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Re: Newly Widowed, what to do with the life insurance money.

I have enrolled in a community college for the fall so that I will have some opportunity for a job once the kids are gone and the SS goes with them... This sounds like a very good idea, maybe the best thing you could do to help your children with their college decisions and expenses. I used a commu...
by Christine_NM
Thu Apr 17, 2014 2:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Newly Widowed, what to do with the life insurance money....
Replies: 28
Views: 3205

Re: Woodpeckers...I'm desperate!

We have flickers, not woodpeckers. They do the same thing. I had one flicker who returned to the same spot at the peak of my roof every spring for several years. Every time he landed when I was home I'd go out and threaten him with a broom and yell at him till he flew off. He was stubborn but gradua...
by Christine_NM
Sun Apr 13, 2014 2:39 am
 
Forum: Personal Consumer Issues
Topic: Woodpeckers...I'm desperate!
Replies: 52
Views: 3399

Re: Brown bagging in a more formal office

Whatever you use, make sure it's BPA free.

For years I carried my lunch in nifty colorful hard-plastic containers that turned out to be essence of BPA. Yuck.
by Christine_NM
Wed Apr 09, 2014 3:17 pm
 
Forum: Personal Consumer Issues
Topic: Brown bagging in a more formal office
Replies: 43
Views: 2993

Re: How did you determine your "number" for retirement

Way back in 1995 before I had heard of Trinity Study I multiplied my gross salary by 20, figuring I could use a 5% withdrawal rate. That made my number $800,000, plus pension and SS. My method was faulty, but the number stayed and I retired as soon as I was eligible for pension AND had the $800,000....
by Christine_NM
Thu Apr 03, 2014 3:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you determine your "number" for retirement
Replies: 51
Views: 3293

Re: What Book Are You Currently Reading? Part V

(Years ago I read an early Stuart Woods. Didn't like the awkward writing style.) I just bought Flash Boys by Michael Lewis for $0.00. Ironically, last week Amazon gave me a $12.66 credit from legal settlements with publishers over the pricing of ebooks. The actual price is $9 something today. I got ...
by Christine_NM
Tue Apr 01, 2014 1:02 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2626
Views: 598291

Re: How important are Int'l Bonds?

As long as the Target Date funds are available in the plan, a bit of International Bond is available. That's enough for an employee plan.

If anyone wants to overweight Int Bonds, let him do it in his own IRA account.
by Christine_NM
Sat Mar 22, 2014 3:05 pm
 
Forum: Investing - Theory, News & General
Topic: How important are Int'l Bonds?
Replies: 44
Views: 3788

Re: Is it ethical to put this on your resume?

Listing the math courses sounds OK to me. During an interview once my soon-to-be new manager seemed impressed that I'd had a law course -- clearly the list of courses with grades was more interesting to read than just degree in X with no detail. Have you contacted your school to see if a department ...
by Christine_NM
Thu Mar 20, 2014 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it ethical to put this on your resume?
Replies: 27
Views: 2857

Re: Healthcare Fund VGHAX or Energy Fund VGELX

Hi Christine, My risk tolerance is obviously very high, my investment time frame is 20+ years and the TOP 10 stock holdings for each fund look pretty solid. What am I missing. Please be brutally honest with me. Thanks, To be brutally honest, you cannot buy past performance. Maybe you have missed yo...
by Christine_NM
Tue Mar 18, 2014 6:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Healthcare Fund-VGHAX or Energy Fund-VGELX
Replies: 22
Views: 1389

Re: Healthcare Fund VGHAX or Energy Fund VGELX

You have to learn to choose a portfolio based on something other than past performance. For example consider your own need to take risk. (Clearly the willingness to take risk is there, at least for the moment.) I hope you can fall out of love with these funds. I have Healthcare (10% of stock allocat...
by Christine_NM
Tue Mar 18, 2014 6:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Healthcare Fund-VGHAX or Energy Fund-VGELX
Replies: 22
Views: 1389

