Search found 869 matches

by DesertDiva
Wed Sep 30, 2020 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for housing in or near Venice, Florida
Replies: 5
Views: 480

Re: Looking for housing in or near Venice, Florida

We have friends in Englewood (just south of Venice).

They like the area and were able to purchase new construction at a reasonable price.
by DesertDiva
Wed Sep 30, 2020 8:12 am
Forum: Personal Consumer Issues
Topic: Starting a Vineyard
Replies: 20
Views: 1511

Re: Starting a Vineyard

Are the heirs willing to work with you on this? Or would they be better served by another form of inheritance?
by DesertDiva
Tue Sep 29, 2020 5:39 pm
Forum: Personal Consumer Issues
Topic: Music for a camping trip
Replies: 50
Views: 2715

Re: Music for a camping trip

Bring an acoustic instrument
by DesertDiva
Tue Sep 29, 2020 5:35 pm
Forum: Personal Consumer Issues
Topic: how do you make your home smell good?
Replies: 69
Views: 4825

Re: how do you make your home smell good?

I have a small glass bottle with a sprayer. I fill it most of the way with witch hazel then add a few drops of jasmine essential oil. After vacuuming, I use my concoction as a room spray.
by DesertDiva
Mon Sep 28, 2020 8:51 am
Forum: Personal Consumer Issues
Topic: DIY life style. Typical Boglehead?
Replies: 91
Views: 6516

Re: DIY life style. Typical Boglehead?

My husband is a DIY-er. He is not a Boglehead; he has zero interest in investing.

Im a Boglehead because I invest according to the Boglehead’s investment philosophy:
https://www.bogleheads.org/wiki/Boglehe ... philosophy

...but I’m not a DIY-er. :?
by DesertDiva
Sun Sep 27, 2020 9:24 pm
Forum: Investing - Theory, News & General
Topic: Gold is again on my head
Replies: 46
Views: 3581

Re: Gold is again on my head

Buying a gold producer is very different from buy the gold metal itself. For example, it's entirely reasonable to buy some oil producer stocks for long term gain, but it's pretty stupid to buy oil barrels and pay significant costs to store them for long term gain. The US Government hoards both Gold...
by DesertDiva
Sun Sep 27, 2020 9:08 am
Forum: Investing - Theory, News & General
Topic: Gold is again on my head
Replies: 46
Views: 3581

Re: Gold is again on my head

Investing in a gold miner is not the same as investing in physical gold. Also, the WSJ noted that Mr. Buffett might not have made the investment in this company himself. One of Berkshire’s portfolio managers could have taken the position. Personally, i follow my IPS and do not pay attention to the n...
by DesertDiva
Fri Sep 25, 2020 3:45 pm
Forum: Personal Consumer Issues
Topic: What's your favorite reasonably priced gin?
Replies: 61
Views: 2774

Re: What's your favorite reasonably priced gin?

fedpharmer wrote: Fri Sep 25, 2020 12:51 pm Bombay Sapphire, Tanqueray (regular or Rangpur), and Hendricks. NO Beefeater :D
We always have Bombay Sapphire on hand. I like Tanqueray too.
by DesertDiva
Thu Sep 24, 2020 8:55 am
Forum: Personal Consumer Issues
Topic: Pay Realtor Per Showing
Replies: 47
Views: 3162

Re: Pay Realtor Per Showing

When I was a realtor, it was illegal to receive compensation from anyone other than my broker. Laws vary by state, so YMMV.
by DesertDiva
Sat Sep 19, 2020 9:39 pm
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 238
Views: 15047

Re: Is Costco worth the $120 membership?

Pesto, pasta, peas, Pelligrino, paper products, Pinot Noir, petrol, personal care products... we get our money’s worth.
by DesertDiva
Sun Sep 13, 2020 7:40 pm
Forum: Personal Investments
Topic: I’ve got 50K to invest in an ultra aggressive portfolio—seeking growth to 1 Million
Replies: 76
Views: 7547

Re: I’ve got 50K to invest in an ultra aggressive portfolio—seeking growth to 1 Million

If you have accumulated $50k In “a short amount of time“, then repeat what you did 20 times. Then you will have a million dollars.

No, I'm not going to ask how you did it, because I suspect that’s what you secretly hope to accomplish. :annoyed
by DesertDiva
Sun Sep 13, 2020 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone have a Net Worth in the 1% by age?
Replies: 42
Views: 5161

Re: Anyone have a Net Worth in the 1% by age?

