Search found 4596 matches

by Dottie57
Fri Nov 16, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: The biggest / best web development technologies
Replies: 13
Views: 908

Re: The biggest / best web development technologies

Learning computer science fundamentals will take you farther than any particular piece of soon to be outdated technology. +1 The "tools" of programming are in constant flux. The problem with some "Coding" schools is that they teach "monkey see, monkey do". Now that might be fine to use the tool the...
by Dottie57
Fri Nov 16, 2018 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Young Professional...No Safe Investment? Pay off Debts?
Replies: 22
Views: 1538

Re: Young Professional...No Safe Investment? Pay off Debts?

I hate analogies, so I am going to add one.... :happy Your investing life is a road trip. You will go up hills and down hills, up montains and down. You need to follow the terrain to get to your destination. Investing contains up and downs. End of analogy. During my work life I didn’t pay a lot of a...
by Dottie57
Fri Nov 16, 2018 11:21 am
Forum: Personal Consumer Issues
Topic: Are gift cards for fund raising worth it?
Replies: 18
Views: 721

Re: Are gift cards for fund raising worth it?

I would not give my bank account info out for withdrawl. But that is me.
by Dottie57
Thu Nov 15, 2018 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: annuity with true COLA built in
Replies: 28
Views: 1867

Re: annuity with true COLA built in

montanagirl wrote:
Thu Nov 15, 2018 2:39 pm
I would like to wait til 75 to buy an annuity.

Obviously other options are more promising, even just leaving in my 4 funds, but it's that ol problem of managing as my ability declines. :?
Buy several annuities several years apart tohelp with inflation. A large SPIA with several smaller ones.
by Dottie57
Thu Nov 15, 2018 2:13 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Momentum Distinctions
Replies: 29
Views: 1676

Re: Larry Swedroe: Momentum Distinctions

chisey wrote:
Thu Nov 15, 2018 10:01 am
Park wrote:
Thu Nov 15, 2018 9:53 am
Dave, thanks for your posts. I hope you continue with your posts.
+1. I don't make it a habit of visiting etf.com for the articles, so I'd miss some interesting stuff from Larry if Dave didn't share it.
+1
by Dottie57
Thu Nov 15, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: As a new grad, should I consider buying or renting?
Replies: 48
Views: 1825

Re: As a new grad, should I consider buying or renting?

If you don’t like signing a lease, why would you buy a house? Renting gives you so much more flexibility. Just rent intil married or 30.

P.s. you will never have the perfect place.
by Dottie57
Wed Nov 14, 2018 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio decisions as we approach retirement
Replies: 22
Views: 2279

Re: Portfolio decisions as we approach retirement

How much do you actually have to invest? I see 275k in cash, and 400k in cds. Do you have more? Generally 4% is a safe withdrawl rate for a 30 year retirement portfolio. If you have $1m you can take out. 40k per year. It doesn’t sound likeyou have that amount. A bit of clarification would help.
by Dottie57
Wed Nov 14, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: Quality pea coat vs parka
Replies: 10
Views: 1059

Re: Quality pea coat vs parka

Parka should keep you toasty. But I opt for cheaper from Landsend.
by Dottie57
Wed Nov 14, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: DCA – change of tune, loss of nerve, and how to time?
Replies: 23
Views: 1193

Re: DCA – change of tune, loss of nerve, and how to time?

An annuity! /duck :mrgreen:

Lucky you to get a nice sum!
by Dottie57
Wed Nov 14, 2018 3:02 pm
Forum: Investing - Theory, News & General
Topic: Does Early Retirement Make You Live Longer?
Replies: 70
Views: 4217

Re: Does Early Retirement Make You Live Longer?

Fascinating study that suggests that retiring early can significantly increase your lifespan. This work was based on an analysis of longevity data from former Boeing Aerospace, and it concluded that “for every year one works beyond age 55, one loses 2 years of life span on average.” Here are the re...
by Dottie57
Wed Nov 14, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: Understanding the difference in cell phone OS types
Replies: 46
Views: 2137

Re: Understanding the difference in cell phone OS types

There are an absolute TON of differences, not only with the OS (android, ios, windows), but with versions. Good luck figuring outep which to take. I kept ios7.1 for years because it pre-dated Apple's "battery throttling" intended for users to think they needed a new phone as it slowed down. My ios7...
by Dottie57
Wed Nov 14, 2018 2:38 pm
Forum: Investing - Theory, News & General
Topic: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?
Replies: 75
Views: 4698

Re: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?

