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Re: Help to invest $120.000 [Norway]

3.25% interest on savings sounds great. Much better than US.

For you, how does 3.25% compare with yields on bond funds available to you -- are bond funds even better? If so, you want a bond fund along with the savings account.
by Christine_NM
Mon Sep 01, 2014 5:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Help to invest $120.000 [Norway]
Replies: 5
Views: 307

Re: WSJ: Firing One's Advisor

Noblet's adviser was in a no-win situation. If he did something, it went wrong. If he didn't do anything, was he worth paying? This may have been a composite of frequent mistakes made by advisers and clients alike, rather a true blow-by-blow description of Noblet's personal experience. I never know ...
by Christine_NM
Sat Aug 30, 2014 8:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: WSJ: Firing One's Advisor
Replies: 18
Views: 1965

Re: My husband's " WILL", $ left for me to live on....

Ineedadvice50, Do you, by any chance, share your email address with your husband? If so, whenever someone sends you a private message, another message is sent to your (and your husband's) email address. That is a likely way he would know about this topic. (See the upper left corner to see if you ha...
by Christine_NM
Sat Aug 30, 2014 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 16430

Re: My husband's " WILL", $ left for me to live on....

One more tip -

If you do go to a family law attorney, make sure he/she has not worked with your husband (accountant) in the past. Conflict of interest, plus professionally embarrassing to your husband. Whatever he is up to, I doubt he would want colleagues to know about it.
by Christine_NM
Thu Aug 28, 2014 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 16430

Re: My husband's " WILL", $ left for me to live on....

Your Social Security benefit will increase the more you work. At your full retirement age it may or may not exceed his, depending on how long you work and what your pay is. Historically a wife's benefit has been less than a husband's, but in future years I expect it will be neck and neck (difference...
by Christine_NM
Thu Aug 28, 2014 6:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 16430

Re: My husband's " WILL", $ left for me to live on....

About OP getting a job -- There may be apparent disadvantages to working, like being expected to contribute to current living expenses, which is crummy, since the only reason you have to work now is to prevent hardship later. If you push back a little, and say you need this money for retirement beca...
by Christine_NM
Thu Aug 28, 2014 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 16430

Re: What to do with individual stock I received?

I would keep the stock and reinvest the dividends in index funds in your taxable account or Roth IRA. Consider selling when you have a large enough capital loss in your taxable account to offset the LTCG. Disclosure: I have an inherited stock like this. I can't quite bring myself to sell it yet even...
by Christine_NM
Tue Aug 26, 2014 11:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with individual stock I received?
Replies: 42
Views: 1918

Re: What are you up YTD?

Stocks: 47%
Bonds: 53%

Up: 6%

Ask again in January.
by Christine_NM
Tue Aug 26, 2014 8:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 94
Views: 6263

Re: Portfolio advice for Mom at 86 years

Never thought I'd say this, but I'm inclined to agree, leave it alone. Vanguard and low cost investing are helpful in the growth phase (including early retirement). But not much is to be gained in the last ten years or so if the current situation is sustainable. Moving all the money around will caus...
by Christine_NM
Tue Aug 26, 2014 4:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for Mom at 86 years
Replies: 23
Views: 1777

Re: Telling my friends I paid off my houses was a mistake.

Maybe they are imagining what they would do if they were debt-free, and their wishes show why they aren't. They really don't want to be debt-free. They'd be shocked if you did what they said, right? No harm done if you think of the "advice" as their own daydream. Generally I never talk abo...
by Christine_NM
Mon Aug 25, 2014 1:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Telling my friends I paid off my house was a mistake.
Replies: 73
Views: 10125

Re: AA out of whack - need rebalancing advice!