Re: Money issues - people take me for granted

SadInv - Oh. Almost like winning Powerball. You are in a position none of us have experienced. If it makes you feel better, in your situation we'd probably all be writing the same post asking for the same kind of advice. I guess you will just need a stiffer spine than most. Yes, you'll probably be m...
by Christine_NM
Sun Mar 09, 2014 8:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Money issues - people take me for granted
Replies: 74
Views: 4916

Re: Happy fifth birthday! [since the 2008-2009 market crash]

I guess you've covered the past 5 years. It's nice, but sorry, not a big deal in the long run. I can only look at 12/2010 to 3/2014 without dragging out old backups. What struck me was not the percentage, but the amount. In less than 4 years my portfolio has increased just about $500,000 on the nose...
by Christine_NM
Sun Mar 09, 2014 7:40 pm
 
Forum: Investing - Theory, News & General
Topic: Happy fifth birthday! [since the 2008-2009 market crash]
Replies: 54
Views: 3345

Re: California getaway

I do short California vacations sometimes. My favorites have been (pick one only):

San Diego Zoo and Safari Park plus museums in Balboa Park

Santa Barbara - botanical garden takes a day; and good-quality downtown sidewalk hanging out
by Christine_NM
Wed Mar 05, 2014 9:05 pm
 
Forum: Personal Consumer Issues
Topic: California getaway
Replies: 42
Views: 1401

Re: Wellesley's income

@OP - And another thing, the SEC yield rarely if ever corresponds to any amount actually distributed. The SEC yield of 2.56% is based on the fund's income for the past month. Distributions from Wellesley are made quarterly. Cats and dogs, apples and kumquats. You'd have to fit the right SEC yield fo...
by Christine_NM
Mon Feb 24, 2014 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: Wellesley's income
Replies: 21
Views: 3049

Re: Skip IRA for 1 year to buy engagement ring

The trouble with skipping a year to buy something unrelated to retirement is that you'll set up a pattern for both of you. You have to be able to save for retirement and live life at the same time. When my folks got engaged in 1940 Dad offered Mom the choice of a ring or a down payment on a house. O...
by Christine_NM
Tue Feb 18, 2014 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Skip IRA for 1 year to buy engagement ring
Replies: 152
Views: 7243

Re: Retired couple in need of investing and re-balancing adv

Dale - I have been wandering thru the Bogleheads wiki for an RMD calculator and do not see the full info at one place. I did find the RMD Uniform table that you should use at bankrate - here: http://www.bankrate.com/finance/money-guides/ira-minimum-distributions-table.aspx Your wife is close enough ...
by Christine_NM
Sun Feb 09, 2014 7:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retired couple in need of investing and re-balancing advice
Replies: 12
Views: 1990

Re: Retired couple in need of investing and re-balancing adv

Christine Thank you for your reply which i take to heart The debt will be retired once the annuity starts. Both of our CD IRAs, totaling $265K, mature in August which can be transferred into our Vanguard accounts. I've decided to set up a Target 2010 IRA account for my part of this money & my w...
by Christine_NM
Fri Feb 07, 2014 6:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retired couple in need of investing and re-balancing advice
Replies: 12
Views: 1990

Re: Nice blurb about Taylor

FWIW, blurb has no negative connotation in its normal usage. What was written is more like a blurb than an article.

Taylor, hope you are enjoying your (gulp) 90th year. I'm way back behind you at 70.
by Christine_NM
Fri Feb 07, 2014 4:03 pm
 
Forum: Investing - Theory, News & General
Topic: Nice blurb about the Bogleheads and Taylor
Replies: 7
Views: 1063

Re: Retired couple in need of investing and re-balancing adv

Hawk - My first thought is that, since you are concerned about possible medical expenses, use part of the new cash to get rid of the loan. Even though it is at zero percent, repayment an ongoing expense for more than a year that you don't need. With the new cash you afford to be rid of it. With the ...
by Christine_NM
Fri Feb 07, 2014 3:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retired couple in need of investing and re-balancing advice
Replies: 12
Views: 1990

Re: WSJ - How much stock should you own in Retirement

That's interesting. I am increasing stock allocation as retirement progresses. Got enough in cash for many years, and am willing to take more risk with money that I probably will never use. I read the same thing years ago -- nothing new under the sun -- that as you get older your portfolio should re...
by Christine_NM
Tue Feb 04, 2014 4:39 pm
 
Forum: Investing - Theory, News & General
Topic: WSJ - How much stock should you own in Retirement
Replies: 7
Views: 1933

Re: Joined the "Two Comma Club" Today

Welcome the the Club!

