Search found 39 matches

by GingerU
Tue Sep 15, 2020 1:15 am
Forum: Personal Consumer Issues
Topic: Retirement home Job opportunity for teenager / pros cons
Replies: 18
Views: 949

Retirement home Job opportunity for teenager / pros cons

A teen in my family wants to take a job delivering meals On trays to residents in a care home. Residents in the care home are fairly mobile its more of assisted living. The job pays just slightly better than minimum wage. They want the job because some of their friends work there and with all school...
by GingerU
Sun Apr 19, 2020 4:43 pm
Forum: Personal Investments
Topic: Seasoned Bogleheads; What 3 Things Have You Done Financially Related to the Economy Recently
Replies: 112
Views: 11387

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

Thanking everyone for weighing in on this post. What I took away: - Most are not doing much new but the few that are have; 1) Rebalanced 2) done Tax Loss Harvesting What I will do based on these posts: 1) Stand firm on an idea to NOT get a better apartment (this would equate to a >$1K/mo rent hike i...
by GingerU
Sat Apr 04, 2020 5:59 pm
Forum: Personal Investments
Topic: Seasoned Bogleheads; What 3 Things Have You Done Financially Related to the Economy Recently
Replies: 112
Views: 11387

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

Bogleheads, As a maturing Boglehead, i'm not panicking but I am concerned with a loss of about 8% total in my portfolio due to current conditions. I have a great emergency fund so I'm stable. No job impacts (still working, differently), although my stock grants are now likely to be sold at a loss. W...
by GingerU
Thu Jan 30, 2020 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: Furnace in Apartment released dust, what should I do?
Replies: 2
Views: 477

Furnace in Apartment released dust, what should I do?

Bogleheads, The furnace in my apartment released soot and it's been a mess. I'm not on lease anymore but still in good standing. I would like to leave as I don't like the fact that the cleanup will take a long time. Do you have any recommendations on what to do? Do you think I can get compensation f...
by GingerU
Sat Jun 15, 2019 3:27 pm
Forum: Personal Investments
Topic: Portfolio Review - 2019
Replies: 6
Views: 1265

Re: Portfolio Review - 2019

Amazing advice. I didn't know about the bonds and REITs in the taxable accounts as being inefficient. Many thanks!!
by GingerU
Sat Jun 15, 2019 10:32 am
Forum: Personal Investments
Topic: Portfolio Review - 2019
Replies: 6
Views: 1265

Re: Portfolio Review - 2019

I updated this portfolio review with more details, expense ratios and other info about funds. Please let me know your thoughts. What am I missing?
by GingerU
Sat Jun 15, 2019 2:23 am
Forum: Personal Investments
Topic: Portfolio Review - 2019
Replies: 6
Views: 1265

Portfolio Review - 2019

Bogleheads, It's almost halfway through the year, can you help me with ideas on how to improve my portfolio? (added more details on ERs). Basic Info: Emergency funds: $90k / 22 months living expenses Debt: 0 /none Tax Filing Status: Single Tax Rate: 32% Federal, 10% State State of Residence: CA Age:...
by GingerU
Wed Jan 24, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Disaster with Verizon Billing after Moving
Replies: 4
Views: 940

Re: Disaster with Verizon Billing after Moving

I was not aware of any collections actions. When I moved they wouldn't let me pay the final bill online and I didn't have the account number. When they finally send me the paper final bill I paid that on time using the address in the bill (Verizon). My account is paid in fill. They have a mark on my...
by GingerU
Tue Jan 23, 2018 1:39 am
Forum: Personal Consumer Issues
Topic: Disaster with Verizon Billing after Moving
Replies: 4
Views: 940

Disaster with Verizon Billing after Moving

Bogleheads, I have had a disastrous experience with Verizon Residential phone service after I moved. I did not have access to the final bill and they would not let me make the payment online. After many communications and finally getting the final bill and paying it off, I discovered that they made ...
by GingerU
Wed Aug 16, 2017 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Rent Out or Sell My Condo...
Replies: 21
Views: 3000

Re: Rent Out or Sell My Condo...