Before SS I have 8 yearsin cash equivalents. Super safe. This heads more towards liability matching for this period of retirement. After SS, I want to have 3 years of cash equivalents set up ... no need to decide immediately how to withdraw money from stock/bond funds and I can bide my time. Decidin...
by Dottie57
Wed Nov 14, 2018 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Wait, do I need a prenup?
Replies: 63
Views: 6482

Re: Wait, do I need a prenup?

Wrong thread
by Dottie57
Wed Nov 14, 2018 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Northwestern Mutual nightmare - help needed
Replies: 43
Views: 3363

Re: Northwestern Mutual nightmare - help needed

Cut your losses with the annuity too. How much of it is cap gainsthat you will need to pay taxes on. I would take the money and apply it to student loans. Assume your cash flow isbetter without the loans.
by Dottie57
Wed Nov 14, 2018 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Transfering from 401K yearly into trad IRA question
Replies: 18
Views: 773

Re: Transfering from 401K yearly into trad IRA question

lepa71 wrote:
Wed Nov 14, 2018 10:29 am
What is TSP? Those 90K are in escrow at Principal but it came from the original internal pension plan before the acquisition. Does it make any difference?
TSP Is only for Federal workers / military.
by Dottie57
Wed Nov 14, 2018 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Buying spia in December
Replies: 3
Views: 333

Re: Buying spia in December

:o Hi Greg, Ignore any commission and look at health of the company (Moody’s, Best, Standard and Poors) and the payout for the amount of money You give them. I actually have never seen the commission amount revealed. The only type of annuity you want is SPIA. Try immediateannuities.com to see good r...
by Dottie57
Wed Nov 14, 2018 12:37 am
Forum: Investing - Theory, News & General
Topic: Annuities
Replies: 25
Views: 2412

Re: Annuities

The Wizard wrote:
Tue Nov 13, 2018 9:18 pm
I'm 68 and retired.
I get "several" thousand dollars per month income from my single premium immediate annuities with TIAA, one of the better annuity providers.
For me, with no pension, this was a good choice.
Excessive income in retirement allows one to carry on in good style...
:sharebeer
by Dottie57
Tue Nov 13, 2018 9:08 pm
Forum: Investing - Theory, News & General
Topic: "What If You Retire At a Stock Market Peak?" - by Ben Carlson
Replies: 49
Views: 5784

Re: "What If You Retire At a Stock Market Peak?" - by Ben Carlson

Rowan Oak wrote:
Tue Nov 13, 2018 9:04 pm
Dottie57 wrote:
Tue Nov 13, 2018 6:57 pm
What is a balanced portfolio here?
He uses "60/40 portfolios consisting of 60% in U.S. stocks (S&P 500) and 40% in 5-year treasuries. " in his example.
Thank you. I think I am well balanced then.
by Dottie57
Tue Nov 13, 2018 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Transfering from 401K yearly into trad IRA question
Replies: 18
Views: 773

Re: Transfering from 401K yearly into trad IRA question

I'm going to a new company and currently have Fidelity with low index funds. I also have Vanguard for Brokerage and Trad IRA accounts. The new company has Principal with their 0.45 Year Target funds. So I'm I'm thinking to contribute to Trad 401K but on some kind of schedule to transfer money out o...
by Dottie57
Tue Nov 13, 2018 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: How much should Son and DIL put into Roth & Pre-tax 401k accounts...?
Replies: 21
Views: 1116

Re: How much should Son and DIL put into Roth & Pre-tax 401k accounts...?

I would ask them how much yearly income they want in retirement and an estimate of length of retirement. Subtract their pension(s) from that. If retiring at 55, then divide yearly amount by 3.5% and you have the amount needed. If a 30 year retirement, divide by 4%. Give them the math. It is hard to...
by Dottie57
Tue Nov 13, 2018 7:08 pm
Forum: Investing - Theory, News & General
Topic: Murphy's Law Of Retirement
Replies: 60
Views: 12526

Re: Murphy's Law Of Retirement

Also, if you stick to a SWR (safe withdrawal rate) or use a variable percentage withdrawal strategy, you should be fine over the long term. Both are discussed at length at bogleheads. Do a search and see. The entire concept of safe withdrawal rates is build around historical sequence of returns ris...
by Dottie57
Tue Nov 13, 2018 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Approximate Total Stock Market
Replies: 5
Views: 535

Re: Approximate Total Stock Market

I would use

S&P 500 Index fund.
Midcap Index fund.

