Search found 541 matches

by DesertDiva
Thu Nov 14, 2019 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity (Elon) card eBill
Replies: 12
Views: 790

Re: Fidelity (Elon) card eBill

Can the Fidelity Elon credit card be set up for eBill and autopayment in Fidelity cash management and bill pay? I pay my Fido CC with eBill. When I received the paper bill, I set it up for payment like I would with any other bill, then I pay it in full each month. Not a big deal. Haven’t tried sett...
by DesertDiva
Thu Nov 14, 2019 4:33 pm
Forum: Personal Investments
Topic: Winning the Game - Reducing Risk
Replies: 25
Views: 2769

Re: Winning the Game - Reducing Risk

There are no safe assets. Any assets that are safe from market risk are subject to inflation risk. In fact, for lengthy retirements, all the evidence has shown that equity heavy portfolio perform the best because you need returns to stay ahead of inflation. With a 3% withdrawal, it probably doesn't...
by DesertDiva
Thu Nov 14, 2019 2:55 pm
Forum: Personal Consumer Issues
Topic: Should I Travel ot Ecuador?
Replies: 42
Views: 2612

Re: Should I Travel ot Ecuador?

By some of the logic in this thread, if you lived in Switzerland, for example, you would never EVER visit a country like the USA, given how much more dangerous and crime-ridden it is. OP: you should definitely go. Manage your risks, like at all other times in your life, but GO! :sharebeer Agreed. I...
by DesertDiva
Thu Nov 14, 2019 12:35 pm
Forum: Personal Investments
Topic: market crash
Replies: 8
Views: 793

Re: market crash

gram wrote:
Thu Nov 14, 2019 12:11 pm
What would you buy if the stock market were to crash big in coming days?
Food and gasoline. Maybe a nice bottle of Cabernet
by DesertDiva
Thu Nov 14, 2019 5:20 am
Forum: Personal Finance (Not Investing)
Topic: Buyer's agent commission refunds: Hungry Agents, Redfin, others?
Replies: 4
Views: 600

Re: Buyer's agent commission refunds: Hungry Agents, Redfin, others?

Sellers pay the commission- not buyers. If an agent can’t defend his own commission, then how effective will he be at negotiating on your behalf?
by DesertDiva
Wed Nov 13, 2019 3:51 pm
Forum: Personal Investments
Topic: alternative investments
Replies: 32
Views: 1548

Re: alternative investments

:oops: +1 Since the OP is soliciting advice, I would advise: -forget about robo advisors and just DIY (instantly whatever AUM fee they are charging you saved!). -forget crypto (too many risks) -forget gold (IMO only useful as a hedge against inflation and you can use TIPS for that) Not sure what th...
by DesertDiva
Tue Nov 12, 2019 4:22 pm
Forum: Investing - Theory, News & General
Topic: Rich people are hoarding cash
Replies: 153
Views: 22905

Re: Rich people are hoarding cash

I am predicting a variety of upward and downward results at different times. I'm predicting several inches of snow each month for the next 4-5 months, and that it will all melt at various points of time before June, 2020. My snowblower is ready... My shovel is ready... My crockpot is ready... My ge...
by DesertDiva
Tue Nov 12, 2019 12:17 am
Forum: Personal Investments
Topic: alternative investments
Replies: 32
Views: 1548

Re: alternative investments

:oops:
by DesertDiva
Mon Nov 11, 2019 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: I think my friend is already financially independent (through a fantastic bitcoin investment), can you confirm?
Replies: 49
Views: 6922

Re: I think my friend is already financially independent (through a fantastic bitcoin investment), can you confirm?

