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Re: SSA Resumes Mailing Social Security Statements

Spirit Rider wrote:You can still review your up to date statements online.

Unless you answer one of the ID questions wrong due to incorrect info in your credit report. Then you are locked out for life.

It is not too hard to request a paper copy though.
by rkhusky
Wed Sep 17, 2014 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: SSA Resumes Mailing Social Security Statements
Replies: 3
Views: 484

Re: TSP Withdrawal Strategies - Fedsmith Article

Couldn't you just withdraw whatever amount you want, then rebalance immediately to whatever percnetage allocation you want? This would be the tactic that would make the most sense to me. It's a hassle but eh. I wish that TSP didn't commingle Roth and Traditional withdrawals. It tracks them separate...
by rkhusky
Wed Sep 17, 2014 1:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: TSP Withdrawal Strategies - Fedsmith Article
Replies: 13
Views: 836

Re: Good Modern Science Fiction

Just thought of another series that I've enjoyed: Riverworld by Philip Jose Farmer. Which also brought to mind Ringworld by Larry Niven (more for the similarity in titles than in the subject matter or writing style).
by rkhusky
Wed Sep 17, 2014 7:54 am
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 129
Views: 4977

Re: TSP Withdrawal Strategies - Fedsmith Article

You can however make interfund transfers prior to withdrawal. You can't do this very precisely because the interfund transfer process only allows you to set whole number percentages for all the funds in your portfolio. For example, you can't do a direct transfer from the C Fund to the G Fund (edit:...
by rkhusky
Wed Sep 17, 2014 7:28 am
 
Forum: Personal Finance (Not Investing)
Topic: TSP Withdrawal Strategies - Fedsmith Article
Replies: 13
Views: 836

Re: Ack! Bought a Dividend!

You should really have waited until after Dec 23 to buy those shares, so that you could also miss the dividends paid out on Dec 22. In fact, you should really wait until Dec 23, 2015, so that you can miss all of next year's dividends as well. Really, for funds that distribute dividends quarterly (or...
by rkhusky
Tue Sep 16, 2014 4:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ack! Bought a Dividend!
Replies: 26
Views: 2290

Re: Best Vanguard Value Fund in Taxable Account?

Value funds are best held in tax-advantaged due to the higher dividend yield.
by rkhusky
Tue Sep 16, 2014 4:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best Vanguard Value Fund in Taxable Account?
Replies: 2
Views: 497

Re: Blending Wellesly , TSP and Bonds

Interesting that High Dividend Yield has 393 stocks, Value Index has 316, and Wellesley has 61. Might not be possible to exactly replicate the latter with either of the former.
by rkhusky
Tue Sep 16, 2014 1:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Blending Wellesly , TSP and Bonds
Replies: 5
Views: 629

Re: "The Education of a Value Investor"

Ken French library has daily prices for the base portfolios (http://mba.tuck.dartmouth.edu/pages/fac ... brary.html). You can compute weekly, monthly, quarterly, or yearly returns.
by rkhusky
Tue Sep 16, 2014 8:18 am
 
Forum: Investing - Theory, News & General
Topic: "The Education of a Value Investor"
Replies: 26
Views: 2427

Re: Blending Wellesly , TSP and Bonds

Vanguard Wellesley has about a 40/60 stock/bond ratio. The stocks tend to be large value and so the Vanguard Value Index would be a close match although it skews a bit smaller than Wellesley does (67,28,5 vs. 53,35,12 for (Giant, Large, Medium Morningstar categories)). Wellesley has more corporate b...
by rkhusky
Tue Sep 16, 2014 8:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Blending Wellesly , TSP and Bonds
Replies: 5
Views: 629

Re: Good Modern Science Fiction

I've also enjoyed reading the Well World books by Jack Chalker, as well as the Pip and Flinx books by Alan Dean Foster and also his Icerigger trilogy. I much prefer Heinlein's early books to his more famous books, like Citizen of the Galaxy, Have Spacesuit Will Travel, Red Planet, Tunnel in the Sky,...
by rkhusky
Fri Sep 12, 2014 5:22 pm
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 129
Views: 4977

Re: "The Education of a Value Investor"

According to Yahoo, Vanguard TISM grew by 244% from Sept 15, 1997 to present, while TSM grew by 309% (VG Index 500 grew by 292% for the same period). I could not verify the Aquamarine return with a quick Google search. Even if the reported numbers are true, I would not invest based on a single time ...
by rkhusky
Thu Sep 11, 2014 8:41 am
 
Forum: Investing - Theory, News & General
Topic: "The Education of a Value Investor"
Replies: 26
Views: 2427

Re: Total World is 50% Intl?!

