Search found 187 matches

by DesertDiva
Tue Dec 18, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: When has being frugal or cheaping out bit you in the rear?
Replies: 109
Views: 7582

Re: When has being frugal or cheating out bit you in the rear?

Back in 2007 I really wanted a Volvo XC90. They were running some great promos at the time. Instead I saved a few thousand and bought a Honda Pilot. When the Pilot was just a few years old and barely off warranty, the transmission failed. Apparently this is a known problem that Honda fails to ackno...
by DesertDiva
Wed Dec 12, 2018 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Advice as I Turn 30
Replies: 20
Views: 1954

Re: Seeking Advice as I Turn 30

Give yourself credit for saving as much as you have to-date and don't compare yourself to other people! You have time on your side. You already know what you currently have; now learn more about the Bogleheads Philosophy and you'll be able to figure out what to do next. This community will continue ...
by DesertDiva
Wed Dec 12, 2018 11:09 am
Forum: Investing - Theory, News & General
Topic: So Much Red [in cost basis of taxable accounts]
Replies: 26
Views: 2514

Re: So Much Red

Review the basics - the Bogleheads Philosophy https://www.bogleheads.org/wiki/Getting_started
Find other things in life that you enjoy
Enjoy a glass of Pinot Gris :wink:
by DesertDiva
Tue Dec 11, 2018 2:24 pm
Forum: Investing - Theory, News & General
Topic: What should a new investor being reading?
Replies: 31
Views: 2278

Re: What should a new investor being reading?

After consuming the Bogleheads recommended reading list, also read books by the late Thomas J. Stanley. I like:
  • The Millionaire Next Door
  • Stop Acting Rich... and Start Living Like a Real Millionaire
by DesertDiva
Tue Dec 11, 2018 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: New Retiree Investment Strategy
Replies: 21
Views: 2220

Re: New Retiree Investment Stratedgy

I am 60 years old and 2 weeks ago my company decided to lay me off, along with many other older workers. I know, that's age discrimination, but they are giving us a nice severance package worth about 13 month salary. To get the severance, we must sign a waiver that we won't sue them. So they have u...
by DesertDiva
Mon Dec 10, 2018 1:54 pm
Forum: Investing - Theory, News & General
Topic: Article: Your love of index funds is terrible for our economy
Replies: 62
Views: 7086

Re: Article: Your love of index funds is terrible for our economy

There is an opinion piece published today in Marketwatch with the title "Your love of index funds is terrible for our economy." Not that it matters, but the author of that article runs his own investment newsletter called "Up On Stocks" where he claims he has been "beating the market since 2010". :...
by DesertDiva
Fri Dec 07, 2018 3:58 pm
Forum: Investing - Theory, News & General
Topic: We Are Teetering on the Edge of A DEATH CROSS
Replies: 50
Views: 8500

Re: We Are Teetering on the Edge of A DEATH CROSS

Elena wrote:
Fri Dec 07, 2018 1:16 pm
They like to make it all very dramatic and catastrophic. Showbusiness.
+1 Yes, it's just more click-bait
by DesertDiva
Thu Nov 29, 2018 4:28 pm
Forum: Investing - Theory, News & General
Topic: How Do You Evaluate A New Potential Portfolio Addition?
Replies: 14
Views: 829

Re: How Do You Evaluate A New Potential Portfolio Addition?

I’m most interested in how people decide to add or not add something new that comes along, or perhaps just new to them. I have reached the stage of life where the default position is to NOT add anything new . I am trying to think of events that would lead me to seriously evaluate alternate strategi...
by DesertDiva
Thu Nov 29, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Winter boot recommendation
Replies: 26
Views: 2353

Re: Winter boot recommendation

It's been a while since I've needed boots, but I bought a pair of Uggs 15 years ago and would never travel to a cold climate without them.
by DesertDiva
Thu Nov 29, 2018 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with $6,000 in gold and silver?
Replies: 40
Views: 3327

Re: What would you do with $6,000 in gold and silver?

