Search found 4971 matches

by Dottie57
Mon Dec 17, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire
Replies: 126
Views: 10115

Re: Can I retire

Homer, “Pennylane, who is 26, with no kids, has no right to be telling the OP he's spending too much.” This statement is not correct. Pennylane has a perspective and and so do you. Neither is invalid. Hmm... Let me parse this carefully. I think I will have to agree with you that my statement, as wr...
by Dottie57
Mon Dec 17, 2018 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Paying off student loan debt as markets are slowing down?
Replies: 27
Views: 1538

Re: Paying off student loan debt as markets are slowing down?

OP, 1) How big is your emergency fund? 2) How safe is your job? If we hit a recession next year and you are unemployed, how long can you survive? KlangFool 1) 30k, which should last me more than 6 months 2) safe right now; no tell if we hit a recession. On second thought - take $30K and pay down th...
by Dottie57
Mon Dec 17, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire
Replies: 126
Views: 10115

Re: Can I retire

Homer,

“Pennylane, who is 26, with no kids, has no right to be telling the OP he's spending too much.”

This statement is not correct. Pennylane has a perspective and and so do you. Neither is invalid.
by Dottie57
Mon Dec 17, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Can I buy a Tesla?
Replies: 140
Views: 11315

Re: Can I buy a Tesla?

This thread touches on so many Boglehead hot buttons...cars, especially Tesla, lifestyle inflation, etc. I’m in the camp that you should wait. It’s not that you can’t afford it (you can) but the whole live like a resident thing is really the clear path to success. If you can basically live your cur...
by Dottie57
Sun Dec 16, 2018 11:11 pm
Forum: Personal Consumer Issues
Topic: Receiver for klipsch bookcase speakers
Replies: 49
Views: 2328

Re: Receiver for klipsch bookcase speakers

My budget would be about $300. Used or new. I would like a tuner since the local classical station is excellent. How powerful is the station? If it is a public radio station with a fairly weak transmitter you may need a fairly good quality tuner to get noise-free reception. The tuner section of a $...
by Dottie57
Sun Dec 16, 2018 8:42 pm
Forum: Personal Consumer Issues
Topic: Low flow shower head
Replies: 42
Views: 2461

Re: Low flow shower head

How much water/money will it save you in the long run? Assuming a half-hour shower, you’d save 15 gallons of water (0.5 gpm x 30 minutes). 15 gallons/shower x 365 days = 5,475 gallons saved over the course of a year if you take a 1/2 hour shower every single day. However, most utilities bill per hu...
by Dottie57
Sun Dec 16, 2018 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone heard of Blueprint Income?
Replies: 11
Views: 1641

Re: Anyone heard of Blueprint Income?

This is an old thread, but I recently checked SPIA quotes on the Website of Blueprintincome and they were considerably better than Vanguard or Immediateannuities. The explanation seems to be that they receive a 1% commission whereas others are higher. Vanguard discloses its commission at 2%. Its wo...
by Dottie57
Sun Dec 16, 2018 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone heard of Blueprint Income?
Replies: 11
Views: 1641

Re: Anyone heard of Blueprint Income?

JoMoney wrote:
Sun Dec 16, 2018 8:03 pm
Neat. Thanks for bumping the thread. That site has some options for getting annuity quotes that are better than immediateannuities.com
What are the companies offering the annuities at blueprint. You can see the ratings of the various companies at immediateannuities.com.
by Dottie57
Sun Dec 16, 2018 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire
Replies: 126
Views: 10115

Re: Can I retire

How can someone spend 250k a year in living expenses? Maybe I/we need to spend more but there is no way I can see use spend 250k per year! What am I missing? (Just curious if my calculations are wrong and in no way trying to shame anyone) Is it really so hard to imagine that other people could spen...
by Dottie57
Sun Dec 16, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Receiver for klipsch bookcase speakers
Replies: 49
Views: 2328

Re: Here is the Bluetooth adapter I use

Bluetooth compresses whereas WiFi can do lossless music if desired.
by Dottie57
Sun Dec 16, 2018 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: I made a mistake by not selling when the market was high this year
Replies: 153
Views: 19417

Re: I made a mistake by not selling when the market was high this year

Many people would say have 3 years of expenses in cash, and if the market has a down year don't withdraw. If it is flat or up, replenish. If that is true, then "many people" don't understand the impact of cash drag. I think people understand but prefer the cash drag over selling equities at bargain...
by Dottie57
Sun Dec 16, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: Spotify or Amazon Music?
Replies: 44
Views: 3203

Re: Spotify or Amazon Music?

heartwood wrote:
Sat Dec 08, 2018 1:54 pm
FYI, there's a deal for Spotify Premium until year's end for new subscribers or who haven't had it recently.

