Search found 239 matches

by ColoRetiredGirl
Fri Nov 20, 2020 8:05 pm
Forum: Personal Investments
Topic: What is your percentage of debt to NW?
Replies: 125
Views: 6079

Re: What is your percentage of debt to NW?

MidwestMike wrote: Fri Nov 20, 2020 3:55 pm
Broken Man 1999 wrote: Fri Nov 20, 2020 11:27 am I have no debt, I owe this months charges on my CCs, but they are always paid off each month...
Me too.
Me three!
by ColoRetiredGirl
Wed Nov 18, 2020 10:10 am
Forum: Personal Investments
Topic: I may die poor
Replies: 160
Views: 17277

Re: I may die poor

OP respectfully, you need a budget. https://youneedabudget.com I use the cloud based version a little bit every day and it is probably the most productive use of $84 I'll incur all year. If you use it correctly it will tell you where your money is going pretty quickly. +1 for YNAB. It is a financia...
by ColoRetiredGirl
Tue Nov 17, 2020 9:37 am
Forum: Personal Investments
Topic: REITs
Replies: 62
Views: 4867

Re: REITs

COVID-19 has hit real estate pretty hard. I am 64 and do not plan to sell my US REITs . I was in international REITs for a while but got out not because of a downturn, but because I didn’t want to single out that segment. Selling now will lock in losses. Why was it so attractive when you bought tha...
by ColoRetiredGirl
Tue Nov 17, 2020 9:33 am
Forum: Personal Investments
Topic: REITs
Replies: 62
Views: 4867

Re: REITs

I heard today on CNBC that REITs may not come back after Covid-19. I do not remember who was talking but was someone who follows REITs. They indicated rental and residential rents in New York have significantly decreased and occupancy is down. They discussed repurposing the buildings such as apartm...
by ColoRetiredGirl
Tue Nov 17, 2020 9:27 am
Forum: Personal Investments
Topic: REITs
Replies: 62
Views: 4867

Re: REITs

I should add that after I made this original post one month ago I decided to keep my REITs (VNQ and VNQI) at their current percentages in my portfolio, and I gained about $5000 on VNQ and $3500 on VNQI, so you never know. I certainly wouldn’t change my AA based on a comment by someone on CNBC. Than...
by ColoRetiredGirl
Mon Nov 16, 2020 9:44 pm
Forum: Personal Investments
Topic: REITs
Replies: 62
Views: 4867

Re: REITs

I heard today on CNBC that REITs may not come back after Covid-19. I do not remember who was talking but was someone who follows REITs. They indicated rental and residential rents in New York have significantly decreased and occupancy is down. They discussed repurposing the buildings such as apartm...
by ColoRetiredGirl
Mon Nov 16, 2020 9:40 pm
Forum: Personal Investments
Topic: REITs
Replies: 62
Views: 4867

Re: REITs

You haven’t even held reits for an entire year. If vti was getting whipped by vym for 10 months would you switch? No, but I think VNQ is a different animal than VTI and VYM. I can see many companies moving to work at home. My agency was seriously looking at it 3 years ago before I retired. I agree ...
by ColoRetiredGirl
Mon Nov 16, 2020 7:32 pm
Forum: Personal Investments
Topic: REITs
Replies: 62
Views: 4867

Re: REITs

I heard today on CNBC that REITs may not come back after Covid-19. I do not remember who was talking but was someone who follows REITs. They indicated rental and residential rents in New York have significantly decreased and occupancy is down. They discussed repurposing the buildings such as apartme...
by ColoRetiredGirl
Sat Nov 14, 2020 8:34 pm
Forum: Investing - Theory, News & General
Topic: Taylor Sends His Best to Fellow Bogleheads
Replies: 273
Views: 19151

Re: Taylor Sends His Best to Fellow Bogleheads

Speedy Recovery! I get soooo excited when you post your sage advice!
by ColoRetiredGirl
Tue Nov 10, 2020 12:24 am
Forum: Personal Investments
Topic: Schwab Dashboard Missing Cost and Net Gain/Loss
Replies: 3
Views: 378

Re: Schwab Dashboard Missing Cost and Net Gain/Loss

I just contacted them and they said it is a glitch and to check back later tonight or tomorrow morning.
by ColoRetiredGirl
Mon Nov 09, 2020 4:19 pm
Forum: Personal Investments
Topic: It's My Fault - Late Day Drop
Replies: 8
Views: 1679

Re: It's My Fault - Late Day Drop

I KNEW someone caused the drop. Now I know who…Not funny! :annoyed
by ColoRetiredGirl
Sun Oct 11, 2020 3:44 pm
Forum: Personal Investments
Topic: Aunt wants help with finances, insists I get a middle name for added security?
Replies: 55
Views: 4401

Re: Aunt wants help with finances, insists I get a middle name for added security?

