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Re: Took the GRE test [- Suggest a masters degree]

Go the opposite of you believe to be your strength. Pick up your weakest point. Emergence is all about struggling. Unbelievable & wonderful things happen--don't be a pussy. -- Tet Yeah, like my former boss used to assign each of us to the duties we were worst at, to develop us. Bet you can gues...
by Phineas J. Whoopee
Thu Jan 29, 2015 12:22 am
 
Forum: Personal Consumer Issues
Topic: Took the GRE test [- Suggest a masters degree]
Replies: 35
Views: 1803

Re: Took the GRE test [- Suggest a masters degree]

... Masters students may choose one of two options – the thesis option or the non thesis option. Both are 30 semester hour programs. The latter requires more coursework and, of course, does not require that a thesis be written. Thanks, but no thanks, for taking me back. "We're so great! We tak...
by Phineas J. Whoopee
Thu Jan 29, 2015 12:19 am
 
Forum: Personal Consumer Issues
Topic: Took the GRE test [- Suggest a masters degree]
Replies: 35
Views: 1803

Re: Took the GRE test [- Suggest a masters degree]

What was the diff between an MBA and masters? I thought they were the same.. btw how hard is the GRE? the other one was GMAT? What's the diff between the 2? An MBA, a Master of Business Administration, is one of many examples of a Master's degree. Unlike most others, the MBA, like an ME, MSW, and a...
by Phineas J. Whoopee
Wed Jan 28, 2015 11:53 pm
 
Forum: Personal Consumer Issues
Topic: Took the GRE test [- Suggest a masters degree]
Replies: 35
Views: 1803

Re: Took the GRE test [- Suggest a masters degree]

... I agree with the premise, but C's are okay occasionally in some programs, and for many technical majors there are often non-thesis (more or less all coursework) M.S. options. Good thing for me I included the word "usually," then. :wink: The landscape may have changed since my first pr...
by Phineas J. Whoopee
Wed Jan 28, 2015 8:57 pm
 
Forum: Personal Consumer Issues
Topic: Took the GRE test [- Suggest a masters degree]
Replies: 35
Views: 1803

Re: Took the GRE test [- Suggest a masters degree]

I fully concur: do not attempt a graduate course of study unless you are intensely interested in the topic, to such an extent you will put up with being treated as if you're a high school sophomore by the faculty and staff, while being expected to produce huge amounts of clearly superior work. Usual...
by Phineas J. Whoopee
Wed Jan 28, 2015 7:55 pm
 
Forum: Personal Consumer Issues
Topic: Took the GRE test [- Suggest a masters degree]
Replies: 35
Views: 1803

Re: Age limit on IRA deduction

... If they started their first Roths more than 5 years ago, they can treat the Roth IRA as essentially a tax-free savings account at their age. They can put in up to $6500 a year each ( if they have the income to match it ), and can pull it out whenever they want completely tax free, consequence f...
by Phineas J. Whoopee
Wed Jan 28, 2015 6:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Age limit on IRA deduction
Replies: 19
Views: 827

Re: USA Medical Insurance, while travelling overseas?

I don't see that it specifies Capital Loss Carryovers of -$3000.00 , do you ? ... If: The figure used to determine eligibility for lower costs in the Marketplace and for Medicaid and CHIP. Generally, modified adjusted gross income is your adjusted gross income plus any tax-exempt Social Security, i...
by Phineas J. Whoopee
Wed Jan 28, 2015 6:02 pm
 
Forum: Personal Consumer Issues
Topic: USA Medical Insurance, while travelling overseas?
Replies: 19
Views: 821

Re: USA Medical Insurance, while travelling overseas?

It's Modified Adjusted Gross Income as defined specifically for ACA purposes. You can find a simple explanation of it at this link.
PJW
by Phineas J. Whoopee
Wed Jan 28, 2015 4:50 pm
 
Forum: Personal Consumer Issues
Topic: USA Medical Insurance, while travelling overseas?
Replies: 19
Views: 821

Re: Why do brokerages give commission free-etfs

And soft dollars, and payments for order flow, among things not yet mentioned in the thread. Some may be authorized participants. The list of ways financial intermediaries can make money without its showing up as a line item on customer statements is long.
PJW
by Phineas J. Whoopee
Wed Jan 28, 2015 4:35 pm
 
Forum: Investing - Theory, News & General
Topic: Why do brokerages give commission free-etfs
Replies: 19
Views: 1659

Re: VXUS and VTI names

Anyone know a cute ticker symbol poem?! Know one? No. Not one. Write one? Yes. One. Except it ain't cute, and in court I'll deny authorship, of course, notwithstanding the written evidence I'm recording right here right now on these here public internets. :happy An airline north Texas was from. (Hi...
by Phineas J. Whoopee
Wed Jan 28, 2015 3:03 am
 
Forum: Investing - Help with Personal Investments
Topic: VXUS and VTI names
Replies: 14
Views: 909

Re: VXUS and VTI names

JDDS wrote:... I have a friend that lives down there ...


