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Chaos, complexity and entropy [for non-physicists]

Great article.....and an even more enlightening discussion by my colleagues.
Thanks to all
Shawcroft
by shawcroft
Tue Jan 27, 2015 11:02 pm
 
Forum: Investing - Theory, News & General
Topic: Chaos, complexity and entropy [for non-physicists]
Replies: 44
Views: 2395

Fidelity or Schwab Brokerage account

I must be missing something. I only know how my own company options worked so this may not be generally true, but are your options not already in a brokerage account of your company's choosing? Mine were, so I just exercised & sold them there and took out the proceeds. If your options are not i...
by shawcroft
Tue Jan 27, 2015 10:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity or Schwab Brokerage account
Replies: 29
Views: 2874

WHAT EXPERTS SAY ABOUT

HAPPY BIRTHDAY, TAYLOR!
It was a delight to have met and spoken with you in 2013 and I hope to have the opportunity again
Best regards,
Shawcroft
by shawcroft
Sun Jan 25, 2015 5:34 pm
 
Forum: Investing - Theory, News & General
Topic: What Experts Say [about various investing topics]
Replies: 49
Views: 2889

Re: Be careful: Turbo Tax and Foreign Tax Credit

Thanks for the alert, David.
Shawcroft
by shawcroft
Tue Jan 20, 2015 6:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Be careful: Turbo Tax and Foreign Tax Credit
Replies: 13
Views: 1549

Best online checking account

The plot thickens! I called Capitol One 360 and spoke with a "live representative". I asked if Capitol One 360 (CO-360) uses the Allpoint ATM network ( he said yes). I then asked if access to the 55,000 worldwide ATM's included in the Allpoint ATM network was available to CO-360 customers....
by shawcroft
Tue Jan 20, 2015 6:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best online checking account
Replies: 52
Views: 4894

Re: Switching from Vonage to Ooma Phone Service

Pardon this "stupid question" Ooma calls are free to Canada? Really? We have some relatives up North and we have been using phone cards to call them. I started with Ooma about 4 years ago and calls to Canada back then ( to my recollection) were not free. Have the service offerings changed?...
by shawcroft
Tue Jan 20, 2015 6:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switching from Vonage to Ooma Phone Service
Replies: 16
Views: 1023

"The ABCs of Common Sense Investing"

Taylor:
Boglehead wisdom distilled to poetry....simply stated: marvelous...!
Shawcroft
by shawcroft
Tue Jan 20, 2015 6:00 pm
 
Forum: Investing - Theory, News & General
Topic: "The ABCs of Common Sense Investing"
Replies: 11
Views: 1663

Free international ATM use?

I'll probably add either Ally or Capitol One as an online bank to stash our 6-12 months "emergency fund. We've been thinking about it for a few months Over the weekend, I noticed that Capitol One offers surcharge-free use of the ATM's in the Allpoint network. When I looked at the Allpoint netwo...
by shawcroft
Tue Jan 20, 2015 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Best online checking account
Replies: 52
Views: 4894

VFWAX, VTIAX AND TLH

I'm considering a TLH from VTIAX into VFWAX. While not massive, the tax loss would be useful. Has anyone done that recently?
Shawcroft
by shawcroft
Wed Jan 14, 2015 11:28 pm
 
Forum: Investing - Theory, News & General
Topic: VFWAX vs. VTIAX
Replies: 9
Views: 1570

REIT predictions for 2015

Because REITs are tax-inefficient , I'm guilty of "tilting" a bit towards REITS in my tax-deferred account. Since I also have the Total US Stock Market index fund in my holdings, I'e begun to wonder how much 'tilt" towards REITs I actually have. I think I read on the Forum that REITs ...
by shawcroft
Tue Jan 06, 2015 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: REIT predictions for 2015
Replies: 12
Views: 1382

Ally Bank, Amex Bank, or Capitol One online

I noticed this timely discussion thread. I am considering using one of these organizations for an online savings account, since they seem to offer the best rates currently available (0.75-0.87) I'm sure it is easy to open an account and deposit money. Is any one of these more difficult to withdraw m...
by shawcroft
Tue Jan 06, 2015 8:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Updated opinions about Ally Bank?
Replies: 74
Views: 10682

