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Re: Some websites are.......[predicting stock market correct

Hi: I've been around the block a few times being 70 + years old,and I always heed basic and honest advice.......therefore,I'm humble enough to ask for advice before I do something drastic,specially in the area of $$$$$ :D .Once again I thank you,each and everyone.Regards. Being over 70, you might w...
by MathWizard
Wed Apr 23, 2014 1:09 pm
 
Forum: Investing - Theory, News & General
Topic: Some websites are.......[predicting stock market correction]
Replies: 22
Views: 2370

Re: are you too conservative with your investments?

Nope, nowhere close to being too conservative. I understand the point you are trying to make, but it is not clear whether you are using real or nominal returns. It looks like nominal, which understates the inflation risk of bonds. Extrapolating, I'm going to guess that the break-even (higher stock a...
by MathWizard
Wed Apr 23, 2014 12:06 pm
 
Forum: Investing - Theory, News & General
Topic: are you too conservative with your investments?
Replies: 11
Views: 1744

Re: Where would you retire, if $ were no object?

placeholder wrote:If money is no object presumably that means I have more money than I can possibly spend so I would stay right where I am close to family and just use private jet to travel to any other place I had a hankering to see.


Excellent answer. I believe that is what Buffet and Gates do.
by MathWizard
Wed Apr 23, 2014 11:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Where would you retire, if $ were no object?
Replies: 56
Views: 2713

Re: Is 1800s stock market data even relevant?

I can't imagine using data from before the market regulations that were put in place during the Great Depression. Before that, insider trading, pump and dump schemes were rife. There was no prospectus as we now know it. There was no FDIC, and banks could gamble away your money on risky investments. ...
by MathWizard
Tue Apr 22, 2014 1:03 pm
 
Forum: Investing - Theory, News & General
Topic: Is 1800s stock market data even relevant?
Replies: 54
Views: 2305

Re: 529's not recommended

To avoid 15 years of fees, just invest in the Mississippi plan the last few years before college. You still get the tax deduction, but avoid paying the fees for 15 years. If you are not maxing out a ROTH, you could use a ROTH at Vanguard and pull contributions for college when it comes. You miss the...
by MathWizard
Tue Apr 22, 2014 12:48 am
 
Forum: Personal Finance (Not Investing)
Topic: 529's not recommended
Replies: 24
Views: 2736

Re: 3-prong to 2-prong for laptop? & overseas?

I just use a 3 to 2 adaptor and then an adaptor for the country I am going to
for cell charger and for laptop.

I don't think that an electric razor will work. I use disposal BIC razors and
shaving cream on trips.

My wife buys a dual voltage curling iron for the trips.
by MathWizard
Tue Apr 22, 2014 12:38 am
 
Forum: Personal Consumer Issues
Topic: 3-prong to 2-prong for laptop? & overseas?
Replies: 13
Views: 577

Re: Warren Buffett

There's an old saying in poker: "If you are in a game and don't know who the mark is, then it's you". There is a long-term return (investing) which will get you the market return. This comes from the profit making of the companies in the index. Superimposed on that, there is the speculativ...
by MathWizard
Tue Apr 22, 2014 12:29 am
 
Forum: Investing - Theory, News & General
Topic: Warren Buffett
Replies: 45
Views: 2276

Re: Forced job responsibility putting me in a panic

Fear of public speaking is incredibly common. A webinar is even worse, because you get no audience feedback. If this really goes to the point of wanting to quit, you should talk to a superior about it. If you are willing to give it a try, I'd suggest having your spouse, or a friend sit in on a prete...
by MathWizard
Tue Apr 22, 2014 12:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Forced job responsibility putting me in a panic
Replies: 32
Views: 2087

Re: POLL: If Eligible For Social Security .....

The poll really surprises me. The vast # of those already claiming did so at the extremes, more at 62 than 70. I would have guessed that in this group, the largest of those claiming would be at 70, then at FRA. Most of those that I talk to outside of this board say that they will claim as early as p...
by MathWizard
Sun Apr 20, 2014 10:24 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: If Eligible For Social Security .....
Replies: 71
Views: 3160

Re: Where to put RMDs in budget?

Income and expense both

You are paying yourself and
the IRS set a minimum wage just for you
by MathWizard
Sat Apr 19, 2014 2:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put RMDs in budget?
Replies: 16
Views: 835

Re: A Dictionary and a World Atlas: Recommendations?

