Search found 2326 matches

by Christine_NM
Tue Sep 27, 2016 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Vanguard Management
Replies: 16
Views: 1463

Re: Help with Vanguard Management

What bothers me is: there is no settlement fund until I "upgrade" by merging brokerage and mutual fund retirement accounts. AND, if I do "upgrade" they will not comply with my current choices, and they will not let me direct that the dividends and capital gains be directed to my ...
by Christine_NM
Tue Sep 27, 2016 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Vanguard Management
Replies: 16
Views: 1463

Re: Help with Vanguard Management

Beth - I for one sympathize with you. I worry more about a Vanguard "upgrade" than I do about my post-cancer checkups. :( (I know the upgrade is coming, but I might get lucky with the cancer.) You might consider moving the IRA to another provider, like Fidelity or Schwab if Vanguard cannot...
by Christine_NM
Mon Sep 26, 2016 6:16 pm
Forum: Personal Consumer Issues
Topic: Where to spend January-March in Winter??
Replies: 37
Views: 2913

Re: Where to spend January-March in Winter??

Puerto Rico? USVI?

Never been to either but have wanted to go. Besides beach they have casinos and boats.

ETA - There is always Padre Island TX.
by Christine_NM
Sun Sep 25, 2016 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Help With Mom
Replies: 13
Views: 1649

Re: Help With Mom

Hi njb-

Ah there's the rub. When need is high, ability to take risk is nil without human capital. If it were my Mom, I'd do the savings account and then gift her what she needs to live while she can still be in her own house.
by Christine_NM
Sun Sep 25, 2016 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Help With Mom
Replies: 13
Views: 1649

Re: Help With Mom

nj -

The $50k in a savings account would serve as an emergency fund for house and apartment maintenance. I do not think it is reasonable to expect $300-$500 per month from a $50k nest egg.
by Christine_NM
Sun Sep 25, 2016 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Help With Mom
Replies: 13
Views: 1649

Re: Help With Mom

Plum - This reminds me of Taylor's maxim, don't put money in stocks that you can't afford to lose. I do not think your Mom has enough resources to withstand any loss. If it were my Mom, I would simply give her $500 a month and keep the $50k in an FDIC savings account. If she has enough outside incom...
by Christine_NM
Fri Sep 23, 2016 3:18 pm
Forum: Investing - Theory, News & General
Topic: I guess we better peek when it comes to Vanguard
Replies: 37
Views: 5153

Re: I guess we better peek when it comes to Vanguard

Update, I didn't need to call. I checked again this morning and it had the right amount. To be fair, this is the first time this ever happened with Vanguard. As a retired programmer I was going to suggest yesterday you wait another day rather than complicate matters trying to fix an incomplete tran...
by Christine_NM
Fri Sep 23, 2016 1:34 pm
Forum: Personal Consumer Issues
Topic: Trader Joe's Fans - good value?
Replies: 91
Views: 7242

Re: Trader Joe's Fans - good value?

I buy most food items at TJ -- it is just down the street a couple of blocks. My frozen favorites are: Trader Jacques wild salmon dinner Trader Jacques cod provencal dinner Black bean taquitos Chile relleno -- not as good as DIY, but a lot easier Orange glazed chicken Deli favorites: Havarti sliced ...
by Christine_NM
Fri Sep 23, 2016 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Is this IRA allocation for 30 yr old a good allocation?
Replies: 9
Views: 645

Re: Is this IRA allocation for 30 yr old a good allocation?

FFNOX with maybe 5% FREL if she wants a bit of extra work.

Every other multi-fund option requires a lot of rebalancing, transferring of funds, etc. all to own basically the same stocks and bonds.

FFNOX.
by Christine_NM
Thu Sep 22, 2016 2:28 pm
Forum: Investing - Theory, News & General
Topic: Help understanding the attraction to W & W [Wellington/Wellesley]
Replies: 38
Views: 3846

Re: Help understanding the attraction to W & W [Wellington/Wellesley]

Tom - W & W never got sucked into the international "fad" which began with the Japan bubble in the 80s. TRP Balanced has 23% international stock so it will show lagging returns in the recent past compared to any low-cost US balanced fund. I think you are really asking if you should hol...
by Christine_NM
Thu Sep 22, 2016 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: "Women and Investing" class offered by Employer
Replies: 84
Views: 5805

Re: "Women and Investing" class offered by Employer

Women participate in 401(k)s at lower rates than men do, and when they do participate, they tend to contribute less. Do you mean women "contribute a lower percentage of salary per year to their 401k" or "contribute fewer dollars over the course of their careers"? Does anyone com...
by Christine_NM
Mon Sep 19, 2016 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone accidentally tell a friend about your inheritance?
Replies: 83
Views: 9077

Re: Anyone accidentally tell a friend about your inheritance?

