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Re: Mold, mold, mold!!! In Massachusetts..

Google "Massachusetts Sanitary Code". Chapter II. Sounds like a lot of trouble to fix if you have an unwilling landlord. Bleach alone won't do it. I'd insist on termination of the lease and repayment of deposit in exchange for not reporting substandard rental to whatever state agency is in...
by Christine_NM
Tue Oct 28, 2014 6:43 pm
 
Forum: Personal Consumer Issues
Topic: Mold, mold, mold!!! In Massachusetts..
Replies: 15
Views: 1735

Re: POLL: Gross Annual Retirement Income Before Taxes

OP asked for the total of several sources of income. He didn't ask for a list of expenses, like how much do you spend on housing, food, travel, etc. I answered accordingly but it bears no relationship to what I spend. OP might want to know the ballpark retirement income to see if he is on the playin...
by Christine_NM
Tue Oct 28, 2014 5:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Gross Annual Retirement Income Before Taxes
Replies: 25
Views: 1909

Re: Career Advice for an Unhappy Young Doctor?

It could be that she just vents to you feelings that she can't express elsewhere. Doctors do love to complain. They go on about difficult residencies for decades after completion. It seems to be an experience that leaves a mild PTSD effect. Anyway, does she need more advice or is taking others' advi...
by Christine_NM
Mon Oct 27, 2014 11:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Career Advice for an Unhappy Young Doctor?
Replies: 76
Views: 6866

Re: Vanguard, TIPs, Accrued Interest & RMDs

plannerman wrote:
chaz wrote:Vanguard computes my RMD amount for me.


They computed my wife's for her and it was incorrect--that's what started this discussion.

plannerman


OK, I'll bite. Are you saying that Mrs. Plannerman's RMD was understated by the amount of accrued interest on TIPs held in her IRA?
by Christine_NM
Sun Oct 26, 2014 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard, TIPs, Accrued Interest & RMDs
Replies: 22
Views: 1641

Re: Best health insurance plan for a bad year (cancer)?

Another question, what are the possibilities of changing plans in the future? You don't want to get stuck with a suboptimal plan (not sure which that would be) just because of one year. And would you be dealing with the same hospitals and doctors regardless of the plan you choose? There will be a lo...
by Christine_NM
Sat Oct 25, 2014 3:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Best health insurance plan for a bad year (cancer)?
Replies: 30
Views: 2282

Re: $50,000 in Private Loans for Nursing Degree

You can judge how good this program is, aside from cost and buzz, by finding out if the average state boards scores of graduates is significantly above passing. The proof is in pudding, as they say. I went to a 3 yr nursing school at Yale-New Haven in the Dark Ages. My class's scores were clustered ...
by Christine_NM
Sat Oct 25, 2014 3:04 am
 
Forum: Personal Finance (Not Investing)
Topic: $50,000 in Private Loans for Nursing Degree
Replies: 34
Views: 3073

Re: investing during retirment

Todd - Have you considered the Vanguard Managed Payout fund? This will return a fixed amount at fixed intervals, monthly or whatever (I think, check to be sure). In down markets this will involve returning some principal to you, but you would do the same manually if you sold shares to meet expenses....
by Christine_NM
Thu Oct 23, 2014 1:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing during retirment
Replies: 20
Views: 2034

Re: Gross Yearly Income needed in Retirement (Speculation)

First year of retirement I spent $36000 gross. This year, the 9th, it will be about $54000 gross. The prices go up a little each year. And each year I feel freer to spend/give more, because I have not touched my own savings yet. I have $53000 in pension, SS, and annuity. So next year maybe I'll star...
by Christine_NM
Wed Oct 22, 2014 6:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 159
Views: 12454

Re: Is FSA retroactive for child birth?

jay -

Can you go above HR to the real "head of company"? Sounds like HR needs to be ordered from above to actually do a little work and make an exception. Good luck with your baby.
by Christine_NM
Tue Oct 21, 2014 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is FSA retroactive for child birth?
Replies: 8
Views: 724

Re: You may be getting charged rent for a router/modem you o

Comcast seems to have gotten even worse lately, if that's possible. A couple of years ago I got a letter saying I'd start being charged for my modem which, the letter implied, I had somehow stolen from Comcast and was using scot-free. I was hesitant to call the 800 number knowing that a charge for s...
by Christine_NM
Mon Oct 20, 2014 1:45 pm
 
