Search found 2594 matches

by Christine_NM
Sat Oct 06, 2018 2:42 pm
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 4627

Re: Should I, and how, act on changes in managing diet and health?

this is a trend, but the big food companies are way ahead of you. They sell most of both the good and bad foods everywhere in proportion to demand. Total Stock Market gets the job done. So from an investing standpoint it doesn't matter. Coke used to sell cocaine in a bottle (c. 1900?) now they sell ...
by Christine_NM
Sun Sep 16, 2018 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Am I "buying high" if I transfer stable value funds over to stock index fund now?
Replies: 26
Views: 1941

Re: Am I "buying high" if I transfer stable value funds over to stock index fund now?

Do you have any taxable investment accounts or is everything in the 401k? If you have a taxable account you could put it all in an index fund in order to rebalance toward 50/50. Unless there would be cap gains taxes. That's why we need the Asking Portfolio Questions format to show all the possibilit...
by Christine_NM
Fri Aug 31, 2018 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Will I ever sell Ibonds from 2001 - 3% fixed
Replies: 78
Views: 5227

Re: Will I ever sell Ibonds from 2001 - 3% fixed

One data point here. This year I cashed in my youngest I bonds (they had doubled in value) to buy 5-figure Ekornes sofa and chairs. It felt painless. Even better, the pain in my back from a saggy old sofa is gone. In 2019 my EE bonds will double and I'll cash them to add to my "buy things I consider...
by Christine_NM
Tue Aug 21, 2018 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Co-habitation agreement - ??
Replies: 103
Views: 6490

Re: Co-habitation agreement - ??

Rather than a cohabitation agreement and a lot of strings attached for each of them, she could say no, not now, to his moving in. See how fast he cools off. I'm guessing that he thinks the relationship is OK and could withstand having him upgrade to her home. Anyway, a piece of paper is not going to...
by Christine_NM
Sun Jul 29, 2018 11:47 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Dump a Pile of Money on Young Son?
Replies: 157
Views: 14029

Re: Should I Dump a Pile of Money on Young Son?

Agree on the new car. Obviously son has high risk tolerance, but 22 yo car is pushing it. They aren't meant to last that long. I'm the third generation on Mom's side to pass on inheritance by giving the gift tax-exempt maximum ($14k per year I think, I'm only giving $1000/month to the next generatio...
by Christine_NM
Tue Jun 26, 2018 11:32 am
Forum: Personal Finance (Not Investing)
Topic: This is ridiculously expensive LTCi, right? Or maybe not?
Replies: 78
Views: 4656

Re: This is ridiculously expensive LTCi, right? Or maybe not?

WoW - The company is Mutual of Omaha, and is not bankrupt. The mandated change from lifetime to 5 year ltci was no great hardship to me because the policy was so much cheaper (bought when younger) than the OP's mom's policy. My current 5 year policy is cheaper still. I could always have cancelled th...
by Christine_NM
Sat Jun 23, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: This is ridiculously expensive LTCi, right? Or maybe not?
Replies: 78
Views: 4656

Re: This is ridiculously expensive LTCi, right? Or maybe not?

I am in the same situation as your mom regarding age, portfolio, and ltci. I bought a lifetime benefit policy with 5% inflation rider almost 20 years ago. It cost less than a tenth of your mom's policy. However, 3 years ago the company no longer would insure for a lifetime benefit, so now I have a ...
by Christine_NM
Sat Jun 23, 2018 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: This is ridiculously expensive LTCi, right? Or maybe not?
Replies: 78
Views: 4656

Re: This is ridiculously expensive LTCi, right? Or maybe not?

I am in the same situation as your mom regarding age, portfolio, and ltci. I bought a lifetime benefit policy with 5% inflation rider almost 20 years ago. It cost less than a tenth of your mom's policy. However, 3 years ago the company no longer would insure for a lifetime benefit, so now I have a 5...
by Christine_NM
Sat May 26, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Leave career (fortune 200) and join the peace corps?
Replies: 29
Views: 3668

Re: Leave career (fortune 200) and join the peace corps?

Thanks for the correction, sailaway. Here's a replacement link with info on volunteering: https://www.peacecorps.gov/volunteer/benefits/ ... no TSP mentioned.

These look more like the benefits for volunteers I'd heard about years ago.
by Christine_NM
Sat May 26, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Leave career (fortune 200) and join the peace corps?
Replies: 29
Views: 3668

Re: Leave career (fortune 200) and join the peace corps?

