Search found 2712 matches

by Christine_NM
Sat May 23, 2020 3:07 pm
Forum: Personal Investments
Topic: Thoughts on Vanguard Global Wellington?
Replies: 12
Views: 623

Re: Thoughts on Vanguard Global Wellington?

Emerging markets is listed. Usually means China. Usually, in international index funds. Looking at the VGWAX stock holdings, all 84 of them, I can't find anything controlled by the Chinese gov. I don't know all of them but certainly there is an insignificant amount, possibly zero, compared to VTIAX.
by Christine_NM
Sat May 23, 2020 2:59 pm
Forum: Personal Investments
Topic: Thoughts on Vanguard Global Wellington?
Replies: 12
Views: 623

Re: Thoughts on Vanguard Global Wellington?

nix4me wrote:
Sat May 23, 2020 2:38 pm
Wouldn’t touch it because it invests in China.
Can't find any Chinese holdings. One Taiwan, one HK. Where do you see China?
by Christine_NM
Wed May 13, 2020 9:25 pm
Forum: Personal Consumer Issues
Topic: Dental estimate for a gold crown
Replies: 28
Views: 1965

Re: Dental estimate for a gold crown

I'd go for gold if I was still young. My first molar crown at about age 20 was gold, and it is still going strong at age 77. Dentists since then have stepped back in awe of an actual gold crown on first examination of my teeth. If you are over 55 or so, you may not live long enough to get the extra ...
by Christine_NM
Tue May 12, 2020 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Turning 30. Living 30s without regrets
Replies: 87
Views: 9411

Re: Turning 30. Living 30s without regrets

Don't expect to live without *any* regrets. Some are bound to creep in somewhere along the way. Be loving and forgiving.
by Christine_NM
Mon May 04, 2020 4:31 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Membership Question
Replies: 84
Views: 6229

Re: Amazon Prime Membership Question

I use the $25 free shipping option, not Prime. Last month most things were on time or earlier than an estimated late date, one thing still hasn't shown up but it was estimated to arrive in May sometime. I like the discount points earned with an Amazon card, that makes Amazon my goto store. It's kind...
by Christine_NM
Sun May 03, 2020 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Houses Are Not Edible
Replies: 21
Views: 2886

Re: Houses Are Not Edible

I've known smart people who believed they should carry as big a mortgage as they qualified for. So just because I disagree with you doesn't mean you are wrong or that i'm wrong. Housing finance tends to be a gut feeling based on when and how you grew up. Houses are not edible, but you can't eat mone...
by Christine_NM
Fri May 01, 2020 1:07 am
Forum: Personal Investments
Topic: Mother has only $85K to sustain her
Replies: 81
Views: 8118

Re: Mother has only $85K to sustain her

Utah has a moratorium on evictions from residences because of covid-19. This is not exactly a landlord/renter situation, but similar enough in spirit that she might be able to get a delay in the June 1 date as a public health measure. I'm approx. same age and would not give up a house for an apartme...
by Christine_NM
Mon Apr 27, 2020 8:13 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4383
Views: 1251736

Re: What Book Are You Currently Reading? Part VI

The Great Influenza by John Barry. Audible version. I sprung for an Audible subscription last year and enjoy listening while doing puzzles. This is a fascinating account of the era as well as the pandemic. I imagine listening is a bit easier than slogging through the text. It's definitely for the la...
by Christine_NM
Mon Apr 27, 2020 6:03 pm
Forum: Personal Investments
Topic: Thoughts on buy and hold strategy
Replies: 57
Views: 2632

Re: Thoughts on buy and hold strategy

Why such a low AWR = 2.5%? With 40% stocks and a term of </= 30 years you should go with 4%. That's 60% more FUN. And still safe as heck. I have a pension and annuity. Don't want more than 2.5%. That withdrawal rate is not a plan, it's calculated after the fact of some dividends and my RMD. When I ...
by Christine_NM
Mon Apr 27, 2020 2:19 pm
Forum: Personal Investments
Topic: Thoughts on buy and hold strategy
Replies: 57
Views: 2632

