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Re: best performer

I don't care about whether a fund is tax managed or not when I put it in a tax advantaged account. For these I am looking at yield and other characteristics.

What I care about is the tax implications of a fund that I put in a taxable account.
by Ged
Wed Nov 26, 2014 5:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: best performer - very similar index funds
Replies: 6
Views: 147

Re: Stuck with an active high ER fund! SHOULD I SELL??

It's a large cap blend that underperformed the S&P 500 massively.

Over the past 5 years the S&P has been up 81%, this has been up 41%

You would probably recover from the taxes pretty quickly.
by Ged
Wed Nov 26, 2014 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stuck with an active high ER fund! SHOULD I SELL??
Replies: 8
Views: 232

Re: Favorite nonfiction books

Also, Ged, you mentioned Daniel Dennett, I was reminded of another compelling book of his: Darwin's Dangerous Idea . I will take a look at Intuition Pumps ... That sounds interesting, thanks! I was fortunate to meet Prof. Dennett while I was a student because I had some friends who were philosophy ...
by Ged
Tue Nov 25, 2014 4:58 pm
 
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 53
Views: 2202

Re: Favorite nonfiction books

Subtle is the Lord — The Science and the Life of Albert Einstein by Abraham Pais
The Blank Slate: The Modern Denial of Human Nature by Steven Pinker
Intuition Pumps And Other Tools for Thinking by Daniel Dennett
by Ged
Tue Nov 25, 2014 12:44 pm
 
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 53
Views: 2202

Re: Turbo Tax - Returns for different people & different sta

I have always downloaded TurboTax for myself (I file a NJ state return) and done my mother's online (she lives in NY). I will need the Home & Business for 2014 while she will need a lesser version. I see now that TurboTax says you can file up to 5 federal returns. But it seems that one can down...
by Ged
Tue Nov 25, 2014 10:57 am
 
Forum: Personal Consumer Issues
Topic: Turbo Tax - Returns for different people & different states
Replies: 6
Views: 519

Re: Does a drop in salary decrease SS?

Your SS benefit is determined by your highest 35 years salary, adjusted for inflation. Continuing to work instead of retiring should at worst have no affect.

If you want a definitive calculation I'd suggest downloading Any PIA and putting in your numbers.

http://www.ssa.gov/oact/anypia/download.html
by Ged
Mon Nov 24, 2014 11:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does a drop in salary decrease SS?
Replies: 5
Views: 881

Re: Huge salary increase...looking for guidance

but should I be doing something more with my money? Like hedge funds, local real estate, pay my young kids a salary from my business, etc. Hedge funds no, real estate - I wouldn't unless I felt I had special skill in the area. I don't. Paying your kids sounds like a topic for your tax advisor. I'm ...
by Ged
Mon Nov 24, 2014 9:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Huge salary increase...looking for guidance
Replies: 26
Views: 3203

Re: article in todays WSJ--stocks are risky even for millenn

Maybe because, being young, they are saving for things they need or want to do long before they retire, like buy houses, get married, and start families. Holding a lot of cash can be smart if you know you're going to need cash soon. The thing is that the question was about what is the best long ter...
by Ged
Mon Nov 24, 2014 4:46 pm
 
Forum: Investing - Theory, News & General
Topic: article in todays WSJ--stocks are risky even for millennials
Replies: 18
Views: 3417

Re: Do you use a phone book?