OP, if that is the worst thing that ever happens while you are drinking, you will be very lucky. Maybe you can limit phone use at these times to calling for a ride home? If I did this and later on the friend started mentioning money and things that cost money, I'd just shrug, say nothing, and look a...
by Christine_NM
Fri Sep 16, 2016 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Lending money to son
Replies: 21
Views: 1953

Re: Lending money to son

Tell him when you give him the last installment of 50k. Say how good you feel that this will be the last "student loan" and do not leave the door open for more requests. Congratulate him on not being dependent on you anymore. Make it sound like a good thing. You certainly have gone above a...
by Christine_NM
Fri Sep 16, 2016 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Considering a 20% swing in my asset allocation
Replies: 41
Views: 2956

Re: Considering a 20% swing in my asset allocation

Dave - I did similar thing over past 2 years, but from 35% to 50% stock. Now it is 54%. Per what I imagine the Pfau article says, I bought an annuity with a bond fund. The simple disappearance of the bond fund changed my AA to 50%, so yes, there is a blurry line between assets and income. Now that I...
by Christine_NM
Thu Sep 15, 2016 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: First post. 31 yr old with two Roths, 401K, and 403B. Some help please!
Replies: 29
Views: 1672

Re: First post. 31 yr old with two Roths, 401K, and 403B. Some help please!

I have 13K to play with, so thought of buying 10k for the 500 index and 3K for the Bond fund. The 500 index has an expense ratio of .09, and bond fund has .15. Once I accrue more money I figure I can buy into the premium funds which have a lower ER. Does this seem like a reasonable solution to bypa...
by Christine_NM
Thu Sep 15, 2016 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: First post. 31 yr old with two Roths, 401K, and 403B. Some help please!
Replies: 29
Views: 1672

Re: First post. 31 yr old with two Roths, 401K, and 403B. Some help please!

I did find a Fidelity Freedom Index 2050 target fund with expense ratio of .24, which seems to mimic the fund I have now, You want this one, Fidelity Freedom INDEX 2050 target fund. I have no overall financial plan to offer but I do know the difference between the active-management, more expensive ...
by Christine_NM
Mon Sep 12, 2016 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone else feeling courageous enough to buy today?
Replies: 90
Views: 6469

Re: Is anyone else feeling courageous enough to buy today?

shake - I've been doing a little trial and error since 1977, and I learned that it is always a good day to buy the S&P 500, and maybe even better to buy TSM. Maybe 2008 was an exception unless you were just beginning, I'll give you that. Nobody earned money with cash and a wish list. Go for it,...
by Christine_NM
Mon Sep 12, 2016 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone else feeling courageous enough to buy today?
Replies: 90
Views: 6469

Re: Is anyone else feeling courageous enough to buy today?

shake - I've been doing a little trial and error since 1977, and I learned that it is always a good day to buy the S&P 500, and maybe even better to buy TSM. Maybe 2008 was an exception unless you were just beginning, I'll give you that. Nobody earned money with cash and a wish list. Go for it, ...
by Christine_NM
Mon Sep 12, 2016 11:00 am
Forum: Personal Consumer Issues
Topic: Replacement Brush Heads for Oral B Electric Toothbrush
Replies: 11
Views: 963

Re: Replacement Brush Heads for Oral B Electric Toothbrush

I tried Walgreen's brand for oral b but it was not as smooth a fit as brand-name oral b, which are ridiculously expensive but now I buy them anyway. Never had one loosen while brushing though.
by Christine_NM
Sat Sep 10, 2016 12:38 pm
Forum: Investing - Theory, News & General
Topic: Those with negative yields on international bonds take heart
Replies: 69
Views: 5090

