Search found 2463 matches

by Christine_NM
Tue Jun 20, 2017 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Helping elderly Grandma with investing 270k - VTINX?
Replies: 26
Views: 1257

Re: Helping elderly Grandma with investing 270k - VTINX?

Ah, Alzheimers. My sympathies. Definitely lots of cash (more than 15k -- her care expense will only go up) and maybe $150k CDs. Plan for Medicaid.
by Christine_NM
Tue Jun 20, 2017 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Helping elderly Grandma with investing 270k - VTINX?
Replies: 26
Views: 1257

Re: Helping elderly Grandma with investing 270k - VTINX?

Yes, family can be the worst enemy. Is she on board with investing in 30% stocks? What does she usually do?

I would keep that money in CDs and a money market fund at a convenient bank
if I were 89 and that was what I had.

It is probably enough, so why risk it for more that she does not need?
by Christine_NM
Fri Jun 16, 2017 1:44 pm
Forum: Investing - Theory, News & General
Topic: Favorite Feature of Vanguard Website?
Replies: 64
Views: 4622

Re: Favorite Feature of Vanguard Website?

The part I use most often is single fund information - tabs for overview, price & performance, portfolio & management, distributions, etc. I like the clarity and the fact that this section has survived a few site overhauls intact. Makes me feel like I know what I own. I do too. But I've fou...
by Christine_NM
Fri Jun 16, 2017 9:57 am
Forum: Investing - Theory, News & General
Topic: Favorite Feature of Vanguard Website?
Replies: 64
Views: 4622

Re: Favorite Feature of Vanguard Website?

The part I use most often is single fund information - tabs for overview, price & performance, portfolio & management, distributions, etc.

I like the clarity and the fact that this section has survived a few site overhauls intact. Makes me feel like I know what I own.
by Christine_NM
Mon Jun 05, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: Favorite Thriller Authors and Why
Replies: 54
Views: 5671

Re: Favorite Thriller Authors and Why

Donald Westlake Sara Paretsky Dennis Lehane Karin Fossum Louise Penny Sue Grafton Jussi Adler-Olsen Hard to say why. These authors have series I've followed and enjoyed. I like interesting characters, local color, comic relief, a well-managed plot, and not a lot of gratuitous violence. IOW I like cr...
by Christine_NM
Sat Jun 03, 2017 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Does someone 60+ need more than 10 years expenses in FI?
Replies: 39
Views: 3840

Re: Does someone 60+ need more than 10 years expenses in FI?

TL- I don't look at expenses vs. FI because I am not positive what the next 10 years' expenses will really be. They could be very modest or extremely high if I become disabled in some way. I aim for a fixed dollar amount in stocks and in bonds, and the rest goes to cash. That works out to an asset a...
by Christine_NM
Fri Jun 02, 2017 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Balanced index fund holder - do I need intl?
Replies: 52
Views: 3135

Re: Balanced index fund holder - do I need intl?

Mr Bogle made the most incisive comment about international in a video about a year ago (which I have lost track of, sorry). Maybe someone can provide a link? He said to be sure of your own reasons for whatever allocation you have to international, zero or higher. Listen but ultimately you have to k...
by Christine_NM
Mon May 29, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: How long before I can cut down a branch with a nesting bird
Replies: 18
Views: 1951

Re: How long before I can cut down a branch with a nesting bird

Is it one of those large mourning doves, looks like a beige pigeon? If so, they are stubborn once they find a place to sit, even with no eggs. This spring one sat in a pine tree with no nest, just a matted bed of dropped pine needles in the branches. I cleaned out the needles and it seems to be gone...
by Christine_NM
Mon May 29, 2017 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Avoiding Taxes with RMD
Replies: 59
Views: 6679

Re: Avoiding Taxes with RMD

It does not really matter where the money comes from but this seems like the easiest way to me. I get all legal necessities (taking the RMD and withholding safe harbor amounts) done in one annual transaction. Easy for record keeping. This seems like a nice simple approach. Do you follow through and...
by Christine_NM
Fri May 26, 2017 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Avoiding Taxes with RMD
Replies: 59
Views: 6679

Re: Avoiding Taxes with RMD

Christine, How do you manage (where do you "put") RMD proceeds to withhold for taxes - how does this satisfy the government need for estimated taxes or withholding on the source? With Vanguard RMD service you can set the RMD federal and state withholding percent to whatever will cover you...
by Christine_NM
Fri May 26, 2017 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Are middle-aged breadwinners getting a raw deal?
Replies: 20
Views: 2862

Re: Are middle-aged breadwinners getting a raw deal?

