Search found 2569 matches

by Dottie57
Tue Dec 26, 2017 2:49 pm
Forum: Personal Consumer Issues
Topic: manual car for new teen driver
Replies: 143
Views: 6505

Re: manual car for new teen driver

I want my kids to be able to get away when they rob a bank, no matter WHAT car they end up stealing... I am not saying don't learn to drive a stick. I am saying learn to drive first, then worry about learning the mechanics of operating a stick shift. There is no need to learn both at the same time....
by Dottie57
Mon Dec 25, 2017 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Help with inheritance funds
Replies: 17
Views: 1814

Re: Help with inheritance funds

Can you add names of funds to the tickers?
by Dottie57
Mon Dec 25, 2017 10:22 am
Forum: Investing - Theory, News & General
Topic: What ever happened to the Larry portfolio?
Replies: 114
Views: 10546

Re: What ever happened to the Larry portfolio?

There is a difference between saying, "I don't care what [insert person] thinks." and saying, "I disagree with the argument made by [insert person] because [insert counter argument]." One is is a blanket disregard for a person's arguments because of who they are and is a reverse of the appeal to au...
by Dottie57
Mon Dec 25, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: car thread- too much money?
Replies: 85
Views: 6976

Re: car thread- too much money?

What are is your real net worth. It is not clear from first post.

Student loan of 300k. What assets do you have?

I suspect your networth is actually negative and I would then buy less expensive vehicles.
by Dottie57
Mon Dec 25, 2017 9:02 am
Forum: Investing - Help with Personal Investments
Topic: how to "know" what asset allocation is right? (crypto windfall)
Replies: 39
Views: 4927

Re: how to "know" what asset allocation is right? (crypto windfall)

Vanguard tax managed fund + gold.

Set aside some money for charity. Make the money really count.

Congrats and Merry Christmas.
by Dottie57
Sun Dec 24, 2017 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: "Dear Younger Me,"
Replies: 11
Views: 1396

Re: "Dear Younger Me,"

Realize you are smart and can manage your own investments.
Don't be afraid to try new things.
Don't put on weight - easier than losing it.
by Dottie57
Sun Dec 24, 2017 2:15 pm
Forum: Investing - Theory, News & General
Topic: Not investing through your 30's
Replies: 60
Views: 5684

Re: Not investing through your 30's

I often trace the thought of holding off until 40 to begin investing in order to boost enjoyment through the 30's. I say this because it is often a time when one is getting their feet on the ground both professionally and also as a home owner. Thats a good chunk of change towards a home. For those ...
by Dottie57
Sun Dec 24, 2017 1:03 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 316
Views: 23574

Re: What frugal thing did you do today?

Since frugality seems to be a way of life, what did you do today that was frugal? As for me, worked out at the gym, but shaved and took an extra long shower there to save on my utilities. :D Nada as this is not the time of year for frugality. This season, I followed my budget, which isn't all that ...
by Dottie57
Sun Dec 24, 2017 12:59 pm
Forum: Investing - Theory, News & General
Topic: The extended bull market
Replies: 53
Views: 4236

Re: The extended bull market

Can you elaborate? What you think you’re gonna do is easier said than done. You’re making a “Pascal’s Wager”. Because you don’t know when a crash is over. Crash to DOW 20,000? Rebal then? Ok, DOW goes to 14,000. Rebal yet again? Now to 10,000 and it stays around there for your remaining lifetime. Y...
by Dottie57
Sun Dec 24, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Where to buy Christmas CDs and decor after Christmas?
Replies: 14
Views: 1369

Re: Where to buy Christmas CDs and decor after Christmas?

Besides a christmas tree, I bought Christmas items a little at a time over 30 years. I have pieces I truly love.