Re: Thoughts on buy and hold strategy

I'm a believer in the buy and hold aspects of the boglehead investment philosophy, but I disagree with holding total market funds because I have found through my experience that you can do better by holding a more selective group of stocks that are higher in quality or have specific characteristics...
by Christine_NM
Fri Apr 24, 2020 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Side Income Ideas
Replies: 3
Views: 502

Re: Side Income Ideas

Friend of mine is doing landscaping and garden prepping. It's pollen season and she cut down and removed a large juniper for $1200 in one day for owners with allergies. And cleaned up the yard same day. Pro services were saying it would take several guys a week to do it.
by Christine_NM
Thu Apr 23, 2020 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 12687

Re: Moving out of NYC due to pandemic

Given today's news about 1 in 5 NYC antibody tests being positive, please get yourself and family tested for antibodies before you pull up stakes. Also, if you all are negative, other states will have outbreaks too, plus restrictions on elective surgery for a while. You know all that, but I do not t...
by Christine_NM
Thu Apr 23, 2020 12:22 pm
Forum: Personal Consumer Issues
Topic: House Cleaning and Covid
Replies: 24
Views: 2319

Re: House Cleaning and Covid

I have a cleaning person who used to come twice a week, but for the duration she's coming once a week (plus doing the yard on an extra day, which she did before cv too). I pay her the same and gifted her some money to get thru being furloughed from her regular job. I pick up the slack between visits...
by Christine_NM
Wed Apr 22, 2020 11:46 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new rice cooker from Zojirushi?
Replies: 75
Views: 5679

Re: Should I buy a new rice cooker from Zojirushi?

Love my Zoji rice cooker. Still perfect after all these years. (I don't leave it on warm for more than a few minutes.) I had a pressure cooker (Farberware, not Instapot) and it was programmable but it was never foolproof like the Zoji rice cooker. You start up the pressure cooker and hope for the be...
by Christine_NM
Tue Apr 21, 2020 10:57 pm
Forum: Personal Consumer Issues
Topic: Is walking enough cardio exercise if I also lift weights?
Replies: 65
Views: 4890

Re: Is walking enough cardio exercise if I also lift weights?

Walking uphill on bare ground or grass can raise HR to cardio levels for me. Flat walking is a strain on joints if done too long and too often. My walk goes a mile downhill, a mile uphill, and a quarter mile of flat.
by Christine_NM
Tue Apr 21, 2020 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Parents want me to pay off their mortgage in exchange for title
Replies: 102
Views: 9214

Re: Parents want me to pay off their mortgage in exchange for title

Unless you are more than comfortable financially, don't do it on these terms. If you don't pay prop tax and do maintenance, it will not get done. Then, assuming you have paid the tax each year, after they are deceased the house will need a lot of work before you can sell. The initial 180k sounds lik...
by Christine_NM
Sat Apr 18, 2020 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Parent is working grueling job, considering retiring just a few years before pension. How else can I help her decide?
Replies: 50
Views: 3472

Re: Parent is working grueling job, considering retiring just a few years before pension. How else can I help her decide

Be careful with the part-time work option. It usually reduces the growth of a pension. So, working for a year half-time would only accrue as much pension as six months full time work. My employer is good about pointing that out, but I can imagine that some employers would let her go half-time and pr...
by Christine_NM
Sun Apr 12, 2020 5:53 pm
Forum: Personal Consumer Issues
Topic: Safest way to get food
Replies: 168
Views: 13432

Re: Safest way to get food

I've also read somewhere that if you have homemade masks, cover the outside with Kleenex anti-viral tissue (by glue, tape..) which is disposable. I have a cotton mask, thick with two layers and pleats, and a filter pocket. I tried folding a Kleenex into the pocket but it made the mask not breathabl...
by Christine_NM
Fri Apr 03, 2020 12:58 pm
Forum: Personal Consumer Issues
Topic: Pill Organizers?
Replies: 13
Views: 803

Re: Pill Organizers?