The last time I used a phone book was as a source for raw material in an experiment I was running on removing dyes in a paper recycling process. The canary yellow dye in the yellow pages is a giant pain in the neck so you have to be careful about how many phonebooks are in your source of paper for r...
by Ged
Mon Nov 24, 2014 4:08 pm
 
Forum: Personal Consumer Issues
Topic: Do you use a phone book?
Replies: 51
Views: 2078

Re: Bogleheads, anyone doing "Black Friday"

I finished my Christmas shopping today. Took about 2 hours on Amazon. In my underwear and a nice warm bathrobe.
by Ged
Mon Nov 24, 2014 4:02 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads, any "Black Friday" [recommendations]
Replies: 57
Views: 3849

Re: My grown up Christmas wish-A Warm House

I don't know if this would be suitable for you, but one of the nicest ways to retrofit older housing is to install a ductless mini-split system. Basically this is a heat pump / air conditioner in the form of a compressor unit that sits outdoors, some piping that goes through the wall, and air handle...
by Ged
Sun Nov 23, 2014 8:35 pm
 
Forum: Personal Consumer Issues
Topic: My grown up Christmas wish-A Warm House
Replies: 27
Views: 2885

Re: Bogleheads, tell me about your 40's?

Like a lot of people I took turning 40 as a warning and improved my health by losing weight and exercising more. That was the good part. Then there were about 10 years of working hard and saving money. DW got her career going which helped the saving. At the end of the decade I went through a layoff....
by Ged
Sun Nov 23, 2014 3:09 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 101
Views: 13359

Re: Jim Cramer dad & LTCI

When I was an infant, my mother took out a small life insurance policy. Several decades later she died. The insurance company had made a huge profit on her policy. And they owned us a mere $50,000. However, they refused to pay and refused to respond to our lawyer's many letters with copies of her d...
by Ged
Sat Nov 22, 2014 10:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Jim Cramer Dad & LTCI
Replies: 30
Views: 3383

Re: Fidelity Rewards Amex Activation Experience

Bizarre. I created a cash management account at Fidelity about 5 months ago. My card activation process was the standard card number + last 4 digits of the SSN and done.
by Ged
Sat Nov 22, 2014 9:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Amex Activation Experience
Replies: 20
Views: 1160

Re: What percent "Boglehead" are you?

Really this is difficult because I didn't know much about Bogle style investing until 2008 or so. The path to where I am today probably starts out at about 40% and is now about 80%. The main part I got right on my own was investing consistently over my working life. I don't deduct points for grad sc...
by Ged
Sat Nov 22, 2014 8:35 pm
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 119
Views: 5994

Re: Social Security 62 vs 66

Can anyone do analysis from the government stand point of view, i.e., the government wants to pay as little social security money as possible. My quick thinking is that the government would like to encourage you to delay claiming social security as much as possible. The government doesn't care beca...
by Ged
Sat Nov 22, 2014 2:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Social Security 62 vs 66
Replies: 58
Views: 4952

Re: GAO Concerned your IRA may be too big!

I continue to be concerned with the emphasis on size of IRAs without respect to the prohibited transaction rules and non-traditional assets. The report did focus on non-traded securities as being a component of many of the largest IRAs. The IRS is apparently planning to collect information on these...
by Ged
Thu Nov 20, 2014 10:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: GAO Concerned your IRA may be too big!
Replies: 25
Views: 2766

Re: Intranet Hardwire and wifi installation help

------>Cable to house--------->Cable Modem------>16 port switch (maybe a 32 port switch if I plan to run 2 wires to each room-------> All the wall extensions as well as two ASUS AC routers (either rt-AC87u or rt-AC86u) That's how you get your security cams on a Russian web site. Never connect anyth...
by Ged
Thu Nov 20, 2014 9:41 pm
 
Forum: Personal Consumer Issues
Topic: Intranet Hardwire and wifi installation help
Replies: 6
Views: 811

Re: Why finance research is often wrong - the jelly bean pro

http://timharford.com/2014/11/finance-and-the-jelly-bean-problem/ has a good explanation for why finance reasearch is often wrong. Imagine a test that determines that a result is meaningful if there's less than a 1 in 20 chance that the results are due to chance and that you test 40 factors. The od...
by Ged
Thu Nov 20, 2014 6:02 pm
 
Forum: Investing - Theory, News & General
Topic: Why finance research is often wrong - the jelly bean problem
Replies: 101
Views: 7111

Re: Jim Cramer recommends Vanguard - Almost!