GHCGZ, spookily channeled this here night, wrote:Something must be done. War would mean a prohibitive increase in our taxes.

Hey, I've got an uncle lives in Texas.

No, I'm talking about taxes. Money. Dollars.

Dallas. That's where my uncle lives. Dallas, Texas.

PJW
by Phineas J. Whoopee
Wed Jan 28, 2015 1:25 am
 
Forum: Investing - Help with Personal Investments
Topic: VXUS and VTI names
Replies: 14
Views: 909

Re: VXUS and VTI names

They, the ETFs, and therefore their ticker symbols, were initiated at different times. It's unreasonable to expect products of history to have been coordinated. Try explaining the ticker symbol LUV. I'm pretty sure few far away from Dallas will intuit its origin. They're all but arbitrary. For under...
by Phineas J. Whoopee
Wed Jan 28, 2015 12:56 am
 
Forum: Investing - Help with Personal Investments
Topic: VXUS and VTI names
Replies: 14
Views: 909

Re: Refund from the IRS? Why?

[response to OT comment removed by admin alex]
by Phineas J. Whoopee
Wed Jan 28, 2015 12:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Refund from the IRS? Why?
Replies: 45
Views: 4133

Re: Do you reject mutual funds if assets grow too large?

Not for total-market index funds, I don't.
PJW
by Phineas J. Whoopee
Tue Jan 27, 2015 11:26 pm
 
Forum: Investing - Theory, News & General
Topic: Do you reject mutual funds if assets grow too large?
Replies: 4
Views: 630

Re: VA state asks monthly filing of withholding tax

Unless going out of business, or moving to a different state you've researched the tax policies of, is an option, you have no choice, over the short run. The law is the law.
PJW
by Phineas J. Whoopee
Tue Jan 27, 2015 9:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: VA state asks monthly filing of withholding tax
Replies: 4
Views: 525

Re: Renaissance tech vs EMH

And that's the point. People have, in recent memory, claimed it wasn't their fault, must be somebody else's fault, can't be their fault, when a normal distribution failed to accurately model the risks they took, yet they continued to rely on the very assumption which sunk them, in order to show it c...
by Phineas J. Whoopee
Tue Jan 27, 2015 9:07 pm
 
Forum: Investing - Theory, News & General
Topic: Renaissance tech vs EMH
Replies: 37
Views: 1704

Re: Are any US-only investors having 2nd thoughts?

If the underlying holdings didn't perform differently from time to time, it wouldn't be diversification.

If investors didn't think about whether a stock market decision over four weeks less one day was wrong based on 27-day performance, it wouldn't be the stock market.

PJW
by Phineas J. Whoopee
Tue Jan 27, 2015 8:46 pm
 
Forum: Investing - Theory, News & General
Topic: Are any US-only investors having 2nd thoughts?
Replies: 43
Views: 3967

Re: data mining vs. historical performance

... This is an important point, too. I believe Nisiprius made it earlier, as well. People who deliberately manipulate endpoints to support their hypothesis aren't data mining, they're being intellectually dishonest. Would it be possible for you to distinguish for us between what you think the term ...
by Phineas J. Whoopee
Tue Jan 27, 2015 8:21 pm
 
Forum: Investing - Theory, News & General
Topic: data mining vs. historical performance
Replies: 38
Views: 1360

Re: data mining vs. historical performance

MindBogler wrote:...
You've setup a classic red herring. ...

Thank you for the characterization. May I suggest for your reading pleasure the Cost Matters Hypothesis?
PJW
by Phineas J. Whoopee
Tue Jan 27, 2015 8:19 pm
 
Forum: Investing - Theory, News & General
Topic: data mining vs. historical performance
Replies: 38
Views: 1360

Re: data mining vs. historical performance

I think there's still some misunderstanding. It is obviously, without reference to data, true that X-1 < X. Nobody has to show past data to demonstrate costs matter. Nobody has to show past data to demonstrate T(otal)M(arket)N(et)Return < T(otal)M(arket)G(ross)Return. These truths are truly self-evi...
by Phineas J. Whoopee
Tue Jan 27, 2015 7:14 pm
 
Forum: Investing - Theory, News & General
Topic: data mining vs. historical performance
Replies: 38
Views: 1360

Re: VA state asks monthly filing of withholding tax

Pay monthly and manually, invent a way not to lose track, and if you like, send campaign contributions to candidates for the Commonwealth's General Assembly who want to change the law. I don't know what else anybody could say. I'll probably find out, however, when other people say things. :wink: PJW
by Phineas J. Whoopee
Tue Jan 27, 2015 6:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: VA state asks monthly filing of withholding tax
Replies: 4
Views: 525

Re: Refund from the IRS? Why?