I was not in the 1 comma club at that age. The Dow was not in the 1 comma club either. I guess we grew up together.
by Christine_NM
Sat Feb 01, 2014 4:24 pm
 
Forum: Investing - Theory, News & General
Topic: Joined the "Two Comma Club" Today
Replies: 47
Views: 4456

Re: My annualized returns are better than yours. Why?

Mr Critical -

Don't feel bad. Many of us were stuck with shameless, rob-you-blind brokers before we found index funds and Vanguard managed funds.

Hey, my Roth is all in Vanguard Healthcare and it returned 48% last year. But overall, my return was 11%, right on target for my asset allocation.
by Christine_NM
Tue Jan 28, 2014 3:39 am
 
Forum: Investing - Help with Personal Investments
Topic: My annualized returns are WORSE than yours. Why?
Replies: 87
Views: 6356

Re: Do Retirees have Emergency Funds ?

I have 5 years worth of expenses in credit union accounts. So I would not run dry immediately if for some reason pension and SS stopped. I spend from these cu accounts and they are replenished by pension, SS, and small amount of dividends and annuity. I didn't plan it this way, but things have settl...
by Christine_NM
Mon Jan 27, 2014 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do Retirees have Emergency Funds ?
Replies: 36
Views: 1959

Re: POLL: Bogleheads' Gender/Education

EternalOptimist wrote:What is your gender and the highest level of education you have attained?


EO - Can you tell us what you think this means?

I suggest an option for # of children (0, 1, 2, 2+) for which male/female was the primary parent.
by Christine_NM
Wed Jan 22, 2014 4:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Bogleheads' Gender/Education
Replies: 12
Views: 1051

Re: Best Comfort and Best Workout Clothes

Socks - Thorlo
by Christine_NM
Sun Jan 19, 2014 6:51 pm
 
Forum: Personal Consumer Issues
Topic: Best Comfort and Best Workout Clothes
Replies: 28
Views: 2753

Re: Did you have a Lousy Job as a teen / young adult?

Christmas season, 1959, I worked at a Woolworth's five and ten. (It was torn down and replaced by a ridiculously upscale Natick Mall with nearly high end retailer you could imagine.) I didn't mind the work because I knew I'd never spend my life there, but I still remember the people who worked there...
by Christine_NM
Fri Jan 17, 2014 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you have a Lousy Job as a teen / young adult?
Replies: 127
Views: 4828

Re: Larry Kudlow bad advice on bonds

Noname, he is disparaging bonds and those who issue them. Of course I can and do own all I want.
by Christine_NM
Wed Jan 15, 2014 6:12 pm
 
Forum: Investing - Theory, News & General
Topic: Larry Kudlow bad advice on bonds
Replies: 52
Views: 4017

Re: Larry Kudlow bad advice on bonds

I don't believe everything I hear on CNBC. I'd bet Kudlow owns more Treasury/corp/muni bonds than all of us in this thread put together. Guests have to state their interest in specific stocks they pick or pan. Apparently talk show hosts don't have to state their interest in disparaging an entire ass...
by Christine_NM
Wed Jan 15, 2014 5:55 pm
 
Forum: Investing - Theory, News & General
Topic: Larry Kudlow bad advice on bonds
Replies: 52
Views: 4017

Re: What Book Are You Currently Reading? Part V

Goldfinch, by Donna Tartt. Starts out amazing, keeps getting more so. Wonderful writing. I think it would appeal as much to men as women -- that's rare, most books seems to target one or the other gender.
by Christine_NM
Sun Jan 12, 2014 2:40 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2626
Views: 598291

Re: Did you have a Mid Life Crisis?

I'm 70. I don't even remember whether I had a midlife crisis or not. Like a stock chart, the further away you get, the smaller each blip.

