Search found 2564 matches

by Christine_NM
Tue Feb 20, 2018 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: What funds would you pick for 401k?
Replies: 8
Views: 453

Re: What funds would you pick for 401k?

If you have decades to go before you retire, skip the bond fund. Ignore the expensive ( more than .2 % er) and concentrated funds -- stay cheap and diversified. If Core Equity is SP500, go with that. Add some developed markets index if you must. Much later on, take some of your massive stock profits...
by Christine_NM
Sat Feb 17, 2018 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 164
Views: 10605

Re: What has been your most important skill in achieving financial independence?

I've thought about this a lot, now that I'm FI, and I believe learning Excel was the tipping point. I was always willing to save. But until I could model how the future might look numerically I had no idea if I was saving enough, too little or too much.
by Christine_NM
Sat Feb 17, 2018 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 79
Views: 5757

Re: Effect of spending money on appearance in career

notmyhand - Do you belong to a gym? That would help with getting your waistline back and some muscle definition, also with working out anger at the injustice of it all. Lots of haircuts need less care than not-done hair. This would be the most important change. Also, do your nails -- they show -- bu...
by Christine_NM
Tue Feb 13, 2018 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: I'm Lost Please Help Me :(
Replies: 20
Views: 2194

Re: I'm Lost Please Help Me :(

You did not say, but it sounds like you are contributing a minimum to the 401k just to qualify for the match. You might want to up the amount to the max. Your investments in your 20s will have the most time in the market, therefore most likely the best return of your life if you don't blow it all on...
by Christine_NM
Sun Feb 11, 2018 4:12 pm
Forum: Investing - Theory, News & General
Topic: How does one emotionally keep it together during market swings?
Replies: 70
Views: 4106

Re: How does one emotionally keep it together during market swings?

G-

Agree, it's experience. Plus being otherwise financially secure -- you have a secure job or enough cash for your needs. The more fragile your situation, the more likely you are to panic, and perhaps with good reason.
by Christine_NM
Wed Feb 07, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: Water Leak from shower stall - how to detect
Replies: 16
Views: 1226

Re: Water Leak from shower stall - how to detect

The noninvasive method would be to stop using the shower, bleach out the spots if necessary. If any new spots appear then it would not be the shower and you'd need to look elsewhere.
by Christine_NM
Tue Feb 06, 2018 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: just transfered into Vanguard, ok to select new portfolio right now?
Replies: 7
Views: 652

Re: just transfered into Vanguard, ok to select new portfolio right now?

Hi sf - I'd call Vanguard and try to verify what that message means and if it applies to your sale of the Invesco fund. It's too vague for me. Seems crazy to make new people wait 60 days before buying a Vanguard fund. If you have to pay $50 it's not a huge deal and I'd go ahead and do it, but if you...
by Christine_NM
Mon Feb 05, 2018 2:48 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2850
Views: 894225

Re: What Book Are You Currently Reading? Part VI

I've recently read two good ones (National Book Award winners): Sing, Unburied, Sing by Jesmyn Ward. Graceful writing, sympathetic characters. It soon took me away from whatever my preconceptions were, into a true original, imaginative world with many possible interpretations occurring to me as I re...
by Christine_NM
Tue Jan 30, 2018 5:18 pm
Forum: Investing - Theory, News & General
Topic: WSJ: Wall Street to Vanguard: We’re Not Your Doormat [Fidelity charging some plans to hold Vanguard funds]
Replies: 63
Views: 10462

Re: Wall Street Can't Hold Back Vanguard's Low-Fee Ocean

[Post moved into here --admin LadyGeek] Low Fee Ocean There’s no going back. If Wall Street wants to compete, it will have to lower fees. Some firms are already doing it. Merrill Lynch launched a discount broker and robo-adviser last year. Goldman Sachs introduced low-cost smart beta ETFs in 2015, ...
by Christine_NM
Tue Jan 30, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Accepting an offer from an employer who said previously no!
Replies: 30
Views: 3227

Re: Accepting an offer from an employer who said previously no!