7 inch reel-to-reel tape [Transfer music to CDs]

You don't even need Audacity (which is available at no cost). You can do it with GarageBand. I'm afraid I keep forgetting the details as I don't do it very often, but you can do it with GarageBand. The main reason for preferring GarageBand would be that if you already know how to use GarageBand! Ah...
by shawcroft
Sat Dec 27, 2014 9:40 pm
 
Forum: Personal Consumer Issues
Topic: 7 inch reel-to-reel tape [Transfer music to CDs]
Replies: 9
Views: 853

Re: 7 inch reel-to-reel tape

prudent wrote:What kind of outputs are available on it?


Prudent: From what I see on the side of the tape player, they are two RCA style outputs..right and left.
Shawcroft
by shawcroft
Sat Dec 27, 2014 3:15 pm
 
Forum: Personal Consumer Issues
Topic: 7 inch reel-to-reel tape [Transfer music to CDs]
Replies: 9
Views: 853

7 inch reel-to-reel tape [Transfer music to CDs]

First, holiday greetings to all! I have about ten 7 inch reel to reel tapes of Christmas/ holiday music which I recorded back in the 1970's. I've played them for 2-3 days each year on an aging Sony tape player as background music during dinner and when opening presents. ( I like the Sony but I would...
by shawcroft
Sat Dec 27, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: 7 inch reel-to-reel tape [Transfer music to CDs]
Replies: 9
Views: 853

Re: Electric Stove question

shawcroft, you've likely solved your problem by now; but for future reference and use, the website AppliancePartsPro http://www.appliancepartspros.com/ is a terrific resource for troubleshooting, repair videos, and ordering the parts required. I have used them numerous times with considerable succe...
by shawcroft
Fri Dec 26, 2014 2:39 pm
 
Forum: Personal Consumer Issues
Topic: Electric Stove question
Replies: 15
Views: 1884

Electric Stove question

I'm going with the temp sensor. Hard to believe an oven will get to 370 in 2 mins. If you / availible friendlies are DIY types, I've had good luck with sears parts direct for appliance parts. The comments from my Boglehead colleagues led me to believe it is likely the temperature sensor. I got a re...
by shawcroft
Wed Dec 24, 2014 9:28 pm
 
Forum: Personal Consumer Issues
Topic: Electric Stove question
Replies: 15
Views: 1884

Electric Stove question

We have a GE electric range, about 20 years old. Its been working fine since it was installed back in 1995. The only thing which I replaced was lower bake element and I did that about 2 years ago. We've been baking stuff (cookies, brownies, cake) for the holidays over the past 2 days and noticed thi...
by shawcroft
Tue Dec 23, 2014 6:18 pm
 
Forum: Personal Consumer Issues
Topic: Electric Stove question
Replies: 15
Views: 1884

The Wealthfront Direct Indexing Platform

Yes, and great steps for new young investors, which is part of the Wealthfront / Betterment schtick. I feel like Vanguard is missing a great opportunity by learning how both of those companies have engaged that market. Making vanguard.com less intimidating taking some cues from wealthfront and bett...
by shawcroft
Sun Dec 14, 2014 10:46 pm
 
Forum: Investing - Theory, News & General
Topic: Wealthfront Direct Indexing Platform
Replies: 32
Views: 4398

U.S. stocks in freefall

At the risk of having bricks thrown at me for engaging in some "market timing", might this be a good day to consider rebalancing...if your asset allocation is in need of it?
Shawcroft
by shawcroft
Tue Dec 09, 2014 12:42 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1195
Views: 221429

Re: Net Unrealized Appreciation on stock in a 401K?

Uncle Pennybags: You may have lost the NUA option for the shares in the second account.....are the company shares in the second account clearly identified by date of acquisition or some other clear "demarcation" or have they been "co-mingled"? If they have been co-mingled, I don'...
by shawcroft
Sat Dec 06, 2014 11:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Net Unrealized Appreciation on stock in a 401K?
Replies: 12
Views: 1028

Re: Net Unrealized Appreciation on stock in a 401K?

the other I transferred some funds in and out and my cost is 80% of market value. I think the one fund you have not touched- and have not taken any distributions from- is probably still "pristine" for NUA treatment. As for the other, I'm not certain what you did with the company stock in ...
by shawcroft
Sat Dec 06, 2014 10:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Net Unrealized Appreciation on stock in a 401K?
Replies: 12
Views: 1028

Thank you, Taylor...

