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Re: How Much Did You Lose Today?

I lost the MSRP price of my hoped-for Subaru Forester.
by Christine_NM
Fri Aug 01, 2014 12:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 128
Views: 6981

Re: Help me save my parents from Merrill Lynch

Anna - Don't let it go but proceed slowly. It may take several years for them to come around, but with occasional discussions and if reason fails, emotional blackmail (daughters can learn to be good at that), you will probably succeed. If you are investing as you want them to, it will help a lot. So...
by Christine_NM
Thu Jul 31, 2014 2:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me save my parents from Merrill Lynch
Replies: 54
Views: 5598

Re: Help with a new $5m portfolio for an old lady

I like either of those recommendations, fwiw. Yes, some Vanguard people read this forum. But the choices were pretty obvious given the funds on offer. It's good that you are not pushing for 10% stock. That is not enough to offset rising rates, normal inflation, rising COL. 20% is better. 25% is even...
by Christine_NM
Wed Jul 30, 2014 5:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with a new $5m portfolio for an old lady
Replies: 59
Views: 4231

Re: Vanguard Options for RMD

LifeStrategy Moderate Growth would match the STAR fund and maybe be a little more tax efficient than the actively managed funds in STAR.

Or, just open a taxable STAR fund account if taxes are not an issue.
by Christine_NM
Wed Jul 30, 2014 3:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Options for RMD
Replies: 4
Views: 629

Re: Help with a new $5m portfolio for an old lady

I agree w/ lots of CD's and either LifeStrategy Income or Wellesley Income and maybe a muni fund to cushion the tax blow. I don't have a good feel for what she likes (other than dividends), so won't attempt an allocation. But for steadiness and low maintenance those are the Vanguard funds that you w...
by Christine_NM
Tue Jul 29, 2014 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with a new $5m portfolio for an old lady
Replies: 59
Views: 4231

Re: POLL: Wills vs. Living Trusts

I was executor of my Mother's living revocable trust. For the most part it went OK but some things took too long, like locating the lawyer who had the original will and trust documents and dealing with T. Rowe Price. Both of those I had to delegate to a lawyer. Emotions were close to the surface and...
by Christine_NM
Tue Jul 29, 2014 12:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Wills vs. Living Trusts
Replies: 35
Views: 2523

Re: Do Bogleheads Feel Wealthier?

Feel wealthier; spend more than when I was working. I feel wealthier not because of net worth, although that is going up (and down) with markets, but because I do not actively save any more. I reinvest most dividends but don't need to save from income. So I feel free to spend the little pot of money...
by Christine_NM
Mon Jul 28, 2014 12:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads Feel Wealthier?
Replies: 57
Views: 4480

Re: Vanguard sued for charging too little

So maybe this Contingency Reserve is Vanguard's version of a dark pool?

What next, will Wall Street firms have to pay taxes too?
by Christine_NM
Sat Jul 26, 2014 11:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 114
Views: 11810

Re: Make Income the Outcome

Can anyone tell if Merton is advocating the same "stocks 'n' TIPS" 3-fund at DFA for the Australia problem -- if in fact there is a problem in Australia? Can't remember the name of the product being sold, but the backbone of it was a global stock fund, a short TIPS fund, and an intermediat...
by Christine_NM
Sat Jul 26, 2014 6:06 pm
 
Forum: Investing - Theory, News & General
Topic: Make Income the Outcome
Replies: 49
Views: 3832

Re: Is stated SEC yield before expense ratio?

Thanks Bogleheads.

You are faster than a phone call to Vanguard :happy
by Christine_NM
Sat Jul 26, 2014 1:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is stated SEC yield before expense ratio?
Replies: 8
Views: 537

Is stated SEC yield before expense ratio?

I'm looking at Limited Term Tax Exempt Admiral (VMLUX). Expense ratio: 0.12% SEC yield: 0.88% For a second I couldn't tell one from the other, both being so small. Which raises the question, does the 0.12% ER come out of the yield, so that the actual amount I will receive is something like 0.88% les...
by Christine_NM
Sat Jul 26, 2014 1:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is stated SEC yield before expense ratio?
Replies: 8
Views: 537

Re: Advice needed for $825,000 nest egg

A small point.. The plan outlined in the OP waits for both a market correction to invest cash AND a rebound of the 2 "loser" stocks. Those two events are not likely to both occur in the same time frame of a year or so. The losers will still lag in a down market. If the market goes up enoug...
by Christine_NM
Fri Jul 25, 2014 2:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice needed for $825,000 nest egg
Replies: 15
Views: 2290

Re: 2015 Subaru Forester, which trim/options?