I don't get a big pile back but its normally enough to fund 1/2 of a Roth give or take. I would rather get a few bucks back than pay in, its just a mental thing. I would be 3 times crappier paying in $1,000 vs. getting $1,000 back. What you feel like is what you feel like, and nobody can tell you b...
by Phineas J. Whoopee
Tue Jan 27, 2015 5:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refund from the IRS? Why?
Replies: 45
Views: 4133

Re: Bond Funds and a Cash Yield Question

Hi choudoufu, and welcome to the forum! If you need cash in the next six to twelve months, out of what you own now, the best thing, assuming the amount of money isn't more than several million dollars, is to use high-yield (around 1% for the top ones right now) savings accounts at FDIC-insured banks...
by Phineas J. Whoopee
Tue Jan 27, 2015 5:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond Funds and a Cash Yield Question
Replies: 4
Views: 310

Re: data mining vs. historical performance

In my humble opinion, for which I don't have any source, data mining or not is similar to deciding on a conclusion beforehand or not. Data mining: Look at this chart from May 1948 - September 1973 for this particular commodity! It proves I was right all along! Not data mining: Hmmm, that looks like ...
by Phineas J. Whoopee
Tue Jan 27, 2015 4:07 pm
 
Forum: Investing - Theory, News & General
Topic: data mining vs. historical performance
Replies: 38
Views: 1360

Re: Question on investing/ personal finance newsletters....

Anybody who knows the secret to fabulous investing results will borrow all they can, invest using the secret, and become a billionaire. Anybody who doesn't but is a great salesperson will consider whether selling newsletters is the best means to become a billionaire without the secret, but usually t...
by Phineas J. Whoopee
Tue Jan 27, 2015 3:30 am
 
Forum: Investing - Theory, News & General
Topic: Question on investing/ personal finance newsletters....
Replies: 7
Views: 575

Re: The Oxford Newsletter

They feel a social obligation to share their skills, so all of us can beat the market?
PJW
by Phineas J. Whoopee
Tue Jan 27, 2015 3:15 am
 
Forum: Investing - Theory, News & General
Topic: The Oxford Newsletter
Replies: 3
Views: 291

Re: Renaissance tech vs EMH

Nor does anybody, that I know of, claim sectors all perform in lockstep, nor that investors who concentrate in certain ones won't do better when those are ascendent.
PJW
by Phineas J. Whoopee
Tue Jan 27, 2015 1:17 am
 
Forum: Investing - Theory, News & General
Topic: Renaissance tech vs EMH
Replies: 37
Views: 1704

Re: Renaissance tech vs EMH

The people who talk about, to quote your scare quote, "no one can consistently beat the market," don't know what they're talking about. The EMH makes no such claim, nor do the claims it does make imply it. What you've cited is a parody of the EMH, most frequently used by those who have som...
by Phineas J. Whoopee
Tue Jan 27, 2015 12:28 am
 
Forum: Investing - Theory, News & General
Topic: Renaissance tech vs EMH
Replies: 37
Views: 1704

Re: Refund from the IRS? Why?

Apply any overage to the next year. What does that mean? Do they let you do it? Yes. It's one of the options on 1040 and 1040A. First quarter estimated taxes are due on the same day as tax returns anyway, 15 April, so it makes logistical sense for those who have both a refund and a 1Q obligation. PJW
by Phineas J. Whoopee
Mon Jan 26, 2015 10:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refund from the IRS? Why?
Replies: 45
Views: 4133

Re: Better to keep or sell the inflation-protected bond fund

Any mutual fund, including a bond fund, is nothing more than a vehicle to own the underlying assets, in this case bonds, and more specifically, TIPS. Why would it be logical that owning the very same assets as a fund would shield you from what happens to the Net Asset Value, that is, taking into acc...
by Phineas J. Whoopee
Mon Jan 26, 2015 9:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Better to keep or sell the inflation-protected bond fund?
Replies: 4
Views: 718

Re: USA Medical Insurance, while travelling overseas?