Dictionaries any number on line using google

Atlas: Google Earth

City maps offline.

CityMapsToGo app on apple products free
or Garmin or RandMcNally
by MathWizard
Sat Apr 19, 2014 2:12 pm
 
Forum: Personal Consumer Issues
Topic: A Dictionary and a World Atlas: Recommendations?
Replies: 14
Views: 767

Re: POLL: why carry cash?

What about payment diversification? I carry cash and can pay for almost any transaction. I guess I am a member of the rarified .01% along with sscritic ( good company to be in by the way ) in that I am ready with the cash when the transaction takes place. The question reminds me of the comic's line ...
by MathWizard
Sat Apr 19, 2014 11:01 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 224
Views: 7326

Re: *poor* Bogleheads

Other than the "poll" questions about income, savings, etc., the questions are problems that people are trying to solve, because they have not encountered that situation before. So for people who ask, "What do I do now that I make X" that means they have never made X before. I do...
by MathWizard
Fri Apr 18, 2014 4:23 pm
 
Forum: Forum Issues and Administration
Topic: *poor* Bogleheads
Replies: 78
Views: 5335

Re: average return over lifetime?

I've been keeping track over a 25 year investing time frame. I've been getting 6.9% nominal annualized after fees. My AA has been between 80/20 and 90/10 over that time. This included major drops in 2001, 2003, and 2008/9 I actually expect better real returns in the future, but am not planning on th...
by MathWizard
Thu Apr 17, 2014 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: average return over lifetime?
Replies: 4
Views: 556

Re: Looking at top 1% for actionable insight

<snip> Wealth Tier----------------------------------------Count---------Mean Net Worth Under $2 million in gross assets---------------449,000--------$1,046,619 $2 million to $3.5 million in gross assets----1,008,000------$2,593,065 $3.5 million to $5 million in gross asset------364,000--------$4,15...
by MathWizard
Tue Apr 15, 2014 6:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking at top 1% for actionable insight
Replies: 73
Views: 7468

Re: Did not have fun this year doing my taxes- TT

I bought my copy ($49 for TT Deluxe which include one state).

They hawked their audit defense, but I don't recall any other ads.

Maybe the online version had more ads.
by MathWizard
Tue Apr 15, 2014 6:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did not have fun this year doing my taxes- TT
Replies: 42
Views: 4046

Re: Math challenged

This is for a 2% management fee rather than the 1% active management fee you asked about, but I love the following exchange with the quote from John (Jack) Bogle: Do you really want to invest in a system where you put up 100 percent of the capital you take 100 percent of the risk and you get 30 perc...
by MathWizard
Tue Apr 15, 2014 6:21 pm
 
Forum: Investing - Theory, News & General
Topic: Math challenged
Replies: 18
Views: 1449

Re: A portfolio with a 7% yield? Your thoughts?

The post http://www.bogleheads.org/forum/viewtopic.php?f=10&t=5410 was from 2007, that is why it ended in 2007. The 7% yield is not the spectacular part, it is the small amount of deviation. I've made over 7% in total return over that time frame, but with several wide swings both positive and ne...
by MathWizard
Tue Apr 15, 2014 2:37 pm
 
Forum: Investing - Theory, News & General
Topic: A portfolio with a 7% yield? Your thoughts?
Replies: 9
Views: 1028

Re: A portfolio with a 7% yield? Your thoughts?

This was from Aug 2007. Did you chart the performance since then? 2008/2009 would probably have been quite a jolt. Maybe he has his answer, maybe not. But if I go for a higher return, I expect to have many more bumps along the way. If it was that easy, everyone would be doing it and there would be n...
by MathWizard
Tue Apr 15, 2014 2:24 pm
 
Forum: Investing - Theory, News & General
Topic: A portfolio with a 7% yield? Your thoughts?
Replies: 9
Views: 1028

Re: Proper Money management and itinerary for Europe trip

Make sure you and your wife each have a few 1 Euro Coins while you are walking around Rome. You'll need them for the WC's (bathrooms) everywhere. Unless the Trevi is a "Must see" I'd skip it. The crowds are horrible. Think sliding body to body through the crowd to get close. There are seve...
by MathWizard
Mon Apr 14, 2014 6:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Proper Money management and itinerary for Europe trip
Replies: 36
Views: 1875

Re: Hand held illuminated magnifying glass

We helped my MIL with getting a low vision CCTV reader. The book or letter sits on a tray that moves easily in both horizontal directions and a camera displays a blown up image of what is on the tray. We selected a used Merlin VGA style, which I think magnified up to 22x. I think it was around $800 ...
by MathWizard
Mon Apr 14, 2014 4:49 pm
 
Forum: Personal Consumer Issues
Topic: Hand held illuminated magnifying glass
Replies: 13
Views: 769

Re: 79% of bachelors degree in tax deductions/credits

Don't Spring of Senior years fees have to be paid in December of the preceeding year?

