Search found 904 matches

by DesertDiva
Tue Feb 25, 2020 9:30 am
Forum: Investing - Theory, News & General
Topic: Should I buy into Fidelity Select Gold?
Replies: 13
Views: 1013

Re: Should I buy into Fidelity Select Gold?

Have you written an IPS?
by DesertDiva
Fri Feb 21, 2020 4:58 pm
Forum: Personal Investments
Topic: Car Loan pay off or VTSAX
Replies: 32
Views: 1766

Re: Car Loan pay off or VTSAX

ruralavalon wrote: Fri Feb 21, 2020 2:56 pm In my opinion, pay off the 3.74% car loan.
+1
HomeStretch wrote: Fri Feb 21, 2020 2:55 pm Pay off loan and promise yourself to only pay cash going forward for vehicle purchases.
+1
by DesertDiva
Fri Feb 21, 2020 12:21 am
Forum: Investing - Theory, News & General
Topic: Sell to rebuy later in the year...?
Replies: 41
Views: 2889

Re: Sell to rebuy later in the year...?

Liquidate wrote: Tue Feb 18, 2020 1:38 pm
Knowing that we can't predict the future or time the market. But...
:oops: :oops: :oops:
by DesertDiva
Wed Feb 19, 2020 11:42 am
Forum: Investing - Theory, News & General
Topic: Think Bed Bath & Beyond is at bottom? Any chances thriving?
Replies: 61
Views: 4037

Re: Think Bed Bath & Beyond is at bottom? Any chances thriving?

Are you hoping to pick up stocks at a "discount"? Or snag some curtains? I suspect the former. The Bogleheads® Investment Philosophy: 1 Develop a workable plan 2 Invest early and often 3 Never bear too much or too little risk 4 Diversify 5 Never try to time the market 6 Use index funds when possible...
by DesertDiva
Tue Feb 18, 2020 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Any ideas for a little extra money each year?
Replies: 34
Views: 3118

Re: Any ideas for a little extra money each year?

Trader Joe wrote: Tue Feb 18, 2020 4:33 pm
ram wrote: Mon Feb 17, 2020 6:30 pm Lawn mowing and snow shoveling are easy.
These are excellent ideas.
I've also known people who do office cleaning at night or on weekends. It's still physical work, but not overly demanding.
by DesertDiva
Tue Feb 18, 2020 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing
Replies: 6
Views: 691

Re: Refinancing

Hello. My first mortgage will be paid in 16 years. Is it a good idea to refinance for 30 years fix and pay $600 less every month? Please share ideas for pros and cons. Thanks I'll bite. No, it isn't. Unless you're carrying a 5% mortgage. Refinancing to longer terms is how people stay in debt for li...
by DesertDiva
Tue Feb 18, 2020 1:18 pm
Forum: Personal Investments
Topic: im wanting a small correction very soon
Replies: 78
Views: 4877

Re: im wanting a small correction very soon

DoubleClick wrote: Mon Feb 17, 2020 6:37 pm I'm wanting $10 million very soon...
I want a pony. And a unicorn.
by DesertDiva
Tue Feb 18, 2020 1:16 pm
Forum: Personal Investments
Topic: Help me help my daughter
Replies: 10
Views: 1274

Re: Help me help my daughter

Here is a great place for them to start:
https://www.bogleheads.org/wiki/Getting_started
by DesertDiva
Sun Feb 16, 2020 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate resources
Replies: 1
Views: 299

Re: Real Estate resources

There is plenty of information available with a Google search. Many of us learned the process by just doing it. Here are some general guidelines -YMMV First, ensure you have a budget in place and know what you are willing to spend. Also have an IPS in place (see the wiki for more info). Do you have ...
by DesertDiva
Fri Feb 14, 2020 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Entry-Level Jobs with Pensions - What companies still offer pensions these days?
Replies: 155
Views: 12559

Re: Entry-Level Jobs with Pensions - What companies still offer pensions these days?

