Search found 4413 matches

by Dottie57
Tue Sep 25, 2018 8:33 am
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA prices out
Replies: 47
Views: 4792

Re: 2019 ACA prices out

Yes - that would be interesting if after the smoke clears, it's ruled that the mandate has to be enforced - do we get a 2019 rebate since the pricing was based on less younger members in the pool. There are also some indications of companies making money on the plans so that points to more stabiliz...
by Dottie57
Tue Sep 25, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA prices out
Replies: 47
Views: 4792

Re: 2019 ACA prices out

Just got my notice from Kaiser. Unsubsidized bronze for myself, a 62yo male, will be $791/month up from $700/mo this year. Not as bad an increase as I was expecting. Interesting that a measly 12% increase elicits gratitude! I wonder why the prices keep going up? A plethora of rationale is always fo...
by Dottie57
Tue Sep 25, 2018 12:41 am
Forum: Personal Consumer Issues
Topic: Ventilated car seats?
Replies: 61
Views: 4227

Re: Ventilated car seats?

Never had any issues with cloth seats and standard ac. I've used the cooled seats in rental cars, and thought it was a silly gimic, to me anyways. It got to the point some years ago that I had to pay extra to special order the cloth seats. Now, it's not available at all. I still see "leather" as "e...
by Dottie57
Mon Sep 24, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: Acoustic Pianos
Replies: 42
Views: 2057

Re: Acoustic Pianos

Not Law wrote:
Mon Sep 24, 2018 3:35 pm
College music departments sell slightly used good quality pianos annually. Usually well cared for and treated with respect by budding virtuosos. The acoustics of your foyer might leave something to be desired.
+1. It will likely echo.
by Dottie57
Mon Sep 24, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: Ripped off by a locksmith
Replies: 75
Views: 5714

Re: Ripped off by a locksmith

OP, you were in need of the service. Most places put a premium on after hours service. I would dispute the tip, but pay the full service amount. My key broke in the ingition of my car late at night. Called a lcksmith who rekeyed it and removed the key. It was expensive (took my breath away), but I c...
by Dottie57
Mon Sep 24, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Acoustic Pianos
Replies: 42
Views: 2057

Re: Acoustic Pianos

Hi Bogleheaders. Anyone on here knows about acoustic pianos? We are in the market for a piano and of course the wife likes to buy new so don't even bring up the buy-used topic. We have 2 kids just starting to take piano lessons and we eventually would like to learn as well. So I wonder any brands y...
by Dottie57
Mon Sep 24, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Digitalizing Old Photos Help
Replies: 22
Views: 1576

Re: Digitalizing Old Photos Help

I've digitized all of our photos. We have an HP all-in-one copier/scanner. I scanned them then saved them into a "photos" folder on my desktop, then copied that folder onto a few flash drives also. Tips: 1) go through all of your photos first and toss out the ones you really could live without. 2) ...
by Dottie57
Mon Sep 24, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Digitalizing Old Photos Help
Replies: 22
Views: 1576

Re: Digitalizing Old Photos Help

These are the scanners

https://epson.com/For-Home/Scanners/Pho ... ers/c/h220

The cheaper ones are cheap. The ones that fast feed photos look really good. 499 to 599. I think you could sell for a good price after you use it.
by Dottie57
Mon Sep 24, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: Digitalizing Old Photos Help
Replies: 22
Views: 1576

Re: Digitalizing Old Photos Help

Go to the EPSON web site andlook for the photocopiers that are designed for copying photos. Either buy the copier or have it done professionally.
by Dottie57
Mon Sep 24, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Where are the hybrid or fully electric two seater commuting vehicles?
Replies: 44
Views: 1924

Re: Where are the hybrid or fully electric two seater commuting vehicles?

Why is the smallest available electric car a four or five seater when 90% of commuted miles are driven alone? Perhaps what you are asking about is a niche market? Even tho the masses are solo commuters, they still want the flexibility to be able to take the whole family to the park, beach, mountain...
by Dottie57
Mon Sep 24, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Should we temporarily reduce our retirement contributions in order to pay off our $400k mortgage in 7 years?
Replies: 83
Views: 7456

Re: Should we temporarily reduce our retirement contributions in order to pay off our $400k mortgage in 7 years?

