Search found 165 matches

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: 66
Views: 5938

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: 108
Views: 7438

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: Considering new Honda Pilot, other suggestions?
Replies: 35
Views: 1850

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: 1204

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: 93
Views: 7918

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: 5188

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: 5366

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: 5188

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: 439
Views: 49134

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: 439
Views: 49134

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: 2196

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: 1204

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: 6664

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: 2280

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: 9879

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: 8269

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: 1568

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: 1236

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: 1984

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: 5051

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: 3543

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: 1884

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: 13083

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: 5720

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: 25315

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: 1998

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: 2861

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...
by DesertDiva
Wed Aug 15, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Adult piggy bank
Replies: 54
Views: 4764

Re: Adult piggy bank

... Do any of you do something similar to this? If so, any suggestions on an "adult" piggy bank? I own a piggy bank similar to this one, purchased on a trip to Ireland many years ago: https://www.louismulcahy.com/shop/giftware/piggy-bank-6170/ It's more symbolic than practical for me. Most of my co...
by DesertDiva
Wed Aug 15, 2018 12:52 pm
Forum: Investing - Theory, News & General
Topic: Bullish/bearish on GE? Make your case here - new lows today
Replies: 63
Views: 5604

Re: Bullish/bearish on GE? Make your case here - new lows today

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 Aug 10, 2018 7:05 pm
Forum: Personal Consumer Issues
Topic: Piano Tuning - Cost and Recommendations
Replies: 11
Views: 1204

Re: Piano Tuning - Cost and Recommendations

jalbert wrote:
Fri Aug 10, 2018 7:02 pm
What brand and type piano? How long since it was last tuned?
Yamaha upright piano - unsure of last tuning. My guess is over 10 years ago.
by DesertDiva
Fri Aug 10, 2018 6:57 pm
Forum: Personal Consumer Issues
Topic: Piano Tuning - Cost and Recommendations
Replies: 11
Views: 1204

Piano Tuning - Cost and Recommendations

I need to get a piano tuned. How much can I expect to pay? Does anyone have suggestions on how to find a tuner or what to ask them?
This is new territory for me. Thanks for your help.
by DesertDiva
Fri Aug 10, 2018 4:52 pm
Forum: Investing - Theory, News & General
Topic: Turkey/Turkish Stocks down 32% - approaching 2008 levels
Replies: 104
Views: 11409

Re: Turkey/Turkish Stocks down 32% - approaching 2008 levels

BuyAndHoldOn wrote:
Tue Jul 24, 2018 11:11 am
Is this a good time to buy?
...
(Don't worry, this is more for discussion than serious consideration).
...
It's always a good time to invest in Total-Market/Total-International index funds :happy
by DesertDiva
Thu Aug 09, 2018 4:26 pm
Forum: Investing - Theory, News & General
Topic: The Most Googled Money Terms in America
Replies: 17
Views: 2847

Re: The Most Googled Money Terms in America

That looks like "fake news" to me. When you click on the map of the states, each state supposedly has a different financial term that is most searched. Really? Fifty common financial phrases and every state picks a different one? Even Rhode Island, a tiny state doesn't have the same search as one o...
by DesertDiva
Wed Aug 08, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: Dental implant in Tijuana
Replies: 37
Views: 3939

Re: Dental implant in Tijuana

If you really want cheap, try Los Algodones, a town across the river from Yuma, AZ. Prices about 1/3 less than TJ. My Experience: I had a procedure done in Algodones (a.k.a. "Molar City") and know of others who have gone and have been satisfied. However My experience was not good. They were suppose...
by DesertDiva
Thu Jul 26, 2018 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Advice For Friend Going Through Divorce
Replies: 25
Views: 3506

Re: Advice For Friend Going Through Divorce

Dear Bogleheads, Looking for some advice for a good friend of mine going through a difficult period of life with a divorce. Thankfully, I have no experience in this area, so looking to the wisdom of the bogleheads. Background: - Currently still legally married, going through legal divorce proceedin...
by DesertDiva
Wed Jul 25, 2018 5:35 pm
Forum: Investing - Theory, News & General
Topic: Difference between S&P 500 and. NASDAQ
Replies: 8
Views: 753

Re: Difference between S&P 500 and. NASDAQ

NASDAQ is a stock exchange - it is smaller than the New York Stock Exchange. The S&P 500 is a stock index managed by Standard & Poors. It is not an exchange. It is an index that represents the 500 largest companies on the US exchanges, in terms of market capitalization. Other indexes exist too like...
by DesertDiva
Wed Jul 25, 2018 1:56 pm
Forum: Investing - Theory, News & General
Topic: Difference between S&P 500 and. NASDAQ
Replies: 8
Views: 753

