Search found 2517 matches

by Christine_NM
Sat Oct 21, 2017 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 69
Views: 4337

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: 4635

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: 5407

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).
by Christine_NM
Mon Oct 16, 2017 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: fidelity netbenefits
Replies: 15
Views: 1995

Re: fidelity netbenefits

If you are eligible for a Roth, you could start one with a completion fund like VEXMX or a small or midcap fund. This would mean saving more. If you are relatively new to all this, it may not be a bad idea. You don't have to max everything out immediately but it is more potential tax-advantaged space.
by Christine_NM
Mon Oct 16, 2017 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage
Replies: 1
Views: 207

Re: Medicare Advantage

See page 5 of Medicare and You 2018. Probably the same for 2017 if you don't have the new one yet. It compares original Medicare and MA. Under coverage, it says MA plans must cover all of the services that original Medicare covers. (MA may add more, but can't offer less coverage.) See page 29 for Pa...
by Christine_NM
Mon Oct 16, 2017 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Bonus pushed back - should I be annoyed?
Replies: 43
Views: 3104

Re: Bonus pushed back - should I be annoyed?

OP - Obviously the fairness explanation is hooey, or the global bonuses could be moved up to match NA timing. The accountants are busy making sure you stay afloat, and the PR dept is doing its best to think up explanations. IOW everyone is doing his job. There's no need to be annoyed. It would be si...
by Christine_NM
Sat Oct 14, 2017 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Boston area Relocation...major decision points
Replies: 34
Views: 2823

Re: Boston area Relocation...major decision points

Definitely rent at first, Boston area real estate is so pricey that rushing to buy could result in a very costly mistake. In something more OT, you couldn't pay me enough to go back to MA. There must be pockets of people I could relate to around the universities, but the provinciality and thought p...
by Christine_NM
Thu Oct 12, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Boston area Relocation...major decision points
Replies: 34
Views: 2823

Re: Boston area Relocation...major decision points

I'd start looking in Wayland MA for a rental house, if that will keep you away from the interchange. (I grew up near Wayland.) Looking at trulia.com there are $2500/mo rentals available. Wayland is not famous for anything but it is a nice small often-overlooked community. I'd stay away from the rich...
by Christine_NM
Tue Oct 10, 2017 3:15 pm
Forum: Investing - Theory, News & General
Topic: Longterm Investing Renewable ETFs
Replies: 14
Views: 656

Re: Longterm Investing Renewable ETFs

Sloth -- Will you buy a global renewable-energy ETF? Which one? (I wrote "tiny sliver" because I was thinking of wind and solar, not nuclear. I can't find what your link considers to be renewable sources. Looks like it may include nuclear.) ETA - Site is definitely emphasizing hydroelectric -- is th...
by Christine_NM
Tue Oct 10, 2017 1:03 pm
Forum: Investing - Theory, News & General
Topic: Longterm Investing Renewable ETFs
Replies: 14
Views: 656

Re: Longterm Investing Renewable ETFs

We will need high-density energy (oil, nat gas) for our lifetimes. Renewables are a tiny percentage of all energy sources. If you must do this, an ETF that really covered the sector would help avoid picking the losers. The problem with sector bets is that you can only put a small percentage in them....
by Christine_NM
Sat Oct 07, 2017 7:15 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 95
Views: 8632

Re: VG wants everyone to transfer to a brokerage account?

I don't understand at all the security issues due to being somehow hacked because I didn't file my return until mid April. Please explain. Doc -- It's a security issue if your info is used to file a return in your name and ssn before you get around to it. Early filer gets the worm, so to speak, leg...
by Christine_NM
Sat Oct 07, 2017 1:53 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 95
Views: 8632

Re: VG wants everyone to transfer to a brokerage account?

