Search found 2575 matches

by Christine_NM
Sun Apr 22, 2018 4:25 pm
Forum: Investing - Theory, News & General
Topic: -- Mixed Mutual Funds
Replies: 4
Views: 214

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: 3077

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: 3077

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: 5143

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: 9227

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: 2373

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: 2373

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: 3721

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: 3721

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: 3721

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: 5657

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: 569

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: 11493

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: 8102

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: 2311

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: 111
Views: 8514

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: 1303

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: 681

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: 2976
Views: 916889

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: 10702

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: 3343

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: 10702

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: 6272

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: 6612

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: 1060

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: 2453

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: 1565

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: 9295

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: 1008

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: 1008

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: 6886

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: 149
Views: 7413

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: 4196

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: 9220

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: 6450

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: 22352

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: 54140

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: 54140

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: 54140

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: 9985

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: 2767

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: 1129

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: 1618

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: 11837

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: 1120

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: 8455

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: 19894

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: 10037

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: 6525

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...