Search found 2298 matches

by Christine_NM
Fri Aug 19, 2016 3:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3109
Views: 705483

Re: U.S. stocks in freefall

The quandl chart is inflation-adjusted earnings. Price of course was a different story in 1929.
by Christine_NM
Fri Aug 19, 2016 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review ?
Replies: 23
Views: 2001

Re: Portfolio Review ?

The 25% international should be divided into hedged and unhedged. That is, hold both Global Min Vol and Total International. The proportion is largely a matter of opinion. Having two bond funds is a good idea, but those are not the two I would pick. When you say 25% international, are you talking a...
by Christine_NM
Thu Aug 18, 2016 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Can I rollover funds from DB to an Index Fund?
Replies: 3
Views: 267

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

I can see how the terms might be confusing. But an "index fund" is a mutual fund that follows an index. So yes, you can rollover to an appropriate type of account, and inside that account you can hold an index mutual fund. Give the advisor another chance (I do not often say that) because i...
by Christine_NM
Thu Aug 18, 2016 12:36 pm
Forum: Personal Consumer Issues
Topic: Identity Theft...be proactive, don't panic
Replies: 10
Views: 1138

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

Very good advice. I had identity theft back in 2013. Won't go into the details now but I filed a police report and the prosecutor took on this case. It was stolen credit card access checks. I wound up testifying before a jury panel. The crook had to do restitution. Dumb question, slightly OT: is th...
by Christine_NM
Wed Aug 17, 2016 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Help. My boss is expecting me to read her mind.
Replies: 53
Views: 3365

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

Yes, she told me I should reject the invoice and have the employee spell out EMC That is plain wrong on her part. Sometimes bosses make mistakes. We are all going through an acronym invasion that is changing the language. Most of the time it does not matter but it happens to affect your job. For tr...
by Christine_NM
Mon Aug 15, 2016 4:15 pm
Forum: Personal Consumer Issues
Topic: Request for recommendations: English Mystery TV series
Replies: 74
Views: 4021

Re: Request for recommendations: English Mystery TV series

I really enjoyed "Happy Valley" and "Last Tango in Halifax" with Sarah Lancashire. burt I wouldn't consider Last Tango in Halifax a mystery series by any stretch of the imagination. Tango is a darn good show, even without dead bodies (except for the one). I was wondering whether...
by Christine_NM
Sat Aug 13, 2016 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review ?
Replies: 23
Views: 2001

Re: Portfolio Review ?

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

Having two bond funds is a good idea, but those are not the two I would pick.
by Christine_NM
Wed Aug 10, 2016 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Mom wants to invest large sums into CD
Replies: 39
Views: 3639

Re: Mom wants to invest large sums into CD

What would I do? I have $1M in taxable Balanced Index so that is what I did, gradually, not lump sum. But my Mother liked T bills and CDs and savings accounts, only 25% of her portfolio was in stock funds. What you or I would do is not right for our mothers. Yes, a local low cost adviser who can exp...
by Christine_NM
Tue Aug 09, 2016 1:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - why don't I 'feel' good about them?
Replies: 36
Views: 3434

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

I want to embrace Vanguard, I really do. Help me to do so! HAHA I think you want to stay at Fidelity. No big deal. Stay. If you want something else to think about, think how your behavior is influenced by feel-good brand names. Anyone can save a lot of money, lots more than one basis point of ER, b...
by Christine_NM
Sat Aug 06, 2016 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 167
Views: 12812

Re: SSA MANDATORY cell phone based multifactor authentication

Took 60 Seconds to have text sent. Good To Go. I like the new security feature :sharebeer It's not a security feature, since it adds no security. This is what I am wondering. I have not added 2FA to my Vanguard login but now that I have a Google Voice number I guess I could. (No cell phone. Tried i...
by Christine_NM
Fri Aug 05, 2016 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell taxable account?
Replies: 6
Views: 737

Re: Should I sell taxable account?

Cap gains rate may not always be zero for 15% income tax bracket. Sell FT while you can do it tax-free and put the proceeds into Roths, also tax-free. Your grandfather would want you to do this. :happy
by Christine_NM
Fri Aug 05, 2016 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell taxable account?
Replies: 6
Views: 737

Re: Should I sell taxable account?

I would cash out the FT fund and add to the emergency fund for now. When you are settled and do not need the emergency fund, do the Roth contributions for this year. You have until April 2017 I believe. With any luck you can make the 2017 contributions early. It is nice to make early Roth contributi...
by Christine_NM
Tue Aug 02, 2016 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 167
Views: 12812

Re: SSA MANDATORY cell phone based multifactor authentication

z -

The forwarding-to-email step is really not necessary anyway. The SSA text message with the login code shows up in your Google Voice inbox. Sending it to a desired email account is an extra convenience.
by Christine_NM
Tue Aug 02, 2016 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 167
Views: 12812

Re: SSA MANDATORY cell phone based multifactor authentication

zaplunken -

Go to Settings (gear-wheel icon in upper right of Google Voice) to edit your options and substitute a different email account. GL
by Christine_NM
Mon Aug 01, 2016 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable Gift Annuity Higher Payments Than Standard Annuity
Replies: 10
Views: 516