I think its FOLO (Fear of Losing Out) rearing it's ugly head with me. My neighborhood is taking off and my place can appreciate a good amount. But not sure wait and see if worth losing the possibility of gains on 150-200K
by GingerU
Tue Aug 15, 2017 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Rent Out or Sell My Condo...
Replies: 21
Views: 3000

Re: Rent Out or Sell My Condo...

Nobody really discussed much about depreciation and deducting expenses. Won't that make renting more attractive?
by GingerU
Tue Aug 15, 2017 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Rent Out or Sell My Condo...
Replies: 21
Views: 3000

Re: Rent Out or Sell My Condo...

If it's a good investment, your going to be relying on appreciation, which you should probably have a compelling argument for. Something like this area is just starting to gentrify and the city overall is experiencing tremendous growth. Without that, and especially since you take your gains tax fre...
by GingerU
Mon Aug 14, 2017 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Rent Out or Sell My Condo...
Replies: 21
Views: 3000

Re: Rent Out or Sell My Condo...

:confused Everyone thanks for your ideas. I'm still a bit unsure what to do, mostly due to the long term uncertainty. I just fear being priced out if I ever came back but selling makes a ton of sense. What would you do with the sales funds?
by GingerU
Mon Aug 14, 2017 12:30 am
Forum: Personal Finance (Not Investing)
Topic: Rent Out or Sell My Condo...
Replies: 21
Views: 3000

Re: Rent Out or Sell My Condo...

Also if you have ideas about how deductions would factor in let me know.
by GingerU
Sun Aug 13, 2017 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Rent Out or Sell My Condo...
Replies: 21
Views: 3000

Rent Out or Sell My Condo...

Bogleheads I have seen a few Rent out vs Sell posts but I haven't seen too many with the numbers. I am moving for a new job. I may come back to the area where my Condo is after a few years, but not sure. What are your thoughts on renting out..using a property manager or selling and running? What wou...
by GingerU
Thu Jun 22, 2017 7:00 pm
Forum: Investing - Theory, News & General
Topic: Moving to SF Bay Area, Considering REITs for investments
Replies: 14
Views: 3698

Re: Moving to SF Bay Area, Considering REITs for investments

Thanks Bogleheads. Really sound ideas on both sides of my debate.
by GingerU
Sun Jun 18, 2017 9:49 pm
Forum: Investing - Theory, News & General
Topic: Moving to SF Bay Area, Considering REITs for investments
Replies: 14
Views: 3698

Moving to SF Bay Area, Considering REITs for investments

Bogleheads, I am moving to the San Francisco Bay area for a job opportunity. I really like the Bay Area and want to live close to work which is the Palo Alto area. That said, I don't believe that I will be able to afford to purchase property here - I am on one income and moving to a very high cost o...
by GingerU
Thu Jul 07, 2016 8:24 am
Forum: Personal Investments
Topic: Invest in CD or not, need some perspectives please
Replies: 3
Views: 500

Invest in CD or not, need some perspectives please

I have a family member that has a small amount of retirement savings. They were a small business owner and didn't do much of any investing. Now that they are retired they are interested in placing a sum in a CD for a year or so. Basically they want some growth and no risk. Something better than a sa...
by GingerU
Sun Jul 05, 2015 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: How to Find Out what a real estate LLC is investing in?
Replies: 1
Views: 584

How to Find Out what a real estate LLC is investing in?

I am trying to find out what other investments a Real Estate LLC is holding as they are interested in purchasing a unit in my condominium complex. Is there a database or website where I can find this type of information? State is MA.
by GingerU
Wed Mar 11, 2015 11:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20319
Views: 2777802

Re: U.S. stocks in freefall

I'm not trying to time the market but I bought some ETFs (ITOT through Fidelity) about a for several months now and i'm not seeing any progress. It seems that the market is unstable that I should wait before making any further investments. I don't think Thoughts? Are any of you holding off expecting...
by GingerU
Sat Mar 07, 2015 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: How to help family from over-giving to their financial ruin
Replies: 8
Views: 1309

