Search found 2121 matches

by Christine_NM
Sun Feb 07, 2016 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: World-class Worrier Trying to Reassure Another
Replies: 24
Views: 1175

Re: World-class Worrier Trying to Reassure Another

I don't think this is a psych problem, or if it is, it is limited to anxiety around making the decision to retire. I remember running scenarios over and over, work 2 more years, 4 more years, whatever. It all began to blur together and none of the options seemed significantly better than the other e...
by Christine_NM
Sat Feb 06, 2016 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: What percentage of your expenses are covered by SS and/or pensions
Replies: 82
Views: 4885

Re: Retirees: What percentage of your expenses are covered by SS and/or pensions

The short answer is a fixed pension, a small fixed annuity, and SS covered about 95%-110% of expenses including taxes for the first ten years of retirement. That was until RMD time. With the added RMD taxable income, my pension, annuity and SS now cover about 85% of expenses and taxes. This is not a...
by Christine_NM
Thu Feb 04, 2016 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: 55 Single Divorced Female Looking To Invest!
Replies: 9
Views: 886

Re: 55 Single Divorced Female Looking To Invest!

Coles wrote:Wasn't your name "Tom" at one point?
https://www.bogleheads.org/forum/viewtopic.php?f=2&t=141600&p=2097799


Ha. I suppose this could be the ex-Mrs. Tom who got custody of the computer and the BH account. :D
by Christine_NM
Thu Feb 04, 2016 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: 55 Single Divorced Female Looking To Invest!
Replies: 9
Views: 886

Re: 55 Single Divorced Female Looking To Invest!

Do you mean 40% stock/60% bond or the other way round? I had to look up Schwab Intelligent Ps, never heard of it. From what I saw it might be a convenience for someone who already knows what they want and how they want it managed (is there really any such person? or more than three of them? IDK). Ar...
by Christine_NM
Tue Feb 02, 2016 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Contribution by Retiree
Replies: 4
Views: 266

Re: IRA Contribution by Retiree

This has to be decided by the IRS. My employer gives a term life insurance policy as a retiree benefit for which a token premium is box-one taxable income to the retiree during the term. When Roth IRAs came out, it was desirable to put the box-one amount in a Roth. Some retirees asked for and got a ...
by Christine_NM
Sat Jan 30, 2016 2:34 am
Forum: Investing - Theory, News & General
Topic: Who else is holding in cash? [For future investing]
Replies: 66
Views: 4059

Re: Who else is holding in cash?

I missed out on the big buying opportunity of 2008. kelli- Maybe this should tell you something about holding so much cash in hopes of timing a good entry. The old saying is, they don't ring a bell at the top. Same goes for the bottom. I keep 10% cash in good times and bad. Am not holding any cash ...
by Christine_NM
Fri Jan 29, 2016 3:28 am
Forum: Personal Consumer Issues
Topic: Manual can opener recommendation
Replies: 45
Views: 2646

Re: Manual can opener recommendation

I have had two of these, current one since 2008, still works well. No snags, knob turns smoothly, always catches the rim of the can: http://www.amazon.com/OXO-58081-SteeL-Can-Opener/dp/B00004OCMM/ref=sr_1_15?s=home-garden&ie=UTF8&qid=1454055457&sr=1-15&keywords=oxo+steel Another grea...
by Christine_NM
Thu Jan 28, 2016 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Time for another job?
Replies: 10
Views: 1822

Re: Time for another job?

Try not to take it personally. It sounds like many small companies, altho I do not know from experience, I always worked for mid-to-large employers with highly regimented performance review and grade review. Believe me, that is no picnic either. At 37 don't wait too long to change. You are just at t...
by Christine_NM
Thu Jan 28, 2016 1:06 pm
Forum: Personal Consumer Issues
Topic: Most efficient way to improve my writing ability?
Replies: 56
Views: 2577

Re: Most efficient way to improve my writing ability?

Hire an editor. Every writer needs an editor. So pay someone, maybe an undergrad in the same field, to review your papers and suggest improvements or at least say where things don't read well/look wrong/are confusing. ETA - I don't mean to imply there is a real shortcut. If you were ever going to be...
by Christine_NM
Wed Jan 27, 2016 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Fund v Wellesley in retirement
Replies: 9
Views: 1507

Re: 3 Fund v Wellesley in retirement

dbr wrote:Of course, when it comes to "preserving principal" you really would have to put that capital gains distribution back.