Why do you want to make a big purchase after the holiday? There will be a lot of stuff no one else wanted.
by Dottie57
Sun Dec 24, 2017 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Job change and money
Replies: 14
Views: 1817

Re: Job change and money

I would sell the rental while peices are up. Right now you are an absentee landlord. From reading this forum, people who do well with real estate are those who treat it as a ullor part time job. Thinking of yourself as a landlord may sound good, but RE is not a liquid asset. Use the money in other ...
by Dottie57
Sun Dec 24, 2017 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Plan for Stay at home mom within 1.5yrs - what to do about mortgage/saving/expenses
Replies: 46
Views: 3194

Re: Plan for Stay at home mom within 1.5yrs - what to do about mortgage/saving/expenses

I think the own occ disability insurance for her will no longer make sense as a SAHM. i really don't think an insurance company would pay out for some one not receiving income on from their occupation. I would certainly check with the i surance company. Disability ins is income replacement. There ar...
by Dottie57
Sat Dec 23, 2017 4:41 pm
Forum: Investing - Theory, News & General
Topic: The extended bull market
Replies: 53
Views: 4236

Re: The extended bull market

Since we're in one of the longest bull markets in US history, I was wondering if it has influenced the way any of you are currently investing? Is there anything you are doing more/less of or have changed what you were doing in the past? I am retiring in 2018. Retirement is the only factor which has...
by Dottie57
Sat Dec 23, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Favorite Camera - Recommendations, Photos, and Pictures of Your Gear?
Replies: 65
Views: 4303

Re: Photography gear and what you use it for?

First real camera in early 1980's. Olympus OM-10. Found out I have mediocre ability to "see" a good picture and th OM-10 was a film camera. I didn't havr money to develop the film. Next came a series of point and shoot cameras. Now I have an iPhone 7 and every once in a while I take a gorgeous pictu...
by Dottie57
Sat Dec 23, 2017 3:42 pm
Forum: Personal Consumer Issues
Topic: Internet speeds
Replies: 37
Views: 2451

Re: Internet speeds

I'm looking at various internet service deals from comcast and AT&T. The offer deals with between 10mbs to 150mbs speeds. I am confused about how much I need. For two people in a house where one person might be watching a netflix movie while the other is online with youtube or various net surfing, ...
by Dottie57
Sat Dec 23, 2017 1:59 pm
Forum: Investing - Theory, News & General
Topic: The extended bull market
Replies: 53
Views: 4236

Re: The extended bull market

Since we're in one of the longest bull markets in US history, I was wondering if it has influenced the way any of you are currently investing? Is there anything you are doing more/less of or have changed what you were doing in the past? I am retiring in 2018. Retirement is the only factor which has...
by Dottie57
Sat Dec 23, 2017 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Are Roth IRAs overrated?
Replies: 77
Views: 7292

Re: Are Roth IRAs overrated?

No not overrated. Imagine having a pile of money which has appreciated over 10 to 30+ years. No tax owed. If one needs a new roof in retirement, money in Roth is used. No income tax on fundswithdrawn and cost of roof is less at this I am less sure of conversions to Roth, since I don't know my expira...
by Dottie57
Sat Dec 23, 2017 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Please help with adjusting my IPS- AA over time question
Replies: 18
Views: 712

Re: Please help with adjusting my IPS- AA over time question

I prefer to use funds which have not depreciated in retirement if a major crash occurs. I understand lack of returns. But the fact is while I currently have a nice amount of retirement funnds I don't have a huge excess. I do not want risk of a very high allocation of stocks. Simple is often the rig...
by Dottie57
Sat Dec 23, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: New Honda CRV is MotorTrend's SUV of the year
Replies: 87
Views: 8260

Re: New Honda CRV is MotorTrend's SUV of the year

Isn't one main point of getting an all wheel drive SUV the fact that you shouldn't have to futz with snow tires? No. You can have AWD or 4WD but if the tires can't grip the road, it doesn't matter. The only part of the car contacting the road is the tires. You need to have proper grip with the road...
by Dottie57
Sat Dec 23, 2017 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Please help with adjusting my IPS- AA over time question
Replies: 18
Views: 712

