Search found 1729 matches

Return to advanced search

Re: Bogelheads has made me obsessive about our money

Hi OP - If this is a new habit of logging onto Vanguard each day, you can break it. Remove Vanguard from your toolbar or wherever you are used to accessing it. I think Internet behavior is mostly habit, not a real desire for specific information. I had a shortcut on my desktop to one game that I was...
by Christine_NM
Sun Feb 01, 2015 1:37 am
 
Forum: Personal Consumer Issues
Topic: Bogelheads has made me obsessive about our money
Replies: 7
Views: 704

Re: How to respond when someone asks how much money you make

Federal employees always pout when denied information by contractors they see as hirelings. It's a reflex. (I was employed by a prime government contractor and we concluded that the feds in our agency had all flunked the same personality test.) Both were rude to ask you. If they needed to know, they...
by Christine_NM
Fri Jan 30, 2015 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to respond when someone asks how much money you make?
Replies: 78
Views: 6089

Re: Wiki comments requested: The importance of asset allocat

I like the plain, no-quote version. We think AA is important, not because a Nobel laureate said so once, but by the evidence of our experience. And we vary as our experience varies. Most important, the no-quote version plants the seed of doubt about stock picking, technical analysis, and financial p...
by Christine_NM
Fri Jan 30, 2015 12:31 am
 
Forum: Investing - Theory, News & General
Topic: Wiki comments requested: The importance of asset allocation
Replies: 93
Views: 3133

Re: Assisted Living Facilities... Weird 'Atmosphere...'

I'd be worried about overmedication, or meds just to keep everyone quiet. Try to find out diplomatically if everyone is sedated. Of course, quiet is better than chaos so depending on the pts it may be necessary.
by Christine_NM
Thu Jan 29, 2015 1:41 am
 
Forum: Personal Consumer Issues
Topic: Assisted Living Facilities... Weird 'Atmosphere...'
Replies: 34
Views: 3700

Re: Took the GRE test [- Suggest a masters degree]

Have you checked into any limits on employer's willingness to pay for any master's. I got an MBA in Info Systems paid for by an employer, and that was the only degree on the table. Probably other departments would have paid for other degrees. But I just took what was offered. BTW working full time a...
by Christine_NM
Wed Jan 28, 2015 2:22 pm
 
Forum: Personal Consumer Issues
Topic: Took the GRE test [- Suggest a masters degree]
Replies: 39
Views: 2323

Re: Women's Face Moisturizer/Lotion

Drawpoker -

I had the same thoughts, but then it might be for his mother or sister or neighbor or secretary -- no way to tell.

But if he has to ask on the Internet, probably better to give a gift certificate if the recipient is able to shop.
by Christine_NM
Mon Jan 26, 2015 1:15 pm
 
Forum: Personal Consumer Issues
Topic: Women's Face Moisturizer/Lotion
Replies: 51
Views: 3471

Re: Recommend a clickless mouse

I have a regular Logitech and don't hear it over the fan.

But if you are handy, try this:

http://www.instructables.com/id/Ninja-M ... ent-Click/
by Christine_NM
Sat Jan 24, 2015 7:31 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a clickless mouse
Replies: 33
Views: 2357

Re: Some RMD Questions

Electron wrote:
bertilak wrote:Born 11/23/1945.

Since you are not 70 yet, it's likely that the Vanguard site will not let you set up the RMD at this time.

You should be able to set things up at age 69.5.



Aha! Thanks, electron, this was driving me nuts. Reminded me of work (debugging my user interfaces) 10 years ago.
by Christine_NM
Sat Jan 24, 2015 5:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Some RMD Questions
Replies: 28
Views: 1513

Re: Some RMD Questions

Hi Bertilak - Have you got to the part where it asks about how much tax to withhold? I seem to recall that specifying a fund was the next step, at the bottom of that tax screen. Sorry, I wish I could re-enroll and list the steps... I know it's there somewhere if you are logged in and actually enroll...
by Christine_NM
Sat Jan 24, 2015 3:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Some RMD Questions
Replies: 28
Views: 1513

Re: Some RMD Questions

Bertilak - I set up automated RMDs last year and was able to specify fed and state tax withholding rates and a fund for the after-tax balance. I didn't need to buy or sell or exchange or call anyone. Of course I cannot get to the enrollment part now, only edit my own setup, so I can't describe how i...
by Christine_NM
Sat Jan 24, 2015 3:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Some RMD Questions
Replies: 28
Views: 1513

