Search found 9763 matches

by Dottie57
Fri Apr 16, 2021 9:44 am
Forum: Personal Consumer Issues
Topic: Please suggest a docuseries to watch
Replies: 7
Views: 428

Re: Please suggest a docuseries to watch

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.
by Dottie57
Fri Apr 16, 2021 9:40 am
Forum: Personal Investments
Topic: Insane Roth conversion Idea to qualify for max ACA subsidies
Replies: 10
Views: 950

Re: Insane Roth conversion Idea to qualify for max ACA subsidies

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.
by Dottie57
Fri Apr 16, 2021 9:29 am
Forum: Personal Consumer Issues
Topic: Electric Toothbrush Replacement Recommendations?
Replies: 20
Views: 1000

Re: Electric Toothbrush Replacement Recommendations?

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
by Dottie57
Fri Apr 16, 2021 8:46 am
Forum: Personal Investments
Topic: Roth Help for Adult Children or Inheritances?
Replies: 18
Views: 1258

Re: Roth Help for Adult Children or Inheritances?

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!
by Dottie57
Wed Apr 14, 2021 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: How would you handle this? -- big utility company problem!
Replies: 56
Views: 3432

Re: How would you handle this? -- big utility company problem!

PVW wrote: Tue Apr 13, 2021 5:37 pm File a complaint with the MN Public Utilities Commission.
Ditto.
by Dottie57
Mon Apr 12, 2021 7:43 pm
Forum: Personal Consumer Issues
Topic: Flooring decisions for whole house - tile vs laminate
Replies: 31
Views: 2823

Re: Flooring decisions for whole house - tile vs laminate

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...
by Dottie57
Mon Apr 12, 2021 7:39 pm
Forum: Personal Investments
Topic: Fidelity pushing deferred annuity
Replies: 14
Views: 1340

Re: Fidelity pushing deferred annuity

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...
by Dottie57
Mon Apr 12, 2021 12:59 pm
Forum: Personal Consumer Issues
Topic: Flooring decisions for whole house - tile vs laminate
Replies: 31
Views: 2823

Re: Flooring decisions for whole house - tile vs laminate

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...
by Dottie57
Mon Apr 12, 2021 12:55 pm
Forum: Personal Consumer Issues
Topic: Flooring decisions for whole house - tile vs laminate
Replies: 31
Views: 2823

Re: Flooring decisions for whole house - tile vs laminate

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
by Dottie57
Mon Apr 12, 2021 11:26 am
Forum: Personal Investments
Topic: Buying a 1.5M house in Austin. Should I pull it?
Replies: 51
Views: 5331

Re: Buying a 1.5M house in Austin. Should I pull it?

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.
by Dottie57
Sat Apr 10, 2021 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: [Spouse recently passed away. Please help me handle his financial matters]
Replies: 111
Views: 7278

Re: Spouse died in January: What taxes do I need to be aware of?

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.
by Dottie57
Sat Apr 10, 2021 7:41 pm
Forum: Personal Investments
Topic: Job after lay-off: Which strategy to follow?
Replies: 16
Views: 2814

Re: Job after lay-off: Which strategy to follow?

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_...
by Dottie57
Thu Apr 08, 2021 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your View Of the Fidelity 2% Cash Back Visa Credit Card
Replies: 62
Views: 5294

Re: What's Your View Of the Fidelity 2% Cash Back Visa Credit Card

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.
by Dottie57
Thu Apr 08, 2021 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: My House
Replies: 7
Views: 752

Re: My House

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.
by Dottie57
Thu Apr 08, 2021 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Do you LOVE your tax professional?
Replies: 19
Views: 1668

Re: Do you LOVE your tax professional?

aristotelian wrote: Thu Apr 08, 2021 4:39 pm Yes, myself 😁
Took the words right out of my mouth.
by Dottie57
Wed Apr 07, 2021 7:56 pm
Forum: Investing - Theory, News & General
Topic: LIVE interview with Bill Bernstein, author of "The Delusions of Crowds: Why People Go Mad in Groups"
Replies: 15
Views: 3153

Re: LIVE interview with Bill Bernstein, author of "The Delusions of Crowds: Why People Go Mad in Groups"

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.
by Dottie57
Wed Apr 07, 2021 10:31 am
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 279
Views: 19947

Re: The $2000-$4000 Car :) This made me wealthy so jump on board

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 ...
by Dottie57
Wed Apr 07, 2021 10:17 am
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 279
Views: 19947

Re: The $2000-$4000 Car :) This made me wealthy so jump on board

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
by Dottie57
Tue Apr 06, 2021 11:04 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 v Total Stock - What is your favorite and why?
Replies: 104
Views: 8901

Re: S&P 500 v Total Stock - What is your favorite and why?

