Search found 1950 matches

by Christine_NM
Sun Aug 30, 2015 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Charatable trust after death
Replies: 50
Views: 1324

Re: Charatable trust after death

Brian - I have similar issues -- how to donate my taxable account. I looked at Vanguard Charitable and it seems reasonable except for the fees. They are not large compared to assets, but the annual fee to handle $1m would be around $4000 -- it was not stated clearly enough for me to be sure -- every...
by Christine_NM
Fri Aug 28, 2015 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: College student looking for advice on retirement investing
Replies: 36
Views: 1768

Re: College student looking for advice on retirement investing

You can withdraw your Roth contributions now but any interest or dividends earned will have to wait 5 years to be tax and penalty free.
by Christine_NM
Tue Aug 25, 2015 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Inexperienced investor: Please help with asset allocation/location
Replies: 12
Views: 684

Re: Inexperienced investor: Please help with asset allocation/location

I... have written an excel program that makes re-balancing very easy for me. It takes me about 15 minutes to re-balance between as many asset classes as needed. Of course, we can program almost anything. The difficult part is deciding what ought to be programmed and executed. Please try to see what...
by Christine_NM
Mon Aug 24, 2015 11:02 am
Forum: Personal Consumer Issues
Topic: Dinning in Taos and Santa Fe
Replies: 19
Views: 1573

Re: Dinning in Taos and Santa Fe

I like Roberto's in Taos (Kit Carson Rd) for New Mexican food and Bishop's Lodge restaurant in Santa Fe for American menu.
by Christine_NM
Sun Aug 23, 2015 11:13 am
Forum: Investing - Theory, News & General
Topic: What to do w/450K in cash?
Replies: 32
Views: 3990

Re: What to do w/450K in cash?

If you need or want a bigger house, go for it. Move or do a remodel.

I do not see the point of more investment.
by Christine_NM
Sat Aug 22, 2015 4:09 pm
Forum: Investing - Theory, News & General
Topic: Loss in portfolio makes me spend more, do you ?
Replies: 30
Views: 2560

Re: Loss in portfolio makes me spend more, do you ?

A loss doesn't affect my spending. But I can see how comparing a big number (win or loss) to a $300 item would make the purchase seem more reasonable. I noticed one thing different this time. I have finally internalized that it is extremely unlikely that I will ever need to spend down my principal (...
by Christine_NM
Fri Aug 21, 2015 1:57 pm
Forum: Investing - Theory, News & General
Topic: Bogle: retirees should focus on dividends
Replies: 157
Views: 15224

Re: Bogle: retirees should focus on dividends

^^ Thanks. That sounds like work. Good thing I have a pension, annuity, SS, interest income, two belts and a pair of suspenders. Much to be said for direct deposits to the bank account, if not envelopes in the mailbox.
by Christine_NM
Fri Aug 21, 2015 1:37 pm
Forum: Investing - Theory, News & General
Topic: Bogle: retirees should focus on dividends
Replies: 157
Views: 15224

Re: Bogle: retirees should focus on dividends

If you don't mind (and can afford) paying more in taxes, JB's strategy is fine. -jalbert How so more in taxes? Stock dividends are qualified dividends meaning they are taxed at the cap gains rate. Otherwise I have no dog in this fight. I prefer to use bond interest as income and reinvest stock divi...
by Christine_NM
Thu Aug 20, 2015 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Mom's retirement account
Replies: 31
Views: 1806

Re: Mom's retirement account

bluegrammar - I've read over this several times, trying to think of something more profound than "put it all in VTINX". Maybe I have something.. Does it make sense to you and your Mom to pay essentially a flat fee every year to a financial advisor, when her expenses are 2/3rds covered by S...
by Christine_NM
Mon Aug 17, 2015 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced or LifeStrategy Moderate?
Replies: 17
Views: 2064

Re: Vanguard Balanced or LifeStrategy Moderate?

I chose Balanced Index partly because I could add international to it, but I could not take anything out of a LifeStrategy fund.