Tamarind wrote: Fri Feb 14, 2020 4:57 pm If your nephew is able to save 15-20% of his gross pay, starting from day 1, and invest it sensibly, he will not need a pension to have a secure retirement.
+1. It's better to focus on career growth and creation/execution of an IPS.
by DesertDiva
Fri Feb 14, 2020 12:09 pm
Forum: Personal Consumer Issues
Topic: What's the best thing you've bought on Amazon for <$150?
Replies: 51
Views: 4819

Re: What's the best thing you've bought on Amazon for <$150?

The Bogleheads' Guide to Retirement Planning
by DesertDiva
Wed Feb 12, 2020 5:20 pm
Forum: Personal Consumer Issues
Topic: Costco Tires
Replies: 95
Views: 8343

Re: Costco Tires

4 generations in my family have used Discount TIre / America's Tire because of their excellent service.
by DesertDiva
Tue Feb 11, 2020 4:43 pm
Forum: Investing - Theory, News & General
Topic: Does International investment still make sense?
Replies: 312
Views: 15915

Re: Does International investment still make sense?

A few things bug me about international investment. First, other than EM, rates look mostly negative. Second, good chunk of international concentrated in financial companies. Finally, with rates so low, the US dollar is strong versus international currencies. How can I expect to make a reasonable r...
by DesertDiva
Tue Feb 11, 2020 4:26 pm
Forum: Personal Consumer Issues
Topic: Retirement: Filling the time?
Replies: 96
Views: 10651

Re: Retirement: Filling the time?

Volunteer to be a Bogleheads moderator and/or contribute to the wiki :)
by DesertDiva
Tue Feb 11, 2020 4:04 pm
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 28335

Re: Protection Against Home Intruders

I believe the best strategy is to make your house the least attractive target in the neighborhood (windows, doors, floodlights, dog, etc.). Couple that with other common sense measures (change your locks when you move in, don't announce vacation plans, don't showcase valuables, etc.) Of course, if s...
by DesertDiva
Tue Feb 11, 2020 3:30 pm
Forum: Investing - Theory, News & General
Topic: Does International investment still make sense?
Replies: 312
Views: 15915

Re: Does International investment still make sense?

A few things bug me about international investment. First, other than EM, rates look mostly negative. Second, good chunk of international concentrated in financial companies. Finally, with rates so low, the US dollar is strong versus international currencies. How can I expect to make a reasonable r...
by DesertDiva
Mon Feb 10, 2020 6:09 pm
Forum: Personal Consumer Issues
Topic: Practical interior design, for the non-HGTV crowd
Replies: 8
Views: 909

Re: Practical interior design, for the non-HGTV crowd

I would hire someone who can do a 1 hour home-staging consultation. Explain that you aren’t selling the house but need to spruce it up, get more organized and add a dash of color. That person should be able to give you actionable suggestions.
by DesertDiva
Mon Feb 10, 2020 4:47 pm
Forum: Personal Consumer Issues
Topic: New Grad with fashion design degree looking for job in that field
Replies: 99
Views: 4045

Re: New Grad with fashion design degree looking for job in that field

Could she write a blog about her area of expertise? I would encourage her to 1) develop an online presence and 2) think like an entrepreneur.
by DesertDiva
Sun Feb 09, 2020 8:03 am
Forum: Personal Consumer Issues
Topic: What do you/did you spend your bonus on?
Replies: 103
Views: 8161

Re: What do you/did you spend your bonus on?

I spent last years bonus on a cruise. We just came home last night and are adjusting to reality. :happy
by DesertDiva
Sun Jan 19, 2020 10:52 am
Forum: Personal Finance (Not Investing)
Topic: When the woman pays for the man...
Replies: 26
Views: 2307

Re: When the woman pays for the man...