@kelladoo Adding a couple of hundred dollars to your mortgage payment will help pay it down sooner. Just do iit consistently. You seem like you want to do big dramatic items instead of plugging away at smaller consistent payments and investments. Plugging away at a nice boring pace really does get y...
by Dottie57
Mon Sep 24, 2018 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Savings rate: gross or net?
Replies: 68
Views: 8391

Re: Savings rate: gross or net?

I used gross since 401k came out of gross - not net.
by Dottie57
Sun Sep 23, 2018 8:01 pm
Forum: Investing - Theory, News & General
Topic: I am thinking about using this Two Bucket Retirement Plan how does it compare to the three fund portfolio?
Replies: 12
Views: 1962

Re: I am thinking about using this Two Bucket Retirement Plan how does it compare to the three fund portfolio?

Asset allocation matters most. Stocks/bonds/cash.

I don’t use YouTube much . Not willing to get a plan from a YouTube yokel. Video is 23 minutes - too long. Why take advice from this guy?
by Dottie57
Sun Sep 23, 2018 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Emotional Investor - I'm a mess and need help!
Replies: 83
Views: 6353

Re: Emotional Investor - I'm a mess and need help!

Robo advisors can change their fees. Stick to a on Fund strategy where the fund managers do the rebalancing. In taxable either total stock market fund and municipal equity stock fund.
by Dottie57
Sun Sep 23, 2018 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Emotional Investor - I'm a mess and need help!
Replies: 83
Views: 6353

Re: Emotional Investor - I'm a mess and need help!

List all of your investment holdings as % of total investments, with the ER (expense ratios) so we can further dissect your actual holdings and talk about it. Present all of your holdings like this https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 sruliz, no matter what you end up doing, th...
by Dottie57
Sun Sep 23, 2018 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Emotional Investor - I'm a mess and need help!
Replies: 83
Views: 6353

Re: Emotional Investor - I'm a mess and need help!

It looks like you have a shotgun approach. Use either the LifeStrategy moderate growth fund. It has stocks and bonds in good allocations. Nothing for you to manage. Keep sending money to it. Don’t chase returns. Simply invest in one way which has a solid foundation and let it go. I am not a fan of p...
by Dottie57
Sun Sep 23, 2018 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Investment Advice for a Teacher
Replies: 19
Views: 1506

Re: Investment Advice for a Teacher

Sell the 500 index as it is found in the total market. The International is ok. Don’t know abou capital growth and income. I would choose a total or intermediate bond fund instead.
P.S. sell (FAGIX) capital and income. It has a lot of risky bonds in it.
by Dottie57
Sun Sep 23, 2018 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Personal investment plans
Replies: 13
Views: 960

Re: Personal investment plans

Keep it simple: A good start is saving 15% of your total gross income. Increasing with raises, bonuses etc. As the years go by. Agree with this. But it is just a beginning. As the years pass, you will need to understand your expenses. If expenses are high, then more savings are needed. It is easier...
by Dottie57
Sun Sep 23, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 80
Views: 8664

Re: Minimalist Lifestyle

I have quite a few things. I am not much of a traveler, but enjoy home very much. I limit myself by having a small home (< 1000 sq ft). Not many places to stuff things. I am currently cleaning out once again. Books, items I neverse , clothes, stereo system ( way to complicated and never use ). Kitch...
by Dottie57
Sun Sep 23, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3710

Re: How to get rid of rabbits

White Coat Investor wrote:
Sun Sep 23, 2018 9:15 am
Dottie57 wrote:
Sun Sep 23, 2018 9:04 am
White Coat Investor wrote:
Sun Sep 23, 2018 8:38 am
If you're going to trap them, why release them? Just eat 'em. Would you trap a chicken and relocate it?

https://www.thedailymeal.com/healthy-ea ... ys-cook-it
They are cute and fluffy.
So are moose. I eat those too.
Oooook.
by Dottie57
Sun Sep 23, 2018 9:15 am
Forum: Investing - Theory, News & General
Topic: How do you define your success in our life, career and job?
Replies: 25
Views: 1823

Re: How do you define your success in our life, career and job?