Amber ones, like the color of pill bottles, are nice to prevent degradation by sunlight if you have a bathroom window. That said, I use Walgreen's cheapest with no coloring and it's worked fine for at least 10 years. The hinges are remarkably strong.
by Christine_NM
Wed Apr 01, 2020 11:17 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296699

Re: Coronavirus and the market

I think by next week we test the lows (and break them). Agree. Today I capitulated and moved my pure stock funds (VFIAX, VTWAX representing 10% of portfolio) into cash. I also put the minimum into Global Wellington VGWAX (a new fund for me) because its window dressing looked good but that will prob...
by Christine_NM
Wed Apr 01, 2020 6:24 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296699

Re: Coronavirus and the market

I think by next week we test the lows (and break them). Agree. Today I capitulated and moved my pure stock funds (VFIAX, VTWAX representing 10% of portfolio) into cash. I also put the minimum into Global Wellington VGWAX (a new fund for me) because its window dressing looked good but that will prob...
by Christine_NM
Mon Mar 30, 2020 6:56 pm
Forum: Personal Consumer Issues
Topic: Is the coronavirus stay-at-home experience a preview of retirement life?
Replies: 61
Views: 4185

Re: Is the coronavirus stay-at-home experience a preview of retirement life?

No. Even if I, being retired, stay at home most of the time, I have a choice. I know the world is still humming along around me. Like when you live in a city and appreciate its museums being there even if you never visit them. This lockdown is different. Knowing the world is stopped and sort of hold...
by Christine_NM
Mon Mar 16, 2020 4:13 pm
Forum: Investing - Theory, News & General
Topic: Fed Slashes Rates to Fight Coronavirus Slowdown WSJ 3/15/20
Replies: 396
Views: 20325

Re: Fed Slashes Rates to Fight Coronavirus Slowdown WSJ 3/15/20

Stormbringer wrote:
Mon Mar 16, 2020 3:54 pm
Does it feel like capitulation to anyone yet?
No, it feels like "oops, last Friday was a mistake, take it back down and stomp on it some more". Tomorrow will be up a little or flat, my crystal ball says. I don't know how much a little or a lot is these days.
by Christine_NM
Sun Mar 15, 2020 8:38 pm
Forum: Personal Investments
Topic: Worried senior Q about RMD, from where?
Replies: 25
Views: 1127

Re: Worried senior Q about RMD, from where?

dbr - The problem with thinking stocks are down is that they may be up relative to the near future within which the RMD must be taken. Not good to catch a falling knife with an RMD to taxable investment in stocks. There's always TLH, but that's not ideal. Generally I've moved my RMD into cash (with...
by Christine_NM
Sun Mar 15, 2020 3:05 pm
Forum: Personal Investments
Topic: Worried senior Q about RMD, from where?
Replies: 25
Views: 1127

Re: Worried senior Q about RMD, from where?

dbr - The problem with thinking stocks are down is that they may be up relative to the near future within which the RMD must be taken. Not good to catch a falling knife with an RMD to taxable investment in stocks. There's always TLH, but that's not ideal. Generally I've moved my RMD into cash (withi...
by Christine_NM
Sun Mar 15, 2020 1:52 pm
Forum: Personal Investments
Topic: Worried senior Q about RMD, from where?
Replies: 25
Views: 1127

Re: Worried senior Q about RMD, from where?

Can you wait until fall to take the RMD?

