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Dottie57

I am seeing a Robin everyday for a week. Flying into my palladium window...for 7 or 8 hours..a..day. Driving my wife and I crazeeee. :twisted: I had a robin do that one year - early in the morning. I clsed my bedroom shades and it stopped. Think it saw it self in the window and wanted to chase the ...

Dottie57

Hot shower before bed.
Flax seed hot pad around the neck ( heated).
Relaxing my face - works extremely well for me. Really strange I know.

Dottie57

I’m a few years away from eligibility, still healthy and working but learn a few from reading book for Dummies and watching YouTube videos. First you sign up for part A (free) and B ($148.50 per month) at SSA.gov. Then visit Medicare.gov to pick a cheap part D (about $7 a month) as a placeholder an...

Dottie57

In your 401k, for stocks, take the following to make U.S. total stock. VINIX -- Vanguard Institutional Index -- .04% (tracks S&P) VIMAX -- Vanguard Mid Cap Index Adm -- .05% VSMAX -- Vanguard Small Cap Index Adm -- .05% Don’t know about the fixed income funds listed. I personally would use the f...

Dottie57

I’m a few years away from eligibility, still healthy and working but learn a few from reading book for Dummies and watching YouTube videos. First you sign up for part A (free) and B ($148.50 per month) at SSA.gov. Then visit Medicare.gov to pick a cheap part D (about $7 a month) as a placeholder an...

Dottie57

If you don't want to be an attorney, maybe a master's in legal studies is worth considering? Here is some info and an example: https://legalstudiesmastersonline.northeastern.edu Attorneys posting to the thread may be able to offer an opinion of such a degree. +1. Or studying constitutional law.

Dottie57

MarkBarb wrote: ↑Fri Apr 16, 2021 9:30 am American Greed - Looks at cases where greedy criminals commit fraud on victims who are often greedy themselves.

Interesting show, but also depressing.

Dottie57

I’ve thought of similar but when running the numbers the tax will likely cost more than my taxes for rest of my life. I have 6 years until SS (70), so will do moderate conversions until then.

Dottie57

Bogle7 wrote: ↑Fri Apr 16, 2021 3:12 am Our Sonicare is 19 years old.
When it dies I am going to Costco to buy a new one.

+1

Dottie57

BolderBoy wrote: ↑Fri Apr 16, 2021 8:34 am
Pimmerman wrote: ↑Thu Apr 15, 2021 7:37 pmThe only concern that presents itself to me is the possibility that a possible future son-in-law could somehow take some of the investments should he become a ex son-in-law.
IANAL.

Isn't this what pre-nups are designed to prevent?

I like the gifting now for their rIRAs approach.

I do too!

Dottie57

PVW wrote: ↑Tue Apr 13, 2021 5:37 pm File a complaint with the MN Public Utilities Commission.

Ditto.

Dottie57

Real wood also can be changed by sunlight over time. Mom had a coffee table that faded/blonded over 25 years. The big advantage I have seen is that I have cleaned and sanded 100 year old wood floors and they look brand new. LVT hasn't been around that long and when they fade, there is no fixing. Fa...

Dottie57

I just retired and have company 401k with Fidelity in target date fund. Want to rollover to IRA following Boglehead three fund portfolio. I thought it would be easier to stay with Fidelity, so I identified Fidelity Total Market Index Fund, Fidelity Total International Index Fund, Fidelity U.S. Bond...

Dottie57

Did you give consideration to LVP? Cheers Yes. Plenty of reports out there about fading due to sun. Revwood appears to be the better of the two. Interesting and disappointing to hear. LVT is what I was planning on going with if I ever had to replace floors. I would not go tile in bedrooms, having l...

Dottie57

Cash is King wrote: ↑Sun Apr 11, 2021 8:38 pm You may want to check out this company:

https://www.globalgemflooring.com/wp-co ... it_2_1.pdf

They are using SPC which is the third and latest generation of waterproof flooring.

Interesting link. Thank you

Dottie57

One of the areas I built my retirement nut on was to keep my housing costs low - below the median price. Lower utilities, property taxes and less space to store things. More $ for 401k. And savings.

