Search found 188 matches

by nolapepper
Sat Mar 28, 2020 9:44 pm
Forum: Personal Investments
Topic: Share what worked in your plan during the crisis
Replies: 74
Views: 4047

Re: Share what worked in your plan during the crisis

Extra cash savings and HELOC helped this time! I have been wanting to get an equity line of credit but did not have time to get it done. When BOA had the no cost deal earlier this year, I jumped on it. With this extra money at hand, I feel more secure. I did use the HELOC to max out our Roth IRA thi...
by nolapepper
Sat Mar 28, 2020 9:23 pm
Forum: Personal Investments
Topic: Borrowing to invest in the market
Replies: 33
Views: 1742

Re: Borrowing to invest in the market

I just happened to have closed my HELOC loan, now currently at 2.74%. Still, I would not use this borrowed money to invest. 8.25%? Don't even think about it! Wait until next time and when you have extra money besides emergency fund.
by nolapepper
Thu Mar 26, 2020 9:49 pm
Forum: Investing - Theory, News & General
Topic: Any other investors with 70/30 portfolio?
Replies: 104
Views: 18483

Re: Any other investors with 70/30 portfolio?

age 52/57, we are at 70/30, we save very aggressively with more than half of income into retirement, using up our savings. Our living expense is very low and we plan to keep this ratio until we retire. Then we will change it to 60/40.
by nolapepper
Thu Mar 26, 2020 2:07 pm
Forum: Personal Investments
Topic: I am 16, Bogleheads help me be rich one day
Replies: 116
Views: 6867

Re: I am 16, Bogleheads help me be rich one day

Don't forget about the 7% interest rate deal from Chevron credit union for the first $1000. This is only for minor members.
by nolapepper
Wed Mar 25, 2020 8:26 pm
Forum: Personal Investments
Topic: When to jump back in?
Replies: 48
Views: 4753

Re: When to jump back in?

You got out based on your gut feelings about this virus, so you should get back in when you feel the virus situation is under control.
by nolapepper
Tue Mar 24, 2020 10:03 pm
Forum: Personal Investments
Topic: Reduce future retirement savings to buy stocks on sale?
Replies: 1
Views: 422

Reduce future retirement savings to buy stocks on sale?

We did not have any money in 2008 to take advantage of the stock sale. This time we hope we can take some advantages. We are in our early 50s and have stable jobs (in education fields). Our tax bracket is around 12% and effective tax rate is around 2.25%. We have enough emergency funds, short term a...
by nolapepper
Mon Mar 23, 2020 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: What have you learned from this situation that you will take action on?
Replies: 122
Views: 9408

Re: What have you learned from this situation that you will take action on?

lesson learned:
1. Read bogleheads everyday and be informed
2. Have some bonds
3. save some cash
by nolapepper
Fri Mar 20, 2020 3:42 pm
Forum: Personal Investments
Topic: TIAA Real Estate Movement
Replies: 48
Views: 2682

Re: TIAA Real Estate Movement

Thank you! Ready to execute! I hope I do not miss anything here. Does TIAA traditional have any restrictions? [...] The traditional is in the GSRA Account. Being in GSRA means the most liquid flavor of Traditional. Can transfer out, in entirety if participant chooses, as easily/quickly as in.
by nolapepper
Fri Mar 20, 2020 9:47 am
Forum: Personal Investments
Topic: TIAA Real Estate Movement
Replies: 48
Views: 2682

Re: TIAA Real Estate Movement

Yes. I want to replace my TREA with stocks and something else (TIAA tradtional or money market). I plan to get all out tomorrow. 30% goes to s&p500, 70% TIAA traditional( which will be used to buy more stocks if it drops again). Does this sound like a good exit plan? I was thinking to exchange 30% f...
by nolapepper
Thu Mar 19, 2020 11:06 pm
Forum: Personal Investments
Topic: TIAA Real Estate Movement
Replies: 48
Views: 2682

Re: TIAA Real Estate Movement

edited: I plan to sell all my TREA tomorrow. 30% exchange to s&p500, 70% exchange to TIAA traditional( which will be used to buy more stocks if it drops again). Does this sound like a good exit plan? I was thinking to exchange 30% first then wait until April to do a second batch, but then I thought ...
by nolapepper
Wed Mar 18, 2020 3:48 pm
Forum: Personal Investments
Topic: TIAA Real Estate Movement
Replies: 48
Views: 2682