Re: Surviving the Tax Bite of RMD Withdrawals in Retirement

You may be mildly interested to know that I choose to pay all taxes on income from all sources out of my RMD, and put the remainder in a tax-exempt bond fund from which I draw income each month. Don't forget that tax exempt bond earnings get added back into your MAGI when determining how much SS ge...
by Christine_NM
Sat Jan 24, 2015 12:14 pm
 
Forum: Investing - Theory, News & General
Topic: Surviving the Tax Bite of RMD Withdrawals in Retirement
Replies: 75
Views: 6165

Re: Surviving the Tax Bite of RMD Withdrawals in Retirement

Dave - Any chance on another source for that article? You can say no, but please at least answer the question. SA basically owns the article, but I think I can put it on my own website - try this link and let me know if it works: https://financialdave.files.wordpress.com/2015/01/retirement-and-taxe...
by Christine_NM
Sat Jan 24, 2015 1:20 am
 
Forum: Investing - Theory, News & General
Topic: Surviving the Tax Bite of RMD Withdrawals in Retirement
Replies: 75
Views: 6165

Re: Surviving the Tax Bite of RMD Withdrawals in Retirement

Dave - You might want to gin up a chart of AAPL and JNJ 1981-present. JNJ is good but not that great. Sorry, I know that distracts from your point, but since I really don't get your point I wander off into distractions. Any chance on another source for that article? You can say no, but please at le...
by Christine_NM
Fri Jan 23, 2015 10:05 pm
 
Forum: Investing - Theory, News & General
Topic: Surviving the Tax Bite of RMD Withdrawals in Retirement
Replies: 75
Views: 6165

Re: Surviving the Tax Bite of RMD Withdrawals in Retirement

Dave - You might want to gin up a chart of AAPL and JNJ 1981-present. JNJ is good but not that great. Sorry, I know that distracts from your point, but since I really don't get your point I wander off into distractions. Any chance on another source for that article? You can say no, but please at lea...
by Christine_NM
Fri Jan 23, 2015 9:21 pm
 
Forum: Investing - Theory, News & General
Topic: Surviving the Tax Bite of RMD Withdrawals in Retirement
Replies: 75
Views: 6165

Re: Surviving the Tax Bite of RMD Withdrawals in Retirement

Hi fd - Could only read the first page before the Register popup appeared and the second page faded out. Can you not make the article easily accessible? I am not going to screw up my browser just because Seeking Alpha is too aggressive about collecting email addresses. Please don't frighten old folk...
by Christine_NM
Fri Jan 23, 2015 7:57 pm
 
Forum: Investing - Theory, News & General
Topic: Surviving the Tax Bite of RMD Withdrawals in Retirement
Replies: 75
Views: 6165

Re: Women's Face Moisturizer/Lotion

Thanks for the replies so far. I know she stays away from parabens in soaps and lotions, but I looked at my Cetaphil facial moisturizer and it has parabens in it which I thought was odd since most dermatologists recommend it. You scared me Joe, so I looked at my Cetaphil labels. On mine, the cleans...
by Christine_NM
Fri Jan 23, 2015 4:30 pm
 
Forum: Personal Consumer Issues
Topic: Women's Face Moisturizer/Lotion
Replies: 51
Views: 3471

Re: Favorite Dishes?

I get the appeal of Dr P on oatmeal -- I use dried tart cherries and honey, same idea. Current favorite dinner - anything with in-season baby bok choy, onion, and garlic. Last night scrambled eggs, tonight an eggroll and fried rice. Lace with curry sauce and kefir. Romaine salad. I am not much for r...
by Christine_NM
Fri Jan 23, 2015 3:38 pm
 
Forum: Personal Consumer Issues
Topic: Favorite Dishes?
Replies: 24
Views: 1408

Re: Women's Face Moisturizer/Lotion

Be careful with this! Once upon a time my Mom bought a fancy moisturizer with a lot of exotic ingredients. She used it for a while and developed a facial rash. She did not immediately make the connection with the new lotion so it kept getting worse until she saw a dermatologist who she paid to tell ...
by Christine_NM
Fri Jan 23, 2015 1:50 pm
 
Forum: Personal Consumer Issues
Topic: Women's Face Moisturizer/Lotion
Replies: 51
Views: 3471

Re: Need Income-Wellesley & Wellington or just Wellesley

Instead of Wellington and Wellesley, part of my traditional IRA is 85% Wellesley and 15% Equity Income fund (VEIRX), which has the same top ten holdings as W and W. You would have to run the numbers, which I have not, but you might get a little more growth and the same income with one 40/60 balanced...
by Christine_NM
Thu Jan 22, 2015 9:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Income-Wellesley & Wellington or just Wellesley
Replies: 18
Views: 2875

Re: What will happen to international stocks if a Euro break

TomatoTomahto wrote:Just curious -- why is US-centric political discussion off limits, but international discussion okay?


