Replies: 103
Views: 4789

Re: how did you determine your risk tolerance?

Ability to take risk, willingness to take risk, and need to take risk. For me, I have the ability because my expenses are so low, the willingness because I'm not retiring soon, and the need because I got a late start. So I'm 90/10 at age 34. 1) If you are laid off and unemployed for 2 years That se...
by DrGoogle2017
Mon Feb 12, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 7037

Re: I’m not renewing my Costco membership.

For years, we never had Costco membership. But now they pay me to shop there, we only buy essential stuff there, mostly berries and pineapples, lamb and cheese, milk and eggs, toilet papers, glasses, prints, gasoline, and tires. But using Costco citi credit card, we get almost $1000 back a year from...
by DrGoogle2017
Mon Feb 12, 2018 1:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5574
Views: 1260816

Re: U.S. stocks in freefall

Lucky for me, I sold some yesterday, Vanguard didn’t let me exchange to another fund. So I had cash and took a nibbling this morning. Not too much, just in case, it might fall more. I have done a few buying low and selling higher this week. It dulled the pain of 740 points drop on the rest. Yes, ve...
by DrGoogle2017
Mon Feb 12, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: Does it ever make sense to buy a new car?
Replies: 103
Views: 6301

Re: Does it ever make sense to buy a new car?

I only buy new car, make sense to me to drive them to the ground and then donate.
by DrGoogle2017
Sun Feb 11, 2018 12:50 am
Forum: Investing - Theory, News & General
Topic: how did you determine your risk tolerance?
Replies: 103
Views: 4789

Re: how did you determine your risk tolerance?

Wait until you also get a lay off notice, stock market is down by a large percentage, it might take you years to find full employment, or maybe never. Your emergency fund is also gone and you have to pay COBRA or the like for health insurance.
by DrGoogle2017
Sat Feb 10, 2018 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: Is Rental Property/Income Same as Bonds
Replies: 38
Views: 1977

Re: Is Rental Property/Income Same as Bonds

I don't get called at 3 AM by my bond mutual fund about a leaking pipe, so, no, rental property is not the same. This argument seems to perpetuate in the internet forever. That's why you get property managers. I get zero call at 3am in my 14 years of owning rental properties. In the past, before I ...
by DrGoogle2017
Sat Feb 10, 2018 6:59 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5574
Views: 1260816

Re: U.S. stocks in freefall

Lucky for me, I sold some yesterday, Vanguard didn’t let me exchange to another fund. So I had cash and took a nibbling this morning. Not too much, just in case, it might fall more. I have done a few buying low and selling higher this week. It dulled the pain of 740 points drop on the rest. Yes, ve...
by DrGoogle2017
Sat Feb 10, 2018 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Is Rental Property/Income Same as Bonds
Replies: 38
Views: 1977

Re: Is Rental Property/Income Same as Bonds

I don't get called at 3 AM by my bond mutual fund about a leaking pipe, so, no, rental property is not the same. This argument seems to perpetuate in the internet forever. That's why you get property managers. I get zero call at 3am in my 14 years of owning rental properties. In the past, before I ...
by DrGoogle2017
Sat Feb 10, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Help - why do I owe so much in taxes this year
Replies: 17
Views: 3231

Re: Help - why do I owe so much in taxes this year

theplayer11 wrote:
Sat Feb 10, 2018 2:55 pm
DrGoogle2017 wrote:
Sat Feb 10, 2018 2:47 pm
You withhold less in 2017 by about $3k, income went up by $6k.
right, those numbers make sense, but why was 3k less withheld is what the OP wants to know
I’m thinking, they might have changed their withholding to married. Single withold at a higher rate.
by DrGoogle2017
Sat Feb 10, 2018 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Help - why do I owe so much in taxes this year
Replies: 17
Views: 3231

Re: Help - why do I owe so much in taxes this year

You withhold less in 2017 by about $3k, income went up by $6k.
by DrGoogle2017
Sat Feb 10, 2018 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Help me get back into the market
Replies: 40
Views: 6694

Re: Help me get back into the market

What's exactly the difference between DCA vs DVA?
by DrGoogle2017
Sat Feb 10, 2018 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Is Rental Property/Income Same as Bonds
Replies: 38
Views: 1977

Re: Is Rental Property/Income Same as Bonds

I don't get called at 3 AM by my bond mutual fund about a leaking pipe, so, no, rental property is not the same. This argument seems to perpetuate in the internet forever. That's why you get property managers. I get zero call at 3am in my 14 years of owning rental properties. In the past, before I ...