I have a hard time believing that OP’s friend doesn’t have significant mortgages/liens on his real estate holdings, while only making $55k at his W-2 job at age 34. Did he inherit the real estate? The “he’s so private” friend may be withholding important details.
by DesertDiva
Mon Nov 11, 2019 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Cleaning my (Financial) House
Replies: 8
Views: 1088

Re: Cleaning my (Financial) House

I have a file folder stored in a secure location with our trust docs, warranty deed for the house, and our attorney info. I also included a spreadsheet that outlines our life insurance, assets and any needed account numbers, phone numbers, etc. I review it occasionally to ensure it’s up-to-date. Thi...
by DesertDiva
Mon Nov 11, 2019 2:41 pm
Forum: Personal Investments
Topic: Investing $140k in cash at 1k per week
Replies: 124
Views: 7503

Re: Investing $140k in cash at 1k per week

Hard to say. No one has a crystal ball and we don’t know which direction the markets will move.
by DesertDiva
Sun Nov 10, 2019 9:58 am
Forum: Personal Consumer Issues
Topic: What is this sound in the house?
Replies: 28
Views: 3197

Re: What is this sound in the house?

Do your walls smell like honey?
by DesertDiva
Sat Nov 09, 2019 11:36 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1012
Views: 137393

Re: Milestone #2 250K

There are 4.5 billion people on the planet with less than $100k in assets.

One in five US households has zero or negative wealth.

The median net worth of US households is $97,300.

You are above average!
by DesertDiva
Sat Nov 09, 2019 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Seller's agent not letting us use a buyer's agent
Replies: 122
Views: 10454

Re: Seller's agent not letting us use a buyer's agent

Procuring cause means that the agent who "performed the tasks that led you to buy would be the agent who ‘earned’ the commission,” Read more about Procuring cause here: www.realtor.com/advice/buy/if-i-first-saw-a-house-with-one-realtor-can-i-buy-it-with-another2.amp/ This is why I generally avoid g...
by DesertDiva
Sat Nov 09, 2019 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Seller's agent not letting us use a buyer's agent
Replies: 122
Views: 10454

Re: Seller's agent not letting us use a buyer's agent

Procuring cause means that the agent who "performed the tasks that led you to buy would be the agent who ‘earned’ the commission,” Read more about Procuring cause here: www.realtor.com/advice/buy/if-i-first-saw-a-house-with-one-realtor-can-i-buy-it-with-another2.amp/ This is why I generally avoid g...
by DesertDiva
Thu Nov 07, 2019 8:27 pm
Forum: Personal Investments
Topic: Investment Ideas
Replies: 49
Views: 3079

Re: Investment Ideas

Is this the same friend from your earlier post? You know, the one where Taylor Larimore recommended the three-fund portfolio.

BTW, your friend isn’t lucky. His loan officer is.
by DesertDiva
Thu Nov 07, 2019 3:51 pm
Forum: Personal Investments
Topic: Short-Term Investment
Replies: 10
Views: 654

Re: Short-Term Investment

There is no reason to expect real estate to perform the next 5 years the way it performed the last 5 years. The only way you can get 5% to 7% is by taking risk. This fund would not be suitable for short term investing. The fund has high fees in addition to what you pay this "advisor". Since you are...
by DesertDiva
Wed Nov 06, 2019 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Should be I be investing anything in my current situation?
Replies: 19
Views: 1601

Re: Should be I be investing anything in my current situation?

Welcome to the forum. There is no better time to start planning for your future than the present. First, I would urge you two establish a budget together. Work as a team and ensure that you see the same future together. Your life will run more smoothly. A budget doesn’t sound like fun, but it is nec...
by DesertDiva
Tue Nov 05, 2019 4:46 pm
Forum: Personal Investments
Topic: What's the Best Investment in Your Opinion?
Replies: 23
Views: 2311

Re: What's the Best Investment in Your Opinion?

KingRiggs wrote:
Tue Nov 05, 2019 4:38 pm
NotTooDeepLearning wrote:
Mon Nov 04, 2019 6:19 pm
The best investment you could make is investing time to research the boglehead philosophy.
^ This, times about 1,000. Read the Wiki, as much as possible....
...and then develop an IPS and implement it.
by DesertDiva
Tue Nov 05, 2019 4:44 pm
Forum: Investing - Theory, News & General
Topic: Robinhood, Heading for a Trainwreck?
Replies: 41
Views: 5398

Re: Robinhood, Heading for a Trainwreck?

lukestuckenhymer wrote:
Tue Nov 05, 2019 4:02 pm
Don't give fintech startups your money.
Yes... what could possibly go wrong?! :wink:
by DesertDiva
Tue Nov 05, 2019 3:36 pm
Forum: Investing - Theory, News & General
Topic: Is it OK to take less risk and spend more money once you’ve reached your goals even if you are young?
Replies: 63
Views: 5432

Re: Is it OK to take less risk and spend more money once you’ve reached your goals even if you are young?