Re: Please help with adjusting my IPS- AA over time question

I think it is better to base the AA on your retirement date, rather than on the size of your portfolio. if you suddenly received a gift of 950,000, does it make sense to move to 50/50 at your age just because you have reached 17X? The biggest theoretical (as opposed to behavioral) reason to move to...
by Dottie57
Sat Dec 23, 2017 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Please help with adjusting my IPS- AA over time question
Replies: 18
Views: 712

Re: Please help with adjusting my IPS- AA over time question

I think it is better to base the AA on your retirement date, rather than on the size of your portfolio. if you suddenly received a gift of 950,000, does it make sense to move to 50/50 at your age just because you have reached 17X? The biggest theoretical (as opposed to behavioral) reason to move to...
by Dottie57
Sat Dec 23, 2017 9:11 am
Forum: Investing - Theory, News & General
Topic: Happy New Year. Congratulations on your progress! What success tips do we pass on to others?
Replies: 20
Views: 2131

Re: Happy New Year. Congratulations on your progress! What success tips do we pass on to others?

1. Live below your means 2. Save half your raises (if you get a $5000 raise, increase your life-style by $2500, and your savings $2500 - after 10-20 years, you'll be saving a ton, and still increasing your lifestyle each raise). 3. Recognize when you have "enough" (at that point you can stop increa...
by Dottie57
Sat Dec 23, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: How to best handle unexpected expenses - loan or ROTH IRA?
Replies: 5
Views: 279

Re: How to best handle unexpected expenses - loan or ROTH IRA?

After you decide what to do, pump up yoyr emergency fund to 6-12 months of expenses.
by Dottie57
Sat Dec 23, 2017 8:53 am
Forum: Investing - Theory, News & General
Topic: The extended bull market
Replies: 53
Views: 4236

Re: The extended bull market

Since we're in one of the longest bull markets in US history, I was wondering if it has influenced the way any of you are currently investing? Is there anything you are doing more/less of or have changed what you were doing in the past? I am retiring in 2018. Retirement is the only factor which has...
by Dottie57
Sat Dec 23, 2017 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Job change and money
Replies: 14
Views: 1817

Re: Job change and money

I would sell the rental while peices are up. Right now you are an absentee landlord. From reading this forum, people who do well with real estate are those who treat it as a ullor part time job. Thinking of yourself as a landlord may sound good, but RE is not a liquid asset. Use the money in other w...
by Dottie57
Fri Dec 22, 2017 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: pay down mortgage or invest in taxable
Replies: 73
Views: 6193

Re: pay down mortgage or invest in taxable

Spilt your extra money and do both. It amazes me when the choice is either/or. You can do both.
by Dottie57
Fri Dec 22, 2017 1:22 pm
Forum: Investing - Theory, News & General
Topic: Saving for the crash
Replies: 58
Views: 7376

Re: Saving for the crash

WhyNotUs wrote:
Fri Dec 22, 2017 9:51 am
If one has plenty of retirements savings, is about to retire and concerned about a setback then they might put a couple years living expenses in a MM.

This is me. 5 years expenses in cash. Retiring in March.
by Dottie57
Fri Dec 22, 2017 1:18 pm
Forum: Investing - Theory, News & General
Topic: Saving for the crash
Replies: 58
Views: 7376

Re: Saving for the crash

PFInterest wrote:
Thu Dec 21, 2017 11:58 pm
It's just dumb. I will buy with new money, rebalance with old, harvest the losses and not create a drag on my portfolio.


Bingo
by Dottie57
Fri Dec 22, 2017 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Motive for 401(k) advisor to change funds? Something fishy?
Replies: 44
Views: 2578

Re: Motive for 401(k) advisor to change funds? Something fishy?