I've been considering the eyesight feature for my next car, probably a 2016. I wonder if in practice it might be like anti-lock brakes when they were new, where you avoid the front collision but tend to get hit more often by a surprised rear-car driver, as you might in any sudden stop. Am waiting fo...
by Christine_NM
Thu Jul 24, 2014 6:42 pm
 
Forum: Personal Consumer Issues
Topic: 2015 Subaru Forester, which trim/options?
Replies: 16
Views: 1652

Re: Is a "split-personality" approach Boglehead-compatible?

So that is kind of why I have been thinking that it is easier for me if I can break things down, figure out how each different type of account (traditional, Roth, taxable, and tax-favored odds and ends) are likely to be used and an appropriate balanced set of investment for each *individual* type o...
by Christine_NM
Mon Jul 21, 2014 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is a "split-personality" approach Boglehead-compatible?
Replies: 20
Views: 1848

Re: Wellesley Income

I agree with Islander. I was going to write the same earlier, but I didn't think you'd like that answer! (I have both Wellesley and Equity Income. I used Short Term Investmt Grade instead of Intermed, but it depends what you want to do.)
by Christine_NM
Mon Jul 21, 2014 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wellesley Income
Replies: 3
Views: 1204

Re: Is a "split-personality" approach Boglehead-compatible?

Did you write no RMD if you keep working? I don't know for sure or maybe I mis-read but that does not sound right to me. I think RMD kicks in at 70.5 regardless. Kalo IRS says: http://www.irs.gov/Retirement-Plans/RMD-Comparison-Chart-%28IRAs-vs.-Defined-Contribution-Plans%29 So if still working you...
by Christine_NM
Mon Jul 21, 2014 3:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is a "split-personality" approach Boglehead-compatible?
Replies: 20
Views: 1848

Re: Is a "split-personality" approach Boglehead-compatible?

Do - Is the main question whether you should have a specific asset allocation in your mind, or in your portfolio? It's clear that you will have an AA in your portfolio, but it may not be a good one unless you have done some (a lot?) of thinking about it. Or, as I prefer, just split the difference an...
by Christine_NM
Mon Jul 21, 2014 2:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is a "split-personality" approach Boglehead-compatible?
Replies: 20
Views: 1848

Re: Helping My Grandmother

Person - I wasn't thinking of the car as a big expense, I was thinking of the money selling it would bring (and some savings in gas, registration, oil change). Even a few hundred dollars would help. Otherwise, someday it will break down and she will be stranded if she can't afford to maintain it. Ma...
by Christine_NM
Sun Jul 20, 2014 6:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping My Grandmother
Replies: 54
Views: 3186

Re: Helping My Grandmother

Have you considered Managed Payout fund? This would be an additional $1200 if $30,000 were invested. The fund minimum is $25,000. I think I'd start with the minimum and see how it goes. That would be $1000/year. I don't see how else you can get a consistent amount. The fund is doing the same thing s...
by Christine_NM
Sun Jul 20, 2014 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping My Grandmother
Replies: 54
Views: 3186

Re: Paperwhite for Cloudy-Day Reading

This is my Paperwhite cover: http://www.amazon.com/Amazon-Kindle-Paperwhite-Leather-Saddle/dp/B007R5YDYA/ref=sr_1_17?ie=UTF8&qid=1405462998&sr=8-17&keywords=kindle+paperwhite It fits VERY tightly. Once you finally get it on you are hardly aware that it is a cover and not part of the Kind...
by Christine_NM
Tue Jul 15, 2014 6:32 pm
 
Forum: Personal Consumer Issues
Topic: Paperwhite for Cloudy-Day Reading
Replies: 21
Views: 1823

Re: A question for the Bogleladies or those who can consult

No, if you ask her, she will say she doesn't want a high end purse. Buy one anyway. Now take her shopping with you so she can choose, but don't let her pull that bogleheaded "it's too expensive." Oh, wrong thread, same principle. You and I are no marriage experts. :D But why buy lingerie ...
by Christine_NM
Tue Jul 15, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 70
Views: 5609

Re: A question for the Bogleladies or those who can consult

MoonOrb wrote:Have you asked her what she wants?