Quarterly bogleheads entertainment thread. Please take us for a ride. Hear! Hear! Oh; I’m remembering now. Pause for a moment while I start a fire in the fireplace and make some popcorn. I was going to watch 90 Day Fiancé , but this will do. I'd like mine sprinkled with Parmesan cheese and a glass ...
by DesertDiva
Tue Nov 05, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: Your Fantasy Kitchen (Cookware-wise)
Replies: 57
Views: 4088

Re: Your Fantasy Kitchen (Cookware-wise)

Dottie57 wrote:
Tue Nov 05, 2019 3:15 pm
Sorry Ican’t help since you have my fantasy cookware.
Ditto. Take cooking classes? Study at Le Cordon Bleu? Take a culinary vacation?
Bon appétit!
by DesertDiva
Tue Nov 05, 2019 2:17 pm
Forum: Personal Investments
Topic: Selecting Portfolio Funds
Replies: 38
Views: 2227

Re: Selecting Portfolio Funds

I did read those 2 books. They are very good books. 3 funds portfolio might give better result but the portfolio I put out here, has less volatility. Believe me that over the time it would perform way better. What are the exact funds you would recommend for 3 funds portfolio ? Read the link I provi...
by DesertDiva
Tue Nov 05, 2019 1:55 pm
Forum: Personal Investments
Topic: Selecting Portfolio Funds
Replies: 38
Views: 2227

Re: Selecting Portfolio Funds

I did read those 2 books. They are very good books. 3 funds portfolio might give better result but the portfolio I put out here, has less volatility. Believe me that over the time it would perform way better. What are the exact funds you would recommend for 3 funds portfolio ? Read the link I provi...
by DesertDiva
Tue Nov 05, 2019 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Pay down 7% 403b loan or 3.74% car loan first?
Replies: 38
Views: 2033

Re: Pay down 7% 403b loan or 3.74% car loan first?

Lmao the question was loan vs. loan - OP wasn’t asking how you all think he should live his life. 403b first, using proceeds from car sale Clarice, I plan on engaging in habits that will contribute to my heart exploding. Good thing is I am already overweight, I do not exercise, and terrible genetic...
by DesertDiva
Tue Nov 05, 2019 1:22 pm
Forum: Personal Investments
Topic: Selecting Portfolio Funds
Replies: 38
Views: 2227

Re: Selecting Portfolio Funds

Hence they are tax efficient as well. The stock index funds are tax efficient. :happy The commodity fund probably is not tax efficient because it is actively managed. However, it is too new a fund to have much of a history and I was not able to verify my thinking on it. The bond funds are definitel...
by DesertDiva
Tue Nov 05, 2019 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Pay down 7% 403b loan or 3.74% car loan first?
Replies: 38
Views: 2033

Re: Pay down 7% 403b loan or 3.74% car loan first?

CyclingDuo wrote:
Tue Nov 05, 2019 10:28 am
Tidying up your balance sheet is the best advice we can all offer.
+1. Learn the concept of "Opportunity Cost" and view your finances holistically. Your 55-year-old self will thank you.
by DesertDiva
Mon Nov 04, 2019 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Permit Pulled Without My Knowledge
Replies: 14
Views: 2159

Re: Permit Pulled Without My Knowledge

I wonder if it would hurt to ask the title company. Or call a different title company with a hypothetical scenario.
by DesertDiva
Mon Nov 04, 2019 8:32 am
Forum: Personal Consumer Issues
Topic: Wedding gift from brother
Replies: 28
Views: 3834

