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Re: Experience with transporting oversized art piece?

Maybe this is not a DIY job. I once bought a couple of paintings online from Sotheby's in London. Not sculpture, but still, they were packed by a firm contracted by the seller and arrived in perfect, bulletproof condition. The shipping cost 25% of the paintings' value. Look for a company that does t...
by Christine_NM
Sun Apr 26, 2015 11:31 am
 
Forum: Personal Consumer Issues
Topic: Experience with transporting oversized art piece?
Replies: 7
Views: 486

Re: What is a Boglehead?

Stocks, bonds, cash. :moneybag
by Christine_NM
Sat Apr 25, 2015 4:45 pm
 
Forum: Investing - Theory, News & General
Topic: What is a Boglehead?
Replies: 55
Views: 2604

Re: Why the big difference in my intl managed vs index funds

Debit - I remember ARTIX and DODFX from the 90's as always being top funds. I charted them just now compared to Vangd Total Intl and the index looks pretty poor. However, then I added to the chart the first foreign fund I owned long ago, Templeton Foreign Fund A (TEMFX). It was flying high with your...
by Christine_NM
Sat Apr 25, 2015 4:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why the big difference in my intl managed vs index funds
Replies: 8
Views: 629

Re: Retiring August 31, Company terminating pension plan

Another data point -- my pension has been paid to me monthly in the form of an annuity from Prudential since I retired 10 years ago. Thankfully I had no lump sum option or I might have been tempted to take it. However, PBGC still lists my employer as eligible for coverage. It's a nonprofit funded mo...
by Christine_NM
Sat Apr 25, 2015 12:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiring August 31, Company terminating pension plan
Replies: 16
Views: 2417

Re: Poll: Work adjustment options

OP - Have you considered that with option 4 and 5, part-time work, your pension benefit will not accrue fully for the time you spend working. The pension is based on hours worked, not years worked. I considered most of your options for myself and they seemed like less pay for the same commitment, if...
by Christine_NM
Wed Apr 22, 2015 7:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Work adjustment options
Replies: 19
Views: 1410

Re: TX, MT, CO, and NM Comparative Tax Burden

RandomP - CityData says mean price of "Detached houses: $433,458" in Santa Fe. To me, that means I made a pretty good guess at a starting price of $500k for a house you would want to move to from wherever your current location is. When Santa Fe first became a celebrity destination it cause...
by Christine_NM
Wed Apr 22, 2015 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: TX, MT, CO, and NM Comparative Tax Burden
Replies: 37
Views: 1863

Re: TX, MT, CO, and NM Comparative Tax Burden

Not sure what you're looking for or your preferences, of course, but I think you'll have a hard time finding a decent house in Santa Fe for $275k. Maybe a townhouse in the city or a house out in Rancho Viejo or Eldorado or in one of the cookie cutter Centex subdivisions, but in general, $275k doesn...
by Christine_NM
Wed Apr 22, 2015 10:40 am
 
Forum: Personal Finance (Not Investing)
Topic: TX, MT, CO, and NM Comparative Tax Burden
Replies: 37
Views: 1863

Re: What's your average monthly expense???

Rent/mortgage, insurance, rental insurance, etc: home items & upkeep/yr = $600/month Phone + Internet: $200 Electricity + gas, water: $200 Auto Payment: $0 Auto Insurance: $90 Gas: $10 Grocery: $250 Foods (eating out, office lunch, etc): $0 Entertainment, shopping, movie, etc: $500 Debt: $0 Misc...
by Christine_NM
Mon Apr 20, 2015 8:36 am
 
Forum: Personal Finance (Not Investing)
Topic: What's your average monthly expense???
Replies: 85
Views: 7669

Re: What Book Are You Currently Reading? Part VI

Faceless Killers, by Henning Mankell

I missed the whole Wallander series on PBS and never read any of the novels, so thought I'd try the first one, from 1990. I liked the Martin Beck series and the Stieg Larsson series, and in style this one falls somewhere in between the two.
by Christine_NM
Sat Apr 18, 2015 6:26 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 661
Views: 92844

Re: Help Evaluating Federal Job Offer

Birraj - Take it. I can't believe you are hesitating. It is a slightly different culture, but that is nothing compared to poor job security. Just realize that the real bosses are in Wash DC and they are paying the bills. They have their reasons for the strange things they want to do. I started at a ...
by Christine_NM
Fri Apr 17, 2015 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help Evaluating Federal Job Offer
Replies: 28
Views: 2694

Re: Does 3-funds offer higher returns or lower risk?

