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Re: Rollover to TSP

I rolled over from Vanguard to the TSP last year. I had the check sent directly to the TSP. The TSP form instructions explains how to do that. But maybe some mutual fund companies will not do it, not sure. I did not report anything on my IRS form about the matter. But maybe I did that wrong, have no...
by tadamsmar
Mon Apr 21, 2014 4:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rollover to TSP
Replies: 11
Views: 727

Re: 529's not recommended

This Forbes article contains a formula to figure out if the MS plan is better than the NY plan. http://www.forbes.com/sites/baldwin/2013/10/29/formula-which-529-plan-is-best/ The NY plan has the lowest fees of all states, but you have to use the formula to estimate if the lower fees trump the MS tax...
by tadamsmar
Mon Apr 21, 2014 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: 529's not recommended
Replies: 24
Views: 2711

Re: Beneficiaries in will but not designated on accounts

I think the way it works is that your Vanguard accounts are just not part of the estate if you have named beneficiaries other than the estate. Your will only applies to your estate.
by tadamsmar
Fri Apr 18, 2014 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Beneficiaries in will but not designated on accounts
Replies: 3
Views: 479

Re: Using Valuations for Asset Allocation

Seems that ordinary rebalancing already has the effect of using valuations for AA even if you have a TSM-style allocation. You will tend to sell at high valuations and buy at low valuations.
by tadamsmar
Fri Apr 18, 2014 10:03 am
 
Forum: Investing - Theory, News & General
Topic: Using Valuations for Asset Allocation
Replies: 12
Views: 519

Re: heartbleed - widespread internet security problem

Suppose you have only mutual fund IRAs and taxable accounts. Suppose your login credentials were stolen including your security answers (which they would probably need). Could a hacker go in and quickly set up a stock trading account and use hack, pump, and dump? Since this does not involve setting ...
by tadamsmar
Thu Apr 17, 2014 1:38 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16468

Re: heartbleed - widespread internet security problem

If anyone tried to draw money from a mutual fund account, you'd get a confirmation of them linking a bank account to your mutual fund account before they could transfer the funds. At least I think it works that way at Vanguard. And you get a confirmation at your old address if someone tries to chan...
by tadamsmar
Thu Apr 17, 2014 10:02 am
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16468

Re: heartbleed - widespread internet security problem

The only thing I can find at Vanguard is Review statements and confirmations as you receive them and notify Vanguard immediately of any discrepancies. There is also this: At a minimum, in order for this [fraud reimbursement] protection to apply, you must take the following steps: Review your accoun...
by tadamsmar
Wed Apr 16, 2014 3:50 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16468

Re: heartbleed - widespread internet security problem

So it appears if you can set up for annual statements once a year would be frequent. You can certainly set up an account for quarterly statements so four times a year is enough in that situation. I don't believe you are required to set up web access, nor to log on to the web site unless you have op...
by tadamsmar
Wed Apr 16, 2014 12:20 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16468

Re: Looking for Low-Cost Eyeglass Shop I can visit

It only cost $6 to return an online order:

http://www.eyebuydirect.com/shipping-and-returns.html

Given the low prices, I think you might find buying online worth it overall.

Also, I use to get good prices as a large weekly flea market, you might look for an eyeglass vendor at one of those near you.
by tadamsmar
Wed Apr 16, 2014 10:59 am
 
Forum: Personal Consumer Issues
Topic: Looking for Low-Cost Eyeglass Shop I can visit
Replies: 25
Views: 1486

Re: heartbleed - widespread internet security problem

Jim,

There is financial risk for credit card and personal bank accounts if you fail to monitor and report the fraud in a timely manner. It's not automatic. That's why Browser's idea of logging in rarely could be a problem unless you have other monitoring options in place.