If we start having foodfights over the euro then I'm sure international discussion will be curtailed to the civil and actionable.
by Christine_NM
Wed Jan 21, 2015 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: What will happen to international stocks if a Euro breakup?
Replies: 23
Views: 1588

Re: What will happen to international stocks if a Euro break

Don't know about intl stocks, but US Treasuries would do well.
by Christine_NM
Wed Jan 21, 2015 2:17 pm
 
Forum: Investing - Theory, News & General
Topic: What will happen to international stocks if a Euro breakup?
Replies: 23
Views: 1588

Re: How to select a dividend reinvestment fund at VG

Acct Profile -> Acct maint -> Holding level div cap gains elections -> Change elections When you see a dropdown box with REINVEST showing, click on the edge to get the full list. One election is to transfer to another Vanguard fund. Specify VTSAX for each fund you own. There is AFAIK no way to desig...
by Christine_NM
Wed Jan 21, 2015 11:54 am
 
Forum: Investing - Help with Personal Investments
Topic: How to select dividend/Capital-Gains reinvestment fund at VG
Replies: 6
Views: 785

Re: How to get things wrong - Swiss Franc (CHF)

Looking at Nestle ADRs on Yahoo! 5 day chart there may have been a small leak at 3 pm Wed Jan 14.

I was watching this stock hoping to buy it but it rushed up out of reach. Nothing compared to the next day's opening, but still it was weird. Glad I didn't buy it.
by Christine_NM
Mon Jan 19, 2015 5:07 pm
 
Forum: Investing - Theory, News & General
Topic: How to get things wrong - Swiss Franc (CHF)
Replies: 32
Views: 3546

Re: RMD withdrawals.

Dragonfly - I have a money market account in the IRA and make sure the RMD is there in cash in January based on the Dec 31 value. Then I take the RMD whenever I want without worrying about markets being up or down. I get some quarterly income. It doesn't sound bad, but 3 months can be a long dry spe...
by Christine_NM
Mon Jan 19, 2015 4:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD withdrawals.
Replies: 43
Views: 3309

Re: The DOW: An Index I Love to Hate

The Dow is emblematic of many data-driven aspects of modern life. You can incorporate a lot of errors, both in data and method, and still approximate the right answer. It's scary, but that's how science works too. I read years ago that the Dow stocks used to time splits so as to keep their prices in...
by Christine_NM
Mon Jan 19, 2015 4:01 pm
 
Forum: Investing - Theory, News & General
Topic: The DOW: An Index I Love to Hate
Replies: 27
Views: 1943

Re: The Three Fund Portfolio

Corrections on Balanced Index: Since as you state above it has Admiral shares, by definition it does not have "two funds". It is one balanced fund, like Wellington or Wellesley, not a fund of funds. I am wary of taking advice from people who misstate the basic characteristics of anything, ...
by Christine_NM
Mon Jan 19, 2015 2:07 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1012
Views: 446817

Re: How do I retire?

Jazz is right -- retirement is an art. You can't know now what shape it will take for you. You have to quit that job, set up the income stream, and actually be retired before you can discover what your thoughts will turn to. But it certainly appears that money will not be an issue. If you had moved ...
by Christine_NM
Sun Jan 18, 2015 3:17 am
 
Forum: Personal Finance (Not Investing)
Topic: How do I retire?
Replies: 53
Views: 4735

Re: Survey - Men Who Exercise At a Gym

Do you mean, do we let dirty gym clothes accumulate in the laundry, or do you mean, do we actually use gym clothes more than once before washing? :confused

Whatever you mean, I wash em right away and I am not answering the poll because I'm sorta female.
by Christine_NM
Sat Jan 17, 2015 5:36 pm
 
Forum: Personal Consumer Issues
Topic: Survey - Men Who Exercise At a Gym
Replies: 23
Views: 2633

Re: Getting deposed -- do I need to hire my own lawyer?

rob wrote:I would get a suit as there seems to be peace of mond issues and for not a fortune you could get some real advice......