Re: TIAA Real Estate Movement

Thank you very much for the clear instructions! I plan to sell those from my old university. I have been thinking about simplifying my portfolio to two or three funds and maybe get rid off real estate. I am thinking to sell half now for stocks and maybe another half in April, depending on the situat...
by nolapepper
Thu Mar 12, 2020 10:17 am
Forum: Personal Investments
Topic: exchange TIAA traditional with Stock during bear market?
Replies: 14
Views: 632

Re: exchange TIAA traditional with Stock during bear market?

Yes. I am still maxing our my contribution.

I just changed it to 50/50 with TIAA traditional and Vanguard Bond (replacing TIAA Real Estate)

I am thinking to reduce stock and add Bond in my husband's contribution as well.
by nolapepper
Wed Mar 11, 2020 8:36 pm
Forum: Personal Investments
Topic: exchange TIAA traditional with Stock during bear market?
Replies: 14
Views: 632

Re: exchange TIAA traditional with Stock during bear market?

Thanks for the advice! I will stay the course.

When the stock tanks and gets out of balance, should I use my TIAA traditional or TIAA real estate to rebalance?
by nolapepper
Wed Mar 11, 2020 6:41 pm
Forum: Personal Investments
Topic: exchange TIAA traditional with Stock during bear market?
Replies: 14
Views: 632

Re: exchange TIAA traditional with Stock during bear market?

If I sell my traditional, it means I lose the savings rate from years ago, right? It will be different when I buy it back? This is where I am confused about.

I also have quite some in TIAA real estate. If that does not go down, I can exchange those with total stock?
by nolapepper
Wed Mar 11, 2020 6:12 pm
Forum: Personal Investments
Topic: exchange TIAA traditional with Stock during bear market?
Replies: 14
Views: 632

exchange TIAA traditional with Stock during bear market?

I joined boglehead just a few years ago so my knowledge is very limited. I work for a university and I treat my TIAA traditional as my bond allocation. I probably made a mistake last year: I sold all my bond in my Roth at Vanguard and bought stocks, as my TIAA traditional is weighing too much in the...
by nolapepper
Tue Feb 25, 2020 10:57 pm
Forum: Personal Consumer Issues
Topic: Postponed travel due to Corona Virus. Am I am overreacting ?
Replies: 232
Views: 22832

Re: Postponed travel due to Corona Virus. Am I am overreacting ?

You are not overreacting at all. The actual death number is much higher than the official number. This is a serious situation. Taking a flight right now is not a good idea
by nolapepper
Sun Feb 23, 2020 2:25 pm
Forum: Investing - Theory, News & General
Topic: Able to direct dividends into a different mutual fund at Vanguard?
Replies: 6
Views: 765

Re: Able to direct dividends into a different mutual fund at Vanguard?

I found out that I can no longer direct dividends to another fund this morning and searched the site, then found this post. Also, I can only transfer to settlement fund for Roth account, not my taxable and traditional roth accounts. Not sure why. I believe I was using the redirect option for the sak...
by nolapepper
Sun Feb 23, 2020 9:53 am
Forum: Investing - Theory, News & General
Topic: Vanguard brokerage account transition
Replies: 110
Views: 15324

Re: Vanguard brokerage account transition

I regret not reading posts before converting. I just found out that my total stock dividends holding is switched to cash, not reinvest or to a fund as I set before. Checking on the computer now. It seems that I can not transfer the dividend to another fund. It says you can only choose bank transfer ...
by nolapepper
Sat Dec 02, 2017 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Recruiters reaching out with larger salary, how to ask for a raise at current job
Replies: 36
Views: 7075

Re: Recruiters reaching out with larger salary, how to ask for a raise at current job

I dug out this post as I am in the same situation now. I am curious how the op is doing and thinks of what his decision he made last year. I got a promotion without a raise because the big boss said the university had no money because of lower enrollment. Looking back i should have fought for a rais...
by nolapepper
Thu Jun 15, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: Beware Citibank Bonus Promotion
Replies: 42
Views: 12855

Re: Beware Citibank Bonus Promotion

I did the $50K deposit in March. Just got off the phone with them and I was told that it takes up to 90 days from the day the requirement was met (May 14) to get my $500 bonus. Or, I pay $30 service fee per month for the package until I get my bonus. The rep says she put me on the priority list for ...
by nolapepper
Mon Jun 05, 2017 11:57 am
Forum: Personal Investments
Topic: Why not go all-in-for-fixed-income to non-liquid TIAA Traditional?
Replies: 34
Views: 2683

Re: Why not go all-in-for-fixed-income to non-liquid TIAA Traditional?