Life: good relationship with family and friends, able to take care of myself until EOL.

Career and job: Enjoy the work. Continue to learn. Do well. I am not ambitious so never wanted to be mgmt.
by Dottie57
Sun Sep 23, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3710

Re: How to get rid of rabbits

White Coat Investor wrote:
Sun Sep 23, 2018 8:38 am
If you're going to trap them, why release them? Just eat 'em. Would you trap a chicken and relocate it?

https://www.thedailymeal.com/healthy-ea ... ys-cook-it
They are cute and fluffy.
by Dottie57
Sun Sep 23, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3710

Re: How to get rid of rabbits

Trapping works very well. Trap and relocate. Relocating wildlife is illegal in my area. It's cruel as well. Most animals are territorial, and dumping an animal in the middle of another's territory is going to lead to fights generally to the death. I have rabbits in my yard. They have no noticeable ...
by Dottie57
Sat Sep 22, 2018 8:36 pm
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3710

Re: How to get rid of rabbits

yousha wrote:
Sat Sep 22, 2018 8:35 pm
I've had a great deal of difficulty keeping rabbits away from my landscape. The Yard looks terrible as a result. Any thoughts about what to use to keep these rabbits away.
Trap them and move them.
by Dottie57
Sat Sep 22, 2018 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Pay taxes on EE bonds now or later?
Replies: 11
Views: 1083

Re: Pay taxes on EE bonds now or later?

aristotelian wrote:
Sat Sep 22, 2018 7:04 pm
Can't they be used tax free for education? Cash them now and pay no tax.
I think these are the bonds that double in value at maturity. Don’t cash them in until that time comes.
by Dottie57
Sat Sep 22, 2018 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Mom's Estate: Can you help please?
Replies: 44
Views: 2098

Re: Mom's Estate: Can you help please?

The only hesitation I would have is the idea of moving half the savings account into equities. Would your mother be comfortable with such a move? Maybe 25% would be more acceptable to her. Gill +1. My parent’s were/are the same age. And both would have been apalled at going to 50%. equity. OP, I wo...
by Dottie57
Sat Sep 22, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: True cost of a [dental] implant
Replies: 71
Views: 11259

Re: True cost of a [dental] implant

I have never been billed for hours spent. It goes by the procedure. Dentist doesn’t charge like a mechanic.
by Dottie57
Sat Sep 22, 2018 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella questions
Replies: 9
Views: 745

Re: Umbrella questions

You're never going to figure out the correct price by asking random people. The only way is to shop around. Just get started doing that or go with what you have. But I want to know what to shop for, just umbrella split off from my other policies, or keep all 3 together. Keep umbrella with car and h...
by Dottie57
Sat Sep 22, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: HVAC Options -- Any advice?
Replies: 29
Views: 1751

Re: HVAC Options -- Any advice?

Do you needa humidifier? I would have thought yourarea would be plenty humid.
by Dottie57
Sat Sep 22, 2018 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: How to fund education for grandchildren: various strategies? Help?
Replies: 23
Views: 1362

Re: How to fund education for grandchildren: various strategies? Help?