Private company sounds flaky. No guarantee they would not let her go after a trial period if they found someone "better". That's apparently what they have just done.

I'd stay with the state job and keep looking elsewhere for desirable work at higher pay.
by Christine_NM
Mon Jan 29, 2018 12:15 pm
Forum: Investing - Theory, News & General
Topic: WSJ: Wall Street to Vanguard: We’re Not Your Doormat [Fidelity charging some plans to hold Vanguard funds]
Replies: 63
Views: 10462

Re: Wall Street to Vanguard: We’re Not Your Doormat

See this thread for making a bookmarklet to read WSJ thru Facebook: viewtopic.php?t=210764 -- without actually being on Facebook.

A few posts down triceratop tells you how to do it. Works for this article.
by Christine_NM
Thu Jan 25, 2018 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Your bond allocation when you were 48
Replies: 125
Views: 6036

Re: Your bond allocation when you were 48

75 stock-25 bond, way back in 1991 (that was a recession year)
by Christine_NM
Tue Jan 23, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: Work-out schedule for those in 60s
Replies: 78
Views: 6387

Re: Work-out schedule for those in 60s

66-year-old female , retired now for 8 years: daily AM walk 2.5 miles 3X a week strength training for 20-25 minutes using mostly machines with some free weights 2X a week water fitness 3-5X a week Zumba daily 20-30 minutes yoga/stretching 15-20 minute easy walk in evening most days biking is my onl...
by Christine_NM
Tue Jan 23, 2018 3:17 am
Forum: Investing - Help with Personal Investments
Topic: Need Advice on my Retirement Portfolio
Replies: 14
Views: 1023

Re: Need Advice on my Retirement Portfolio

Looks like you have created a reasonable facsimile of the LifeStrategy Conservative Growth fund (VSCGX). If you put everything except maybe VDIGX (if you really like that fund) into VSCGX, it will rebalance itself while you sleep, eat, play golf or whatever with no effort on your part. Yes, you woul...
by Christine_NM
Mon Jan 22, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Is Tax CPA really needed for Vanilla Investments ?
Replies: 25
Views: 1792

Re: Is Tax CPA really needed for Vanilla Investments ?

I did my own federal and state taxes from 1965 to 2008, then switched to a CPA for one year and have kept on with the same firm since. I agree filling out the annual form for the CPA is a pain, but I know what to expect and spotcheck on the forms each year, and there have been no errors so far. What...
by Christine_NM
Mon Jan 22, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: Elder Care Issue; Non-emergency assistance
Replies: 28
Views: 1536

Re: Elder Care Issue; Non-emergency assistance

My Dad had ALS and used to fall periodically, not accidents but simply failure of supports being used as he got weaker. He carried a phone in his pocket and called police (I think police, not fire, but depends on the town) to come pick him up. Mom was the caregiver but would not be able to help by h...
by Christine_NM
Mon Jan 22, 2018 1:02 pm
Forum: Investing - Theory, News & General
Topic: The Power of Working Longer
Replies: 77
Views: 9101

Re: The Power of Working Longer

Interesting youtube vid. As I watched, I wanted to ask the presenters and their audience, How many of you believe that your retirement income will be 80% determined by your Social Security PIA? The presenters claim this, give or take a bit depending on work income. I suspect few hands would go up. A...
by Christine_NM
Thu Jan 11, 2018 11:49 am
Forum: Investing - Help with Personal Investments
Topic: "Elderly" New Investor Requests Portfolio Critique
Replies: 11
Views: 972

Re: "Elderly" New Investor Requests Portfolio Critique

I was divided on whether to suggest reducing the 70% stock allocation significantly. I finally decided to suggest a 50% stock allocation at retirement. Reduce to 65% now, then gradually glidepath to 50% or so at retirement. Or to make life simple, use a Target date fund that will do that for you, al...
by Christine_NM
Wed Jan 10, 2018 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: "Elderly" New Investor Requests Portfolio Critique
Replies: 11
Views: 972