Forum: Personal Consumer Issues
Topic: You may be getting charged rent for a router/modem you own
Replies: 34
Views: 3566

Re: Health care tilt

Agree with your analysis with some caveats. Distribution of new products where they are needed seems to be even more intractable than R&D. Either it's like Africa, with resistant governments and communities, or it's need for profit like US drug prices, or.. I'm sure there are more problems, but ...
by Christine_NM
Sat Oct 18, 2014 4:36 pm
 
Forum: Investing - Theory, News & General
Topic: Health care tilt
Replies: 77
Views: 3799

Re: First investment strategy meeting with new FA, $6M trust

The only thing worse that can be said is: "...this adviser is a member of our church." If there is a single investment plan for the three trusts, why not "park" the money in the Vanguard Tax Managed Balanced Fund? You'll have about 50% blue chip USA stocks (these companies have ...
by Christine_NM
Fri Oct 17, 2014 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: First investment strategy meeting with new FA, $6M trusts
Replies: 80
Views: 4643

Re: Your personal risk level: Got your flu shot yet?

I got my first flu shot ever last week. Immune system doesn't work well when you get older, so I finally caved after getting my first cold in decades last spring. I used to work in a hospital so didn't catch anything in the real world. Just a warning, the arm where it was injected lost some muscle ...
by Christine_NM
Thu Oct 16, 2014 5:23 am
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 3005

Re: Your personal risk level: Got your flu shot yet?

I got my first flu shot ever last week. Immune system doesn't work well when you get older, so I finally caved after getting my first cold in decades last spring. I used to work in a hospital so didn't catch anything in the real world. Just a warning, the arm where it was injected lost some muscle p...
by Christine_NM
Thu Oct 16, 2014 2:10 am
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 3005

Re: Need Suggestions for Vanguard Fund Investments

arca -

I think you are wise to just hold the cash till you have a steady income. You can't afford loss right now. Good luck with the job hunting.
by Christine_NM
Thu Oct 16, 2014 1:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Need Suggestions for Vanguard Fund Investments
Replies: 19
Views: 1639

Re: Tax Loss Harvesting - help

You can buy 1 day and sell the next.. as long as you don't buy it for 31 days after you sell it..Make sure you sell all of your shares that were made in the past 30 or 31 days.. Not true. The wash sale rule in a nutshell is purchase 30 days before or after day of sale disallows tax loss. See: http:...
by Christine_NM
Wed Oct 15, 2014 2:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting - help
Replies: 12
Views: 470

Re: Tax Loss Harvesting - help

You can buy 1 day and sell the next.. as long as you don't buy it for 31 days after you sell it..Make sure you sell all of your shares that were made in the past 30 or 31 days.. Not true. The wash sale rule in a nutshell is purchase 30 days before or after day of sale disallows tax loss. See: http:...
by Christine_NM
Wed Oct 15, 2014 2:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting - help
Replies: 12
Views: 470

Re: Hold My Hand - I Am Rebalancing

Can you keep track of your rebalancing, so that you know that you are buying a stock fund at a lower fund NAV than you sold the same fund a quarter ago? And if the prices aren't that different (bands not met) don't bother. That might help. You would at least be lowering your cost basis, if not neces...
by Christine_NM
Wed Oct 15, 2014 12:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hold My Hand - I Am Rebalancing
Replies: 20
Views: 1259

Re: Calculating RMDs

Vanguard computes the RMD for me. +1 Any other IRA custodian should provide the same service. This is not supposed to be a DIY calculation. Sure it is. And by calculating it myself, I caught an error one financial institution made. They overspecified, but they could have underspecified and landed m...
by Christine_NM
Sun Oct 12, 2014 1:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calculating RMDs
Replies: 14
Views: 1611

Re: Calculating RMDs

chaz wrote:Vanguard computes the RMD for me.


+1

Any other IRA custodian should provide the same service. This is not supposed to be a DIY calculation.
by Christine_NM
Sat Oct 11, 2014 5:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calculating RMDs
Replies: 14
Views: 1611

Re: Retirees only, what was you average investment return?