Don't let Taylor rush you :D . For at least 3 years (I've forgotten how many) a Balanced Index prospectus sat in a desk drawer while I mulled it over.
by Christine_NM
Sun Aug 16, 2015 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Current IRA Portfolio
Replies: 8
Views: 446

Re: Current IRA Portfolio

How dangerous is sector investing? :D Look at the other sectors too. Would you like to be holding an Energy etf now? :shock: The bloom is fading a bit in healthcare. I predict fwiw that vht doesn't make 10% this year. Get a solid base in Total Market and then you can play with sector investing if s...
by Christine_NM
Fri Aug 14, 2015 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Accessorizing VBIAX for core portfolio holding?
Replies: 3
Views: 405

Re: Accessorizing VBIAX for core portfolio holding?

Osage - I accessorize VBIAX in taxable with Developed Markets Index (sym?) and Limited term tax-exempt (VMLUX). I have started to add small value index (VSIAX) but that is mainly to offset the large cap funds in my retirement accounts. If you want edgy, try Mel's unloved midcaps (VIMSX?). Or try the...
by Christine_NM
Wed Aug 12, 2015 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Commingled Pool question
Replies: 7
Views: 907

Re: Commingled Pool question

I had the Class II shares (institutional, maybe cost a bit less) for many years and it seemed to track closely with VFINX except at distribution time, as mentioned. If you have a choice maybe a "real" index fund is better -- I had no other S&P 500 index options.
by Christine_NM
Wed Aug 12, 2015 11:38 am
Forum: Investing - Help with Personal Investments
Topic: the great migration (moving from edward jones)
Replies: 24
Views: 1898

Re: the great migration (moving from edward jones)

retiredjg - I like your idea better than mine in theory. In practice, Mom should consider just how much tax will be reduced by owning munis in small amounts vs. the simplicity of one fund like LifeStrategy Moderate Growth (60/40 with international stock and bond). We are talking about $275k here, no...
by Christine_NM
Wed Aug 12, 2015 9:22 am
Forum: Investing - Help with Personal Investments
Topic: the great migration (moving from edward jones)
Replies: 24
Views: 1898

Re: the great migration (moving from edward jones)

If Tax Managed Balanced Fund has any appeal, an International fund can be used with it to overcome its cons as stated above. $220,000 TM Balanced plus $55,000 VTIAX (Total International Admiral) gives you a 60/40 allocation with a 25% international allocation. I would not attempt to rebalance those ...
by Christine_NM
Tue Aug 11, 2015 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Your First Job
Replies: 113
Views: 6443

Re: Your First Job

Age 16, clerking at Woolworths during Christmas season and stayed a few months later. It's amazing to me now, but I decided it was time to get a job, walked in and got one. My Dad had said I should wait and he would help me (what was that about-- stalling tactic? a kid should not need parent to get ...
by Christine_NM
Tue Aug 11, 2015 10:27 am
Forum: Personal Consumer Issues
Topic: Anti-smartphone [basic phone + paper planner & address book] anyone??
Replies: 42
Views: 3092

Re: Anti-smartphone [basic phone + paper planner & address book] anyone??

Now when I go to a doctor, they sit down in front of a computer and ask me questions while typing in the information. No eye contact - the computer screen gets all the attention. I could sit there and make weird faces and nobody would know. I suppose if I had a coronary and fell out of the chair, t...
by Christine_NM
Mon Aug 10, 2015 9:58 am
Forum: Personal Consumer Issues
Topic: Boglehead Hawaii
Replies: 28
Views: 2839

Re: Boglehead Hawaii

Try looking up restaurants online before you go. One I remember is Lava Java in Kona -- great Kona coffee and 3 meals. Dinner at Merriman's Steak House in Waimea (lots of fish too) is excellent. The menu and prices for both are online. I liked the Waikoloa area for its white sand beach and trail alo...
by Christine_NM
Fri Aug 07, 2015 12:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: Congrats to Laura Dogu
Replies: 61
Views: 5744

Re: Congrats to Laura Dogu

Congratulations to Laura :D

I see from her bio that she speaks Spanish, Turkish and Arabic. What I noticed when she joined Bogleheads was her excellent command of written English, uncompromised even in this acronym-addicted net format.
by Christine_NM
Wed Aug 05, 2015 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone using Vanguard's RMD service?
Replies: 12
Views: 1029

Re: Anyone using Vanguard's RMD service?