Re: Difference between S&P 500 and. NASDAQ

NASDAQ is a stock exchange - it is smaller than the New York Stock Exchange. The S&P 500 is a stock index managed by Standard & Poors. It is not an exchange. It is an index that represents the 500 largest companies on the US exchanges, in terms of market capitalization. Other indexes exist too like ...
by DesertDiva
Wed Jul 25, 2018 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Precious Metals ETF
Replies: 11
Views: 756

Re: Precious Metals ETF

If you run portfolio visualizer with gold instead of bonds in an 80/20 allocation, the result is fairly similar, although bonds win over most time horizons and the portfolio with gold is a bit more volatile. Personally, I don't see it as worth messing with. Some people hold a small amount of physic...
by DesertDiva
Tue Jul 24, 2018 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Need more excitement
Replies: 48
Views: 4554

Re: Need more excitement

The goal of lotteries and casinos is to separate you from your money. I see no excitement in that. That's the goal of movie theaters too. And golf courses. And ski resorts. And cruise ship lines. Etc, etc. It's all entertainment. When I buy a movie ticket, I get a movie in return. When I book a cru...
by DesertDiva
Tue Jul 24, 2018 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Need more excitement
Replies: 48
Views: 4554

Re: Need more excitement

The goal of lotteries and casinos is to separate you from your money. I see no excitement in that.
by DesertDiva
Tue Jul 24, 2018 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Advice - TRLGX
Replies: 5
Views: 434

Re: Advice - TRLGX

deleted
by DesertDiva
Tue Jul 24, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Turned down for credit card
Replies: 35
Views: 2896

Re: Turned down for credit card

I know someone who was rebuilding his credit and had success with Capital One.
by DesertDiva
Tue Jul 24, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Which doctor should I go to?
Replies: 26
Views: 1822

Re: Which doctor should I go to?

Dr Howard. Or Dr Fine... if he's not available, go to Dr Howard.
by DesertDiva
Tue Jul 24, 2018 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: How do you deal with a bear market?
Replies: 35
Views: 2454

Re: How do you deal with a bear market?

... a lot of people around me tell me that you should sell your equity investments for bonds or things like gold when the economy is at its peak and re-invest in stocks when economy is at its low. While I get that idea, how do you know when to go for safer investments? And how do you go about it? Y...
by DesertDiva
Fri Jul 20, 2018 6:38 pm
Forum: Investing - Theory, News & General
Topic: Good Books on Investment?
Replies: 14
Views: 1090

Re: Good Books on Investment?

The "Amazon" link in the blue banner above will give you some great resources. Start with "The Little Book of Common Sense Investing: The Only Way to Guarantee Your Fair Share of Stock Market Returns" by Jack Bogle (who this site is named after). "The Bogleheads' Guide to the Three-Fund Portfolio: H...
by DesertDiva
Fri Jul 20, 2018 5:28 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 330
Views: 25315

Re: Invest in Tesla?

randomizer wrote:
Wed Mar 28, 2018 10:21 am
Yes. Via a total market index fund.
+1 ...and it's always a good time to invest in a 3-fund portfolio, Boglehead-style :idea:
by DesertDiva
Fri Jul 20, 2018 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: How do you handle the urge to DO something?
Replies: 102
Views: 7637

Re: How do you handle the urge to DO something?

The Boglehead philosophy is to decide on your long term investment strategy, allocate your assets accordingly and then do nothing outside of an annual rebalance for the next 20/30/40/50+ years. That is difficult for me because I am a doer, I have to struggle daily to just leave it. My brain knows i...
by DesertDiva
Fri Jul 20, 2018 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions on my Investment portfolio allocations
Replies: 6
Views: 358

Re: Opinions on my Investment portfolio allocations

Welcome! Kudos on your home purchase and starting to invest at an early age! Following the portfolio advice template will generate more responses. Folks here tend to have a holistic view of portfolios. I'm not going to comment on the individual stocks you own; however, I do recommend that you famili...
by DesertDiva
Thu Jul 19, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: What is your Take Home Pay / Gross Pay ratio?
Replies: 89
Views: 8155

Re: What is your Take Home Pay / Gross Pay ratio?

46%. Deductions include health ins, dental ins, AD&D, life ins, savings plan, and additional federal withholding to compensate for miscellaneous income.