Search found 904 matches

by DesertDiva
Fri Sep 11, 2020 5:51 pm
Forum: Personal Consumer Issues
Topic: Neccesities for a Man Cave
Replies: 51
Views: 3585

Re: Neccesities for a Man Cave

:idea: febreze
by DesertDiva
Fri Sep 11, 2020 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: selling house advice
Replies: 27
Views: 3105

Re: selling house advice

My standard advice: 1. Read the listing contracts, preferably before you sign. :D 2. Get your own idea of pricing and home conditions by looking at sold listings online. 3. Clean as if the Pope is visiting. 4. Do as little updating or fixing as possible. Now is not the time to buy a new HVAC or kit...
by DesertDiva
Fri Sep 11, 2020 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: How to interview a buyer's agent?
Replies: 22
Views: 1262

Re: How to interview a buyer's agent?

Examples of successful negotiations
Is he/she ABR certified?
How many transactions has he/she closed?
by DesertDiva
Fri Sep 11, 2020 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Old friend joined Northwestern Mutual -- how to politely explain they're awful
Replies: 87
Views: 6893

Re: Old friend joined Northwestern Mutual -- how to politiely explain they're awful

Wish him well in his future endeavors. Manage what you can control—your own domain.
by DesertDiva
Fri Sep 11, 2020 1:01 pm
Forum: Investing - Theory, News & General
Topic: Index Funds - Dangerous?
Replies: 46
Views: 3838

Re: Index Funds - Dangerous?

lostdog wrote: Fri Sep 11, 2020 7:52 am What's he selling?
+1 Precisely! You hit the proverbial nail on the head.
:sharebeer
by DesertDiva
Wed Sep 09, 2020 6:13 pm
Forum: Investing - Theory, News & General
Topic: Buying covid hit stocks
Replies: 30
Views: 1838

Re: Buying covid hit stocks

See #5 and #6. 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 7 Keep costs low 8 Minimize taxes 9 Invest with simplicity 10 Stay the course +100,0...
by DesertDiva
Wed Sep 09, 2020 3:06 pm
Forum: Personal Investments
Topic: Where should I start? (First post!)
Replies: 12
Views: 1293

Re: Where should I start? (First post!)

While you’re at it, take some time to read the following:
https://www.etf.com/docs/IfYouCan.pdf
by DesertDiva
Wed Sep 09, 2020 3:01 pm
Forum: Investing - Theory, News & General
Topic: How do Bogleheads cope with FOMO? [Fear Of Missing Out]
Replies: 97
Views: 7901

Re: How do Bogleheads cope with FOMO? [Fear Of Missing Out]

I wrote an IPS and I stick to it. Then I concern myself with other activities.
by DesertDiva
Wed Sep 02, 2020 6:18 pm
Forum: Personal Investments
Topic: Portfolio review: Currently feeling foolish for being a Boglehead. Help!
Replies: 53
Views: 5018

Re: Portfolio review: Currently feeling foolish for being a Boglehead. Help!

Wish your friends well in their future endeavors. Find a new topic to discuss.
by DesertDiva
Wed Sep 02, 2020 8:48 am
Forum: Personal Consumer Issues
Topic: Phoenix homes - backyard south facing okay?
Replies: 24
Views: 2980

Re: Phoenix homes - backyard south facing okay?

I live in the desert. Our backyard faces south but we have a covered patio and trees in the yard. West facing backyards are considered less desirable
by DesertDiva
Mon Aug 31, 2020 9:18 pm
Forum: Personal Investments
Topic: Turning 50
Replies: 9
Views: 1700

Re: Turning 50

Don’t forget to get a colonoscopy!
:sharebeer :twisted:
by DesertDiva
Mon Aug 31, 2020 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Skipping a Buyer's Real Estate Agent
Replies: 53
Views: 3075

Re: Skipping a Buyer's Real Estate Agent

But a reputable agent will also work on building a business based on referrals. But, that's the rub, isn't it: 1) How do you find a reputable agent vs. a disreputable agent (especially in if you're not local) 2) According to a 2014 NAR study, 87% of agents leave the business in first 5 years - pres...
by DesertDiva
Mon Aug 31, 2020 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Skipping a Buyer's Real Estate Agent
Replies: 53
Views: 3075

Re: Skipping a Buyer's Real Estate Agent

If, hypothetically, a shopping mall was going to be built accross the street, my understanding is the Seller must disclose that, if he knows. But suppose the seller doesnt know about it, but the seller's Agent knows. Does it have to be disclosed? It would also strike me that the seller's agent woul...
by DesertDiva
Mon Aug 31, 2020 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Skipping a Buyer's Real Estate Agent
Replies: 53
Views: 3075