I too believe renting a 1.5m. House would have far smaller pool f renters.

Dottie57

PoppyA wrote: ↑Sat Apr 10, 2021 8:51 pm Federally you can’t still file 2021 taxes as married. After that it will be single or head of household.

I thought OP could still file 2021 taxes (next year filing) as married.

Dottie57

Approximate Total Stock Market with these three: 3. Vanguard Institutional Index Fund Institutional Shares VINIX, ER 0.035% 6. Vanguard Mid-Cap Index Fund Admiral Shares VIMAX, 0.05% 7. Vanguard Small-Cap Index Fund Institutional Shares VSCIX, ER 0.23% https://www.bogleheads.org/wiki/Approximating_...

Dottie57

It is an easy card to use. And simple. Since I am retired, the 2 percent returned to me is the only new money I am investing.

Dottie57

Leave your will alone. There might be hard feelings. F Daughter wants it she can pay brother half. If she can’t afford it, then it is beyond her means.

Dottie57

aristotelian wrote: ↑Thu Apr 08, 2021 4:39 pm Yes, myself

Took the words right out of my mouth.

Dottie57

For myself, I own and I only refer to all of John Bogle's books. I do not need any other investment related books. I will not be looking for investment advice, I am interested in crowds and how the become infected with ideas that seem crazy to me. I expect the interview to be very interesting.

Dottie57

I don’t have the book, but am looking forward to the discussion.

Dottie57

Sorry, I value my life over money. The difference in safety in a crash between a similar new and 10-15 year old vehicle is massive. Very true especially at this point where there are so many new safety features. There are a lot of ways to increase wealth. My way is different than yours. I choose a ...

Dottie57

Katietsu wrote: ↑Wed Apr 07, 2021 8:16 am I am fascinated by the average age of cars in places like Texas. In my world, a Toyota driven for 15,000 miles a year as a daily driver in all weather gets taken out by corrosion well before it can get to 200k or 300k miles.

+1

Dottie57

ivgrivchuck wrote: ↑Sat Mar 27, 2021 2:48 pm
abuss368 wrote: ↑Sat Mar 27, 2021 2:32 pm What is your preference and why between Total Stock and S&P 500?
Total Stock.

- It's the simplest to own the whole market.
- I don't like that a committee decides on the stocks I invest in.

+1

Dottie57

I have spent around 48k the last two years. Part of this is healthcare ins which is 18k this year. Medicare starts next March, so my life is more expensive now than next year.

Dottie57

Nowizard wrote: ↑Mon Apr 05, 2021 12:58 pm +1 previous poster.

Tim

Agree..

Dottie57

rob wrote: ↑Sat Apr 03, 2021 8:00 pm Time to let it roam free on a farm

+1.

Dottie57

My megacorp didn’t allow anything after the federally mandated max contribution . Nada. Nomega backdoor roth.

However we did get a safe harbor contribution from employer that was greater than the match amount.

Dottie57

Thank you LadyGeek. To be clear, I am looking for what high earners spend their discretionary income on, excluding these items: - housing - education / childcare - charity This is personally actionable as I am considering how to ramp up my own discretionary spending. Why do you want to spend more, ...

Dottie57

NYGiantsFan wrote: ↑Fri Apr 02, 2021 3:42 pm In addition to all above suggestion, you should sign up for free Informed Delivery by USPS.
https://informeddelivery.usps.com/box/p ... art.action

That will allow you keep eye on random bill/mail coming to your home address while you are away.

+1 And the service is free.

Dottie57

I am slowly increasing our international allocation, will definitely go to 25% of equities, might go to 30%. I have found that holding VEA (Vanguard FTSE Developed Markets ETF) is much more palatable for me than holding VXUS (Total Intl. Stock ETF). Not holding China might cost me a bit, but I won'...

Dottie57

I wish I had bought to create a liability matching portfolio for years between retiring and age 70.