$9.99 for 3 months

https://www.spotify.com/us/checkout/pre ... country=US

Try it?
Does it have commercials?
by Dottie57
Sun Dec 16, 2018 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: I made a mistake by not selling when the market was high this year
Replies: 153
Views: 19417

Re: I made a mistake by not selling when the market was high this year

I made another big mistake. I should have taken some gains earlier this year when I had the chance. It seems to me that 10 months of great growth for 2018 has been wiped out in the past few weeks. I don’t have a good question. Just wondering if anyone else is in the same boat. Is this the beginning...
by Dottie57
Sun Dec 16, 2018 3:22 pm
Forum: Investing - Theory, News & General
Topic: Which asset class is down the most for you?
Replies: 26
Views: 2288

Re: Which asset class is down the most for you?

Total international is down most and then total U.S. stock.

Total portfolio is down about 5.7% from it’s high point this year.
by Dottie57
Sun Dec 16, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire
Replies: 126
Views: 10115

Re: Can I retire

How can someone spend 250k a year in living expenses? I don't think it's 250k in living expenses because the 250k includes taxes. If you take the OP's gross income and deduct savings you get 250k, the taxes have to be excluded to calculate living expenses. +1 Taxes are a big part of his expenses at...
by Dottie57
Sun Dec 16, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Receiver for klipsch bookcase speakers
Replies: 49
Views: 2328

Re: A little secret

you can buy a bluetooth adapter for any older stereo as long as it has RCA inputs (the red white input on the back). 99% of stereos have them. A bluetooth adapter is about $20. I use the logitech ones on my stereos. You can then stream music in such as Spotify, Pandora, Sirius, etc. for commercial ...
by Dottie57
Sun Dec 16, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Receiver for klipsch bookcase speakers
Replies: 49
Views: 2328

Re: A little secret

you can buy a bluetooth adapter for any older stereo as long as it has RCA inputs (the red white input on the back). 99% of stereos have them. A bluetooth adapter is about $20. I use the logitech ones on my stereos. You can then stream music in such as Spotify, Pandora, Sirius, etc. for commercial ...
by Dottie57
Sun Dec 16, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Receiver for klipsch bookcase speakers
Replies: 49
Views: 2328

Re: Receiver for klipsch bookcase speakers

You can easily get something for under that budget. Here is the Amazon Choice listed if you search for Stereo Receiver: https://www.amazon.com/Yamaha-Audio-R-S202BL-Stereo-Receiver/dp/B01EMQI2CU/ref=sr_1_4?s=electronics&ie=UTF8&qid=1544895082&sr=1-4&keywords=stereo+receiver I have a Yamaha home the...
by Dottie57
Sun Dec 16, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: Lottery Tickets
Replies: 30
Views: 1672

Re: Lottery Tickets

Chicago60 wrote:
Sun Dec 16, 2018 8:05 am
I think it is both corny, and people will get a kick out of it.
This. I would love it.
by Dottie57
Sat Dec 15, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: Annoyingly Expensive HP Ink Cartridges
Replies: 34
Views: 2602

Re: Annoyingly Expensive HP Ink Cartridges

We just bought a Brother all-in-one color laser printer in hopes that it works a bit better and ultimately the toner is cheaper. Startup cost was a little over $300. Toner is more expensive, but doesn't dry out. We don't use the printer a whole lot so ultimately we're hoping this printer is a bit c...
by Dottie57
Sat Dec 15, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: Receiver for klipsch bookcase speakers
Replies: 49
Views: 2328

Re: Receiver for klipsch bookcase speakers

Thanks to every one for your suggestions. I really do want a built in tuner.
by Dottie57
Sat Dec 15, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: Receiver for klipsch bookcase speakers
Replies: 49
Views: 2328

Re: Receiver for klipsch bookcase speakers

You can easily get something for under that budget. Here is the Amazon Choice listed if you search for Stereo Receiver: https://www.amazon.com/Yamaha-Audio-R-S202BL-Stereo-Receiver/dp/B01EMQI2CU/ref=sr_1_4?s=electronics&ie=UTF8&qid=1544895082&sr=1-4&keywords=stereo+receiver I have a Yamaha home the...
by Dottie57
Sat Dec 15, 2018 1:55 pm
Forum: Investing - Theory, News & General
Topic: AA for a Retiree being a Booglehead
Replies: 20
Views: 1688

Re: AA for a Retiree being a Booglehead

What would be the stock bond mix for someone in retirement , that would go along with the 3 fund portfolio. It could be almost anything. This ratio should still be determined by a person's willingness, ability, and need to take risk. For example, a person with several million dollars and low expens...
by Dottie57
Sat Dec 15, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: Receiver for klipsch bookcase speakers
Replies: 49
Views: 2328

