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Re: How long will I l live? (mortality predictor)

Site is not working for me w/ firefox. I fill in data, press go button and nothing happens. I go to calendar and it says to enter data and press go! :?: :wink:
by Christine_NM
Sat Feb 28, 2015 3:15 pm
 
Forum: Personal Consumer Issues
Topic: How long will I l live? (mortality predictor)
Replies: 11
Views: 1128

Re: Car Accident in Front Yard

^^ Finch said it. Tell them what happened and then let the nephews use their imagination about DUI and what would have happened if the tree got in the way.

Go over the yard yourself before you mow. Wear safety glasses when you do mow.

I sound like an ol' fuddy duddy today. :|
by Christine_NM
Fri Feb 27, 2015 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Car Accident in Front Yard
Replies: 30
Views: 2212

Re: Convincing older relative to open online savings account

Mr S -

Who would take care of this relative's online finances if you got hit by a truck?

ETA - didn't see that dolphin had already made this point. :oops: But I see no answer and it is very important.
by Christine_NM
Thu Feb 26, 2015 11:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Convincing older relative to open online savings account
Replies: 34
Views: 1444

Re: physicians [Frustrated, considering early retirement]

I get it. But you were aware of all of the things you listed when you signed up to become a MD. And like I said, things change, that is life, you took on that risk the day you began school. I am sorry that things have not turned out how you pictured them going in to medicine, but at this point, wha...
by Christine_NM
Wed Feb 25, 2015 9:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: physicians [Frustrated, considering early retirement]
Replies: 132
Views: 8286

Re: physicians

Forgive a short intrusion from a frequent patient - of the dozen or so doctors and surgeons I've seen in the past 3 years, only the 60 y.o. private practice surgeon seemed content, though by no means happy. The rest were in a hospital system and could not hide their dissatisfaction -- a visit to one...
by Christine_NM
Wed Feb 25, 2015 11:39 am
 
Forum: Personal Finance (Not Investing)
Topic: physicians [Frustrated, considering early retirement]
Replies: 132
Views: 8286

Re: Dollar Cost Averaging vrs lumpsum investment

It is probably more important that both agree on the method than which method is chosen. Meet in the middle at 4 months DCA, or half now and the rest over 6 months. Whatever the two can agree on. Since there already is considerable market exposure, DCA cash drag will not be as significant as a case ...
by Christine_NM
Wed Feb 25, 2015 3:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Dollar Cost Averaging vrs lumpsum investment
Replies: 11
Views: 740

Re: Firing FA, switch to Vanguard. Help before pulling trigg

Looks OK, however with columbia large cap at .45 you may be overpaying for large caps that overlap Total Market even tho it is your lowest cost offering. I would consider BGRIX or Columbia Mid or Small Cap since you will have plenty of Total Market + Institutional Index elsewhere. .45 is a too much ...
by Christine_NM
Tue Feb 24, 2015 8:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Firing FA, switch to Vanguard. Help before pulling trigger.
Replies: 11
Views: 1062

Re: How to compute my retirement amount, and am I saving eno

Right now my understanding is that if you withdraw too early, you pay a 10% penalty or something like that. But at age 65 you can withdraw from it without penalty. If you are talking about a 401k then you can withdraw without penalty beginning at age 59 1/2. And some free advice: Save 10% come hell...
by Christine_NM
Tue Feb 24, 2015 5:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to compute my retirement amount, and am I saving enough?
Replies: 66
Views: 3083

Re: Help with Mom's 401K Allocation

Maybe more funds than necessary but not "way too many". I've heard of 401k investors tending to put a little in each fund available just because it was there. She seems to be roughly age-in-bonds, though that may be by accident not design. If it were me I'd use only the S&P fund, have ...
by Christine_NM
Tue Feb 24, 2015 4:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Mom's 401K Allocation
Replies: 7
Views: 420

Re: What kind of allocation for a 50-60 year old?

SmartGuy - I have a friend who is 54 and appeared to have no goals. Looking a little deeper, I found that she was effectively locked out of the banking system because of unpaid fees to Bank of America that showed up when we tried to open a credit union account for her. A small amount of debt owed to...
by Christine_NM
Tue Feb 24, 2015 2:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: What kind of allocation for a 50-60 year old?
Replies: 13
Views: 1262

Re: How much did you have saved up for retirement at age 30?