Have had crises, marital and professional, but by 40 things had smoothed out. So on the whole, I guess there was no midlife crisis.
by Christine_NM
Sun Jan 12, 2014 2:34 pm
 
Forum: Personal Consumer Issues
Topic: Did you have a Mid Life Crisis?
Replies: 65
Views: 4226

Re: What is your winter thermostat setting (while you are up

70 all the time. (Or, it looks like 70 - it's not a fancy thermostat with a digital reading.) I used to lower it at night, but that meant cold mornings and a long furnace run to get up to speed. In a mild climate it's not much more expensive to run the furnace at a constant temp. I imagine we only h...
by Christine_NM
Wed Jan 08, 2014 6:43 pm
 
Forum: Personal Consumer Issues
Topic: What is your winter thermostat setting (while you are up)?
Replies: 116
Views: 8042

Re: The Funniest Movie Ever

Some Like it Hot ties with Blazing Saddles for first-run viewing laughs.

Some Like it Hot has proved to have better staying power. It's still as funny as when it was released.
by Christine_NM
Thu Jan 02, 2014 10:41 pm
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 201
Views: 10551

Re: Why bother converting a traditional IRA into a Roth?

Henry - If you have to spend money on deductions, such as charitable donations, to keep your RMD's and other income below the taxable threshold, then you are giving up money anyway, whether to taxes or sources of deductions. Makes no difference in the strict financial sense. If you are easily below ...
by Christine_NM
Wed Jan 01, 2014 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why bother converting a traditional IRA into a Roth?
Replies: 23
Views: 1885

Re: What you wish you had known entering your late 20's

The world has changed so much in the 40+ years since my late 20's that there are few specific bits of knowledge that still are relevant. Just, have a marketable skill set and an emergency fund. That's all I knew, and that's all I needed. Investing was still in my future (mid 30's). Debt was not such...
by Christine_NM
Fri Dec 27, 2013 12:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: What you wish you had known entering your late 20's
Replies: 100
Views: 9266

Re: Gas mileage quiz

OK, replace the truck, but you're kidding yourself. The current average mpg is (10+20)/2 = 15. For the driver's future gas savings the important thing is the driver's total mpg, not each vehicle's. If driving equal distances, replacing the car will give you a new average of 30 mpg, taking the two ve...
by Christine_NM
Sun Dec 22, 2013 4:32 pm
 
Forum: Personal Consumer Issues
Topic: Gas mileage quiz
Replies: 57
Views: 2755

Re: Have you noticed Amazon often does not credit your refun

OK, I'm an Amazon shopoholic. Very few returns or problems have happened, and all have been addressed easily. Refunds are prompt. I also try to always deal with Amazon Payments, but returning to a third party is easy too if you go through the Amazon process of filling out a form that is used by Amaz...
by Christine_NM
Sun Dec 22, 2013 2:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Have you noticed Amazon often does not credit your refunds?
Replies: 26
Views: 2204

Re: How can I start to learn about low cost no load index fu

OP - The advisor says "research" to scare you. But all we say here is to have a low-cost save-and-invest plan with a decent asset allocation. It's not like researching active funds or individual stocks. Have you looked at Vanguard Target date funds? One step investing. Anyone with a pulse ...
by Christine_NM
Thu Dec 19, 2013 4:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: How can I start to learn about low cost no load index funds?
Replies: 13
Views: 949

Re: Bryn Mawr [College]

Tomato - The intangible benefits do have tangible costs however. I don't like it, but some people cannot afford the niceties of a private college education. Fortunately that doesn't seem to apply to OP's granddaughter. I wasn't suggesting that they don't have tangible costs, or that everyone can af...
by Christine_NM
Thu Dec 19, 2013 2:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bryn Mawr [College]
Replies: 68
Views: 3944

Re: Bryn Mawr [College]

Tomato -

The intangible benefits do have tangible costs however. I don't like it, but some people cannot afford the niceties of a private college education.

