Search found 2359 matches

by Christine_NM
Mon Jan 09, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Turned 30! Women's advice for skin care??
Replies: 60
Views: 2795

Re: Turned 30! Women's advice for skin care??

Another sunscreen tip is to apply not just to face but to the whole neck. Little precancerous lesions tend to appear much later than age 30 on the top of the forehead, nose, and the neck, where there is fullest sun exposure. This is not a big deal if you go to a dermatologist promptly when you see s...
by Christine_NM
Sat Jan 07, 2017 5:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard International Index Returns
Replies: 20
Views: 2787

Re: Vanguard International Index Returns

If you have a really long time horizon just leave your international on the table and ignore it. The dollar will weaken eventually and VTIAX will have a moment in the sun. I do not see a need to sell it. Recently I saw an interview where Mr. Bogle said you the investor should decide for yourself wha...
by Christine_NM
Fri Jan 06, 2017 5:27 pm
Forum: Investing - Theory, News & General
Topic: I am timing the market. Why am I wrong?
Replies: 89
Views: 5684

Re: I am timing the market. Why am I wrong?

I do not see any mention yet of asset allocation (OK, I see Crow Hunter just above). The market is not a swimming pool that you jump into and then climb out of. If you keep a mix of stocks, bonds, and cash reserves then you will not be so terrified of being wrong and worried about what is right. App...
by Christine_NM
Tue Jan 03, 2017 8:21 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1272
Views: 204660

Re: What are you up YTD? [Year To Date]

For 2016 up 9.0% according to Vanguard Personal Performance

AA ex cash:

54% US stocks
46% US bonds
by Christine_NM
Sat Dec 31, 2016 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Composition of Vanguard Total International Bond Index Fund Admiral Shares Report
Replies: 5
Views: 504

Re: Composition of Vanguard Total International Bond Index Fund Admiral Shares Report

I've looked for this information but not found a specific ratio of gov/corp in International Bond. Browsing the total holdings link, which is under the Portfolio and Management tab, it looks like there is plenty of both. No doubt the exact ratio varies within some unknown range. This is yet another ...
by Christine_NM
Tue Dec 27, 2016 12:35 pm
Forum: Investing - Theory, News & General
Topic: Should individual bonds be held close to retirement?
Replies: 33
Views: 1806

Re: Should individual bonds be held close to retirement?

One issue with individual bonds is that when a bond matures and you have received all your principal and interest, you now must invest the principal in a new bond which will have a different interest rate. If you got a good deal on an individual bond in a high-rate environment you will probably not ...
by Christine_NM
Wed Dec 07, 2016 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Starting Mom's IRA at Age 70 - Advice?
Replies: 15
Views: 1772

Re: Starting Mom's IRA at Age 70 - Advice?

1. Is there a better option than an IRA, where she would start taking minimum withdrawals next year? Not that I know of. A traditional IRA with RMDs sounds ideal given her desire (but not urgent need) for a little more income. I would keep to the RMD schedule and not withdraw more for spending, or ...
by Christine_NM
Mon Dec 05, 2016 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement with $8M in investments
Replies: 164
Views: 18983

Re: Retirement with $8M in investments

To those of you suggesting the OP move to some backwoods place... stop. Most people who live in Silicon Valley do so for a reason. I lived there. They are quite unlikely to just pick up and move to a "cheap" area as it doesn't align with their values.. Sorry the rest of the U.S. Is not ba...
by Christine_NM
Thu Dec 01, 2016 12:06 am
Forum: Investing - Help with Personal Investments
Topic: New Investor's Late to Retirement Portfolio Help
Replies: 15
Views: 1057

Re: New Investor's Late to Retirement Portfolio Help

Questions: 1. His 401k: Would a State Street Target Fund be better than the bond funds? Less E/R and good performance? I know that the Bonds help diversify and reduce volatility but the Target funds have bonds, just not sure. Any wisdom on selection of 401k funds and allocations is greatly apprecia...
by Christine_NM
Mon Nov 28, 2016 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Why does the car dealer say leasing is cheaper than buying?
Replies: 72
Views: 7389

Re: Why does the car dealer say leasing is cheaper than buying?

Interesting. I did my first car lease this month. Traded in my 15 yr old Corolla ($1000!) for a 3-yr lease on a 2017 Camry. I do not drive much so did not want to pay $25K cash up front, or even 0% loan. In 3 years, or 6 or 9, I may not even want to drive anymore. Good point. I never really conside...
by Christine_NM
Mon Nov 28, 2016 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Why does the car dealer say leasing is cheaper than buying?
Replies: 72
Views: 7389

Re: Why does the car dealer say leasing is cheaper than buying?