I'd start by asking her what she wants and likes.


+1

Always a good idea.
by Christine_NM
Tue Jul 15, 2014 12:36 pm
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 70
Views: 5609

Re: Help for parent nearing retirement (unsolicited)

A visit to a financial planner can force a person to get everything together in a presentable form. That might be useful. Can your Mom create spreadsheets to help her stay organized? I have one spreadsheet design that has kept me in one piece financially for at least 15 years. She would need to evol...
by Christine_NM
Mon Jul 14, 2014 6:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help for parent nearing retirement (unsolicited)
Replies: 17
Views: 1285

Re: Knowledge gaps + anxiety = shame; gender and investing

...I would like to get back to the "communication" aspects of giving advice and requesting advice. Or if you like, how to address anxiety and shame? Any takers? I'm willing to be a taker, but I have no idea what the author meant when she used those words in the article. I wondered if it w...
by Christine_NM
Mon Jul 14, 2014 2:24 pm
 
Forum: Investing - Theory, News & General
Topic: Knowledge gaps + anxiety = shame; gender and investing
Replies: 77
Views: 5483

Re: Knowledge gaps + anxiety = shame; gender and investing

VictoriaF wrote:A side comment: Based on the winner effect, Germany is likely to win World Cup, because they must be loaded with testosterone after their spectacular scoring with Brazil.

Victoria


Argentine strategy seems to be, if you can't beat 'em, send 'em to the hospital.
by Christine_NM
Sun Jul 13, 2014 3:58 pm
 
Forum: Investing - Theory, News & General
Topic: Knowledge gaps + anxiety = shame; gender and investing
Replies: 77
Views: 5483

Re: Knowledge gaps + anxiety = shame; gender and investing

VF -

Yes. To hold a position is just as risky as to dump it and take on another. We all buy our portfolios every day.

I've gotten a sample of Coates and will buy if it appeals. Thanks. Now just killing time till FIFA final game.
by Christine_NM
Sun Jul 13, 2014 2:21 pm
 
Forum: Investing - Theory, News & General
Topic: Knowledge gaps + anxiety = shame; gender and investing
Replies: 77
Views: 5483

Re: Knowledge gaps + anxiety = shame; gender and investing

Victoria - Per your last paragraph, I've read a couple of NYT articles in the past few years about Wall Street's hostile environment for women traders. There was a suggestion that this environment rather than an innate ability or lack thereof made many women either leave soon if on WS, or choose to ...
by Christine_NM
Sun Jul 13, 2014 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: Knowledge gaps + anxiety = shame; gender and investing
Replies: 77
Views: 5483

Re: Knowledge gaps + anxiety = shame; gender and investing

Victoria -

It was just a little joke. How do you think Wall Street should attract more women, as traders and as customers. Is that even a good idea for the women themselves?
by Christine_NM
Sun Jul 13, 2014 12:07 pm
 
Forum: Investing - Theory, News & General
Topic: Knowledge gaps + anxiety = shame; gender and investing
Replies: 77
Views: 5483

Re: Knowledge gaps + anxiety = shame; gender and investing

Back to the topic here. Marketing campaigns will not draw in large numbers of women. Maybe a few stray minnows but not a catch that will make the campaigns pay for themselves. AFAIK only Mr. Bogle has had the combination of message, wisdom, and humility needed to make women (and men) willing to list...
by Christine_NM
Sun Jul 13, 2014 11:48 am
 
Forum: Investing - Theory, News & General
Topic: Knowledge gaps + anxiety = shame; gender and investing
Replies: 77
Views: 5483

Re: What after-tax income could you live on today?

Tamales - Single homeowner (no mortgage) here. Thanks for doing this. I have not been keeping my budget spreadsheet up to date this year. I had the basics plugged in, but had not added in the extras yet. I have spent $8000 more than I thought I had, and it is only July. Whoa. Results seem to barbell...
by Christine_NM
Sat Jul 12, 2014 5:33 am
 
Forum: Personal Finance (Not Investing)
Topic: What after-tax income could you live on today?
Replies: 48
Views: 5047

Re: High end purses

OP -

Nordstrom's online is a great place for that price range. I had been dragging around a sturdy LL Bean shoulder bag for years. After recovery from chemo I treated myself to a black leather jacket and black quilted Chanel-style cross-body bag, each for about $250 on sale.
by Christine_NM
Fri Jul 11, 2014 10:22 pm
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 11137

Re: Karen, single, 61, $2 million.