Re: How to help family from over-giving to their financial r

BL wrote:Would she consider a SPIA? At least that would have regular income the rest of her life and she wouldn't have a risk of running out in the future. It won't stop her from giving it away, however, piece by piece.
What is a SPIA?
by GingerU
Sat Mar 07, 2015 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: How to help family from over-giving to their financial ruin
Replies: 8
Views: 1309

Re: How to help family from over-giving to their financial r

I have tried that. Tried telling her about the BH mindset towards finances. I guess i'm looking for stories, examples of how to deal with this challenging family ties. Any posts anyone can recommend for me to read? How do you influence someone to be more assertive about their financial life?
by GingerU
Sat Mar 07, 2015 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: How to help family from over-giving to their financial ruin
Replies: 8
Views: 1309

How to help family from over-giving to their financial ruin

Looking for some fresh perspectives for a perplexing family finances issue. My mother is a generous person, almost to a fault. Making things worse, she has family that are like leeches emotionally and financially. Always taking and never giving back, in fact they have denied that she helped them eve...
by GingerU
Tue Feb 17, 2015 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Share tools/tips to help with tax planning 2016?
Replies: 2
Views: 363

Share tools/tips to help with tax planning 2016?

I just finished preparing my paperwork for taxes and it didn't take too long, maybe about 2-3 hours. I wanted to ask Bogleheads how do you manage your paperwork etc. for tax planning. Do you have an interesting way of saving receipts? Keeping track of expenses? A special itemizer? I would like to st...
by GingerU
Tue Feb 17, 2015 9:58 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Lashes Out at His Financial Critics
Replies: 89
Views: 29503

Re: Dave Ramsey Lashes Out at His Financial Critics

When I go to Half Price Books and peruse the personal finance section I see lots of Kiyosaki/Ormann/Ramsey books. I rarely come across one of Bogle's books. :D Hilarious!! Since I started my boglehead journey, I try really hard to get books from the library instead of buying. In my community librar...
by GingerU
Mon Feb 02, 2015 11:03 am
Forum: Personal Consumer Issues
Topic: Bogleheads has made me obsessive about our money
Replies: 41
Views: 7393

Re: Bogelheads has made me obsessive about our money

I understand your sentiment and have to say sometimes I get concerned that why did I wait so long to get things together but if not for this forum and some good book recommendations I would be ignorantly financially lost. Develop some gratitude for yourself that at least you were able to course corr...
by GingerU
Mon Jan 05, 2015 1:02 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20319
Views: 2777802

Re: U.S. stocks in freefall

I'm curious also about this freefall today. I had planned to buy some ETFs today (ITOT and AGG) but seeing the declines I'm wondering if I should wait to see if things go lower. I'm not a fan of timing the market as I have learned thru this forum but would it be reckless for me to invest now?
by GingerU
Mon Jan 05, 2015 12:57 pm
Forum: Personal Investments
Topic: Can I max out 401K contribution and expect company match ?
Replies: 4
Views: 959

Can I max out 401K contribution and expect company match ?

This post will show you how green I am to investment and retirement planning. I have always hesitated to max out my 401K contribution as I felt that if my company decided to do a match and I had come to the max, I wouldn't get the full match. I read something recently that is leading me to believe t...
by GingerU
Sun Jan 04, 2015 12:50 am
Forum: Personal Investments
Topic: Help with Bond ETFs - new investor - what to consider?
Replies: 2
Views: 670

Help with Bond ETFs - new investor - what to consider?

I have been reading some older posts about whether or not to add Bonds to a new portfolio but i feel a bit confused with some of the discussions. The idea that as interest rates rise, Bonds may not be so good. I'm not sure what I need to be considering. I consider myself a relatively conservative mi...
by GingerU
Mon Dec 29, 2014 7:07 pm
Forum: Personal Investments
Topic: Deciding on ETF at Fidelity or Vanguard, or something else
Replies: 8
Views: 1281

Deciding on ETF at Fidelity or Vanguard, or something else

Bogleheads, I have about $4K that I would like to invest in ETFs and contribute $300/month toward that. I have narrowed the list down to the following below and wanted to know if you have any perspectives. My situation is that i'm in the early phases process of getting my financial life in order. I ...
by GingerU
Wed Nov 12, 2014 1:02 pm
Forum: Personal Investments
Topic: Recommendation on Where to Invest 4K with Fidelity?
Replies: 2
Views: 472

Recommendation on Where to Invest 4K with Fidelity?