I still am wondering a lot things about leasing myself, not financial, but for instance what happens if I get pulled over and have no registration, just a lease agreement to show the cop. Not likely to happen, so I guess I'll never know. I don't know about New Mexico, but in pretty much all of the ...
by Christine_NM
Sun Nov 27, 2016 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Why does the car dealer say leasing is cheaper than buying?
Replies: 72
Views: 7389

Re: Why does the car dealer say leasing is cheaper than buying?

Dottie - There is no balloon payment on the lease as such, but there is a $350 fee for not renewing the lease. I think I get out of that if I get a new lease on a new car in 3 years. I still am wondering a lot things about leasing myself, not financial, but for instance what happens if I get pulled ...
by Christine_NM
Sun Nov 27, 2016 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Why does the car dealer say leasing is cheaper than buying?
Replies: 72
Views: 7389

Re: Why does the car dealer say leasing is cheaper than buying?

Interesting. I did my first car lease this month. Traded in my 15 yr old Corolla ($1000!) for a 3-yr lease on a 2017 Camry. I do not drive much so did not want to pay $25K cash up front, or even 0% loan. In 3 years, or 6 or 9, I may not even want to drive anymore. My car is certainly not a big part ...
by Christine_NM
Thu Nov 24, 2016 8:57 pm
Forum: Investing - Theory, News & General
Topic: What is the unknowability of the market?
Replies: 30
Views: 1987

Re: What is the unknowability of the market?

I took up nisi's challenge to find an equivalent chart for bonds like 2008. The bond market massacre of 1994 immediately occurred to me, but it turns out that the chart is not what is important. When rates (yields) rise bond prices fall as we all know. That is not important if stocks hold up. In 199...
by Christine_NM
Tue Nov 22, 2016 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: I just fired my son - trying to teach about hard work and money
Replies: 37
Views: 4101

Re: I just fired my son - trying to teach about hard work and money

I don't think you fired him. He quit the only way he knew how, by misbehaving. Give him other ways to make money.
by Christine_NM
Tue Nov 15, 2016 10:57 pm
Forum: Personal Consumer Issues
Topic: Liver
Replies: 43
Views: 4894

Re: Liver

I like to think that if the liver is from a very young animal, such as calves' liver, it probably is OK for contaminants. I won't eat beef liver, the taste is too strong. Calves' liver (rare) and onions is delish.
by Christine_NM
Sat Nov 12, 2016 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Wealthy aunt is willing to allow me borrow $$ for medical school. How to best approach this?
Replies: 70
Views: 7510

Re: Wealthy aunt is willing to allow me borrow $$ for medical school. How to best approach this?

I would recommend that your aunt give you a one time or annual gift rather than you becoming her debtor. When someone makes an offer like this (details not decided yet, but it's a loan), you really can't say no but I'll take a gift with no strings. At least I would not. Disability or no, you have t...
by Christine_NM
Sat Nov 12, 2016 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Wealthy aunt is willing to allow me borrow $$ for medical school. How to best approach this?
Replies: 70
Views: 7510

Re: Wealthy aunt is willing to allow me borrow $$ for medical school. How to best approach this?

Thanks but no thanks. If she's so wealthy, she could offer to pay for you. "Lending with no interest" sounds like you'll be on call for a lot of "favors" as long as you are paying her back. I see it the opposite way. Giving with no repayment might result in favors expected. A lo...
by Christine_NM
Tue Oct 25, 2016 1:49 pm
Forum: Investing - Theory, News & General
Topic: A better measure of retirement security
Replies: 13
Views: 3092

Re: A better measure of retirement security

The average retiree begins with much less than a million. Those who do have a million (or three!) could spend quite a bit early on and still remain above average. You are giving the conventional wisdom that I object to. I am disagreeing after living out those first 10 retirement years. "Remain...
by Christine_NM
Mon Oct 24, 2016 2:10 pm
Forum: Investing - Theory, News & General
Topic: A better measure of retirement security
Replies: 13
Views: 3092

Re: A better measure of retirement security

An important takeaway of the best measure of retirement security ... but rather long-term real bonds that are duration matched to your targeted stream of retirement income. BobK With LMP I'd say the real risk is failure to recognize the large size of future need. This can be due to longevity, infla...
by Christine_NM
Sun Oct 23, 2016 3:19 pm
Forum: Investing - Theory, News & General
Topic: Who disagrees with Jack. . .
Replies: 73
Views: 5835

Re: Who disagrees with Jack. . .

APB wrote:Just international equity exposure. I believe in weighting globally over a US only portfolio.


Gives new meaning to the expression, "Go big or go home". I think I believe in either global or all-US, not sure.
by Christine_NM
Sun Oct 23, 2016 2:31 pm
Forum: Investing - Theory, News & General
Topic: Who disagrees with Jack. . .
Replies: 73
Views: 5835

Re: Who disagrees with Jack. . .

