Search found 118 matches

by Sagefemme
Tue Feb 23, 2021 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Best decision(s) in your financial life
Replies: 138
Views: 8979

Re: Best decision(s) in your financial life

In 1985, when I was 24, I got a bookkeeping job at a small company (actually a local franchise of a bigger company). My boss, who owned the local branch and was a super nice guy, described a benefit called a "401k plan." I'm not sure I even listened to his description, I just waited polite...
by Sagefemme
Sat Jan 30, 2021 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Car Spending Advice
Replies: 104
Views: 6856

Re: Car Spending Advice

I love this thread. I don't think this (arguing against the Volvo) is the hill you want to die on. Get her whatever car she wants. Maybe wait until after the baby comes; perhaps somehow your current cars will prove up to the task of conveying an 8 pound human :happy BUT BEWARE the unbelievable monet...
by Sagefemme
Fri Jan 29, 2021 5:19 pm
Forum: Investing - Theory, News & General
Topic: [wiki] Callan periodic table of investment returns
Replies: 109
Views: 8376

Re: [wiki] Callan periodic table of investment returns

I disagree on a Growth of 10k chart because it gives the wrong impression that Emerging Market Equity is what you should be investing in (if you started in 2001). What happens when you start investing in other years, such as 2007? Instead, how about the "Growth of Capital" chart that's in...
by Sagefemme
Mon Jan 18, 2021 5:54 pm
Forum: Personal Investments
Topic: Taxable Account Mutual Funds: Schwab or Vanguard
Replies: 12
Views: 1627

Re: Taxable Account Mutual Funds: Schwab or Vanguard

I have Vanguard ETFs at Schwab. Seems to work well. Considered moving to Vanguard to hold Vanguard MFs there but have other accounts (Roth IRA, tIRA) at Schwab and there's too much risk, in my case, of neglecting an account at a different brokerage. I need to keep it pretty simple!
by Sagefemme
Sun Jan 10, 2021 11:16 pm
Forum: Personal Consumer Issues
Topic: Nurse practitioner as primary care provider?
Replies: 76
Views: 6052

Re: Nurse practitioner as primary care provider?

This thread is rather entertaining to read being a nurse practitioner. Although not in primary care. Lots of varying opinions out there for sure. Have a blessed day. This!! I have read this whole thread with my mouth hanging open. Luckily I am mostly amused, not horrified. Amazing number of wrong a...
by Sagefemme
Sat Dec 19, 2020 10:32 pm
Forum: Personal Investments
Topic: Should I roll tIRA into 401k before I retire?
Replies: 22
Views: 1785

Re: Should I roll tIRA into 401k before I retire?

Will convert to Roth on Monday morning. The Fidelity guy who helped me get the funds into the IRA said "you can literally transfer the funds to Roth the moment we're done funding the IRA" which seems to be untrue; I can't transfer to the Roth today. I will do it first thing Monday morning...
by Sagefemme
Sat Dec 19, 2020 4:00 pm
Forum: Personal Investments
Topic: Should I roll tIRA into 401k before I retire?
Replies: 22
Views: 1785

Re: Should I roll tIRA into 401k before I retire?

Celia, thank you for your detailed reply. It is VERY helpful to have carefully worded and clearly stated information when you're trying to get your head around a bunch of concepts you haven't really considered before. I appreciate it very much! I am going to read your post (and the whole thread) sev...
by Sagefemme
Fri Dec 18, 2020 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Intro and Personal Finance Advice
Replies: 59
Views: 6301

Re: Intro and Personal Finance Advice

Good for you sticking with your plan. It's not easy to stop using/pay down credit cards. Although easier since COVID, no restaurants to go to, right?
by Sagefemme
Tue Dec 15, 2020 1:38 pm
Forum: Personal Investments
Topic: Should I roll tIRA into 401k before I retire?
Replies: 22
Views: 1785

Re: Should I roll tIRA into 401k before I retire?

There are several things to consider here. 1. Do you need to do Roth conversions on your tax-deferred accounts (your 401k, His 403b, and your tIRA)? Some people actually need to do Roth conversions to reduce the amount of money subject to RMDs at age 72. This is frequently done in early retirement ...
by Sagefemme
Tue Dec 15, 2020 1:09 pm
Forum: Personal Investments
Topic: Should I roll tIRA into 401k before I retire?
Replies: 22
Views: 1785

Re: Should I roll tIRA into 401k before I retire?