Nate7out wrote: Sun Sep 13, 2020 3:35 pm
sunshinenc wrote: Sun Sep 13, 2020 3:30 pm I can tell this is pretty old data by comparing the with-home and without home number. How come a 1% guy in his/her 40s is living a sub 300K house these days? :)
He's a boglehead?
She’s the Millionaire Next Door :D
by DesertDiva
Sun Sep 13, 2020 8:23 am
Forum: Personal Investments
Topic: I’ve got 50K to invest in an ultra aggressive portfolio—seeking growth to 1 Million
Replies: 76
Views: 7547

Re: I’ve got 50K to invest in an ultra aggressive portfolio—seeking growth to 1 Million

The Bogleheads® Philosophy:

1. Develop a workable plan
2. Invest early and often
3. Never bear too much or too little risk
4. Never try to time the market
5. Use index funds when possible
6. Keep costs low
7. Diversify
8. Minimize taxes
9. Keep it simple
10. Stay the course
by DesertDiva
Fri Sep 11, 2020 5:51 pm
Forum: Personal Consumer Issues
Topic: Neccesities for a Man Cave
Replies: 51
Views: 3458

Re: Neccesities for a Man Cave

:idea: febreze
by DesertDiva
Fri Sep 11, 2020 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: selling house advice
Replies: 27
Views: 3046

Re: selling house advice

My standard advice: 1. Read the listing contracts, preferably before you sign. :D 2. Get your own idea of pricing and home conditions by looking at sold listings online. 3. Clean as if the Pope is visiting. 4. Do as little updating or fixing as possible. Now is not the time to buy a new HVAC or kit...
by DesertDiva
Fri Sep 11, 2020 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: How to interview a buyer's agent?
Replies: 22
Views: 1205

Re: How to interview a buyer's agent?

Examples of successful negotiations
Is he/she ABR certified?
How many transactions has he/she closed?
by DesertDiva
Fri Sep 11, 2020 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Old friend joined Northwestern Mutual -- how to politely explain they're awful
Replies: 87
Views: 6707

Re: Old friend joined Northwestern Mutual -- how to politiely explain they're awful

Wish him well in his future endeavors. Manage what you can control—your own domain.
by DesertDiva
Fri Sep 11, 2020 1:01 pm
Forum: Investing - Theory, News & General
Topic: Index Funds - Dangerous?
Replies: 46
Views: 3776

Re: Index Funds - Dangerous?

lostdog wrote: Fri Sep 11, 2020 7:52 am What's he selling?
+1 Precisely! You hit the proverbial nail on the head.
:sharebeer
by DesertDiva
Wed Sep 09, 2020 6:13 pm
Forum: Investing - Theory, News & General
Topic: Buying covid hit stocks
Replies: 30
Views: 1804

Re: Buying covid hit stocks

See #5 and #6. Bogleheads Investment Philosophy 1 Develop a workable plan 2 Invest early and often 3 Never bear too much or too little risk 4 Diversify 5 Never try to time the market 6 Use index funds when possible 7 Keep costs low 8 Minimize taxes 9 Invest with simplicity 10 Stay the course +100,0...
by DesertDiva
Wed Sep 09, 2020 3:06 pm
Forum: Personal Investments
Topic: Where should I start? (First post!)
Replies: 12
Views: 1274

Re: Where should I start? (First post!)

While you’re at it, take some time to read the following:
https://www.etf.com/docs/IfYouCan.pdf
by DesertDiva
Wed Sep 09, 2020 3:01 pm
Forum: Investing - Theory, News & General
Topic: How do Bogleheads cope with FOMO? [Fear Of Missing Out]
Replies: 97
Views: 7756

Re: How do Bogleheads cope with FOMO? [Fear Of Missing Out]

I wrote an IPS and I stick to it. Then I concern myself with other activities.
by DesertDiva
Wed Sep 02, 2020 6:18 pm
Forum: Personal Investments
Topic: Portfolio review: Currently feeling foolish for being a Boglehead. Help!
Replies: 53
Views: 4945

Re: Portfolio review: Currently feeling foolish for being a Boglehead. Help!

Wish your friends well in their future endeavors. Find a new topic to discuss.
by DesertDiva
Wed Sep 02, 2020 8:48 am
Forum: Personal Consumer Issues
Topic: Phoenix homes - backyard south facing okay?
Replies: 24
Views: 2922

Re: Phoenix homes - backyard south facing okay?