Ask the boyfriend to register on this forum and ask for help. Frankly, there is really nothing else that *you* should do. In Before The Lock as forum frowns on asking questions for a friend. Actually this is a “relationship issue”—and that is what will get the thread locked. Better idea: go to Mark...
by DesertDiva
Fri Jan 17, 2020 8:33 am
Forum: Personal Investments
Topic: market timing after incredible run
Replies: 42
Views: 4413

Re: market timing after incredible run

I am thinking about selling some stocks Why don’t you use the proceeds to invest in a 3 fund portfolio?? Here’s the Bogleheads Philosophy: Develop a workable plan Invest early and often Never bear too much or too little risk Diversify Never try to time the market Use index funds when possible Keep ...
by DesertDiva
Thu Jan 16, 2020 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Filing Out 1099MISC Form
Replies: 5
Views: 455

Re: Filing Out 1099MISC Form

i just bought the form at Staples today.
by DesertDiva
Thu Jan 16, 2020 12:07 am
Forum: Investing - Theory, News & General
Topic: Are you a closet market-timer?
Replies: 174
Views: 13897

Re: Are you a closet market-timer?

Not a closet market-timer.
by DesertDiva
Mon Jan 13, 2020 5:07 pm
Forum: Personal Investments
Topic: Should I Make This Portfolio Move Prior to November's Election?
Replies: 9
Views: 677

Re: Should I Make This Portfolio Move Prior to November's Election?

Candidates say lots of things prior to an election.

IBTL
by DesertDiva
Mon Jan 13, 2020 11:47 am
Forum: Personal Investments
Topic: Ready to invest in the stock market for the first time in my life
Replies: 95
Views: 5967

Re: Ready to invest in the stock market for the first time in my life

Many people believe they can beat the markets or develop some kind of secret process to produce above-average returns. They may realize that many before them have failed, but they still believe it won’t happen to them. “This time it will be different.” The problem is that no one can predict the fut...
by DesertDiva
Sat Jan 11, 2020 12:51 am
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 958
Views: 58783

Re: What are you listening to now

dreamrrr wrote: Sat Jan 11, 2020 12:13 am Miles Davis > We Want Miles
Did you know in Canada, he’s called Kilometers Davis?
by DesertDiva
Thu Jan 09, 2020 4:03 pm
Forum: Investing - Theory, News & General
Topic: 100% stock threads as a counter indicator
Replies: 42
Views: 3436

Re: 100% stock threads as a counter indicator

"Nobody knows nothing"
-- John C Bogle, founder of Vanguard
by DesertDiva
Mon Jan 06, 2020 5:59 pm
Forum: Personal Consumer Issues
Topic: Good car for toddler and newborn
Replies: 41
Views: 2521

Re: Good car for toddler and newborn

RickBoglehead wrote: Sun Jan 05, 2020 2:23 pm Toddlers and newborns should not be driving. :twisted:
My first time behind a wheel was when I was a toddler. I loved it. My parents? Not so much :)
by DesertDiva
Mon Jan 06, 2020 5:13 pm
Forum: Investing - Theory, News & General
Topic: Does pulling money out because of fear make the market go down?
Replies: 79
Views: 6013

Re: Does pulling money out because of fear make the market go down?

I understand it is a lot, I don't want to minimize your concerns. Changing your allocations due to market concerns is a bad idea. Can you increase your contributions TODAY? That is something you can control. Great idea - I max out my retirement contributions and am happy that the market is down bec...
by DesertDiva
Mon Jan 06, 2020 1:02 pm
Forum: Personal Consumer Issues
Topic: WWYD- repair or replace washer and dryer?
Replies: 26
Views: 1390

Re: WWYD- repair or replace washer and dryer?

I just had this conversation with an appliance repairman. We called him initially about our dishwasher, but ended up talking about washers/dryers. We have an older Maytag that is starting to give us problems. Due to the age/model of our Maytag washer, he is unable to get replacement parts; therefore...
by DesertDiva
Tue Dec 31, 2019 10:13 am
Forum: Personal Finance (Not Investing)
Topic: How do you spend $$ on yourself?
Replies: 108
Views: 12455

Re: How do you spend $$ on yourself?