LOL (long story, don't ask). Tell the family what you want to do in specific terms. Say you want regular Saturday hiking or whatever. Tell the family nicely but firmly that is what will happen. Invite them along, but you will go alone if they refuse. They will adjust. I think it is called tough love...
by Christine_NM
Thu May 25, 2017 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Avoiding Taxes with RMD
Replies: 59
Views: 6679

Re: Avoiding Taxes with RMD

I agree with Celia. The time has come to pay the piper. This is no surprise for you, only an attitude adjustment. Three things affect my tax situation most: First, I use part of my RMD to withhold all state and federal taxes for the year. I can skip estimated taxes or withholding on my sources of in...
by Christine_NM
Thu May 25, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: Debit card use
Replies: 5
Views: 708

Re: Debit card use

I've used a debit card for everyday shopping for years with no problem. I use a credit card for higher value or unusual purchases. No difference to me, but once I tried to pay a Bank of America fee (for someone else, not me!) with a credit card, but they would only take a debit card tied to a person...
by Christine_NM
Wed May 24, 2017 9:24 pm
Forum: Personal Consumer Issues
Topic: Should I drink or sell my Pappy 12 year?
Replies: 64
Views: 6628

Re: Should I drink or sell my Pappy 12 year?

Trade it for a bourbon Scotch you know you would enjoy but don't normally buy?
by Christine_NM
Tue May 23, 2017 11:38 am
Forum: Investing - Help with Personal Investments
Topic: More assistance & help with 73 Father In Law - planning
Replies: 11
Views: 926

Re: More assistance & help with 73 Father In Law - planning

Like Paul, my first thought is skip the small cap value and include that amount with Total Stk Mkt. Too many funds for too little money. Not sure I agree with FIL that more than 100k annuity is worse than putting 125k in stocks where you could actually see a 40-50% decline, or more likely a 20-30% d...
by Christine_NM
Mon May 22, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: Well-made quality handbags
Replies: 32
Views: 3069

Re: Well-made quality handbags

I like Kate Spade (being merged with Coach). Hope the KS styles don't get too conservative under Coach. Who wants a "business bag" in retirement? Not me.
by Christine_NM
Sun May 21, 2017 6:47 pm
Forum: Investing - Theory, News & General
Topic: What % of your income have you converted to wealth?
Replies: 133
Views: 16800

Re: How many Bogleheads have investment assets that exceed their cumulative lifetime earned income?

Where can you calculate lifetime earning adjusted for inflation? I use the index values from Social Security for calculating benefits. See page two of this pdf: https://www.ssa.gov/pubs/EN-05-10070.pdf I've recorded all of my SS wages in a spreadsheet by year, and periodically update the index valu...
by Christine_NM
Sun May 21, 2017 10:29 am
Forum: Investing - Theory, News & General
Topic: What % of your income have you converted to wealth?
Replies: 133
Views: 16800

Re: How many Bogleheads have investment assets that exceed their cumulative lifetime earned income?

Where can you calculate lifetime earning adjusted for inflation? Usually I use the BLA inflation calculator, but that would be incredibly tedious.

I started at less than $100 a week net, and supported myself living in Boston. That is the same as $40k/yr gross today. The dollars are not the same.
by Christine_NM
Sat May 20, 2017 12:40 pm
Forum: Investing - Theory, News & General
Topic: Interesting conversation with an alleged SS actuary
Replies: 63
Views: 5087

Re: Interesting conversation with an alleged SS actuary

OK, to be precise, no life annuities sold to individuals or couples is unisex. 8-) BobK :wink: Charitable gift annuity rates are unisex. They are based on "a 50/50 blended rate of male and female mortality" according to http://acga-web.org . I know you mean commercial products, but blanke...
by Christine_NM
Sat May 20, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: What goes in your smoothie?
Replies: 45
Views: 2690

Re: What goes in your smoothie?