Re: Wedding gift from brother

Kennedy wrote:
Sun Nov 03, 2019 11:38 pm
Looking for ideas for a wedding gift for the couple from the groom's brother. Have you seen any interesting/different ideas? The couple doesn't have any particular hobbies or interests that the two share.
Have they done a bridal registry?
by DesertDiva
Mon Nov 04, 2019 8:21 am
Forum: Personal Investments
Topic: Monthly Dividends
Replies: 16
Views: 2168

Re: Monthly Dividends

According to your profile, you’ve decided to invest in stocks for income. A previous post stated that you started investing by reading “Kiplingers and money mags.” Have you considered learning about the Bogleheads investment philosophy? There are plenty of resources on this site and a recommended re...
by DesertDiva
Tue Oct 29, 2019 9:11 pm
Forum: Personal Consumer Issues
Topic: Wallets [Do you carry a wallet?]
Replies: 102
Views: 8157

Re: Wallets [Do you carry a wallet?]

I carry an RFID wallet which I place in a crossbody purse.

A “purse” is simply the female version of a murse.
by DesertDiva
Mon Oct 21, 2019 5:17 pm
Forum: Investing - Theory, News & General
Topic: Investing for the "great sag" - Dalio
Replies: 65
Views: 10332

Re: Investing for the "great sag" - Dalio

Random Musings wrote:
Sat Oct 19, 2019 11:45 pm
DesertDiva wrote:
Sat Oct 19, 2019 10:44 pm
yada yada yada
Perhaps a portfolio diversified with manssieres would provide support against the great sag.

Dalio, what do you think, bro?

RM
Everything comes back to Seinfeld :beer
by DesertDiva
Mon Oct 21, 2019 1:53 pm
Forum: Personal Investments
Topic: Fine Art Investments
Replies: 77
Views: 4325

Re: Fine Art Investments

Buying a famous Old Maters piece because you're an ultra-rich person who wants to "safely" park money, potentially turn a profit down the road, and reap the social dividend of owning a notable art collection is a very different proposition than the average Boglehead diving into art speculation. Her...
by DesertDiva
Mon Oct 21, 2019 1:17 pm
Forum: Personal Consumer Issues
Topic: Old bourbon whisky
Replies: 26
Views: 4095

Re: Old bourbon whisky

If I had excess bourbon, I'd make BBQ sauce out of it. :)
by DesertDiva
Mon Oct 21, 2019 1:07 pm
Forum: Personal Investments
Topic: Portfolio Review-Lazy Not for me
Replies: 28
Views: 1601

Re: Portfolio Review-Lazy Not for me

Don't do something, just stand there.
by DesertDiva
Fri Oct 18, 2019 2:11 pm
Forum: Personal Consumer Issues
Topic: selling house, should we put in sod to replace ugly lawn?
Replies: 45
Views: 3738

Re: selling house, should we put in sod to replace ugly lawn?

The exterior makes the first impression. It’s not an unreasonable amount of money to improve the appearance of the property

YMMV
by DesertDiva
Thu Oct 17, 2019 11:54 pm
Forum: Personal Investments
Topic: To retire or not to retire,,,,
Replies: 19
Views: 3475

Re: To retire or not to retire,,,,

turkey1234 wrote:
Thu Oct 17, 2019 11:47 pm
My mom just died at 61 (with plenty of money left). I say retire.
The risk OP faces isn’t dying... it’s living
by DesertDiva
Thu Oct 17, 2019 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: What percent of net worth should a persons house be?
Replies: 141
Views: 10305

Re: What percent of net worth should a persons house be?

A percentage that allows you to reach/maintain your investment objectives.
by DesertDiva
Thu Oct 17, 2019 7:25 am
Forum: Personal Investments
Topic: I'm an indexer, but should I be buying my companies discounted stock?
Replies: 42
Views: 3214

Re: I'm an indexer, but should I be buying my companies discounted stock?

I bought company stock in the 90’s when I worked for megacorp. At the time, investment in this company was considered a no-brainer. The stock appreciated nicely until it peaked and the price went on a long downward slide. Fortunately I sold most of it before I would have lost money. I probably broke...
by DesertDiva
Mon Oct 14, 2019 12:19 pm
Forum: Investing - Theory, News & General
Topic: REITs or investment property?
Replies: 70
Views: 5038

Re: REITs or investment property?