Doc - I had a brokerage account within an IRA until 2016 (or 15, I forget), on the old platform. I always received all 1099s including 1099B in time to do taxes in early Feb. Any payment is due in April regardless of when you file the 1040. Do the security issues of hacked info used to file an early...
by Christine_NM
Sat Oct 07, 2017 1:06 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 95
Views: 8632

Re: VG wants everyone to transfer to a brokerage account?

... but I only see less functionality for me here. Other than the inability to direct dividends to another fund where is the "less"? 1099s received much later. With old platform I have taxes done before I'd receive the 1099s with a brokerage system. This is not just personal preference. It's become...
by Christine_NM
Fri Oct 06, 2017 5:28 pm
Forum: Personal Consumer Issues
Topic: Refund from Home Closing - 13+ years later (!?)
Replies: 12
Views: 1643

Re: Refund from Home Closing - 13+ years later (!?)

It's my experience that lawyers hold onto clients' checks until the payee requests them. It seems to be a point of pride not to volunteer payment even when the check has been written. I'd guess here that no one ever asked the RE lawyer for the refund and so never got it. Now maybe an office has clos...
by Christine_NM
Thu Oct 05, 2017 11:31 pm
Forum: Personal Consumer Issues
Topic: Too much house? (nervous 1st time buyer)
Replies: 57
Views: 4014

Re: Too much house? (nervous 1st time buyer)

"Too much house" means to me that it would be tough to resell if you changed your mind. The way I learned it, the best houses for resale value are the lower priced in the neighborhood. Too big a house for the neighborhood means buyers who want a big house are looking in other neighborhoods. If you a...
by Christine_NM
Tue Oct 03, 2017 10:26 am
Forum: Investing - Theory, News & General
Topic: Peter L. Bernstein: Cash BETTER than Bonds
Replies: 64
Views: 7381

Re: Peter L. Bernstein: Cash BETTER than Bonds

I just cashed in some I bonds from 2001 and they more than doubled in value. Still have some from 1999 and 2000. That is much better than beating inflation according to the BLS inflation calculator. I guess all cash is not created equal. Bank person offered to put it in my money market fund, but I s...
by Christine_NM
Sat Sep 30, 2017 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: My dad recently passed away and I need help with mom's IRA diversification (23.9% in a single stock)
Replies: 29
Views: 1336

Re: My dad recently passed away and I need help with mom's IRA diversification (23.9% in a single stock)

Mom might consider an eventual move from CVX (3.68% yield) to Wellesley Income (VWIAX, 2.9% yield) which has few stocks but one of them is usually CVX. I inherited some CVX, less than 10% so I held it until the oil bust a few years back, when the dividend stopped being raised every year. In my exper...
by Christine_NM
Fri Sep 29, 2017 12:47 am
Forum: Investing - Theory, News & General
Topic: VG using outsourcing to call me & I'm not happy
Replies: 76
Views: 7044

Re: VG using outsourcing to call me & I'm not happy

All I can add is, y'all were warned in August to vote early so as to avoid the expense of repeated followups by phone and mail. The popup thing seems to be working OK, I voted very early and did not see it until I bought a new fund, then it showed up only for the new shares. After I voted it disappe...
by Christine_NM
Thu Sep 28, 2017 6:45 pm
Forum: Personal Consumer Issues
Topic: My first promotion without a pay increase
Replies: 47
Views: 4937

Re: My first promotion without a pay increase

Elsebet - This happened to me once when there was an overall restructuring of the company's hierarchy. I was offered a move from the tech ladder to a higher paid ladder, but there was no money to give me a raise until the next year. Everyone involved seemed embarrassed at this oversight since theore...
by Christine_NM
Thu Sep 28, 2017 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: I am in the investment advice industry and I'm not sure if I provide any value
Replies: 67
Views: 6422

Re: I am in the investment advice industry and I'm not sure if I provide any value