The advisor for our company's 401(k) has just notified us that they are "replacing" many of our current funds with new ones. If you choose not to change your current allocation they will automatically roll you into the new offerings. Largely, these new funds are actively managed and far more expens...
by Dottie57
Thu Dec 21, 2017 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Stamp inheritance
Replies: 30
Views: 2886

Re: Stamp inheritance

I believe there is an American Philatellic Society and they may have a venue for selling stamp collections.
by Dottie57
Thu Dec 21, 2017 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Christmas Bonus: Etiquette
Replies: 32
Views: 4640

Re: Christmas Bonus: Etiquette

livesoft wrote:
Wed Dec 20, 2017 4:56 pm
I suspect everybody got a bonus and not just you. I don't think you need to thank anybody. It is just business.

Saying thank you is always appreciated and never wrong.
by Dottie57
Thu Dec 21, 2017 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey Style Vanguard Portfolio?
Replies: 51
Views: 3848

Re: Dave Ramsey Style Vanguard Portfolio?

peterwantstosave wrote:
Wed Dec 20, 2017 9:28 pm
Thank you both.

I think Dave Ramsey is great for debt reduction. For investing please listen to the Bogleheads. Our style is simple and it does work.
by Dottie57
Wed Dec 20, 2017 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding AMT while taking gains
Replies: 8
Views: 881

Re: Avoiding AMT while taking gains

Try looking up the taxcaster app. It might help.
by Dottie57
Tue Dec 19, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Memories over money
Replies: 40
Views: 2810

Re: Memories over money

We’ve done well in the past few years. I’m known as a pretty frugal guy. I am not big on “things”, but I have decided to make memories without cutting corners. When kids get older, they always will remember the road trip you made when they were younger, but no one will think about what it cost. Our...
by Dottie57
Tue Dec 19, 2017 11:03 am
Forum: Investing - Theory, News & General
Topic: On Podcasts, timing the market vs Boglehead way - Fear of Missing out
Replies: 16
Views: 1439

Re: On Podcasts, timing the market vs Boglehead way - Fear of Missing out

I was in the gym yesterday and a good pal of mine asked me if I was about to get out of the stock market. I politely mentioned to him that I am not, I briefly explained that timing the market was gambling not investing and was ready to walk away when he asked me if I invest in precious metals. At t...
by Dottie57
Mon Dec 18, 2017 7:46 pm
Forum: Personal Consumer Issues
Topic: Buying a new sofa with two young kids?
Replies: 36
Views: 2369

Re: Buying a new sofa with two young kids?

tooluser wrote:
Sun Dec 17, 2017 11:20 pm
My life experience is that people are more important and memorable than furniture.
My parents had the no food in living room and both my brother and I knew we were important. And we also know how to carefor items bought with hard earned $.
by Dottie57
Mon Dec 18, 2017 7:00 pm
Forum: Personal Consumer Issues
Topic: Spending on myself, am I off base here?
Replies: 104
Views: 5667

Re: Spending on myself, am I off base here?

It represents ~2% of your gross household yearly income and approximately 5% of your personal gross yearly income. Is it just for you or something you will spend years of family time enjoying with the kids? I don't think gross income counts. What percent is it of discretionary income? I've never bo...
by Dottie57
Mon Dec 18, 2017 7:31 am
Forum: Investing - Theory, News & General
Topic: Best 401k Employer Match Structure
Replies: 115
Views: 9284

Re: Best 401k Employer Match Structure

I have think going to a fairly high percent (6-10) and match at rate of 50% with vesting in a short time lke 2 years is very good.

Get employees to invest more re is really good.
by Dottie57
Sun Dec 17, 2017 2:48 pm
Forum: Personal Consumer Issues
Topic: New job offer - background check
Replies: 140
Views: 7442

Re: New job offer - background check

flossy21 wrote:
Sun Dec 17, 2017 1:19 pm
Tell the recruiter about the issue. Be completely open and honest with him/her. The recruiter is your advocate. Let him/her advise you on how to handle the issue.
Why is the recruiter OP's advocate? The employer pays the recruiter so I would think recruiter protects the employer.
by Dottie57
Sun Dec 17, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 76
Views: 11107

Re: 55+ Early retirement offer.