I still reinvest the whole enchilada. Due to withdraw from Wellesley for RMD in 2018.
by Christine_NM
Wed Jan 27, 2016 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Fund v Wellesley in retirement
Replies: 9
Views: 1507

Re: 3 Fund v Wellesley in retirement

the $/share return for 3 Fund is $1.923 (total of the 3 funds distributions) vs Wellesley is $3.38 Wellesley had quite a large capital-gain distribution in 2015. I have not compared it to previous years but my impression is that maybe this year's "income" was a one-off. Try checking anoth...
by Christine_NM
Tue Jan 26, 2016 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Should we do what our FA advises?
Replies: 52
Views: 3454

Re: Should we do what our FA advises?

Do you want each reader to calculate the proposed allocation? It would be nice for you to do it once and add it to your post. Then you will know what it is, and we will know that you know that stock/bond allocation is important. If I understand correctly, most of this money is already at Fidelity an...
by Christine_NM
Mon Jan 25, 2016 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Should we do what our FA advises?
Replies: 52
Views: 3454

Re: Should we do what our FA advises?

If you decide on an LTC policy, Mutual of Omaha is a good place to start looking. I have had an LTC policy bought directly from that company for 17 years. 2016 will be the first "increase" but it is a change in terms and an actual decrease in the premium. I had a policy with an unlimited l...
by Christine_NM
Mon Jan 25, 2016 3:38 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing in Retirement.
Replies: 28
Views: 1964

Re: Rebalancing in Retirement.

Please provide your thoughts on whether a person should rebalance on the downside if they believe they otherwise have sufficient "safe" assets for their life. I have enough safe assets and I still reinvest most fund distributions. I still want to rebalance on the downside but I use fixed-...
by Christine_NM
Mon Jan 25, 2016 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Did the bears eat my retirement? - Sequence of Returns Risk
Replies: 70
Views: 5907

Re: Did the bears eat my retirement? - Sequence of Returns Risk

For sequence of returns risk I cut my stock allocation to 35% for the first 10 years of retirement. Now I am back to 45% stock. Have no idea if it really made a difference, having dodged 2008 but also spent the recovery at 35%. Anyway it did not hurt. Control what you can control and do not lose sle...
by Christine_NM
Mon Jan 25, 2016 12:09 pm
Forum: Investing - Theory, News & General
Topic: The Confounding Bias for Investment Complexity
Replies: 22
Views: 1981

Re: The Confounding Bias for Investment Complexity

..a simple strategy encourages investors to own their decisions.. That's a good way to put it. Another, more familiar way is, "encourages investors to stay the course". On RBDs I like to imagine that Balanced Index is madly buying stocks to get back to 60/40. I don't know if that is true,...
by Christine_NM
Mon Jan 25, 2016 11:37 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2670
Views: 529623

Re: U.S. stocks in freefall

Participants who begin contributing later in life will have an even shorter effective time horizon.


To buy and hold you actually have to buy and then you will have something to hold. Those who do not save should not fault buy-and-hold, but themselves.
by Christine_NM
Sun Jan 24, 2016 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Think my future father in law is giving the wrong advice to my fiance..what should i do?
Replies: 111
Views: 9096

Re: Think my future father in law is giving the wrong advice to my fiance..what should i do?

FIL-to-be is not entirely inconsistent with JPM's "Build Your Portfolio" guidelines here: Build Your Portfolio guidelines In Step 5 there is a sort of Plan B to change allocation in extreme market/economic/personal conditions. The quibble here is whether present conditions warrant a move t...
by Christine_NM
Sat Jan 23, 2016 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement Next Week... Tips?
Replies: 30
Views: 4062

Re: Early Retirement Next Week... Tips?

When you transfer the 401(k) to the IRA, you will probably want to use another Target date fund with a different glide path since you are bailing out way before 2025. Consider an immediate annuity for your lump sum pension plus sale of individual stock proceeds (170k + 70k = 240k). For a 56 yo male ...
by Christine_NM
Fri Jan 22, 2016 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Do you use the service of a CPA or you do your tax yourself?
Replies: 82
Views: 4837

Re: Do you use the service of a CPA or you do your tax yourself?

