Search found 2273 matches

by Christine_NM
Mon Jul 25, 2016 9:48 am
Forum: Personal Finance (Not Investing)
Topic: House value vs Net worth %?
Replies: 12
Views: 1100

Re: House value vs Net worth %?

I wrote: Cash poor would imply a low value of house. Celia wrote: I think "cash poor" means you don't have much cash for your living expenses. It is all tied up in a house/business/or you are broke. My mistake. I meant to write "House poor implies a low value of house." Edited p...
by Christine_NM
Sat Jul 23, 2016 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Dollar Cost Averaging versus Lump Sum Investing
Replies: 7
Views: 311

Re: Dollar Cost Averaging versus Lump Sum Investing

Marty - As I read it, you are moving money but not receiving a new lump sum. When moving money is already invested, the usual advice is to keep it allocated as it was, or if you want to tweak the allocation a little, then do so. But this is not like investing new money so it is not a lump sum. Stay ...
by Christine_NM
Fri Jul 22, 2016 10:39 am
Forum: Investing - Help with Personal Investments
Topic: USA vs. International Stock Index PERFORMANCE. Please reassure Me!
Replies: 25
Views: 1938

Re: USA vs. International Stock Index PERFORMANCE. Please reassure Me!

Mike - It is not an all-or-nothing choice. Rather than put 32% into Total Intl now, try 15-16% and it will be less traumatic if intl continues down or flat, yet if it outperforms you will still be participating. Don't rebalance until VTIAX earns its way up to 32% or whatever you decide is your maxim...
by Christine_NM
Thu Jul 21, 2016 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Why Not Wellesley?
Replies: 14
Views: 1597

Re: Why Not Wellesley?

With all the discussion about Wellesley recently, I used Portfolio Visualizer to find a group of index funds that matched the risk and return of Wellesley. The first match I found was: 40% 500 Index (VFINX) 35% Long Bond Index (VBLTX) 25% Intermediate Bond Index (VBIIX) 40% Total Stock worked too bu...
by Christine_NM
Thu Jul 21, 2016 12:40 am
Forum: Investing - Help with Personal Investments
Topic: 30% Wellesley combined with 3 Fund Portfolio advice
Replies: 6
Views: 895

Re: 30% Wellesley combined with 3 Fund Portfolio advice

I have a similar portfolio with 38% Wellesley for similar reasons. I have considered a Treasury fund several times but so far resisted. It's important to know that Wellesley bond holdings are already nearly 20% Treasury (18 point something). Like you I have used short term bond funds for short term ...
by Christine_NM
Wed Jul 20, 2016 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Replicating vanguard Total International index with Fidelity 403b
Replies: 6
Views: 229

Re: Replicating vanguard Total International index with Fidelity 403b

You have FSMAX listed twice. What is the real third ticker? I am not sure, but Google tells me that FSMAX is a US extended market index, not international. So far I'd say just use your lowest-cost international index fund. Be sure you know the difference between extended market and emerging market. ...
by Christine_NM
Wed Jul 20, 2016 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity beats Vanguard in ER
Replies: 30
Views: 2673

Re: Fidelity beats Vanguard in ER

I would like to see a price tag for Fidelity and Vanguard's UI -- a user expense ratio. Then I will know which I like better. I've used both and I was a UI developer for almost 30 years (anybody remember Motif?). I can understand the visual appeal of Fidelity over Vanguard but when you think of a UI...
by Christine_NM
Mon Jul 18, 2016 10:45 am
Forum: Personal Finance (Not Investing)
Topic: The Savings Gap Between Women and Men: What Is Your Plan?
Replies: 46
Views: 3958

Re: The Savings Gap Between Women and Men: What Is Your Plan?

I wrote a reply about my experience but am wary of starting a women vs. men thing. Apparently Fidelity has no such reservations. I'll just say the obvious, do the best you can with the hand you are dealt. With any luck at all you will succeed beyond your wildest dreams of avarice, even if you are 45...
by Christine_NM
Sun Jul 17, 2016 12:57 pm
Forum: Investing - Theory, News & General
Topic: Fidelity four-in-one index fund lower ER, invest everything in it?
Replies: 27
Views: 2347

Re: Fidelity four-in-one index fund lower ER, invest everything in it?

