Search found 314 matches

by elainet7
Wed Nov 06, 2019 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Best month to take RMDs?
Replies: 86
Views: 4551

Re: Best month to take RMDs?

roth conversion is considered a distribution
by elainet7
Tue Nov 05, 2019 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Big IRA accounts
Replies: 97
Views: 15248

Re: Big IRA accounts

most professionals have the majority of their wealth in ret accounts in the "day" reaching 3-4-5 million was not that crazy-COMPOUNDING and RULE of 72 and stock market crazy returns(80-90's) if we were aggressive at retirement it would be 6-7 million but we went conservative(MARGINAL UTILITY OF WEAL...
by elainet7
Sun Nov 03, 2019 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: No out of network coverage
Replies: 61
Views: 3669

Re: No out of network coverage

best-medicare plus supplemental-no brainer
advantage plans-limited docs/hospitals/drug coverage-taking a big chance if you want the best care anywhere in the country
by elainet7
Sun Nov 03, 2019 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Big IRA accounts
Replies: 97
Views: 15248

Re: Big IRA accounts

think when we started investing in l976 roths were not around; just prolific savings in office pension plan with both spouses on payroll put contributions in the first of most years for add'l compounding when you reach milestones, 100k, then 1M, its extremely rewarding simple index investing as per ...
by elainet7
Sun Nov 03, 2019 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Big IRA accounts
Replies: 97
Views: 15248

Re: Big IRA accounts

we amassed a large IRA by starting right out of the gate and being invested in equities in the 80-90's in index funds thanks to our readings from Bogle and Malkiel-not that difficult to achieve over 40yrs-now its growing and we have taken substantial distributions from age 60-70(present) should have...
by elainet7
Sat Nov 02, 2019 5:09 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 372
Views: 63866

Re: Bonds - Throw it all on the table!!!

PFFD preferred stock index fund-acts like bonds
by elainet7
Mon Oct 28, 2019 5:32 pm
Forum: Personal Investments
Topic: Portfolio Review - Some Serious Changes Needed
Replies: 12
Views: 1534

Re: Portfolio Review - Some Serious Changes Needed

simplify and declutter this portfolio with vanguard to the greatest degree possible
this is one big mess
by elainet7
Tue Oct 15, 2019 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Frustrated with dentist fees
Replies: 82
Views: 6207

Re: Frustrated with dentist fees

most plans have copays and deductibles
some procedures like a BUILD UP for a crown might not be covered
Insurance does not cover 100% of care and pts do not want to pay
by elainet7
Sat Oct 12, 2019 4:41 pm
Forum: Personal Investments
Topic: Municipal Bond Now vs In Retirement?
Replies: 12
Views: 1082

Re: Municipal Bond Now vs In Retirement?

always bought long term munis knowing I would not need to redeem
otherwise stick to a tax free bond fund
by elainet7
Sat Oct 12, 2019 4:39 pm
Forum: Personal Investments
Topic: Young Investor - Portfolio Advice
Replies: 10
Views: 1037

Re: Young Investor - Portfolio Advice

put all your stock holdings in vanguard total stock and bonds in total bond
by elainet7
Thu Oct 10, 2019 7:06 am
Forum: Personal Investments
Topic: Preferred Stock Index Fund
Replies: 49
Views: 5435

Re: Preferred Stock Index Fund

Sticking with PFFD for a small % of my income portfolio
by elainet7
Wed Oct 09, 2019 10:18 am
Forum: Investing - Theory, News & General
Topic: Secondary vs new brokered CDs
Replies: 11
Views: 723

Re: Secondary vs new brokered CDs

non callable brokered cds at vanguard are selling at 110-112; crazy to pay
by elainet7
Wed Oct 09, 2019 7:22 am
Forum: Investing - Theory, News & General
Topic: Secondary vs new brokered CDs
Replies: 11
Views: 723

Re: Secondary vs new brokered CDs

the non callable cds secondary are priced Way Above Par-no way I would buy them
New Issues are non callable generally at Vanguard
by elainet7
Tue Oct 08, 2019 12:59 pm
Forum: Investing - Theory, News & General
Topic: Secondary vs new brokered CDs
Replies: 11
Views: 723

Re: Secondary vs new brokered CDs

higher rates but all are callable unfortunately
by elainet7
Mon Oct 07, 2019 9:55 am
Forum: Personal Consumer Issues
Topic: Would or should you tip AAA road assistance?
Replies: 67
Views: 4886

Re: Would or should you tip AAA road assistance?