I live in the desert. Our backyard faces south but we have a covered patio and trees in the yard. West facing backyards are considered less desirable
by DesertDiva
Mon Aug 31, 2020 9:18 pm
Forum: Personal Investments
Topic: Turning 50
Replies: 9
Views: 1635

Re: Turning 50

Don’t forget to get a colonoscopy!
:sharebeer :twisted:
by DesertDiva
Mon Aug 31, 2020 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Skipping a Buyer's Real Estate Agent
Replies: 53
Views: 3029

Re: Skipping a Buyer's Real Estate Agent

But a reputable agent will also work on building a business based on referrals. But, that's the rub, isn't it: 1) How do you find a reputable agent vs. a disreputable agent (especially in if you're not local) 2) According to a 2014 NAR study, 87% of agents leave the business in first 5 years - pres...
by DesertDiva
Mon Aug 31, 2020 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Skipping a Buyer's Real Estate Agent
Replies: 53
Views: 3029

Re: Skipping a Buyer's Real Estate Agent

If, hypothetically, a shopping mall was going to be built accross the street, my understanding is the Seller must disclose that, if he knows. But suppose the seller doesnt know about it, but the seller's Agent knows. Does it have to be disclosed? It would also strike me that the seller's agent woul...
by DesertDiva
Mon Aug 31, 2020 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Skipping a Buyer's Real Estate Agent
Replies: 53
Views: 3029

Re: Skipping a Buyer's Real Estate Agent

If you use the listing agent to represent both the seller and yourself, the agent’s fiduciary responsibility is towards the seller . This is a more important consideration that commissions IMHO. OTOH, a buyer’s agent will reveal details that are materially relevant to you as the buyer. I wouldn't p...
by DesertDiva
Mon Aug 31, 2020 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Skipping a Buyer's Real Estate Agent
Replies: 53
Views: 3029

Re: Skipping a Buyer's Real Estate Agent

If you use the listing agent to represent both the seller and yourself, the agent’s fiduciary responsibility is towards the seller . This is a more important consideration that commissions IMHO. OTOH, a buyer’s agent will reveal details that are materially relevant to you as the buyer. I wouldn't p...
by DesertDiva
Mon Aug 31, 2020 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Skipping a Buyer's Real Estate Agent
Replies: 53
Views: 3029

Re: Skipping a Buyer's Real Estate Agent

If you use the listing agent to represent both the seller and yourself, the agent’s fiduciary responsibility is towards the seller . ..and the agent's own family; not necessarily in that order! While there may be some fig-leaf of "fiscal responsibility" for agents, marginal breaches (i.e. pushing a...
by DesertDiva
Mon Aug 31, 2020 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Skipping a Buyer's Real Estate Agent
Replies: 53
Views: 3029

Re: Skipping a Buyer's Real Estate Agent

If you use the listing agent to represent both the seller and yourself, the agent’s fiduciary responsibility is towards the seller . This is a more important consideration that commissions IMHO. OTOH, a buyer’s agent will reveal details that are materially relevant to you as the buyer. I wouldn't pu...
by DesertDiva
Mon Aug 24, 2020 3:17 pm
Forum: Personal Consumer Issues
Topic: Easiest Way to Fax From Computer?
Replies: 19
Views: 1438

Re: Easiest Way to Fax From Computer?

Another vote for faxzero.
by DesertDiva
Mon Aug 24, 2020 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Why am I private about my finances?
Replies: 14
Views: 1595

Re: Why am I private about my finances?

I believe it’s better to keep certain issues private. Otherwise there is the very real possibility of jealousy, resentment and discontentment in one’s relationships.
by DesertDiva
Fri Jul 24, 2020 5:35 pm
Forum: Investing - Theory, News & General
Topic: Risk Parity: When Stocks "Zig," What is the Best "Zag"?
Replies: 31
Views: 1854

Re: Risk Parity: When Stocks "Zig," What is the Best "Zag"?

I adhere to my IPS and concern myself with other topics.
by DesertDiva
Mon Jul 20, 2020 1:15 am
Forum: Personal Investments
Topic: Why make a written financial plan?
Replies: 39
Views: 2471

Re: Why make a written financial plan?