I have another question. The state of Florida has a program called "Future Advisor". They highly recommend the Vanguard Index Funds. For an indexing approach they also recommend a 3 fund approach using Domestic Stock (Vangiard Total Stock Market Index), Vanguard Total Bond Market index an...
by Christine_NM
Sun Apr 12, 2015 2:31 pm
 
Forum: Investing - Theory, News & General
Topic: Does 3-funds offer higher returns or lower risk?
Replies: 42
Views: 5760

Re: RMD and paying taxes

Yes, but.. You have already paid ordinary income tax on your taxable account. Now you owe capital gains tax if you sell at a profit. The money in a 401k or deductible IRA has never been taxed. All you owe are taxes at ordinary income rate when you take your RMDs. Looked at another way, you are avoid...
by Christine_NM
Sat Apr 11, 2015 2:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD and paying taxes
Replies: 12
Views: 1265

Re: The $1 Million Goal: Source of Motivation or Discouragem

^^Wow, Confused, you are a fantastic writer. Please let me know if you ever get the time to self-publish for Amazon Kindle. I'd buy an e-book of yours.
by Christine_NM
Sat Apr 11, 2015 1:42 am
 
Forum: Investing - Theory, News & General
Topic: The $1 Million Goal: Source of Motivation or Discouragement?
Replies: 172
Views: 15880

Re: Gift limit and Charitable Donations

Boarder - I used to get $10,000 a year from one parent back when that was the allowed amount for no record keeping. I'd also have charitable deductions. I never considered Mom as paying in particular for charitable contributions. I would send her gift to Vanguard. One year I think I even gifted appr...
by Christine_NM
Fri Apr 10, 2015 6:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gift limit and Charitable Donations
Replies: 31
Views: 1231

Re: The $1 Million Goal: Source of Motivation or Discouragem

EmergDoc wrote: I'm genuinely curious why a household would "settle" for an income of $30K. I am enjoying reading this whole thread but with nothing much to offer on the original topic. But I had to post when it occurred to me that the annual safe withdrawal rate on $1 million is just abou...
by Christine_NM
Thu Apr 09, 2015 3:15 pm
 
Forum: Investing - Theory, News & General
Topic: The $1 Million Goal: Source of Motivation or Discouragement?
Replies: 172
Views: 15880

Re: Withdrawing from balanced funds when stocks are down

I like to avoid these issues and withdraw only from money market accounts. I would not call it good to sell shares of anything for living expenses -- but I know lots of BHs would disagree with me. You are kidding yourself. Setting aside money to spend so that you can pretend you are not withdrawing...
by Christine_NM
Wed Apr 08, 2015 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: Withdrawing from balanced funds when stocks are down
Replies: 30
Views: 1657

Re: Withdrawing from balanced funds when stocks are down

Let me take a stab at this. She is right but she is not telling the whole story. In a downturn, a balanced fund's NAV will decline, but (obviously) less severely than a stock fund's NAV. Bond funds may do anything in a stock downturn, go up, down or stay the same, but usually bonds are up or unchang...
by Christine_NM
Wed Apr 08, 2015 1:31 pm
 
Forum: Investing - Theory, News & General
Topic: Withdrawing from balanced funds when stocks are down
Replies: 30
Views: 1657

Re: Why bonds?

...my approach above already has regular equity withdraws... Seems like this is the problem, not low bond returns. According to my approach, I have cash and bonds so that I do not have touch equities. At the rate I am going I will die with my last I-bond clutched in my hand and a portfolio of 100% ...
by Christine_NM
Mon Apr 06, 2015 5:24 pm
 
Forum: Investing - Theory, News & General
Topic: Why bonds?
Replies: 13
Views: 1527

Re: Implications of Marriage - she with debt and low income

^^Dulocracy -

Since your company required a prenup at least for itself, it takes some of the sting out. But were there terms added by you that the company did not require, and does your wife know that and how does she feel about it?
by Christine_NM
Thu Apr 02, 2015 11:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Implications of Marriage - she with debt and low income (WI)
Replies: 71
Views: 6673

Re: VWENX or VBIAX for long term

VWENX has 7.76% invested in foreign stocks, VBIAX is domestic only. VWENX has slightly more equities at 65/35, VBIAX is 60/40. Of course the expense ratio of VBIAX is .10% vs .18% for VWENX. Both are fine options IMO. Small correction - VBIAX ER is .09, half of VWENX. When you have a large amount t...
by Christine_NM
Wed Apr 01, 2015 1:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: VWENX or VBIAX for long term
Replies: 7
Views: 907