Always tip if u r happy with the service. 5 bucks normally
U guys are cheap
by elainet7
Mon Oct 07, 2019 9:08 am
Forum: Personal Consumer Issues
Topic: LG Refrigerator/Freezer lack of service saga
Replies: 39
Views: 2720

Re: LG Refrigerator/Freezer lack of service saga

Appliance repair man told us most recently when our 4 yr Frigidaire control board and fan went that they are all crap
The older models without the motherboards have lasted 20-30 yrs
by elainet7
Mon Oct 07, 2019 9:03 am
Forum: Personal Investments
Topic: Preferred Stock Index Fund
Replies: 49
Views: 5435

Re: Preferred Stock Index Fund

We have owned vanguard hi yield bonds for a very long time and now added preferred stock etf at a very small% of portfolio
by elainet7
Sat Oct 05, 2019 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Combined deductible and non-deductible TIRA contributions
Replies: 31
Views: 1236

Re: Combined deductible and non-deductible TIRA contributions

The reason to separate is that you know exactly which is which
No big deal to have two separate Ira accounts or three if you have a roth
by elainet7
Sat Oct 05, 2019 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Combined deductible and non-deductible TIRA contributions
Replies: 31
Views: 1236

Re: Combined deductible and non-deductible TIRA contributions

If you have traditional and non deductible it just seems logical to keep them separate
by elainet7
Sat Oct 05, 2019 11:46 am
Forum: Personal Investments
Topic: Preferred Stock Index Fund
Replies: 49
Views: 5435

Re: Preferred Stock Index Fund

Wonder why rick Ferri incorporates them in to his core 4 income portfolio
My community invests some of their reserve fund in preferreds
by elainet7
Fri Oct 04, 2019 5:10 pm
Forum: Personal Investments
Topic: Preferred Stock Index Fund
Replies: 49
Views: 5435

Preferred Stock Index Fund

PFF or PFFD Any thoughts for income portfolio??
by elainet7
Fri Oct 04, 2019 1:47 pm
Forum: Personal Investments
Topic: Mid-Life Portfolio Review
Replies: 6
Views: 759

Re: Mid-Life Portfolio Review

can you stomach a 50% loss?
by elainet7
Fri Oct 04, 2019 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Combined deductible and non-deductible TIRA contributions
Replies: 31
Views: 1236

Re: Combined deductible and non-deductible TIRA contributions

keep the non deductible ira in a separate account and maintain a file with all the IRS returns
think its form 8606
DO NOT CO MINGLE traditional with non ded iras
by elainet7
Thu Oct 03, 2019 6:58 pm
Forum: Investing - Theory, News & General
Topic: Know when to hold them and when to fold them......
Replies: 148
Views: 13853

Re: Know when to hold them and when to fold them......

Buffett has told his wife to invest 90% of their money in the sp500 index fund
Who better to listen to
by elainet7
Wed Oct 02, 2019 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Wedding Finances-Today
Replies: 107
Views: 8388

Re: Wedding Finances-Today

no thing as a cheap wedding
by elainet7
Wed Oct 02, 2019 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Wedding Finances-Today
Replies: 107
Views: 8388

Re: Wedding Finances-Today

No planner-waste of $$
find your caterer and he will refer you foe music, flowers, photo
by elainet7
Tue Oct 01, 2019 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: How to find the best credit card promotion?
Replies: 47
Views: 3729

Re: How to find the best credit card promotion?

would inquire if they double warranty on appliances/tvs/etc
my jet blue cc does not
by elainet7
Mon Sep 30, 2019 8:18 pm
Forum: Personal Investments
Topic: How do early retirees survive bad markets?
Replies: 26
Views: 4981

Re: How do early retirees survive bad markets?

Just understand Sequence of Risk!!!
by elainet7
Sun Sep 29, 2019 8:38 am
Forum: Personal Investments
Topic: How do early retirees survive bad markets?
Replies: 26
Views: 4981

Re: How do early retirees survive bad markets?

by having buckets for the first 8 years for fixed expenses
by elainet7
Sun Sep 29, 2019 8:37 am
Forum: Investing - Theory, News & General
Topic: Ken Fisher wants you to know that he cares...
Replies: 49
Views: 4498

Re: Ken Fisher wants you to know that he cares...

how do you stop getting his mailings
by elainet7
Sat Sep 28, 2019 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: My Personal Finance Breakdown... Good Start?
Replies: 11
Views: 1682

Re: My Personal Finance Breakdown... Good Start?

BUY THE CAR get off the lease treadmill
by elainet7
Tue Sep 24, 2019 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: How to find the best credit card promotion?
Replies: 47
Views: 3729

Re: How to find the best credit card promotion?

Chase sapphire preferred. 600 cash back or 60k miles. 95 fee
by elainet7
Tue Sep 24, 2019 6:27 pm
Forum: Personal Investments
Topic: How many investments are enough?
Replies: 13
Views: 1160

Re: How many investments are enough?

Go with vanguard
I would redeem bonds and put all in total stock mkt
You are in low tax bracket
by elainet7
Tue Sep 24, 2019 12:41 pm
Forum: Personal Investments
Topic: Has the bond bubble finally arrived? If so, is anyone doing anything about it?
Replies: 97
Views: 11387

Re: Has the bond bubble finally arrived? If so, is anyone doing anything about it?