Re: Receiver for klipsch bookcase speakers

I have a pair of bookcase speakers that I like. They are small which is important. The back of the speakers show the following. Klipsch Rb-25 Impedance 8 ohms Max input pwr 75 Watts What are the specs I need in a stereo receiver.? Need help. I just want a nice **simple** receiver. Sound source: iPh...
by Dottie57
Sat Dec 15, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Annoyingly Expensive HP Ink Cartridges
Replies: 34
Views: 2602

Re: Annoyingly Expensive HP Ink Cartridges

We gave up on ink cartridges years ago due to some of the same frustrations. Have been really happy with our Brother laser printer. Initial cost is about the same as most inkjet printers, the toner lasts a long time, and have been able to use 3rd party replacement toner. We just go to Walgreens or ...
by Dottie57
Fri Dec 14, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to change a baby's legal name?
Replies: 70
Views: 2955

Re: How to change a baby's legal name?

Pick one of the two names and stick with it. No name changes. Ame partial to James.
by Dottie57
Fri Dec 14, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring next year, would appreciate some advice
Replies: 30
Views: 2970

Re: Retiring next year, would appreciate some advice

Agree with DorothyB,.

Don’t end up like employees of Enron. Sell most of the company stock. You never know f the aristocratic stock will stay that way.

I would take the annuity, but take an option that will cpver your wife if you die first.

Sounds like you are set. Good luck!
by Dottie57
Fri Dec 14, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Receiver for klipsch bookcase speakers
Replies: 49
Views: 2328

Receiver for klipsch bookcase speakers

I have a pair of bookcase speakers that I like. They are small which is important. The back of the speakers show the following. Klipsch Rb-25 Impedance 8 ohms Max input pwr 75 Watts What are the specs I need in a stereo receiver.? Need help. I just want a nice **simple** receiver. Sound source: iPho...
by Dottie57
Fri Dec 14, 2018 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Investing Too Much?
Replies: 18
Views: 2006

Re: Am I Investing Too Much?

Just find a better paying money market. Banks are giving better rates now. BMO Harris just went to 1.9%.

Don’t buy too much home, it can help kill your retirement.

Personally I would pay off any other debt before buying a house.
by Dottie57
Fri Dec 14, 2018 2:24 pm
Forum: Investing - Theory, News & General
Topic: Investing in bonds while you still have a mortgage
Replies: 26
Views: 2520

Re: Investing in bonds while you still have a mortgage

Part to the mortgage. Rest to 80/20 bnds. Always good to have some fixed income backup.

There are no hard and fast rules.
by Dottie57
Fri Dec 14, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 19498

Re: Favorite Purchase of 2018?

A little giant step ladder which lets me very securely reach high places. Stair like steps and an extender at the top so I feel more secure.
by Dottie57
Thu Dec 13, 2018 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Do our savings rate habits change as we get older?
Replies: 16
Views: 1523

Re: Do our savings rate habits change as we get older?

I guess I am wondering generally if folks generally stay in the same financial habits from the time they are in their 20's through to retirement? For instance, I am in my 20's and currently save over 20% of my income every month, and hope to increase this over time. If others my age are saving 3% r...
by Dottie57
Thu Dec 13, 2018 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: 34 year old doctor needing help with 401k fund selection
Replies: 14
Views: 1312

Re: 34 year old doctor needing help with 401k fund selection

Take a look at these different mixes of the 500, mid cap, and bond market fund: https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&endYear=2018&lastMonth=12&calendarAligned=true&endDate=12%2F12%2F2018&initialAmount=1000&annualOperation=1&annualAdjust...
by Dottie57
Thu Dec 13, 2018 5:09 pm
Forum: Personal Consumer Issues
Topic: New England travel ideas, summer 2019
Replies: 29
Views: 1371

Re: New England travel ideas, summer 2019

Maine is gorgeous. It is the state which many Stephen King books are set. Some lovely beeches , both sandy and rocky.
by Dottie57
Thu Dec 13, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: Who else is doing home automation?
Replies: 64
Views: 3708

Re: Who else is doing home automation?

Mike Scott wrote:
Thu Dec 13, 2018 1:51 pm
Not me; it's a pretty expensive giggle, it's one more thing to break and need fixed and the security concerns are very real.
+1
by Dottie57
Wed Dec 12, 2018 3:24 pm
Forum: Investing - Theory, News & General
Topic: Ok to invest in an LLC?
Replies: 33
Views: 1703

Re: Ok to invest in an LLC?

I don't mean for it to be a loan. I'm becoming a minority shareholder in the company, although according to what I've read there are no shares in an LLC and "membership units" have to be established instead. From an investor perspective it seems kind of wonky compared to a corporation and more like...
by Dottie57
Wed Dec 12, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: learning excel
Replies: 21
Views: 2086

Re: learning excel

1year23 wrote:
Wed Dec 12, 2018 12:34 am
I would like to learn to use excel spreadsheets for simple projects. Can anyone recommend an online tutorial that is low cost or free?
Udemy.com. Has good courses on excel. Wait for sales to purchase. My cost was 9.99.
by Dottie57
Wed Dec 12, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Is a New Car Okay if Driven 15+ Years?
Replies: 91
Views: 7441

Re: Is a New Car Okay if Driven 15+ Years?