Re: "Elderly" New Investor Requests Portfolio Critique

I'm working on a reply but meanwhile, here's a bump to get others' attention.
by Christine_NM
Mon Jan 08, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: Hot Water Delay at faucet/shower far from water heater
Replies: 100
Views: 6667

Re: Hot Water Delay at faucet/shower far from water heater

I had a Grundfos recirc pump installed with my new water heater last month. Haven't got the bills yet, should be less water. I like actually having instant hot water instead of just pretending. Have not noticed any problem with fridge water -- I use the water dispenser more than before to cool down ...
by Christine_NM
Fri Jan 05, 2018 3:58 pm
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 145
Views: 6088

Re: Misuse of adverse

See this for the difference between averse and adverse, which actually makes sense even if its source is from 1906: https://www.etymonline.com/word/averse

Don't get me started, I could look up etymologies all day long. Fascinating.
by Christine_NM
Fri Jan 05, 2018 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need $$ in taxable?
Replies: 26
Views: 4134

Re: Do I need $$ in taxable?

You can only do tax-loss harvesting in a taxable account. I know this is not a big topic right now, but I'm still using up my realized losses from a few years ago. If you don't care about that, then a Roth is much the same as a taxable account (with no taxes). I think of my Roth as an agressive acco...
by Christine_NM
Tue Jan 02, 2018 4:06 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 144
Views: 8752

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

Rows 189 and 190 on the spreadsheet are identical, both mine -- sorry about that. Feel free to delete one. Or delete both and I will resubmit the form.
by Christine_NM
Thu Dec 28, 2017 2:56 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle and Vanguard’s $5,000,000,000,000 Question - Philadelphia Magazine
Replies: 41
Views: 6324

Re: Jack Bogle and Vanguard’s $5,000,000,000,000 Question - Philadelphia Magazine

I have to laugh at the response to Jack's speculation that Vgd has gotten too big -- "He has not been CEO for over 20 years, " what does he know. That response is a better statement of the problem than asset size. Jack is not in management and the ethos is changing. Vgd has done great by me but I am...
by Christine_NM
Fri Dec 22, 2017 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 21389

Re: Do you see a meaningful change in your income with new Tax Bill?

According to taxplancalulator.com I will save $281 in fed tax for 2018. IOW, unch.

I'm working off a large charitable deduction carryover right now, so the effects won't be clear for several years. In 2019 I expect my bracket will increase from 22% to whatever the next one is.
by Christine_NM
Wed Dec 20, 2017 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 51102

Re: Tax Bill Omnibus Thread

As a personal side note, it was this tax bill that drove me to pragmatically set up a DAF, but I experienced nearly overwhelming feelings of gratitude and humility after pulling the trigger on this large-scale (for me) gift. Even if it is really just lumping what I might have done anyway! :happy Ye...
by Christine_NM
Wed Dec 20, 2017 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 51102

Re: Tax Bill Omnibus Thread

This is a good comparison of Schedule A before and after, published today in Forbes: https://www.forbes.com/sites/kellyphillipserb/2017/12/20/what-your-itemized-deductions-on-schedule-a-will-look-like-after-tax-reform/#79f5a236334b The article misses an important miscellaneous deduction for investo...
by Christine_NM
Wed Dec 20, 2017 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 51102

Re: Tax Bill Omnibus Thread

This is a good comparison of Schedule A before and after, published today in Forbes: https://www.forbes.com/sites/kellyphill ... f5a236334b
by Christine_NM
Sat Dec 09, 2017 4:24 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard switching all accounts to brokerage accounts?
Replies: 65
Views: 9232

Re: Why is Vanguard switching all accounts to brokerage accounts?