Not at my son's school. Spring semester fees are paid at the beginning of the spring semester.

Can you claim them the following year?

No, only in the year that you pay for them,
by MathWizard
Sun Apr 13, 2014 8:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: delete this(edited)
Replies: 17
Views: 1537

Re: 79% of bachelors degree in tax deductions/credits

In the 5th year, the AOC would not be available, but the lifetime learning credit would be. This is 20% of cost, and is not limited to tuition. The AOC uses qualified expenses, which specifically disallows room&board and books except under certain conditions, so generally it is just tuition and ...
by MathWizard
Sun Apr 13, 2014 8:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: delete this(edited)
Replies: 17
Views: 1537

Re: A story, and a feeling of financial under-accomplishment

Op, As others have said, don't compare yourself to what people on this board gave accomplished. That is a very high standard to hold yourself to. I'm not in the top half either, and did not grow up with an example of how to make money. It took me a long time to get my graduate degree, mostly because...
by MathWizard
Sat Apr 12, 2014 11:39 am
 
Forum: Personal Finance (Not Investing)
Topic: A story, and a feeling of financial under-accomplishment
Replies: 48
Views: 4177

Re: where is my post?

Use the
View your posts

link if you can't find something you posted in, or started.

Interestingly this is an "egosearch"

search.php?search_id=egosearch
by MathWizard
Fri Apr 11, 2014 5:21 pm
 
Forum: Forum Issues and Administration
Topic: where is my post?
Replies: 10
Views: 693

Re: How to encrypt files for backup?

I use Dropbox, which encrypts them for you: From dropbox: Dropbox secures your files with 256-bit AES encryption and two-step verification. Drop box is free for small use. (2GB total I think). Armor with Google drive for a large amount of data should automate it. Google just dropped their storage pr...
by MathWizard
Fri Apr 11, 2014 12:33 pm
 
Forum: Personal Consumer Issues
Topic: How to encrypt files for backup?
Replies: 22
Views: 1224

Re: What is risk tolerance?

How do you determine it? Why do some people have higher risk tolerance? Does risk tolerance increase with time? If so, at what age should your risk tolerance be the highest? How do you... Asuming you mean risk tolerance as it applies to finance, you go through a series iof questions with yourself: ...
by MathWizard
Wed Apr 09, 2014 2:46 pm
 
Forum: Investing - Theory, News & General
Topic: What is risk tolerance?
Replies: 12
Views: 560

Re: Unsubsidized Fixed Rate Stafford Loans - a good deal?

You did fill out the FAFSA, correct? I did fill it out. My EFC is greater than the TCA, so we only qualify for unsubsidized Stafford loans. A large part of the reason the EFC is that high is I put a decent amount of money into the 529 plans. I don't regret that decision as I think the savings I got...
by MathWizard
Wed Apr 09, 2014 10:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Unsubsidized Fixed Rate Stafford Loans - a good deal?
Replies: 22
Views: 888

Re: Unsubsidized Fixed Rate Stafford Loans - a good deal?

Op, I don't consider unsubsidized student loans to be a good deal. Unlike subsidized stafford loans, there is not a real advantage to them, and yet like any other student loan, they cannot be wiped out in bankruptcy. You did fill out the FAFSA, correct? In the experience with my kids, the student ca...
by MathWizard
Wed Apr 09, 2014 10:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Unsubsidized Fixed Rate Stafford Loans - a good deal?
Replies: 22
Views: 888

Re: Car recommendations - Mazda6, accord, Prius

You might want to test drive a Ford Fusion Hybrid. It gets nearly the same milage as a PRIUS, and provides a little more room inside. It also uses Lithium Ion batteries (like your laptop) which have a higher enegry density that the PRIUS's Nickel Metal Hydride. This means less trunk room taken up by...
by MathWizard
Wed Apr 09, 2014 9:17 am
 
Forum: Personal Consumer Issues
Topic: Car recommendations - Mazda6, accord, Prius
Replies: 23
Views: 1790

Re: $10K for College

@MathWizard..thank you for providing that option. Looking at the eligibility requirements it appears that we meet them to use this credit. I may just use this to pay for the fall semester and then take the American Opportunity Credit on next years taxes rather than putting the money into the 529 ac...
by MathWizard
Tue Apr 08, 2014 5:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: $10K for College
Replies: 7
Views: 1120

Re: Roth IRA - tax free - totally ?