Vanguard Total World Stock ETF (.18% Expense Ratio) https://personal.vanguard.com/us/funds/snapshot?FundId=3141&FundIntExt=INT 50% North America 50% Intl :confused thought 20%-25% intl is the recommended allocation? While it may be 50/50 now, it could go to 60/40 or 40/60. There is no rebalanci...
by rkhusky
Wed Sep 10, 2014 8:07 am
 
Forum: Investing - Theory, News & General
Topic: Total World is 50% Intl?!
Replies: 17
Views: 2186

Re: Good Modern Science Fiction

You mentioned Orson Scott Card. I really liked the first few books in both the Ender's Game and the Alvin Maker series. I also really liked the short story collection in The Folk of the Fringe.
by rkhusky
Tue Sep 09, 2014 8:17 am
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 129
Views: 4977

Re: Good Modern Science Fiction

Harry Harrison's West of Eden trilogy is interesting. For light reading, I like his Stainless Steel Rat series. In the latter vein, I also like Laumer's Retief books and Terry Brooks Landover series. I also liked Piers Anthony's Apprentice Adept and Incarnations of Immortality series, although the l...
by rkhusky
Mon Sep 08, 2014 12:22 pm
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 129
Views: 4977

Re: WSJ on leaving Roth IRA to heirs.. no so fast???

The problem with trying to plan based on potential changes to the tax code is that there are so many possibilities. This one is in the 2015 proposed budget. Yes, it's still not law, but most of the other things you mentioned are a lot farther away from being implemented at least at this point. I wa...
by rkhusky
Mon Sep 08, 2014 10:14 am
 
Forum: Personal Finance (Not Investing)
Topic: WSJ on leaving Roth IRA to heirs.. no so fast???
Replies: 11
Views: 1893

Re: POLL: Has a financial firm made a mistake with your mone

Bank was late with a billpay, which incurred a late charge. After BBB and state complaints, the bank paid the late charge. Refinanced our mortgage and the new provider did not send the check to the old provider in a timely manner, which resulted in a negative item on my credit report. We got it fixe...
by rkhusky
Mon Sep 08, 2014 10:05 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Has a financial firm made a mistake with your money?
Replies: 52
Views: 2628

Re: WSJ on leaving Roth IRA to heirs.. no so fast???

The problem with trying to plan based on potential changes to the tax code is that there are so many possibilities. For example, the US could implement a wealth tax or a tax on deposits or assets (http://www.washingtontimes.com/news/2014/sep/6/sen-sanders-calls-wealth-tax-afl-cio-convention/), which...
by rkhusky
Mon Sep 08, 2014 8:05 am
 
Forum: Personal Finance (Not Investing)
Topic: WSJ on leaving Roth IRA to heirs.. no so fast???
Replies: 11
Views: 1893

Re: Specific identification of shares and Vanguard

Keep It Simple wrote:... the numbers Vanguard will provide you with will be accurate and you will not have to track it yourself.

Unless Vanguard makes a mistake. I prefer to also keep track of it myself. But then I also reconcile my check register and credit card statements too.
by rkhusky
Mon Sep 08, 2014 7:47 am
 
Forum: Investing - Theory, News & General
Topic: Specific identification of shares and Vanguard
Replies: 9
Views: 741

Re: What risk-return really means

It's always irritating to see posts essentially guaranteeing higher return in exchange for taking more risk, as opposed to investors demanding a higher expected return for taking more risk. There are no guarantees, even with a diversified passive portfolio. Stocks may not outperform bonds going forw...
by rkhusky
Fri Sep 05, 2014 12:07 pm
 
Forum: Investing - Theory, News & General
Topic: What risk-return really means
Replies: 41
Views: 2302

Re: Warning level

My level is 1 and I remember getting 1 warning PM.
by rkhusky
Fri Sep 05, 2014 9:44 am
 
Forum: Forum Issues and Administration
Topic: Warning level
Replies: 39
Views: 2253