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
by Dottie57
Tue Apr 06, 2021 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: For those retired or FI, how much do you spend annually?
Replies: 286
Views: 20732

Re: How much do you spend annually in retirement?

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.
by Dottie57
Mon Apr 05, 2021 1:19 pm
Forum: Personal Investments
Topic: How to shift to more conservative AA
Replies: 12
Views: 1167

Re: How to shift to more conservative AA

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

Tim
Agree..
by Dottie57
Sun Apr 04, 2021 5:24 pm
Forum: Personal Consumer Issues
Topic: Repair or Replace 2003 Toyota Corolla
Replies: 67
Views: 5626

Re: Repair or Replace 2003 Toyota Corolla

rob wrote: Sat Apr 03, 2021 8:00 pm Time to let it roam free on a farm :-)
+1.
by Dottie57
Sat Apr 03, 2021 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Megacorp imposed 401k After-tax contribution cap
Replies: 26
Views: 2352

Re: Megacorp imposed 401k After-tax contribution cap

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.
by Dottie57
Fri Apr 02, 2021 11:29 pm
Forum: Personal Consumer Issues
Topic: High spenders what do you spend on?
Replies: 255
Views: 25143

Re: High spenders what do you spend on?

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, ...
by Dottie57
Fri Apr 02, 2021 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Snowbirds - mail and bills
Replies: 42
Views: 4293

Re: Snowbirds - mail and bills

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.
by Dottie57
Thu Apr 01, 2021 6:20 pm
Forum: Investing - Theory, News & General
Topic: Anyone increasing international allocation?
Replies: 121
Views: 7622

Re: Anyone increasing international allocation?

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'...
by Dottie57
Thu Apr 01, 2021 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: E - Bonds - Does anyone still buy them anymore???
Replies: 3
Views: 406

Re: E - Bonds - Does anyone still buy them anymore???

I wish I had bought to create a liability matching portfolio for years between retiring and age 70.
by Dottie57
Wed Mar 31, 2021 11:05 pm
Forum: Personal Investments
Topic: How can my father see the light?
Replies: 53
Views: 6193

Re: How can my father see the light?

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...
by Dottie57
Wed Mar 31, 2021 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Retire vs resign - Is there a difference?
Replies: 81
Views: 8146

Re: Retire vs resign - Is there a difference?

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...
by Dottie57
Tue Mar 30, 2021 5:14 pm
Forum: Investing - Theory, News & General
Topic: Register NOW for these Bogleheads Speaker Series Events
Replies: 119
Views: 12668

Re: Register NOW for these Bogleheads Speaker Series Events

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.
by Dottie57
Tue Mar 30, 2021 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Spending money and living now VS saving and living better later?
Replies: 82
Views: 17308

Re: Spending money and living now VS saving and living better later?

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...
by Dottie57
Tue Mar 30, 2021 12:37 pm
Forum: Investing - Theory, News & General
Topic: Register NOW for these Bogleheads Speaker Series Events
Replies: 119
Views: 12668

Re: Register NOW for these Bogleheads Speaker Series Events

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...
by Dottie57
Mon Mar 29, 2021 8:57 pm
Forum: Personal Consumer Issues
Topic: High spenders what do you spend on?
Replies: 255
Views: 25143

Re: High spenders what do you spend on?

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...
by Dottie57
Mon Mar 29, 2021 3:52 pm
Forum: Personal Consumer Issues
Topic: High spenders what do you spend on?
Replies: 255
Views: 25143

Re: High spenders what do you spend on?