It is fine to buy new. You just have to realize there is a lot of depreciation up front. The newer safety features are really good. So if you can buy with cash great or buy with a 3 year lan or less good.
by Dottie57
Tue Dec 11, 2018 11:15 pm
Forum: Personal Consumer Issues
Topic: Desktop Computer. All in one or separate? And which one?
Replies: 34
Views: 1978

Re: Desktop Computer. All in one or separate? And which one?

I have a 10 year old iMac which is still in use.
by Dottie57
Tue Dec 11, 2018 10:05 pm
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 249
Views: 20298

Re: What Happened to you during the Financial crisis of 2007–2008

I turned 50 in 2007. Old enough to have accumulated quite a bit in mid 6 figures. As the system looked like it could topple over, I saw my retirement slip away. In late 2008, I sold about 30k of stock funds and bought bonds in my 401k. I wanted to sell more but restrained myself. To counter the sell...
by Dottie57
Tue Dec 11, 2018 6:27 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing in a taxable account isn't so simple
Replies: 77
Views: 11238

Re: Rebalancing in a taxable account isn't so simple

If the gains in taxable are over years and not months, wouldn’t tax gain harvesting help if done consistently over time? This is a suggestion for the future, not help for right now.
by Dottie57
Tue Dec 11, 2018 6:15 pm
Forum: Personal Consumer Issues
Topic: investing books for gifts
Replies: 16
Views: 1141

Re: investing books for gifts

I am getting “Stay the Course” by Jack Bogle for my 26yo nephew. I think it is more of a memoir than anything else, but expect it will be fine for him. I also will try to read parts (very gently) before it is wrapped and given.

Yes I did use the Bogleheads link to purchase at Amazon.
by Dottie57
Tue Dec 11, 2018 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: options to cover next 10 years before SS
Replies: 49
Views: 3981

Re: options to cover next 10 years before SS

I have no idea why someone would do this or what she is trying to do. But what I do know, NO annuities - never! Why no annuities never? This would be an instant annuity for a 10 year period term certain. It would pay out a 2.91% return guaranteed (unless major insurance co. goes under - unlikely). ...
by Dottie57
Tue Dec 11, 2018 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Too Much Savings Regret
Replies: 112
Views: 17213

Re: Too Much Savings Regret

DrivingFun wrote:
Sun Dec 02, 2018 11:26 am
pdavi21 wrote:
Fri Nov 30, 2018 5:52 pm
I am an ultra-aggressive saver, and honestly I sometimes regret getting married and having kids because it slowed down my saving.
I hope this is a joke. :shock:
Me too.
by Dottie57
Tue Dec 11, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: Nespresso?
Replies: 103
Views: 8780

Re: Nespresso?

So I tried fresh beans from a few different places before finally settling on a Nespresso machine - huge sales right now in case someone wants permission from a stranger on the internet to splurge on a new coffee machine. I picked up the Vertuoplus model last night -they fixed the temperature issue...
by Dottie57
Tue Dec 11, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: Noise coming through apartment vent duct
Replies: 18
Views: 1909

Re: Noise coming through apt vent duct

"Don't let all the noise drown out your common sense and your wisdom. Just try not to pay that much attention, because it will have no effect whatsoever, categorically, on your lifetime investment returns." - Jack Bogle Hope that helps. This will affect the price of the apartmentwhen it is sold. I ...
by Dottie57
Tue Dec 11, 2018 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Motley Fools is now for fools only?.....RIP
Replies: 30
Views: 6754

Re: Motley Fools is now for fools only?.....RIP

They've been doing those for a few years now. In marketing, it's called "advertorials." A quiet way to distribute marketing messages via something that looks like objective editorial. I've followed them for a while, but never bought into a MF subscription to anything. The original guys were UNC gra...
by Dottie57
Tue Dec 11, 2018 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Motley Fools is now for fools only?.....RIP
Replies: 30
Views: 6754

Re: Motley Fools is now for fools only?.....RIP

Mike Scott wrote:
Tue Dec 11, 2018 10:15 am
I credit Motley Fool for getting me started in low cost index mutual funds a long time ago. Unfortunately they turned a different direction.
I must have read them at the same time as you. It is indeed sad to see the what has happened to this group.q
by Dottie57
Tue Dec 11, 2018 12:48 am
Forum: Personal Consumer Issues
Topic: Nespresso?
Replies: 103
Views: 8780

Re: Nespresso?

I’ve been without Espresso for a month. Finally placed an order and it should come on the 11th.

I missed it so much.