I received Company Email about an Early Retirement Package today. It's exciting and daunting at the same time. The company is offering 26 weeks paid salary + more for each year you have worked for the company. I total out to 50 weeks. Also a lump sum to cover 18 months of COBRA will also be given. ...
by Dottie57
Sun Dec 17, 2017 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: too much $ in my company of work?
Replies: 51
Views: 4132

Re: too much $ in my company of work?

Let me get this straight. You get to purchase stock at a straight up 15% discount? Why are so many people against this? That's a 15% margin of error built in automatically... If it is a good company worthy of investment then it certainly would be with a 15% discount! If the company is struggling th...
by Dottie57
Sun Dec 17, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: New job offer - background check
Replies: 140
Views: 7442

Re: New job offer - background check

Thanks all. I will tell the recruiter that I cannot give notice at my current job until I have been informed that all checks and other conditions of the offer are clear. I am not going to bring anything up. If the recruiter asks if anything may come up in the check that concerns me, I am going to b...
by Dottie57
Sun Dec 17, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: Single Purpose Device- Waffle Iron
Replies: 27
Views: 2196

Re: Single Purpose Device- Waffle Iron

Check out Serious Eats' "Will It Waffle" series for some inspiration. I got my waffle iron as a gift and barely use it, but wouldn't be without it. When I want waffles, nothing else will do. You've inspired me to pull the thing out to make dinner waffles this week.... http://www.seriouseats.com/tag...
by Dottie57
Sun Dec 17, 2017 9:44 am
Forum: Investing - Help with Personal Investments
Topic: too much $ in my company of work?
Replies: 51
Views: 4132

Re: too much $ in my company of work?

Let me get this straight. You get to purchase stock at a straight up 15% discount? Why are so many people against this? That's a 15% margin of error built in automatically... If it is a good company worthy of investment then it certainly would be with a 15% discount! If the company is struggling th...
by Dottie57
Sat Dec 16, 2017 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 76
Views: 11107

Re: 55+ Early retirement offer.

Flashes1 wrote:
Sat Dec 16, 2017 3:58 pm
How do they pay your 50 week severance? Lump sum or normal 2 week pay cycle?
I will get a lump sum. Fed and state taxes will be taken out. Employment taxes too.

In my state I won't be able file for unemployment while severance covers lost salary. Don't know if I will be able to file after.
by Dottie57
Sat Dec 16, 2017 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 76
Views: 11107

Re: 55+ Early retirement offer.

Flashes1 wrote:
Sat Dec 16, 2017 3:58 pm
How do they pay your 50 week severance? Lump sum or normal 2 week pay cycle?
I will get a lump sum. Fed and state taxes will be taken out. Employment taxes too.

In my state I won't be able file for unemployment while severance covers lost salary. Don't know if I will be able to file after.
by Dottie57
Sat Dec 16, 2017 8:36 pm
Forum: Personal Consumer Issues
Topic: Single Purpose Device- Waffle Iron
Replies: 27
Views: 2196

Re: Single Purpose Device- Waffle Iron

I have a 25 year old thin waffle maker. Love it and will keep till it falls apart. It make waffles in spurts. Can go 6 months without and then use 4 or 5 times a month.

P.S. I make a big batch of waffles and freeze those i don't eat. The toaster works nicely to reheat.
by Dottie57
Sat Dec 16, 2017 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: When to move into bonds
Replies: 53
Views: 5098

Re: When to move into bonds

I am 61 and at 50/50. I don't want to lose a lot if stocks go down and stay down.

And this year at 50/50. I have still done avout 13% return. My portfolio still has enough stocks to grow.

Last thing -'don't be greedy - realize you are at a point in life where you need to preserve too.
by Dottie57
Sat Dec 16, 2017 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 76
Views: 11107

Re: 55+ Early retirement offer.

Dottie57 - I am by no means an expert on this, but during one of my presentations I had a conversation with an insurance broker about post-COBRA medical insurance. He was talking about a guaranteed availability HIPAA policy after exhausting COBRA. You will have to research it yourself but there see...