For pink smoothie, frozen cherries and berries mix, Gk yogurt and water

For green smoothie, fresh kale spinach mix, banana, kefir

I'm going to try beet juice next.

Update on beet juice - all I could find was labelled "made in Turkey". I'll pass on that for a variety of reasons.
by Christine_NM
Thu May 18, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Neighbor draining onto / flooding my patio and yard daily - what can I do?
Replies: 59
Views: 5011

Re: Neighbor draining onto / flooding my patio and yard daily - what can I do?

^^ Some landscapers only do drainage, structural work like retaining walls, etc., no plants. I had a good one dig out my front garden, put in two retaining walls and flagstone walkway, and under the walkway a french drain to the street. This is not the lawncare type of landscaper. Mine had a minimum...
by Christine_NM
Fri May 12, 2017 12:47 pm
Forum: Investing - Theory, News & General
Topic: Rob Arnott [buy emerging market equities vs. US stocks]
Replies: 40
Views: 3063

Re: Rob Arnott

If I were "very worried" about US stocks, I'd put new money in Treasurys, not emerging markets. That's Asset Allocation 101. Recognize that all financial media is aimed at selling you something, not in rational discussion of your alternatives. Sometimes, starting something new, it is hard ...
by Christine_NM
Sun May 07, 2017 12:19 am
Forum: Investing - Help with Personal Investments
Topic: Need help with 73 year old FIL's portfolio - Bond/Fixed Inc
Replies: 8
Views: 959

Re: Need help with 73 year old FIL's portfolio - Bond/Fixed Inc

Consider immediateannuities.com. I looked up a quote for single life annuity (73 yo male in CA) with payments delayed 2 years to account for 2 more years of work. If he could "invest" $250k in an annuity he would get $2000/month for life. With limited money for investment and no time for g...
by Christine_NM
Sat May 06, 2017 1:09 am
Forum: Investing - Theory, News & General
Topic: Are indexed funds overblown?
Replies: 89
Views: 6885

Re: Are indexed funds overblown?

I watched the interview. Winters ignores the fact that a stock index will exist over time with different constituent stocks. This is a difficult concept to get across unless you have owned an index fund and watched the top holdings change. I remember being surprised when Apple showed up in the top t...
by Christine_NM
Fri May 05, 2017 3:38 pm
Forum: Investing - Theory, News & General
Topic: Why save so much for when you're old?
Replies: 163
Views: 18540

Re: Why save so much for when you're old?

OP - Invest you must. The sooner you start, the less of your lifetime income you need to invest. PJW -- yes, I too am grateful to my younger self. I didn't know anything, I just saved because no one else would do it for me. Sometimes I wondered if I would be alive at 60 but I see that comment so oft...
by Christine_NM
Thu May 04, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 242
Views: 24601

Re: Where to Live on $60K or Less a Year?

Albuquerque and Santa Fe can be treated as one entity. They are a pleasant hour's drive on I-25 apart. I live in ABQ and go to Santa Fe once a month, usually lunch, museum, opera, or Bishop's Lodge weekend. Which one you live in depends on if you prefer a small town (pop. 70k) or a medium city (550k...
by Christine_NM
Wed May 03, 2017 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 215
Views: 18056

Re: Buying a luxury car (how dumb would it be to do this?)

I vote for the Highlander. Keep the dream of a BMW alive -- do not actually buy one. At least until you own your home free and clear. That mortgage is a killer. ETA - I mean, nothing wrong with BMW that I know of, but you probably enjoy thinking about a BMW more than you would enjoy owning it. And w...
by Christine_NM
Mon May 01, 2017 2:35 pm
Forum: Investing - Theory, News & General
Topic: Are we all forgetting our taxable accounts?
Replies: 79
Views: 9860

Re: Are we all forgetting our taxable accounts?

I paid down a 30 yr mortgage in 15 years while saving in an IRA and 401k. The maximum contributions were a lot lower then, and the interest rates were higher. But I started on a taxable mutual fund account as soon as I burned that mortgage and got back from a celebratory Hawaii trip. It grew fast an...
by Christine_NM
Sun Apr 30, 2017 4:36 pm
Forum: Investing - Theory, News & General
Topic: Myopic Loss Aversion
Replies: 14
Views: 1451

Re: Myopic Loss Aversion

In other words, if the theory of "Myopic Loss Aversion" is true, then you would become more sad and less happy as a consequence of literally nothing happening. Doesn't sound absurd to me at all. Don't we expect something to happen? The pants are not good example, you own both pockets. But...
by Christine_NM
Sun Apr 30, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: Buy condo now, or wait a few years and then enter CCRC?
Replies: 25
Views: 2166

Re: Buy condo now, or wait a few years and then enter CCRC?

