Search found 9751 matches

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: 52
Views: 3688

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: 732

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: 1640

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: 11
Views: 2067

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: 212
Views: 14012

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: 212
Views: 14012

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: 8741

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: Investing - Theory, News & General
Topic: How much do you spend annually in retirement?
Replies: 112
Views: 10057

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: 1150

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: 5416

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: 2340

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: 228
Views: 21960

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: 4203

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: 7565

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: 405

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: 6167

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: 8123

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: 112
Views: 11972

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: 7313

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: 112
Views: 11972

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: 228
Views: 21960

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: 228
Views: 21960

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: 6206

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: 48025

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: 6847

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: 1034
Views: 46916

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: 451
Views: 32713

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: 2617

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: 6542

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: 1034
Views: 46916

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: 2617

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: 2073

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: 239
Views: 22481

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: 2259

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: 1570

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: 402
Views: 46950

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: 3703

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 ...
by Dottie57
Mon Mar 22, 2021 10:33 pm
Forum: Personal Consumer Issues
Topic: Baylor, Auburn or ‘Bama?
Replies: 73
Views: 5201

Re: Baylor, Auburn or ‘Bama?

My dad went to Alabama Polytechnic - became Auburn. I like the school colors.....
by Dottie57
Mon Mar 22, 2021 8:21 pm
Forum: Personal Consumer Issues
Topic: budget espresso maker
Replies: 67
Views: 3703

Re: budget espresso maker

I am happy with my Nespresso Pixie. Better than a Mr Coffee.
by Dottie57
Mon Mar 22, 2021 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-Retirement & Just Retired - Suggestions or lessons learned?
Replies: 10
Views: 1229

Re: Pre-Retirement & Just Retired - Suggestions or lessons learned?

Wish I had built up my taxable and roth more.

It took me time to adjust to retirement, but three years in I have more ideas and interests.
by Dottie57
Sun Mar 21, 2021 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: How to Deal with Worry of job loss and providing for family?
Replies: 127
Views: 10255

Re: How to Deal with Worry of job loss and providing for family?

I found the fear of losing my job hard to manage. I dealt with it by having enough in a bank account to pay the basics for a year. I also worked hard to provide value to my employer - kept a list of achievements for my review. Control what you can (spending and saving) and make sure your boss knows ...
by Dottie57
Sun Mar 21, 2021 9:49 pm
Forum: Personal Consumer Issues
Topic: Cleaning up aunt's URBAN condo
Replies: 34
Views: 2431

Re: Cleaning up aunt's URBAN condo

People will buy real estate on an as-is basis, even places stuffed to the gills with junk. I did it once. A man had passed and his wife was disabled needing nearly full time care. Their adult children, 3 or 4 of them lived about 1.5 hours away and had listed the house but not cleaned it out. I boug...
by Dottie57
Sun Mar 21, 2021 8:59 pm
Forum: Personal Consumer Issues
Topic: Cleaning up aunt's URBAN condo
Replies: 34
Views: 2431

Re: Cleaning up aunt's URBAN condo

Save family pictures. I wish I hade more. I am doing Geneology for my family and wish I had more. Even if Op and family don’t want them following generations might.
by Dottie57
Sun Mar 21, 2021 2:34 pm
Forum: Personal Consumer Issues
Topic: Digital Music/Audio Makeover
Replies: 27
Views: 1760

Re: Digital Music/Audio Makeover

OP, You realize SONOS s streaming music, right? CDs can can be ripped into mp3 or an Apple format files and sent to a Sonos speaker via Airplay2. Sonos makes an amplifier where inputs are streaming services, airplay2, CD player, turntable and played on your speakers . I am sure there are other solut...
by Dottie57
Sun Mar 21, 2021 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Can you give financial advice to friends and receive money?
Replies: 54
Views: 4564

Re: Can you give financial advice to friends and receive money?

Additionally, I would say I am not liable for this information, you can take it with a grain of salt. I wouldn't waste my breath saying that because I guarantee you would be the only person who remembered that part of the conversation. Whatever, to each's own, been doing this for several decades, n...
by Dottie57
Sun Mar 21, 2021 1:39 pm
Forum: Forum Issues and Administration
Topic: FIRE sub forum
Replies: 37
Views: 3184

Re: FIRE sub forum

It seems to me that a lot of objections to "FIRE" here are really to that term, or some figures in the movement. I'll cop to finding the term a little annoying. I think I also get irked by the idea that some FIRE people ask why anyone bothers to continue working after they reach financial...
by Dottie57
Sun Mar 21, 2021 9:14 am
Forum: Personal Investments
Topic: What do most people do with a 401K upon retirement if they dont need it?
Replies: 169
Views: 15188

Re: What do most people do with a 401K upon retirement if they dont need it?

And here I thought OP was at retirement !

OP, you are too far away from retirement to start making decisions. Beyond what to put retirement funds. Pensions can be eliminated, stock market crashes, health issues. Best to have too much rather than too little.
by Dottie57
Sat Mar 20, 2021 4:54 pm
Forum: Personal Investments
Topic: Rip the Band-Aid off now or slowly convert portfolio over time?
Replies: 21
Views: 2666

Re: Rip the Band-Aid off now or slowly convert portfolio over time?

How much capital gains tax would you end up paying if you rip the bandaid off! How much in short and long term capital gains do you have?
by Dottie57
Sat Mar 20, 2021 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Can you give financial advice to friends and receive money?
Replies: 54
Views: 4564

Re: Can you give financial advice to friends and receive money?

retired@50 wrote: Sat Mar 20, 2021 11:56 am Maybe you could direct your friends with questions to set up an account at Bogleheads.org

Regards,
I’ve tried that with friends and family? Most want someone totell them what to do.