You can take my middle name… I HATE IT. I told my aunt (named after her) I wanted to change it and she could not stop crying. She was so hurt. :(
by ColoRetiredGirl
Sat Oct 10, 2020 4:27 pm
Forum: Personal Investments
Topic: Best places to park around 25K?
Replies: 20
Views: 2472

Re: Best places to park around 25K?

I parked $24,999.99 in a checking account at Bellco Credit Union with an APY of 2.25 percent. The hassle is you need to have one monthly direct deposit transaction, one monthly online log in and 15 debit card purchases a month not including ATM transactions. The first two are easy but 15 swipes is a...
by ColoRetiredGirl
Wed Oct 07, 2020 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Best Course of Action for getting out of Debt?
Replies: 57
Views: 3929

Re: Best Course of Action for getting out of Debt?

I am going against the grain. I would use You Need A Budget (YNAB) as this program has better steps in getting out of debt while living a reasonable life style. I would highly recommend visiting the YNAB site on Facebook and read how excited people are in getting out of debt quickly and becoming mor...
by ColoRetiredGirl
Sat Oct 03, 2020 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: If you have a pension, how do you view it?
Replies: 203
Views: 14366

Re: If you have a pension, how do you view it?

I treat it as "longevity insurance", and plan to file for it at age 72 (which you can do now owing to the SECURE act). Previously, you had to file for pensions by age 70 (like taking RMD's from an IRA or 401K), Is this true that a private company or corporation can no longer insist you st...
by ColoRetiredGirl
Sat Sep 12, 2020 7:38 pm
Forum: Investing - Theory, News & General
Topic: What is going on with Vanguard International REIT / Real Estate Fund
Replies: 23
Views: 2643

Re: What is going on with Vanguard International REIT / Real Estate Fund

Annual returns since inception of the share class. https://investor.vanguard.com/etf/profile/performance/vnqi/cumulative-returns Noted: *Income returns may vary significantly year-to-year for mutual funds and ETFs (exchange-traded funds) that invest internationally in passive foreign investment com...
by ColoRetiredGirl
Sat Sep 12, 2020 9:09 am
Forum: Investing - Theory, News & General
Topic: What is going on with Vanguard International REIT / Real Estate Fund
Replies: 23
Views: 2643

Re: What is going on with Vanguard International REIT / Real Estate Fund

Following…I have both VNQ and VNQI. I do not need dividends. However, I am concerned about the future of REITs given the working from home and rent defaults. I wonder if people will sell off these fund if no dividends are paid in 2020. IMHO, Vanguard should address what is going on with these funds.
by ColoRetiredGirl
Fri Sep 11, 2020 8:17 pm
Forum: Personal Investments
Topic: To REIT or not to REIT?
Replies: 50
Views: 5366

Re: To REIT or not to REIT?

Has anyone noticed the Vanguard International Real Estate/REIT Fund? The fund really declined, much more than Total International and did not pay a dividend in either March or June. Curious if paying a dividend in September. I wonder since the fund has not paid a dividend in 2020 coupled with it un...
by ColoRetiredGirl
Wed Sep 09, 2020 9:35 am
Forum: Personal Investments
Topic: Requesting advice for financial planning
Replies: 12
Views: 1169

Re: Requesting advice for financial planning

Since you have been a DIY investor, you can visit with a Schwab Representative twice a year to review your portfolio. They analyze your portfolio by running it through their software coupled with an understanding of your retirement goals for free. What I did was completed the BH’s IPS (Investment Po...
by ColoRetiredGirl
Tue Sep 08, 2020 6:39 pm
Forum: Personal Investments
Topic: Stock-tracking app
Replies: 24
Views: 1499

Re: Stock-tracking app

no because I don't buy individual stocks. I own the market. why are you owning individual stocks? Do you think you know more than the market? If 80% of mutual fund managers don't beat the market every year, what makes you think you will? have you read (and understood) this: https://web.stanford.edu...
by ColoRetiredGirl
Sat Sep 05, 2020 8:48 am
Forum: Investing - Theory, News & General
Topic: Dip: Selling and buying
Replies: 18
Views: 2234