In your place I would not try to create a new life just because the house is big. I have discovered the wonders of hiring people to do things. Not just yard and snow, but housework and laundry (avoid those basement steps at all costs) too. So, I'd stay put with help until ready for the CCRC.
by Christine_NM
Sun Apr 30, 2017 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with regret
Replies: 102
Views: 8952

Re: Dealing with regret

I've made mistakes, financial and otherwise, but always find it easier to move on than to blame a particular "mistake" for today's troubles. As livesoft implied, loss of appetite and poor sleep does not sound like simple regret about a decision made over 8 years ago, particularly when you ...
by Christine_NM
Fri Apr 28, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: A Morbid Subject
Replies: 20
Views: 2635

Re: A Morbid Subject

In my experience the older you are, the less you fear your own death. You may fear the death of loved ones, illness, and disability more, but not your own death. This is only me and I certainly do not speak for anyone else. Read up on death and dying. The more you know about something, the less you ...
by Christine_NM
Thu Apr 27, 2017 8:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 106
Views: 10082

Re: Vanguard has switched to brokerage only accounts

^^ Thank you, Kyle. Good to know. This is the only reason Vanguard could get me to agree to upgrade. Of course they could reaccommodate me without my consent, but you know how that sort of thing worked for United Airlines.
by Christine_NM
Thu Apr 27, 2017 5:51 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 106
Views: 10082

Re: "Invited" to change to Vang Brokerage

You get $500k in SIPC coverage with the brokerage account. Does anyone know if this is $500k for all accounts a customer holds at one institution, or is it $500k limit per brokerage account (IRA, Roth, taxable, etc.) per customer? I found Vanguard's page on account protection, but it is really vagu...
by Christine_NM
Thu Apr 27, 2017 12:39 am
Forum: Personal Consumer Issues
Topic: Bed comforter for spring / summer / fall in Maine
Replies: 13
Views: 862

Re: Bed comforter for spring / summer / fall in Maine

I like https://thecompanystore.com , specifically the lacrosse comforter in various weights. LL Bean is the same idea and almost as good.
by Christine_NM
Wed Apr 26, 2017 12:33 am
Forum: Investing - Help with Personal Investments
Topic: Very minor and possibly silly question about MMF exchange in tIRA
Replies: 14
Views: 570

Re: Very minor and possibly silly question about MMF exchange in tIRA

If you might want the mmf in the future, leave it nonzero. Nine cents is good. To open a mmf you would have to deposit $3000. See viewtopic.php?f=1&t=43168
by Christine_NM
Sat Apr 22, 2017 4:50 am
Forum: Personal Consumer Issues
Topic: Terminal Cancer Diagnosis for 5 year old: What would you do?
Replies: 32
Views: 5756

Re: Terminal Cancer Diagnosis for 5 year old: What would you do?

Agree that the most important thing is to stay in contact without interrupting family time. That's a difficult diplomatic maneuver. Friends often drift away from families with cancer because they do not know what to do or say. So stay in contact. Not sure about the make a wish idea. Something more m...
by Christine_NM
Fri Apr 21, 2017 8:27 pm
Forum: Personal Consumer Issues
Topic: My Doctor says I am "unusual" (declining some blood tests)
Replies: 51
Views: 7065

Re: My Doctor says I am "unusual" (declining some blood tests)

If you are unusual (in a good way) then I am too. My oncologist orders all the lab work and other docs can look at the EMR -- but I won't let anyone stick me routinely, as if routine tests (CMP, CBC, Thyroid screen, CA markers) were not already being done regularly. But if I were going in with new s...
by Christine_NM
Thu Apr 20, 2017 2:29 am
Forum: Personal Finance (Not Investing)
Topic: take pension or not..Help?
Replies: 12
Views: 1602

Re: take pension or not..Help?