Re: Those with negative yields on international bonds take heart

Thanks for an interesting topic. Y It appears that a fund could hedge currencies or hedge interest rates, but one hedge will not reliably cover both risks. The blurb in International Bond's Overview page says the fund hedges currencies and the expected performance should match the underlying intl bo...
by Christine_NM
Thu Sep 01, 2016 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Oops - Enrolled in Medicare While Still in HSA, Need to Unenroll
Replies: 23
Views: 1589

Re: Oops - Enrolled in Medicare While Still in HSA, Need to Unenroll

Thank you - this publication refers to Medicare "B" - do you think the same requirement applies to "A"? SLS I did not see anything about detaching yourself from Part A in the FAQ. I should think that would be even more unusual and more difficult than the optional Part B. Therefo...
by Christine_NM
Thu Sep 01, 2016 10:22 am
Forum: Investing - Theory, News & General
Topic: Why is mid-cap "the sweet spot"?
Replies: 15
Views: 1897

Re: Why is mid-cap "the sweet spot"?

Midcaps look similar to small on a chart, but the question is why. sreynard is right about pre-internet investing, but now that we have etfs there is no neglected corner of the market. Let's face it, when the market goes down seriously, all caps fall together. That is the meaning of crash. The risk ...
by Christine_NM
Thu Sep 01, 2016 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Oops - Enrolled in Medicare While Still in HSA, Need to Unenroll
Replies: 23
Views: 1589

Re: Oops - Enrolled in Medicare While Still in HSA, Need to Unenroll

Here is SSA FAQ on the subject:

https://faq.ssa.gov/link/portal/34011/3 ... -insurance

In brief, make a phone appointment with SSA as described or visit an SSA office.
by Christine_NM
Wed Aug 31, 2016 12:23 pm
Forum: Investing - Theory, News & General
Topic: Why is mid-cap "the sweet spot"?
Replies: 15
Views: 1897

Re: Why is mid-cap "the sweet spot"?

^^^ Thanks for the official numbers, esp. SD. I formed my impression by days that I happen to compare index values over the years, not by monthly or annualized SDs. I hope it will be a long time before the world gives up on large and small and overbuys midcaps.
by Christine_NM
Wed Aug 31, 2016 10:26 am
Forum: Investing - Theory, News & General
Topic: Why is mid-cap "the sweet spot"?
Replies: 15
Views: 1897

Re: Why is mid-cap "the sweet spot"?

My Roth is 100% midcap blend. I like VIMAX because there is less volatility than small caps, which have long periods of underperformance, and also less volatility than the S&P 500, which is a yoyo responding to constant news and noise. Usually lower volatility means less return, but iirc with mi...
by Christine_NM
Sat Aug 27, 2016 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: $50M+ - Need a sounding board/advice
Replies: 205
Views: 22028

Re: $50M+ - Need a sounding board/advice

Do you think the ERs will stay low with Fidelity or is this a chance for them to buy up market share and then increase fees? Dunno, but with Vanguard I do not even have to ask this question. For you it is not either/or. Try Fidelity, Vanguard and Schwab and get rid of any you don't like. edited to ...
by Christine_NM
Fri Aug 26, 2016 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Fear and Trembling (Aug. 31st is my last day at work)
Replies: 77
Views: 9309

Re: Fear and Trembling (Aug. 31st is my last day at work)

SLS - You mention considering 45/45/10. That works for me in retirement. What really matters is the 45% equity -- the other 55% is any combination of cash and bonds. The sun will rise on September 1. You will be the same person you have been, but perhaps with fewer easy chances to show who that is. ...
by Christine_NM
Thu Aug 25, 2016 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Are Vanguard Personal Advisory Services worth the extra %?
Replies: 31
Views: 3014

Re: Are Vanguard Personal Advisory Services worth the extra %?

Looking at your portfolio, one way to eliminate PAS and not give yourself any additional responsibilities as far as the taxable account goes would be to change it to: 24% International fund (what you have) 76% Tax Managed Balanced fund (50% US stock/50% muni bonds). No need to ever look at it again....
by Christine_NM
Fri Aug 19, 2016 3:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3145
Views: 737213

Re: U.S. stocks in freefall

The quandl chart is inflation-adjusted earnings. Price of course was a different story in 1929.
by Christine_NM
Fri Aug 19, 2016 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review ?
Replies: 23
Views: 2133

Re: Portfolio Review ?