One of the things that I like best about Boglehead investing is that I don't watch Cramer's Mad Money any more.

Seriously the only thing missing is that Cramer isn't dressed up in a clown suit.
by Ged
Wed Nov 19, 2014 10:30 pm
 
Forum: Investing - Theory, News & General
Topic: Jim Cramer recommends Vanguard - Almost!
Replies: 1
Views: 1176

Re: Do freecyclers resell?

On trash day, pickup trucks cruise the neighborhood in the early morning and fill their beds before the garbage trucks show up. I'm sure many free cycle things end up in those pickup trucks. Exactly. I've never had to advertise on Craig's list in order to freecycle something. Just kick it to the cu...
by Ged
Wed Nov 19, 2014 10:23 pm
 
Forum: Personal Consumer Issues
Topic: Do freecyclers resell?
Replies: 11
Views: 1659

Re: Selecting Charities for Donation

I have stopped giving to large charities like the Red Cross. Also the disease (Diabetes, Heart Alzheimer's etc) based ones and the large veterans charities because of a variety of issues: 1. Lack of transparency 2. Use of high overhead fundraising methods 3. High pay to charity executives 4. Overall...
by Ged
Wed Nov 19, 2014 5:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selecting Charities for Donation
Replies: 55
Views: 3296

Re: Poll: Net cost of your checking account annually?

I don't have any fees because of direct deposits. Never had an overdraft. I did order some checks when I opened the account. That was in the 1990's. I write maybe 3 checks a year. I haven't ordered more since but I might because the the year has a preprinted prefix of 19 in the date field and that s...
by Ged
Wed Nov 19, 2014 2:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Net cost of your checking account annually?
Replies: 44
Views: 2250

Re: Credit Card Fraud - Need Advice

Has anyone dealt with a similar situation before? Any thoughts/advice would be appreciated. Yes, I had a credit card (Citibank) compromised. It was used fraudulently at several online merchants. I received a call from Citibank about one of the unusual charges and confirmed that it was fraudulent. T...
by Ged
Tue Nov 18, 2014 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Fraud - Need Advice
Replies: 32
Views: 2811

Re: Winter Coat

Winters here can put you in the deep freeze for weeks at a time (read zero degrees and below). 30+ years ago I lived in a place like that. Syracuse NY. Sub zero was not unusual. You could count on an occasional -20 now and then. When I was a grad student I had to commute to campus by bus. The bus s...
by Ged
Tue Nov 18, 2014 1:18 pm
 
Forum: Personal Consumer Issues
Topic: Winter Coat
Replies: 51
Views: 4440

Re: Amazon Echo (Alexa)

If I could change it's name to Hal and play chess with it I'd go for it.
by Ged
Tue Nov 18, 2014 12:23 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Echo (Alexa)
Replies: 35
Views: 3910

Re: Is investing more risky today today than before the inte

We've already seen one flash crash, and with software and people both being what they are there's always the possibility of another. There's not a lot the individual investor can do about it, except maintain a suitable asset allocation. The flash crash was very small compared to the October 19, 198...
by Ged
Mon Nov 17, 2014 10:45 pm
 
Forum: Investing - Theory, News & General
Topic: Is investing more risky today today than before the internet
Replies: 30
Views: 2812

Re: Lenovo vs Surface Pro 3

For me anyway, especially working mostly with spreadsheets keyboard quality would count a lot.
by Ged
Mon Nov 17, 2014 7:01 pm
 
Forum: Personal Consumer Issues
Topic: Lenovo vs Surface Pro 3
Replies: 20
Views: 1571

Re: 75w LED bulb in a 60w socket?

A 75 W LED bulb consumes about 20 watts of electricity. You have plenty of safety margin in a 60w fixture.
by Ged
Mon Nov 17, 2014 1:19 pm
 
Forum: Personal Consumer Issues
Topic: 75w LED bulb in a 60w socket?
Replies: 14
Views: 1972

Re: When do your account returns dwarf your contributions?

