Search found 2426 matches

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: 29
Views: 4384

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: 42
Views: 4246

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: 1430

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: 2886

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: 3085

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: 1430

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: 38
Views: 3085

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: 1414

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: 1801

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: 3117

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: 2320

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: 3141

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: 5186

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 ...
by Christine_NM
Wed Apr 05, 2017 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Partner -> Questions for TLH expert (Livesoft and others)
Replies: 17
Views: 896

Re: TLH Partner -> Questions for TLH expert (Livesoft and others)

^^ Then OP must add "use spec id lots" to the plan. Otherwise, sales are FIFO and purchases within 30 days before and after TLH will create wash sales. I've never bothered with spec id lots so have had to consider the 30 days before. A small wash sale is not a dealbreaker, just reduces the...
by Christine_NM
Wed Apr 05, 2017 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Partner -> Questions for TLH expert (Livesoft and others)
Replies: 17
Views: 896

Re: TLH Partner -> Questions for TLH expert (Livesoft and others)

The tricky part is remembering purchases made within 30 days BEFORE or after the date of taking the loss: "The wash-sale rule states that your tax write-off will be disallowed if you buy the same security, a contract or option to buy the security, or a “substantially identical” security, within...
by Christine_NM
Tue Apr 04, 2017 9:26 am
Forum: Investing - Help with Personal Investments
Topic: VBIAX
Replies: 5
Views: 605

Re: VBIAX

LifeStrategy Moderate Growth is 60s/40b with lots of international.
by Christine_NM
Mon Apr 03, 2017 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: IS 200k household income "middle income" these days? Has that threshold increased?
Replies: 42
Views: 2625

Re: IS 200k household income "middle income" these days? Has that threshold increased?

Maybe inflation is right around the corner? Wage inflation means competition for employees. Classically, I think wage inflation suggests we are near full employment, and from there we get no increase in growth, so the most likely next economic stop is recession or at best a soft landing. Hard to te...
by Christine_NM
Mon Apr 03, 2017 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Young-ish bogleheads: How much (if any) social security do you expect in retirement?
Replies: 88
Views: 4160

Re: Young-ish bogleheads: How much (if any) social security do you expect in retirement?

I'm in my 70s and all my life people (boomers, mostly) have been predicting they will get no Social Security retirement benefit. It seems to be a rite of passage. First you think by the time you are that old SS will surely be history. Then you start retirement planning and count on a partial amount,...
by Christine_NM
Fri Mar 31, 2017 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity advisor said I invested in too much S&P 500 at once for my portfolio; DCA it?
Replies: 75
Views: 3864

Re: Fidelity advisor said I invested in too much S&P 500 at once for my portfolio; DCA it?

Congratulations on paying off the mortgage. That is a big step toward retirement. Your advisor isn't making any sense. The plan to take an $800 short term (taxable at ordinary rate) gain and DCA is, in a word, nuts. Stay invested. If we have a nice pullback in the summer or fall, use it to buy more ...
by Christine_NM
Fri Mar 31, 2017 12:42 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index Fund In Retirement?
Replies: 20
Views: 2699

Re: Vanguard Balanced Index Fund In Retirement?

Based on this thread I was running PV and, as always, the time period matters a lot.

VBINX looks like a loser when you start in 2000. I moved the start year to 2004, my retirement year, and suddenly everything looked different. Beware back testing.
by Christine_NM
Thu Mar 30, 2017 5:11 pm
Forum: Personal Consumer Issues
Topic: Health Insurance two states NY and NM
Replies: 8
Views: 632

Re: Health Insurance two states NY and NM

My Mom moved from Mass to NM and kept her same fee-for-service Medicare with Blue Cross Medigap. All went smoothly. But it sounds like you are not quite Medicare-age yet?

If you end up on Medicare in NM, consider Presbyterian Medicare Advantage.
by Christine_NM
Thu Mar 30, 2017 1:53 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 186
Views: 24496

Re: John Bogle on international

Nibbana -

Find the episode of W$W on Youtube and we will believe you. Otherwise, I too think you misheard or misremembered. Perhaps he said 50% of the world's market cap is outside the US, but without a vid I don't believe he ever recommended 50% international to a general audience.
by Christine_NM
Tue Mar 28, 2017 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter maxed out credit cards, needs help from me
Replies: 92
Views: 4581

Re: Daughter maxed out credit cards, needs help from me

Grt2bOutdoors wrote:Now I know who's picking up the restaurant bills at the hotspots in NYC - it's the bank of Mom and Dad! :oops:


You did not know this already?
by Christine_NM
Tue Mar 28, 2017 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter maxed out credit cards, needs help from me
Replies: 92
Views: 4581

Re: Daughter maxed out credit cards, needs help from me

Scratching my head, too. Sons are undeserving of $28k/year in support!?! :wink: JT The point is, if I really need to spell it out for you, that young people tend to be underpaid and so not make enough to live in a HCOL situation without getting into debt. The IRS lets each person give any other per...
by Christine_NM
Tue Mar 28, 2017 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter maxed out credit cards, needs help from me
Replies: 92
Views: 4581