The 25% international should be divided into hedged and unhedged. That is, hold both Global Min Vol and Total International. The proportion is largely a matter of opinion. Having two bond funds is a good idea, but those are not the two I would pick. When you say 25% international, are you talking a...
by Christine_NM
Thu Aug 18, 2016 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Can I rollover funds from DB to an Index Fund?
Replies: 3
Views: 277

Re: Can I rollover funds from DB to an Index Fund?

I can see how the terms might be confusing. But an "index fund" is a mutual fund that follows an index. So yes, you can rollover to an appropriate type of account, and inside that account you can hold an index mutual fund. Give the advisor another chance (I do not often say that) because i...
by Christine_NM
Thu Aug 18, 2016 12:36 pm
Forum: Personal Consumer Issues
Topic: Identity Theft...be proactive, don't panic
Replies: 10
Views: 1190

Re: Identity Theft...be proactive, don't panic

Very good advice. I had identity theft back in 2013. Won't go into the details now but I filed a police report and the prosecutor took on this case. It was stolen credit card access checks. I wound up testifying before a jury panel. The crook had to do restitution. Dumb question, slightly OT: is th...
by Christine_NM
Wed Aug 17, 2016 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Help. My boss is expecting me to read her mind.
Replies: 53
Views: 3511

Re: Help. My boss is expecting me to read her mind.

Yes, she told me I should reject the invoice and have the employee spell out EMC That is plain wrong on her part. Sometimes bosses make mistakes. We are all going through an acronym invasion that is changing the language. Most of the time it does not matter but it happens to affect your job. For tr...
by Christine_NM
Mon Aug 15, 2016 4:15 pm
Forum: Personal Consumer Issues
Topic: Request for recommendations: English Mystery TV series
Replies: 82
Views: 4560

Re: Request for recommendations: English Mystery TV series

I really enjoyed "Happy Valley" and "Last Tango in Halifax" with Sarah Lancashire. burt I wouldn't consider Last Tango in Halifax a mystery series by any stretch of the imagination. Tango is a darn good show, even without dead bodies (except for the one). I was wondering whether...
by Christine_NM
Sat Aug 13, 2016 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review ?
Replies: 23
Views: 2133

Re: Portfolio Review ?

The 25% international should be divided into hedged and unhedged. That is, hold both Global Min Vol and Total International. The proportion is largely a matter of opinion.

Having two bond funds is a good idea, but those are not the two I would pick.
by Christine_NM
Wed Aug 10, 2016 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Mom wants to invest large sums into CD
Replies: 39
Views: 3710

Re: Mom wants to invest large sums into CD

What would I do? I have $1M in taxable Balanced Index so that is what I did, gradually, not lump sum. But my Mother liked T bills and CDs and savings accounts, only 25% of her portfolio was in stock funds. What you or I would do is not right for our mothers. Yes, a local low cost adviser who can exp...
by Christine_NM
Tue Aug 09, 2016 1:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - why don't I 'feel' good about them?
Replies: 36
Views: 3595

Re: Vanguard - why don't I 'feel' good about them?

I want to embrace Vanguard, I really do. Help me to do so! HAHA I think you want to stay at Fidelity. No big deal. Stay. If you want something else to think about, think how your behavior is influenced by feel-good brand names. Anyone can save a lot of money, lots more than one basis point of ER, b...
by Christine_NM
Sat Aug 06, 2016 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 13791

Re: SSA MANDATORY cell phone based multifactor authentication

Took 60 Seconds to have text sent. Good To Go. I like the new security feature :sharebeer It's not a security feature, since it adds no security. This is what I am wondering. I have not added 2FA to my Vanguard login but now that I have a Google Voice number I guess I could. (No cell phone. Tried i...
by Christine_NM
Fri Aug 05, 2016 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell taxable account?
Replies: 6
Views: 764

Re: Should I sell taxable account?

Cap gains rate may not always be zero for 15% income tax bracket. Sell FT while you can do it tax-free and put the proceeds into Roths, also tax-free. Your grandfather would want you to do this. :happy
by Christine_NM
Fri Aug 05, 2016 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell taxable account?
Replies: 6
Views: 764

Re: Should I sell taxable account?