We have an acre of land. I buy gold coins and have my wife put them inside metal cans, and then go hide them in the wilderness from me. I then use a metal detector to try to find them. Then I can spend them on whatever I want once I find them. But sometimes she hides an old sock in the can instead ...
by DesertDiva
Mon Dec 30, 2019 3:43 pm
Forum: Investing - Theory, News & General
Topic: is this for real? [ProShares Pet Care ETF (PAWZ)]
Replies: 16
Views: 1388

Re: is this for real? [ProShares Pet Care ETF (PAWZ)]

https://www.proshares.com/pawz/pet_care_index_holdings.html?utm_source=Facebook&utm_medium=SocialMedia&utm_campaign=PAWZ&utm_content=PAWZHoldings_Content&utm_term=remarketing I'm speechless... I thought it was for cats and dogs who wanted to invest. :D On the internet, nobody knows you're a dog.
by DesertDiva
Mon Dec 30, 2019 7:40 am
Forum: Personal Consumer Issues
Topic: Am I spending to much on furnishing my new home?
Replies: 53
Views: 3967

Re: Am I spending to much on furnishing my new home?

Coming out of a toxic environment is a great feeling. I understand the desire to have your own space and make your home a haven. If I could make a recommendation to my younger self, I would set higher standards for my furniture purchases, as some of the items I purchased did not stand the test of ti...
by DesertDiva
Fri Dec 27, 2019 1:27 pm
Forum: Personal Investments
Topic: ESPP or Mega Back Door Roth?
Replies: 26
Views: 1498

Re: ESPP or Mega Back Door Roth?

Here’s my experience with an ESPP: I bought company stock in the 90’s when I worked for megacorp. At the time, investment in this company was considered a no-brainer. The stock appreciated nicely until it peaked and the price went on a long downward slide. Fortunately I sold most of it before I wou...
by DesertDiva
Fri Dec 27, 2019 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Sell house with minimum fixes or built a new one and sell
Replies: 15
Views: 1068

Re: Sell house with minimum fixes or built a new one and sell

I lived in a neighborhood where a neighbor made substantial upgrades and sold his house; the new owner tore down the existing structure and built a McMansion. The lot had a nice water view. The ROI didn't make the remodel worth the effort. I would sit down with a pencil/paper (or a spreadsheet) and ...
by DesertDiva
Fri Dec 27, 2019 1:15 pm
Forum: Personal Consumer Issues
Topic: Ever search for unclaimed property? What did you find?
Replies: 31
Views: 2130

Re: Ever search for unclaimed property? What did you find?

Claimed an old dividend check from a state I used to live in. It was nice to collect ±$100, but it certainly was not a life-changing event :happy
by DesertDiva
Thu Dec 26, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: Your best deal from Craigslist
Replies: 46
Views: 4283

Re: Your best deal from Craigslist

DH bought a used Saab for $100 (not running) - the catch was he had to remove it from a field and it was stuck in mud. He sold a few weeks later for $300 to someone who wanted it for parts. I purchased a West Elm sectional for $200 from a real estate agent who used it for staging homes. We moved a y...
by DesertDiva
Wed Dec 25, 2019 11:58 pm
Forum: Personal Investments
Topic: ESPP or Mega Back Door Roth?
Replies: 26
Views: 1498

Re: ESPP or Mega Back Door Roth?

Here’s my experience with an ESPP: I bought company stock in the 90’s when I worked for megacorp. At the time, investment in this company was considered a no-brainer. The stock appreciated nicely until it peaked and the price went on a long downward slide. Fortunately I sold most of it before I woul...
by DesertDiva
Wed Dec 25, 2019 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Should I help ex wife get a job at my agency?
Replies: 20
Views: 1897

Re: Should I help ex wife get a job at my agency?