No promises that things will be any better/clearer then, but why try to decide this now?
by Christine_NM
Sat Mar 14, 2020 5:41 pm
Forum: Personal Investments
Topic: My dad says I should pull out of the market before "they" steal it all
Replies: 113
Views: 8206

Re: My dad says I should pull out of the market before "they" steal it all

Too bad we can't develop herd immunity to stock market volatility. You and your dad are both partly right. In retirement it is good to have a healthy respect for cash, especially FDIC-insured cash. I would not fault him for that, but you are right too that you need to take the risk to have enough ca...
by Christine_NM
Fri Mar 13, 2020 6:13 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190746

Re: Coronavirus state closures thread

NM public schools close for 3 weeks starting Monday. Only 10 cases so far, but this past Monday there were no confirmed cases. Barest shelves in the grocery store are paper, anything with bleach in it, and bread.
by Christine_NM
Mon Mar 09, 2020 11:51 pm
Forum: Personal Investments
Topic: Ok, I'll ask it... temporarily getting out of the market with a small % of portfolio?
Replies: 52
Views: 3084

Re: Ok, I'll ask it... temporarily getting out of the market with a small % of portfolio?

Today's excitement was really about Saudi Arabia cutting oil prices. I think we've half-baked-in a recession due to possible 2 year pandemic -- that was last 2 weeks. Try to keep up, OP ! :D I have no idea if you'd come out ahead or not. Neither do you. You are just trying to make yourself feel bett...
by Christine_NM
Thu Feb 27, 2020 3:17 pm
Forum: Personal Investments
Topic: Thinking about (temporarily) moving all *retirement* stock to bonds - please help
Replies: 292
Views: 24969

Re: Thinking about (temporarily) moving all *retirement* stock to bonds - please help

This thread is a prime case study of why the fundamental premise of Bogleheads is flawed - namely, that ordinary people without financial expertise can be expected to stay the course without expert advise. I'm still waiting to hear an argument (convincing, or otherwise) as to why moving 100% of one...
by Christine_NM
Thu Feb 20, 2020 11:11 pm
Forum: Personal Consumer Issues
Topic: HS Latin or Spanish/ASL?
Replies: 63
Views: 2473

Re: HS Latin or Spanish/ASL?

If be interested in hearing an MD's perspective on the utility of Latin, but I'm fairly certain they will see infinitely more Spanish-speaking patients than Latin-speaking patients. Is the theory that Latin will somehow help with understanding medical terms? I don't see how that could possibly be t...
by Christine_NM
Thu Feb 20, 2020 8:05 pm
Forum: Personal Consumer Issues
Topic: HS Latin or Spanish/ASL?
Replies: 63
Views: 2473

Re: HS Latin or Spanish/ASL?

*snip* Anyway, I think it's amusing that we do the same thing ourselves in reverse, with the actual name Spain and the adjective Spanish , which are España and español . Here, there should be an initial "Ay" sound. The odd thing is that whereas Spain and Spanish are impossible letter combinations i...
by Christine_NM
Thu Feb 20, 2020 5:04 pm
Forum: Personal Consumer Issues
Topic: pantry question: why brown sugar?
Replies: 33
Views: 4274

Re: pantry question: why brown sugar?

I tried mixing molasses and white sugar once -- it's a sticky lumpy mess that makes your cake batter (or whatever you are making) sticky and lumpy too. I've given up on sugar, flour, honey and shortening. The only staples I still stock are olive oil and maple syrup and herbs and spices. What do you...
by Christine_NM
Thu Feb 20, 2020 3:18 pm
Forum: Personal Consumer Issues
Topic: HS Latin or Spanish/ASL?
Replies: 63
Views: 2473

Re: HS Latin or Spanish/ASL?

I had a lot of Latin, 6 years in toto. :happy It helps a lot with English and Spanish vocabulary. IMHO 1 year of Latin would be a better use of time than a 4th year of Spanish. HS Spanish, even 4 years, doesn't confer fluency and would be somewhat dangerous if relied upon with medical patients. Ther...
by Christine_NM
Thu Feb 20, 2020 1:59 pm
Forum: Personal Consumer Issues
Topic: pantry question: why brown sugar?
Replies: 33
Views: 4274

Re: pantry question: why brown sugar?