We have a taxable account worth 19% of our total investments. And yes, starting in 2021 we will have enough reduction in income to be able make direct contributions to a Roth (95% sure of this, will calculate our AGI for 2021 to be sure). *But I'm worried we won't have extra cash to make those cont...
by Sagefemme
Mon Dec 14, 2020 8:02 pm
Forum: Personal Investments
Topic: REIT vs owning rental property
Replies: 30
Views: 2554

Re: REIT vs owning rental property

I HATE it when Roto Rooter tells me this:

"there's also large decorative rocks and coral bits and broken marbles in there that can't be pushed down."

:)
by Sagefemme
Mon Dec 14, 2020 7:54 pm
Forum: Personal Investments
Topic: Should I roll tIRA into 401k before I retire?
Replies: 22
Views: 1785

Re: Should I roll tIRA into 401k before I retire?

Ok, given some more info, I have to back up a step and ask you why you are motivated to move your existing TIRA money into a Roth at all. What benefit do you believe that will net you? (It is possible that it won't actually net you any benefit.) The rule of thumb is that if you are in a lower tax b...
by Sagefemme
Mon Dec 14, 2020 4:22 pm
Forum: Personal Investments
Topic: Should I roll tIRA into 401k before I retire?
Replies: 22
Views: 1785

Re: Should I roll tIRA into 401k before I retire?

I just KNEW y'all would help me :happy ! I mentioned both converting and back-door-ing because I'm not sure how exactly we would get Roth monies to happen. Yes, our income was too high to contribute directly to Roth in the past. And yes, starting in 2021 we will have enough reduction in income to be...
by Sagefemme
Mon Dec 14, 2020 2:35 pm
Forum: Personal Investments
Topic: Should I roll tIRA into 401k before I retire?
Replies: 22
Views: 1785

Should I roll tIRA into 401k before I retire?

DH and I have a relatively large amount of our retirement savings in tax deferred vehicles (401k, 403B, and one tIRA which contains 100% pre-tax money). We have no Roth savings. We have a taxable account worth 19% of our total investments. I am thinking about ways to get some money in a Roth. I am s...
by Sagefemme
Sat Dec 12, 2020 11:38 am
Forum: Personal Investments
Topic: 401k - High Fees - Need Advice
Replies: 15
Views: 953

Re: 401k - High Fees - Need Advice

I succeeded in nicely "pestering" my employer to get more index funds into their 401K plan. What I discovered is that the persons (owners of the company) on the financial committee that meets with/takes recommendations from the local financial services company that makes the company plan w...
by Sagefemme
Sun Dec 06, 2020 11:57 am
Forum: Personal Investments
Topic: Should I pay off my new house I'm building?
Replies: 30
Views: 2126

Re: Should I pay off my new house I'm building?

That leaves the question of how to get my money back in the market for the long term. I think your idea is a good one. But I still have a gut feeling things are going to go south after the new year . I think I'll plan to make a lump sum investment of half in February or so then start DCAing the res...
by Sagefemme
Sat Dec 05, 2020 9:43 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 336
Views: 39127

Re: What have you baked recently?

Lemon almond ricotta cake which I will serve with a dollop of lemon curd and a few berries, tomorrow for my daughter's birthday. We are going to try to have cake with a few family members outside in the afternoon. Not sure how it will go; weather report for tomorrow mid 50s and overcast. I wish I ha...
by Sagefemme
Sun Nov 29, 2020 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Son diagnosed with Type 1 Diabetes - how prepare for future?
Replies: 55
Views: 4712

Re: Son diagnosed with Type 1 Diabetes - how prepare for future?

I strongly recommend looking into getting insulin from Canada or another country. It's several times less expensive for the same product. There are several online support groups and forums for both patients and parents. Have you looked at and/or joined them for tips and advice? My wife is on a bunc...
by Sagefemme
Sun Nov 29, 2020 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Son diagnosed with Type 1 Diabetes - how prepare for future?
Replies: 55
Views: 4712

Re: Son diagnosed with Type 1 Diabetes - how prepare for future?

I have a good friend whose 18 year old daughter, whom I have known since she was born, was diagnosed with T1 at age 6. My friend says having double insurance coverage for her daughter (my friend and her ex both work for a public university) has been extremely helpful. They have been astonished at t...
by Sagefemme
Sat Nov 28, 2020 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: How can I reduce my annual expenses: Budget help
Replies: 133
Views: 9703

Re: How can I reduce my annual expenses: Budget help

Lots of people who care about their health spend a lot on supplements. The evidence (high quality medical studies) is that in well-nourished Americans most supplements are not needed; some can even be harmful. It is however, VERY big business for the manufacturers. I think vitamin D could be argued ...
by Sagefemme
Sat Nov 28, 2020 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Son diagnosed with Type 1 Diabetes - how prepare for future?
Replies: 55
Views: 4712

Re: Son diagnosed with Type 1 Diabetes - how prepare for future?

