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Viewing profile - 4happycaligirl

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4happycaligirl
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Joined: Mon Mar 18, 2013 9:48 am
Last visited: Sun Nov 03, 2013 10:01 am
Total posts: 15
[0.02% of all posts / 0.01 posts per day]
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Most active forum: Personal Finance
[ 15 Posts / 100.00% of user’s posts ]
Most active topic: investment timing question
[ 8 Posts / 53.33% of user’s posts ]

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4happycaligirl Posts

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 Forum: Personal Finance   Topic: investment timing question

Posted: Wed Apr 10, 2013 8:51 pm 

Replies: 35
Views: 3210


You might want to take Helaine Olen's book out of the library instead of buying it. I liked it well enough, but kind of regretted spending money on it. Thanks for the suggestion. My kindle "wish list" consists of items I intend to read at some point, and I try to remember to check the lib...

 Forum: Personal Finance   Topic: investment timing question

Posted: Wed Apr 10, 2013 12:54 pm 

Replies: 35
Views: 3210


Thanks Brad! Book recommendations are good! I've gone through most I've found mentioned in positive comments here and on other forums I haunt. I'll add that my kindle "wish list" so I can get it as soon as I finish the Bogleheads.

 Forum: Personal Finance   Topic: investment timing question

Posted: Wed Apr 10, 2013 12:27 pm 

Replies: 35
Views: 3210


Oh my ... I had no idea! While I knew he was some sort of get-out-of-debt guru, it was his "all debt is bad debt" philosophy that turned me off. My in-laws are almost cult-like in their enthusiasm for all things Dave Ramsey, to the point where they flat out told us we could not afford our ...

 Forum: Personal Finance   Topic: investment timing question

Posted: Wed Apr 10, 2013 11:07 am 

Replies: 35
Views: 3210


It is interesting to see the perspectives on individual stocks. I was curious about the experience, because I know this is not an activity I'm likely to ever take up. RayinPenn, would you share your statistics as to how your portfolio has done through the years? I'm curious how it compares to invest...

 Forum: Personal Finance   Topic: investment timing question

Posted: Tue Apr 09, 2013 7:52 am 

Replies: 35
Views: 3210


The water utility I own is about as boring an investment s you can get - but I can "set it and forget it" -To me that pretty exciting. I can remember my first bonus and buying Exxon and a long since merged out of existence regional bank. Those first dividends established a life long conne...

 Forum: Personal Finance   Topic: investment timing question

Posted: Mon Apr 08, 2013 12:47 pm 

Replies: 35
Views: 3210


As for dividends, there's a really good six-part series on common myths about dividends here: http://canadiancouchpotato.com/2011/01/18/debunking-dividend-myths-part-1/ It's written for Canadians, but much of what he says here applies generically in the US as well (except for Myth #5, which applies...

 Forum: Personal Finance   Topic: investment timing question

Posted: Mon Apr 08, 2013 8:57 am 

Replies: 35
Views: 3210


Thanks for the thoughtful replies. I am dealing with a psychological hurdle dealing with the actual deposit into investment account process. My initial impulse was to invest this windfall in monthly installments over the course of 6 months to a year, but then I started second guessing myself. Bincho...

 Forum: Personal Finance   Topic: investment timing question

 Post subject: investment timing question
Posted: Sun Apr 07, 2013 10:34 pm 

Replies: 35
Views: 3210


I presently have $120,000 in beneficiary cash sitting in a savings account. This is "found" money, inherited from my mother, and is completely separate from the rest of our savings, retirement, and investment accounts. As I discussed in a previous post, we have decided to invest this money...

 Forum: Personal Finance   Topic: Health Savings Account Custodian

Posted: Wed Apr 03, 2013 12:31 pm 

Replies: 10
Views: 2095


4happycaligirl, I have looked up HSA Administration and love that the work with Vanguard Mutual Funds. Have you had to withdrawal from that account for medical expenses? How was the experience? Be sure to link your checking account and you'll have no issues with withdrawals. It does take about 3 da...

 Forum: Personal Finance   Topic: Health Savings Account Custodian

Posted: Wed Apr 03, 2013 10:05 am 

Replies: 10
Views: 2095


I use HSA Administrators. My small business employer does not contribute to our HSA accounts, does not provide pre-tax payroll deductions for HSAs, or pay for any of the expenses, so I have had to send contributions to them and take the write-off on my taxes. I also pay the annual fee for the accoun...

 Forum: Personal Finance   Topic: inheritance

 Post subject: Re: inheritance
Posted: Wed Mar 20, 2013 11:37 pm 

Replies: 27
Views: 3207


Did your Mom have a mortgage on her home? For me You honor your Moms memory by locking it up in a prudent and safe investment like your home. Yeah safe because you have to live somewhere. Yep, my parents had a 30-year mortgage and made all 360 payments. Of course, they purchased their place in 1973...

 Forum: Personal Finance   Topic: inheritance

 Post subject: Re: inheritance
Posted: Tue Mar 19, 2013 8:52 pm 

Replies: 27
Views: 3207


RayinPenn, I certainly appreciate your perspective, as we are extremely debt-adverse and conservative with our finances and investment choices because of our age and the late start with retirement saving. However, this money is a completely unexpected windfall, not borrowed to gamble with in the sto...

 Forum: Personal Finance   Topic: inheritance

 Post subject: Re: inheritance
Posted: Tue Mar 19, 2013 10:19 am 

Replies: 27
Views: 3207


Thanks for all the replies and advice. I sleep just fine with our mortgage payment and have tended to lean more toward the investing option, yet I was having difficulty articulating why I feel that way. Our biggest financial mistakes have occurred when we did not have a goal or a plan to achieve it,...

 Forum: Personal Finance   Topic: inheritance

 Post subject: inheritance
Posted: Mon Mar 18, 2013 10:15 am 

Replies: 27
Views: 3207


My mom recently passed away and I'm starting the process of settling her estate. Doing the paperwork with insurance/annuity companies and her banks outside of probate, it looks like I will be receiving about $200,000 outside of probabe and am undecided about how best to allocate this money. Once the...
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