It never happened for me. Late in my career I was socking away money like crazy. No mortgage, no college payments, and peak earning power. My income was 3x my expenses and anything that wasn't expenses was going into savings. The wife and I both work so our situation is similar. And now that I am c...
by Ged
Mon Nov 17, 2014 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: When do your account returns dwarf your contributions?
Replies: 51
Views: 5740

Re: When do your account returns dwarf your contributions?

It never happened for me. Late in my career I was socking away money like crazy. No mortgage, no college payments, and peak earning power. My income was 3x my expenses and anything that wasn't expenses was going into savings.
by Ged
Mon Nov 17, 2014 11:20 am
 
Forum: Investing - Theory, News & General
Topic: When do your account returns dwarf your contributions?
Replies: 51
Views: 5740

Re: Shower silicone replacement - Price? DIY?

If you do decide to DIY the number 1 hint I have to offer it to practice! Getting the knack of laying down a bead on some practice stuff will save you a lot of time and aggravation.
by Ged
Mon Nov 17, 2014 10:48 am
 
Forum: Personal Consumer Issues
Topic: Shower silicone replacement - Price? DIY?
Replies: 27
Views: 1642

Re: Toyota Class Action Settlement Check, Cash or Not

Is it because it's "all electronic" now, and "putting it in neutral" just does NOT necessarily "put it in neutral"? Or turn the engine OFF? Or do the electronic gremlins refuse to do that, too? Is something else supposedly "happening"? I can't imagine that no...
by Ged
Sun Nov 16, 2014 8:27 pm
 
Forum: Personal Consumer Issues
Topic: Toyota Class Action Settlement Check, Cash or Not
Replies: 16
Views: 2371

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

I do three tax returns every year, mine and my two daughters. I've been using Turbo Tax for about 20 years. How easy is it to get Tax Act to read your Turbo tax file so that you do not have to do all the data entry from scratch? Doing it now and will let you know. TaxACT says it will read a PDF fil...
by Ged
Sun Nov 16, 2014 7:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 87
Views: 9172

Re: Hoa resurrection

They have elected a new board. Fortunately they have set the new dues at only 25 bucks a year, i am just concerened about the potential hassles of being told my grass is an inch too high, plus there is always the potential of the dues increasing. Thanks everyone for your insights. Mike West Virgini...
by Ged
Sun Nov 16, 2014 6:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: HOA resurrection
Replies: 35
Views: 2972

Re: IRA with $0.17 balance

I had a $4.60 balance at my last employer due to fractional share left over when I moved everything to a tIRA. I just did another distribution as both the 401K and tIRA were at Fidelity.
by Ged
Sat Nov 15, 2014 7:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA with $0.17 balance
Replies: 16
Views: 1788

Re: Just signed up Obamacare again.

goodenyou wrote:The public is getting a lesson on how healthcare is paid for. It is about time.


Yes. One of the biggest problems with the current system is lack of disclosure. This applies throughout the entire system. Insurers. Employers. Hospitals. Doctors.
by Ged
Sat Nov 15, 2014 7:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just signed up Obamacare again.
Replies: 41
Views: 3295

Re: fidelity refusing custodian custodian rollover

For obvious reasons, I do not want to do that since I've heard stories where the 30 days pass & one essentially withdrew the retirement money & now owe penalty taxes. The stories you heard, popularized in part by Clark Howard and maybe Suze Orman, are not accurate. As long as the check is m...
by Ged
Sat Nov 15, 2014 2:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: fidelity refusing custodian custodian rollover
Replies: 35
Views: 2814

Re: fidelity refusing custodian custodian rollover

Jack FFR1846 wrote:You're rolling over to Vanguard. Why are you even talking with Fidelity? Speak with Vanguard only and let them do the work.


This.
by Ged
Sat Nov 15, 2014 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: fidelity refusing custodian custodian rollover
Replies: 35
Views: 2814

Re: Why own International at all?