Gardener wrote: Wed Dec 25, 2019 5:26 pm Fair enough.

I appreciate the responses.

Im going to stay out of it.

After reading the responses, actually want to almost sabotage her chances of getting in.
Living well is the best revenge. Focus on your career and your life going forward.
by DesertDiva
Wed Dec 25, 2019 1:10 pm
Forum: Personal Investments
Topic: Ready to invest in the stock market for the first time in my life
Replies: 95
Views: 5967

Re: Ready to invest in the stock market for the first time in my life

Many people believe they can beat the markets or develop some kind of secret process to produce above-average returns. They may realize that many before them have failed, but they still believe it won’t happen to them. “This time it will be different.” The problem is that no one can predict the futu...
by DesertDiva
Mon Dec 23, 2019 4:39 pm
Forum: Non-US Investing
Topic: Favorite country to live in after FIRE?
Replies: 191
Views: 19382

Re: Favorite country to live in after FIRE?

We aren't sure yet. A couple of places in Mexico are still on the radar.
by DesertDiva
Sun Dec 22, 2019 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: What is your home's price/value per square foot, and does that make it an investment?
Replies: 79
Views: 4095

Re: What is your home's price/value per square foot, and does that make it an investment?

I edited the title of the thread to hopefully make it actionable, adding to the question of whether value per square foot can be part of considering a home as an investment. I don't expect many to agree with me that it can be. That's OK, it's still interesting from my perspective at least. I'll say...
by DesertDiva
Sun Dec 22, 2019 7:06 pm
Forum: Personal Investments
Topic: Best first index investing book recommendation?
Replies: 35
Views: 1932

Re: Best first index investing book recommendation?

Yet another vote for “The Bogleheads' Guide to Investing”! :happy
by DesertDiva
Sun Dec 22, 2019 3:28 pm
Forum: Personal Investments
Topic: Mail from Vanguard - Account could be turned over to state due to lack of interest
Replies: 97
Views: 9520

Re: Mail from Vanguard - Account could be turned over to state due to lack of interest

I would rebalance my account ever so slightly (in line with my IPS, of course). That would show some trading activity.
by DesertDiva
Sat Dec 21, 2019 8:37 pm
Forum: Investing - Theory, News & General
Topic: Do you buy stocks as it’s going down or up?
Replies: 37
Views: 2657

Re: Do you buy stocks as it’s going down or up?

Jesteroftheswamp wrote: Sat Dec 21, 2019 4:51 pm I’m not big on trying to time the market, but ...

I’m 99% in index funds and like I said am not big on timing the market, but ...
:oops: :oops: :oops:
by DesertDiva
Sat Dec 21, 2019 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: putting a house in a trust instead of selling it
Replies: 16
Views: 901

Re: putting a house in a trust instead of selling it

I'll also mention to her the possibility that these are scam artists and see how she feels about contacting the authorities. I doubt she'll want to go that route unless they do something more overtly underhanded. If it’s not a scam, then no harm done. If it is a scam, authorities will tell you. If ...
by DesertDiva
Sat Dec 21, 2019 1:03 pm
Forum: Investing - Theory, News & General
Topic: Next Level Move that made the difference
Replies: 51
Views: 5176

Re: Next Level Move that made the difference

1. Signed up for 401(k) contributions even though they were small at the time
2. Finishing my degree, even though I was working full-time
3. Downsizing and reducing housing expenses
by DesertDiva
Sat Dec 21, 2019 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: putting a house in a trust instead of selling it
Replies: 16
Views: 901

Re: putting a house in a trust instead of selling it

How old is mom? Is she competent to make her own financial decisions? How did she meet Bob? Why couldn’t Bob secure his own financing? Do Bob and Carol have a history of conducting these types of “deals”? An attorney specializing in Elder Law is needed. Maybe even a phone call to a local FBI office...