I tried mixing molasses and white sugar once -- it's a sticky lumpy mess that makes your cake batter (or whatever you are making) sticky and lumpy too. I've given up on sugar, flour, honey and shortening. The only staples I still stock are olive oil and maple syrup and herbs and spices.
by Christine_NM
Mon Feb 17, 2020 5:29 pm
Forum: Personal Investments
Topic: VBIAX - Vanguard Balanced Index Fund
Replies: 14
Views: 2014

Re: VBIAX - Vanguard Balanced Index Fund

This is what I do, and I don't find the fund tax inefficient. But most here will say that anything with bonds is tax inefficient. Bonds expire and this adds to fund turnover. My attitude is that if you want a 60/40 balanced fund in taxable, VBIAX is the most tax efficient.. Depending on your bracket...
by Christine_NM
Fri Feb 14, 2020 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to consider quitting my job?
Replies: 128
Views: 14067

Re: Am I crazy to consider quitting my job?

If you do not mind me asking, I would love to know what kind of job is it that you do? Asking for a friend. :D Yes, I'm considering a new career, and 3 days a week for 80K would fit the bill nicely. What qualifications do I need? Bump :D Yes, perhaps OP does not appreciate that she will never get t...
by Christine_NM
Sun Feb 09, 2020 6:09 pm
Forum: Investing - Theory, News & General
Topic: Do You Do Your Taxes by Hand? Reporter doing story
Replies: 108
Views: 7803

Re: Do You Do Your Taxes by Hand? Reporter doing story

Yes, users only know the interface and need not be computer savvy. Computers have been around for 2-3 generations now. I was a software developer and always did taxes by hand, until I hit a situation that was new and it was wiser to get some help than try to muddle through. Similarly, a co-worker en...
by Christine_NM
Sat Feb 08, 2020 3:01 pm
Forum: Personal Consumer Issues
Topic: The annual "Boglehead considering a country club" thread
Replies: 115
Views: 6887

Re: The annual "Boglehead considering a country club" thread

Something struck me as wrong about the vision of mom & dad having a drink at the club pool with the newborn. Maybe in the 1950s, but now? It was the alcohol that seemed wrong -- this year your wife can't drink, and after the baby comes, if she's breastfeeding, she can have only one drink a day, care...
by Christine_NM
Tue Jan 28, 2020 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter's Boston Job Offer
Replies: 115
Views: 9613

Re: Daughter's Boston Job Offer

Depends if she will get fast large raises in the next few years. 68k is fine for 1 year but no good if she wont get more rather quickly. I started with first job in Boston centuries ago and the first year was somewhat grim. Second and third year were OK with decent raises. If she can do without a ca...
by Christine_NM
Mon Jan 20, 2020 5:41 pm
Forum: Personal Consumer Issues
Topic: Our little girl is turning one soon!
Replies: 47
Views: 3408

Re: Our little girl is turning one soon!

Congratulations to you and DD!

I remember my first niece's first birthday -- I was 6, and it was all very exciting. If my niece asked me, I could tell her she was most interested eating the decorations on her cake, with her fingers, of course. She never asked though.
by Christine_NM
Mon Jan 20, 2020 5:28 pm
Forum: Personal Investments
Topic: How many months expenses held in cash in reirement
Replies: 46
Views: 2719

Re: How many months expenses held in cash in reirement

To answer literally, I have 10 years current expenses in cash in FDIC accounts. To me, trying to execute a retirement plan, this means nothing. I use monthly and quarterly income to pay monthly expenses. RMD pays safe harbor income tax amount. The cash is for the unexpected or irregular expenses, li...
by Christine_NM
Wed Jan 15, 2020 2:51 pm
Forum: Personal Consumer Issues
Topic: strong role model books for 8 YO girl
Replies: 53
Views: 3419