See this for Peace Corps compensation and benefits: https://www.peacecorps.gov/about/agency-jobs/salary-and-benefits/ As you may know, you can save 10% of salary in TSP. Not trying to push you out of your job or anything, but maybe you could do a Peace Corps blog and give us the link. (Not sure if f...
by Christine_NM
Sun May 13, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Cancer - tips?
Replies: 37
Views: 7333

Re: Cancer - tips?

Depending on what your physicians are planning to do I would encourage you to think about what the limits of your care should be..... Most people do not do this and I see the consequences in their distraught family every day. Whoa. It is too early to think about limits. Let OP finish treatment and ...
by Christine_NM
Fri May 11, 2018 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: "Patient paid amount" for month of death in nursing home?
Replies: 33
Views: 4300

Re: "Patient paid amount" for month of death in nursing home?

Different benefits are paid on different schedules. If it was her own SS benefit, it would be paid in March for the full month of February (assuming she died on or after March 1) and the home could keep it. I'm guessing she was receiving SS survivor benefit, and since she died in March and the payme...
by Christine_NM
Tue May 08, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Do you know anyone unhappy in a CCRC?
Replies: 41
Views: 5146

Re: Do you know anyone unhappy in a CCRC?

I know of a man who tried out a CCRC at age 90 with his wife at the insistence of his kids, and moved back into his own house after a month, getting full refund. A few years passed, wife passed, and in 2018 the kids tried again to get him to move. He sold off furniture and belongings, but not the ho...
by Christine_NM
Thu May 03, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: Do you use computer glasses?
Replies: 16
Views: 1566

Re: Do you use computer glasses?

I use +1 for computer and +2 for reading print or kindle. I tried computer glasses that block blue light but they did not agree with me -- don't know what was wrong. Might have been the narrow but too-thick dark plastic frame intruded too much in my visual field. Now I'm using a thin metal frame wit...
by Christine_NM
Wed May 02, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 12021

Re: Have you quit eating sugar? Tell me how!

I've reduced sugar by basically eliminating categories of foods and adding better ones, like more tea, legumes, whole fruit, veg. I used to eat rice but now find I prefer pasta with beans and vegetables. Real pasta made with semolina, whatever that is. As others have mentioned, a few nuts, one hard-...
by Christine_NM
Tue May 01, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 10303

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

I've done solo road trips but not at 19. At that age I told my parents nothing, they could not have handled it. They were happier not knowing. One thing about this thread puzzles me, why does DD have to call gasdoc? If parents needs reassurance, why do they not call her cell phone? Let's face it, ga...
by Christine_NM
Sun Apr 29, 2018 1:51 pm
Forum: Investing - Theory, News & General
Topic: What's wrong with this critique of indexing?
Replies: 124
Views: 9911

Re: What's wrong with this critique of indexing?

It's the combination of smallness, low profitability, and high investment that makes for a higher risk profile according to what I can make of the five-factor model. Beware, this is a vast oversimplification. I believe that high profitability and low investment have meant higher returns in backtest...
by Christine_NM
Sun Apr 29, 2018 1:29 pm
Forum: Investing - Theory, News & General
Topic: What's wrong with this critique of indexing?
Replies: 124
Views: 9911

Re: What's wrong with this critique of indexing?

How do you define risk? In Fama's view, risk is multidimensional and defined as a weighting on one of the five factors. profitability is one of the factors in the five factors model: why are profitable firms more risky? It's the combination of smallness, low profitability, and high investment that ...
by Christine_NM
Sun Apr 29, 2018 12:09 pm
Forum: Investing - Theory, News & General
Topic: What's wrong with this critique of indexing?
Replies: 124
Views: 9911

Re: What's wrong with this critique of indexing?

Interesting arguments. I've been indexing since 1982 when I started with the S&P 500. Switched to total market in 2002. The top ten holdings have changed many times. Exxon and JNJ are possibly the only consistent top (somewhat overweighted) caps over that time. Oil and bandaids are what keeps the wo...
by Christine_NM
Sun Apr 22, 2018 4:25 pm
Forum: Investing - Theory, News & General
Topic: -- Mixed Mutual Funds
Replies: 4
Views: 409

Re: -- Mixed Mutual Funds

Count the actual allocation. If you have $10k in Fund A with a 60/40 allocation, count $6k as stock and $4k as bond. $10k in Fund B with a 25/75 allocation would be $2500 stock, $7500 bond. That's $8500 stock and $11500 bond for a total allocation of 43% stock (8500/20000), 57% bond (11500/20000). I...
by Christine_NM
Wed Apr 18, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Broke up with my girlfriend for financial reasons: crazy?
Replies: 53
Views: 4170

Re: Broke up with my girlfriend for financial reasons: crazy?