Re: Index Funds Warning

The article does not mention that most non-Vanguard managed funds hold stock positions so briefly that they have no influence on management at all. To them, a stock is a commodity and the only important thing is price. They could care less about management -- and that is probably a good thing. At le...
by Christine_NM
Tue Mar 31, 2015 2:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Index Funds Warning
Replies: 5
Views: 1044

Re: Social Security Guidance/Specialist

If you want to read and understand, Mike Piper's book (modest BH poster ObliviousInvestor above) and L. Kotlikoff's book are great. If you want a filing strategy optimized, Kotlikoff's http://www.maximizeyoursocialsecurity.com does a great job for $40. Make that http://www.maximizemysocialsecurity....
by Christine_NM
Mon Mar 30, 2015 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Guidance/Specialist
Replies: 5
Views: 811

Re: stick with current portfolio or move to Bill Schultheis'

Bill Schulteis's (or anyone else's) name on a portfolio doesn't make it right for you.

The enemy of a good plan is the dream of a perfect plan. You have a good plan now, don't mess it up. Find another hobby.
by Christine_NM
Mon Mar 30, 2015 1:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: stick with current portfolio or move to Bill Schultheis' cof
Replies: 15
Views: 1176

Re: Implications of Marriage - she with debt and low income

Should she return to school and close the business or otherwise stop working, there would be a host of need-based financial-aid options available to her This is the only "benefit" of a DP that I can see. You would not have to contribute for her education even though you would benefit from...
by Christine_NM
Mon Mar 30, 2015 12:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Implications of Marriage - she with debt and low income (WI)
Replies: 71
Views: 6673

Re: Hate where we live, do we make major changes?

we've often wondered if we lived in a climate more conducive to sun/warmth, we wouldn't feel the need to go to the Caribbean. Yes, I found that once I moved where I wanted to be, I felt less desire to travel long distances. When I did travel, even to Hawaii, I always found on return that the weathe...
by Christine_NM
Sun Mar 29, 2015 2:52 pm
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 132
Views: 12286

Re: What would you do with 1.25 million dollars for 1 year?

Have you owned VMLUX before? Its NAV is very slowly falling. I bought at about 10.50, I remember it as high as 11.15, and now it is 11.05. The income barely makes up the difference. Can you live with 10.50 a share one year from now? I have this fund and it is not a place I would put a balloon tax pa...
by Christine_NM
Thu Mar 26, 2015 10:28 am
 
Forum: Investing - Help with Personal Investments
Topic: What would you do with 1.25 million dollars for 1 year?
Replies: 39
Views: 3629

Re: Mom seeking financial help - what to do?

I have (at least) two answers. First, if Mom has given you any cash in your adult life, just give her back the $1000 and consider it repayment of the gift now that she needs it. (ETA - needs it or wants it -- Ralph above may be right about the worst case) Of course, if you do this, she will return a...
by Christine_NM
Wed Mar 25, 2015 6:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mom seeking financial help - what to do?
Replies: 62
Views: 4602

Re: Help w/ adult child hard-wired for poor financial decisi

Dave - All you have to complain about are her finances and no college yet? With or without a degree she would still need your help (money). Sorry, I see no decision that she could make that would suddenly make her a financial success. It is a long tough road to financial stability. She needs help no...
by Christine_NM
Tue Mar 24, 2015 6:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help w/ adult child hard-wired for poor financial decisions?
Replies: 45
Views: 4806

Re: Newbie knows nothing, feedback appreciated.

Sonoma - Welcome. Please don't worry too much, a lot of us have been more or less where you are. The only immediate "loss" will be on capital gains (your profit) on funds in the taxable account that cannot be transferred in kind. Somehow I expect your profits will be modest, but you can fi...
by Christine_NM
Sun Mar 22, 2015 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie knows nothing, feedback appreciated.
Replies: 24
Views: 2100

Re: The one area I disagree with Jack

I don't let my SS and pension dictate my allocation to stocks. Jack may be telling retired people that they do not have to hoard all their savings in cash or bonds. It is difficult to say this without some sort of numeric advice like count SS as a bond, so don't overdo the bond allocation. Reminds m...
by Christine_NM
Sat Mar 21, 2015 4:41 pm
 
Forum: Investing - Theory, News & General
Topic: The one area I disagree with Jack
Replies: 93
Views: 7513