Re: strong role model books for 8 YO girl

I wouldn't emphasize books meant for girls, or with female protagonists. That's how separation starts, by feeling limited to whatever is targeted at you. By 11 she should be well into young adult biographies of both sexes. At 8 she is probably still deciding if reading is going to be a lifelong habi...
by Christine_NM
Thu Jan 09, 2020 2:35 pm
Forum: Personal Consumer Issues
Topic: New Sewer Line 2 weeks after Home Purchase. Any Legal Recourse?
Replies: 75
Views: 6313

Re: New Sewer Line 2 weeks after Home Purchase. Any Legal Recourse?

Welcome to the world of home ownership. I've spent over $30k in the past few months on maintenance, including roof, stucco refinish and various related items, so $7k seems very little to me. If roots in the sewer is all that is wrong consider yourselves lucky. I've lived here 10 years with only rout...
by Christine_NM
Mon Dec 30, 2019 11:08 pm
Forum: Personal Investments
Topic: 2 IRA Accounts - Good idea?
Replies: 50
Views: 3558

Re: 2 IRA Accounts - Good idea?

If you choose to move your IRA money to Vanguard, please be careful how you do it. Your use of the terminology has been a bit confusing in your posts. I do not want you to make a mistake with the rollover and end up with a big tax bill by mistake. Familiarize yourself with the process first. This i...
by Christine_NM
Fri Dec 27, 2019 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Donating $1M
Replies: 66
Views: 9570

Re: Donating $1M

If so, what advice can you offer me? Know what goals or issues are important to you. Research recipients thoroughly. Understand what they can/will/might spend the money on, and make sure it aligns with #1. Be ready to surrender control. Once you've made the donation it's not your money anymore. Let...
by Christine_NM
Thu Dec 26, 2019 10:29 pm
Forum: Personal Consumer Issues
Topic: Toyota Camry transmission problems in 2018-2019
Replies: 21
Views: 2126

Re: Toyota Camry transmission problems in 2018-2019

I have a 2020 Camry LE. I've got 2500 miles on and the transmission has been pretty much a non-issue. There can be a slight lag at lower speeds when going through a lot of stop signs, as in a residential neighborhood; but you quickly get accustomed to it. I've not noticed any lags on the interstate...
by Christine_NM
Thu Dec 26, 2019 2:24 pm
Forum: Personal Consumer Issues
Topic: Toyota Camry transmission problems in 2018-2019
Replies: 21
Views: 2126

Re: Toyota Camry transmission problems in 2018-2019

I did a little research. A redesigned model came out later in 2017. Do you know if your 2017 Camry had a 6 speed or 8 speed transmission? I leased my 2017 in NOvember 2016 when the new models had just come out, so it was not a redesigned model. I have no idea if it was 6 or 8, or what the 2020 is t...
by Christine_NM
Thu Dec 26, 2019 2:19 pm
Forum: Personal Consumer Issues
Topic: Toyota Camry transmission problems in 2018-2019
Replies: 21
Views: 2126

Re: Toyota Camry transmission problems in 2018-2019

I leased a 2017 Camry with transmission hiccups That surprises me. Everything I am reading says the problems started in 2018 with the new 8 speed transmission. People say online that the 6 speed transmission used in the 2017 and earlier models is fine. It is interesting to hear of your experience. ...
by Christine_NM
Thu Dec 26, 2019 1:48 pm
Forum: Personal Consumer Issues
Topic: Toyota Camry transmission problems in 2018-2019
Replies: 21
Views: 2126

Re: Toyota Camry transmission problems in 2018-2019

I'm thinking of getting a 2017 Camry from carmax rather than a new one. I'll save a few thousand dollars and will get the older transmission that had no problems. I haven't heard anything about the 2020 Camry yet. Don't know if the problem has been fixed or not. I leased a 2017 Camry with transmiss...