Re: Daughter maxed out credit cards, needs help from me

If she has a job that does not pay a decent wage, gift her some money ($28k or less) each year. Some women are lucky enough to get by with that extra family support, rather than suffer all their lives and get a lump sum at the end. Parents should support their adult daughters with an annual stipend...
by Christine_NM
Tue Mar 28, 2017 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter maxed out credit cards, needs help from me
Replies: 92
Views: 4581

Re: Daughter maxed out credit cards, needs help from me

Agree with KlangFool. I get no sense from OP of what your daughter is like, how she got into debt, or that your plan would help at all. As a former daughter, there were a few times in my younger life when I was desperate for money but had learned never to ask my parents for it. They never helped and...
by Christine_NM
Tue Mar 28, 2017 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: How to easily organize personal finances
Replies: 31
Views: 2389

Re: How to easily organize personal finances

I would be lost without my spreadsheets. I start a new one each year (copy the old one and clear out the old year transactions). I track asset allocation, portfolio accounts, income and tax estimate for current year on one page. I keep Decembers and delete other months. There is a page for each mont...
by Christine_NM
Tue Mar 21, 2017 2:42 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard IRA Acceptance Letter
Replies: 4
Views: 314

Re: Vanguard IRA Acceptance Letter

I'd just call Vanguard. IIRC you fill out a Vanguard form that provides Vgd with the info to make the request. Stand back and let the pros duke it out. It is all over in a few weeks. You don't want to slow things down by being in the middle of the process.
by Christine_NM
Tue Mar 21, 2017 2:20 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard IRA Acceptance Letter
Replies: 4
Views: 314

Re: Vanguard IRA Acceptance Letter

You would not need to ask for the letter. You would call Vanguard to initiate the rollover and this is the type of letter Vanguard would send to your plan.
by Christine_NM
Sun Mar 12, 2017 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Forced role change, what would you do?
Replies: 38
Views: 2679

Re: Forced role change, what would you do?

I learned in business school that your job belongs to the employer, not to you, and an employer does not exist for your amusement. You are put where you are needed and if you are lucky and work at it, it will not be so bad. Anyway it is too soon to quit. You can always leave if it does not work out....
by Christine_NM
Sat Mar 11, 2017 2:00 am
Forum: Investing - Help with Personal Investments
Topic: who should i choose to help me??
Replies: 57
Views: 5210

Re: who should i choose to help me??

aunt who i trust wants to borrow 40K for 5 years at 6% interest Welcome Beth - The easy answer is NO, this is not a good idea. I guess if you have to ask, you know it is not good. It is too much of your $200k. If you had $2 million you could just give her $40k. Or perhaps she is trying to help you ...
by Christine_NM
Tue Mar 07, 2017 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Steps to take now before family member's imminent death
Replies: 24
Views: 3150

Re: Steps to take now before family member's imminent death

The most useful thing I did was to keep a log (full sized notebook) around the time of death and until the estate was closed 3 months later. I kept it by the phone and wrote down everything. It helped me remember what questions to ask and what the answers were, and record (name, org, phone) who I wa...
by Christine_NM
Mon Mar 06, 2017 6:22 pm
Forum: Investing - Theory, News & General
Topic: What is the difference between Total Return and SP500 index?
Replies: 47
Views: 2840

Re: What is the difference between Total Return and SP500 index?

My guess: What is the difference between Total Stock Market and SP 500 index?

My answer: Not much, really.

Do I win, misterno?
by Christine_NM
Sat Mar 04, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: How to ask back the book I lent to a Director?
Replies: 45
Views: 2809

Re: How to ask back the book I lent to a Director?

Maybe you could wait for a new edition. Fortune being what it is, she will return the original soon after you cave and buy a new one.

Sounds like you have said more than enough to her on whatever subject this is. Karl's comment above may be appropriate.
by Christine_NM
Thu Mar 02, 2017 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Balanced index fund or Wellesley for a "set it and forget it" newbie?
Replies: 19
Views: 1841

Re: Balanced index fund or Wellesley for a "set it and forget it" newbie?

Dexter - I also have both Bal Index and Wellesley. I would choose Bal Index as more appropriate for a one-fund portfolio, but having both is ideal. Choosing between the two is like asking which leg I'd like amputated. I think of Bal Index as a cautiously bullish fund and Wellesley as all-weather, ra...
by Christine_NM
Wed Mar 01, 2017 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: modeling expected healthcare costs with Medicare
Replies: 37
Views: 1562

Re: modeling expected healthcare costs with Medicare

When I did this 15 years ago for myself, I used the bls.gov healthcare inflation numbers for recent years. I ended up modelling Medicare premiums increasing 9% a year and Social Security increasing a conservative (I thought then) 1% a year. Not too far off, but the good news is that planning figures...
by Christine_NM
Sat Feb 25, 2017 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3239

Re: How am I doing?