I have a good friend whose 18 year old daughter, whom I have known since she was born, was diagnosed with T1 at age 6. My friend says having double insurance coverage for her daughter (my friend and her ex both work for a public university) has been extremely helpful. They have been astonished at th...
by Sagefemme
Sat Nov 28, 2020 10:10 am
Forum: Personal Finance (Not Investing)
Topic: How do you handle Christmas presents with your spouse?
Replies: 41
Views: 2560

Re: How do you handle Christmas presents with your spouse?

My husband and I debate nearly every year about which day our wedding anniversary is--I am sure it's May 24 and he is sure it's May 25. We never actually check to verify. The debate is kind of fun. You may guess that we got married on one week's notice in a judge's office with two friends as witness...
by Sagefemme
Sat Nov 28, 2020 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Housing once you have considerable assets
Replies: 49
Views: 4594

Re: Housing once you have considerable assets

I'm about to turn 60 and will "retire" (will quit my day job but not sure I won't work at something else next) very soon. We live in a modest house in a very pleasant older neighborhood, bought in 1995 when my kids (now gone) were very small. I'm watching friends, especially those who are ...
by Sagefemme
Sat Nov 28, 2020 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Housing once you have considerable assets
Replies: 49
Views: 4594

Re: Housing once you have considerable assets

TomatoTomahto wrote: Sat Nov 28, 2020 7:49 am OP, congrats on hitting the two comma club. Now, be careful not to get out over your skis. Man plans and God laughs.
This sentiment, said this way, is the thing. Love me some Bogleheads......
by Sagefemme
Sun Nov 22, 2020 3:55 pm
Forum: Personal Consumer Issues
Topic: Best fruit & veggie peeler?
Replies: 28
Views: 1744

Re: Best fruit & veggie peeler?

I like y--shaped peelers (my husband prefers the other shape) and buy them for $1.49 at Ikea whenever I am in there. I am in Ikea infrequently so I just buy 5 or 6 of them, plenty to last for the next 10-12 years! They are sharp enough to peel just about anything cleanly.
by Sagefemme
Mon Nov 16, 2020 7:22 pm
Forum: Personal Investments
Topic: Fido vs TIAA bond index funds
Replies: 19
Views: 1326

Re: Fido vs TIAA bond index funds

Thanks, everyone, for answering and for being knowledgeable!! I did email Allan Roth about this and he is a fan of this product. His off the top of his head suggestion is no more, and possibly less, than 50% of our bond allocation to TIAA. The rest to a liquid bond fund.
by Sagefemme
Sun Nov 15, 2020 2:51 pm
Forum: Personal Investments
Topic: Fido vs TIAA bond index funds
Replies: 19
Views: 1326

Re: Fido vs TIAA bond index funds

The money in his account comprises both employer and employee contributions. I will try to find out if there is a version of the product that is more liquid. But we aren't likely to absolutely NEED it to be liquid in the next 10-20 years, I think.
by Sagefemme
Sun Nov 15, 2020 2:49 pm
Forum: Personal Investments
Topic: Fido vs TIAA bond index funds
Replies: 19
Views: 1326

Re: Fido vs TIAA bond index funds

Interestingly, RM, after today's conversations about TIAA Trad, DH shows subtle signs of interest ("Wait, why didn't I know about this when I took this job in 1995?" is one comment I heard today......). It's a little frustrating; he's a MATHEMATICIAN for goodness sake, why don't these numb...
by Sagefemme
Sun Nov 15, 2020 1:14 pm
Forum: Personal Investments
Topic: Fido vs TIAA bond index funds
Replies: 19
Views: 1326

Re: Fido vs TIAA bond index funds

To be clear, my memory is that Wealth Logic did inquire whether TIAA Traditional was available to us. At the time I did not understand the product (I probably still don't) well enough to get that it was IMPORTANT to find this out. I should have made DH find it out. At the time he was being crabby ab...
by Sagefemme
Sun Nov 15, 2020 12:27 pm
Forum: Personal Investments
Topic: Fido vs TIAA bond index funds
Replies: 19
Views: 1326

Re: Fido vs TIAA bond index funds

Looks like DH does have TIAA Traditional available to him (I'm trying not to be annoyed that we didn't confirm this a few years ago--I'm pretty sure Alan Roth asked me about this and at the time I couldn't get DH, who has less than no interest in all this retirement stuff, to find out) at the 3% rat...
by Sagefemme
Sat Nov 14, 2020 10:18 pm
Forum: Personal Investments
Topic: Fido vs TIAA bond index funds
Replies: 19
Views: 1326