Hi Munir -

I thought I made it clear -- health issues. Also, I don''t want a lot of growth in my IRA, it would only make the following year's RMD larger. But I have no objection to growth in my Roth or taxable account :D
by Christine_NM
Wed Aug 05, 2015 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Anyone using Vanguard's RMD service?
Replies: 12
Views: 1029

Re: Anyone using Vanguard's RMD service?

I use it. The only financial obligations I have during the year can be done in one transaction -- take the RMD and pay the safe-harbor amount of federal and state taxes. Safe-harbor amounts consume more than half the RMD. I specify one of my taxable funds to receive the rest. I suppose you can dribb...
by Christine_NM
Wed Aug 05, 2015 11:18 am
Forum: Personal Consumer Issues
Topic: Comcast wants me to buy a new modem (I think)
Replies: 53
Views: 2828

Re: Comcast wants me to buy a new modem (I think)

Last month I finally switched to DOCSIS 3.0 (Arris Surfboard). It makes a noticeable difference. The old DOCSIS 1 or 2 modem began one day to be unable to hold onto a signal after many years, maybe 10, of service. Can't speak to the phone issue. I have only a landline, which now only gives me local ...
by Christine_NM
Wed Aug 05, 2015 11:03 am
Forum: Personal Finance (Not Investing)
Topic: I do my own taxes. Should I use a CPA anyway to develop a relationship?
Replies: 11
Views: 1135

Re: I do my own taxes. Should I use a CPA anyway to develop a relationship?

I did my own taxes until I had to file a last return for a deceased parent, then I used a CPA who also is my executor and will have fin poa if I'm incapable. So now she does my taxes every year. It is a small luxury and I am glad not to be on my own doing taxes anymore. It is good to have her up to ...
by Christine_NM
Mon Aug 03, 2015 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplemental Insurance
Replies: 14
Views: 1074

Re: Medicare Supplemental Insurance

This article is about who gets dinged most by Plan B rate changes: http://finance.yahoo.com/news/3-ways-dodge-big-medicare-110026363.html My impression is that you would not necessarily want to be new to Medicare in 2016. Or, more accurately, don't expect to game the system, just sign up and pay wha...
by Christine_NM
Sat Aug 01, 2015 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Careers: MD, Non-MD, MBA, Engineering, Law, Teaching
Replies: 96
Views: 9231

Re: Careers: MD, Non-MD, MBA, Engineering, Law, Teaching

How to advice a young person what to study in college and what job to have for a career? My being associated with so many HR new-hire reviews, your top priority should be basic English and spelling. Without a focus on that, you will find that most employers will take your resume and toss it in the ...
by Christine_NM
Fri Jul 31, 2015 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Surprisingly positive experience filing for SS online
Replies: 9
Views: 762

Re: Surprisingly positive experience filing for SS online

I filed online and got a call from the local SS office the next day telling me to bring in my birth certificate. No problems, but I was not asking for anything unusual either.
by Christine_NM
Fri Jul 31, 2015 9:52 am
Forum: Local Chapters and Bogleheads Community
Topic: bogleheadism == Vanguard?
Replies: 66
Views: 5545

Re: bogleheadism == Vanguard?

I would not want to appear to be promoting any one company. Mr. Bogle does an excellent job of giving interviews about personal finance (particularly the Frontline interview on hidden costs -- "Retirement Gamble") without constantly referring to Vanguard. I think that's because he natural...
by Christine_NM
Thu Jul 30, 2015 10:55 am
Forum: Investing - Theory, News & General
Topic: Does VTSAX Needlessly Holds Too Many Stocks?
Replies: 21
Views: 1805

Re: Does VTSAX Needlessly Holds Too Many Stocks?

My impression is that once a fund deviates from an index, the real cost goes up because staff must be paid to make trading decisions. It is probably cheaper to buy everything (or follow a sampling algorithm) than to pay staff to decide what not to buy. Then there's manager risk. Some yo-yo might hav...
by Christine_NM
Tue Jul 28, 2015 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Minimums for Fund Purchases
Replies: 8
Views: 286

Re: Minimums for Fund Purchases

minimum is per fund, not account total. same for admiral. So then if I wanted to add $1,000 of TSM then I could, even though the minimum is $3,000? No, sorry, you have to pony up the whole minimum for each fund in each account. Each account is considered separately -- it is hard to explain this cle...
by Christine_NM
Tue Jul 28, 2015 10:56 am
Forum: Investing - Theory, News & General
Topic: Anyone Have a Near Retirement Strategy for Sequence of Return Risk?
Replies: 45
Views: 2724

Re: Anyone Have a Near Retirement Strategy for Sequence of Return Risk?