I invest with Fidelity and am 100% in their total stock market index fund through my retirement accounts (Roth IRA and Roth 403b). I'm a 27 year old man with no dependents and roughly $30k in my retirement accounts. I'm not comfortable staying 100% equities so was thinking of diversifying. With the...
by Christine_NM
Tue Jul 12, 2016 4:43 pm
Forum: Personal Consumer Issues
Topic: Hiking questions
Replies: 154
Views: 7746

Re: Hiking questions

With new boots or shoes, tape up vulnerable areas of feet with bandaids or moleskin before you start a hike to prevent blisters and general agony. Take extra moleskin with you in case you miss a spot. I find boots too heavy for day hikes but for more than one day they are best. Boots do protect bett...
by Christine_NM
Tue Jul 12, 2016 1:14 pm
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 140
Views: 12727

Re: Are you going to shop on Prime Day?

I bought some thumb-hole tops and infinity scarves I'd been wanting to try. An impulse, but once I think about buying something it is just a matter of time. Fortunately I do not have expensive tastes. Got free shipping but have not been tempted to pay for Prime membership yet.
by Christine_NM
Mon Jul 11, 2016 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Daring to figure it out for myself .. mind numbing pension post
Replies: 17
Views: 2827

Re: Daring to figure it out for myself .. mind numbing pension post

CL - My company saved me all that thinking. I get a monthly pension, period. There was no lump sum option. All I had to do was work till the day the pension covered most basic costs and my savings had reached my "number", then I put in for retirement. It worked out well and the pension sti...
by Christine_NM
Mon Jul 11, 2016 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have any retiree healthcare benefit from your employer?
Replies: 76
Views: 3660

Re: Do you have any retiree healthcare benefit from your employer?

My employer pays a percentage of my healthcare premiums. How much is paid depends on the years of service. For me, I retired at 61 and paid 25% of the full premium of pre-Medicare insurance. Now I pay 25% of the premium for a Medicare Advantage plan, $40/ month Of course Medicare Advantage requires ...
by Christine_NM
Mon Jul 11, 2016 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Balanced Index & Total Market Stocks & Bonds
Replies: 7
Views: 515

Re: Balanced Index & Total Market Stocks & Bonds

What backtesting? I see a difference on portfolio visualizer that switches with how often you rebalance the two-fund portfolio. It gets a slight benefit from annual rebalancing, but loses to Balanced Index with monthly rebalancing. This difference begins in 2009 with very low interest rates and high...
by Christine_NM
Sun Jul 10, 2016 4:33 pm
Forum: Investing - Theory, News & General
Topic: Long term bond performance question
Replies: 9
Views: 899

Re: Long term bond performance question

I have been reading about bonds and learning more as I go, although so far the nitty-gritty seems more complex than stocks, especially when it comes to bond "funds" over individual bonds. But can someone explain - hopefully in simple terms - how the recent performance of Long term bonds i...
by Christine_NM
Sun Jul 10, 2016 1:21 pm
Forum: Personal Consumer Issues
Topic: Email compromised: How serious?
Replies: 45
Views: 3093

Re: Email compromised: How serious?

I don't know if livesoft is suggesting that haveibeenpwned is not reliable, but FWIW haveibeenpwned and MyIDCare (gov data breach like VictoriaF''s) both indicate my email address is secure. Well, at least until it isn't, which is the best I can hope for. :wink: ETA - I've received LinkedIn invitati...
by Christine_NM
Sat Jul 09, 2016 12:47 pm
Forum: Investing - Theory, News & General
Topic: Bayesian market predictions?
Replies: 75
Views: 3927

Re: Bayesian market predictions?

I have a problem with the first step, Identify potential critical events and their probabilities of happening. We can identify some events and assign probabilities. But we can't identify all events that might happen. So we plan for one event and get sideswiped by another unforeseen event. Plus, acti...
by Christine_NM
Sat Jul 09, 2016 10:34 am
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 103
Views: 5363

Re: What's your asset allocation and why?

46% US Stock
40% US Bond
14% Cash

Why? That's over 1M in stock and I can't see any point in adding more. I am struck by the optimistic tone of the posts in this thread. Makes me nervous. :?
by Christine_NM
Fri Jul 08, 2016 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Help Me Understand My Edward Jones Broker
Replies: 30
Views: 1731

Re: Help Me Understand My Edward Jones Broker

AMCAP did outperform VFINX. But AMCAP is a large growth fund, not an S&P 500 fund. Go to Morningstar as I just did and compare it with Vanguard Growth Index (VIGRX), and you will see they track closely but AMCAP consistently underperforms VIGRX. That is the impact of higher expense ratio...
by Christine_NM
Thu Jul 07, 2016 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Need feedback on Vanguard Fund Portfolio...
Replies: 10
Views: 816

Re: Need feedback on Vanguard Fund Portfolio...