Dottie57

My parents invested in bonds - no stocks. Both lived through the depression. Dad’s life was the hardest living on a farm. During the summer, if asparagus was in season, it was breakfast , lunch and dinner. The farmhouse didn’t have electricity until he was 12. My dad did know that stocks were the wa...

Dottie57

I still declare myself "retired from" MEGACORP but I'm not sure if I'm speaking the truth to people. I guess it feels better than telling folks I'm unemployed, lol. There’s a difference between being retired and retired from some company. Just say you are retired. How you got there is les...

Dottie57

Rick Ferri wrote: ↑Tue Mar 30, 2021 3:17 pm Register HERE:

Saturday, April 10, 2020, 1 p.m. eastern time: Bill Bernstein in conversation with Bob Pisani

Thank you. I am quite interested in the new book.

Dottie57

Pick a retirement/future savings %.... ...THEN SPEND THE REST. This is what we did. I put together a plan in 1998, projected a number I wanted to get to at a certain age and a savings percent to get there and then monitored and adjusted. It’s been an imprecise ride but it’s been good enough. The re...

Dottie57

Hello Bogleheads! The John C. Bogle Center for Financial Literacy is excited to announce the next installment of the Bogleheads Speaker Series! Saturday, April 10, 2020, 1 p.m. eastern time: Bill Bernstein in conversation with Bob Pisani Please register to see Dr. Bill Bernstein talk about the mark...

Dottie57

I have a friend who makes about $700k/yr (exec in a publicly traded company, his salary and bonus is listed in the annual report) but moans to me that he has little to save for retirement and he will be working in his 70s. The bulk of his free cash flow after taxes goes to alimony, child support, a...

Dottie57

In my 20s I was fine flying coach... but the service/seat pitch has degraded now to the point where biz class is the only thing I can tolerate for flights >= 4hrs. My knees just aren’t what they once were. An extra $300-400 per flight is irrelevant to me.... my knees/dignity are worth more. ... I w...

Dottie57

I had one for a year. Handled well, comfortable, well made, AWD, good on snow/rain, etc. However, I didn't like the CVT (transmission) and the car sits too low for me. So I got something else that my knees like a lot better. :D Thanks for the "knees" advice. I've been considering a 3rd &q...

Dottie57

He also wouldn't have 180 days off every year... To clarify, teachers work about 180 days per year, which is 36 full weeks. His 180 days off includes weekends and legal holidays. Which means 365 - 180 = 185 days off ( includes weekends and holidays). This seems pretty good work life balance. The 36...

Dottie57

Can’t one pay taxes each year you hold the ibonds?

Dottie57

Took a walk at NJ's Great Swamp National Wildlife Refuge yesterday. Pair of American Kestrels were hanging out in the still bare trees. Numerous Eastern Phoebes and a lone Pine Siskin along the road into the swamp. A pair of flyover Sandhill Cranes - magnificent in flight! As others have mentioned ...

Dottie57

Are there scammers out there who pray on people who have lst a relative lately? Got a call indicating my dad was behind in paying maintenance on his timeshare. Dad has dementia for 10 years, mom was constantly with him and asked if he wanted a timeshare he would have said “what is a timeshare?”

Dottie57

A one time fee of 1k is too much to insure your right to the property? 80% of the title will be insured (lenders title insurance), it's just my 20% that would be self-insured. There is the title search to further reduce the risk. Just trying to weigh the pros and cons here. Sounds like I should get...

Dottie57

Guys, it's not about "riding out the volatility" It's not about whether he has the "stomach" to stay the course during a crash. 100% stocks at the start of retirement is dangerous BECAUSE YOU CAN RUN OUT OF MONEY. Doesn't matter how strong your stomach is. You still end up broke...

Dottie57

https://www.santacruzsentinel.com/wp-content/uploads/2020/12/STC-L-TURKEY-1212-01_79566429.jpg?w=1000 We had a rafter (flock) of these up in the woods behind our house last night. David Well their long distance cousins here in Minnesota woke me up last week with a loud chorus of gobbling. I thought...

Dottie57

A one time fee of 1k is too much to insure your right to the property?

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