Re: Skipping a Buyer's Real Estate Agent

If you use the listing agent to represent both the seller and yourself, the agent’s fiduciary responsibility is towards the seller . This is a more important consideration that commissions IMHO. OTOH, a buyer’s agent will reveal details that are materially relevant to you as the buyer. I wouldn't p...
by DesertDiva
Mon Aug 31, 2020 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Skipping a Buyer's Real Estate Agent
Replies: 53
Views: 3075

Re: Skipping a Buyer's Real Estate Agent

If you use the listing agent to represent both the seller and yourself, the agent’s fiduciary responsibility is towards the seller . This is a more important consideration that commissions IMHO. OTOH, a buyer’s agent will reveal details that are materially relevant to you as the buyer. I wouldn't p...
by DesertDiva
Mon Aug 31, 2020 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Skipping a Buyer's Real Estate Agent
Replies: 53
Views: 3075

Re: Skipping a Buyer's Real Estate Agent

If you use the listing agent to represent both the seller and yourself, the agent’s fiduciary responsibility is towards the seller . ..and the agent's own family; not necessarily in that order! While there may be some fig-leaf of "fiscal responsibility" for agents, marginal breaches (i.e. pushing a...
by DesertDiva
Mon Aug 31, 2020 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Skipping a Buyer's Real Estate Agent
Replies: 53
Views: 3075

Re: Skipping a Buyer's Real Estate Agent

If you use the listing agent to represent both the seller and yourself, the agent’s fiduciary responsibility is towards the seller . This is a more important consideration that commissions IMHO. OTOH, a buyer’s agent will reveal details that are materially relevant to you as the buyer. I wouldn't pu...
by DesertDiva
Mon Aug 24, 2020 3:17 pm
Forum: Personal Consumer Issues
Topic: Easiest Way to Fax From Computer?
Replies: 19
Views: 1454

Re: Easiest Way to Fax From Computer?

Another vote for faxzero.
by DesertDiva
Mon Aug 24, 2020 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Why am I private about my finances?
Replies: 14
Views: 1615

Re: Why am I private about my finances?

I believe it’s better to keep certain issues private. Otherwise there is the very real possibility of jealousy, resentment and discontentment in one’s relationships.
by DesertDiva
Fri Jul 24, 2020 5:35 pm
Forum: Investing - Theory, News & General
Topic: Risk Parity: When Stocks "Zig," What is the Best "Zag"?
Replies: 31
Views: 1869

Re: Risk Parity: When Stocks "Zig," What is the Best "Zag"?

I adhere to my IPS and concern myself with other topics.
by DesertDiva
Mon Jul 20, 2020 1:15 am
Forum: Personal Investments
Topic: Why make a written financial plan?
Replies: 39
Views: 2498

Re: Why make a written financial plan?

This won’t answer your question, but I hope you find it interesting. I used to volunteer in a local prison, where church members would provide “life 101 advice” to the inmates who are close to being released. The number 1 indicator that you wouldn’t see them in the program again (recidivism rate s ...
by DesertDiva
Fri Jul 17, 2020 10:34 pm
Forum: Personal Consumer Issues
Topic: Hummus Alternative:
Replies: 33
Views: 3369

Re: Hummus Alternative:

Dottie57 wrote: Fri Jul 17, 2020 9:40 am I also like Baba ganoush
+1,000. I like it so much better than hummus
by DesertDiva
Thu Jul 09, 2020 4:09 pm
Forum: Personal Investments
Topic: investing for the election
Replies: 15
Views: 1225

Re: investing for the election

Develop an IPS and stick to it, regardless of what may (or may not) happen.
by DesertDiva
Thu Jul 09, 2020 3:54 pm
Forum: Investing - Theory, News & General
Topic: Gold as Part of a Portfolio?
Replies: 161
Views: 8728

Re: Gold as Part of a Portfolio?

Gold is good for jewelry. :twisted:
by DesertDiva
Mon Jul 06, 2020 1:13 pm
Forum: Personal Consumer Issues
Topic: Device for men's haircuts
Replies: 50
Views: 4673

Re: Device for men's haircuts

I bought a Wahl clipper set from Costco earlier this year, which includes a #8 guard.