Maybe a bit of small cap growth, but realize it lacks value stocks.
by Dottie57
Tue Nov 13, 2018 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 93
Views: 12016

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

When you sell you haven't accomplished anything other than realizing a loss. Instead, direct all new purchases to bonds, money market, etc. until your overall allocation is comfortable. Stop looking at your account(s) so often. +1. A very good way to go. Do you believe the stock market will go up n...
by Dottie57
Tue Nov 13, 2018 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: How much should Son and DIL put into Roth & Pre-tax 401k accounts...?
Replies: 21
Views: 1116

Re: How much should Son and DIL put into Roth & Pre-tax 401k accounts...?

I would ask them how much yearly income they want in retirement and an estimate of length of retirement. Subtract their pension(s) from that. If retiring at 55, then divide yearly amount by 3.5% and you have the amount needed. If a 30 year retirement, divide by 4%. Give them the math. It is hard to ...
by Dottie57
Tue Nov 13, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Enjoying Your Work
Replies: 27
Views: 3224

Re: Enjoying Your Work

I was in the same boat. Sales job making over 100k in my mid twenties. I received a commission check for 15k one day and stared at it my whole commute home (LIRR). Spoke with my wife and told her how the money did nothing for me. I could save it, buy something, whatever, I had no joy in my work lif...
by Dottie57
Tue Nov 13, 2018 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Won a lawsuit after a wrongful death in the family. How to invest?
Replies: 18
Views: 3152

Re: Won a lawsuit after a wrongful death in the family. How to invest?

Take. Your. Time.

Don’t rush to do something. Do research / reading. Use this forum and its associated wiki.

Good luck

And very sorry about family situation.
by Dottie57
Mon Nov 12, 2018 9:59 pm
Forum: Personal Consumer Issues
Topic: Granddaughter needs $ help for university
Replies: 102
Views: 7786

Re: Granddaughter needs $ help for university

I can’t imagine paying that much for a degree in music / teaching. I would not do it. Community college for 2 years then transfer to a state school. OP might think that way, but for OP's granddaughter, that is a very tough pill to swallow. With a mother who does not understand finances and living b...
by Dottie57
Mon Nov 12, 2018 9:51 pm
Forum: Personal Consumer Issues
Topic: Granddaughter needs $ help for university
Replies: 102
Views: 7786

Re: Granddaughter needs $ help for university

I can’t imagine paying that much for a degree in music / teaching. I would not do it. Community college for 2 years then transfer to a state school. OP might think that way, but for OP's granddaughter, that is a very tough pill to swallow. With a mother who does not understand finances and living b...
by Dottie57
Mon Nov 12, 2018 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: 457 vs 403b
Replies: 29
Views: 1947

Re: 457 vs 403b

I thought I had read in this forum that 403b have better protection from creditors than 457.
by Dottie57
Mon Nov 12, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: Granddaughter needs $ help for university
Replies: 102
Views: 7786

Re: Granddaughter needs $ help for university

I can’t imagine paying that much for a degree in music / teaching. I would not do it.

Community college for 2 years then transfer to a state school.
by Dottie57
Mon Nov 12, 2018 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Health Coverage during severance
Replies: 4
Views: 454

Re: Health Coverage during severance

Aren’t you covered by COBRA for 18 month? Your employer may only offer to pay for 6 months.
by Dottie57
Mon Nov 12, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 152
Views: 18876

Re: [Financial] Habits of the Rich

BoglePaul wrote:
Sun Nov 11, 2018 3:57 pm
Aim to be good at what you do. Get a new certification every 3 years (every 2 years in your 20's). The money will come.
I never did certifications. But being flexible in learning new technology heled immensely to stave off being part of Staff reductions.
by Dottie57
Mon Nov 12, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: RMDs in the year one becomes 70 1/2
Replies: 24
Views: 1839

Re: RMDs in the year one becomes 70 1/2

Is the RMD pro-rated or do you need to take the full year RMD?
by Dottie57
Mon Nov 12, 2018 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Is maxing out Tax defered 401(k) enough?
Replies: 49
Views: 4768

Re: Is maxing out Tax defered 401(k) enough?

The higher your income, the more you should save and invest. At least 20-25%. This amount also forces you to live more frugally. So maxing out 401k plus roth ira would be 20%. A bit more in taxable account would be better.

Good luck!
by Dottie57
Mon Nov 12, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Where to buy engagement ring?
Replies: 61
Views: 4690

Re: Where to buy engagement ring?