Gains are tax free, whether they are traditional or Roth. That's the entire point of an IRA...it's a government protected investment vehicle that encourages people to invest for their retirement. If gains are taxed, then it's just like a taxable account where you are taxed on capital gains. This is...
by MathWizard
Tue Apr 08, 2014 5:22 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 2756

Re: $10K for College

I'd look at form 8863 . Assuming you are eligible for the Amer. Opp. Credit, that is a great tax credit just for this. The money this applies to must be for tuition, and cannot be from a 529 (I believe). There are also issues I ran into with scholarships being applied to tuition first before you mon...
by MathWizard
Mon Apr 07, 2014 7:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: $10K for College
Replies: 7
Views: 1120

Re: Moving Advice: How do I make my move economical?

How about selling the old car, buying a new car, and driving the new car to Colorado? You're going to want a car in Colorado; there are so many great things to do in that state. +1 Though by new I would me new to you, I would suggest used if you do not have much money. Lots depend on why you are mo...
by MathWizard
Mon Apr 07, 2014 4:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving Advice: How do I make my move economical?
Replies: 16
Views: 891

Re: Do I convert my traditional IRA to a Roth IRA?

Your cost basis on the tIRA also matters. If you happen to have made very little gains so far, then it might be a good time to switch as it will (likely) be significantly more painful later on. That was the trigger for me earlier this year... Check (and archive) those 5498 forms... Would you please...
by MathWizard
Mon Apr 07, 2014 2:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I convert my traditional IRA to a Roth IRA?
Replies: 9
Views: 936

Re: TIAA CREF

I can't tell you which funds to choose, just what I chose. For the CREF portion, I chose the Stock account which is somewhat diversified with some international in there. This is a managed fund, but has a fairly low ER (0.49%) for a managed fund. For index, I chose the equity index, since this origi...
by MathWizard
Mon Apr 07, 2014 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIAA CREF
Replies: 50
Views: 3312

Re: Contributing to prior year's Roth

If you are in the same tax bracket at retirement as you are now, TIRA and ROTH give the similar benefits. TIRA you are not taxed now but are taxed on that money when you withdraw with ROTH you are taxed now but not when you withdraw. ROTH has an advantage that you don't completely tie up the money,...
by MathWizard
Sun Apr 06, 2014 4:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Contributing to prior year's Roth
Replies: 23
Views: 1214

Re: I accidentally discovered a coworkers salary... now what

Don't mention it to her or anyone else in the company. It's her mistake, it's not your responsibility, and anything you do would be suspect. You have 3 years with the company. You could adress what you think is a salary not in sync with your new responsibilities at the next performance review, or yo...
by MathWizard
Sat Apr 05, 2014 10:03 am
 
Forum: Personal Finance (Not Investing)
Topic: I accidentally discovered a coworkers salary... now what?
Replies: 59
Views: 5505

Re: HTTPS [Request to implement HTTPS for this site]

Am I the only one who thinks this whole thread is quite rude to the owner of the site, once the question has been asked and answered. Akin to suggesting a homeowner put child locks on his cabinets, then we he says he does not want to, telling him what a mistake that is and even taking a poll on whet...
by MathWizard
Sat Apr 05, 2014 4:36 am
 
Forum: Forum Issues and Administration
Topic: HTTPS [Request to implement HTTPS for this site]
Replies: 52
Views: 2672

Re: HTTPS [Request to implement HTTPS for this site]

I have a slight off topic, but related question. If my employer's IT person gains access to my online banking ID/password and uses it to commit fraud, is the employer liable or just the IT person? IT person responsible for theft. Company not responsible because you probably violated terms of use do...
by MathWizard
Sat Apr 05, 2014 4:24 am
 