I find that as I am getting older, I have more difficulty to deal with complicated things. I want to simplify things. This TIAA traditional RA part is something I think I will have trouble to understand in the future. LOL I actually having trouble understanding now already!@ I have two parts: 1. mat...
by nolapepper
Thu Nov 10, 2016 1:04 pm
Forum: Personal Consumer Issues
Topic: Filling in the swimming pool
Replies: 30
Views: 7921

Re: Filling in the swimming pool

My friend just did it and it costed about $10K. We live in the south. The community has a big pool and the kids like to go there with friends.
by nolapepper
Fri Oct 28, 2016 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting Job to Start a Business
Replies: 51
Views: 10743

Re: Quitting Job to Start a Business

Go for it! At this age, you can afford to fail, and it is worth to fail when you are young.

The disadvantage of keeping a safe job while looking for other opportunities is: you won't and can't look hard enough. Give up everything, you will be forced to 100% devote to your new business.
by nolapepper
Sat Oct 22, 2016 6:53 am
Forum: Personal Consumer Issues
Topic: Cheapskate for not flying business class?
Replies: 81
Views: 11125

Re: Cheapskate for not flying business class?

That costs about the same as business but without the premium service. :mrgreen:
heikejohn1 wrote:Or the whole row & realy stretch out :mrgreen:
by nolapepper
Sat Oct 22, 2016 6:47 am
Forum: Personal Consumer Issues
Topic: Cheapskate for not flying business class?
Replies: 81
Views: 11125

Re: Cheapskate for not flying business class?

I think it is worth splurging on a business class seat if you have the money. You worked hard and this is a good time to use the hard earned money to make your life a little more comfortable. If I had the money, I would buy business for my parents at your age to fly 14 hours. I have to fly internati...
by nolapepper
Wed Oct 19, 2016 3:03 pm
Forum: Personal Consumer Issues
Topic: Wedding gift for my sister - amount?
Replies: 38
Views: 11227

Re: Wedding gift for my sister - amount?

$2000, for all sisters, brothers, nieces and nephews. just gave one this month. Only one more to go for us. Need to wait at least 10 years to get "reimbursed" from the sisters and brothers. LOL
by nolapepper
Thu Oct 13, 2016 11:37 am
Forum: Investing - Theory, News & General
Topic: Where do you keep your kids' money?
Replies: 54
Views: 9017

Re: Where do you keep your kids' money?

Thank you for your information. This is great! There is a branch in Louisiana, although a little far from me. I checked it out and you can do it online. I will ask my son to open the account himself and let him see the power of compounding interest. 7% is great. Hope it will last long. I recommend a...
by nolapepper
Sun Oct 09, 2016 7:49 pm
Forum: Personal Investments
Topic: Interest Checking Account - Credit Union
Replies: 20
Views: 2669

Re: Interest Checking Account - Credit Union

My local credit union has a similar rate and even though there is no clear statement as to the definition of "legitimate" transactions, the bank teller told me that in the past, the denied 12 $1 purchases of candies as legitimate and they think the customer was abusing the system and therefore those...
by nolapepper
Fri Sep 02, 2016 10:54 pm
Forum: Personal Consumer Issues
Topic: How Much Cash for Wedding Gift?
Replies: 45
Views: 10259

Re: How Much Cash for Wedding Gift?

I asked this question before. I was told, For regular friend, $50 per person, which covers the meal/event cost. For best friend, at least double it. I am attending my favorite niece's wedding next month. I was going to give $1000. When I asked firend's about the current "market price," I was suggest...
by nolapepper
Thu Sep 01, 2016 8:54 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4610
Views: 885594

Re: What's Your Credit Card Rewards Strategy?