Status: I have 2 very young grandchildren (one brand new) . . . so far. I would like to establish a college fund or education fund for them. All of my assets are in "taxable". Assets and income stream are somewhat "substantial". Questions: What are my options to best benefit them and myself? 1. Edu...
by Dottie57
Sat Sep 22, 2018 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: CD Ladder
Replies: 8
Views: 1137

Re: CD Ladder

MathIsMyWayr wrote:
Sat Sep 22, 2018 2:13 pm
I bought a 3/6/9/12 months CD ladder at Fidelity. This is money for use soon. Now their interest rate is 2.1% for a 1-yr CD. I am considering a 1-year treasury bill (2.25%) for the soon maturing CD. I think it is close to 2.48% before CA state tax.
I don’t think states can tax treasuries.
by Dottie57
Sat Sep 22, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: True cost of a [dental] implant
Replies: 71
Views: 11259

Re: True cost of a [dental] implant

I lost a tooth a few months ago. It split down the middle. For reasons unknown. It is my third from rear upper molar. I'm thinking about not getting it fixed/replaced. Is that a stupid decision? The rest of your teeth will migrate and have larger spaces in between. Not optimal, but my mom has chose...
by Dottie57
Sat Sep 22, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: True cost of a [dental] implant
Replies: 71
Views: 11259

Re: True cost of a [dental] implant

I have had 1 implant which was done 10 yrs ago. Total was about 5k. Not pleasant to pay. You should have gotten a denture. Much cheaper and more teeth for the same money. Definitely more boglehead. It was my front tooth, the temp plate made it difficult to talk. The loss of tooth was caused by a me...
by Dottie57
Sat Sep 22, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella questions
Replies: 9
Views: 745

Re: Umbrella questions

My home, auto and umbrella are all intertwined - especially with auto. So how many individuals and cars are you insuring? How do you know how much is umbrella vs auto vs home?
by Dottie57
Fri Sep 21, 2018 10:13 pm
Forum: Investing - Theory, News & General
Topic: Allocating 1/3 of Investable Assets to Roth Accounts
Replies: 35
Views: 2099

Re: Allocating 1/3 of Investable Assets to Roth Accounts

On conversions from trad Ira to Roth IRA when you are doing backdoor Roth but at prorated tax rates. - maybe a good idea but depends on the math. Roth conversion from retirement age to RMD - yes if you can afford to pay higher tax amounts. Roth 401k over regular 401k. Not such good idea for me. I pu...
by Dottie57
Fri Sep 21, 2018 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning Attorney Says Putting tIRA in a Revocable Trust is "Complicated" - True?
Replies: 45
Views: 3255

Re: Estate Planning Attorney Says Putting tIRA in a Revocable Trust is "Complicated" - True?

I think an IRA can be owned/ titled for a trust for an individual. I doubt it could be done for a trust for a couple since by definition the IRA s for a single person.
by Dottie57
Fri Sep 21, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: True cost of a [dental] implant
Replies: 71
Views: 11259

Re: True cost of a [dental] implant

I have had 1 implant which was done 10 yrs ago. Total was about 5k. Not pleasant to pay.
by Dottie57
Fri Sep 21, 2018 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Using Medicare Consultant that is Paid by the Insurers
Replies: 25
Views: 1297

Re: Thoughts on Using Medicare Consultant that is Paid by the Insurers

There is no “fiduciary” in this job or role. It is perfectly fine to have one of these people help decipher the different plans.
by Dottie57
Fri Sep 21, 2018 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Proposed Retirement Portfolio Critique Solicited
Replies: 7
Views: 771

Re: Proposed Retirement Portfolio Critique Solicited

Too complicated. ER is too high. SPIA is a great idea. ( immediateannuities.com ) I also agree with using Lifestrategy funds which have stocks and bonds. . There are four with different allocations ( 80/20, 60/40, 40/60, 20/80). Vanguard link. https://investor.vanguard.com/mutual-funds/lifestrategy/#/
by Dottie57
Fri Sep 21, 2018 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Im going to die somewhere between Bankruptcy and $20 million
Replies: 46
Views: 9615

Re: Im going to die somewhere between Bankruptcy and $20 million

At 50/50 AA, my chance of bankruptcy was low at both sites mention. Withdrawl rate around 4%, 1 stock market crash. I think the AA Really help as only 50% was in stock. Entire portfolio of 1.2 mill. 45k per year withdrawl. Stocks 4%, Bonds 2% return, cash 2%, return, inflation 2%. Age 61. Shorter re...
by Dottie57
Fri Sep 21, 2018 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Hubby soon to be laid off
Replies: 74
Views: 7790