This won’t answer your question, but I hope you find it interesting. I used to volunteer in a local prison, where church members would provide “life 101 advice” to the inmates who are close to being released. The number 1 indicator that you wouldn’t see them in the program again (recidivism rate s ...
by DesertDiva
Fri Jul 17, 2020 10:34 pm
Forum: Personal Consumer Issues
Topic: Hummus Alternative:
Replies: 33
Views: 3358

Re: Hummus Alternative:

Dottie57 wrote: Fri Jul 17, 2020 9:40 am I also like Baba ganoush
+1,000. I like it so much better than hummus
by DesertDiva
Thu Jul 09, 2020 4:09 pm
Forum: Personal Investments
Topic: investing for the election
Replies: 15
Views: 1141

Re: investing for the election

Develop an IPS and stick to it, regardless of what may (or may not) happen.
by DesertDiva
Thu Jul 09, 2020 3:54 pm
Forum: Investing - Theory, News & General
Topic: Gold as Part of a Portfolio?
Replies: 161
Views: 8686

Re: Gold as Part of a Portfolio?

Gold is good for jewelry. :twisted:
by DesertDiva
Mon Jul 06, 2020 1:13 pm
Forum: Personal Consumer Issues
Topic: Device for men's haircuts
Replies: 50
Views: 4647

Re: Device for men's haircuts

I bought a Wahl clipper set from Costco earlier this year, which includes a #8 guard.

Unfortunately it is now out of stock, however you might want to check on availability periodically

https://www.costco.com/wahl-deluxe-hair ... 41517.html
by DesertDiva
Mon Jun 29, 2020 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate at age 70?
Replies: 12
Views: 1323

Re: Real estate at age 70?

:idea: you've earned the right to enjoy your life - why would you want to return to beIng a landlord?
by DesertDiva
Wed Jun 17, 2020 7:55 am
Forum: Personal Investments
Topic: Can my portfolio really be this simple?
Replies: 24
Views: 2379

Re: Can my portfolio really be this simple?

Please read “if You Can” by William Bernstein.
by DesertDiva
Fri Jun 12, 2020 3:59 pm
Forum: Personal Consumer Issues
Topic: Buying blinds
Replies: 16
Views: 902

Re: Buying blinds

I need to replace ~10 blinds across my home. I want to replace the ones in bedroom with a blackout roller, and the remaining ones with a light filtering roller. Any suggestions on where I should purchase the Blinds from, preferably reasonably priced. I see selectblinds.com as a popular online store...
by DesertDiva
Fri Jun 12, 2020 2:57 pm
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 282
Views: 41932

Re: Is there an "upvote" feature in the forums?

FireAway wrote: Fri Jun 12, 2020 2:20 pm
ronno2018 wrote: Fri Jun 12, 2020 1:55 pm
cheese_breath wrote: Fri Jun 12, 2020 1:45 pm I don't think that button exists.
It would be nice to have an upvote button to the right of the report and quote button.
+1
+1
by DesertDiva
Wed Jun 10, 2020 6:41 pm
Forum: Investing - Theory, News & General
Topic: Do Any Bogleheads Consider Themselves Bears?
Replies: 51
Views: 2600

Re: Do Any Bogleheads Consider Themselves Bears?

I propose another alternative: a tortoise.
by DesertDiva
Mon Jun 08, 2020 9:38 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey mentioned bogleheads today
Replies: 142
Views: 10074

Re: Dave Ramsey mentioned bogleheads today

https://www.youtube.com/watch?v=Jm25gueDHsE&t=1302s At 6:50 a guy calls in about index funds and they talk about it until 8:20 At 13:30 Dave Ramsey says he has never heard a millionaire that says they were held back by an expense ratio, talks about loading fee's, bogleheads and a Vanguard s&p 500 a...
by DesertDiva
Mon Jun 08, 2020 6:42 pm
Forum: Personal Consumer Issues
Topic: Missing Item -> Amazon Order
Replies: 7
Views: 787

Re: Missing Item -> Amazon Order

I called 1 (888) 280-4331. No human on the other end.
They have a recorded message to go to amazon.com/help, but I already found that page on my own and it didn't help.

Started a chat session and seemed to connect to a human on the other end. Thanks!
by DesertDiva
Mon Jun 08, 2020 6:20 pm
Forum: Personal Consumer Issues
Topic: Missing Item -> Amazon Order
Replies: 7
Views: 787

Missing Item -> Amazon Order

I received a package from Amazon a few minutes ago. I ordered two items and only received one . According to the online order information, the two products were supposed to be shipped together. I've searched the website to find a way to report a missing item. It's easy to return a product, but how d...
by DesertDiva
Fri Jun 05, 2020 8:25 am
Forum: Investing - Theory, News & General
Topic: Offshore CD at higher rates?
Replies: 8
Views: 681

Re: Offshore CD at higher rates?

Silk McCue wrote: Thu Jun 04, 2020 7:29 am Seriously? Offshore banks for a CD, or for anything? What could possibly go wrong?

Cheers
You took the words out of my mouth!