Re: Fido vs TIAA bond index funds

I'm not sure about TIAA Traditional, I will have to check on that.
by Sagefemme
Sat Nov 14, 2020 9:11 pm
Forum: Personal Investments
Topic: Fido vs TIAA bond index funds
Replies: 19
Views: 1326

Fido vs TIAA bond index funds

About two years ago DH and I simplified our various retirement accounts and changed our AA from 70/30 to 50/50. We worked with Alan Roth at Wealth Logic on this; I had to rearrange a complex taxable account that had too many funds and too many expensive funds. In the rearrange Alan recommended bond ...
by Sagefemme
Wed Nov 11, 2020 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: House Purchase Sanity Check
Replies: 92
Views: 6620

Re: House Purchase Sanity Check

This is an amazing thread--I am learning so much!! There is an amazing amount of perspective for the OP. And the plot keeps getting thicker. What I want to know is, what does your wife think of all this? Is she reading the posts/replies? I very much hope that whatever happens, you and she are FIRMLY...
by Sagefemme
Mon Jun 22, 2020 10:16 pm
Forum: Personal Investments
Topic: How do I calculate % of allocations across different accounts?
Replies: 36
Views: 2023

Re: How do I calculate % of allocations across different accounts?

Back to the beginning of this thread where livesoft suggested using the "Analysis" tab at Fidelity and you replied you don't have that tab. It sounds like you have your "start page" set to NetBenefits which is the employer area. From there click on the Menu tab in the black bar (...
by Sagefemme
Wed Jun 03, 2020 11:04 am
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 166
Views: 18283

Re: Older Women Lifting Weights

LadyGeek wrote: The Turkish Get Up is incredibly difficult to get the correct form. It took me over a week just to get close and it's still not right. All I could handle was a 10 lb weight. Today, I finally advanced to 12.5 lb. The best I can do is to focus on keeping my arm fully vertical for the d...
by Sagefemme
Wed May 20, 2020 11:45 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring Help
Replies: 85
Views: 4938

Re: Engagement Ring Help

I second the idea of spending some time on Pricescope.com. You will learn a lot and I bet you will buy the diamond online when all is said and done. Find out what your girl really wants (hack her Pintrest account or solicit info from her besties). I have two fairly valuable/sizeable diamond rings. O...
by Sagefemme
Mon Apr 27, 2020 11:53 am
Forum: Personal Consumer Issues
Topic: iPhone for Grandparents
Replies: 25
Views: 1674

Re: iPhone for Grandparents

I much prefer to Zoom or FaceTime on an iPad than on a phone. I have had good experiences buying used phones and an iPad on swappa.com. My rules for Swappa include only buying from someone with existing ratings (and I do read the ratings) and I usually go for "mint" condition which often a...
by Sagefemme
Mon Apr 06, 2020 10:53 pm
Forum: Personal Consumer Issues
Topic: Gardening 2020
Replies: 227
Views: 18010

Re: Gardening 2020

I have spent the last few days doing garden maintenance that has been deferred for many years (amazing what furlough from work results in). Pruned many overgrown shrubs and trees. Removed some perennials that have seen better days. Spread truckload after truckload of blended mint compost over every ...
by Sagefemme
Mon Apr 06, 2020 10:32 pm
Forum: Personal Investments
Topic: Seasoned Bogleheads; What 3 Things Have You Done Financially Related to the Economy Recently
Replies: 112
Views: 11527

Re: Seasoned Bogleheads; What 3 Things Have You Done Financially Related to the Economy Recently

1) Rebalanced according to plan. 2) TLH in my taxable account. 3) Reconsidered retirement at the end of 2020 (maybe not!). 4) Thanked my lucky stars that I have a Toto bidet toilet seat, which means TP is not needed, and is far more hygienic in the first place (just ask the Japanese, or anyone who h...
by Sagefemme
Mon Mar 16, 2020 10:18 pm
Forum: Personal Consumer Issues
Topic: Spring Break camping in Marin County
Replies: 2
Views: 326

Spring Break camping in Marin County

DH and I have been looking forward to a planned car camping and hiking trip with another couple to Samuel P Taylor State Park in Marin County California. Over the last few weeks it has seemed like a viable trip even with the virus situation. Now with the "lockdown" of 7 Bay Area counties i...
by Sagefemme
Fri Mar 13, 2020 10:12 am
Forum: Investing - Theory, News & General
Topic: Rebalancing into stocks when they fall is unrealistic
Replies: 160
Views: 14932