"Past performance does not forecast future performance" is a mantra, but people turn this on and off when it suits them. For example, you make projections about inflation over the long-term *based on past performance of inflation*. When people recommend low-cost index funds, they generall...
by Christine_NM
Wed Oct 08, 2014 11:16 pm
 
Forum: Investing - Theory, News & General
Topic: Retirees only, what was you average investment return?
Replies: 49
Views: 3372

Re: Retirees only, what was you average investment return?

Didn't keep track. Started with $6000 in about 1978 and now am in 2 comma club. The only number I know is that after I paid off the mortgage I saved 50% of after-tax salary.
by Christine_NM
Wed Oct 08, 2014 11:48 am
 
Forum: Investing - Theory, News & General
Topic: Retirees only, what was you average investment return?
Replies: 49
Views: 3372

Re: Is it normal to lose $$$?

Balanced funds or target funds are good for masking volatility. I am not a good sport about losing money, but it doesn't bother me as much with these hybrid funds. Maybe because there is nothing you can do if it is all in one fund. Yes, I am down $40k from September, but all I can do is sit and wait...
by Christine_NM
Mon Oct 06, 2014 4:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Is it normal to lose $$$?
Replies: 26
Views: 4003

Re: Nursing School: Student loans or retirement

What kind of salary would you get as a graduate nurse, then as an RN assuming you pass state boards? That would be the crucial question, when you are working as a nurse how much loan can you repay and still not neglect retirement saving?
by Christine_NM
Sun Oct 05, 2014 8:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nursing School: Student loans or retirement
Replies: 28
Views: 2483

Re: manipulating Amazon reviews

For my money this is the funniest Amazon review ever: http://www.amazon.com/review/R3T8F9G7QZYAM4/ref=cm_cr_dp_cmt?ie=UTF8&ASIN=B00012182G&channel=detail-glance&nodeID=16310101&store=grocery If you are not familiar with Tuscan Whole Milk et al., you may have to catch up a little. The...
by Christine_NM
Sat Oct 04, 2014 2:19 pm
 
Forum: Personal Consumer Issues
Topic: manipulating Amazon reviews
Replies: 33
Views: 2930

Re: Moved account to Vanguard: new questions

Holding an expensive fund is not free. You either pay tax to get rid of it, or pay to keep it. These costs may be equivalent. Pull the bandaid and don't look back.
by Christine_NM
Fri Oct 03, 2014 3:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moved account to Vanguard: new questions
Replies: 17
Views: 1095

Re: A "somewhat involved" RMD question

Shawcroft -

I believe you can postpone the whole issue till 2015, which is not that far away. But sorry, my eyes glazed over the "involved" parts so do not rely on me.
by Christine_NM
Thu Oct 02, 2014 4:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: A "somewhat involved" RMD question
Replies: 10
Views: 804

Re: A "somewhat involved" RMD question

When exactly do/did you turn 70 1/2?

Your post says you just turned 70..

Even if you are 70 1/2 now, you can of course delay the first RMD till next April.
by Christine_NM
Thu Oct 02, 2014 3:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: A "somewhat involved" RMD question
Replies: 10
Views: 804

Re: Vanguard Flagship Contact Pages

jst wrote:You have to try to send a message using "Create" and then you'll start getting additional windows.


Oh. I'll take your word for it. :D
by Christine_NM
Wed Oct 01, 2014 8:36 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Flagship Contact Pages
Replies: 5
Views: 636

Re: Vanguard Flagship Contact Pages

I was curious, never use this feature but as a former GUI developer I logged in to try it. I'm not seeing four pages, just one popup. The button labels are readable although black letters on dark gray background is not ideal. Looks OK to me.
by Christine_NM
Wed Oct 01, 2014 7:32 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Flagship Contact Pages
Replies: 5
Views: 636

Re: fidelity v.s. vanguard

Your best bet with Fidelity is to limit yourself to the Spartan Index funds. Once you go beyond that group to the actively managed funds, investing becomes confusing, overlapping, and more expensive with no guarantee of a better return.
by Christine_NM
Wed Oct 01, 2014 1:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: fidelity v.s. vanguard
Replies: 18
Views: 1742

Re: Oatmeal suggestions

Steel cut oatmeal (I use McCann's) in a Zojirushi rice cooker with timer, so that it's ready when I am in the morning. It cooks for roughly 65 minutes. Use 1 part oatmeal to 2.5 parts water and adjust to personal preference. Use the porridge setting. Like this, using Trader Joe's steel cut brand. I...
by Christine_NM
Tue Sep 30, 2014 12:42 pm
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 128
Views: 6794

Re: 'Play Money' - why 5%?