Re: Dip: Selling and buying

In theory. The trick is that you don't know that it will keep going down, nor do you know how far or how long. If you buy at the bottom, you lose. And it's much harder to buy back in than people seem to think, in either directions. That's a discussion I have with my Dad every single time the market...
by ColoRetiredGirl
Fri Sep 04, 2020 5:00 pm
Forum: Investing - Theory, News & General
Topic: Dip: Selling and buying
Replies: 18
Views: 2234

Re: Dip: Selling and buying

In theory. The trick is that you don't know that it will keep going down, nor do you know how far or how long. If you buy at the bottom, you lose. And it's much harder to buy back in than people seem to think, in either directions. That's a discussion I have with my Dad every single time the market...
by ColoRetiredGirl
Sun Aug 30, 2020 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Someone filed unemployment claims in my wife's name! (CA)
Replies: 12
Views: 1621

Re: Someone filed unemployment claims in my wife's name! (CA)

I use Credit Karma to monitor my CBR on a weekly bases. I check my social security account on a monthly bases to ensure no one filed on my behalf. I also get credit card notifications if a purchase is made over $1.00. With this said, Norton 360 with LifeLock would be a great monitoring system if you...
by ColoRetiredGirl
Fri Aug 28, 2020 12:28 pm
Forum: Investing - Theory, News & General
Topic: If International, what specifically?
Replies: 88
Views: 7287

Re: If International, what specifically?

+1 on your choices. I have both as well. Since VWILX has been skyrocketing, have you sold any gains to dampen the risk? I just bought VWILX in May and it is the most profitable fund in my portfolio. VEA was a loser for me so I sold it and bought VWILX. I can’t be any happier. With this said, I have...
by ColoRetiredGirl
Fri Aug 28, 2020 9:58 am
Forum: Investing - Theory, News & General
Topic: If International, what specifically?
Replies: 88
Views: 7287

Re: If International, what specifically?

Howdy I use VSS and VWILX, in addition to a Zero international Index fund from Fidelity. VWILX is the Vanguard managed international fund. It has an allocation to about 10% US growth stocks at the moment. It is my side bet on world growth, with a fairly concentrated portfolio. It is 50% of my inter...
by ColoRetiredGirl
Fri Aug 21, 2020 9:41 am
Forum: Personal Investments
Topic: When do you take profits and what do you do with them?
Replies: 35
Views: 2555

Re: When do you take profits and what do you do with them?

As the markets keep rising, when is it best to take profits? I know timing the market is impossible so how/what criteria or protocol do seasoned investors use? Given the current situation, when is it best to take profits and what should one do with the profits. Thank you. Looks like you are taking ...
by ColoRetiredGirl
Wed Aug 12, 2020 9:05 pm
Forum: Investing - Theory, News & General
Topic: Help me understand how to sell mutual funds
Replies: 18
Views: 974

Re: Help me understand how to sell mutual funds

Hello! Please educate me on mutual fund sales and/or rebalance process. I understand how to sell ETFs as I know approximately the sale price. I have only a few mutual funds and never sold one yet. The problem I am having is the unreal gain/loss is determined after the market closes. I want to take ...
by ColoRetiredGirl
Wed Aug 12, 2020 7:46 pm
Forum: Investing - Theory, News & General
Topic: Help me understand how to sell mutual funds
Replies: 18
Views: 974

Re: Help me understand how to sell mutual fund

I believe VEA is an equivalent but it shows a YTD loss of 5.39%. VWILX is showing a YTD gain of 12.37%. Many Vanguard mutual funds have matching ETF versions, for example VEA and VTMGX are the same fund. I watch VEA to estimate where VTMGX might close. VWILX does not have an ETF version. I get the ...
by ColoRetiredGirl
Wed Aug 12, 2020 7:43 pm
Forum: Investing - Theory, News & General
Topic: Help me understand how to sell mutual funds
Replies: 18
Views: 974

Re: Help me understand how to sell mutual funds

Good Question! I have the same problem, VWILX is Up over 20%++ YTD and I also would like pull the profit and get back to my original International asset allocation (as a non taxable event!) The actual sale and moving the profits outa VWILX is easy in IRA's(taxdeffered accts), just Sell the aprox pr...
by ColoRetiredGirl
Wed Aug 12, 2020 9:24 am
Forum: Investing - Theory, News & General
Topic: Help me understand how to sell mutual funds
Replies: 18
Views: 974