I used paper forms and then the fillable forms 1966-2009. Since 2009 I have used a CPA as a small luxury and de-stressor.
by Christine_NM
Fri Jan 22, 2016 2:02 pm
Forum: Investing - Theory, News & General
Topic: Jack's nuances. [Jack Bogle vs. fixed income, bonds]
Replies: 44
Views: 3298

Re: Jack's nuances.

It is getting crowded on the head of this pin. The nuances don't matter as much as Jack's advice to set a decent course and stay on it. In other words, ignore Jack. That's another pillar of wisdom. tad - I was referring to the whole thread, not to your posts any more than the others. No need to get...
by Christine_NM
Fri Jan 22, 2016 1:53 pm
Forum: Investing - Theory, News & General
Topic: Jack's nuances. [Jack Bogle vs. fixed income, bonds]
Replies: 44
Views: 3298

Re: Jack's nuances.

It is getting crowded on the head of this pin. The nuances don't matter as much as Jack's advice to set a decent course and stay on it.
by Christine_NM
Fri Jan 22, 2016 12:53 pm
Forum: Investing - Theory, News & General
Topic: Jack's nuances. [Jack Bogle vs. fixed income, bonds]
Replies: 44
Views: 3298

Re: Jack's nuances.

SS - no I didn't count it. In real life it is a tiny amount per month. I would have been misleading myself to put a PV of $300,000 or so more in stocks instead of bonds just because someday I'd have a small SS benefit. Present value is based on interest rates too, and they are much lower now than wh...
by Christine_NM
Wed Jan 20, 2016 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Social security restricted spousal benefits - does my husband need to know?
Replies: 31
Views: 2188

Re: Social security restricted spousal benefits - does my husband need to know?

If I were to get spousal benefits, they would not stop when the divorce was final because divorced spouses can get benefits on their ex-spouse's record without the ex-spouse being notified. Scarlett - My thought was, if you did receive a spousal benefit, say based on the existence of the current di...
by Christine_NM
Wed Jan 20, 2016 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Social security restricted spousal benefits - does my husband need to know?
Replies: 31
Views: 2188

Re: Social security restricted spousal benefits - does my husband need to know?

Sorry for your difficulties. I see two possibilities. First, wait until the divorce is final (and do what you can to speed that up), then file as a divorced spouse. Your ex will not be notified as I understand it. Possibly making some concessions he is looking for would be worth it to expedite the d...
by Christine_NM
Wed Jan 20, 2016 12:00 am
Forum: Personal Consumer Issues
Topic: Retiring and people seem to avoid me
Replies: 66
Views: 7885

Re: Retiring and people seem to aviod me

Yes, I know what you mean. No one expected me to retire. Even the HR person who coordinated my exit process seemed to feel awkward telling me that I was retiring early, as if I did not know it and there might be some mistake. She asked me what I did, like how did I make so much money that I could re...
by Christine_NM
Tue Jan 19, 2016 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: First Deposit
Replies: 16
Views: 1071

Re: First Deposit

Congratulations! You did it right. I hope you have many happy returns from this first deposit. Leave it alone and it may be the most financially productive thing you will ever do because its time in the market will be the longer than your future deposits.
by Christine_NM
Mon Jan 18, 2016 10:08 pm
Forum: Personal Consumer Issues
Topic: What online Email do you use
Replies: 59
Views: 4849

Re: What online Email do you use

follow up question here - Do gmail and Google docs make a tablet a substitute for a PC if all I want is web, email, documents and spreadsheet? Can google docs be transferred to an offline PC Open Office suite via memory stick? Does a tablet have a USB port for a memory stick? Forgive my ignorance an...
by Christine_NM
Mon Jan 18, 2016 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting Help Simplifying RMDs
Replies: 15
Views: 785

Re: Requesting Help Simplifying RMDs

. Maybe an accountant might be what we need, but I would like to avoid that as long as possible. Amen. I believe that once you activate the RMD service it stays active and will recur each year the same way without any more input from you. I fiddle with the withholding tax percentage each year, but ...
by Christine_NM
Mon Jan 18, 2016 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting Help Simplifying RMDs
Replies: 15
Views: 785