The concept is, alas, lost to historians. Ancient Egyptians used the 5% rule when burying artifacts (as in "if it's lost and forgotten, never mind."). Romans used it when designing aqueducts (5% loss of water, no biggee). Military historians chalk it up to "allowable losses". Yo...
by Christine_NM
Sun Sep 28, 2014 6:59 pm
 
Forum: Investing - Theory, News & General
Topic: 'Play Money' - why 5%?
Replies: 42
Views: 1658

Re: What's in your tax advantage accounts?

Roth IRA - Vg Healthcare Trad IRA - Wellesley, Vg Equity Income, Short InvGr Bond, Intermed Individual Corp and Treasury bonds in VBS account The Roth is 12% of the total retirement accounts balance. Trad IRA bonds are 61% of same total. Trad IRA stocks are 27% of same total. Taxable account is 2 fu...
by Christine_NM
Fri Sep 26, 2014 5:51 pm
 
Forum: Investing - Theory, News & General
Topic: What's in your tax advantage accounts?
Replies: 56
Views: 4541

Re: Take Social Security at FRA, or Early, or Delayed?

"For those who reach retirement age financially set, either through hard work, disciplined savings, luck, or a combination of all three, consider taking the money as soon as you can get it. The financial calculators may tell you otherwise, but those calculators fail to calculate the risk that ...
by Christine_NM
Wed Sep 24, 2014 3:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Take Social Security at FRA, or Early, or Delayed?
Replies: 49
Views: 2793

Re: Defined Benefit Plan?

dhodson wrote:If this is either a 412i or 412e plan then avoid.


More on 412e as sales tools:

http://www.producersweb.com/r/WEBP/d/co ... 80d9e2fe5d
by Christine_NM
Wed Sep 24, 2014 2:28 pm
 
Forum: Investing - Theory, News & General
Topic: Defined Benefit Plan?
Replies: 8
Views: 811

Re: Is having 100% large cap not diverse enough?

What were you looking for when you met with the FP? Higher returns?

What did you find? Higher fees.

DIY.
by Christine_NM
Wed Sep 24, 2014 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is having 100% large cap not diverse enough?
Replies: 49
Views: 3106

Re: Stubbornly Non-Boglehead Husband. What To Do?

IMO this is not between you and him. It's between him and the world. Nothing you say will matter, he will have to snap out of this himself, and he may do that. I think this is very very wise. Thank you for putting it so eloquently! And yes, the half of our portfolio that he manages includes 1/2 of ...
by Christine_NM
Wed Sep 24, 2014 12:19 pm
 
Forum: Investing - Theory, News & General
Topic: Stubbornly Non-Boglehead Husband. What To Do?
Replies: 122
Views: 7875

Re: Stubbornly Non-Boglehead Husband. What To Do?

I don't know if the problem is ego or addiction. But clearly the Roth is not being used as a retirement vehicle. Can he somehow use taxable accounts instead? Then he'll get the fun of tax reporting. That may slow him down a little. You won't pay more tax -- the losses will balance the gains. Maybe i...
by Christine_NM
Wed Sep 24, 2014 11:56 am
 
Forum: Investing - Theory, News & General
Topic: Stubbornly Non-Boglehead Husband. What To Do?
Replies: 122
Views: 7875

Re: Why don't you do Financial Planning?

We may have good ideas about nearly everything but we are not selling index and low-cost funds, only recommending them. We want to keep our day jobs till retirement. One hot windy day a rather sweaty, windblown lady in an uncomfortable suit rang my doorbell wanting to sell some kind of investment pr...
by Christine_NM
Tue Sep 23, 2014 5:57 pm
 
Forum: Personal Consumer Issues
Topic: Why don't you do Financial Planning?
Replies: 41
Views: 3338

Re: New Investor begging for input

mistake, sorry, sheepish bow and off to drink some green tea. No mistake. I felt quite gallantly defended. :D Having dispatched the 401k issue with 500 Index in one sentence, in earlier posts I felt free to go on other issues. The 401k after all is a very small portion of OP's income and savings. A...
by Christine_NM
Mon Sep 22, 2014 1:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor begging for input
Replies: 34
Views: 1535

Re: How to clean an acrylic tub?