I retired in 2005. The sequence of returns issue seemed important to me so in 2003 I backed off from 60% equities to 35%. As Andy says, the path was not always smooth and there were other issues involved. Since 2008 equities grew from 35 to 40% without any help from me. It would have grown more but ...
by Christine_NM
Tue Jul 28, 2015 10:15 am
Forum: Investing - Help with Personal Investments
Topic: What advice would you give...Salary bumping up from 37k to 45k annually
Replies: 15
Views: 1470

Re: What advice would you give...Salary bumping up from 37k to 45k annually

Hi South - You are way ahead already if you can avoid blowing it all on a new vehicle and taking on a car loan. If you did that, the raise would end up decreasing your net worth. Try changing the W2. If it doesn't work out, you can change it back anytime. These days you would not get much interest b...
by Christine_NM
Mon Jul 27, 2015 11:20 am
Forum: Forum Issues and Administration
Topic: Cannot access the wiki
Replies: 8
Views: 723

Re: Cannot access the wiki

Wiki is not working for me either (10:19 am MDT). Same message whaleknives received.

ETA - didn't work with one hour cache clearing. Wiki link does work after one-day cache clearing.
by Christine_NM
Wed Jul 22, 2015 12:11 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 952
Views: 187412

Re: What Book Are You Currently Reading? Part VI

The Martian by Andy Weir. Normally I am not a big sci-fi fan, but this book is amazing. Astronaut left behind on manned Mars mission. Science, bureaucracy, ingenuity, and luck -- everything that makes a planet go round. I especially enjoy it since I worked as a programmer at a national lab -- there...
by Christine_NM
Tue Jul 21, 2015 11:49 am
Forum: Investing - Help with Personal Investments
Topic: limit order on bond
Replies: 3
Views: 173

Re: limit order on bond

Is this buy or sell? How quickly is "pretty quickly"?

Sorry, I don't know, I have only bought TIP bonds at auction. I have sold corp bonds at VBS with a limit order with no problems.
by Christine_NM
Sat Jul 11, 2015 11:56 pm
Forum: Investing - Help with Personal Investments
Topic: Weak-kneed
Replies: 22
Views: 3311

Re: Weak-kneed

Hi Rocko - Portfolios like VTINX are simple but not necessarily easy. I have mostly index funds too, and I am down $30k since the year's peak in March, but still up a bit for the year even after taking my RMD. But last year the portfolio made almost $200k, so how can I complain? It is too soon to ba...
by Christine_NM
Sat Jul 11, 2015 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: buying ski condo to use in summer
Replies: 26
Views: 2606

Re: buying ski condo to use in summer

I used to think about doing this in New Mexico. But I decided that most ski resorts are not prime destinations in summer, not where you'd want to stay if you had a choice. I think OP wants to stay there himself in the summer and rent it out during skiing season. That's what I meant but I guess I wa...
by Christine_NM
Sat Jul 11, 2015 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: buying ski condo to use in summer
Replies: 26
Views: 2606

Re: buying ski condo to use in summer

I used to think about doing this in New Mexico. But I decided that most ski resorts are not prime destinations in summer, not where you'd want to stay if you had a choice.
by Christine_NM
Tue Jul 07, 2015 3:03 pm
Forum: Investing - Theory, News & General
Topic: Robert Shiller's Continuing Demise
Replies: 36
Views: 6064

Re: Robert Shiller's Continuing Demise

Tad -

Maybe you called the bottom (not! :( ). GREK ended up 1.5%.
by Christine_NM
Fri Jul 03, 2015 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: How often should I check my accounts online?
Replies: 20
Views: 2369

Re: How often should I check my accounts online?