I would go with the COBRA if it's just 1 month, especially as you can enroll within 60 days, ie. retroactively . ... That's not necessarily the case. In this thread we've already established the continuation of employer coverage is not COBRA. The employer might, out of the goodness of its heart, of...
by Phineas J. Whoopee
Mon Jan 26, 2015 9:36 pm
 
Forum: Personal Consumer Issues
Topic: USA Medical Insurance, while travelling overseas?
Replies: 19
Views: 821

Re: Efficient markets: luck v. skill

It does not.

Your premise is flat-out wrong.

I've already explained.

PJW
by Phineas J. Whoopee
Mon Jan 26, 2015 9:18 pm
 
Forum: Investing - Theory, News & General
Topic: Efficient markets: luck v. skill
Replies: 34
Views: 2229

Re: USA Medical Insurance, while travelling overseas?

You're asking for special enrollment because you are losing employer-paid health insurance.
PJW
by Phineas J. Whoopee
Mon Jan 26, 2015 9:15 pm
 
Forum: Personal Consumer Issues
Topic: USA Medical Insurance, while travelling overseas?
Replies: 19
Views: 821

Re: 40 years of IRA and 401k Contributions

... One would not want to base their future on some government contribution limits but I'm afraid many have done much worse! ... The government does not place any specific limit on how much any individual may set aside with the purpose of using it later. It does set a limit on how much can be shelt...
by Phineas J. Whoopee
Mon Jan 26, 2015 9:14 pm
 
Forum: Investing - Theory, News & General
Topic: 40 years of IRA and 401k Contributions
Replies: 18
Views: 2231

Re: USA Medical Insurance, while travelling overseas?

You yourself brought up why you need US insurance - for the event that you're repatriated. Maybe it only needs to be catastrophic or high-deductible, if you otherwise can cover costs, but I'm just reflecting what you already pointed out in your OP.
PJW
by Phineas J. Whoopee
Mon Jan 26, 2015 8:58 pm
 
Forum: Personal Consumer Issues
Topic: USA Medical Insurance, while travelling overseas?
Replies: 19
Views: 821

Re: USA Medical Insurance, while travelling overseas?

All health insurance in the US, except for the dwindling number of grandfathered plans, must comply with the minimal coverage provisions of the Affordable Care Act, so there's no use distinguishing ACA health insurance from any other. Not all of it is offered on the health insurance exchanges. Wheth...
by Phineas J. Whoopee
Mon Jan 26, 2015 8:06 pm
 
Forum: Personal Consumer Issues
Topic: USA Medical Insurance, while travelling overseas?
Replies: 19
Views: 821

Re: Vanguard Retirement Income Funds and TIPS

... You don't even get the flexibility to pick your own withdrawal rate. It picks 4% for you. 4% may be appropriate for someone who is 65, but if you're retiring early you may not be able to withstand 4%, and if you're retiring later you could afford to take a good deal more than 4%. ... I don't di...
by Phineas J. Whoopee
Mon Jan 26, 2015 7:46 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Retirement Income Funds and TIPS
Replies: 6
Views: 680

Re: Vanguard Retirement Income Funds and TIPS

Thanks for your reply and thoughts, PJW. ... What I'm here for. I suspect you're right: the difference is likely Vanguard offering a variety of products for a varied consumer population. I'm curious, can you offer an example of when a retiree relying on the income stream from a portfolio would not ...
by Phineas J. Whoopee
Mon Jan 26, 2015 7:08 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Retirement Income Funds and TIPS
Replies: 6
Views: 680

Re: Vanguard Retirement Income Funds and TIPS

... My questions for discussion: Do TIPS or don't TIPS have a place in retirement portfolios? In my opinion yes, to the extent the investor is exposed to the risk of unexpected inflation. Different investors will be in different situations. Is Vanguard being inconsistent here? I think of it differe...
by Phineas J. Whoopee
Mon Jan 26, 2015 6:31 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Retirement Income Funds and TIPS
Replies: 6
Views: 680

Re: Efficient markets: luck v. skill

No, because the hypothesis, which is not a theory, doesn't state that. I'm done with giving you links and explanations. Others, yes.
PJW
by Phineas J. Whoopee
Mon Jan 26, 2015 5:38 pm
 
Forum: Investing - Theory, News & General
Topic: Efficient markets: luck v. skill
Replies: 34
Views: 2229