I would cash out the FT fund and add to the emergency fund for now. When you are settled and do not need the emergency fund, do the Roth contributions for this year. You have until April 2017 I believe. With any luck you can make the 2017 contributions early. It is nice to make early Roth contributi...
by Christine_NM
Tue Aug 02, 2016 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 13791

Re: SSA MANDATORY cell phone based multifactor authentication

z -

The forwarding-to-email step is really not necessary anyway. The SSA text message with the login code shows up in your Google Voice inbox. Sending it to a desired email account is an extra convenience.
by Christine_NM
Tue Aug 02, 2016 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 13791

Re: SSA MANDATORY cell phone based multifactor authentication

zaplunken -

Go to Settings (gear-wheel icon in upper right of Google Voice) to edit your options and substitute a different email account. GL
by Christine_NM
Mon Aug 01, 2016 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable Gift Annuity Higher Payments Than Standard Annuity
Replies: 10
Views: 525

Re: Charitable Gift Annuity Higher Payments Than Standard Annuity

Dodec - No, not that one. I will put guessers out of their misery -- it's Smith College. Slightly larger than Wellesley (more alumnae, more funding). Our 2015 bond issue rating was Aa1 -- have no idea what it was before that. Yes it is important not to expect to fund one's whole retirement with a gi...
by Christine_NM
Mon Aug 01, 2016 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable Gift Annuity Higher Payments Than Standard Annuity
Replies: 10
Views: 525

Re: Charitable Gift Annuity Higher Payments Than Standard Annuity

Dan - I get $20,900 per year in annuity payments from my alma mater. Of course I gave them more than they will ever give me, and some of the annuity I give back as a regular donation. Big tax breaks tho. The funny thing was, the Moody's rating, also Aa1, said it was that high mainly because of large...
by Christine_NM
Sat Jul 30, 2016 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 13791

Re: SSA MANDATORY cell phone based multifactor authentication

Thx mptfan, I now have a google voice number that will send any text messages to my usual email account. So now I just give SSA the GV number as my cell phone number and I will get the login code? We shall see. I tried to logon to my Social Security on today, July 30, and evidently the two-factor a...
by Christine_NM
Sat Jul 30, 2016 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in 6 months ...Why should I pay $13,500/year to a Financial Advisor?
Replies: 43
Views: 4741

Re: Retiring in 6 months ...Why should I pay $13,500/year to a Financial Advisor?

I went to an advisor at my credit union for a portfolio review once before retirement to confirm that I would NOT work well with an advisor. My suspicions were confirmed. It is a great luxury and well worth $400 to have a CPA do my taxes every year. Otherwise I stick with what I know and a minimal n...
by Christine_NM
Sat Jul 30, 2016 10:03 am
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 13791

Re: SSA MANDATORY cell phone based multifactor authentication

I don't see how this can stand given the there are those that use web but don't have a cell phone. You don't need a cell phone to get texts, you just need a phone number and and internet connection. You can get a google voice number for free and get texts over the web, or have the texts sent direct...
by Christine_NM
Fri Jul 29, 2016 6:23 pm
Forum: Personal Consumer Issues
Topic: Never owned a cell phone.
Replies: 41
Views: 2049

Re: Never owned a cell phone.

The annoying part is that it's a phone but you have to have a text phone, not just any cell phone. Curmudgeon/luddite signing off now.. Wait... What does "text phone" mean? The most basic throwaway prepaid flip phone can send and receive text messages. Not sure that there is any cellphone...
by Christine_NM
Fri Jul 29, 2016 6:06 pm
Forum: Personal Consumer Issues
Topic: Never owned a cell phone.
Replies: 41
Views: 2049

Re: Never owned a cell phone.

drk- The news release about cell phones and SSA said that other methods of 2 factor authentication would be coming later on. I take this to mean e-mail or landline. I do not really need my online SSA account so I am waiting for other means of receiving a login code. Like you I have never had a cell ...
by Christine_NM
Thu Jul 28, 2016 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: 100 % Wellesley Admiral (VWIAX)?
Replies: 35
Views: 4163

Re: 100 % Wellesley Admiral (VWIAX)?

dbr - thanks for the reply. What I wrote could be confusing because of my own confusion in how to think about RMDs taken from Wellesley, either by sale of shares or by dripping distributions into a money market fund. Of course the effect is the same either way, I am reducing my stake in Wellesley. L...

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