+1
by Christine_NM
Sat Jan 17, 2015 4:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting deposed -- do I need to hire my own lawyer?
Replies: 47
Views: 4540

Re: Getting deposed -- do I need to hire my own lawyer?

The whole truth includes the fears you have about being sued by your employer as a result of testimony. But that is up to the attorneys to ferret out when you are deposed. So really, does anyone tell the whole truth. I would not spill my guts right off.

OK, I read too many crime novels. Good luck.
by Christine_NM
Sat Jan 17, 2015 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting deposed -- do I need to hire my own lawyer?
Replies: 47
Views: 4540

Re: Should I now take advantage of the low euro?

After Jan 22 ECB QE news, whatever that may turn out to be, the euro will be cheaper, higher, or the same. Don't get suckered in by headlines. I don't know what you should do, but whatever it is, it should not be based on short term news.
by Christine_NM
Sat Jan 17, 2015 3:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I now take advantage of the low euro?
Replies: 8
Views: 1008

Re: Should I Declare Victory and Pack It In?

You are quite the impressive saver/investor! As were my parents and their parents before them. Frugal New England stock. But my point was, once you are retired it doesn't matter how you got your money. It doesn't go further just because you once commanded a high salary. Perhaps the opposite. Your l...
by Christine_NM
Fri Jan 16, 2015 12:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Declare Victory and Pack It In?
Replies: 173
Views: 16682

Re: Should I Declare Victory and Pack It In?

So the question is, would you be happier retired with $100k/y or working at $200k/y. My impression is that you should keep working with the idea of using it as an exercise in learning to budget for a $100k income and save the rest. Warning: I have more than you and I never made more than $75k/y. ETA...
by Christine_NM
Fri Jan 16, 2015 12:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Declare Victory and Pack It In?
Replies: 173
Views: 16682

Re: Is 2015 the year for me to open a Roth IRA?

I voted for the second option. Ideally you would open the Roth now and make some 2014 contributions until April, then 2015 contributions for the rest of the year. But that loan is in the way. Just put as much as you can in the Roth and you might surprise yourself how much that is.
by Christine_NM
Thu Jan 15, 2015 8:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is 2015 the year for me to open a Roth IRA?
Replies: 11
Views: 679

Re: Wellington Fund as primary retirement investment

Note that the ER for Wellington Adm is .18%, twice that of Balanced Index Adm (.09%). More fundamentally, I cannot imagine a 63 yo really wanting a 65% stock portfolio. Is she just not wanting to be difficult and going along with what you say? Nor does it appear that she needs to take much risk if t...
by Christine_NM
Thu Jan 15, 2015 5:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wellington Fund as primary retirement investment
Replies: 29
Views: 4732

Re: Finally joined the two comma club

I went back and read your starting posts. That is so impressive. The Power of Having a Plan...

Don't go away. You are not done until you light a fire under a dozen or so clueless newbie investors :beer
by Christine_NM
Thu Jan 15, 2015 1:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Finally joined the two comma club
Replies: 42
Views: 6183

Re: Been out of market for 5 years, when get back in?

We need to know more to say for sure if you should invest. Do you have a stable job? If so, how long do you expect to have it, till SS full retirement age? 70? Can you save out of income? If so, start one of the LifeStrategy funds with the minimum required. Add to it regularly. After you feel more c...
by Christine_NM
Wed Jan 14, 2015 9:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Been out of market for 5 years, when get back in?
Replies: 25
Views: 3063

Re: When your spouse isn't quite as frugal as you

I worry more about the nutrition of convenience foods than their cost. Is he hungry because of work or because of an all-carb diet? Either one will make you eat more, and both together would make for incessant snacking. A very large plate of scrambled eggs and toast will do much more for your budget...
by Christine_NM
Wed Jan 14, 2015 1:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: When your spouse isn't quite as frugal as you
Replies: 94
Views: 8706

Re: Why not just let cash be cash?

Funny you should ask. A wad of cash in a brokerage account is a terrible temptation to me. Now that I have my RMD in cash but won't take it till later in the year, I am plagued with ideas for investing it. If the wad was not there I would not think about investing in a new etf or even an individual ...
by Christine_NM
Mon Jan 12, 2015 10:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why not just let cash be cash?
Replies: 27
Views: 2517

Re: In charge of $500k for my mom. Asking for help.