Bucky - Most professions seem easy ("not worth 1%") to the professional and yet the service is necessary for nonprofessionals. So we trade areas of expertise by buying and selling services from each other, from cleaning service to medical care. You've got to do something, and if the client is willin...
by Christine_NM
Thu Sep 21, 2017 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: POD & IRA
Replies: 7
Views: 504

Re: POD & IRA

Is it accurate that a POD is not allowed or necessary on IRA accounts and that beneficiaries on these IRA accounts have the same effect? Effectively, yes. There is more to it than that, but it accomplishes the same upfront goal that you desire - keeping the accounts out of your estate when you die....
by Christine_NM
Tue Sep 19, 2017 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard for non-resident aliens
Replies: 22
Views: 1169

Re: Vanguard for non-resident aliens

HC - Any other brokerage will offer Vanguard ETFs. The popular ones are Fidelity, Schwab, eTrade. If you have a bank account at a bank with an associated brokerage you might start there, like Wells Fargo and WellsTrade. You will have to compare a few and see who will take you and which one offers th...
by Christine_NM
Tue Sep 19, 2017 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard for non-resident aliens
Replies: 22
Views: 1169

Re: Vanguard for non-resident aliens

You can invest in low-cost Vanguard (or other) ETFs at any brokerage. Try waiting until your tax situation is settled and then look for a brokerage that is willing to do business. Can you not get help from other H1Bers who have gone before you to see if there is a trick to this? As far as I know I ...
by Christine_NM
Tue Sep 19, 2017 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard for non-resident aliens
Replies: 22
Views: 1169

Re: Vanguard for non-resident aliens

You can invest in low-cost Vanguard (or other) ETFs at any brokerage. Try waiting until your tax situation is settled and then look for a brokerage that is willing to do business. Can you not get help from other H1Bers who have gone before you to see if there is a trick to this?
by Christine_NM
Thu Sep 14, 2017 3:37 pm
Forum: Investing - Theory, News & General
Topic: "Fear of Finance?" AARP interview with Jack Bogle
Replies: 37
Views: 5749

Re: "Fear of Finance?" AARP interview with Jack Bogle

Mr Bogle said on page 57 of the magazine.....If you have a return of 7 percent but paid the manager and wall street 2 percent, you'll make 5 percent...... You put up 100 percent of the cash, took 100 percent of the risk and got 33 percent of the return. [/u] Was that possibly a typo?? Shouldn't it ...
by Christine_NM
Tue Sep 12, 2017 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Retirees-anyone miscalculate how much was needed?
Replies: 71
Views: 9023

Re: Retirees-anyone miscalculate how much was needed?

I spent $31k in 2005, my first year of retirement. This year I am on track to spend twice that. It's still less than my retirement income, so no problem. The portfolio is intact, waiting for me to get really old. I do not buy a lot of stuff the way you do when younger and forming a household. As men...
by Christine_NM
Fri Sep 08, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47193

Re: Equifax customer information leak

I used this link https://www.equifaxsecurity2017.com/ new today. To get instant feedback on impact, hit the "potential impact" button. Says that equifax believes I was not impacted. I looked at my equifax and transunion credit reports yesterday and there were no new cards or accounts listed. Interes...
by Christine_NM
Thu Sep 07, 2017 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Wife believes 7+% returns from stock market are guaranteed
Replies: 64
Views: 5733

Re: Wife believes 7+% returns from stock market are guaranteed

'if the market guarantees 7+% returns why do people deposit money in banks for the bank to loan at 4%'. Mostly because of the FDIC insurance. Once you have a few million in stocks and bonds, adding more doesn't make much difference. Might as well keep it where it will not get lost. If you make a po...
by Christine_NM
Wed Sep 06, 2017 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Wife believes 7+% returns from stock market are guaranteed
Replies: 64
Views: 5733

Re: Wife believes 7+% returns from stock market are guaranteed

Who says that because they lend at 4% they do not also invest at 7% or whatever the market return is? Awhile back the Glass-Steagall Act of 1932 prevented commercial (FDIC insured) banks from taking risks in the stock market. That was repealed and it did not take long for banks to get themselves int...
by Christine_NM
Mon Sep 04, 2017 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisor
Replies: 22
Views: 2013

Re: Vanguard Personal Advisor

Leave it in Total Stock Market.