Re: Requesting Help Simplifying RMDs

You probably won't like this either, but I have an estimated 2 years worth of RMDs in a Prime MM account in my IRA at the beginning of the year. When I know my safe harbor tax numbers I schedule one RMD for midyear. Most of it goes for all income taxes and the rest goes to a taxable Prime MM account...
by Christine_NM
Sun Jan 17, 2016 1:14 pm
Forum: Personal Consumer Issues
Topic: Strange Odor from Cold Water Only
Replies: 23
Views: 1492

Re: Strange Odor from Cold Water Only

Do you have neighbors with whom you could check to see if they notice the same thing? Not every neighbor will be open to this, but it would separate whether it is your plumbing or the water.
by Christine_NM
Sun Jan 17, 2016 4:27 am
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 93
Views: 133657

Re: Please Try Out Test Posts Here

Asking Portfolio Questions

lb url=https...rbTitle of link lb/url rb
by Christine_NM
Sat Jan 16, 2016 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Buckets for a retiree?
Replies: 55
Views: 4711

Re: Buckets for a retiree?

Congratulations on your retirement. That plan is awful as you know by now. Since this money is not needed for current income, you have a lot of discretion. You will want a ready cash account for mad retiree adventures (or maybe a new car or new roof or someday new teeth :D ). Taking a shot in the da...
by Christine_NM
Sat Jan 16, 2016 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: VFIUX (Intermediate Treasury) vs. VSIGX (Intermediate Government Bond Index)
Replies: 12
Views: 487

Re: VFIUX (Intermediate Treasury) vs. VSIGX (Intermediate Government Bond Index)

VSIGX follows the 3-10 year Barclays as a benchmark. VFIUX follows the 5-10 year Barclays as a benchmark. The latter is 10 years older and has multi-billions in assets. VSIGX has yet to crack 1 billion. I've been comparing these for a couple of years and still can't see much difference. When ready t...
by Christine_NM
Sat Jan 16, 2016 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Best way to buy individual stocks?
Replies: 11
Views: 778

Re: Best way to buy individual stocks?

Try this http://www.giveashare.com/

It seems to register ownership electronically and send a framed certificate. Never used it myself. Put first things first: does the child have a savings account?
by Christine_NM
Fri Jan 15, 2016 8:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2670
Views: 529623

Re: U.S. stocks in freefall

Close call yesterday (Thu) -- almost bought VWO at 29.59 but cancelled the order. Thought it must be near bottom. Today it closed at 28.76. "Buy low, sell high" is meant to be ironic advice, right? We never know what low is until it shows up in the rearview mirror.
by Christine_NM
Fri Jan 15, 2016 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: My 401(K) -13% (1yr)
Replies: 26
Views: 1998

Re: My 401(K) -13% (1yr)

^^^OK. But don't look back too much. Each flip of the coin or roll of the dice is independent of past results. It is pretty much the same with each investment attempt.
by Christine_NM
Fri Jan 15, 2016 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: vanguard tax exempt bond fund recommendations
Replies: 22
Views: 1347

Re: vanguard tax exempt bond fund recommendations

I use VMLUX but I do not pay CA taxes. I like the fund for me but I don't think it is worth the additional state tax exposure for you. ETA - it is priced a bit high right now too, another negative.
by Christine_NM
Fri Jan 15, 2016 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: My 401(K) -13% (1yr)
Replies: 26
Views: 1998

Re: My 401(K) -13% (1yr)

That's a good idea -- change contributions to all equities. Preferably S&P500, but I'll leave that to you. It will do wonders for your "personal performance" percentage, which is not really what matters anyway. It is your savings rate that matters most. If you want more bonds use some ...
by Christine_NM
Wed Jan 13, 2016 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: What exactly is "decanting" a Trust
Replies: 5
Views: 661

Re: What exactly is "decanting" a Trust

From forbes.com via googling "decanting trust" "And, it is common to decant a fine wine from its original container into another container. Decanting of a trust is when the assets of one trust are poured into a new trust. The new trust has terms and provisions that reflect the updates...
by Christine_NM
Wed Jan 13, 2016 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: What age does LBYM (being a big saver) pay off?
Replies: 81
Views: 9782

Re: What age does LBYM (being a big saver) pay off?