Fortunately that doesn't seem to apply to OP's granddaughter.
by Christine_NM
Thu Dec 19, 2013 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bryn Mawr [College]
Replies: 68
Views: 3944

Re: Bryn Mawr [College]

I can't speak to Bryn Mawr, but I am a Smith grad class of 1965. It was "only" an English degree. At that time all 4 years cost less than $11,000, including room and board. That should give young'uns a sense of the impact of inflation in the 70's and 80's, Fear of a repeat of such inflatio...
by Christine_NM
Thu Dec 19, 2013 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bryn Mawr [College]
Replies: 68
Views: 3944

Re: Removing wisdom tooth - what do I need to know?

Sunny - Did any of the dentists give you a reason for extraction? I would not do it if it's no longer standard practice and there's no problem. I read somewhere recently "there is no problem that surgery cannot make worse". Assuming you proceed, I would not use the nitrous. I've had every ...
by Christine_NM
Thu Dec 12, 2013 4:00 pm
 
Forum: Personal Consumer Issues
Topic: Removing wisdom tooth - what do I need to know?
Replies: 27
Views: 1200

Re: Living simply---can I retire next year?

My answers to your questions: 1. First and foremost, can I retire next year based on my retirement savings and yearly expenses? I don't think you are quite there if you need the full $27,000 with no pension and no SS till 66. One of our many rules of thumb is, you need 25x expenses to retire. That's...
by Christine_NM
Sun Dec 08, 2013 4:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Living simply---can I retire next year?
Replies: 7
Views: 1460

Re: vanguard balanced index fund

I've posted many times that this fund is my largest holding since Oct 2002. I happen to have it in a taxable account because my IRA is filled with even less tax-efficient stuff. Along with Total International, Balanced Index makes a complete portfolio that doesn't need your attention. All I do is oc...
by Christine_NM
Sat Dec 07, 2013 4:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: vanguard balanced index fund
Replies: 11
Views: 986

Re: Estimating Medicare and Medigap costs

$150/month sounds low for Medicare premium in 2020. I will be paying $158/month in 2014 based on the new values for means-tested premium. I don't know about Medigap plans. I have a Medicare Advantage plan where you get full coverage by buying Medicare A+B+D = Medicare C. (I think that's how it goes....
by Christine_NM
Sat Nov 30, 2013 7:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estimating Medicare and Medigap costs
Replies: 5
Views: 322

Re: Muni tax loss harvest - wash sale?

Your Vanguard 1099 will show the allowable capital loss on VCADX. The allowable loss will be reduced slightly by the dividend transactions.
by Christine_NM
Wed Nov 27, 2013 1:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Muni tax loss harvest - wash sale?
Replies: 7
Views: 393

Re: Should you reveal your salary to your coworkers?

OP video cheered me up a lot. Good LOL moments there. Thanks.
by Christine_NM
Tue Nov 26, 2013 3:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should you reveal your salary to your coworkers?
Replies: 107
Views: 7737

Re: New Jack Bogle Book

Taylor -

You can cancel your preorder if you want to, and order again with the discount.
by Christine_NM
Mon Nov 25, 2013 2:51 am
 
Forum: Investing - Theory, News & General
Topic: New Jack Bogle Book
Replies: 25
Views: 3701

Re: Grade 4. Writing Reading. Goal. "Exceed the Grade Level"

Thanks for the reply. I hope we have talked you out of the tutor idea. In addition to her probably not needing it, it may have the unintended consequence of making her feel unskilled in those areas. Not just in grade 4, but a nagging feeling of inadequacy for the rest of her life.
by Christine_NM
Tue Nov 19, 2013 5:31 pm
 
Forum: Personal Consumer Issues
Topic: Grade 4. Writing Reading. Goal. "Exceed the Grade Level".
Replies: 50
Views: 2822

Re: Grade 4. Writing Reading. Goal. "Exceed the Grade Level"

May I ask why you want your child to exceed her grade level in reading and writing? Does she exceed in everything else and so you perceive these as weak spots? Anyway, I don't think you can force a love of reading and writing to the point of true excellence. It's something a child discovers and deve...
by Christine_NM
Tue Nov 19, 2013 4:35 pm
 
Forum: Personal Consumer Issues
Topic: Grade 4. Writing Reading. Goal. "Exceed the Grade Level".
Replies: 50
Views: 2822
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