Personally, I would take the time to determine what my financial objectives are at this point moving forward. No need to beat yourself up over something you can change. Create an IPS or an informal investing plan (https://www.bogleheads.org/wiki/Investment_policy_statement). Have you met your other ...
by DesertDiva
Wed Nov 28, 2018 4:59 pm
Forum: Investing - Theory, News & General
Topic: Financial goals for 2019 (specific)
Replies: 52
Views: 4338

Re: Financial goals for 2019 (specific)

1 Get certification that will help me in my career path,
2 Max out retirement contributions,
3 Remodel outdated bathroom, and
4 Stay the course
by DesertDiva
Wed Nov 28, 2018 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Marijuana [Stock]
Replies: 50
Views: 4527

Re: Marijuana

Isn’t this an investment help sub forum? I’m just asking if there are even options right now to publicly invest. 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 fund...
by DesertDiva
Wed Nov 28, 2018 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: My mutual funds are declining, please help!
Replies: 54
Views: 5110

Re: My mutual funds are declining, please help!

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
by DesertDiva
Tue Nov 20, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: Good oil for cooking and salad?
Replies: 38
Views: 2463

Re: Good oil for cooking and salad?

Grapeseed oil for cooking since it has a high smoke point, and olive oil for dressings.
by DesertDiva
Wed Nov 14, 2018 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Brand New to Boggleheads, Thoughts on my stocks?
Replies: 12
Views: 797

Re: Brand New to Boggleheads, Thoughts on my stocks?

A great place to start is by reading this page: https://www.bogleheads.org/wiki/Getting_started

Also look at the "Amazon" link above for recommended reading. It's a useful education!
by DesertDiva
Wed Nov 14, 2018 3:36 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 7227

Re: Are you all staying the course?

Staying the course
by DesertDiva
Wed Nov 14, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Enjoying Your Work
Replies: 27
Views: 3462

Re: Enjoying Your Work

Livehard1234 wrote:
Tue Nov 13, 2018 9:51 am
Don’t work in something you hate, but also don’t get caught in the trap of seeking “fulfillment” at work. It’s a suckers game, and in the end work will always be work and it isn’t what will make you happy. Find external hobbies to achieve “fulfillment”. Work is what ensures you can afford them.
+1
by DesertDiva
Wed Nov 14, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Accuracy of Zillow/Trulia/Redfin Estimates
Replies: 51
Views: 4588

Re: Accuracy of Zillow/Trulia/Redfin Estimates

Remember that the info you are getting from these sites is essentially click-bait to pull you in. They make money by connecting you to lenders and r.e. agents who pay to get their names featured on these sites.
by DesertDiva
Tue Oct 30, 2018 5:50 pm
Forum: Personal Consumer Issues
Topic: Washing machine/dryer shopping
Replies: 38
Views: 2884

Re: Washing machine/dryer shopping

I bought a used Maytag set a few years ago on Craigslist for $350--only 3 years old. The sellers were relocating and their new house already had similar machines. No regrets with my purchase.
by DesertDiva
Tue Oct 16, 2018 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: International Fund Down - What to do?
Replies: 36
Views: 2395

Re: International Fund Down - What to do?

very slightly off topic but I read the Bogleheads plan above and it says never bear too much risk, yet I see hordes of ordinary people I know buying individual stock like Netflix saying it's a sure future bet while I think single stocks are too much risk for the average Joe long term investor. What...
by DesertDiva
Tue Oct 16, 2018 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: International Fund Down - What to do?
Replies: 36
Views: 2395

Re: International Fund Down - What to do?

Review the basics: 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
Thu Oct 11, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Just Divorced -- Need Help [looking for new credit card]
Replies: 73
Views: 7320

Re: Just Divorced -- Need Help

You might want to check with Capital One.
BetaMax wrote:
Thu Oct 11, 2018 3:10 pm
*look freaking cool
This should be your LAST priority
by DesertDiva
Thu Oct 11, 2018 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 111
Views: 8495

Re: What did you buy today

A case of Tim Horton's coffee and a new can opener.
by DesertDiva
Thu Oct 11, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: UPDATE Considering new Honda Pilot, other suggestions?
Replies: 35
Views: 2067

Re: Considering new Honda Pilot, other suggestions?

I have a '18 Highlander Limited and absolutely love it. Worth checking out.
by DesertDiva
Thu Oct 11, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: How important is it that dentist is member of ADA?
Replies: 13
Views: 1292

Re: How important is it that dentist is member of ADA?