Your portfolio plan is similar to what I have and I'm satisfied with it. I also find $300k in "safe" money reassuring.

While you may buy all 3 balanced funds now, consider eventually consolidating the 3 into 2 and maybe eventually 1 fund. Which one(s) to keep you can decide later.
by Christine_NM
Wed Jul 06, 2016 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Ideal allocation for someone who has reached their "number"
Replies: 32
Views: 3290

Re: Ideal allocation for someone who has reached their "number"

I DON'T want to take a big hit if there's a severe market downturn; I've worked very hard, and saved very long, for this money. Sometimes, in order to keep the whole, you have to sacrifice a part. With money it usually grows back. As long as you do not want to take a big hit, you can stay in CDs an...
by Christine_NM
Wed Jul 06, 2016 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Unresponsiveness of Social Security Website
Replies: 5
Views: 322

Re: Unresponsiveness of Social Security Website

The sites are up now. Your password expires every 6 months.
by Christine_NM
Mon Jul 04, 2016 11:34 pm
Forum: Investing - Theory, News & General
Topic: New Coursera course -- Financial Markets by Robert Shiller
Replies: 9
Views: 1641

Re: New Coursera course -- Financial Markets by Robert Shiller

dougger - Week 2 wrap-up quiz is not locked. I've done week 1 & 2, all videos and quizzes. The new coursera format seems a little flaky. It sometimes goes smoothly from one module to the next, and sometimes it doesn't. I would get to a dead end and have to go back the the course home to get to t...
by Christine_NM
Mon Jul 04, 2016 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Too Large A Cash Allocation ?
Replies: 5
Views: 1043

Re: Too Large A Cash Allocation ?

Tom -

Sounds like you have covered all the bases. All that is left to be said it that too much cash is better than too little cash. :happy

Happy Fourth.
by Christine_NM
Mon Jul 04, 2016 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Too Large A Cash Allocation ?
Replies: 5
Views: 1043

Re: Too Large A Cash Allocation ?

Tom - I also have more income than I need right now. My after-tax RMD goes half to taxable investment like your VLCAX and half to cash in my CU money market fund, which a friend will inherit. The money market account would be equivalent to your CDs. The RMD is not a great deal of cash compared to th...
by Christine_NM
Sun Jul 03, 2016 2:20 pm
Forum: Personal Consumer Issues
Topic: Save Thousands on Dental Expenses!
Replies: 21
Views: 2660

Re: Save Thousands on Dental Expenses!

The purpose of flossing after eating is to remove food particles between teeth. Flossing correctly should not damage gums. A vigorous and deep flossing into gums is damaging; however a gentle cleaning to remove food particles is beneficial. Not according to my dentist, who is the best dentist in th...
by Christine_NM
Sat Jul 02, 2016 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Getting rid of international funds
Replies: 83
Views: 6547

Re: Getting rid of international funds

But I am not the OP. My version of "you won the game, so stop playing" was to get out of international and small caps, which were minor allocations but major headaches that I did not need. Well put. :sharebeer When you reference "getting out of small caps," are you suggesting th...
by Christine_NM
Sat Jul 02, 2016 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Getting rid of international funds
Replies: 83
Views: 6547

Re: Getting rid of international funds

If I were the OP, I'd keep the current 16% international and ignore it. Don't sell any, don't buy more. The strong dollar is messing up any chance of international funds accurately representing their stocks' performance. When we have a weak dollar, international NAVs will skyrocket and BH will be pa...
by Christine_NM
Fri Jul 01, 2016 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: What am I not understanding?
Replies: 45
Views: 3795

Re: What am I not understanding?

I am not a particular advocate of target-date investing so I can sympathize with the question. Target funds started about the time I retired. However, you must get rid of past performance as a metric or you will drive yourself nuts. The idea behind index funds in general and the 3-fund portfolio in ...
by Christine_NM
Thu Jun 30, 2016 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me decide if I should dump a loser stock
Replies: 28
Views: 1114

Re: Please help me decide if I should dump a loser stock

At least you learned a lesson! However, I think you made a mistake by not holding onto the stock after making the initial mistake. Selling low and buying into bonds is exactly the type of fear-based reaction you should avoid. Seems like the only mistake was the impulse buy. Often someone posts here...
by Christine_NM
Tue Jun 28, 2016 2:14 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Traditional Pasta?
Replies: 52
Views: 3015

Re: Alternatives to Traditional Pasta?