I too have benefited from Taylor's 'gentle' guidance, and I was also very fortunate to meet and talk with him at BH13. My wife, our younger son, and I were also privileged to meet and speak with Taylor at BH13. It was one of the highlights of the meeting. He- and Jack Bogle- are wise and gracious g...
by shawcroft
Sat Dec 06, 2014 10:48 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Thank you, Taylor...
Replies: 15
Views: 2373

Re: Most Hated Brokerage Firm? [or one that you love]

To my colleagues:

"Hated " is pretty strong word and I wouldn't use it to describe my feelings toward Merrill Lynch....

I prefer the words: "Violently Detest" :twisted:

Shawcroft
by shawcroft
Thu Dec 04, 2014 11:06 pm
 
Forum: Investing - Theory, News & General
Topic: Most Hated Brokerage Firm? [or one that you love]
Replies: 95
Views: 11229

The RMD question

To my colleagues: A full day of searching the internet and lots of interesting things found: First, the new IRS pre-tax/after-tax guidelines outlined in Notice 2014-54. Could be very helpful to folks having post-tax funds in their 401(k)'s Second, a private letter ruling discovered on FindLaw (PLR 9...
by shawcroft
Wed Dec 03, 2014 5:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: An RMD question
Replies: 3
Views: 745

Re: Fidelity or Schwab Brokerage account

Zecht: Yes, it has to one of four (Fidelity, Schwab, UBS, or Merrill Lynch) because the company I used to work for has those 4 organizations - and only those 4- handle its option exercise program. I'm quite happy with Vanguard but cannot use them for this program. So, if I am "stuck" openi...
by shawcroft
Wed Dec 03, 2014 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity or Schwab Brokerage account
Replies: 29
Views: 2874

New IRS notice

Mike: Thanks for the suggestion. I'll look at Ed Slott's place. I did find something else which is sort of related. I haven't seen it posted on the Forum and it was issued by the IRS on 9/18/2014 as Notice 2014-54. In it, the IRS has clarified its rules regarding 401(k) rollovers with pre-tax and af...
by shawcroft
Wed Dec 03, 2014 11:43 am
 
Forum: Personal Finance (Not Investing)
Topic: An RMD question
Replies: 3
Views: 745

An RMD question

To my colleagues: I am partly repeating- and I hope clarifying- a situation involving the termination of a 401(k) held by Vanguard which I described this past October. Some background: I met with my tax accountant recently to make sure my estimated fourth quarter tax payment is enough to avoid any u...
by shawcroft
Tue Dec 02, 2014 10:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: An RMD question
Replies: 3
Views: 745

Fidelity or Schwab Brokerage account

Livesoft: Thanks for describing your experience with Fidelity. The Fidelity "bricks and mortar" office is about 1000 feet closer to me than the Schwab office. I could walk to either one. I hadn't thought about the Fideilty Amex card you mentioned.....that seems to be one of the better deal...
by shawcroft
Mon Dec 01, 2014 7:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity or Schwab Brokerage account
Replies: 29
Views: 2874

Fidelity or Schwab Brokerage account

It comes to pass that I have to open a brokerage account to exercise some options which were given me back in 2006- and will expire in early 2016. I knew about them but was delaying any action until it got closer to the expiration date and I really hand't paid any attention to the details involving ...
by shawcroft
Mon Dec 01, 2014 7:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity or Schwab Brokerage account
Replies: 29
Views: 2874

The delayed RMD question.