Back in the wild times of the 90s, Fidelity messed up my 401k once and it looked like it was part of another account with an owner in a different state with a different name. I was in the habit of checking on Fridays and found this problem. I bugged Fidelity relentlessly but got no meaningful respon...
by Christine_NM
Fri Jul 03, 2015 3:15 pm
Forum: Investing - Theory, News & General
Topic: What is the Duration of Your Bond Portfolio? And Why?
Replies: 61
Views: 5854

Re: What is the Duration of Your Bond Portfolio? And Why?

You made me do the calculation, OP, so here's the result. Duration of my bond portfolio is 4.78 years. There is no why, it is what it is. I thought it might be 4-4.5 years so this was a surprise. My duration has been powered by Balanced Index (duration 5.7) and Wellesley (duration 6.3). I have a sig...
by Christine_NM
Thu Jul 02, 2015 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Pick One of Three! Vanguard Balanced Funds
Replies: 23
Views: 3707

Re: Pick One of Three! Vanguard Balanced Funds

I've had Balanced Index (in taxable!) since 2002. I have also owned Wellington in an IRA, but now have Wellesley in the IRA. I considered the LifeStrategy MG but preferred access to Admiral Shares and no surprises in fund management. It was a long decision, several years of watching different funds ...
by Christine_NM
Tue Jun 30, 2015 8:23 pm
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 78
Views: 130359

Re: Please Try Out Test Posts Here

testing send channel - again
by Christine_NM
Fri Jun 26, 2015 11:53 am
Forum: Personal Finance (Not Investing)
Topic: tap IRA to pay off CC debt?
Replies: 31
Views: 3354

Re: tap IRA to pay off CC debt?

If I pay it off from my 401K I feel I can break the pattern and start saving up cash reserves immediately. I am still not buying this. You have already saved up this 401k money for retirement. Let it sit there and grow. Use current cash/card offers to pay off debt. Don't borrow from the future to p...
by Christine_NM
Thu Jun 25, 2015 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: tap IRA to pay off CC debt?
Replies: 31
Views: 3354

Re: tap IRA to pay off CC debt?

IRAs are for retirement, not for credit card debt. When the next expense comes, will you use the IRA just because there is no penalty to withdraw except extra taxes? Bad precedent. Bite the bullet and learn how much $10k really is -- pay off out of current cash and scrimping. Sorry, but you need a b...
by Christine_NM
Thu Jun 25, 2015 11:41 am
Forum: Personal Consumer Issues
Topic: Scotland / Ireland Castles?
Replies: 29
Views: 2811

Re: Scotland / Ireland Castles?

To start, check out the National Trust for Britain and Ireland here http://www.nationaltrust.org.uk/visit/places/. They don't seem to manage any castles in Scotland and sorry, I don't know the Scottish equivalent. Google is your friend (usually).
by Christine_NM
Wed Jun 24, 2015 5:14 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 28718

Re: What ratio are you stocks/bonds and how old are you?

Age 72 (in a couple of months) As my tag line says, 10% cash 45% bonds 45% stocks -- of which, 25% is international, 10% is small value I had been hiding out in large value stock funds for first 10 years of retirement, and to some extent still am, but have increased international and added small val...
by Christine_NM
Tue Jun 23, 2015 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Stop funding Roth IRA
Replies: 23
Views: 3166

Re: Stop funding Roth IRA

I stopped funding my Roth when I retired. Others (like all our doctors here) stop because they earn too much to contribute. Any particular reason you ask?
by Christine_NM
Tue Jun 23, 2015 11:22 am
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 220
Views: 25517

Re: What was the 2008 crash like in real time?

OK, here's how bad it really was. In June 2009 I was looking to buy a house for cash. The realtor wanted to know how much money I had. I told him, I have $X but if you had asked me a year ago I would have said $X+$500,000. His response was not horror or sympathy. He said, oh heck you did pretty well...
by Christine_NM
Mon Jun 22, 2015 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Should my husband become a nurse?
Replies: 71
Views: 8117

Re: Should my husband become a nurse?

^^ yes, it is a hard job. He will earn every penny of that salary. After 2-3 years of this, you will have a tired, burned-out spouse on your hands. If you both are very lucky he will find some other work. I was an RN as a second career for 12 years and then switched to IT so I could sit down. No, I ...

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