Shower Power is the very best for porcelain tubs. It removes soap scum and rust with no scrubbing. Just spray and wait 5 minutes, wipe clean. If tub/tile/door is really bad, repeat till done, maybe 4 times. But I never tried it on acrylic and I don't know the ingredients. Link: http://www.buyshowerp...
by Christine_NM
Sun Sep 21, 2014 7:37 pm
 
Forum: Personal Consumer Issues
Topic: How to clean an acrylic tub?
Replies: 18
Views: 1243

Re: how to prevent medical expense catastrophe?

As an OR nurse in olden times, I was outraged at the article for a different reason. Spinal surgery always required first an orthopod and then a neurosurgeon. Do you want an orthopedic surgeon fiddling with your spinal nerves, or a neurosurgeon trying to manipulate vertebrae? These two specialties ...
by Christine_NM
Sun Sep 21, 2014 1:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 7898

Re: New Investor begging for input

Thanks for all the input guys, keep it coming. I feel like my first day in the operating room, whatever I do will and sound like stupid. So, it comes... Should I utilize the fidelity 401K for max return(thus go for 100% Sp500) or go for 100% safety in 401K and go with bonds? I don't recall anyone s...
by Christine_NM
Sun Sep 21, 2014 1:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor begging for input
Replies: 34
Views: 1535

Re: how to prevent medical expense catastrophe?

As an OR nurse in olden times, I was outraged at the article for a different reason. Spinal surgery always required first an orthopod and then a neurosurgeon. Do you want an orthopedic surgeon fiddling with your spinal nerves, or a neurosurgeon trying to manipulate vertebrae? These two specialties ...
by Christine_NM
Sun Sep 21, 2014 1:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 7898

Re: New Investor begging for input

For fixed income, I'd work on maxing an FDIC bank account or two ($250,000 each). I wouldn't do that with Spartan Bond and a stable value available in the 401k in fact I'd make sure fixed was taken care of in deferred first and if needed broad stock index funds in taxable. I feel strongly that the ...
by Christine_NM
Sun Sep 21, 2014 12:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor begging for input
Replies: 34
Views: 1535

Re: how to prevent medical expense catastrophe?

As an OR nurse in olden times, I was outraged at the article for a different reason. Spinal surgery always required first an orthopod and then a neurosurgeon. Do you want an orthopedic surgeon fiddling with your spinal nerves, or a neurosurgeon trying to manipulate vertebrae? These two specialties n...
by Christine_NM
Sun Sep 21, 2014 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 7898

Re: New Investor begging for input

The first few years of 401k savings are the most important. You will get the most growth out of the money you are now contributing. Put all 401k contributions into an S&P500 index fund until your life has taken on more shape in the form of family, home, career aspirations/expenses and retirement...
by Christine_NM
Sun Sep 21, 2014 12:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor begging for input
Replies: 34
Views: 1535

Re: Do I need to send in estimated tax????

Cherijoh: Sure. I'll have to add the TIRA withdrawal to my taxable income. However, I'm a little surprised that the Bogelhead reaction is so muted. I mean, come on. On this board people talk about saving small fractions in expense ratios and keeping things simple. A TIRA withdrawal in December allo...
by Christine_NM
Sat Sep 20, 2014 12:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I need to send in estimated tax????
Replies: 32
Views: 2082

Re: RMD Bond Mutual Funds, and Bond duration more to lose sl

RMDs are roughly 4% of IRA balance so the loss, if measurable, would be very small. I keep a big chunk of my tIRA in Wellesley and get RMDs from cash (matured individual bonds) or a short term bond fund. Probably I am losing more in return by not keeping the full tIRA in Wellesley. If anyone has a w...
by Christine_NM
Mon Sep 15, 2014 11:53 am
 
Forum: Investing - Help with Personal Investments
Topic: RMD Bond Mutual Funds, and Bond duration more to lose sleep
Replies: 8
Views: 558
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