Maybe your first question should be: "do I really need real estate in my portfolio?" What are you trying to achieve that a classic 3-fund portfolio can't give you? #justsayin
by DesertDiva
Fri Oct 11, 2019 1:50 pm
Forum: Investing - Theory, News & General
Topic: Anyone buying PG&E stock?
Replies: 60
Views: 5226

Re: Anyone buying PG&E stock?

Buying individual stocks is not part of my IPS.

https://www.bogleheads.org/wiki/Investm ... _statement
by DesertDiva
Fri Oct 11, 2019 1:44 pm
Forum: Personal Investments
Topic: $0 Commission, where to trade now ?
Replies: 5
Views: 641

Re: $0 Commission, where to trade now ?

I'm staying put without the noise coming from the $0 commission news. I already have my IPS and am sticking to it.

https://www.bogleheads.org/wiki/Investm ... _statement
by DesertDiva
Fri Oct 11, 2019 1:40 pm
Forum: Personal Consumer Issues
Topic: Seiko Watch
Replies: 37
Views: 3678

Re: Seiko Watch

I've been wearing a Seiko solar watch for the past year, and am very satisfied with it. I like the fact that I won't need to replace batteries. I hope that I will get a lot of use out of it. Time will tell.
by DesertDiva
Fri Oct 11, 2019 12:45 pm
Forum: Investing - Theory, News & General
Topic: Buying after PR Crisis [Public Relations Crisis (Boeing 737 Max)]
Replies: 65
Views: 5867

Re: Buying after PR Crisis [Public Relations Crisis (Boeing 737 Max)]

Generally, Bogleheads don't like the concepts of 1) market timing and 2) buying individual stocks. Follow the advice that LadyGeek provided (above) and start thinking of a long-term and holistic approach to investing. Find a copy of "If You Can" by William Bernstein (you can find it for free online)...
by DesertDiva
Thu Oct 10, 2019 1:44 pm
Forum: Investing - Theory, News & General
Topic: Motley Fool
Replies: 21
Views: 2868

Re: Motley Fool

Start your own newsletter then sell it online
#jk
by DesertDiva
Fri Oct 04, 2019 2:37 pm
Forum: Personal Investments
Topic: Commission free dividend stock portfolio
Replies: 15
Views: 1332

Re: Commission free dividend stock portfolio

mathguy3021 wrote:
Thu Oct 03, 2019 9:36 pm
I know that this goes against the boglehead philosophy, but ...
:oops:
by DesertDiva
Tue Oct 01, 2019 6:37 pm
Forum: Personal Consumer Issues
Topic: What are the styles or genres of home interior design?
Replies: 5
Views: 737

Re: What are the styles or genres of home interior design?

French Country
Santa Barbara
Eclectic
Contemporary
Modern
Cottage
Traditional
Transitional
Minimalist
Industrial
Rustic
Coastal
Southwestern
Mediterranean

Biedermeier! That was a new one for me... had to look it up. Learned something new today :happy
by DesertDiva
Tue Oct 01, 2019 6:09 pm
Forum: Personal Consumer Issues
Topic: Non stick pan preference?
Replies: 46
Views: 3537

Re: Non stick pan preference?

We banished teflon and the like years ago. Carbon steel for scrambled/fried eggs. Hot pan, add oil/butter, then eggs... With the technique above, it is possible to scramble eggs in a stainless pan with no sticking. The trick is to get the pan hot enough to curdle the eggs immediately when they hit ...
by DesertDiva
Mon Sep 30, 2019 6:20 pm
Forum: Investing - Theory, News & General
Topic: Stocks, Bonds and Gold are expensive at the same time
Replies: 13
Views: 1094

Re: Stocks, Bonds and Gold are expensive at the same time

Here's a great place to get started: https://www.bogleheads.org/wiki/Getting_started https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investing_start-up_kit <-- Pay special attention to the recommended reading list in the "Educate Yourself" section. Commit to the following: The Bogleheads® Philosoph...