It was in the 6/28 episode that you can listen to here : http://www.edelmanfinancial.com/radio . This episode has a longer than usual opening monolog so you'll have to scroll to a little past the half time. As far as I can tell, he didn't mention a word about Roth or annuity. I have been a listener...
by Christine_NM
Fri Jul 11, 2014 4:06 pm
 
Forum: Investing - Theory, News & General
Topic: Karen, single, 61, $2 million.
Replies: 35
Views: 3715

Re: Karen, single, 61, $2 million.

If unwilling to summarize Ric's answer, can OP provide link to broadcast or at least the date of the program? When you said you were surprised, I figured there must have been something about NOT delaying SS to age 70, or NOT doing Roth conversions. Don't want to do guessing games but this is similar...
by Christine_NM
Fri Jul 11, 2014 1:23 pm
 
Forum: Investing - Theory, News & General
Topic: Karen, single, 61, $2 million.
Replies: 35
Views: 3715

Re: Kiplinger: Why You Should Avoid Most Bond Index Funds

Jagman wrote:Comments?


Balderdash.

But it is interesting that he recommends Vanguard's classiest bond fund (my rating), VFICX. I guess he had to imply it was an index fund or there would be no point in singling it out.
by Christine_NM
Thu Jul 10, 2014 11:28 pm
 
Forum: Investing - Theory, News & General
Topic: Kiplinger: Why You Should Avoid Most Bond Index Funds
Replies: 32
Views: 6560

Re: Do you deviate from the owner's manual?

2002 Corolla I change oil when it starts to discolor or once a year, usually the latter. I'm lucky if I drive 1000 miles a year so the guidelines are difficult to follow. My Dad said change it at least once a year, so OK Dad, that is what I do. I use Chevron 87 gas -- the cheap stuff. That's the min...
by Christine_NM
Thu Jul 10, 2014 11:19 pm
 
Forum: Personal Consumer Issues
Topic: Do you deviate from the owner's manual?
Replies: 35
Views: 3171

Re: Best ways to help a friend get started?

Thanks for all your thoughts. The current $140 a week for 2 brief visits is already triple her normal hourly pay. I pay extra for extra tasks and errands. That is what her worth is to me. BTW she is not now my home health aide. She knows what my house needs when, and I leave it to her to get it all ...
by Christine_NM
Thu Jul 10, 2014 12:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Best ways to help a friend get started?
Replies: 27
Views: 1819

Re: Best ways to help a friend get started?

I have had one best friend for 50 years. I will leave him something but not concern myself with his offspring or theirs. I think you are getting in way too deep. I also do not know your circumstances, but I am assuming you know that you have enough no matter what so will never need to "reclaim...
by Christine_NM
Wed Jul 09, 2014 8:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best ways to help a friend get started?
Replies: 27
Views: 1819

Re: Best ways to help a friend get started?

In my opinion, it sounds like she crossed ethical boundries with you by confiding in you about her personal life. Her past might be a fabrication. After two years I consider this a friendship, not a client relationship. I do not think she told me about her personal life in the first few months when...
by Christine_NM
Wed Jul 09, 2014 4:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best ways to help a friend get started?
Replies: 27
Views: 1819

Re: Best ways to help a friend get started?

I see just a lot of problems with this sort of thing. It appears that you are trying to "fix" her life. I would recommend that if you want to give her something to do it only in connection with your estate, perhaps establish a trust that provides regular income to her but then the trust g...
by Christine_NM
Wed Jul 09, 2014 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best ways to help a friend get started?
Replies: 27
Views: 1819

Re: Best ways to help a friend get started?

We are doing something like this, but sort of racheting it up as time - and care - go on. This is a very trusted younger friend, someone we helped dramatically (no cost to us, but a LOT of time and effort) to get started professionally. She/they have long acknowledged that we "changed their li...
by Christine_NM
Wed Jul 09, 2014 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best ways to help a friend get started?
Replies: 27
Views: 1819

Re: Best ways to help a friend get started?