^^ Thanks for the info. I guess we still don't know about OP situation.
by Christine_NM
Wed Apr 19, 2017 12:23 pm
Forum: Personal Consumer Issues
Topic: Improving my Math Skills
Replies: 27
Views: 3194

Re: Improving my Math Skills

I had to write a route optimization code once. I used the algorithm in my operations research (aka management science) textbook. I too think you might benefit from an operations research course more than advanced math. It's more fun too.
by Christine_NM
Mon Apr 17, 2017 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: All in with Balanced Index fund
Replies: 33
Views: 3524

Re: All in with Balanced Index fund

Congrats on pulling the trigger. Of course you can also own an international fund in any type of account in addition to VBINX. Why is it not more popular? No one is pushing it. Each investor has to discover it. I'd say it is certainly becoming more popular on this forum along with index funds in gen...
by Christine_NM
Mon Apr 17, 2017 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: take pension or not..Help?
Replies: 12
Views: 1602

Re: take pension or not..Help?

^^ My pension amount is based on hours worked. If spouse quits now pension most probably freezes and should be taken immediately. I believe that is the usual arrangement. Employers do not increase compensation after you quit. Of course, this may be different but I read it as continue work to get hig...
by Christine_NM
Sun Apr 16, 2017 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Why invest in International Index Fund?
Replies: 39
Views: 3711

Re: Why invest in International Index Fund?

Why have international markets lagged in prices? Part of it is the continued increase in the strength of the US dollar. Share prices for international are lower when valued in a stronger currency (US$) than their native one. When the dollar gets weaker, possibly by design, international funds will ...
by Christine_NM
Sun Apr 16, 2017 12:30 pm
Forum: Investing - Theory, News & General
Topic: Emergency Fund: 125% Wellesley or 100% Limited-Term MUNIs?
Replies: 22
Views: 1594

Re: Emergency Fund: 125% Wellesley or 100% Limited-Term MUNIs?

...Wellesley is not a good choice for a taxable account for a person in a high bracket... Wouldn't my after-tax return be larger with Wellesley compared to Limited-Term and to our current Ally Savings at 1%? Thanks Ha! That's a good point, Lt. C. But you should not be looking for investment return ...
by Christine_NM
Sat Apr 15, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: How does family of 4 spend $1,500/mo on groceries?
Replies: 25
Views: 2002

Re: How does family of 4 spend $1,500/mo on groceries?

You realize that 1500/mo for 4 for 3 meals a day x 30 days/month comes to $4.25/meal/person? Not extravagant.

I shop at trader joes for myself and the expense is the same proportionally, about 90-100 per week. A couple of years ago it was about $77, but prices have crept up a little.
by Christine_NM
Thu Apr 13, 2017 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: 529/son got accepted to medical school whahoooo!
Replies: 30
Views: 3428

Re: 529/son got accepted to medical school whahoooo!

Cash for anything less than 5 years. You know that, right?

You want more stocks, add to your taxable account.
by Christine_NM
Tue Apr 11, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for my divorced mother (not sure to sell/not sell house)
Replies: 32
Views: 2526

Re: Advice for my divorced mother (not sure to sell/not sell house)

If it were me, I'd sell the house before it needed major repairs, but meanwhile keep it as long as there is stable rental income and she has not decided where else she would live. Once the house was sold I'd put $500k into an immediate annuity. Keep the rest in cash and CD's. Any job income would he...
by Christine_NM
Sat Apr 08, 2017 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else own balanced index fund? [vbinx]
Replies: 26
Views: 3438

Re: Anyone else own balanced index fund? [vbinx]

I started investing in this fund in 2002 and now, after more investing and reinvesting dividends, it's over a million. I can't see much point in reinvesting dividends anymore, unless the price falls precipitously, so I take them in cash now. The biggest advantage of VBINX is that I stopped worrying ...
by Christine_NM
Thu Apr 06, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: Help on how to spend more on myself (First World Whine)
Replies: 93
Views: 5904

Re: Help on how to spend more on myself (First World Whine)

Stop the charitable donations for a while? See how that affects you. It is a little strange that you donate but have trouble spending small amounts on yourself. So try breaking your spending pattern and then rebuilding it. Another possibility: If those $200-$1500 items will soon end up lightly used ...

Go to advanced search