Re: Help me understand how to sell mutual fund

I believe VEA is an equivalent but it shows a YTD loss of 5.39%. VWILX is showing a YTD gain of 12.37%. I guess I will just sell up to the amount of my gains when I place the order. IMHO , efts are more transparent then mutual funds. I do not like surprises… What kind of account? Is this at Vanguar...
by ColoRetiredGirl
Wed Aug 12, 2020 9:23 am
Forum: Investing - Theory, News & General
Topic: Help me understand how to sell mutual funds
Replies: 18
Views: 974

Re: Help me understand how to sell mutual funds

If this is in a tax-advantaged account (Roth IRA, traditional IRA, HSA,401(k), 403(b), ...), then you can sell by dollar amount or by number of shares. You can click through your broker's online pages to go as far as the "Confirm" button. If this is in a taxable account, then you can do t...
by ColoRetiredGirl
Wed Aug 12, 2020 9:19 am
Forum: Investing - Theory, News & General
Topic: Help me understand how to sell mutual funds
Replies: 18
Views: 974

Re: Help me understand how to sell mutual fund

I believe VEA is an equivalent but it shows a YTD loss of 5.39%. VWILX is showing a YTD gain of 12.37%. I guess I will just sell up to the amount of my gains when I place the order. IMHO , efts are more transparent then mutual funds. I do not like surprises…
by ColoRetiredGirl
Wed Aug 12, 2020 8:57 am
Forum: Investing - Theory, News & General
Topic: Help me understand how to sell mutual funds
Replies: 18
Views: 974

Help me understand how to sell mutual funds

Hello! Please educate me on mutual fund sales and/or rebalance process. I understand how to sell ETFs as I know approximately the sale price. I have only a few mutual funds and never sold one yet. The problem I am having is the unreal gain/loss is determined after the market closes. I want to take s...
by ColoRetiredGirl
Sat Aug 08, 2020 8:39 am
Forum: Personal Investments
Topic: Looking for a cloud based portfolio tracker
Replies: 15
Views: 1769

Re: Looking for a cloud based portfolio tracker

I am looking at TC2000. It costs $29.99/month for the Gold subscription.I also like Personal Capital. However, I want to track 200-day moving average which TC2000 provides.
by ColoRetiredGirl
Mon Aug 03, 2020 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: In retirement, a $100 monthly expense needs $30,000 in your portfolio
Replies: 179
Views: 23038

Re: In retirement, a $100 monthly expense needs $30,000 in your portfolio

Side note that is directly to the point of this thread: My wife had a small vested pension from her 20's that had been closed down by her employer. When we started down our pre-Boglehead, Dave Ramsey path of snowballing our way out of debt we were VERY tempted to cash out and take the lump sum offe...
by ColoRetiredGirl
Wed Jul 29, 2020 8:59 am
Forum: Investing - Theory, News & General
Topic: Are you adjusting your REIT Allocation?
Replies: 69
Views: 6058

Re: Are you adjusting your REIT Allocation?

...I increased my global REIT and real estate allocation from 14% to 20% on April 24. Global REIT is interesting. In a 2015 article entitled "3 Investment Gurus Share Their Model Portfolios", Gretchen Tai recommends a 5% allocation to that. https://www.npr.org/2015/10/17/436993646/three-i...
by ColoRetiredGirl
Fri Jul 24, 2020 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Helping my nephew out of his rut
Replies: 82
Views: 8987

Re: Helping my nephew out of his rut

Unread post by palaheel » Mon Jul 13, 2020 5:20 pm Your nephew sounds like a good candidate for Dave Ramsey. You could pay for his Financial Peace University course. I agree. I prefer You Need A Budget (YNAB) as it allows someone to live while eliminating debt. Having just a $1K emergency fund then...
by ColoRetiredGirl
Mon Jun 29, 2020 2:46 pm
Forum: Investing - Theory, News & General
Topic: Personal Capital Acquired
Replies: 37
Views: 4488

Re: Personal Capital Acquired

Bummer! I just started using PC and hope it remains free. Time will tell.
by ColoRetiredGirl
Tue Jun 23, 2020 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Help: Severance Package Concern - Update #4 and Thank you All
Replies: 97
Views: 7927

Re: HELP: Severance Package Concern

If I were in your situation I would not meet with the Company's HR person tomorrow. I don't believe any good can come from that meeting. In all likelihood, the person you're meeting with will not have the authority to amend the offer. Instead, I would courteously cancel the meeting while also letti...
by ColoRetiredGirl
Tue Jun 23, 2020 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: Question about using YNAB. Regarding credit cards, statements, dates.
Replies: 10
Views: 638

Re: Question about using YNAB. Regarding credit cards, statements, dates.