Received CSR card by expedited mail. The card is thick and heavy! Seems to have a metal layer. The global entry credit is only one time and for one user, right? For my husband to get his credit, he will need to have a card, right ? Or only one credit for one account? I called CSR benefit specialist ...
by nolapepper
Tue Aug 30, 2016 9:43 pm
Forum: Personal Consumer Issues
Topic: Thank you gift for someone with everything
Replies: 29
Views: 3900

Re: Thank you gift for someone with everything

I usually send something Homemade. Mint tea, fruit I grow myself. Homemade jelly, small crafts
by nolapepper
Fri Aug 26, 2016 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4610
Views: 885594

Re: What's Your Credit Card Rewards Strategy?

I have international travel every year.I also Need global entry for the whole family. This is my first time to play the card game. I might have to cancel if the points are not enough. It did not state it will cost $75 for adding another user. Or maybe I missed the fine print? What are your strategie...
by nolapepper
Thu Aug 25, 2016 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4610
Views: 885594

Re: What's Your Credit Card Rewards Strategy?

Is it possible to get the card number before actually get the card, like some store cards? I just found out I have an international business trip coming up in two weeks. It would be nice that I can use it to buy tickets.
by nolapepper
Wed Aug 24, 2016 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4610
Views: 885594

Re: What's Your Credit Card Rewards Strategy?

thanks! I have to get really creative with this. I just spent all big items like car insurance, two international plane tickets, and a big sofa. :( Gas card is a great idea! I'm not an expert on manufactured spending; I've just read that it's gotten harder the last few years. If you're $2000 short a...
by nolapepper
Wed Aug 24, 2016 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4610
Views: 885594

Re: What's Your Credit Card Rewards Strategy?

What are your strategies in spending $4000 in the first three months ? My monthly expense is low, around $700
by nolapepper
Wed Aug 24, 2016 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Sell Dallas Rental Condo?
Replies: 22
Views: 3024

Re: Should I Sell Dallas Rental Condo?

My experience: if you do not plan to hold something, sell it early or when it is hot. You never know what is going to happen. We waited one year to sell our small business and lost tens of thousands of dollars. Also, emotion in investing is a dangerous thing.
by nolapepper
Sat Aug 20, 2016 7:37 am
Forum: Personal Consumer Issues
Topic: Airbnb rental review
Replies: 32
Views: 5209

Re: Airbnb rental review

But the op stated that it actually worked out fine even in summer. I would state the fact that in summer it gets down to 60s at night. It was fine without AC. airbnb culture, leaving less than 5 stars is like leaving a tip of less than 15%. You only do it if there was truly something wrong. The best...
by nolapepper
Sat Aug 20, 2016 7:30 am
Forum: Personal Consumer Issues
Topic: Airbnb rental review
Replies: 32
Views: 5209

Re: Airbnb rental review

In my opinion, it would be nice to give a 5 star but 4 star is fair. 3 star would be unfair. First of all, locals probably think it is normal to list the apartment has AC even though the bedroom does not. They might think (and I think so too) that bedrooms does not need AC as it gets down to 60s at ...
by nolapepper
Fri Aug 19, 2016 1:05 pm
Forum: Personal Consumer Issues
Topic: Costco rotisserie chicken
Replies: 102
Views: 23575

Re: Costco rotisserie chicken

For left overs, we make a broth by boiling the bones for hours (add some vinegar to dissolve calcium), the stir fry the chicken meat with pepper garlic and some veggies, eat with noodles and the broth
by nolapepper
Tue Aug 09, 2016 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Travel for a Year with Family - Career Impact?
Replies: 35
Views: 4885

Re: Travel for a Year with Family - Career Impact?

taking a few weeks off in the summer every year is a better plan than taking off a whole year and then come back to the old stressful world. You will be burn out again. Recharging periodically is more efficient and last longer.
by nolapepper
Thu Aug 04, 2016 12:55 pm
Forum: Personal Consumer Issues
Topic: Any advice---Toyota 4 runner vs. Honda Pilot--2016 cars
Replies: 75
Views: 21430