Re: Opened an account Vanguard yesterday, now having cold fe

Taylor (and Helen) - I agree that a 3% CD is possibly not a bad idea. I just hate to think that a bad experience with a broker would prevent a couple from any possibility of investing a small portion of retirement funds in stocks, even in the form of index funds. The loss was extreme but need not be...
by Christine_NM
Sat Mar 21, 2015 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opened an account Vanguard yesterday, now having cold feet
Replies: 60
Views: 4053

Re: Opened an account Vanguard yesterday, now having cold fe

We have been thinking constantly for the last 3 weeks ever since we sold the land. I just cannot convince my husband to do the stock market...he is scared to death because of what happened to his IRA. He keeps talking about another brokered cd at 3% for 10 years. I forgot to say, I can invest more ...
by Christine_NM
Sat Mar 21, 2015 3:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opened an account Vanguard yesterday, now having cold feet
Replies: 60
Views: 4053

Re: Opened an account Vanguard yesterday, now having cold fe

Helen -- I watched some of Rickards. Not much actionable takeaway there, just a mediocre bit of fearmongering. Assuming the sun comes up tomorrow and Monday :shock: let's continue with life as we know it. Your funds are the same ones that are in the Lifestrategy funds-of-funds. Pick a Lifestrategy f...
by Christine_NM
Sat Mar 21, 2015 3:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opened an account Vanguard yesterday, now having cold feet
Replies: 60
Views: 4053

Re: Doctor's office requires credit card on file

I would base my decision to see them based on the recs you got and your personal experience. Lafder Lafder - How can a new patient tell if unnecessary tests or treatments are being recommended? Or if symptoms are adequately addressed? Docs have thousands of patients, but each patient has only one b...
by Christine_NM
Fri Mar 20, 2015 7:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Doctor's office requires credit card on file
Replies: 55
Views: 3095

Re: Doctor's office requires credit card on file

I guess this is a private practice, not a hospital clinic? I have been to a lot of doctors in the past 3 years, some private and most hospital clinicians, and no one has asked for a credit card or charged for online services. Of course, I belong to a Medicare Advantage plan and it all gets taken car...
by Christine_NM
Fri Mar 20, 2015 6:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Doctor's office requires credit card on file
Replies: 55
Views: 3095

Re: Cooking: Refreezing Turkey Stock?

Yes, divide into portions you will use.

Christmas? I don't keep anything more than 3 months in an self-defrosting freezer. Longer than than and everything gets tired looking.
by Christine_NM
Thu Mar 19, 2015 8:36 pm
 
Forum: Personal Consumer Issues
Topic: Cooking: Refreezing Turkey Stock?
Replies: 8
Views: 521

Re: Any Vanguard Balanced Index Fund Diehards

Yo, Bal Index holder here since about 1999. In 2002 switched it from IRA to taxable. Now the cap gains are way too much to realize so I am in it for life. It is my largest fund. I still reinvest distributions even though I am retired. I like that Vanguard cannot tinker with it since it is not a fund...
by Christine_NM
Tue Mar 17, 2015 11:58 am
 
Forum: Investing - Theory, News & General
Topic: Any Vanguard Balanced Index Fund Diehards
Replies: 24
Views: 3077

Re: Kotlikoff: When Should you Take Social Security?

^^ Dec - I did not find the story funny either, but it was the first one, so I took Bob at his word. And reading it did remind me of my boss's comment. There is much to lament in the relationships between people and money. Social Security is one of our better efforts overall. It's unseemingly for ac...
by Christine_NM
Mon Mar 16, 2015 7:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kotlikoff: When Should you Take Social Security?
Replies: 242
Views: 24727

Re: Kotlikoff: When Should you Take Social Security?

Hi L, This morning I took my wife to the hospital for her chemotherapy and we started a conversation with a woman being infused in the next chair. The conversation turned to the book I was reading and I said that it was a fairly humorous read for such a dry topic. Here, read the first couple of pag...
by Christine_NM
Mon Mar 16, 2015 6:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kotlikoff: When Should you Take Social Security?
Replies: 242
Views: 24727

Re: John Bogle's Don't Peek Challenge

I think Jack's larger point was you don't have to do anything besides save money and invest regularly.