Last month the upgrade button appeared on my Roth IRA along with the nag box about upgrading when I log in. I have 3 account registrations (taxable, traditional IRA, Roth IRA). I never imagined that the upgrade would happen with only one account reg at a time. I care absolutely nothing about doing t...
by Christine_NM
Tue Dec 05, 2017 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Medicare and retirement for high earner
Replies: 49
Views: 2554

Re: Medicare and retirement for high earner

As a DIYer in all respects except income tax, I did not know about IRMAA until it applied to me, when I got a nice letter from the SSA explaining about MAGI-based Medicare premiums. I adjusted quickly, because it is not too much to pay if you have the money. But I would be annoyed too if I had paid ...
by Christine_NM
Sun Dec 03, 2017 8:19 pm
Forum: Personal Consumer Issues
Topic: Suggested reading for Norwegian coast trip
Replies: 18
Views: 1083

Re: Suggested reading for Norwegian coast trip

Don't miss We Die Alone, trip or no trip. I read it years ago and it is one of those few books that you do not forget.
by Christine_NM
Sat Dec 02, 2017 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: How will i be taxed when switching jobs?
Replies: 25
Views: 1536

Re: How will i be taxed when switching jobs?

The amount of withholding tax is determined by how you fill out your w-4 with the new employer. You can add a couple of phantom dependents to reduce withholding as long as your 1040 is done correctly. Or you can wait for the refund. Your w-4 can be redone/fine-tuned throughout the year to control wi...
by Christine_NM
Fri Dec 01, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 11287

Re: Price of haircut?

$50 + tax + $20 tip for shampoo, cut, blow-dry styling every 5-6 weeks. Average COL area. I could get it done cheaper or more expensively at other places.
by Christine_NM
Wed Nov 29, 2017 9:40 pm
Forum: Investing - Theory, News & General
Topic: Investing for an elderly parent
Replies: 11
Views: 1074

Re: Investing for an elderly parent

Normally we might suggest a muni bond fund in a taxable account, but apparently there is some possibility that muni bond interest will not have the same tax-free status that it has had. I'd park it in cash for now and not be in a rush to invest if the return is not essential to her income.
by Christine_NM
Wed Nov 29, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: Does it make sense to drop health insurance?
Replies: 198
Views: 8045

Re: Does it make sense to drop health insurance?

OP - I don't see the important number for the policy you would be using -- what is the maximum out of pocket annual cost to you and your family, after which insurance pays everything? If MOOP is 50k, for example, that is the most you would spend in any one year on healthcare. Compare that with the o...
by Christine_NM
Sat Nov 25, 2017 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: The fallacy of spending money on "experiences" vs hard assets
Replies: 336
Views: 19239

Re: The fallacy of spending money on "experiences" vs hard assets

I read somewhere that TV and home theater are the neurological equivalent of sitting and staring at a blank wall. Most of your brain doesn't participate.

Experiences like vacations or just walks engage all your brain. Not to mention they are only time your kids will remember you outside of the home.
by Christine_NM
Fri Nov 24, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Regrets for taking SS at 62 or waiting?
Replies: 100
Views: 9874

Re: Regrets for taking SS at 62 or waiting?

The serious mistake would be to retire and immediately need all your income streams at once. Something has to be left alone to grow, whether SS, IRA, taxable or deferred annuity. No serious regrets here for taking at 62. It's a gamble, but if you have meaningful savings it's pretty low-risk. Yes, th...
by Christine_NM
Wed Nov 22, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Best vehicle for seniors?
Replies: 73
Views: 6405

Re: Best vehicle for seniors?

I'm 74 and don't like to climb up too high to get in, nor do I want to sit too low. Seat height has to be just right. The best parts of my 2017 car that I would not have cared about 10 years ago are (1) the 16-inch wheels instead of 14-inch, (2) power seat controls for driver's seat, and (3) rear ca...
by Christine_NM
Wed Nov 22, 2017 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 13033

Re: Help DW gets fired, but then next day her boss offers her job back

barnaclebob - In my state it's hours cut only, that is, you become partially unemployed, you can file a claim. Then employer's costs go up a little.
by Christine_NM
Wed Nov 22, 2017 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 13033

Re: Help DW gets fired, but then next day her boss offers her job back

If she does not take the -25% "offer", she's quitting and the employer's state UI costs will not rise. The more claims an employer's former employees make, the more it has to pay into state UI. Maybe the boss didn't think about that when he hatched this scheme to replace her :? , and now cuts salary...
by Christine_NM
Sun Nov 19, 2017 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: How to take income from IRA?
Replies: 8
Views: 652

Re: How to take income from IRA?