Anti-anti-fragile, or, the Contrapositive

Thanks to VictoriaF, I've read Taleb. Thanks to VictoriaF, I've read VictoriaF. :wink: There are other experts whose words I've read, and pondered. I have a sincere question, to which I do not today know the answer, descended from my claim, weeks ago, to be robust (as Taleb writes about and then goe...
by Phineas J. Whoopee
Sat Jan 24, 2015 8:27 pm
 
Forum: Investing - Theory, News & General
Topic: Anti-anti-fragile, or, the Contrapositive
Replies: 4
Views: 573

Re: Efficient markets: luck v. skill

... And your point is? Sorry? I hoped I made it clear but evidently not. It isn't enough to identify, after the fact , who would have been a good investment manager to entrust funds to. It's only useful to identify today, before the fact , who, in several decades, will have generated higher-than-ma...
by Phineas J. Whoopee
Thu Jan 22, 2015 11:53 pm
 
Forum: Investing - Theory, News & General
Topic: Efficient markets: luck v. skill
Replies: 34
Views: 2229

Re: Efficient markets: luck v. skill

Nor have we found a manager that can consistently and predictably beat the market. Best wishes. Sure, we have. Jim Simons, for sure, Edward Thorpe, and probably Buffet as well. He said "can consistently and predictably," not "did." Conflating verb tenses can be hazardous to one'...
by Phineas J. Whoopee
Thu Jan 22, 2015 11:08 pm
 
Forum: Investing - Theory, News & General
Topic: Efficient markets: luck v. skill
Replies: 34
Views: 2229

Re: Efficient markets: luck v. skill

... I liken the argument of considering the EMH as true until proven wrong , along the same line of considering unicorns exist until proven they don't. Which, of course, absolutely nobody who knows what they're talking about claims. You liken it to unicorns. I liken your crusade to tilting at windm...
by Phineas J. Whoopee
Thu Jan 22, 2015 10:30 pm
 
Forum: Investing - Theory, News & General
Topic: Efficient markets: luck v. skill
Replies: 34
Views: 2229

Re: Does securities lending matter more than expense ratios?

... No the expense ratio does not include an offset for securities lending. Securities lending can be seen as added income to the fund, much like dividends or interest payments the fund receives from the stocks/bonds it holds. That securities lending revenue is added to the dividends that are distr...
by Phineas J. Whoopee
Thu Jan 22, 2015 10:12 pm
 
Forum: Investing - Theory, News & General
Topic: Does securities lending matter more than expense ratios?
Replies: 29
Views: 1766

Re: Reporter doing story on pitfalls of doing one's own taxe

There are six education deductions/credits. There are multiple definitions of a child. The rules for IRA, 401k, 403, 457, etc are different (e.g., you can withdraw from an IRA for a first-home purchase, but not from a 401k). None of this is the IRS's fault. Good point. Congress creates tax law. The...
by Phineas J. Whoopee
Thu Jan 22, 2015 9:52 pm
 
Forum: Investing - Theory, News & General
Topic: Reporter doing story on pitfalls of doing one's own taxes
Replies: 40
Views: 4674

Re: Efficient markets: luck v. skill

The question as OP asked it is nearly unanswerable. Nearly, in the sense of even in principle; and unanswerable, in the sense of even in practice. A better question is: Some investors and investment managers have generated higher-than-market returns. Can we demonstrate, in a refuting-the-null-hypoth...
by Phineas J. Whoopee
Thu Jan 22, 2015 9:38 pm
 
Forum: Investing - Theory, News & General
Topic: Efficient markets: luck v. skill
Replies: 34
Views: 2229

Re: Microsoft Money Plus Sunset

...I have learned of MS Money Plus Sunset and understand that it is available from Microsoft at no cost. I am hoping that someone here has had some experience with the product and can pass on some information and comment. I've been using MS Money since the 1990s. 1. Am I correct that it is free and...
by Phineas J. Whoopee
Thu Jan 22, 2015 9:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Microsoft Money Plus Sunset
Replies: 12
Views: 1317

Re: Non Dividend Paying Stocks in Index Mutual Funds?

Yes, cap-weighted total-market indices, and many others, include non-dividend-paying stocks along with their payout-inclined brethren. The real measure isn't cash payouts, but earnings. PJW So, trying to understand this. Take VTSAX TSM fund for example. Yes, good choice, let's do that. TSM fund onl...
by Phineas J. Whoopee
Thu Jan 22, 2015 8:43 pm
 
Forum: Investing - Theory, News & General
Topic: Non Dividend Paying Stocks in Index Mutual Funds?
Replies: 6
Views: 816
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