Unfortunately it is now out of stock, however you might want to check on availability periodically

https://www.costco.com/wahl-deluxe-hair ... 41517.html
by DesertDiva
Mon Jun 29, 2020 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate at age 70?
Replies: 12
Views: 1326

Re: Real estate at age 70?

:idea: you've earned the right to enjoy your life - why would you want to return to beIng a landlord?
by DesertDiva
Wed Jun 17, 2020 7:55 am
Forum: Personal Investments
Topic: Can my portfolio really be this simple?
Replies: 24
Views: 2384

Re: Can my portfolio really be this simple?

Please read “if You Can” by William Bernstein.
by DesertDiva
Fri Jun 12, 2020 3:59 pm
Forum: Personal Consumer Issues
Topic: Buying blinds
Replies: 16
Views: 923

Re: Buying blinds

I need to replace ~10 blinds across my home. I want to replace the ones in bedroom with a blackout roller, and the remaining ones with a light filtering roller. Any suggestions on where I should purchase the Blinds from, preferably reasonably priced. I see selectblinds.com as a popular online store...
by DesertDiva
Fri Jun 12, 2020 2:57 pm
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 282
Views: 42439

Re: Is there an "upvote" feature in the forums?

FireAway wrote: Fri Jun 12, 2020 2:20 pm
ronno2018 wrote: Fri Jun 12, 2020 1:55 pm
cheese_breath wrote: Fri Jun 12, 2020 1:45 pm I don't think that button exists.
It would be nice to have an upvote button to the right of the report and quote button.
+1
+1
by DesertDiva
Wed Jun 10, 2020 6:41 pm
Forum: Investing - Theory, News & General
Topic: Do Any Bogleheads Consider Themselves Bears?
Replies: 51
Views: 2614

Re: Do Any Bogleheads Consider Themselves Bears?

I propose another alternative: a tortoise.
by DesertDiva
Mon Jun 08, 2020 9:38 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey mentioned bogleheads today
Replies: 142
Views: 10112

Re: Dave Ramsey mentioned bogleheads today

https://www.youtube.com/watch?v=Jm25gueDHsE&t=1302s At 6:50 a guy calls in about index funds and they talk about it until 8:20 At 13:30 Dave Ramsey says he has never heard a millionaire that says they were held back by an expense ratio, talks about loading fee's, bogleheads and a Vanguard s&p 500 a...
by DesertDiva
Mon Jun 08, 2020 6:42 pm
Forum: Personal Consumer Issues
Topic: Missing Item -> Amazon Order
Replies: 7
Views: 800

Re: Missing Item -> Amazon Order

I called 1 (888) 280-4331. No human on the other end.
They have a recorded message to go to amazon.com/help, but I already found that page on my own and it didn't help.

Started a chat session and seemed to connect to a human on the other end. Thanks!
by DesertDiva
Mon Jun 08, 2020 6:20 pm
Forum: Personal Consumer Issues
Topic: Missing Item -> Amazon Order
Replies: 7
Views: 800

Missing Item -> Amazon Order

I received a package from Amazon a few minutes ago. I ordered two items and only received one . According to the online order information, the two products were supposed to be shipped together. I've searched the website to find a way to report a missing item. It's easy to return a product, but how d...
by DesertDiva
Fri Jun 05, 2020 8:25 am
Forum: Investing - Theory, News & General
Topic: Offshore CD at higher rates?
Replies: 8
Views: 686

Re: Offshore CD at higher rates?

Silk McCue wrote: Thu Jun 04, 2020 7:29 am Seriously? Offshore banks for a CD, or for anything? What could possibly go wrong?

Cheers
You took the words out of my mouth!
by DesertDiva
Wed Jun 03, 2020 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Wife's expectations of subsidizing her friends' lives
Replies: 82
Views: 4592

Re: Wife's expectations of subsidizing her friends' lives

neverpanic wrote: Wed Jun 03, 2020 2:25 pm. Her preference is to spend a lot of money doing nice things for her friends. The "just because" gifts are often a bit much...
So how many nice things do her “friends” do for her? If the money train stops, where will the friends be?
We have talked about creating a family together...
:shock:
by DesertDiva
Fri May 29, 2020 9:36 am
Forum: Personal Consumer Issues
Topic: Mens Wrinkle Cream
Replies: 18
Views: 1465

Re: Mens Wrinkle Cream

Sunglasses to avoid squinting. Water to stay hydrated. A cream that is an actual eye cream. Remember that you can’t control everything. Age gracefully :beer
by DesertDiva
Fri May 29, 2020 7:51 am
Forum: Personal Investments
Topic: Have you been following your IPS?
Replies: 42
Views: 2114

Re: Have you been following your IPS?