Tomd37:
Thanks for your reply. I will breath somewhat easier now. I've read about the draconian penalty (50%) applied to folks who take insufficient RMD amounts from their IRA's and wanted to ensure I didn't get into that situation.
Shawcroft
by shawcroft
Fri Nov 21, 2014 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD taxes
Replies: 17
Views: 1737

Retirees' Regrets

Not a regret as much as advice: If you want to travel and see things/do things on your bucket list, make plans to do so and get on the road!
Shawcroft
by shawcroft
Fri Nov 21, 2014 11:01 am
 
Forum: Personal Consumer Issues
Topic: Retirees' Regrets
Replies: 23
Views: 3128

Delayed RMD

I found this thread and thought it might answer some of my question- which is below Some background: I turned 70 1/2 this past August but have delayed talking my RMD from my "traditional" IRA (established 20+ years ago, contributions made for about 10 years, and now held at Vanguard) since...
by shawcroft
Fri Nov 21, 2014 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: RMD taxes
Replies: 17
Views: 1737

Re: AT&T Mobile Users: Check your plans

This conversation is timely for us. My wife's Verizon flip phone ( yes, flip phone) appear to be heading off into the electronic sunset......I checked the T-Mobile coverage for our area in the Northeast and it ranges from "good" to "Excellent". I am seriously considering switchin...
by shawcroft
Tue Nov 04, 2014 12:30 am
 
Forum: Personal Consumer Issues
Topic: AT&T Mobile Users: Check your plans
Replies: 63
Views: 9012

Re: Home temperature alarm

cvaneuro:
The Nest would probably be a great solution...but I believe it requires internet access which this place does not have ( and knowing my in-laws, will probably never have)
Shawcroft
by shawcroft
Sun Nov 02, 2014 2:05 pm
 
Forum: Personal Consumer Issues
Topic: Home temperature alarm
Replies: 8
Views: 812

The home temperature alarm

Thanks to all for the suggestions. The house doesn't have either internet service or long distance service ( the owners use cellphones) so a simpler device would probably be preferred. Some years ago, a friend had a summer cabin up in Vermont and had a temperature monitor on his phone line which wou...
by shawcroft
Sun Nov 02, 2014 12:43 pm
 
Forum: Personal Consumer Issues
Topic: Home temperature alarm
Replies: 8
Views: 812

Home temperature alarm

To my colleagues: Has anyone had a good (or bad) experience with a remote device(s) which can measure the temperature at an unoccupied second home, such as a vacation house or "snowbird" home? I've looked around the internet and find several products which seem to fit what I need but haven...
by shawcroft
Sun Nov 02, 2014 11:29 am
 
Forum: Personal Consumer Issues
Topic: Home temperature alarm
Replies: 8
Views: 812

The "somewhat involved" RMD question

MN Finance wrote:Correct. Your 401 is all set. Your IRA is not satisfied. You can choose to push it to next year plus the total 2015 RMD for both the old 401 and original IRA.


MNFinance:
Thanks for your patience with my "convoluted " questions. I believe I "get it" now.
Shawcroft
by shawcroft
Thu Oct 02, 2014 9:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: A "somewhat involved" RMD question
Replies: 10
Views: 842

The "somewhat involved" RMD question

Yes, you can delay the IRA RMD to next year, which may make sense in this case if the NAU distribution was fairly large, but that means next year will have both 2014 and 2015 RMDs in one year. MN Finance: Thanks....so, for this one "transition" year when I attain age 70 1/2, it doesn't ma...
by shawcroft
Thu Oct 02, 2014 8:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: A "somewhat involved" RMD question
Replies: 10
Views: 842

Re: A "somewhat involved" RMD question

When exactly do/did you turn 70 1/2? Christine: Ah, you come directly to the point.....Alas, I hit 70 in February..........so I became 70 1/2 in August..... Having terminated the 401k and captured some unappreciated company shares to use for NUA- which I must pay taxes on in April 2105, I believe I...
by shawcroft
Thu Oct 02, 2014 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: A "somewhat involved" RMD question
Replies: 10
Views: 842

The "somewhat involved" RMD question

MNFinance: OK, I get it.....sort of what I thought. For this year, the RMD for RIRA-1 must come from RIRA-1 assets. By terminating the second 401k this year and taking the unappreciated value of NUA shares which exceeds the RMD obligation, I have satisfied the IRS requirements.....but just for this ...
by shawcroft
Thu Oct 02, 2014 2:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: A "somewhat involved" RMD question
Replies: 10
Views: 842