BFG -
I will try that tortellini salad, it sounds great. No dressing, just a little EVOO?

Signed,
Not Scared of Real Pasta
by Christine_NM
Thu Jun 23, 2016 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Balance Index Fund?
Replies: 2
Views: 487

Re: Balance Index Fund?

You bet. Look up Vanguard Balanced Index fund, VBINX. If not that, then maybe you could give us a better idea of what indexes and what sort of balance you are looking for.
by Christine_NM
Thu Jun 23, 2016 1:15 am
Forum: Investing - Theory, News & General
Topic: NY Times Op-Ed: Pension Holders Need a New Retirement Plan, Not Stock Tips
Replies: 65
Views: 4685

Re: NY Times Op-Ed: Pension Holders Need a New Retirement Plan, Not Stock Tips

Hej there, I think most Swedes has very low balance in private retirement funds. Also many haven't the knowledge so they end up where the bank or adviser get the most fees (known pattern). It's only recently they started low cost index funds. You have total freedom to choose funds in the private re...
by Christine_NM
Wed Jun 22, 2016 2:44 pm
Forum: Investing - Theory, News & General
Topic: NY Times Op-Ed: Pension Holders Need a New Retirement Plan, Not Stock Tips
Replies: 65
Views: 4685

Re: NY Times Op-Ed: Pension Holders Need a New Retirement Plan, Not Stock Tips

A March 2016 FT article gives an update on the Swedish pension system. Short version - they want to cut out some professional money managers and invest in-house in order to lower costs. A link will not get you to the article but you can Google "Sweden's AP2 pension fund takes assets in-house&q...
by Christine_NM
Wed Jun 22, 2016 11:54 am
Forum: Investing - Theory, News & General
Topic: NY Times Op-Ed: Pension Holders Need a New Retirement Plan, Not Stock Tips
Replies: 65
Views: 4685

Re: NY Times Op-Ed: Pension Holders Need a New Retirement Plan, Not Stock Tips

A March 2016 FT article gives an update on the Swedish pension system. Short version - they want to cut out some professional money managers and invest in-house in order to lower costs. A link will not get you to the article but you can Google "Sweden's AP2 pension fund takes assets in-house&qu...
by Christine_NM
Tue Jun 21, 2016 4:18 pm
Forum: Investing - Theory, News & General
Topic: NY Times Op-Ed: Pension Holders Need a New Retirement Plan, Not Stock Tips
Replies: 65
Views: 4685

Re: NY Times Op-Ed: Pension Holders Need a New Retirement Plan, Not Stock Tips

Doesn't anyone find it psychologically fascinating that someone who could get a doctorate in Economics, work for the Fed and be a professor at Boston College could not motivate herself to do some simple financial planning? She obviously has far more quantitative skill than is needed to look at expe...
by Christine_NM
Mon Jun 20, 2016 11:17 am
Forum: Personal Finance (Not Investing)
Topic: making the right move?
Replies: 18
Views: 1088

Re: making the right move?

The loan rate is variable. I would not expect the rate to fall so I'd pay off the loan before it is raised. No emotions there, just pay the least interest you can. It still could work in your favor as far as taxable investing goes, no way to know for sure. Either way, you will be OK.
by Christine_NM
Sun Jun 19, 2016 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: Could John Bogle Be Right About International Stock?
Replies: 222
Views: 26437

Re: Could John Bogle Be Right About International Stock?

I really appreciate posts by others who also help us learn more about investing... Investing is easy, pick a US bond and stock index fund, set an asset allocation and stick with it. Everything else is just verbiage full of sound and furry signifying nothing. Interesting choice of phrase - Macbeth j...
by Christine_NM
Sat Jun 18, 2016 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: early retiree - rollover to Wellesley Admiral?
Replies: 9
Views: 1373

Re: early retiree - rollover to Wellesley Admiral?

keri - I have about one-third Wellesley in my IRA and two-thirds broad market index funds in other accounts. Wellesley is too concentrated in large value and corporate bonds to put everything in it, but it is a great complement to index funds and has held its own next to them in performance. You don...
by Christine_NM
Sat Jun 18, 2016 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Recently retired: Best strategy to fund expenses?
Replies: 5
Views: 987

Re: Recently retired: Best strategy to fund expenses?