Tax-deferred: Intermediate-Term Treasury Fund Admiral Shares 15% Total Stock Market Index Fund Admiral Shares 44% Inflation-Protected Securities Fund Admiral Shares 12% Vanguard 500 Index Fund Admiral Shares 23% Looks like the above tax-deferred funds will be where rebalancing is done. You could tak...
by Christine_NM
Sun Aug 24, 2014 2:20 am
 
Forum: Investing - Help with Personal Investments
Topic: AA out of whack - need rebalancing advice!
Replies: 11
Views: 1080

Re: Is it me, or are "collectibles" worthless in 2014?

Antiques Roadshow is running a series on updates of 1999 values. A lot of their valuations have gone down. Only the really good quality, rare stuff seems to have appreciated.
by Christine_NM
Sat Aug 23, 2014 7:40 pm
 
Forum: Personal Consumer Issues
Topic: Is it me, or are "collectibles" worthless in 2014?
Replies: 79
Views: 6009

Re: When did you hear of Bill Miller and Legg Mason Value Tr

1995. That was the first year I started a taxable investment account in addition to 401(k) and IRA. I had owned stocks with a broker in the 70's but the commissions were ridiculous. In 1995 I looked at everything so Legg Mason popped up. Thankfully I went with Vanguard 500 Index because of an articl...
by Christine_NM
Thu Aug 21, 2014 10:55 pm
 
Forum: Investing - Theory, News & General
Topic: When did you hear of Bill Miller and Legg Mason Value Trust?
Replies: 32
Views: 2322

Re: Close to retirement(6years) - want to maximize investmen

The best thing to do in the years just before retirement is to keep a spreadsheet of expenses, per Rick Ferri's advice. Sorry I don't recall which of his books I read that in. I tracked nearly every dollar for about 3 years before and 3 years after retirement. That was not a budget, but the input I ...
by Christine_NM
Tue Aug 19, 2014 2:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Close to retirement(6years) - want to maximize investments
Replies: 12
Views: 1168

Re: Pressure Cookers?

BFG - Look at Farberware or Cuisinart pressure cookers on Amazon (or a store). I had a Farberware for a few years but tossed it when I retired. These don't use the stovetop, they have a built-in heating element and you plug the PC into a wall outlet like a rice cooker or coffeemaker. The only drawba...
by Christine_NM
Sat Aug 16, 2014 11:14 am
 
Forum: Personal Consumer Issues
Topic: Pressure Cookers?
Replies: 46
Views: 3282

Re: Do you diversify into international bond?

That's a great thought but how do you determine with a fund is needless? Good question. Why start with international bonds just because they are now easy to buy. Greater availability implies to me a stronger correlation with Total Bond in the future. The buyers/sellers of international bonds now ov...
by Christine_NM
Fri Aug 15, 2014 8:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you diversify into international bond?
Replies: 33
Views: 2219

Re: Do you diversify into international bond?

Per Strunk & White, omit needless funds. Writing and investing have a lot in common.
by Christine_NM
Fri Aug 15, 2014 7:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you diversify into international bond?
Replies: 33
Views: 2219

Re: Where to live? She works in Boston, he works in Worceste

Something like this -- walkable, allows 2 pets: http://www.cloverleafapts.com/Natick-MA-apartments.asp It's in Natick. I grew up there (not in the apartment building!) and as I recall Natick is nicer than Framingham and not as snooty as Wellesley, Newton, Weston, Brookline and all the rest. There wa...
by Christine_NM
Thu Aug 14, 2014 6:05 pm
 
Forum: Personal Consumer Issues
Topic: Where to live? She works in Boston, he works in Worcester
Replies: 27
Views: 2151

Re: tipping a house painter?

I wouldn't tip a big-company crew. But if I were going to, I'd make it at least 10%-15%, which hopefully will be shared with crew who did the most work.

I hired an out-of-work painter (friend of a friend) with two helpers and he shared the tip equally with them.
by Christine_NM
Thu Aug 14, 2014 2:48 pm
 
Forum: Personal Consumer Issues
Topic: tipping a house painter?
Replies: 13
Views: 1391

Re: Advice for my mother (Widowed @ 62)

Perhaps it would not be a great idea to post the portfolio in full detail here. I think we can get the picture already. As soon as your Mom tells someone you posted the portfolio on an investment forum, you will get some flak and maybe lose some credibility. Mainly she should consider if the service...
by Christine_NM
Wed Aug 13, 2014 7:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice for my mother (Widowed @ 62)
Replies: 13
Views: 1374

Re: Where do you buy clothes?