Re: Why is REIT only sector fund recommended in slice & dice

If you do hold other sector funds, you're choosing to hold them at greater than their market weighting - and if you subscribe to the efficient market hypothesis, they're already at the correct weight. But isn't this what you do with any slice and dice portfolio? You over weight small caps for examp...
by rkhusky
Wed Sep 03, 2014 2:38 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7318

Re: Best AA? (3fund vs Slice n Dice vs only Balanced Funds v

Avoid making decisions based on the performance over a single time period. Look at 10's or 100's of time periods. Avoid trying to achieve the highest returning portfolio - you will also likely achieve the highest risk portfolio. Avoid switching your portfolio AA every year - choose something reasona...
by rkhusky
Wed Sep 03, 2014 8:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Best AA? (3fund vs Slice n Dice vs only Balanced Funds vs ?)
Replies: 5
Views: 426

Re: Free credit report not available online

If you make a telephone request through the http://www.annualcreditreport.com system, you don't have to send in a bunch of documentation. I get locked out occasionally, so I've done this a number of times. (I usually block javascript and recently the bureaus have started using iesnare.com, which I d...
by rkhusky
Tue Sep 02, 2014 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Free credit report not available online
Replies: 7
Views: 434

Re: Eliminate small MF lots?

The only fund I own is VWITX (int term tax exempt) and was only planning to purchase the total market stock fund in addition to this for the moment. VWITX has monthly dividends, which makes things a bit more messy. While I trust Vanguard, I like to double-check with my own records. I choose to send...
by rkhusky
Tue Sep 02, 2014 10:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Eliminate small MF lots?
Replies: 16
Views: 1127

Re: Do I need to see my credit report?

In our state, car insurance rates are dependent on a credit score and our insurance company lists the score in our paperwork.

We've also gotten our score when we've refinanced our mortgage, since it was also listed in the paperwork.
by rkhusky
Tue Sep 02, 2014 8:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Do I need to see my credit report?
Replies: 34
Views: 1477

Re: Max Contribution 401K Traditional vs Roth

Also keep in mind that the Roth vs Traditional answer also depends on other income that one might have in retirement, such as a pension and Social Security. One cannot just compare marginal rates while working and in retirement. You need to compare the effective tax rates on contributions and withdr...
by rkhusky
Mon Sep 01, 2014 4:22 pm
 
Forum: Investing - Theory, News & General
Topic: Max Contribution 401K Traditional vs Roth
Replies: 5
Views: 614

Re: Taxable investments - just starting out with 3 fund port

There are some posters here in the same situation. They've chosen to hang on to their pre-Boglehead investments rather than incur the significant taxation that would be involved in selling. Determine how much tax your are willing to bear and keep an eye out for opportunities to sell - a significant ...
by rkhusky
Sun Aug 31, 2014 7:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Sell/hold Taxable investments -starting out with 3 fund port
Replies: 3
Views: 304

Re: Trying to understand the 1040 Tax Table

Effective tax rate has no meaning or value. It is merely a red herring that politicians of all stripes use to deceive the voting public. All financial decisions are based on marginal rate. Incorrect. With no other income besides a withdrawal from a tax-deferred account, the effective tax rate is mu...
by rkhusky
Sat Aug 30, 2014 9:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Trying to understand the 1040 Tax Table
Replies: 36
Views: 2479

Re: Trying to understand the 1040 Tax Table

or perhaps, if the additional income is occurring on top of an established base of income, it is the marginal effective rate or the effective marginal rate for that extra lump of income, not the average tax rate of all the income but just the incremental additional income? Right. (To my ear, the la...
by rkhusky
Sat Aug 30, 2014 7:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Trying to understand the 1040 Tax Table
Replies: 36
Views: 2479

Re: Trying to understand the 1040 Tax Table

That money taken from your IRA will be taxed at your marginal rate. Effective tax rate, while interesting, is useless for decision making. All decisions to recognize additional income or accelerate deductions are based on the marginal rate. Both of these quotes are assuming that the income or IRA w...
by rkhusky
Fri Aug 29, 2014 10:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to understand the 1040 Tax Table
Replies: 36
Views: 2479