What have I not considered?


Consider not attending any more retirement seminars.

You are too young for an annuity. Wait till you are 75 or so and then see what is available.
by Christine_NM
Thu Jun 16, 2016 11:09 pm
Forum: Personal Consumer Issues
Topic: Neighborhood kids setting up lemonade stand on my property
Replies: 102
Views: 5875

Re: Neighborhood kids setting up lemonade stand on my property

This reminds me of once chasing away a kid with a skateboard on a busy, poor visibility driveway next to my townhouse. Kid returned later with Mom to back him up. She stands in the driveway while I explain about fast traffic that is not expecting to see kids skateboarding and she is rolling her eyes...
by Christine_NM
Thu Jun 16, 2016 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Neuberger Berman vs. Vanguard
Replies: 7
Views: 733

Re: Neuberger Berman vs. Vanguard

15k in dividends sounds about right. That would be 1.5% on 1M and 3% on 500k. So perhaps they are getting 2 point something percent in dividend income. Living off dividends is a nonstarter these days, and bonds do not help much. No doubt NB fees are higher than Vanguard, but the basic problem is tha...
by Christine_NM
Tue Jun 14, 2016 12:56 pm
Forum: Investing - Theory, News & General
Topic: John Oliver covers retail investment industry on Last Week Tonight
Replies: 113
Views: 14399

Re: John Oliver covers retail investment industry on Last Week Tonight

Now if I meet someone who claims to be a financial adviser I can say, Are you an elf-spotter too? instead of saying no, not interested, and backing away.
by Christine_NM
Tue Jun 14, 2016 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA transfer complete but I had a dividend come through afterwards.
Replies: 5
Views: 360

Re: Roth IRA transfer complete but I had a dividend come through afterwards.

It took from midquarter till the end of the quarter for all the pennies to get transferred when I moved an IRA. There was a dividend and then another dividend. I was impatient/ignorant about the process, but I did not have to send any additional paperwork. To send more paper might confuse V or S, si...
by Christine_NM
Sun Jun 12, 2016 5:33 pm
Forum: Investing - Theory, News & General
Topic: Balanced fund in taxable vs tax-deferred account: not so clear
Replies: 8
Views: 919

Re: Balanced fund in taxable vs tax-deferred account: not so clear

There's a lot of moving parts in this question. Yes, Bal Index is not so bad in taxable when interest rates are low. That is because stock dividends dominate the distributions. Stock dividends are taxed at your cap gains rate. Bond interest is taxed at your ordinary interest rate. So when the yield ...
by Christine_NM
Sat Jun 11, 2016 10:49 am
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 118
Views: 6348

Re: What is your overall portfolio weighted expense ratio

0.107%, all index funds except Wellesley Adm. If its ER were 8 bp, the ratio would be 0.078%.
by Christine_NM
Mon Jun 06, 2016 8:55 pm
Forum: Personal Consumer Issues
Topic: Traveling through Albuquerque - safe to stop?
Replies: 50
Views: 4893

Re: Traveling through Albuquerque - safe to stop?

Anyone know of any newer hotels in Albuquerque? Preferably uptown, but anywhere between the airport and uptown would work. I've been disappointed by some of the older properties in terms of cleanliness and wear & tear. I don't know what you are looking for, but I'd stay at Los Poblanos if I did...
by Christine_NM
Mon Jun 06, 2016 11:48 am
Forum: Investing - Theory, News & General
Topic: Fidelity Spartan Funds - name changes
Replies: 55
Views: 6891

Re: Fidelity Spartan Funds - name changes

I just got done re-allocating my account there because I looked at the expense ratios and was like "whoah!" I need to change jobs again just so I can roll that junk over to Vanguard. That may be true but are you talking about the topic at hand posted by the OP, Fidelity Spartan funds, nam...
by Christine_NM
Sun Jun 05, 2016 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: 22yo starting medical school. Minimize debt or maintain savings/emergency fund?
Replies: 23
Views: 1797

Re: 22yo starting medical school. Minimize debt or maintain savings/emergency fund?

Consider your parents' ability to help you out, not just their willingness. Do they need to keep saving for their retirement or for your siblings' education? A few kids' emergencies can torpedo parents' retirement. I don't know many parents that wouldn't give up a kidney, let alone a year of retire...

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