Search found 1595 matches

Return to advanced search

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: 7
Views: 256

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: 96
Views: 3039

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: 1595

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: 54
Views: 3931

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: 2689

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: 774

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: 2828

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: 7528

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: 7528

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: 3211

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: 1424

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: 1156

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: 7532

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: 1424

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: 7532

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: 1424

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: 7532

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: 1424

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: 2023

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: 542

Re: Recommended World War I book

Along with All Quiet and Guns of August, try E.E. Cummings' memoir The Enormous Room.
by Christine_NM
Sat Sep 13, 2014 12:39 am
 
Forum: Personal Consumer Issues
Topic: Recommended World War I book
Replies: 37
Views: 2047

Re: Gifting planning for upper 60s widowed.

There seems to be a point at which a seemingly more-than-needed portfolio starts to burn a hole in a widow's pocket. After Dad died, Mom started gifting to me back when $10k meant something. Her sisters had gifted to her after their mother died. I'm inclined to give more each year to charity, not ha...
by Christine_NM
Fri Sep 12, 2014 10:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gifting planning for upper 60s widowed.
Replies: 19
Views: 1421

Re: Would you quit over the pretend boss

You can try for another job but it might not be any better. I guess I'd quit if the two bosses don't accept your prioritization of projects and annually ding you for not being able to do everything immediately. This could be a failure to communicate, or it could be an ongoing strategy to get the mos...
by Christine_NM
Wed Sep 10, 2014 7:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you quit over the pretend boss
Replies: 33
Views: 2992

Re: What's the riskiest Bogleheadish asset?

baw703916 wrote:
EmergDoc wrote:Frontier microcap value?

Fund name, please?


That was its name. Fund is gone. That's as risky as it gets. Bit of EmergDoc humor there. :happy
by Christine_NM
Wed Sep 10, 2014 12:06 am
 
Forum: Investing - Theory, News & General
Topic: What's the riskiest Bogleheadish asset?
Replies: 81
Views: 7103

Re: Who has more organic food Costco or Sam's?

I get a box of organic fruits and vegetables every Monday from a local farm. They do home deliveries mostly, but I like the drive. You order online over the weekend and the box is ready Monday. I like an all-organic place for avoiding pesticides and GMOs. And it tastes better and keeps longer. And t...
by Christine_NM
Mon Sep 08, 2014 11:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Who has more organic food Costco or Sam's?
Replies: 26
Views: 1427

Re: Vanguard Lost $50k

I wonder if the best way to handle a situation like this is to let the pending transaction go through, pretending everything is OK. Then sell those shares if you want that second $50k back in the bank. By interrupting the second transaction the customer sets corrective, time-consuming, frustrating p...
by Christine_NM
Sat Sep 06, 2014 8:05 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10753

Re: Vanguard Healthcare Fund [Portfolio help]

You may not get much encouragement for a Roth of several specialty funds. The problem is, they tend to cancel each other out and with higher ERs the Roth will do no better in the long run than the 3 fund portfolio. I'd pick one asset class/specialty (SV, REIT or Healthcare) and add to it until it's ...
by Christine_NM
Fri Sep 05, 2014 6:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Healthcare Fund [Portfolio help]
Replies: 12
Views: 958

Re: POLL: What was the first stock you ever bought?

Public Service Co. of New Mexico, about 1978
by Christine_NM
Fri Sep 05, 2014 1:14 am
 
Forum: Investing - Theory, News & General
Topic: POLL: What was the first stock you ever bought?
Replies: 74
Views: 2860

Re: Road Trip, New England to Cailfornia

Consider a visit to Harpers Ferry WV.
by Christine_NM
Thu Sep 04, 2014 12:43 pm
 
Forum: Personal Consumer Issues
Topic: Road Trip, New England to Cailfornia
Replies: 11
Views: 1113

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: 13
Views: 1068

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: 2157

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: 17408

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: 17408

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: 17408

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: 17408

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: 1945

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: 101
Views: 7847

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: 1830

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: 10364

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: 1106

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: 6269

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: 2375

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: 1181

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: 3352

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: 2267

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: 2267

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: 2192

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: 1401

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: 1385
Next

Return to advanced search