Tom
by tadamsmar
Wed Apr 16, 2014 9:43 am
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16468

Re: heartbleed - widespread internet security problem

The impact on me is that I intend to logon to financial websites as infrequently as possible and assume that I'm risking my future every time that I do. I am not sure that is the right response. You have a responsibility to review your accounts frequently. If you fail to live up to this responsibil...
by tadamsmar
Wed Apr 16, 2014 8:35 am
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16468

Re: Stocks: How Bad It Can Get

DualIncomeNoDebt wrote:These must be the "Plan B" graphs.


The B stands for "Barn that the house has just left"

If your current plan does not cover Plan B, change your plan.
by tadamsmar
Tue Apr 15, 2014 7:07 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: How Bad It Can Get
Replies: 72
Views: 5368

Re: SCV premium is a history/math story, its not scientific

Bottom line you can ignore the data or not. In either case your taking risks that the premiums will not show up. Take your pick, but ignoring the premiums means you must take more equity risk to achieve the same expected return, and that means more tail risk. The interesting thing is that risk aver...
by tadamsmar
Tue Apr 15, 2014 1:42 pm
 
Forum: Investing - Theory, News & General
Topic: SCV premium is a history/math story, its not scientific
Replies: 46
Views: 2255

Re: What exactly is a risk premium?

100% in the total market is typically considered the maximum risk appropriate even for a young investor. And it has very low turnover, so the transaction fees are typically lower than sector funds. If you think you need more risk than, say, a total world market fund, then you would have to buy a ris...
by tadamsmar
Mon Apr 14, 2014 9:13 am
 
Forum: Investing - Theory, News & General
Topic: What exactly is a risk premium?
Replies: 14
Views: 981

Re: How can "value beats growth" be a rule?

Good morning, I'm reading "The Four Pillars of Investing". Bernstein talks about the long-term risk difference in value stocks compared to growth stocks and I get the idea in theory - value stocks are "dogs" with higher risk but higher upside potential, while growth stocks are &...
by tadamsmar
Sun Apr 13, 2014 10:13 pm
 
Forum: Investing - Theory, News & General
Topic: How can "value beats growth" be a rule?
Replies: 21
Views: 1354

Re: Best car comparison website

For safety, http://www.informedforlife.org

All the other sites that I know of (NHTSA, safecar.gov, iihs, Consumer Reports) provide ratings that are not to be used to compare cars that differ in weight more that 250 pounds (and they say this somewhere in the small print).
by tadamsmar
Sun Apr 13, 2014 10:06 pm
 
Forum: Personal Consumer Issues
Topic: Best car comparison website
Replies: 4
Views: 558

Re: squirrel question

Thanks to all for the input. Have also posed question to local game warden (haven't heard back yet) but don't expect his response to be nearly as helpful. . . . I was just about to mention that it's might be illegal to relocate squirrels. And, this site argues that it's not as humane and you might ...
by tadamsmar
Sun Apr 13, 2014 1:34 pm
 
Forum: Personal Consumer Issues
Topic: squirrel question
Replies: 13
Views: 1150

Re: less you need social security, earlier you should claim

Perhaps you need to throw in a factor for the probability that long term cap gains taxes will go up. That could tip the balance back toward delaying SS if taxable savings come into play for covering the near-term gap (due to delaying) or the long-term gap (due to a smaller SS check because you did n...
by tadamsmar
Sun Apr 13, 2014 1:23 pm
 
Forum: Investing - Theory, News & General
Topic: less you need social security, earlier you should claim
Replies: 39
Views: 2799

Re: less you need social security, earlier you should claim

By the same logic, one should get one's posts in on this thread ASAP, in case one never gets to do so :wink:
by tadamsmar
Sun Apr 13, 2014 1:15 pm
 
Forum: Investing - Theory, News & General
Topic: less you need social security, earlier you should claim
Replies: 39
Views: 2799

Re: If not dollar cost averaging...then what?