I am still going with Mr. Bogle's first book, Bogle on Mutual Funds (1994). See page 240 in 1994 edition for suggested portfolios, from complex (8 fund) to ultra simple (1 fund). The idea that I worked all this out for myself and find that I agree with the book is, how shall I say, ludicrous and abs...
by Christine_NM
Thu Oct 20, 2016 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: When have you given enough?
Replies: 65
Views: 5410

Re: When have you given enough?

Everyone will be different on this. There's no right or wrong answer. I do not see what my giving could possibly have to do with your taking a cruise or giving more to kids. I will say that my Mom just waited till she was a widow and then started gifting me cash. So don't worry, the kids will eventu...
by Christine_NM
Tue Oct 18, 2016 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating proposal from financial planner for parent
Replies: 37
Views: 2848

Re: Evaluating proposal from financial planner for parent

But I'd been telling them for years how overexposed to equities they are, and I'd always just get a shrug. Even with just Mom now, she can make a statement like,"I just don't know what to do!", to which I'll respond,"Well, you should consider doing x, y, and z..", to which she'l...
by Christine_NM
Thu Oct 13, 2016 5:22 pm
Forum: Investing - Theory, News & General
Topic: Retirees: Where are you going for income?
Replies: 102
Views: 15108

Re: Retirees: Where are you going for income?

Highest to lowest amount of income: 1. RMD 2. pension 3. charitable gift annuities (6.1% total yield -- earlier ones yield 8.9%, latest one yields 5.5%) 4. taxable fund distributions taken in cash (2% yield) 5. Social Security started at 62 (early SS makes #1 and #4 larger than they would have been ...
by Christine_NM
Wed Oct 12, 2016 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking portfolio advice with Vanguard funds
Replies: 12
Views: 1433

Re: Seeking portfolio advice with Vanguard funds

OP's recommended allocation is the same as Lifestrategy Conservative Growth fund of funds. It would certainly be better than the sector-picking strategy OP has used in the past. But until you are 50 or so bump it up to Lifestrategy Moderate Growth unless there is some overwhelming and relevant reaso...
by Christine_NM
Tue Oct 11, 2016 12:07 am
Forum: Investing - Help with Personal Investments
Topic: Help with My Mom's Portfolio
Replies: 12
Views: 1230

Re: Help with My Mom's Portfolio

DFFGX is very short and economical. Neither one is going to generate huge gains, but DFFGX actually has a higher 5 year return so I would switch everything to that. Jeremy - I would keep FMFIX for now and just be aware of DFFGX as a possible alternative in the future. It is doing better than DFFGX ...
by Christine_NM
Sun Oct 09, 2016 10:55 am
Forum: Personal Consumer Issues
Topic: Controlling high blood pressure
Replies: 16
Views: 1214

Re: Controlling high blood pressure

Is BP elevated at home or only in doctor's office (white-coat hypertension)?
by Christine_NM
Sat Oct 08, 2016 6:20 pm
Forum: Personal Consumer Issues
Topic: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"
Replies: 109
Views: 13673

Re: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"

Say that if Lands End suits are good enough for David Boies, they are good enough for you. Even he takes a lot of flak for those suits so do not feel singled out. Set a schedule for new car purchases (10 years or whatever) so you don't go overboard on transportation. I found that if you have a few w...
by Christine_NM
Wed Oct 05, 2016 8:53 pm
Forum: Investing - Theory, News & General
Topic: [WSJ] Shiller’s Powerful Market Indicator Is Sending a False Signal About Stocks This Time
Replies: 28
Views: 1245

Re: [WSJ] Shiller’s Powerful Market Indicator Is Sending a False Signal About Stocks This Time

And over the past 50-odd years, he couldn’t find a single way he could make CAPE beat a simple buy-and-hold strategy.


I take it he has not found any other single indicator that beats B&H either? Or is he not saying?
by Christine_NM
Sun Oct 02, 2016 11:09 am
Forum: Investing - Help with Personal Investments
Topic: I need help to start
Replies: 16
Views: 1603

Re: I need help to start

Pika - I saw a video of Mr Bogle recently where he basically punted as far as giving specific us/developed/emerging allocation advice. You will have to figure out what makes sense to you, so you will know why you own what you do. We all have our different reasons and our different allocations. All w...
by Christine_NM
Sat Oct 01, 2016 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: I need help to start
Replies: 16
Views: 1603

Re: I need help to start

You are busy? (liada) With other things? Wait until you can give this the attention it deserves. Or if you mean busy trying to figure this out, then OK, carry on. Keep the 70000 invested. Move it to ETFs. Do you know what you want your asset allocation will be? DCA (or ECA for euro cost average) the...
by Christine_NM
Tue Sep 27, 2016 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Vanguard Management
Replies: 21
Views: 2281

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: 21
Views: 2281

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: 3374

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: 1802

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: 1802

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: 1802

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: 5550

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: 8265

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: 765

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: 4301

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: 6538

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: 9811

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: 2194

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: 3359

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: 1885

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: 1885

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: 7042

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,...

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