Re: Trying to understand the 1040 Tax Table

That is incorrect. If I withdraw $100,000 from my traditional IRA, with no other income, my marginal rate is not zero. In this case, I would have saved $25K by using the traditional IRA (with a marginal rate of 25%), which I could have invested. If my effective rate on this withdrawal is 10%, I pay...
by rkhusky
Fri Aug 29, 2014 10:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to understand the 1040 Tax Table
Replies: 36
Views: 2479

Re: Trying to understand the 1040 Tax Table

Marginal tax rate is useful for some decisions. Effective tax rate is useful for others. As an example of the latter, consider the Roth vs Traditional decision. While you typically get a tax break at your marginal rate when contributing to a Traditional Account, if you have no other sources of inco...
by rkhusky
Fri Aug 29, 2014 9:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to understand the 1040 Tax Table
Replies: 36
Views: 2479

Re: Trying to understand the 1040 Tax Table

Marginal tax rate is useful for some decisions. Effective tax rate is useful for others. As an example of the latter, consider the Roth vs Traditional decision. While you typically get a tax break at your marginal rate when contributing to a Traditional Account, if you have no other sources of incom...
by rkhusky
Thu Aug 28, 2014 3:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to understand the 1040 Tax Table
Replies: 36
Views: 2479

Re: Cost Basis Method

grabiner wrote: I sent Vanguard a secure Email identifying which lots to sell, and what I had paid for the lots.


I've used SpecID on noncovered shares without telling Vanguard. I just keep track of what I paid and received and report the info on my tax forms. Hopefully it won't come back to bite me.
by rkhusky
Thu Aug 28, 2014 10:32 am
 
Forum: Investing - Theory, News & General
Topic: Cost Basis Method
Replies: 16
Views: 1033

Re: AA of 60/40 for your Lifetime?

The more stocks you have, the better you do, but you have a higher chance for poor results. Risk vs. Reward. It appears fairly monotonic but I haven't plotted it out. If so, no sweet spot. There may not be a nominal "sweet spot" but that doesn't mean there isn't a risk adjusted "swee...
by rkhusky
Thu Aug 28, 2014 8:01 am
 
Forum: Investing - Help with Personal Investments
Topic: AA of 60/40 for your Lifetime?
Replies: 27
Views: 2343

Re: Questions: Target 2035/Three fund portfolio

Common advice is to look at the portfolio of target date funds, not the name, in deciding if it is right for you. Are you comfortable with 83% stocks or 90% stocks? As has been mentioned, consider your portfolio in total. Decide on an overall AA, then how to fund the individual pieces. Some have sug...
by rkhusky
Thu Aug 28, 2014 7:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Questions: Target 2035/Three fund portfolio
Replies: 8
Views: 629

Re: Sick Building Syndrome (Electrical Pollution)

I would check into air quality.
by rkhusky
Thu Aug 28, 2014 7:42 am
 
Forum: Personal Consumer Issues
Topic: Sick Building Syndrome (Electrical Pollution)
Replies: 17
Views: 1376

Re: AA of 60/40 for your Lifetime?

Vanguard did some analysis on the subject: https://personal.vanguard.com/us/insights/saving-investing/model-portfolio-allocations/ The more stocks you have, the better you do, but you have a higher chance for poor results. Risk vs. Reward. It appears fairly monotonic but I haven't plotted it out. If...
by rkhusky
Wed Aug 27, 2014 11:09 am
 
Forum: Investing - Help with Personal Investments
Topic: AA of 60/40 for your Lifetime?
Replies: 27
Views: 2343

Re: Really dumb question from a newbie. passive investing

What would be "active" investing? Trying to time the market. Although there are various levels of active/passive investing. But generally, if your Asset Allocation does not change based on market conditions, you are passive. Target Date funds change their asset allocation over time as you...
by rkhusky
Tue Aug 26, 2014 9:52 am
 
Forum: Investing - Theory, News & General
Topic: Really dumb question from a newbie. passive investing
Replies: 6
Views: 790

Re: Catastrophe Brewing - Longevity

Thanks Alan. If the article is correct, and new 2015 longevity tables will show that the 'average' 65 year old will live to age 87.7, then waiting until 70 to draw Social Security becomes almost a no-brainer for most of us. John Perhaps SS will lower the premium for waiting to collect, since it is ...
by rkhusky
Tue Aug 26, 2014 9:49 am
 
Forum: Investing - Theory, News & General
Topic: Catastrophe Brewing - Longevity
Replies: 12
Views: 2502

Re: Total world stock or diversification

Why is total world not diversified? It owns more then 6000 stocks (although the index it follows has more than 7000).