For this updated AA I am going to have to sell Janus Balanced Fund Class T (JABAX) (0.84%) in taxable to buy Schwab International Equity ETF (SCHF) (0.07%). On the Schwab website I have options to "sell" or "sell and buy another." Is there any difference in these two options (be...
by Christine_NM
Sat Feb 25, 2017 11:57 am
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 159
Views: 11269

Re: What is your overall portfolio weighted expense ratio

I notice that my ER has decreased from 10.7 bp when this thread began to 10.1 bp now.
by Christine_NM
Fri Feb 24, 2017 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: Has anyone had problems gifting Vanguard shares to an organization?
Replies: 25
Views: 1571

Re: Has anyone had problems gifting Vanguard shares to an organization?

I provided the receiving account number and other information. I'm confused as to why Vanguard seems to be making something so simple so hard. -Steph Sorry that your experience is so different than mine was. Lately I've been donating cash with no Vanguard involvement. Maybe the path of least resist...
by Christine_NM
Fri Feb 24, 2017 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Talking with parents' financial advisor
Replies: 52
Views: 4758

Re: Talking with parents' financial advisor

The fewer questions the better. Find out what annual fees and commission costs are. Find out if the FA is acting as a fiduciary (he's not) -- I think that is where you were headed with the "how are you paid, what are you invested in" type of questions that only highlight how much your pare...
by Christine_NM
Fri Feb 24, 2017 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Has anyone had problems gifting Vanguard shares to an organization?
Replies: 25
Views: 1571

Re: Has anyone had problems gifting Vanguard shares to an organization?

I gifted shares years ago with something like a GIFF, not sure if it is the same form but sounds like it. The donee had a Vanguard account already. It was a Vanguard form and it was processed within a week after I mailed it in. The receivers commented on the speed of the processing and said with som...
by Christine_NM
Mon Feb 20, 2017 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Once having achieved 30X -- share your strategy?
Replies: 42
Views: 4168

Re: Once having achieved 30X -- share your strategy?

Would anyone here do anything, strategize differently, if you had 50x income


I have 50x expenses. So my hands-off, cash-heavy plan (above) is for 50x. If I still had 30x I might be more active or more worried or both.

I don't think 50x income means anything.
by Christine_NM
Mon Feb 20, 2017 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Once having achieved 30X -- share your strategy?
Replies: 42
Views: 4168

Re: Once having achieved 30X -- share your strategy?

My retirement strategy is to do as few mutual-fund transactions as possible and take a walk every afternoon. No rebalancing, no new funds. One fund per account. I hope I can stay the course because any other way ends badly for me. The one thing I did that most do not is buy charitable gift annuities...
by Christine_NM
Sun Feb 19, 2017 12:23 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM
Replies: 66
Views: 3747

Re: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM

10 years already? HB, BH :D If it were not for Bogleheads and Jack Bogle, the Internet would be just a place to shop. Or who knows what other forum we would have got ourselves attached to. It goes without saying that we have the best financial advice. But I love the way people ask all kinds of quest...
by Christine_NM
Sat Feb 18, 2017 12:44 am
Forum: Personal Consumer Issues
Topic: How do you handle switching your handbag?
Replies: 62
Views: 3993

Re: How do you handle switching your handbag?

My Dad gave me his wallet in 1988, said he didn't use it anymore so I might as well have it. It's a Liberty leather wallet and I've carried it everyday since, still better than new. I put the wallet and car info inside a $10 phone carrier with strap and that's all I need most days. If I need more sp...
by Christine_NM
Fri Feb 17, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: How to recognize self-help, pop-statistics, “Big Idea” books?
Replies: 4
Views: 432

Re: How to recognize self-help, pop-statistics, “Big Idea” books?

The more books of all kinds you read, the better you will be able to spot what category a book is in. Until you are well-read you are pretty much at the mercy of publishers and critics. The only important category is "do I want to read this, am I curious about it?".
by Christine_NM
Thu Feb 16, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella 1 million $500
Replies: 32
Views: 2428

Re: Umbrella 1 million $500

I pay $156 for $1M at State Farm. Keep shopping.
by Christine_NM
Tue Feb 14, 2017 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads not the norm?
Replies: 116
Views: 10720

Re: Bogleheads not the norm?

More people may become boglehead-like with the automatic opt-in 401k plans. A friend knew she had a 401k but no idea how it was invested or how much it had grown. She got a statement and showed it to me. She was automatically invested in a Target 2025 fund from Principal Group (not Vanguard but OK w...
by Christine_NM
Tue Feb 14, 2017 12:23 pm
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 116
Views: 13058

Re: The Wall Street Journal to close Google loophole entirely

Hey! I got the javascript to work on Firefox (Windows 7). I made a New Bookmark (click on an old one to change) as directed. I cannot get past the paywall if I am on wsj.com. But if I google the headline as we used to do, then click on the google listing, I get what looks like the same teaser page y...
by Christine_NM
Mon Feb 13, 2017 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: why invest internationally?
Replies: 72
Views: 3688

Re: why invest internationally?

I cashed out of a cash-cow house in San Diego in 2005, retired, and relocated to Washington State for a while. I didn't know what I was doing and by chance put a good portion of the profit into Fidelity Canada and Latin America. Those funds were earning over 40%, and that carried us through not qui...

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