Forum: Forum Issues and Administration
Topic: HTTPS [Request to implement HTTPS for this site]
Replies: 52
Views: 2672

Re: Contributing to prior year's Roth

If you are in the same tax bracket at retirement as you are now, TIRA and ROTH give the similar benefits. TIRA you are not taxed now but are taxed on that money when you withdraw with ROTH you are taxed now but not when you withdraw. ROTH has an advantage that you don't completely tie up the money, ...
by MathWizard
Sat Apr 05, 2014 4:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Contributing to prior year's Roth
Replies: 23
Views: 1214

Re: Trade XP computer for $100 credit at Best Buy

Just received a new 17" laptop from Dell. Had two visits with Dell Support totaling 3 hours on the phone due to me not being very good at this computer stuff. Under warranty so it was free. They went beyond warranty work as they loaded CD's from old Dell XP computer to my new one which I tried...
by MathWizard
Fri Apr 04, 2014 1:40 pm
 
Forum: Personal Consumer Issues
Topic: Trade XP computer for $100 credit at Best Buy
Replies: 6
Views: 878

Re: Help me understand Michael Lewis' "Flash Boys"

Everyone is spinning their wheels to conjure up supposed violations of the rules for trading. All these trading activities are regulated by the exchanges and the SEC which have not restricted them. I think that people are just trying to understand the process, since it could be a drag on earnings w...
by MathWizard
Fri Apr 04, 2014 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: Help me understand Michael Lewis' "Flash Boys"
Replies: 164
Views: 8775

Re: TMobile $30 plan...

... Of course, the ONE place I don't get service is at my parents' house. And my mother has been actively involved in the NIMBY preventing the new tower that would be needed to fix the dead zone for everyone in the area. :annoyed (No, really, it's okay... I just use their landline if needed when I'...
by MathWizard
Fri Apr 04, 2014 11:57 am
 
Forum: Personal Consumer Issues
Topic: TMobile $30 plan...
Replies: 46
Views: 2646

Re: And suddenly, I'm done...

Cut-Throat wrote:Congrats on your Retirement! :happy

Ours was this year also!


If he/she was paying off student loans this year, chances are this is not retirement.
Likely it is just that the financial house is in order and automated.

Still a good feeling though.
by MathWizard
Thu Apr 03, 2014 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: And suddenly, I'm done...
Replies: 24
Views: 4971

Re: Roth IRA Conversion deemed taxable

airahcaz wrote:With negative AGI, seems a Roth IRA conversion ($5500) is now taxable?


Yes a conversion from TIRA to ROTH is always a taxable event. If you have a negative AGI, the
standard deduction mean that even with $5500 more included in income, you would still have a
negative (0) taxable income.
by MathWizard
Thu Apr 03, 2014 12:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Conversion deemed taxable
Replies: 35
Views: 2098

Re: Software patchs beta or stable

do beta versions of software generally have the latest security patchs or the latest "stable" version ? is there a way to turn on weblinks in gmail , re: phishing prevention ? how does one typically check for the presence of a keylogger on their computer, eg to protect my VG account ? Bet...
by MathWizard
Thu Apr 03, 2014 9:53 am
 
Forum: Personal Consumer Issues
Topic: Software patchs beta or stable
Replies: 10
Views: 606

Re: Private elementary school tuition - any tax breaks?

I don't know of any federal income tax breaks for this.

Some state income taxes give a tax break for this, if you have a state income tax, check the
book for someting like Tuition Tax dedection or credit. Turbo Tax will likely bring this up
as well.
by MathWizard
Thu Apr 03, 2014 9:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Private elementary school tuition - any tax breaks?
Replies: 11
Views: 841

Re: Web hosting for largish websites

Have you looked into Amazon Web Services?
by MathWizard
Wed Apr 02, 2014 7:09 pm
 
Forum: Personal Consumer Issues
Topic: Web hosting for largish websites
Replies: 17
Views: 776

Re: Maintenance $$'s spent over the lifetime on your Car

I hope you mean when the maintenance required light comes on and not the low oil light Realize that this could be a fatal event if you are driving at highway speeds when the blowout occurs. I don't know anything about the lights, but it's the one shaped like an oil lamp. When that comes on, I go di...
by MathWizard
Wed Apr 02, 2014 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Maintenance $$'s spent over the lifetime on your Car
Replies: 38
Views: 2380
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