I have about $4K in an account with Fidelity, currently in cash and stocks. My issue is that I want an account where my funds are growing progressively with minimal checking on my part. I'm ready to sell the common stock and was initially looking at Index Funds but those carry a redemption period an...
by GingerU
Tue Nov 11, 2014 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: HoA for Building - What to consider for a Subdivision
Replies: 5
Views: 746

Re: HoA for Building - What to consider for a Subdivision

Helpful ideas. If anyone has any resources, articles or anything that I can learn from please do send my way. I'd like some frameworks for analyzing the situation from a financial and legal perspective.
by GingerU
Tue Nov 11, 2014 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: HoA for Building - What to consider for a Subdivision
Replies: 5
Views: 746

HoA for Building - What to consider for a Subdivision

Bogleheads, I live in a building that has a big commercial unit mixed with residential owned units. The commercial owners want to divide their unit to two or three smaller units to possibly sell one and rent the others. What are some steps the management needs to take to analyze whether this is a go...
by GingerU
Mon Nov 03, 2014 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Positive Experiences working with a Broker for a Refinance
Replies: 3
Views: 654

Positive Experiences working with a Broker for a Refinance

I am shopping around for a mortgage refinance and although the rates are decent I can't help but feel that I could do better. I wanted to see if anyone has had positive experiences working with a Mortgage Broker.
by GingerU
Sat Oct 25, 2014 12:52 am
Forum: Personal Finance (Not Investing)
Topic: Shopping for New Mortgage - first time doing refi - advice
Replies: 5
Views: 1048

Shopping for New Mortgage - first time doing refi - advice

Hi Everyone, I am shopping for a new mortgage, need some advice on how to go about doing this. I have excellent credit. Currently have ~180K/20 years left on a 30yr fixed with 5.5% rate. Pretty much anything out there is good but I'd like to get the best deal I can. I am leaning toward a Credit Unio...
by GingerU
Fri Oct 24, 2014 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing Advice - is cash out refinance good or bad
Replies: 11
Views: 2782

Re: Refinancing Advice - is cash out refinance good or bad

Lots of helpful advice. To follow up, I looked at the PenFed.org but it seems they have some membership restrictions that I don't believe I quality for, unless I'm missing something. It doesn't seem like anyone can join. I have excellent credit, just verified this today with my reports. (?Should I p...
by GingerU
Wed Oct 22, 2014 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing Advice - is cash out refinance good or bad
Replies: 11
Views: 2782

Refinancing Advice - is cash out refinance good or bad

Hi, I posted some info in the Investments Thread "Help Change Direction - Invest or Fix Personal Finance" and I got some great feedback. I would like to think about refinancing to a 20 year fixed with a possibility of getting cash out to pay off debt. What advice do you have on this? Good or bad ide...
by GingerU
Wed Oct 22, 2014 12:26 pm
Forum: Personal Investments
Topic: Help Change Direction - Invest or Fix Personal Finance
Replies: 16
Views: 1772

Re: Help Change Direction - Invest or Fix Personal Finance

Thanks for all the direct feedback. Very helpful and actionable. I have to add that I worked for most of my professional life in a very low paying community service position, and left because my last employer cut health insurance and retirement benefits. One reason behind my late start. Also my CC d...
by GingerU
Tue Oct 21, 2014 11:43 pm
Forum: Personal Investments
Topic: Help Change Direction - Invest or Fix Personal Finance
Replies: 16
Views: 1772

Help Change Direction - Invest or Fix Personal Finance

I’m an *old* person that is very new to investing and personal finance in general. I have read a few books on investing that have lead me to look at indexing and being savvier with my personal finances. I have a lot of catching up to do in regards to learning, saving and investing wisely. Questions:...