Saving for retirement is really easy. All the angst and peeking is wasted effort.
by Christine_NM
Mon Mar 16, 2015 12:17 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 146
Views: 12413

Re: Benefit of tilting towrds Nordic minus Norway for Norweg

Unless some reasons are given for the recommendation, the allocation sounds like home-country and regional bias -- what the fund company knows its customers will like to buy. Even giving reasons to buy specific countries turns them into "story stocks" -- story meaning a sequence of future ...
by Christine_NM
Sun Mar 15, 2015 7:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Benefit of tilting towrds Nordic minus Norway for Norwegian?
Replies: 2
Views: 365

Re: Mutual Funds or Variable Annuity?

The other option was a bunch of Franklin funds and the FA showed a Morningstar hypo from 2000-2015 where if you would have invested $500K in the year 2000, than as of Feb 28th it would have been $1.7MM! Wow! Doesn't that handily beat the market even with the fees included? This caught my eye becaus...
by Christine_NM
Sun Mar 15, 2015 1:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual Funds or Variable Annuity?
Replies: 11
Views: 887

Re: Confused with Social Security website calculation.

Gort - I used AnyPIA ten years ago. I had to enter my earnings history, but that allowed me to enter zero earnings from age 62-70. The benefits calculated were exactly right for the known case, age 62, and somewhat lower than shown on the usual PEBES statement or online. Not much, less than $200/mon...
by Christine_NM
Sun Mar 15, 2015 12:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Confused with Social Security website calculation.
Replies: 5
Views: 622

Re: Another take on Vanguard questionnaire: NYTimes

Thanks for the article. It was a 1995 NYT article that got me to be serious about retirement planning. I had a good savings habit, but no idea if it would be enough.

I'm sure your article peeled a few people off the bench and into the planning game.
by Christine_NM
Fri Mar 13, 2015 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another take on Vanguard questionnaire: NYTimes
Replies: 42
Views: 4077

Re: Kotlikoff: When Should you Take Social Security?

This is why I elected to take Social Security at age 62 although I did not quite need the money: About three months before I turned 62, I was diagnosed with a rare form of blood cancer that affects around 3,000 people annually in the US. I got treated and continue to see my physicians regularly. I ...
by Christine_NM
Fri Mar 13, 2015 2:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kotlikoff: When Should you Take Social Security?
Replies: 242
Views: 24727

Re: Kotlikoff: When Should you Take Social Security?

^^ miriam2 - Thank you for the quote. I am stunned at Kotlikoff's conclusion that the reptilian self can think of future selves. My idea of that self is that it will not leave a crumb on the table today for two crumbs tomorrow. Social Security is turning out to be the ultimate kids' marshmallow test...
by Christine_NM
Fri Mar 13, 2015 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kotlikoff: When Should you Take Social Security?
Replies: 242
Views: 24727

Re: Vitamins/Supplements, recs for reliable brands & retaile

I've been getting a few vitamins for years from Carlson Laboratories via Amazon. My first vitamin D (forget the brand) didn't move the needle on D3 blood test. Switched to Carlson and it showed in subsequent lab work.
by Christine_NM
Thu Mar 12, 2015 4:49 pm
 
Forum: Personal Consumer Issues
Topic: Vitamins/Supplements, recs for reliable brands & retailers?
Replies: 12
Views: 1010

Re: Is High Frequency Trading a Problem For Bogleheads?

^^ Simplegift -

This isn't a test for HFT because the index itself would be affected by HFT on all exchanges. Every trade would be subject to a HFT ding, so the prices are a tad off everywhere. Lots of other factors in play to determine price, but everyone is paying a bit to the frontrunners.
by Christine_NM
Thu Mar 12, 2015 4:27 pm
 
Forum: Investing - Theory, News & General
Topic: Is High Frequency Trading a Problem For Bogleheads?
Replies: 42
Views: 2021

Re: Edward Jones - Ripped off Advice

The most innocent explanation might be a big bet on international in 2014 combined with a little too much trading to try to correct the result. It doesn't have to be nefarious. Just be glad your friends are not in charge of your money, you are, and hope that you do better.
by Christine_NM
Wed Mar 11, 2015 4:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Edward Jones - Ripped off Advice
Replies: 20
Views: 1592

Re: High Cost of Fruits and Vegetables

Sugar in fruits is essentially no different from fructose from a candy bar because chemistry is chemistry and molecules are molecules no matter where they come from. 1 medium orange 2-5/8" diameter has 12 grams of sugar and 3 grams of fiber. Zero fat. 1 Snickers bar 4oz size has 57 grams of su...
by Christine_NM
Tue Mar 10, 2015 12:33 pm
 
Forum: Personal Consumer Issues
Topic: High Cost of Fruits and Vegetables
Replies: 126
Views: 7454
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