Long Term Bonds are up almost 25% YTD. Sell? and do what the yield is around 3.2%
by elainet7
Tue Sep 24, 2019 12:19 pm
Forum: Personal Investments
Topic: Rick Ferri Fixed Income Portfolio Funds
Replies: 48
Views: 11973

Re: Rick Ferri Fixed Income Portfolio Funds

Have some considerable assets in long term bond funds, Vanguard of course, with YTD gains nearing 25%!!!!
If I sell where to put the money?
what say you
by elainet7
Sun Sep 22, 2019 6:41 pm
Forum: Personal Consumer Issues
Topic: Need new Refrigerator
Replies: 19
Views: 1602

Re: Need new Refrigerator

exactly, but with no experience nor willing to pay more than half of what the new one costs, I bought a Samsung
the old one was Frigidaire
its basically these computers in everything; the old simple appliances last
by elainet7
Sat Sep 21, 2019 8:00 pm
Forum: Personal Consumer Issues
Topic: Need new Refrigerator
Replies: 19
Views: 1602

Re: Need new Refrigerator

bought another fridge instead of spending 50% of a new exact one
the control board or mother board as called died
crazy to read that fridges last 5-10years generally
by elainet7
Sat Sep 21, 2019 8:05 am
Forum: Personal Consumer Issues
Topic: Need new Refrigerator
Replies: 19
Views: 1602

Need new Refrigerator

5 yr old Frigidaire Gallery needs new fan and control board-not worth spending a few hundred
Any suggestions for replacement? thanx
by elainet7
Fri Sep 20, 2019 12:22 pm
Forum: Personal Investments
Topic: Get Rid of FA. Create Single Fund Retirement Portfolio
Replies: 11
Views: 1649

Re: Get Rid of FA. Create Single Fund Retirement Portfolio

Vanguard Star Fund-fund of funds, diversified, worth a look
by elainet7
Fri Sep 20, 2019 10:45 am
Forum: Personal Investments
Topic: Rick Ferri Fixed Income Portfolio Funds
Replies: 48
Views: 11973

Re: Rick Ferri Fixed Income Portfolio Funds

We have had some cds called recently and not sure where to go
10yr cds paying 2.4 and the MM not much less
Any ideas???
by elainet7
Fri Sep 20, 2019 8:32 am
Forum: Personal Investments
Topic: Rick Ferri Fixed Income Portfolio Funds
Replies: 48
Views: 11973

Re: Rick Ferri Fixed Income Portfolio Funds

Vanguards td funds all include some intl bond fund
by elainet7
Thu Sep 19, 2019 4:30 pm
Forum: Investing - Theory, News & General
Topic: Management Fees [for an over-]55 Community Reserve Fund
Replies: 32
Views: 1796

Re: Management Fees [for an over-]55 Community Reserve Fund

surely they investigated if equities can be used as an investment vehicle
I know its a small% and they are DCA in to the sp500 index
by elainet7
Thu Sep 19, 2019 4:17 pm
Forum: Personal Investments
Topic: Rick Ferri Fixed Income Portfolio Funds
Replies: 48
Views: 11973

Re: Rick Ferri Fixed Income Portfolio Funds

Ric Ferri Cor 4 Income is Hi Dividends US and Intl, Preferreds, and Corporates
I am in three, not int'l bonds or intl dividends
by elainet7
Thu Sep 19, 2019 11:12 am
Forum: Investing - Theory, News & General
Topic: Management Fees [for an over-]55 Community Reserve Fund
Replies: 32
Views: 1796

Re: Management Fees 55 Community Reserve Fund

vanguard charges .2% on 5-10 million
not sure if they do corporation account which is what we are
by elainet7
Thu Sep 19, 2019 10:50 am
Forum: Investing - Theory, News & General
Topic: Management Fees [for an over-]55 Community Reserve Fund
Replies: 32
Views: 1796

Re: Management Fees 55 Community

there is an investment committee
surely the law allows some equity investments
the reserves are needed for future capital improvements like roof replacements
when you buy here there is a $1500 fee to the community, one time
my issue is that they are paying .6% fee to manage a bond account
by elainet7
Thu Sep 19, 2019 7:07 am
Forum: Investing - Theory, News & General
Topic: Management Fees [for an over-]55 Community Reserve Fund
Replies: 32
Views: 1796

Re: Management Fees 55 Community

its obviously the associations investment portfolio(reserve fund)
by elainet7
Wed Sep 18, 2019 8:17 pm
Forum: Investing - Theory, News & General
Topic: Management Fees [for an over-]55 Community Reserve Fund
Replies: 32
Views: 1796

Re: Management Fees 55 Community

55 community means you have to be that age or older to live here-basically no kids for the most part