Not to derail the topic but I have noticed that this forum has a lot of natural savers and while some have retired early (i.e 45ish) most talk about having been able to retire "early" but throw out ages like 61. Seems to me a natural life time saver should be able to retire much sooner th...
by Christine_NM
Wed Jan 13, 2016 11:44 am
Forum: Personal Finance (Not Investing)
Topic: What age does LBYM (being a big saver) pay off?
Replies: 81
Views: 9782

Re: What age does LBYM (being a big saver) pay off?

You set the goals. You decide when they are met and if it was worth the sacrifice. It was worth it for me when I paid off the mortgage early and started saving beyond retirement accounts. It was worth it for me when I retired a little early at 61. All I did was not buy too much house or too much car...
by Christine_NM
Sat Jan 09, 2016 3:14 pm
Forum: Investing - Theory, News & General
Topic: Is BNDX (total international bond) and its utilization in target date funds terrible?
Replies: 35
Views: 1736

Re: Is BNDX (total international bond) and its utilization in target date funds terrible?

When I am reduced to looking up forward points in Investopedia, the question answers itself. BNDX may not be terrible but it is unsuitable for a mass investment by folks with limited funds and even more limited investing experience. For the old folks like me, how is this different from Jeffrey Vinik...
by Christine_NM
Sat Jan 09, 2016 11:44 am
Forum: Investing - Theory, News & General
Topic: Is BNDX (total international bond) and its utilization in target date funds terrible?
Replies: 35
Views: 1736

Re: Is BNDX (total international bond) and its utilization in target date funds terrible?

nisi wrote: I have to feel that they are doing this because they think they need to internationalize, not because they think U.S. investors need to +1. I could not think of a polite way to say this so I didn't, but the infamous Vanguard paper does seem an obvious overreaction to Mr. Bogle's US-centr...
by Christine_NM
Fri Jan 08, 2016 1:56 pm
Forum: Personal Consumer Issues
Topic: How is Costco's gas so cheap? (15% cheaper in my area)
Replies: 59
Views: 4985

Re: How is Costco's gas so cheap? (15% cheaper in my area)

According to gasbuddy.com, Costco is 1.69-1.70 in my area, but it is by no means the cheapest. Convenience and grocery stores are running at 1.63-1.65. Nobody is over 1.99.
by Christine_NM
Fri Jan 08, 2016 1:35 pm
Forum: Investing - Theory, News & General
Topic: Is BNDX (total international bond) and its utilization in target date funds terrible?
Replies: 35
Views: 1736

Re: Is BNDX (total international bond) and its utilization in target date funds terrible?

BNDX and 40% Total Intl may be right or not in some theoretical sense. Back here in the real world, it seems a huge marketing mistake to offer their funds-of-funds (LifeStrategy and Target Date) all pegged at the same max international allocation. TD and LS are like an ice cream shop with 100 flavor...
by Christine_NM
Thu Jan 07, 2016 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: How concerned do I need to be?
Replies: 22
Views: 2977

Re: How concerned do I need to be?

Advice for new retirees: Remember how you feel now whenever stocks are going up. If you can remember it, a healthy fear will keep you from getting too aggressive with money you need.
by Christine_NM
Thu Jan 07, 2016 6:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2670
Views: 529623

Re: U.S. stocks in freefall

Freefall is so Newtonian. And the modern trading is so Einsteinian. "U.S. stocks fall approaching speed of light and distorting space-time" doesn't have quite the same ring to it. Sample headline: "The Wall Street is bending light, distorting space, and reversing time to retirement.&...
by Christine_NM
Tue Jan 05, 2016 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Job Prospects for English Majors?
Replies: 73
Views: 4957

Re: Job Prospects for English Majors?

Does she want a career or a job? Or is she focused on staying in an area where she knows she can do the course work? She needs to explain her thinking to you. I majored in English and did not go to grad school right away. I worked for a newspaper at first. Then every time I wanted a new job I traine...
by Christine_NM
Mon Jan 04, 2016 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Saved half of income last year - struggling to see the point
Replies: 45
Views: 6022

Re: Saved half of income last year - struggling to see the point

The problem may be that you saved without a plan. The point is not only the money itself but also the sense of accomplishment that goes with meeting a goal. Just like working out is boring and you would not see the point unless you had the expectation of getting in or staying in good shape. Make a f...

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