I've worked out 2 rules for RMDs, they may be important to you or not. 1. For high-dividend and high-income funds, continue reinvesting fund distributions to get maximum return from the fund. 2. Transfer the RMD from a money market fund in the IRA to a mmf in a taxable account. To build up the RMD a...
by Christine_NM
Thu Nov 02, 2017 3:11 pm
Forum: Personal Consumer Issues
Topic: Bank accounts and minors
Replies: 11
Views: 597

Re: Bank accounts and minors

Agree with CAsage, make a big deal of it. All parents and grandparents on deck if possible. Take her to a bricks and mortar credit union/bank and open a savings account. Give her the paperwork to keep. Tell her it will grow even if she does not add to it, but she can add more, like birthday money, i...
by Christine_NM
Fri Oct 27, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Warm Shirt for Winter
Replies: 41
Views: 4504

Re: Warm Shirt for Winter

Another vote for LL Bean's fleece-lined flannel shirts. Also, their merino wool cardigans are not bulky at all, and very warm. Those are my mainstays.

As for price, it's reasonable because nothing from Beans wears out. Hemming on other brands starts to unravel after a few washes.
by Christine_NM
Thu Oct 26, 2017 1:11 am
Forum: Investing - Help with Personal Investments
Topic: Should you rebalance when you’re in your seventies?
Replies: 25
Views: 2753

Re: Should you rebalance when you’re in your seventies?

LOL at 10 years life expectancy. That has been my personal life expectancy for the past 5 years. I can't make the leap to decreasing below 10. All we can say is, so far so good.

Most of my investments are in balanced funds so they take care of themselves.
by Christine_NM
Tue Oct 24, 2017 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Is this "Earned Income," or not?
Replies: 43
Views: 2378

Re: Is this "Earned Income," or not?

Here's the issue as seen by Turbo Tax: https://ttlc.intuit.com/questions/2803243-my-daughter-made-a-few-thousand-dollars-of-horse-show-prize-winnings-but-the-entry-fees-were-in-total-greater-than-the-winnings Hobby expenses are a possible deduction up to prize winnings but subject to the "hobby loss...
by Christine_NM
Tue Oct 24, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Cold feet
Replies: 23
Views: 2597

Re: Cold feet

It took me a while to figure this out, but for me the feet are where I feel the cold, but the problem starts happening farther up on the legs. I therefore do a combination of tall wool socks and a base layer (sporty long undies, basically) under my pants. Likewise. Last winter I discovered I did no...
by Christine_NM
Sat Oct 21, 2017 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 219
Views: 27097

Re: Does anyone here with net worths north of $1 mil use financial advisors?

Yet another perspective -- single women are not a big target for financial advisors, so I rarely had anyone trying to sell me anything. Thanks to FA disinterest, I'm north of $2 mil just by saving, mostly into S&P 500 while working and now just use Bogleheads for ideas/keeping up. The idea that you ...
by Christine_NM
Fri Oct 20, 2017 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: I have to fire someone that I care about personally
Replies: 83
Views: 5821

Re: I have to fire someone that I care about personally

Sorry, gguy, but are you expecting your lead singer to carry a band that has no stage presence? Recent bands I've seen tend to have dirty hair, dress in rags, and look down at the floor. Hope that is not like you. You know that women can alter their appearance in remarkable ways. Have you talked abo...
by Christine_NM
Tue Oct 17, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 86
Views: 6444

Re: What do you buy in Asian food stores?

I buy Chinese goat and sable watercolor brushes that aren't sold in art supply stores at Talin Market (local asian market).