If LL Bean doesn't have it, I don't need it :happy
by Christine_NM
Sun Aug 10, 2014 6:25 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 9107

Re: Good place to park ~$500k for house remodel/teardown?

I used Admiral Treasury Money Market fund, but that is closed now.

Long term fund records don't mean much in the course of one year. State-specific TE funds, really any bond funds, are a tad too risky for money you are counting on having intact in a year.
by Christine_NM
Sat Aug 09, 2014 11:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Good place to park ~$500k for house remodel/teardown?
Replies: 17
Views: 2440

Re: Your Favorite charity organization...? please

Automatic monthly donation either to Salvation Army (for local) or to MSF (for international).
by Christine_NM
Fri Aug 08, 2014 1:29 pm
 
Forum: Personal Consumer Issues
Topic: Your Favorite charity organization...? please
Replies: 91
Views: 4213

Re: How often do you replace bath towels?

I was writing a serious post about my towel and laundry habits but have mercifully spared you. The most interesting part was, there's a striped towel that I bought 20 years ago that I really like and probably will never throw out. I don't use it much anymore, but am always happy to give it a gentle ...
by Christine_NM
Fri Aug 08, 2014 12:22 pm
 
Forum: Personal Consumer Issues
Topic: How often do you replace bath towels?
Replies: 50
Views: 3745

Re: RMD & Social Security

Here's an old thread on the issue, maybe it will help, maybe not:

viewtopic.php?t=69467

I find it all very confusing and know nothing about 457's, so will not comment.
by Christine_NM
Thu Aug 07, 2014 4:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD & Social Security
Replies: 7
Views: 950

Re: December RMD Withdrawal Timing Question

I'm in the don't-delay camp. I use the RMD to pay all taxes, with the balance going to a tax-exempt fund in my Vanguard taxable account. So as soon as I can reasonably estimate the next year's tax liability I schedule the RMD. This year that was in June. I don't want any growth in my IRA at this poi...
by Christine_NM
Thu Aug 07, 2014 1:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: December RMD Withdrawal Timing Question
Replies: 35
Views: 1428

Re: [If over 50] Do you prepare for long term care

I have an LTC policy but it is not enough to cover the full cost of care. Still, it would be a significant income increase and with it I can self-insure the rest.

Hope I never need it. Medicare covers a short hospice stay and that's second best to dying in your sleep.
by Christine_NM
Thu Aug 07, 2014 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: [If over 50] Do you prepare for long term care
Replies: 43
Views: 2111

Re: 22 year old College Senior--Tips for my portfolio

I like to keep emergency fund in a savings account and definitely not in checking. That really is emergency money, not everyday expense money. Will wait to read your reformatted portfolio.. ETA - Excellent portfolio. Maybe in taxable I'd use a Money Market fund rather than Total Bond, but that is ju...
by Christine_NM
Wed Aug 06, 2014 3:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: 22 year old College Senior--Tips for my portfolio
Replies: 9
Views: 1000

Re: Clean investing in a single stock

a - The cleanest way to buy stock is to buy it from a direct purchase plan via the company's transfer agent. You buy it once and you hold the shares in your name. It's outside all your other accounts. That's how the megacaps do it. Tesla FAQ says, you need a brokerage account to buy Tesla on NASDAQ....
by Christine_NM
Sun Aug 03, 2014 1:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Clean investing in a single stock
Replies: 28
Views: 2755

Re: Is Medigap insurance really needed?

linux - In OP's case, wife hates doctors. Given that, she is not likely to incur extra costs by having Medigap. The more likely scenario is that she waits too long to see a doctor, incurs higher costs because she waited, and so should have Medigap. Maybe some people are healthcare shoppers, but I do...
by Christine_NM
Sat Aug 02, 2014 3:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Medigap insurance really needed?
Replies: 83
Views: 4155

Re: How Much Did You Lose Today?