Re: Cramer's sane moment on Gross' exit

.......How many stocks does it take to be truly diversified? I have found that it takes a minimum of five to capture true diversification and protection from the undesirable elements…. [ten would be terrific but] ..... Five "stocks" to capture true diversification .....and ten would be te...
by shawcroft
Thu Oct 02, 2014 2:10 pm
 
Forum: Investing - Theory, News & General
Topic: Cramer's sane moment on Gross' exit
Replies: 24
Views: 3457

A "somewhat involved" RMD question

To my colleagues: I have what I hope will be another interesting situation…and perhaps not uncommon. Some background: I have just attained the age (70) when mandatory distributions must be taken from IRA’s and 401k’s. I have a Rollover IRA at Vanguard, established in 2007, from the residual of the 4...
by shawcroft
Thu Oct 02, 2014 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: A "somewhat involved" RMD question
Replies: 10
Views: 842

An example of "set it and forget it"

Jimbeam22:
Once you set the course, your experience is a nice example of staying the course....sort of like being on autopilot.
Shawcroft
by shawcroft
Thu Oct 02, 2014 7:14 am
 
Forum: Investing - Theory, News & General
Topic: An example of "set it and forget it"
Replies: 2
Views: 512

EmergDoc has Surpassed 10,000 posts!

Jim:
Delighted to recognize your achievement... :sharebeer .always a pleasure to read your posts..
Shawcroft
by shawcroft
Tue Sep 30, 2014 10:40 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: EmergDoc has Surpassed 10,000 posts!
Replies: 32
Views: 3458

HAPPY BIRTHDAY, VANGUARD

I think that as the founder, Jack knows when he started Vanguard. He says September 24, 1974 was the start date, and, since he was there, that's good enough for me. Mel: I agree 100%. September 24th it is! :sharebeer I am delighted to wish Vanguard a Happy 40th Birthday and fully expect they will c...
by shawcroft
Thu Sep 25, 2014 8:46 am
 
Forum: Investing - Theory, News & General
Topic: HAPPY [40th] BIRTHDAY, VANGUARD
Replies: 16
Views: 1631

Recommended World War I book(s)

To all my colleagues: My thanks for the excellent suggestions so many of you have provided. Ever the Boglehead, I have already borrowed two of the recommended books from our town library. I have at least 6 more I will peruse over the next several weeks (unless "honey-do" projects" imp...
by shawcroft
Sat Sep 13, 2014 9:41 pm
 
Forum: Personal Consumer Issues
Topic: Recommended World War I book
Replies: 37
Views: 2230

Indeed!- Great deal for new Costco members

I have been inhabiting a similar structure during occasional periods of "marital non-bliss". Nice to see they can now be assembled so quickly...
Shawcroft
by shawcroft
Thu Sep 11, 2014 10:27 pm
 
Forum: Personal Consumer Issues
Topic: Great deal for new Costco members
Replies: 18
Views: 3067

Recommended World War I book

This summer marks the anniversary of the start of the First World War. I've read several recent articles which have commented on the aftermath of the War and its ongoing impact into this century, particularly the end of the Ottoman Empire and the establishment of new nations in the Middle East. Have...
by shawcroft
Thu Sep 11, 2014 10:23 pm
 
Forum: Personal Consumer Issues
Topic: Recommended World War I book
Replies: 37
Views: 2230

Re: Kitchen "Backsplash" question

1) Clean the area with a mild degreaser (e.g., dish soap). 2) Lightly sand the surface. 3) Use a coat of Kilz (or similar product) and have it tinted to be closer to the finish color. Or ... Tile the area. Bison and others: Thanks for the suggestions. My bride votes for a tile design of some sort a...
by shawcroft
Wed Sep 03, 2014 5:03 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen "Backsplash" question
Replies: 14
Views: 2012

Kitchen "Backsplash" question

Despite our best efforts to cook neatly, the sheetrock wall behind our electric stove is getting slightly stained with "splatters" from things like grease from frying. I am considering re-painting the area but am concerned that the splatters would bleed thought the paint. Should I use BIN ...
by shawcroft
Wed Sep 03, 2014 10:36 am
 
Forum: Personal Consumer Issues
Topic: Kitchen "Backsplash" question
Replies: 14
Views: 2012
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