When I was 30 there were no retirement accounts. :shock: IRAs started in 1974. I started one in about 1977.
by Christine_NM
Tue Feb 24, 2015 3:46 am
 
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 168
Views: 10981

Re: Yes, another Pension / Lump Sum dilemma !

If I take the monthly pension, the 4 sources of guaranteed income would more than likely cover all expenses that we would have, even discretionary; leaving the ~$1.6M to grow untouched, unless some extreme unforeseen event would occur. We both have Medicare + Tricare for Life, so medical expenses a...
by Christine_NM
Mon Feb 23, 2015 1:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yes, another Pension / Lump Sum dilemma !
Replies: 15
Views: 1257

Re: What Book Are You Currently Reading? Part VI

Girl Next Door by Ruth Rendell.

New but classic Rendell, this time with a twist of working in the stages of aging. Subtle, deep but smooth writing about 70-somethings acting out and being undone by their pasts in suburban London.
by Christine_NM
Sun Feb 22, 2015 8:08 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 503
Views: 67630

Re: How much has Bogleheads contributed to your net worth?

The most obvious benefit has been TLH in 2008. I still have tax carryover losses from that. I probably would not have done that on my own. It is easier to stay the course when you know others are in the same boat with you. And you all finally got me to stick with 20% international rather than going ...
by Christine_NM
Sun Feb 22, 2015 12:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much has Bogleheads contributed to your net worth?
Replies: 58
Views: 4088

Re: Accurate home blood pressure monitor?

Another vote here for the Omron 652 (aka Series 7) wrist unit that mlebuf has. I find it accurate except when it needs new batteries. There is a low batt indicator. It is on sale now at amazon for 44.99. My BP has gone from too low to borderline high at the dr's office over the past few years, and t...
by Christine_NM
Sun Feb 22, 2015 11:35 am
 
Forum: Personal Consumer Issues
Topic: Accurate home blood pressure monitor?
Replies: 42
Views: 6311

Re: Need Income-Wellesley & Wellington or just Wellesley

VBIAX taxes will vary depending on interest rates. By that I mean, in 2014, VBIAX distributions were ~53% qualified dividends, meaning more than half the distributions came from stock dividends. In contrast, the first year of qualified dividends was 2003, and only 34% (iirc) of its distributions qua...
by Christine_NM
Sat Feb 21, 2015 9:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Income-Wellesley & Wellington or just Wellesley
Replies: 27
Views: 4679

Re: How much work can you expect your accountant to do?

I have a CPA do my taxes and she sends me a similar organizer. I have never done all the numeric entries and addition. I sign the agreement to have her do the work, answer lots of yes/no questions. When I get to pages that do not concern me I write "N/A" at the top. I specify what I want d...
by Christine_NM
Fri Feb 20, 2015 11:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much work can you expect your accountant to do?
Replies: 12
Views: 972

Re: Vanguard Index Fund Fees

UnadillaKayaker wrote:Thank you all for the replies. This is very educational.

If I understand the collective responses correctly, this boils down to the daily NAV being net of fees. I get the NAV the day I buy in and the NAV the day I decide to sell. No other fees are ever charged.


I think you've got it! :D
by Christine_NM
Fri Feb 20, 2015 1:11 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Index Fund Fees
Replies: 12
Views: 1099

Re: Vanguard Index Fund Fees

See the last paragraph of this article https://personal.vanguard.com/us/insigh ... rks-022014
by Christine_NM
Fri Feb 20, 2015 12:46 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Index Fund Fees
Replies: 12
Views: 1099

Re: Investment Advice for Parents and Dependent

I recommend getting a Vanguard CFP's advice at some level, perhaps even on a permanent basis, in addition to advice from this forum. Vanguard is expanding into the handholding space so it is no longer only for DIY'ers. This would take some burden from you as newbie to all this. When 3 generations ar...
by Christine_NM
Thu Feb 19, 2015 9:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Advice for Parents and Dependent
Replies: 8
Views: 451

Re: To all: How have you used your emergency fund?

