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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: 31
Views: 1710

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: 539

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: 1974

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: 1351

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: 2975

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: 7006

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: 1394

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: 10722

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: 946

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: 2787

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: 1104

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: 1048

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: 2137

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: 17351

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: 17351

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: 17351

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: 17351

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: 1943

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: 7824

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: 1826

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: 10316

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: 1103

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: 6165

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: 2347

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: 1180

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: 3342

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: 2255

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: 2255

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: 2186

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: 1398

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: 1383

Re: Where do you buy clothes?

If LL Bean doesn't have it, I don't need it :happy
by Christine_NM
Sun Aug 10, 2014 6:25 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 9235

Re: Good place to park ~$500k for house remodel/teardown?

I used Admiral Treasury Money Market fund, but that is closed now.

Long term fund records don't mean much in the course of one year. State-specific TE funds, really any bond funds, are a tad too risky for money you are counting on having intact in a year.
by Christine_NM
Sat Aug 09, 2014 11:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Good place to park ~$500k for house remodel/teardown?
Replies: 17
Views: 2448

Re: Your Favorite charity organization...? please

Automatic monthly donation either to Salvation Army (for local) or to MSF (for international).
by Christine_NM
Fri Aug 08, 2014 1:29 pm
 
Forum: Personal Consumer Issues
Topic: Your Favorite charity organization...? please
Replies: 91
Views: 4290

Re: How often do you replace bath towels?

I was writing a serious post about my towel and laundry habits but have mercifully spared you. The most interesting part was, there's a striped towel that I bought 20 years ago that I really like and probably will never throw out. I don't use it much anymore, but am always happy to give it a gentle ...
by Christine_NM
Fri Aug 08, 2014 12:22 pm
 
Forum: Personal Consumer Issues
Topic: How often do you replace bath towels?
Replies: 50
Views: 3980

Re: RMD & Social Security

Here's an old thread on the issue, maybe it will help, maybe not:

viewtopic.php?t=69467

I find it all very confusing and know nothing about 457's, so will not comment.
by Christine_NM
Thu Aug 07, 2014 4:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD & Social Security
Replies: 7
Views: 952

Re: December RMD Withdrawal Timing Question

I'm in the don't-delay camp. I use the RMD to pay all taxes, with the balance going to a tax-exempt fund in my Vanguard taxable account. So as soon as I can reasonably estimate the next year's tax liability I schedule the RMD. This year that was in June. I don't want any growth in my IRA at this poi...
by Christine_NM
Thu Aug 07, 2014 1:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: December RMD Withdrawal Timing Question
Replies: 35
Views: 1438

Re: [If over 50] Do you prepare for long term care

I have an LTC policy but it is not enough to cover the full cost of care. Still, it would be a significant income increase and with it I can self-insure the rest.

Hope I never need it. Medicare covers a short hospice stay and that's second best to dying in your sleep.
by Christine_NM
Thu Aug 07, 2014 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: [If over 50] Do you prepare for long term care
Replies: 43
Views: 2129

Re: 22 year old College Senior--Tips for my portfolio

I like to keep emergency fund in a savings account and definitely not in checking. That really is emergency money, not everyday expense money. Will wait to read your reformatted portfolio.. ETA - Excellent portfolio. Maybe in taxable I'd use a Money Market fund rather than Total Bond, but that is ju...
by Christine_NM
Wed Aug 06, 2014 3:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: 22 year old College Senior--Tips for my portfolio
Replies: 9
Views: 1027

Re: Clean investing in a single stock

a - The cleanest way to buy stock is to buy it from a direct purchase plan via the company's transfer agent. You buy it once and you hold the shares in your name. It's outside all your other accounts. That's how the megacaps do it. Tesla FAQ says, you need a brokerage account to buy Tesla on NASDAQ....
by Christine_NM
Sun Aug 03, 2014 1:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Clean investing in a single stock
Replies: 28
Views: 3072

Re: Is Medigap insurance really needed?

linux - In OP's case, wife hates doctors. Given that, she is not likely to incur extra costs by having Medigap. The more likely scenario is that she waits too long to see a doctor, incurs higher costs because she waited, and so should have Medigap. Maybe some people are healthcare shoppers, but I do...
by Christine_NM
Sat Aug 02, 2014 3:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Medigap insurance really needed?
Replies: 83
Views: 4342

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: 166
Views: 15035

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: 6115

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: 4526

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: 657

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: 4526

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: 3149

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: 4689
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