Re: Charitable Gift Annuity Higher Payments Than Standard Annuity

Dodec - No, not that one. I will put guessers out of their misery -- it's Smith College. Slightly larger than Wellesley (more alumnae, more funding). Our 2015 bond issue rating was Aa1 -- have no idea what it was before that. Yes it is important not to expect to fund one's whole retirement with a gi...
by Christine_NM
Mon Aug 01, 2016 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable Gift Annuity Higher Payments Than Standard Annuity
Replies: 10
Views: 516

Re: Charitable Gift Annuity Higher Payments Than Standard Annuity

Dan - I get $20,900 per year in annuity payments from my alma mater. Of course I gave them more than they will ever give me, and some of the annuity I give back as a regular donation. Big tax breaks tho. The funny thing was, the Moody's rating, also Aa1, said it was that high mainly because of large...
by Christine_NM
Sat Jul 30, 2016 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 167
Views: 12812

Re: SSA MANDATORY cell phone based multifactor authentication

Thx mptfan, I now have a google voice number that will send any text messages to my usual email account. So now I just give SSA the GV number as my cell phone number and I will get the login code? We shall see. I tried to logon to my Social Security on today, July 30, and evidently the two-factor a...
by Christine_NM
Sat Jul 30, 2016 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in 6 months ...Why should I pay $13,500/year to a Financial Advisor?
Replies: 43
Views: 4634

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

I went to an advisor at my credit union for a portfolio review once before retirement to confirm that I would NOT work well with an advisor. My suspicions were confirmed. It is a great luxury and well worth $400 to have a CPA do my taxes every year. Otherwise I stick with what I know and a minimal n...
by Christine_NM
Sat Jul 30, 2016 10:03 am
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 167
Views: 12812

Re: SSA MANDATORY cell phone based multifactor authentication

I don't see how this can stand given the there are those that use web but don't have a cell phone. You don't need a cell phone to get texts, you just need a phone number and and internet connection. You can get a google voice number for free and get texts over the web, or have the texts sent direct...
by Christine_NM
Fri Jul 29, 2016 6:23 pm
Forum: Personal Consumer Issues
Topic: Never owned a cell phone.
Replies: 41
Views: 1888

Re: Never owned a cell phone.

The annoying part is that it's a phone but you have to have a text phone, not just any cell phone. Curmudgeon/luddite signing off now.. Wait... What does "text phone" mean? The most basic throwaway prepaid flip phone can send and receive text messages. Not sure that there is any cellphone...
by Christine_NM
Fri Jul 29, 2016 6:06 pm
Forum: Personal Consumer Issues
Topic: Never owned a cell phone.
Replies: 41
Views: 1888

Re: Never owned a cell phone.

drk- The news release about cell phones and SSA said that other methods of 2 factor authentication would be coming later on. I take this to mean e-mail or landline. I do not really need my online SSA account so I am waiting for other means of receiving a login code. Like you I have never had a cell ...
by Christine_NM
Thu Jul 28, 2016 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: 100 % Wellesley Admiral (VWIAX)?
Replies: 35
Views: 3982

Re: 100 % Wellesley Admiral (VWIAX)?

dbr - thanks for the reply. What I wrote could be confusing because of my own confusion in how to think about RMDs taken from Wellesley, either by sale of shares or by dripping distributions into a money market fund. Of course the effect is the same either way, I am reducing my stake in Wellesley. L...
by Christine_NM
Thu Jul 28, 2016 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: 100 % Wellesley Admiral (VWIAX)?
Replies: 35
Views: 3982

Re: 100 % Wellesley Admiral (VWIAX)?

My TIRA has reached 90% Wellesley, 10% 500 Index after using up individual bonds for rmds. So I am at the point where I can't reinvest in it. Dividends and cap gains will go to a money market fund and (almost) be enough for the RMD. The couple thousand shortfall I will take from 500 Index. This is a...
by Christine_NM
Thu Jul 28, 2016 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: asking for a higher hourly rate after interview
Replies: 30
Views: 2134

Re: asking for a higher hourly rate after interview

Unless you can look yourself in the mirror and say that you knew EVERYTHING about the position without the interviews, then the money is still up for negotiation. One definitely learns a lot in an in-person visit! Suggest giving this one a pass as it sounds like you are not desperate for job anyway...
by Christine_NM
Mon Jul 25, 2016 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement for Women(?)
Replies: 34
Views: 3368

Re: Retirement for Women(?)

Women live longer than men, but some women may be able to live more frugally, for example, by doing their own cooking and cleaning, sharing an apartment with other women, living with the family. More generally, women seem to shy away from hard sciences and even simple mathematics involved in person...
by Christine_NM
Mon Jul 25, 2016 9:48 am
Forum: Personal Finance (Not Investing)
Topic: House value vs Net worth %?
Replies: 21
Views: 2327

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: 10
Views: 709

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: 2084

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: 1735

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: 942

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: 251

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: 2806

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: 4038

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: 2417

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: 8072

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: 13086

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: 2894

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: 3765

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: 550

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: 933

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: 3335

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: 4090

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: 5617

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: 1795

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: 849

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: 3386

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: 327

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: 1658

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: 1064

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.

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