Have used and replaced EF several times for house expenses -- two reroofings, 2 HVAC, several washer/dryers, untold refrigerators, couple of dishwashers, one garage door nervous breakdown, not to mention paying painting contractors and carpenters and plumbers. It was easy to replace a small EF while...
by Christine_NM
Thu Feb 19, 2015 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: To all: How have you used your emergency fund?
Replies: 40
Views: 2850

Re: VWENX huge hit today! [Vanguard Wellington Admiral]

Thank you beachboy. I had the wrong numbers in my spreadsheet for Well&Well and now have fixed them. You know, no good deed goes unpunished, even here at BH :D
by Christine_NM
Thu Feb 19, 2015 1:03 pm
 
Forum: Investing - Theory, News & General
Topic: VWENX huge hit today! [Vanguard Wellington Admiral]
Replies: 40
Views: 3716

Re: Spring Break Ideas for Apr 4-11 for girls 4,6 yrs

Everglades National Park? Good time of year, everywhere else will be cold.

Key West? Never been there, but you are so close and maybe have not been there yet.
by Christine_NM
Wed Feb 18, 2015 3:10 am
 
Forum: Personal Consumer Issues
Topic: Spring Break Ideas for Apr 4-11 for girls 4,6 yrs
Replies: 45
Views: 2375

Re: A Special Message From Social Security--NOT!

nisiprius - Here's my unauthorized but credible guess - ssa and govdelivery want to know how many people are responding to the email vs just signing in for the heck of it. To reach a bit here, maybe govdelivery gets paid extra for number of eyeballs/2. If this stuff bothers you, unsubscribe is your ...
by Christine_NM
Tue Feb 17, 2015 8:25 pm
 
Forum: Personal Consumer Issues
Topic: A Special Message From Social Security
Replies: 68
Views: 6170

Re: A Special Message From Social Security--NOT!

I've been poking around and I think the ssonline logo is legit. It belongs to a gov contractor whose url is content.govdelivery.com. This outfit seems to be contracted to send messages, tweets, bulletins for a lot of fed agencies and local governments. I had an old junk email with this logo and kept...
by Christine_NM
Tue Feb 17, 2015 7:41 pm
 
Forum: Personal Consumer Issues
Topic: A Special Message From Social Security
Replies: 68
Views: 6170

Re: Am I saving properly for retirement?

OP - The surest way to determine load would be to call whoever is in charge of your plan -- we had a large HR dept with two people who knew everything about our 401k and would even log on to my account if I asked and track down anything suspicious. But you may have a small employer or no one really ...
by Christine_NM
Tue Feb 17, 2015 5:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I saving properly for retirement?
Replies: 54
Views: 3373

Re: Am I saving properly for retirement?

OP - If you are paying a 5% (or any) load for the Lifepath 2050, then I take back what I said about your funds being fine. :shock: But as I understand it often 401k plans get load funds "free". See what class of shares you own and try to figure out if you are paying a load. If you can get ...
by Christine_NM
Tue Feb 17, 2015 4:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I saving properly for retirement?
Replies: 54
Views: 3373

Re: Am I saving properly for retirement?

Hi OP - OK on the student debt -- I didn't know the rates or past payments involved, so I stopped short of suggesting paying it down quickly. The emergency fund could use some beefing up, to however long you think it might take to get a new job (either of you). Of course you can't know that for sure...
by Christine_NM
Tue Feb 17, 2015 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I saving properly for retirement?
Replies: 54
Views: 3373

Re: Am I saving properly for retirement?

OP - The reason we can't say you are doing super-great is that you are doing everything but all of it at a minimal level. Minimal 401k contribution, Roth contribution scraped together during the year instead of having cash for lump sum in January, no emphasis on paying down student debt that I notic...
by Christine_NM
Tue Feb 17, 2015 12:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I saving properly for retirement?
Replies: 54
Views: 3373

Re: Read WSJ every day ?