The red flag to me in this post is that she bought a $50K Audi car on a $35K salary. That's not an LBYM lifestyle. That she expected you to pay for the $40 for dinner is a cultural norm and I am inclined to ignore that as the 'cause' of the breakup. Breaking up may be the ultimately the right choic...
by Christine_NM
Wed Apr 18, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Broke up with my girlfriend for financial reasons: crazy?
Replies: 53
Views: 4170

Re: Broke up with my girlfriend for financial reasons: crazy?

"she didn't feel like cooking dinner"

Do you cook? If you'd been able to, you could have avoided the whole unfortunate mess. You are not ready for marriage yet imho.
by Christine_NM
Tue Apr 10, 2018 11:27 am
Forum: Investing - Theory, News & General
Topic: Retirees: Who's increasing their equities as they age?
Replies: 74
Views: 6638

Re: Retirees: Who's increasing their equities as they age?

When I retired I had 35% equities, lowest ever. Now it's theoretically 45%, like OP, and in reality 47%. No desire to put new money in equities -- I'm looking for enjoyable/useful ways to spend extra income and dividends. I've added relatively small amounts to riskier equity funds from the distribut...
by Christine_NM
Sat Mar 24, 2018 3:45 pm
Forum: Investing - Theory, News & General
Topic: I’m looking for a word...
Replies: 114
Views: 10773

Re: I’m looking for a word...

Irrational exuberance? Not quite. I like the Flash Boys effect, but I just made it up.

Funny that we all know what you mean but there is no precise phrase.

It's all under the heading Extraordinary Popular Delusions and the Madness of Crowds. Dutch tulip, anyone?
by Christine_NM
Thu Mar 15, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Shampoo for silver/grey hair
Replies: 17
Views: 2898

Re: Shampoo for silver/grey hair

Ah. Thanks, littlebird, good to know. Guess I'll pass on the purple shampoo.

I like TJ's tea tree oil shampoo for a hand soap. Nicer feeling and smelling than the tea tree body wash.
by Christine_NM
Thu Mar 15, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Shampoo for silver/grey hair
Replies: 17
Views: 2898

Re: Shampoo for silver/grey hair

Has anyone tried purple shampoo? The idea is that it cancels out the yellow pigment of creme-type shampoos and other hair products by adding blue pigment. Is this the infamous blue rinse? Did the vinegar rinse work well? I have a lot of gray but still mostly brown. Now it has a reddish cast, probabl...
by Christine_NM
Mon Feb 26, 2018 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: 66 yr old Woman Needs HELP!
Replies: 68
Views: 4327

Re: 66 yr old Woman Needs HELP!

... you need calm, professional assistance, rather than reading a bunch of blogs, forums, and articles online. You don't need to tackle this alone - get qualified help... It's tempting to believe this. But, sorry, most advisors are no better than this forum, and a lot are worse. Ultimately it is OP...
by Christine_NM
Mon Feb 26, 2018 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: 66 yr old Woman Needs HELP!
Replies: 68
Views: 4327

Re: 66 yr old Woman Needs HELP!

If I put all my money in Target Income Fund or Wellesly or 50/50, would I have the same tax implications that I would if I went with a PAS advisor?? If the tax savings wouldn't be that much with PAS, I would gladly place 600k in Target Income and/or Wellesly Income today. Seriously. The only reason...
by Christine_NM
Mon Feb 26, 2018 11:54 am
Forum: Investing - Help with Personal Investments
Topic: 66 yr old Woman Needs HELP!
Replies: 68
Views: 4327

Re: 66 yr old Woman Needs HELP!

Hate to recommend a SPIA annuity, but it might the best option for you. You can buy thru Vanguard, 50%(388k) of your 776k would give you over $2000 a month plus $900 SS, thats close to $3000 a month and you still have 388k to invest in case inflation comes back. I agree with naha66 on this. Also, i...
by Christine_NM
Fri Feb 23, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads: What are you doing to prepare for dementia/alzheimers?
Replies: 60
Views: 6532

Re: Bogleheads: What are you doing to prepare for dementia/alzheimers?

Medical topics are off limits here, with good reason. All you can do is make a will and designate power of attorney for healthcare, and another for finances. Then enjoy independence while you have it. If you have no hope of affording a "nice" memory unit (for dementia patients) then I suppose you wi...
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: 753

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: 12928

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: 91
Views: 9370

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: 2707

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: 118
Views: 11240

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: 1641

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: 803

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: 3408
Views: 1015128

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: 11607

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: 3856

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: 11607

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: 7868

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: 7425

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: 1334

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: 31
Views: 2934

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: 1803

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: 185
Views: 20077

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: 1176

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: 1176

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: 8360

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 ...