Re: Any advice---Toyota 4 runner vs. Honda Pilot--2016 cars

We have a pilot and love it. Very useful when you need to transfer a bunch of kids from school to soccer fields. The third row is very comfortable
by nolapepper
Thu Jul 28, 2016 1:32 pm
Forum: Personal Consumer Issues
Topic: Please help me identiy this pink flower weed (Texas)
Replies: 7
Views: 1947

Re: Please help me identiy this pink flower weed (Texas)

That looks like Sensitive Brier. I used to plant it for fun when I was a kid. It folds its leaves when you touch. Very interesting. I would love to get some!
by nolapepper
Wed Jul 20, 2016 10:13 am
Forum: Personal Investments
Topic: Berkshire Hathaway Class B
Replies: 44
Views: 6519

Re: Berkshire Hathaway Class B

Can you share What other means to get discount? I happen to have Geico as my car insurance and would love to get some discount! Owning a single share of BRK.B has proved useful to me in acquiring a GEICO car insurance discount; I believe the rate is 8%. The capital appreciation hasn't been bad eithe...
by nolapepper
Tue Jul 19, 2016 10:16 pm
Forum: Personal Consumer Issues
Topic: Gardening 2016
Replies: 77
Views: 12255

Re: Gardening 2016

Pretty much everything is slow as the weather is too hot.

I am concerned my asparagus is permanently damaged when I moved them from my old house three years ago. I did not harvest at all these three years. This year there is not even enough fern growing. :(

Is there anything I can do to save them?
by nolapepper
Tue Jul 19, 2016 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Too much house???
Replies: 58
Views: 8228

Re: Too much house???

Maybe your friend does not believe this but Fengshui wise, it is not good for a single person or small family to live in a huge house as the resident cannot hold the empty spaces that will suck up a lot of energy from the resident. Consequently the resident might suffer health problems or bad luck. ...
by nolapepper
Tue Jul 19, 2016 9:04 pm
Forum: Investing - Theory, News & General
Topic: What do you recommend for your emergency fund?
Replies: 25
Views: 3927

Re: What do you recommend for your emergency fund?

I periodically check the website depositeaccounts.com and bogleheads for high interest rate deals. I just found out our credit union has a 3% APY reward checking for $10k, I think that can be a good emergency fund place. So check your local banks and you may find good deals.
by nolapepper
Tue Jul 19, 2016 8:46 pm
Forum: Investing - Theory, News & General
Topic: Capital One 360 Savings Account Bonus - Free $500....
Replies: 17
Views: 4605

Re: Capital One 360 Savings Account Bonus - Free $500....

I actually had 200k in checking. Put 100k in 5 year CD, We sold our small business and don't know what to do next. Now that DH settled down for a teaching job, I am thinking to invest in rentals. Just cannot make up mind. So taking high interest opportunities here and there. Our parish credit union ...
by nolapepper
Thu Jul 14, 2016 10:15 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut the cord?
Replies: 244
Views: 34951

Re: How many of you have cut cord?

I cut the cord in March and saved $80 a month. Life does not seem to be affected at all except that hubby and son had to watch Europe cup soccer final on phone last week. LOL I spent $20 something for a HD Antenna and got 40+ free channels that are enough to entertain DH. I also cut the landline. Sa...
by nolapepper
Thu Jul 14, 2016 10:07 pm
Forum: Personal Consumer Issues
Topic: Do you tip Uber drivers?
Replies: 49
Views: 14353

Re: Do you tip Uber drivers?

I tip them as even after the tip the rate is still much cheaper than taxi. Your ride is more pleasant than the taxi ride too. Plus you get to talk to interesting people rather than those boring taxi drivers. Tips are highly appreciated by uber drivers. They are underpaid because Uber keeps the rate ...
by nolapepper
Mon Jul 11, 2016 6:35 pm
Forum: Investing - Theory, News & General
Topic: Capital One 360 Savings Account Bonus - Free $500....
Replies: 17
Views: 4605

Re: Capital One 360 Savings Account Bonus - Free $500....

The 90 day is up and I got my $500 bonus. It is time to transfer out. Does anyone know if I need to keep a minimum there to avoid monthly fees? It would be nice to keep the account for any future deals like this. on the other side, they might not give deals to existing accounts, then I need to close...