What a blast from the past. I read the WSJ in the 70's and 80's. I paid a broker full commission to buy stocks. That was awful. But the broker did get me started with an IRA, which I had never heard of. In the 90's I got more interested in personal finance and read Barron's every week. There I found...
by Christine_NM
Mon Feb 16, 2015 12:55 pm
 
Forum: Personal Consumer Issues
Topic: Read WSJ every day ?
Replies: 86
Views: 4965

Re: How to interact with medical establishment

Hayden - I am sorry to say that yes, your expectations are probably out of date. Before you actually get to a doctor you have to figure out how to deal with several people who know even less than you about your condition. These people are hired at low wages as the gatekeepers in an attempt not to wa...
by Christine_NM
Sat Feb 14, 2015 5:15 pm
 
Forum: Personal Consumer Issues
Topic: How to interact with medical establishment
Replies: 48
Views: 2711

Re: Tolerance for "rebalancing risk" in retirement

$10,000 in Vanguard Total Stock Market Index Fund lost $5,206 between 1/1/2008 and 3/6/2009. In Balanced Index, $3,390. If it had dropped 60% as far as Total Stock, it would have dropped only $3,124. Some (if not all) of this difference might be the effect of the slightly higher ER of Balanced Inde...
by Christine_NM
Fri Feb 13, 2015 5:11 pm
 
Forum: Investing - Theory, News & General
Topic: Tolerance for "rebalancing risk" in retirement
Replies: 29
Views: 1571

Re: Should I continue using a financial planner ?

...Your FP let you get away with demanding this or that, and it didn't work, did it? ... Uh, actually it has worked fantastic, thus my statement "I know that we are not very far into 2015, but the S&P index fund is kicking my FP in the rear end." I have made more money YTD in the S&am...
by Christine_NM
Thu Feb 12, 2015 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I continue using a financial planner ?
Replies: 33
Views: 1675

Re: Should I continue using a financial planner ?

Hi Steve - From the way this thread is developing, it's clear that you are not ready to leave your FP yet (to answer the original question). However, you are paying a lot for poor returns ("results") and that is not necessary. In any endeavor, results are the end of a process. You have to ...
by Christine_NM
Thu Feb 12, 2015 4:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I continue using a financial planner ?
Replies: 33
Views: 1675

Re: Forgot to take RMD.. now what?

There is an appeal and a tax form for that. She can try to get the penalty waived. The sooner she acts the better.

Google "appeal for rmd" -- lots of info out there.
by Christine_NM
Wed Feb 11, 2015 3:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Forgot to take RMD.. now what?
Replies: 27
Views: 2763

Re: Vanguard's Recommended Portfolio

Total Stock Market Index -- 50% Total International Stock Index -- 20% Intermediate-Term Bond Index -- 30% +1 This was my thought too. Either 30% Total Bond or 30% Intermediate Bond Index, which has both corporate and treasury bonds. The Vanguard approach seems to be picking apart the bond market a...
by Christine_NM
Wed Feb 11, 2015 1:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard's Recommended Portfolio
Replies: 36
Views: 5992

Re: Too much money in bank money market account?

They already have plenty invested at 50/50. $100k more or less will not make much difference in investment returns. I have $150k in a credit union mm and another $100k in a plain savings account. Any excess gets sent to Vanguard taxable account. Retirement is really a different mindset. I rarely had...
by Christine_NM
Wed Feb 11, 2015 2:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Too much money in bank money market account?
Replies: 33
Views: 2597

Re: Food of the Fifties

CABob wrote:Is there another way of making a grilled cheese sandwich?


Not that I know of. But my Dad called it a "Cheese Dream" and acted as if he held a patent on the process. :D
by Christine_NM
Tue Feb 10, 2015 5:16 pm
 
Forum: Personal Consumer Issues
Topic: Food of the Fifties
Replies: 216
Views: 11178

Re: Food of the Fifties

Calf liver sauteed very rare with onion rings. Mashed potatoes. Iceberg lettuce and tomato dinner salad. Jello chocolate pudding mix (not instant) cooked on stove top with whole milk. Grilled cheese sandwiches (bread buttered on the outside) and tomato soup (still in style as comfort food, maybe?) T...
by Christine_NM
Tue Feb 10, 2015 2:20 pm
 
Forum: Personal Consumer Issues
Topic: Food of the Fifties
Replies: 216
Views: 11178

Re: Delaying investment

Wiki to the rescue! Quote from DCA vs Lump Sum: "Some investors have the goal, not of maximizing their expected returns, but of minimizing their potential regret. For those investors, dollar cost averaging is superior because it reduces the chances of investing just prior to a market drop. If y...
by Christine_NM
Tue Feb 10, 2015 2:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Delaying investment
Replies: 10
Views: 435

Re: Employer Plan has only two index funds...go brokerage?