One of my favorite sayings is, money is like soap, the more you handle it, the less you have.

You've invested it. Now let it grow and go out and find more money to invest.
by Christine_NM
Tue Aug 29, 2017 11:17 pm
Forum: Investing - Theory, News & General
Topic: First article I've read against indexing that seems convincing
Replies: 40
Views: 5762

Re: First article I've read against indexing that seems convincing

Less R&D and fewer IPOs correlate better with the increase in M&A. Why invent it or start it if you can buy it?

For example, Whole Foods disappeared into Amazon this week.
by Christine_NM
Mon Aug 28, 2017 6:59 pm
Forum: Forum Issues and Administration
Topic: Log In Change
Replies: 10
Views: 765

Re: Log In Change

If you get the long version of the title text, refresh the page. Site defaults permanently to the short one-line version. Probably not the best location for a text field, but easy to get rid of. Lady Geek posted this fix and it worked for me.
by Christine_NM
Sun Aug 20, 2017 11:08 am
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 13604

Re: I own no international stocks. Can you guess why?

Three guesses: 1. You got tired of paying more for lower returns. 2. The Dollar Index is falling a bit so International is more expensive to buy now. (That's not a reason to sell though.) 3. You are considering your heirs' and your portfolios as one. They have a lot more international than 20% so yo...
by Christine_NM
Tue Aug 15, 2017 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Accountant liable for penalties?
Replies: 33
Views: 3435

Re: Accountant liable for penalties?

This reminds me of my mother's final tax return. She died in March 2008, with not enough income to trigger the need to file a tax return. I did the taxes as I usually did for her, but did not file and paid no estimated tax, her usual method. However there were some stock sales (at a loss) in early 2...
by Christine_NM
Mon Aug 07, 2017 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Switching from Medicare Cost to Original/tradional medicare?
Replies: 5
Views: 655

Re: Switching from Medicare Cost to Original/tradional medicare?

You sent me reading about MC in general and the Kaiser Medicare Plus in particular. First red flags are the Kaiser plan has a $400 drug deductible before it pays anything on meds, then offers no donut hole coverage. Your information/conclusion is incorrect. My Kaiser Medicare Cost plan, for which I...
by Christine_NM
Mon Aug 07, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Switching from Medicare Cost to Original/tradional medicare?
Replies: 5
Views: 655

Re: Switching from Medicare Cost to Original/tradional medicare?

You sent me reading about MC in general and the Kaiser Medicare Plus in particular. First red flags are the Kaiser plan has a $400 drug deductible before it pays anything on meds, then offers no donut hole coverage.
by Christine_NM
Thu Aug 03, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: MIL wants to move in with us
Replies: 45
Views: 3457

Re: MIL wants to move in with us

bottlecap -

I'm not sure what you are objecting to in my post. Let's stick to OP situation and not fight amongst ourselves.
by Christine_NM
Thu Aug 03, 2017 1:22 pm
Forum: Personal Consumer Issues
Topic: MIL wants to move in with us
Replies: 45
Views: 3457

Re: MIL wants to move in with us

If your wife is willing to care for MIL, your kids, and all the pets, not to mention feed you, I don't see how you can say no without being selfish. If everyone agrees it doesn't work once you've tried your wife's plan, there's always the Home. :( But for now, make sure FIL is OK. It can be very dan...
by Christine_NM
Thu Aug 03, 2017 12:04 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 276
Views: 24371

Re: A poll: How much money do you need to retire?

staythecourse wrote: In your world there is not one blue collar worker that is retired then? They are either unemployed, between jobs, disabled, or dead?
That's right. Not one is fully retired or likely to be so.
by Christine_NM
Wed Aug 02, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 276
Views: 24371

Re: How much money do you need to retire?