I lost the MSRP price of my hoped-for Subaru Forester.
by Christine_NM
Fri Aug 01, 2014 12:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 14172

Re: Help me save my parents from Merrill Lynch

Anna - Don't let it go but proceed slowly. It may take several years for them to come around, but with occasional discussions and if reason fails, emotional blackmail (daughters can learn to be good at that), you will probably succeed. If you are investing as you want them to, it will help a lot. So...
by Christine_NM
Thu Jul 31, 2014 2:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me save my parents from Merrill Lynch
Replies: 54
Views: 6054

Re: Help with a new $5m portfolio for an old lady

I like either of those recommendations, fwiw. Yes, some Vanguard people read this forum. But the choices were pretty obvious given the funds on offer. It's good that you are not pushing for 10% stock. That is not enough to offset rising rates, normal inflation, rising COL. 20% is better. 25% is even...
by Christine_NM
Wed Jul 30, 2014 5:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with a new $5m portfolio for an old lady
Replies: 59
Views: 4477

Re: Vanguard Options for RMD

LifeStrategy Moderate Growth would match the STAR fund and maybe be a little more tax efficient than the actively managed funds in STAR.

Or, just open a taxable STAR fund account if taxes are not an issue.
by Christine_NM
Wed Jul 30, 2014 3:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Options for RMD
Replies: 4
Views: 654

Re: Help with a new $5m portfolio for an old lady

I agree w/ lots of CD's and either LifeStrategy Income or Wellesley Income and maybe a muni fund to cushion the tax blow. I don't have a good feel for what she likes (other than dividends), so won't attempt an allocation. But for steadiness and low maintenance those are the Vanguard funds that you w...
by Christine_NM
Tue Jul 29, 2014 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with a new $5m portfolio for an old lady
Replies: 59
Views: 4477

Re: POLL: Wills vs. Living Trusts

I was executor of my Mother's living revocable trust. For the most part it went OK but some things took too long, like locating the lawyer who had the original will and trust documents and dealing with T. Rowe Price. Both of those I had to delegate to a lawyer. Emotions were close to the surface and...
by Christine_NM
Tue Jul 29, 2014 12:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Wills vs. Living Trusts
Replies: 35
Views: 3110

Re: Do Bogleheads Feel Wealthier?

Feel wealthier; spend more than when I was working. I feel wealthier not because of net worth, although that is going up (and down) with markets, but because I do not actively save any more. I reinvest most dividends but don't need to save from income. So I feel free to spend the little pot of money...
by Christine_NM
Mon Jul 28, 2014 12:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads Feel Wealthier?
Replies: 57
Views: 4659

Re: Vanguard sued for charging too little

So maybe this Contingency Reserve is Vanguard's version of a dark pool?

What next, will Wall Street firms have to pay taxes too?
by Christine_NM
Sat Jul 26, 2014 11:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 187
Views: 21129

Re: Make Income the Outcome

Can anyone tell if Merton is advocating the same "stocks 'n' TIPS" 3-fund at DFA for the Australia problem -- if in fact there is a problem in Australia? Can't remember the name of the product being sold, but the backbone of it was a global stock fund, a short TIPS fund, and an intermediat...
by Christine_NM
Sat Jul 26, 2014 6:06 pm
 
Forum: Investing - Theory, News & General
Topic: Make Income the Outcome
Replies: 49
Views: 3922

Re: Is stated SEC yield before expense ratio?

Thanks Bogleheads.

You are faster than a phone call to Vanguard :happy
by Christine_NM
Sat Jul 26, 2014 1:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is stated SEC yield before expense ratio?
Replies: 8
Views: 555

Is stated SEC yield before expense ratio?

