Search found 16 matches

by orangesherbet
Wed Jul 03, 2019 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: House, auto and umbrella insurance increases?
Replies: 10
Views: 832

Re: House, auto and umbrella insurance increases?

Our homeowners and auto went up. Umbrella has stayed about the same. For the homeowners, I am out west and all agents are telling me rates are up because of the California wildfires and how many claims they’ve had to pay. For the auto, I answered more questions than I needed to on the mileage sheet....
by orangesherbet
Wed Jul 03, 2019 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Do we need life and/or disability insurance?
Replies: 7
Views: 384

Do we need life and/or disability insurance?

Our term life policies are ending soon, so I started to shop for a new policy. But now having done more reading, wondering if we don’t need insurance at all? We are mid and late 40s with three kids, youngest set to graduate from college in 15 years. A 4% draw on current retirement savings would cove...
by orangesherbet
Mon Jul 01, 2019 9:48 am
Forum: Personal Investments
Topic: how do commission-free ETFs work?
Replies: 7
Views: 1061

Re: how do commission-free ETFs work?

Commission-free ETFs work just like commission-free stocks. Since the OP has traded stocks, they are familiar with ETFs by extrapolation. Perhaps I should have included a caveat that the last time I bought an individual stock was pre-Y2K, the "low cost" brokerages were charging $29.95 per trade and...
by orangesherbet
Sat Jun 29, 2019 2:58 pm
Forum: Personal Investments
Topic: how do commission-free ETFs work?
Replies: 7
Views: 1061

how do commission-free ETFs work?

I've bought shares of individual stocks and I've bought mutual funds at Vanguard, but I've never bought an ETF. The reason I want to do an ETF is because I read here that if you have a Fidelity taxable account, ETFs have a better tax treatment than index funds. And then I ran into that some ETFs are...
by orangesherbet
Wed Mar 13, 2019 10:47 am
Forum: Personal Consumer Issues
Topic: Vacation Home: Own vs. Rent??
Replies: 42
Views: 4142

Re: Vacation Home: Own vs. Rent??

If you have liked the Airbnb rentals I would stick with that because as you concluded, it’s a much better financial decision, offers variety etc. We have a vacation home and are very conscious that it’s our highest consumption item. In my case we apparently can’t vacation anywhere but at home (beds ...
by orangesherbet
Wed Mar 13, 2019 2:19 am
Forum: Personal Consumer Issues
Topic: Peanut Butter recommendations
Replies: 84
Views: 6950

Re: Peanut Butter recommendations

I like Trader Joe’s peanut butter. Have to turn it upside down and let it sit for a while to get the oil to mix, and then hand stir it quite a bit. But I think it is tasty. Me too! I like the Valencia one. Dry roasted Valencia peanuts and salt. I only stir it once, when we first open it, and not ve...
by orangesherbet
Wed Mar 13, 2019 1:39 am
Forum: Personal Investments
Topic: Spouse wants to buy individual stocks
Replies: 78
Views: 6361

Re: Spouse wants to buy individual stocks

Jason Zweig, WSJ, used the language: lockbox and sandbox. Buying individual stocks, if any, he advises be a very small percentage of your portfolio and be in your sandbox See my Post 22. Sandbox https://grandmasinvestingforbeginners.blog/ Grandma Sylvia I enjoyed your blog post. You're a talented w...
by orangesherbet
Wed Mar 13, 2019 1:30 am
Forum: Personal Investments
Topic: Fidelity 401k options and working them into overall portfolio
Replies: 6
Views: 939

Re: Fidelity 401k options and working them into overall portfolio

Duckie, thank you for the analysis and suggestions! In response to your questions: $0 her SEP IRA ( will shift max allowed from Taxable to SEP IRA, but it's not new money ) What do you mean here? Is this SEP IRA her employer's plan or is she self-employed? If self-employed, does she have employees? ...
by orangesherbet
Wed Mar 13, 2019 1:16 am
Forum: Personal Investments
Topic: Spouse wants to buy individual stocks
Replies: 78
Views: 6361

Re: Spouse wants to buy individual stocks

Not sure what you mean. Yes, if my Amazon holding goes from $20 to $1500, I would rather be taxed using long term capital gain rate of 0% or 15% rather than my marginal rate (which is always higher). I also wouldn't want those gains subject to RMDs. $1 goes into 401k pre-tax, grows risk-free over 2...
by orangesherbet
Wed Mar 13, 2019 1:01 am
Forum: Personal Investments
Topic: Spouse wants to buy individual stocks
Replies: 78
Views: 6361

Re: Spouse wants to buy individual stocks

I had an uncle whose business made around 10-20 million in the 1980's. He invested those millions using Elliott Wave Theory and Fibonacci timing and playing the Wall Street 'game'. Ended up with a few hundred thousand dollar estate. If he had simply bought and held anything during the 80's and 90's...
by orangesherbet
Tue Mar 12, 2019 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Work or stay home for 1 year
Replies: 30
Views: 2176

Re: Work or stay home for 1 year

It sounds like your jobs have you both super stressed out. Rather than making a 180 degree change that can only be temporary, if at all possible I would try to find a more permanent solution that can be your new reality. As in, a pay cut for a job that is fewer hours and more flexible, or contract w...
by orangesherbet
Mon Mar 11, 2019 7:08 pm
Forum: Personal Investments
Topic: Fidelity 401k options and working them into overall portfolio
Replies: 6
Views: 939

Re: Fidelity 401k options and working them into overall portfolio

In your 401k what is the fund company which manages each of these funds, and the index used by each fund? International Equity Index Fund 0.078% Large Cap Equity Index Fund 0.015% Bond Index Fund 0.039% Ah thank you for the explanation. Here is the info: International Equity Index Fund 0.078% Black...
by orangesherbet
Mon Mar 11, 2019 6:34 pm
Forum: Personal Investments
Topic: Fidelity 401k options and working them into overall portfolio
Replies: 6
Views: 939

Fidelity 401k options and working them into overall portfolio

Had a good convo with my husband on our retirement assets and now am looking to re-allocate... specifically, choosing new options for his 401k accounts. Questions: 1) Bonds go into tax-advantaged, right? So should move the 7% of bonds currently in taxable, into one of his Fidelity accounts. 2) How d...
by orangesherbet
Mon Mar 11, 2019 6:19 pm
Forum: Personal Investments
Topic: Spouse wants to buy individual stocks
Replies: 78
Views: 6361

Re: Spouse wants to buy individual stocks

OP again with an update post-convo with spouse... he is actually in agreement with the big picture 70/30 asset allocation (I wasn't sure what to expect here, I thought he might have been thinking that I was being too conservative). We agreed on a 10k hobby/experiment taxable brokerage account. Howev...
by orangesherbet
Mon Mar 11, 2019 11:25 am
Forum: Personal Investments
Topic: Spouse wants to buy individual stocks
Replies: 78
Views: 6361

Re: Spouse wants to buy individual stocks

OP here. Thank you for all of the really thoughtful suggestions and ideas, plus book recommendations. We are novices at investing and your input is truly appreciated. We are new at investing because 2/3 of our nestegg is equity from a home sale when we downsized not too long ago. We had been aggress...
by orangesherbet
Sun Mar 10, 2019 7:19 pm
Forum: Personal Investments
Topic: Spouse wants to buy individual stocks
Replies: 78
Views: 6361

Spouse wants to buy individual stocks

I know I am asking this in a bogleheads forum, but - can individual stocks ever have a place in a portfolio? My husband and I aren't in complete agreement. I am relatively conservative and risk-averse. He sees opportunity in individual stocks. Currently he is trading them in his 401k :shock: which I...