Re: Rebalancing into stocks when they fall is unrealistic

My investment plan (which I have only had for about a year) says rebalance Jan 1 and July 1 each year, and whenever the portfolio is 6% away from the designated AA of 50-50. July 1 of 2019 and Jan 1 of 2020 there was nothing to do, as I was still at 50-50 or very close. Yesterday I was at 44-56, and...
by Sagefemme
Sun Sep 29, 2019 7:02 pm
Forum: Personal Consumer Issues
Topic: Mid-Century Sofa - Quality of Online Brands / Midrange Chains
Replies: 36
Views: 6127

Re: Mid-Century Sofa - Quality of Online Brands / Midrange Chains

FWIW, I got a bed (The Culla Spindle) from Article. For the price (it was about 25% less than similar beds I saw online) the quality is great. Solid as a rock. Shipped beautifully, nothing scratched, broken, or missing, good assembly instructions. My daughter has a small sofa from Article which also...
by Sagefemme
Sat Jan 26, 2019 7:53 pm
Forum: Personal Consumer Issues
Topic: Waterpik
Replies: 28
Views: 3040

Re: Waterpik

I prefer water flossing to flossing with a string, but my hygienist recommends both. I try to do string flossing in the morning and water flossing before bed.
by Sagefemme
Sat Jan 26, 2019 7:52 pm
Forum: Personal Consumer Issues
Topic: Waterpik
Replies: 28
Views: 3040

Re: Waterpik

seity, will you share the technique you were taught? I don't know what the numbers are but my dial is set about halfway between min and max. I have turned it up higher but found somehow at the higher pressure I lost my grip on the handle easily. As some of you may have found out, two things happen w...
by Sagefemme
Sat Jan 26, 2019 2:41 am
Forum: Personal Consumer Issues
Topic: Hawaii vacation, any recommendations?
Replies: 39
Views: 4439

Re: Hawaii vacation, any recommendations?

I have been to all the islands of Hawaii; each has its charms. I just got back a few days ago from O'ahu. Stayed in a darling older bungalow (Air BnB) in a cute neighborhood walkable to Queen's beach, Diamond Head, and Waikiki. I really like the big city options of Honolulu (had some terrific food) ...
by Sagefemme
Mon Nov 26, 2018 11:00 pm
Forum: Personal Consumer Issues
Topic: Is good, quality luggage worth the price?
Replies: 94
Views: 8024

Re: Is good, quality luggage worth the price?

I have two rollerboards from Briggs and Riley. I bought them, very discounted, on Sierra Trading Post about 20 years ago. At the time I didn't know what B and R was. Now I understand what excellent luggage is. These two bags have been on hundreds of trips. They have been tossed around by the airline...
by Sagefemme
Mon Nov 26, 2018 10:18 pm
Forum: Personal Consumer Issues
Topic: "consultation fee": standard for preventative colonoscopy?
Replies: 81
Views: 6348

Re: "consultation fee": standard for preventative colonoscopy?

I am a nurse practitioner who assists at surgery (my employer is a reproductive endocrinologist and we do surgery one day per week, at an outpatient surgery center for straightforward laparoscopies, and at the main hospital for more complex cases). I don't see why a GI procedure like a colonoscopy s...
by Sagefemme
Sat Nov 24, 2018 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Helping elderly Mom with finances
Replies: 45
Views: 3864

Re: Helping elderly Mom with finances

bironology wrote: ↑Fri Nov 23, 2018 7:27 am Rick, duly noted, thanks for that advice. I agree autopay and account alerts are the way to go. Also noted on the predator risk. Not happening on my watch! I also will have PoA for my mom, in advance of when it's required. It can be a challenge to head of...
by Sagefemme
Sat Nov 10, 2018 3:01 am
Forum: Personal Consumer Issues
Topic: Moving to NYC without a job
Replies: 33
Views: 5466

Re: Moving to NYC without a job

I recommend fleshing out in your head all the steps involved if you were to move to New York, not find work, and end up moving back to Seattle. If that would be disastrous for you, emotionally, financially, or logistically, then don't go until you have a job secured. If your evaluation of the worst ...
by Sagefemme
Tue Nov 06, 2018 1:52 pm
Forum: Personal Investments
Topic: Frustrating issue with VG website. Need advice.
Replies: 12
Views: 1961

Re: Frustrating issue with VG website. Need advice.

I have the same problem at Fidelity. Two accounts with zero balances from an employer I haven't worked for since 2008. I gave up trying to get Fidelity to delete the accounts and just opted in my settings to hide them. They are still there, but they don't bother me any more.