Is it at an advantage when companies like Burger King drop out of Total Stock Market and move to Total International? How often does that happen?
by rkhusky
Tue Aug 26, 2014 9:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Total world stock or diversification
Replies: 3
Views: 434

Re: How Does Vanguard Re-Balance VBIAX

I imagine they do it by buying/selling stocks/bonds as appropriate on a daily basis. However, they also have more resources than we do, so they can probably buy/sell shares to a certain extent amongst their various funds to reduces taxes and investment costs. I imagine they also have a sophisticated...
by rkhusky
Mon Aug 25, 2014 3:52 pm
 
Forum: Investing - Theory, News & General
Topic: How Does Vanguard Re-Balance VBIAX
Replies: 4
Views: 561

Re: Is it me, or are "collectibles" worthless in 2014?

Is Ebay still the best place to sell things? I have friends who sell stuff on Craigslist.
by rkhusky
Sun Aug 24, 2014 8:06 am
 
Forum: Personal Consumer Issues
Topic: Is it me, or are "collectibles" worthless in 2014?
Replies: 79
Views: 6142

Re: Capital Gain Tax on Muni Bond Funds

For the past year the low price is $15.82 and the high is $15.89. The fund share price does not vary much. If you happen to buy at the low and sell at the high, your cap gain is only 0.44%. Unless you actively manage your sales, on average your gains will likely be offset by losses and your overall ...
by rkhusky
Sat Aug 23, 2014 11:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Capital Gain Tax on Muni Bond Funds
Replies: 15
Views: 1148

Re: VTSMX in Roth IRA and Taxable Account

If you plan on tax-loss harvesting in your taxable account, watch out for wash sales (buying in Roth, selling in taxable, within 30 days of each other). And re-invested dividends count in the wash sale rules.
by rkhusky
Wed Aug 20, 2014 8:02 am
 
Forum: Investing - Help with Personal Investments
Topic: VTSMX in Roth IRA and Taxable Account
Replies: 11
Views: 957

Re: Incorporating new asset classes

c1 and c2 are probably time dependent. It is unlikely that e is normal. This is similar to Fama-French modeling (or factor analysis).
by rkhusky
Tue Aug 19, 2014 9:13 am
 
Forum: Investing - Theory, News & General
Topic: Incorporating new asset classes
Replies: 1
Views: 210

Re: VWALX - 15.5 maturity vs 6.2 duration. Real sensitivity

Vanguard recently changed how they report maturity, so that may be why it seems so high now compared to the past. They are reporting something called "stated maturity" whereas before it was "effective maturity", if I recall correctly. Morningstar reports the latter. Distribution ...
by rkhusky
Mon Aug 11, 2014 4:01 pm
 
Forum: Investing - Theory, News & General
Topic: VWALX - 15.5 maturity vs 6.2 duration. Real sensitivity?
Replies: 3
Views: 463

Re: Where to buy little plastic bottles?

dratkinson wrote:Recall suggestion to put all bottles in a leak-proof baggy, as a second line of defense.

I do that now, but would prefer non-leak bottles.
by rkhusky
Mon Aug 11, 2014 3:58 pm
 
Forum: Personal Consumer Issues
Topic: Where to buy little plastic bottles?
Replies: 24
Views: 1655

Re: So where's that inflation many forecasted?

What happens to me is that I tend to pay selective attention to the things that increase. Things that do not increase don't get noticed because it's what you expect. Things that decrease tend to get attributed to one's own shrewd buying. Which is why you need a uniform statistical measure of inflat...
by rkhusky
Mon Aug 11, 2014 3:51 pm
 
Forum: Investing - Theory, News & General
Topic: So where's that inflation many forecasted?
Replies: 43
Views: 2679

Re: Reminder: Check your 401K contribution rates

I just use a fixed dollar amount.
by rkhusky
Mon Aug 11, 2014 2:18 pm
 
Forum: Investing - Theory, News & General
Topic: Reminder: Check your 401K contribution rates
Replies: 27
Views: 3717
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