Some Mexican dentists in Los Algodones have joined the ADA as part of their marketing plan. I won't go back to them. My current dentist in the US is the best I've ever had, and I've never even thought to check what trade associations he belongs to.

My $0.02 worth.
by DesertDiva
Wed Oct 10, 2018 6:48 pm
Forum: Investing - Theory, News & General
Topic: When will you backup the truck on stocks
Replies: 102
Views: 9974

Re: When will you backup the truck on stocks

munemaker wrote:
Wed Oct 10, 2018 6:35 pm
Don't time the market. Stay the course.
+1
by DesertDiva
Fri Oct 05, 2018 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache is the BOMB!
Replies: 32
Views: 5368

Re: Mr. Money Mustache is the BOMB!

SoAnyway wrote:
Fri Oct 05, 2018 6:19 pm
OP, not to ask a stupid question, but.... Is there anything actionable in your initial post?? :confused
I suspect this is click-bait for the MMM website.
by DesertDiva
Fri Oct 05, 2018 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Whew! Stock market is no longer at all-time highs, so ...
Replies: 34
Views: 5516

Re: Whew! Stock market is no longer at all-time highs, so ...

Whew! Stock market is no longer at all-time highs, so ... ... there shouldn't be any more questions about the wisdom of investing at all-time highs for awhile. And bonds are no longer at highs either. Watch this space for a bunch of new threads extolling the virtues of certificates of deposit. haha...
by DesertDiva
Fri Oct 05, 2018 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache is the BOMB!
Replies: 32
Views: 5368

Re: Mr. Money Mustache is the BOMB!

hdas wrote:
Fri Oct 05, 2018 4:27 pm
what is remarkable is that according to the new yorker profile, he makes 400k year from his blog. H
Well, isn't that ironic! So much for the "FI" (or the "RE" for that matter).
by DesertDiva
Thu Oct 04, 2018 6:00 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 444
Views: 52071

Re: Your USER NAME...what does it mean?

bertilak wrote:
Wed Oct 03, 2018 7:07 pm
DesertDiva wrote:
Wed Oct 03, 2018 5:10 pm
I live in the Desert and I wish I could sing
Assuming the desert has open spaces you can go there to sing and no one can find fault!
Ha! I might just try that over the weekend :D
by DesertDiva
Wed Oct 03, 2018 5:10 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 444
Views: 52071

Re: Your USER NAME...what does it mean?

I live in the Desert and I wish I could sing
by DesertDiva
Tue Oct 02, 2018 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Adult kids getting help from parents
Replies: 36
Views: 2310

Re: Adult kids getting help from parents

Between the ages of 16-45, I received $2,200 total in help from my parents. My DH has received no help from his parents from age 15 onward. We are both the oldest child in our families and are happy to be self-sufficient; meanwhile, a great deal of financial support has gone from our parents to the ...
by DesertDiva
Wed Sep 26, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Piano Tuning - Cost and Recommendations
Replies: 11
Views: 1227

Re: Piano Tuning - Cost and Recommendations

Great idea to get your piano tuned. I’m a professional musician, I also have a Yamaha studio upright, and pay $100-150 per tuning, usually every 12-18 months. The more regularly you tune it, the better it will be. Keep it away from heat vents, windows, and exterior walls if you can. I agree that yo...
by DesertDiva
Fri Sep 14, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Job burnout - Keep grinding or change?
Replies: 62
Views: 6793

Re: Job burnout - Keep grinding or change?

I've had the same struggles and challenges. My employer offers decent pay and a great benefits package, yet I dreaded the daily grind and didn't like what I was doing. Earlier this year, I went to my manager and asked for a different work assignment, which he was able to give me. As it turns out, ot...
by DesertDiva
Wed Sep 12, 2018 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Do you rollover all of your previous 401ks?
Replies: 33
Views: 2349

Re: Do you rollover all of your previous 401ks?