I would put it all in VIIIX for many years.

How would you invest using a brokerage account? IOW, the two index funds or a target fund compared to what?

If you are inclined to play with etfs or individual stocks, open a taxable brokerage account where you can tax loss harvest.

IOW = In other words
by Christine_NM
Mon Feb 09, 2015 11:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Employer Plan has only two index funds...go brokerage?
Replies: 20
Views: 1044

Re: Found $100 Bill at Walmart

AviN wrote:Which, of course, is evidence against the efficient markets hypothesis.


Maybe not. I dropped a $100 bill at Trader Joe's last week.
by Christine_NM
Fri Feb 06, 2015 7:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Found $100 Bill at Walmart
Replies: 161
Views: 11779

Re: Unhappy With Job Raise

vm27 wrote:
livesoft wrote:Note to any women reading this thread: Did you learn something about how men react to raises? Notice that there is absolutely no self-doubt in the words of the OP.


Hi! I'm a girl! :D


My best laugh of the day, thanks to you and livesoft.

:thumbsup :moneybag You go, grrl :mrgreen:
by Christine_NM
Fri Feb 06, 2015 7:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Unhappy With Job Raise
Replies: 78
Views: 7596

Re: Approaching 50...What to expect?

xxxxx
by Christine_NM
Thu Feb 05, 2015 3:44 pm
 
Forum: Personal Consumer Issues
Topic: Approaching 50...What to expect?
Replies: 106
Views: 9518

Re: Approaching 50...What to expect?

People, it is Forks Over Knives (not Knives Over Forks). Getting older, I find I have to check every reference like that, or I will make embarrassing mistakes.

Michael (eat food, mostly plants, not too much) Pollan is the Jack (stay the course) Bogle of nutrition.
by Christine_NM
Wed Feb 04, 2015 10:09 pm
 
Forum: Personal Consumer Issues
Topic: Approaching 50...What to expect?
Replies: 106
Views: 9518

Re: Found old stock certificate

You might want to ask Tyco's transfer agent, who is http://investors.tyco.com/phoenix.zhtml?c=112348&p=irol-contact The worst they can say is "Triton who?" No one else but Tyco would be obligated to keep track of this, and it may be too small an amount, that is, more expensive to carry...
by Christine_NM
Wed Feb 04, 2015 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Found old stock certificate
Replies: 10
Views: 1501

Re: Vanguard Wellesley Fund

In theory, you can't go wrong with Wellesley. But it may not be the best fit for you. If you want to keep all stocks in TSM, look at Intermediate Bond Index (VBIIX) or Intermediate Investment Grade (VFICX). If you want just an alternative to Total Bond, either of those would work well. With 85% TSM,...
by Christine_NM
Wed Feb 04, 2015 2:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Fund
Replies: 19
Views: 4110

Re: Do retired Bogleheads have rising net assets?

I'd say you two are the most successful of all the posters in this thread. All the others withdrawing 1-2% must have really loved their work to spend an extra 5 years doing it. To be eligible for pensions we have to work for a certain length of time and to a certain age. You don't retire 5 years ea...
by Christine_NM
Tue Feb 03, 2015 6:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do retired Bogleheads have rising net assets?
Replies: 42
Views: 4442

Re: Do retired Bogleheads have rising net assets?

Retired 10 years ago last month. With RMD my SWR is about 1.3%. Assets are still growing almost as they did before retirement. I kept stock allocation low (35-40%) during the first 10 years based on the sequence of returns issue. It appears that now I can afford to raise the stock allocation a bit, ...
by Christine_NM
Mon Feb 02, 2015 7:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do retired Bogleheads have rising net assets?
Replies: 42
Views: 4442
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