LAR wrote:Have you done a thorough background check?


No. I met her two years ago and she has been a lifeline to me. I will take her at face value. Whatever is in her past, is past. Any money I give to her will not be something that hurts me.
by Christine_NM
Wed Jul 09, 2014 3:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best ways to help a friend get started?
Replies: 27
Views: 1819

Re: Best ways to help a friend get started?

I'd set aside in my own name in a separate account with a specific designation in my estate plan indicating the beneficiary at time of my death. One could either decide to tell the beneficiary as time neared or in the form of a separate letter at time of settling your estate. Fifteen years could be...
by Christine_NM
Wed Jul 09, 2014 3:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best ways to help a friend get started?
Replies: 27
Views: 1819

Re: Best ways to help a friend get started?

I called Vanguard about opening either a Roth or traditional IRA for her. As expected, I can fund it for her as long as she has earned income of equal value. But she must know about the account and open it herself with her own signature or e-signature. There is still limited contact with her ex. I d...
by Christine_NM
Wed Jul 09, 2014 2:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best ways to help a friend get started?
Replies: 27
Views: 1819

Re: Best ways to help a friend get started?

As for telling her or not telling her... what are your reasons for each? I would think that telling her would be most beneficial if you're trying to have her financially independent. That way she can budget, save, and have an AA that is appropriate knowing what she will most likely have in the futu...
by Christine_NM
Wed Jul 09, 2014 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best ways to help a friend get started?
Replies: 27
Views: 1819

Re: Best ways to help a friend get started?

Arranging for a future income stream may be just the thing. Like an immediate annuity now that gives her extra income to be invested? Or a deferred annuity -- but it would be difficult to set a future date on retirement. I am concerned about the effect of giving large amounts. I've done as much of t...
by Christine_NM
Wed Jul 09, 2014 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best ways to help a friend get started?
Replies: 27
Views: 1819

Best ways to help a friend get started?

I would like suggestions on ways to provide for the retirement of a friend of mine. She is 45 years old, a very good, in-demand home health aide. She has no bank account or investments of any kind because when she did have such accounts, apparently her ex emptied them out. At my urging she has start...
by Christine_NM
Wed Jul 09, 2014 12:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best ways to help a friend get started?
Replies: 27
Views: 1819

Re: How many veteran investor have LARGE MAJORITY in three-f

Vanguard taxable account is three-fund. IRA is Wellington managed funds like Wellesley, Healthcare, Equity Income, Short Term Inv Grade bond, and bond ladder. Rest is in one stock, cash and I bonds. By the numbers, half of the portfolio is three-fund.
by Christine_NM
Wed Jul 09, 2014 12:54 am
 
Forum: Investing - Theory, News & General
Topic: How many veteran investor have LARGE MAJORITY in three-fund?
Replies: 56
Views: 3867

Re: Is it ever ok to tell your boss you have another offer?

My experience with really bad bosses is that they tend to leave or be transferred. So I would wait it out, and accept the problem as part of having the job you want. I don't think your boss will care that you had another offer. Especially if he treats everyone the same. He is doing what he knows how...
by Christine_NM
Mon Jul 07, 2014 11:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Is it ever ok to tell your boss you have another offer?
Replies: 30
Views: 2817

Re: Vanguard - Energy Fund

I don't have the Energy Fund but I inherited one big-oil stock 6 years ago. My Mom bought it in 1989 and took the dividend in cash during her retirement. I'm doing the same. The dividend has almost doubled from $450/quarter to $830/qtr in the short time I've owned it. I don't especially care that it...
by Christine_NM
Sun Jul 06, 2014 3:29 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard - Energy Fund
Replies: 31
Views: 3827

Re: Merton: 401(k) retirement plans face crisis

bob wrote: "The idea of the life care annuity began around 1999. That's the idea of bundling a life annuity with long term care insurance. The idea is still kicking around, but to the best of my knowledge no one has introduced the product. Sooner or later someone will IMO, who knows when."...
by Christine_NM
Fri Jul 04, 2014 2:18 pm
 
Forum: Investing - Theory, News & General
Topic: Merton: 401(k) retirement plans face crisis
Replies: 188
Views: 17215
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