If the new 401k is a decent plan (measured in expense and fund selection), isn't there an advantage to rolling the old 401k over into the new 401k rather than an IRA, since the money would be available at age 55 rather than 59.5? Sounds like you're referring to the "rule of 55": https://www.irs.gov...
by DesertDiva
Tue Sep 11, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: What will you do when you find you have more money than expected?
Replies: 91
Views: 10045

Re: What will you do when you find you have more money than expected?

#1. I'm with Saul on this one, I want the last check I ever write to bounce. https://m.youtube.com/watch?v=fwqW1laFbg0 I never bought into the last-check-bouncing strategy. IMHO, it assumes you know precisely when you are going to die. I've had to advise family members that if they plan to die brok...
by DesertDiva
Thu Sep 06, 2018 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Scaring the Old Folks
Replies: 71
Views: 8387

Re: Scaring the Old Folks

Maybe it's a slow news day at MW.
by DesertDiva
Tue Sep 04, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: Home-spun Weed Killers
Replies: 21
Views: 1638

Re: Home-spun Weed Killers

I recently had an arborist recommend a solution of vinegar and lemon juice for weeds. It has been effective on our weeds, however, we have a gravel yard so I cannot comment on how the solution would work in a grassy yard.
by DesertDiva
Tue Sep 04, 2018 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: Reducing Risk
Replies: 22
Views: 1265

Re: Reducing Risk

Dividend Growth funds do not fall into the "Income" category - they still have stocks as their underlying asset. The point of having a percentage of one's portfolio in "Income" (e.g., Bonds) is to accomplish Asset Allocation - owning more than 1 asset class.
by DesertDiva
Thu Aug 23, 2018 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Include Bonds in Portfolio?
Replies: 19
Views: 2051

Re: Include Bonds in Portfolio?

"A simple portfolio of three total market index funds outperforms most investors with less risk". That isn't my opinion, but is the result of the research of others who have carefully analyzed the markets and returns. Benefit from their wisdom and experience. Go back to the recommended reading list ...
by DesertDiva
Tue Aug 21, 2018 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Is divorce a wise financial move?
Replies: 90
Views: 5151

Re: Is divorce a wise financial move?

From what I've seen, divorce financially enriches the attorneys.
by DesertDiva
Mon Aug 20, 2018 2:17 pm
Forum: Investing - Theory, News & General
Topic: Another reason to be wary of international stocks...
Replies: 22
Views: 3601

Re: Another reason to be wary of international stocks...

Stay the course. Even if you were heading for the rocks when you set “the” (as opposed to “a”) course? The point of broad diversification is you send out a whole fleet of ships, so if one or two hit the rocks the fleet as a whole still lives to fight another day. +1 My 2 international holdings from...
by DesertDiva
Fri Aug 17, 2018 1:32 pm
Forum: Investing - Theory, News & General
Topic: Is President Jimmy Carter a Boglehead?
Replies: 22
Views: 1912

Re: Is President Jimmy Carter a Boglehead?

Sounds like The Millionaire Next Door.
by DesertDiva
Fri Aug 17, 2018 1:27 pm
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 112
Views: 13209

Re: Very confused with the current market

Here is a link to the Boglehead Philosophy: https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy Coming on this forum and asking us not to suggest BH philosophy seems counter-productive. Our approach is one of humility. We don't know what the market is going to do. And we don't pr...
by DesertDiva
Fri Aug 17, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: physics/math major looking for programmer/analyst job?
Replies: 89
Views: 6063

Re: physics/math major looking for programmer/analyst job?

Has he considered becoming a Data Scientist? Python and R are usable skills in this field.
by DesertDiva
Fri Aug 17, 2018 12:28 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 330
Views: 26205

Re: Invest in Tesla?

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
Wed Aug 15, 2018 4:06 pm
Forum: Investing - Theory, News & General
Topic: Mark Cuban bullish on Netflix and Amazon
Replies: 19
Views: 2035

Re: Mark Cuban bullish on Netflix and Amazon

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
by DesertDiva
Wed Aug 15, 2018 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: 33 Male, how am I doing?
Replies: 28
Views: 2892

Re: 33 Male, how am I doing?

... I guess I just feel like I'm not really making much progression, or that I am not doing as well as some others here. ... Please don't compare yourself to others. There will always be people who appear to be doing better than you. In reality, there are a lot of people who are not doing as well a...