Coffee Break: Canvas Clutch
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I would love one of these Olympia Le Tan clutches someday, despite the fact that there's probably a limited number of places you can wear them. They just seem super witty and clever, and the bookworm in me loves that they look like books!
They're $1,620-$2,820, at NET-A-PORTER.
(Of course, you can find similar designs on Etsy for a lot less, and even pay for a custom design for a specific book you love.)
Has anyone successfully gotten the Cologuard company to stop the incessant robocalls after they sent an unsolicited test kit? The one time the caller was a live person I told them to stop calling, but I still get a robocall at least once a day. They come from different numbers so blocking is ineffective.
Also how is a manufacturer’s sending a medical test that wasn’t prescribed or requested even legal? It seems like a scam–if I were to take this test and insurance were billed, then my insurance company would not have to cover my recommended screening colonoscopy, right?
No idea, but much sympathy on the daily solicitation calls. I’ve been pre-approved for a $70,000 loan every day for months now. Yay!!
And I apparently qualify for all kinds of discounts on my (nonexistent) tax liability.
This is why my phone is set to block calls from unknown numbers. The voicemails are bad enough.
I get multiple calls a day with this. I didn’t know I could block!
I don’t know if anyone’s still checking email over at the FTC, but: https://www.donotcall.gov/report.html
Back in the day, Kate Spade had clutches just like this! Bet you can still find them on eBay or poshmark. I had one (I think it was The Great Gatsby) and I was obsessed with it.
Talk to me about bonds – based on my age they’re supposed to be a big percentage of my portfolio. But every time I buy a bond fund or bond I regret it because the stocks or index funds so wildly outperform. Is anyone buying bonds? What are your “safe” investments?
I’d say if you’re old enough that bonds should be a big part of your investment portfolio, then you’re old enough to sit down with a financial advisor to talk about whether you’re on track with your retirement savings goals, and whether there’s anything you should tweak. (Assume you’re talking retirement savings since age and bonds are in the mix.)
+1 Bonds are the safest of the safe. They’re not supposed to “perform.” They’re supposed to safely hold your money with modest interest until their maturity date.
+1 Bonds aren’t supposed to “perform.” They’re supposed to safely hold your money with modest interest until their maturity date. The safest of the safe.
That is what everyone says until it is 2008 (or 1987 or 2000) and the market crashes. It is fine if you are 10 years away from needing that money, but if you need it in the short term, it should not be in equities. That is why “they” suggest an increasing amount in bonds the closer you are to retirement. You have less time to recover from the downturns.
a financial planner I know said she recommends blue chip stocks to her clients instead.
I honestly hate the age-based structuring of risk. I think the question is how close your investments are to the number you need them to be at in order to retire at your desired age. To take an extreme example, if you have $5m in the bank at 30 and you expect to spend $70,000 a year (inflation adjusted) in retirement, and you are capable of not emotionally selling or buying as a reaction to the market, you simply do not ever need to own a single bond. Your portfolio could take a 70% hit, and you’d still be on track to retire comfortably.
So: how much money do you need to have invested, taking into account how long it is until you plan to retire? How much money do you have currently invested? If you divide the first number by the second number, is it above or below 1? By how much? That’s the number that should be driving your risk evaluation.
Thank you for letting me rant.
The vast majority of people for whom the age-based advice is intended don’t begin with a massive amount in the bank like that. They are building towards that. The general advice makes sense for the general public. It’s not meant for 30 year old multi-millionaires.
+1
Yes as others are saying, bonds are meant to hold your money, not grow it. I’ve always done a more aggressive strategy than the target date funds suggest because my husband will likely work well past 65 and we have enough money at this point that probably a 1/10th of our portfolio could sustain us for 5 years through a market downtown.
Would appreciate some make-up recs. I’m looking for the “my features but better” look. Cool coloring with brown/hazel eyes, dark brows, fair skin +/- reddish tone, and hair is now a mix of brown/grey/white.
Mascara? Just want to separate and lengthen a bit. No clumps.
Daily lip product? A touch of color.
Clinique black honey and Burt’s bees weren’t quite right color wise.
Thanks