This forum hooked me up with YNAB. I love it. I put the due date next to the name of the credit card to know when to pay the credit card bill. I organize my cards by due date and pay them accordingly. YNAB has free videos and webinars on how to handle credit card setup and payments. Join on Facebook...
by ColoRetiredGirl
Mon Jun 22, 2020 7:34 pm
Forum: Personal Investments
Topic: Best Comprehensive Investment Software for Investors
Replies: 11
Views: 910

Re: Best Comprehensive Investment Software for Investors

Thank you for your response. I am looking for a software for AA breakdown by asset classes, expense ratio analysis, 200 day moving averages etc. I will look at your suggestions. Thank you again!
by ColoRetiredGirl
Mon Jun 22, 2020 5:49 pm
Forum: Personal Investments
Topic: Best Comprehensive Investment Software for Investors
Replies: 11
Views: 910

Best Comprehensive Investment Software for Investors

I have been looking for the best comprehensive software to monitor my portfolio. I like Personal Capital but am sick of them bugging me. I am just looking for a software program that provides the same and more information as Personal Capital. Any suggestions? I am willing to pay a reasonable yearly ...
by ColoRetiredGirl
Wed Jun 17, 2020 9:01 am
Forum: Personal Investments
Topic: 63 and Could use some advice on portfolio
Replies: 86
Views: 7276

Re: 63 and Could use some advice on portfolio

I can’t help you on the investment side but I can tell you to get a budget. When I retired, the group told me about You Need A Budget (YNAB). It was a game changer for knowing how much money I had available for needs and wants. It has made my retirement stress free. The annual $84 is worth every pen...
by ColoRetiredGirl
Wed Jun 17, 2020 8:46 am
Forum: Personal Investments
Topic: AA when pension and SS cover expenses? Retirement planning??
Replies: 23
Views: 1664

Re: AA when pension and SS cover expenses? Retirement planning??

I can be wrong but I thought you or one spouse would have to be born before 1/1/1954 to allow your spouse to piggyback offer your social security as you described. No "piggy-backing" here. DW is taking her SS at 62. DH can't take spousal on her benefit (this was the old rule). At age 70, ...
by ColoRetiredGirl
Tue Jun 16, 2020 6:07 pm
Forum: Personal Investments
Topic: AA when pension and SS cover expenses? Retirement planning??
Replies: 23
Views: 1664

Re: AA when pension and SS cover expenses? Retirement planning??

I can be wrong but I thought you or one spouse would have to be born before 1/1/1954 to allow your spouse to piggyback offer your social security as you described. You may want to take a look and correct me if I am wrong. BTW, I too have a pension and holding off on SS until 70. My AA is 35/65 stock...
by ColoRetiredGirl
Tue Jun 09, 2020 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Help Me Strategize Our Debt Payoff Please
Replies: 43
Views: 2148

Re: Help Me Strategize Our Debt Payoff Please

I would double check the fine print on the 0% debt. Many times if you do not pay it off in full they will charge you the interest for that entire 0% period.
by ColoRetiredGirl
Fri Jun 05, 2020 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes? Legal Issues? Grandmother sent large check to Cousin she's estranged from
Replies: 59
Views: 3386

Re: Grandmother sent large check to Cousin she's estranged from

Regardless of check amount. Cash or deposit the check ASAP. Why? A "stop payment" can be put on it as a result of "second thoughts", "outside input", "peer pressure", "family pressure". And, do send a "Thank You Note" and/or "Flowers ...
by ColoRetiredGirl
Fri Jun 05, 2020 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes? Legal Issues? Grandmother sent large check to Cousin she's estranged from
Replies: 59
Views: 3386

Re: Grandmother sent large check to Cousin she's estranged from

Cash it and send a thank you note with a nice big family photo attached. +1! OP- I am African American and can understand how your cousin’s grandparents feel. They were born in a different time. It is definitely not right as love crosses all races and is what it is. You cannot change them. The gran...
by ColoRetiredGirl
Fri Jun 05, 2020 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retirees - Two questions, please?
Replies: 20
Views: 2034

Re: Federal Retirees - Two questions, please?

IMHO, I would contact your HR department and pose your questions. There are different retirement dates for FERS versus CSRS employees. They can tell you of any backlogs, timing of receiving your benefits and quite frankly let you know if you are leaving any money or perks before leaving.