Sorry, guys, those days are gone for today's wannabe retirees. Seems like everything that advances a person now first sets you back way too much, so the gain is minimized. What do you mean by this? Mainly I was thinking of educational opportunities and the rise of student debt. Also, the loss of em...
by Christine_NM
Wed Aug 02, 2017 10:35 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 276
Views: 24371

Re: How much money do you need to retire?

For a different perspective, I'm looking backward at how much I spent during the first 13 years of retirement, from 12/2004 till now. Estimating 40k/yr expenses plus net new house price and annuity purchase and one-time medical expenses, I've spent a little over 1M so far, or 80k/yr. Doing OK, still...
by Christine_NM
Thu Jul 27, 2017 3:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 89
Views: 15129

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration

I can't make out the Global Wellesley stock benchmark. Prospectus says 35% "FTSE Developed High Dividend Yield Index" but there is no such index. (Google search returns 1 hit -- the prospectus itself!) It must be FTSE All-World High Dividend Index? Editing errors don't fill me with confidence. I wan...
by Christine_NM
Sat Jul 22, 2017 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Can anyone convince me I need international stock in my portfolio?
Replies: 162
Views: 9098

Re: Can anyone convince me I need international stock in my portfolio?

^^ Gary - Active funds like W&W don't have fixed allocations to international. They buy the stocks they want, within their allowed limits, and then calculate their foreign holdings percentage as an afterthought, not as a goal. At least that is my impression because the percentage changes so drastica...
by Christine_NM
Wed Jul 19, 2017 3:32 pm
Forum: Personal Consumer Issues
Topic: Indoor activities for a 3-year-old
Replies: 61
Views: 3252

Re: Indoor activities for a 3-year-old

Swimming lessons? At a pool or a pond.
by Christine_NM
Mon Jul 17, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Question on When to Take Social Security
Replies: 14
Views: 1455

Re: Question on When to Take Social Security

Are your parents still working? If so, it would be better to work longer to pay off the debt rather than dip early in Social Security.

I am a big fan of no debt going into retirement and, once retired, not acquiring any more debt.
by Christine_NM
Sun Jul 16, 2017 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking out loud
Replies: 30
Views: 3672

Re: Thinking out loud

Don't do this. Simple is hard.

You sound like you think you are missing out on something. So if you forget to rebalance a couple of times, and creep up to 65% stock, that's not so bad :) .

You can always downshift back to 60% later, or the market will do it for you. :shock:
by Christine_NM
Sat Jul 15, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: what's your secret to cleaning inside car windows?
Replies: 47
Views: 3884

Re: what's your secrete to cleaning inside car windows?

Distilled white vinegar bought by the gallon, diluted about 3 parts water to 1 part vinegar. Wipe on and off tinted window inside or outside with microfiber cloth. I don't need abrasion if I do it often enough. Don't get pure vinegar on the paint.
by Christine_NM
Sun Jul 09, 2017 2:37 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2617
Views: 835300

Re: What Book Are You Currently Reading? Part VI

Since this month is the bicentennial of Jane Austen's death, I am going on a binge-read of her 6 novels. Then maybe a biography. Five of them are in well-reviewed editions annotated by David Shapard. I have read them all starting in high school, but the annotations will add a lot. The movies and TV ...
by Christine_NM
Tue Jul 04, 2017 1:15 pm
Forum: Investing - Theory, News & General
Topic: "Jack Bogle Strikes Back!"
Replies: 3
Views: 1793

Re: "Jack Bogle Strikes Back!"

Thanks, Taylor. Happy 4th! The issue of publicly traded mutual fund companies becoming too expensive for mutual fund buyers to own reminds me of healthcare providers vs. patients and insurers. Or, how do we define what a normal profit is for a business? Do we just let the market go to the moon? (I t...