Re: Hubby soon to be laid off

Payoff that mortgage, rent the apartment ... and go take a cruise. You guys are golden. :beer BTW, I don't know who you use for insurance but if its not Amica, give them a call. They don't work through agents so you have to just call their main 1-800 number. http://www.amica.com Agree - pay off the...
by Dottie57
Thu Sep 20, 2018 3:04 pm
Forum: Investing - Theory, News & General
Topic: Is there any active forums/BBS grouping up non-Bogleheads?
Replies: 17
Views: 1837

Re: Is there any active forums/BBS grouping up non-Bogleheads?

livesoft wrote:
Thu Sep 20, 2018 2:44 pm
reddit to your heart's content.
I think morningstar may have forums.
by Dottie57
Thu Sep 20, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: BlackFriday Shopping - what do you usually buy? (other than Christmas gifts)
Replies: 36
Views: 2547

Re: BlackFriday Shopping - what do you usually buy? (other than Christmas gifts)

I am trying to hold my spending down. Only buy what is needed when it is needed.

So no list.
by Dottie57
Thu Sep 20, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 133
Views: 11625

Re: Did you really have something to retire to?

I originally planned to retire to reading all the books and music CDs accumulated over the years, getting reacquainted with model railroading hobby that my father and I enjoyed when I was a young boy, and doing some travelling to state fairs and air shows around the country. All that changed two ye...
by Dottie57
Thu Sep 20, 2018 10:40 am
Forum: Investing - Help with Personal Investments
Topic: So new to all this it hurts!
Replies: 27
Views: 3545

Re: So new to all this it hurts!

Do not, do not, do not hand this over to Bloom. Once set, it may take you an hour a year to manage. No one cares more about your money than you.
by Dottie57
Wed Sep 19, 2018 10:52 pm
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 133
Views: 11625

Re: Did you really have something to retire to?

flyingaway wrote:
Wed Sep 19, 2018 6:30 pm
sport wrote:
Wed Sep 19, 2018 3:14 pm
I retired to a life with less stress.
I am worried to a life with more stress if there is no specific plans.
Rather than having fixed plans at the beginning, I find mine are emerging. Exciting to see what next year will bring.
by Dottie57
Wed Sep 19, 2018 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Home away from home
Replies: 20
Views: 2222

Re: Home away from home

I'm thinking maybe get an apartment if the company would fork out for that? 1/4 of his life is a lot of time to spend in a hotel. Or he might make an arrangement with the extended stay hotel to leave some clothes, etc., there, have them cleaned, to minimize what he has to carry back and forth. (Alr...
by Dottie57
Wed Sep 19, 2018 10:21 pm
Forum: Personal Consumer Issues
Topic: Bathroom and Basement Remodel Costs
Replies: 56
Views: 3758

Re: Bathroom and Basement Remodel Costs

I would skip the basement if it is finished already. Unless you have a distinct purpose which s not yet fulfilled. The bathroom sounds scrumptious. I had to look up an air tub. Do the bathroom. It will payback much better than the basement. I was thinking of bathroom remodel, but now I don’t know. T...
by Dottie57
Wed Sep 19, 2018 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 139
Views: 8727

Re: Physical Banking - Any benefits anymore?

1. Free coffee
2. free lollipops (kid size)
3. Nice people who recognize me.
4. Medallion signature
5. Notary service
6. Safety deposit box
7. CD specials with good rates.
by Dottie57
Wed Sep 19, 2018 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Should we temporarily reduce our retirement contributions in order to pay off our $400k mortgage in 7 years?
Replies: 83
Views: 7456

Re: Should we temporarily reduce our retirement contributions in order to pay off our $400k mortgage in 7 years?

Don’t lose the investing space. Max out every thing you can. THEN, find money each month to add to your current monthly paymenmake sure the lender knows to apply to the principal.

7 years is way too long to stop investing.