I'm looking at Limited Term Tax Exempt Admiral (VMLUX). Expense ratio: 0.12% SEC yield: 0.88% For a second I couldn't tell one from the other, both being so small. Which raises the question, does the 0.12% ER come out of the yield, so that the actual amount I will receive is something like 0.88% les...
by Christine_NM
Sat Jul 26, 2014 1:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is stated SEC yield before expense ratio?
Replies: 8
Views: 555

Re: Advice needed for $825,000 nest egg

A small point.. The plan outlined in the OP waits for both a market correction to invest cash AND a rebound of the 2 "loser" stocks. Those two events are not likely to both occur in the same time frame of a year or so. The losers will still lag in a down market. If the market goes up enoug...
by Christine_NM
Fri Jul 25, 2014 2:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice needed for $825,000 nest egg
Replies: 15
Views: 2322

Re: 2015 Subaru Forester, which trim/options?

I've been considering the eyesight feature for my next car, probably a 2016. I wonder if in practice it might be like anti-lock brakes when they were new, where you avoid the front collision but tend to get hit more often by a surprised rear-car driver, as you might in any sudden stop. Am waiting fo...
by Christine_NM
Thu Jul 24, 2014 6:42 pm
 
Forum: Personal Consumer Issues
Topic: 2015 Subaru Forester, which trim/options?
Replies: 16
Views: 1740

Re: Is a "split-personality" approach Boglehead-compatible?

So that is kind of why I have been thinking that it is easier for me if I can break things down, figure out how each different type of account (traditional, Roth, taxable, and tax-favored odds and ends) are likely to be used and an appropriate balanced set of investment for each *individual* type o...
by Christine_NM
Mon Jul 21, 2014 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is a "split-personality" approach Boglehead-compatible?
Replies: 20
Views: 1936

Re: Wellesley Income

I agree with Islander. I was going to write the same earlier, but I didn't think you'd like that answer! (I have both Wellesley and Equity Income. I used Short Term Investmt Grade instead of Intermed, but it depends what you want to do.)
by Christine_NM
Mon Jul 21, 2014 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wellesley Income
Replies: 3
Views: 1236

Re: Is a "split-personality" approach Boglehead-compatible?

Did you write no RMD if you keep working? I don't know for sure or maybe I mis-read but that does not sound right to me. I think RMD kicks in at 70.5 regardless. Kalo IRS says: http://www.irs.gov/Retirement-Plans/RMD-Comparison-Chart-%28IRAs-vs.-Defined-Contribution-Plans%29 So if still working you...
by Christine_NM
Mon Jul 21, 2014 3:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is a "split-personality" approach Boglehead-compatible?
Replies: 20
Views: 1936

Re: Is a "split-personality" approach Boglehead-compatible?

Do - Is the main question whether you should have a specific asset allocation in your mind, or in your portfolio? It's clear that you will have an AA in your portfolio, but it may not be a good one unless you have done some (a lot?) of thinking about it. Or, as I prefer, just split the difference an...
by Christine_NM
Mon Jul 21, 2014 2:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is a "split-personality" approach Boglehead-compatible?
Replies: 20
Views: 1936

Re: Helping My Grandmother

Person - I wasn't thinking of the car as a big expense, I was thinking of the money selling it would bring (and some savings in gas, registration, oil change). Even a few hundred dollars would help. Otherwise, someday it will break down and she will be stranded if she can't afford to maintain it. Ma...
by Christine_NM
Sun Jul 20, 2014 6:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping My Grandmother
Replies: 54
Views: 3299

Re: Helping My Grandmother

Have you considered Managed Payout fund? This would be an additional $1200 if $30,000 were invested. The fund minimum is $25,000. I think I'd start with the minimum and see how it goes. That would be $1000/year. I don't see how else you can get a consistent amount. The fund is doing the same thing s...
by Christine_NM
Sun Jul 20, 2014 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping My Grandmother
Replies: 54
Views: 3299
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