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...
by Dottie57
Mon Mar 29, 2021 12:05 pm
Forum: Personal Consumer Issues
Topic: Why are Subarus so popular?
Replies: 114
Views: 6231

Re: Why are Subarus so popular?

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...
by Dottie57
Mon Mar 29, 2021 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 652
Views: 48214

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

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...
by Dottie57
Sun Mar 28, 2021 8:38 pm
Forum: Personal Investments
Topic: I Bond Sell Strategy
Replies: 82
Views: 6994

Re: I Bond Sell Strategy

Can’t one pay taxes each year you hold the ibonds?
by Dottie57
Sun Mar 28, 2021 6:52 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1051
Views: 47788

Re: Bird watchers – what birds are you seeing?

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 ...
by Dottie57
Sat Mar 27, 2021 7:55 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 452
Views: 33153

Re: [On-going Scams - Post them here]

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?”
by Dottie57
Fri Mar 26, 2021 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Owners Title Ins., purchasing property from Judge
Replies: 43
Views: 2626

Re: Owners Title Ins., purchasing property from Judge

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...
by Dottie57
Fri Mar 26, 2021 9:42 am
Forum: Personal Investments
Topic: If I can be in equities when I’m in my 20s and 30s why shouldn’t I hold all equities until the day I die?
Replies: 72
Views: 6562

Re: If I can be in equities when I’m in my 20s and 30s why shouldn’t I hold all equities until the day I die?

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...
by Dottie57
Thu Mar 25, 2021 9:30 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1051
Views: 47788

Re: Bird watchers – what birds are you seeing?

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...
by Dottie57
Thu Mar 25, 2021 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Owners Title Ins., purchasing property from Judge
Replies: 43
Views: 2626

Re: Owners Title Ins., purchasing property from Judge

A one time fee of 1k is too much to insure your right to the property?
by Dottie57
Thu Mar 25, 2021 5:16 pm
Forum: Personal Consumer Issues
Topic: Digital persona - curating your online presence
Replies: 28
Views: 2077

Re: Digital persona - curating your online presence

No twitter. Facebook with no posts. This forum and one other with fake names.
by Dottie57
Thu Mar 25, 2021 10:03 am
Forum: Personal Consumer Issues
Topic: What is the BEST thing you spent money on?
Replies: 242
Views: 23751

Re: What is the BEST thing you spent money on?

And drinking good scotch! Old glendronach is the best! I wish I could bring myself to drink mine! I have a 20 and a 24 bought at the distillery around 6 years ago and can’t seem to open them up. The 20 was the last bottle of some special edition they had. Others have said it, but LASIK was a game c...
by Dottie57
Wed Mar 24, 2021 2:43 pm
Forum: Personal Consumer Issues
Topic: Need a TV - What Brand
Replies: 37
Views: 2267

Re: Need a TV - What Brand

teCh0010 wrote: Wed Mar 24, 2021 8:43 am Separate the smart features from the TV, you will be happier in the long run. Most TVs are terrible at keeping their smart features up to date.

Buy an Apple TV streaming box and connect it to whatever TV you pick.
+1. I have had AppleTVs for years and they work very well.
by Dottie57
Wed Mar 24, 2021 10:12 am
Forum: Personal Consumer Issues
Topic: benefit of vaccination with kids at home
Replies: 26
Views: 1575

Re: benefit of vaccination with kids at home

My advice is to cool the desire to travel.. wait for the vaccine to be available for your 16 yo. Less than a year. Testing on youngsters will be done by fall.

How would you feel if your child caught the virus?
by Dottie57
Tue Mar 23, 2021 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Tales from this insane real estate market
Replies: 420
Views: 51416

Re: Tales from this insane real estate market

Dang! Sounds like I am screwed in buying a new place. Didn’t quite have the money last year, but now that I do, prices are definitely up in my area.
by Dottie57
Tue Mar 23, 2021 1:48 pm
Forum: Personal Consumer Issues
Topic: budget espresso maker
Replies: 67
Views: 3736

Re: budget espresso maker

They're the Razor and blades model. In the long run, you're paying way more, and we haven't begun to talk about coffee quality. Well, if you are buying reusable pods then you're not paying for any "blades", and you get to choose the coffee beans you like. There's something to be said for ...