UpperNwGuy wrote: Thu May 28, 2020 7:18 pm Yes, of course. When I wrote my IPS, I took into consideration the possibility that the market might someday have significant declines. So when such a market decline happened in early 2020, I was ready for it. Isn't that how an IPS is supposed to work?
+1 Precisely!
by DesertDiva
Fri May 29, 2020 7:46 am
Forum: Personal Finance (Not Investing)
Topic: First Time Homebuyer - Any Advice?
Replies: 27
Views: 1501

Re: First Time Homebuyer - Any Advice?

Hi everyone! This question is pretty open-ended. I'm just looking for general tidbits of wisdom regarding looking for and buying a house, specifically with regards to affordability. Thanks, Aaron 1. Have 20% down payment available to avoid PMI 2. Stay within your budget. One popular guideline is to...
by DesertDiva
Wed May 27, 2020 12:58 pm
Forum: Investing - Theory, News & General
Topic: Anyone screwed up timing the market?
Replies: 94
Views: 8890

Re: Anyone screwed up timing the market?

Have you constructed an IPS yet? This is the FIRST step in adopting 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 7 Keep costs low 8 Minimize...
by DesertDiva
Wed May 27, 2020 9:38 am
Forum: Investing - Theory, News & General
Topic: This article is scaring me. [Roubini predicting depression]
Replies: 109
Views: 12341

Re: This article is scaring me. [Roubini predicting depression]

You've received some good advice so far. Be prepared; review and follow Bogleheads principles, etc.

Going forward, view this stuff as entertainment only—if you can’t do that, then avoid it altogether.
by DesertDiva
Wed May 27, 2020 9:29 am
Forum: Investing - Theory, News & General
Topic: Bogleheads: What is your largest single stock holding? (if any)
Replies: 79
Views: 4357

Re: Bogleheads: What is your largest single stock holding? (if any)

According to my IPS, I don't own individual sticks and am not going to start buying them.
by DesertDiva
Mon May 25, 2020 7:30 pm
Forum: Personal Investments
Topic: I have no risk tolerance: where am I supposed to keep my money?
Replies: 73
Views: 6856

Re: I have no risk tolerance: where am I supposed to keep my money?

Take the advice you've received so far and write an IPS. I’m guessing that you didn't take the time to write one when you started out. The process of formulating your goals/strategies will help you going forward.
by DesertDiva
Mon May 25, 2020 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 407
Views: 39539

Re: The axe falls and I am prepared. What's next?

At the risk of sounding like everyone else here:
  • There’s really not anything I can add to what has already been posted.
  • Thank you for reminding us all of the need to be prepared
Perhaps a stint as a Bogleheads moderator is in your future? :D

All the best,
DesertDiva
by DesertDiva
Mon May 25, 2020 6:43 am
Forum: Investing - Theory, News & General
Topic: Jeremiah B. says to buy gold and silver
Replies: 29
Views: 1778

Re: Jeremiah B. says to buy gold and silver

columbia wrote: Mon May 25, 2020 6:33 am Who is Jeremiah Babe and why would he be expected to properly predict inflation rates?

(A partial answer is that he’s a real estate agent.)
Or Jeremiah Babe is the OP and he's just looking for more YouTube views...
#justsaying
#clickbait
by DesertDiva
Sat May 23, 2020 11:45 am
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 124
Views: 10969

Re: Personal spending out of control after Covid-19

jjface wrote: Sat May 23, 2020 11:31 am.:.expert market timers and perfect buy and hold investors at the same time...
:oops: :oops: :oops: :oops: :oops:
by DesertDiva
Wed May 20, 2020 11:44 am
Forum: Investing - Theory, News & General
Topic: Dr. Malkiel: “I believe that investors need to put more China into their portfolios“
Replies: 138
Views: 9558

Re: Dr. Malkiel: “I believe that investors need to put more China into their portfolios“

I just checked Vanguard Total International Stock Index Fund Institutional Shares (VTSNX) and 10% of its' holdings are China-based. Anything more than that and I certainly wouldn't be comfortable. I like the diversification among sectors and regions that indexing provides. Especially with the "tarif...
by DesertDiva
Tue May 19, 2020 3:30 pm
Forum: Personal Investments
Topic: Individual stock for son's birthday
Replies: 54
Views: 4643

Re: Individual stock for son's birthday

Here's a better idea than an individual stock ->
https://www.amazon.com/If-You-Can-Mille ... 476&sr=1-1