I'll add another recommendation for Wellesley and/or Wellington as a "core" fund. For example, put the IRA in Wellington and don't look at it till Mom needs to start RMDs. Or $200k in Wellesley and $100k in Wellington... or, $150k each. You get the idea. Set this aside for conservative gro...
by Christine_NM
Sat Jan 10, 2015 3:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: In charge of $500k for my mom. Asking for help.
Replies: 19
Views: 2106

Re: Why is it wrong to think individual bonds are safer vs f

I agree with you too. On the magical date of bond maturity, market price will be irrelevant and you will receive your principal investment. Of course, the risk of default is greater with an individual non-treasury bond. There is a chance that you will get only part of the principal back, or even non...
by Christine_NM
Fri Jan 09, 2015 7:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why is it wrong to think individual bonds are safer vs funds
Replies: 30
Views: 1986

Re: Please Help Pick a VOYA 401k fund

The TR or LS funds would be OK. But I would still pick the lowest ER, S&P500 at .60. Especially if this is not long term employment, the target funds will not change their objectives much over 5-10 years assuming you are not near retirement. Combination of lowest possible ER and all equity perfo...
by Christine_NM
Fri Jan 09, 2015 7:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please Help Pick a VOYA 401k fund
Replies: 33
Views: 2487

Re: Older Brother is a New MD

Lars appears to have nailed it.

Now that he's an MD, your brother will have to learn not to sweat the small stuff.
by Christine_NM
Fri Jan 09, 2015 6:01 pm
 
Forum: Investing - Theory, News & General
Topic: Older Brother is a New MD
Replies: 24
Views: 3229

Re: Just left meeting with my advisor....

Good grief. This is not rocket science. You can even make a few mistakes, small ones, and come out OK. The fewer the better, of course. If I can do it, you can. Call Vanguard and ask for help making a plan and transferring assets. If you like, post the plan here before you buy into it, and get sugge...
by Christine_NM
Thu Jan 08, 2015 9:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just left meeting with my advisor....
Replies: 57
Views: 7776

Re: [Annual POLL] What was your 2014 return?

Vanguard says 7.5%. Began 2014 at 45% stock, ended at 49% stock.

Thanks for allowing corrections. At first I voted one notch lower return because of my spreadsheet including big hunka cash in savings account. The cash is to live on, not to invest, so I'm going with Vanguard's result.
by Christine_NM
Wed Jan 07, 2015 5:01 pm
 
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 14200

Re: Vanguard sets record funds inflow, has $3.1 trillion ass

Can someone help me wrap my brain around what 3 trillion looks like :happy Another good site is https://econ4u.com/one_trillion_dollars/ I like the one at the bottom: You have to spend $10 million a day for 273 years in order to spend $1 trillion. (Vanguard would still have $2 trillion left.) ETA: ...
by Christine_NM
Mon Jan 05, 2015 7:46 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard sets record funds inflow, has $3.1 trillion assets
Replies: 39
Views: 2847

Re: Turning 66 this year. Retirement looming and concerned

Sounds like offloading the rental prop would reduce retirement expenses by more than keeping it would increase income. Get out the For Sale sign.

If you really want to retire soon you will have to spend less than $150k. But if you are willing to keep working, why not do so?
by Christine_NM
Mon Jan 05, 2015 6:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Turning 66 this year. Retirement looming and concerned
Replies: 15
Views: 1540

Re: Is "stay the course" a commandment or a suggestion?

englishgirl wrote:the brothers??? :shock:


OP, you have more to worry about than staying the course... :D

So stay the course and attend to that which may need some fixing.
by Christine_NM
Mon Jan 05, 2015 3:11 pm
 
Forum: Investing - Theory, News & General
Topic: Is "stay the course" a commandment or a suggestion?
Replies: 60
Views: 4087

Re: Help my friend's dad retire in 18 years

I'd not figure on any 0% cap gains rate that far into the future. What about taxes now? The big immediate benefit of a 401k is reduction of taxable income today. If you have figured out that he is better off paying more income now in hopes of 0% later, then this is a plausible starting point. It's k...
by Christine_NM
Fri Jan 02, 2015 3:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help my friend's dad retire in 18 years
Replies: 15
Views: 1202

Re: Help my friend's dad retire in 18 years

Poor 401k choices are not an excuse to avoid tax deferral. He has to choose the least bad option in the plan or lobby for better options or pay taxes on 18 years of stock appreciation in order to pay the bills in retirement. So the plan is not complete yet -- how will he turn taxable stock appreciat...
by Christine_NM
Fri Jan 02, 2015 3:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help my friend's dad retire in 18 years
Replies: 15
Views: 1202
Next

Return to advanced search