Curious if anyone has experience with lab-grown diamonds? My partner is leaning this way and am wondering if anyone has purchased previously, insights, etc. Well the diamond is not worth as much. But I think it isfine. There are beautiful products . I do think the setting isthe most important, then...
by Dottie57
Mon Nov 12, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Home addition vs. Buying New
Replies: 39
Views: 2042

Re: Home addition vs. Buying New

Friends of ours have a similar basement. Code would not allow them to put do a real finished basement. But they brought in a number of foam backed carpets, painted the ceiling and walls white, put up storage on the walls and shelves and desks and installed lots of protected lights. The result was a...
by Dottie57
Mon Nov 12, 2018 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: why so few 50/50 balanced funds?
Replies: 21
Views: 2610

Re: why so few 50/50 balanced funds?

rkhusky wrote:
Mon Nov 12, 2018 9:56 am
Vanguard seems to prefer 60/40 or 40/60 funds. You could choose two of those to get to 50/50 (Wellington/Wellesley or LifeStrategy Moderate/Conservative).
This is what I would do. Although I might go with the 80/20 And 20/80 blend.
by Dottie57
Mon Nov 12, 2018 11:58 am
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 8068

Re: What's everyone currently in?

Hi everyone I'm just curious with all the volatility in the market right now what's everyone currently invested in? I have my Roth IRA with VTI, BND, VXUS which is very basic I haven't touched it in years but with all this volatility I'm thinking I may want to. Total US Stock, Total Intl Stock, Tot...
by Dottie57
Mon Nov 12, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: Wanting to move my family but where to begin?
Replies: 21
Views: 2357

Re: Wanting to move my family but where to begin?

Start reading the online newspapers of areas you are thinking of moving to. Public organization websites.
by Dottie57
Mon Nov 12, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Still spending too much on non-essentials
Replies: 38
Views: 2414

Re: Still spending too much on non-essentials

I just set a percentage for savings. The rest of money was mine to spend. As my salary grew, I sometimes spent my money on more saving. But Idid spend on non essentials.

Enjoy life before retirement as you might not get there. Moderation.
by Dottie57
Sun Nov 11, 2018 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: A Special Kind of Market-Linked CD?
Replies: 14
Views: 729

Re: A Special Kind of Market-Linked CD?

Any FDIC protection? I bet not.
by Dottie57
Sun Nov 11, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 152
Views: 18876

Re: Habits of the Rich

For me, the big one s #5 - automating your saving/investing.

I did not plan, but knew that saving consistently would be better than not saving consistently. I learned basic math.
by Dottie57
Sun Nov 11, 2018 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Severance | 401(k)
Replies: 20
Views: 1917

Re: Severance | 401(k)

I would fill up the current 401k. You will have the money and ensure deductibility. You do not know when you will get the next job.
by Dottie57
Sun Nov 11, 2018 12:25 am
Forum: Personal Finance (Not Investing)
Topic: Finances in NYC
Replies: 92
Views: 7104

Re: Finances in NYC

I'm 41, never married and no kids. Making friends would not be an issue. Certainly not looking to "live it up" in NYC. I would generally be working 40-45 hours a week unless disasters strike which is not unheard of. Some of the things I mentioned like laundry and other stuff in apartments was just ...
by Dottie57
Sat Nov 10, 2018 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Confused about FSA when quitting mid-year
Replies: 9
Views: 730

Re: Confused about FSA when quitting mid-year

In my situation, there is a bigger possibilities that I will quit on January 2019 and my spouse and I don't have any particular that we need to use medical for... So in that case, it is better to just not contribute at all, correct? (assuming the possibilities turn out the way we planned). I wouldn...
by Dottie57
Sat Nov 10, 2018 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Mid and Small Caps?
Replies: 38
Views: 3115

Re: Mid and Small Caps?

I have had mid and small caps since 401k contained them. They have done well and are part of total stock index.
by Dottie57
Sat Nov 10, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: Apple - Old Product Boxes - Keep or Dispose?
Replies: 20
Views: 2409

Re: Apple - Old Product Boxes - Keep or Dispose?

I'm a box collector. I have plenty of storage space to store lots and lots of boxes. But only for making moves easier. Very easy to pack the toaster, or the coffee pot, or the laptop computer back into its original packaging and then into the moving boxes. Instead of packing randomly shaped objects...
by Dottie57
Sat Nov 10, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: How to stop junk mail for a deceased person
Replies: 61
Views: 6035

Re: How to stop junk mail for a deceased person

Sidney wrote:
Fri Jan 29, 2016 3:40 pm
Should taper off after ~ 5 years. I have never been successful in stopping it. I think attempts to contact the senders only creates more.
Send it back marked as deceased.