I'm at 20%, low by many bogleheads' standards. I think international exposure is important for the reasons stated above, but U.S. multi-nationals rely so much on international business, and have investments in so many countries, I keep it at the low end. The converse is true too, which would sugges...
by Ged
Fri Nov 14, 2014 10:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why own International at all?
Replies: 45
Views: 3993

Re: Does anyone here make "fun" purchases.

I don't pay for frivolous purchases. I do spend a lot on experiences. This is based on my life philosophy and supported by behavioral economics' findings that experiences are more rewarding than material possessions. Victoria This is a very interesting topic. I know some experiences I've had are mo...
by Ged
Fri Nov 14, 2014 8:45 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone here make "fun" purchases.
Replies: 111
Views: 6667

Re: Does anyone here make "fun" purchases.

greg24 wrote:No, I hate fun.


I'd bet you have fun hating fun.
by Ged
Fri Nov 14, 2014 8:06 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone here make "fun" purchases.
Replies: 111
Views: 6667

Re: Landlord wants us to sign an entirely new contract!

We would have to understand the differences in terms to offer meaningful advise. It could be that both of you would benefit, or it could be one-sided.
by Ged
Fri Nov 14, 2014 8:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Landlord wants us to sign an entirely new contract!
Replies: 51
Views: 5839

Re: Is buying organic worth it financially in the long term?

As mentioned, I thought I read that the toxicity studies for Roundup were only on the active ingredient, glyphosate. I also thought there was evidence that the toxicity of the final formulation (Roundup) was much higher than glyphosate alone. Not sure if that's true, was hoping someone might chime ...
by Ged
Fri Nov 14, 2014 4:22 pm
 
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 5688

Re: Is buying organic worth it financially in the long term?

Since these chemicals can't be entirely avoided, I support thorough safety studies. The effectiveness of risk assessment for pesticides/herbicides seems similar to the vetting of industrial chemicals in general, and even new drugs. We are well protected as a population from acutely toxic compounds,...
by Ged
Fri Nov 14, 2014 1:04 pm
 
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 5688

Re: Is buying organic worth it financially in the long term?

I notice no one has mentioned acrylamides. That was a big scare a little while ago, then it disappered out of the headlines. Acrylamides are produced when starchy foods are baked, fried or otherwise subject to high, dry heat. (I believe wet heat is okay and so oatmeal, for example, is fine.). Acryl...
by Ged
Fri Nov 14, 2014 12:08 am
 
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 5688

Re: Is buying organic worth it financially in the long term?

http://blogs.scientificamerican.com/science-sushi/2012/09/24/pesticides-food-fears/ I love the paper chase... I'll see your Scientific American with a Huffington Post , and I'm going to raise you a PMC (cited in the HP article). For the record, I'm not sold one way or the other on organics. I only ...
by Ged
Thu Nov 13, 2014 9:04 pm
 
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 5688

Re: Is buying organic worth it financially in the long term?

I find the lack of evidence compelling that there is no benefit to eating organic. Several studies have shown that yields per acre are lower for organic crops, implying that more land would have to be cultivated, and that is a net negative for the natural environment, and also possibly for the clim...
by Ged
Thu Nov 13, 2014 8:12 pm
 
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 5688

Re: Chip and Pin: busted by hackers before it's even here

That sounds unlikely to me.

1. Most US credit card issuers are sending out Chip and Signature not Chip and PIN
2. I haven't heard of Chip and PIN cards supporting RFID.

Do you have a link for this 'story'?
by Ged
Thu Nov 13, 2014 7:24 pm
 
Forum: Personal Consumer Issues
Topic: Chip and Pin: busted by hackers before it's even here
Replies: 17
Views: 1493

Re: Is buying organic worth it financially in the long term?

That has always been my concern as well, but is the amount of pesticide residue that you would consume actually dangerous to your health? Would that translate into higher medical costs or a lower quality of life? I'm not sure if anyone has the answers to these questions. I mentioned this once befor...
by Ged
Thu Nov 13, 2014 4:42 pm
 
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 5688
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