I've since ran across postings here casting doubt on the conventional wisdom of DCA - that it doesn't boost returns in any meaningful way. My question is: what's the alternative - because that always seems left out of these discussions. So DCA isn't the best - but what's better? Lump summing at the...
by tadamsmar
Sun Apr 13, 2014 12:19 pm
 
Forum: Investing - Theory, News & General
Topic: If not dollar cost averaging...then what?
Replies: 15
Views: 788

Re: Thrift Savings Plan -- the G Fund

The TSP L Funds make put a relatively large fraction of fixed income into G vs F. I follow the lead of the L funds.
by tadamsmar
Sat Apr 12, 2014 12:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Thrift Savings Plan -- the G Fund
Replies: 6
Views: 689

Re: heartbleed - widespread internet security problem

Fidelity has made a strong statement: Update: A spokesman from Fidelity said that the firm is aware of the Heartbleed security flaw, and their research has shown that “Fidelity’s customer sites and services do not rely on the versions of the SSL technologies associated with this security issue and r...
by tadamsmar
Fri Apr 11, 2014 3:12 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16468

Re: heartbleed - widespread internet security problem

Note that Vanguard's current statement on heartbleed contains an error. OpenSSL is not a standard, it's a computer program.
by tadamsmar
Fri Apr 11, 2014 2:59 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16468

Re: heartbleed - widespread internet security problem

from Vanguard: Heartbleed was discovered in OpenSSL, the data encryption standard used by a majority of websites around the world—including vanguard.com—to transmit information securely. It lets attackers steal confidential data without being noticed, including passwords, bank account information, ...
by tadamsmar
Thu Apr 10, 2014 4:17 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16468

Re: heartbleed - widespread internet security problem

Yahoo updated their certificate. Did not find any other update that happened this week.
by tadamsmar
Thu Apr 10, 2014 4:11 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16468

Re: heartbleed - widespread internet security problem

from Vanguard: Heartbleed was discovered in OpenSSL, the data encryption standard used by a majority of websites around the world—including vanguard.com—to transmit information securely. It lets attackers steal confidential data without being noticed, including passwords, bank account information, ...
by tadamsmar
Thu Apr 10, 2014 12:02 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16468

Re: Wait for better tenant application or approve the one I

Why do you want to do a 2 year lease? Is that standard practice in your area/region? I think 1 year would be standard and then it goes month to month after that. I have had multiple leases with tenants but never asked them to sign up for 2 years. You should check your state regulations: "In a ...
by tadamsmar
Thu Apr 10, 2014 8:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Wait for better tenant application or approve the one I have
Replies: 27
Views: 1579

Re: Windows XP users

Vanguard has removed XP from it's list of operating systems on which the Vanguard site "works best" or "is optimized for":

https://personal.vanguard.com/us/help/F ... ontent.jsp

It was there a few days ago.
by tadamsmar
Tue Apr 08, 2014 2:58 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP users
Replies: 205
Views: 13379

Re: Help me buy a used car, please.

Here are a couple of sites to help you find a used car with most of the increase safety provided by features on new cars:

http://epicurusgarden.blogspot.com/2011 ... h-esc.html

www.informedforlife.org
by tadamsmar
Tue Apr 08, 2014 9:30 am
 
Forum: Personal Consumer Issues
Topic: Help me find the right used car.
Replies: 23
Views: 1972

Re: Vanguard: It's time to upgrade Windows XP

If you take some basic precautions, such as not routinely using an administrator account, using chrome as a browser and not installing unknown software (don't click on email links), XP should be fine. If you won't take these and a few other steps, you should upgrade to a better operating system. Si...
by tadamsmar
Fri Apr 04, 2014 3:38 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard: It's time to upgrade Windows XP
Replies: 6
Views: 995

Re: Windows XP users

Since Windows updates normally come out on Tuesdays, any final updates could be posted on April 8. Even though that is the end of support, I believe all updates will still be available for download after that date. April 8th will be the last XP Patch Tuesday: http://www.zdnet.com/final-windows-xp-o...
by tadamsmar
Fri Apr 04, 2014 2:40 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP users
Replies: 205
Views: 13379

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

I think this explains it: http://www.nytimes.com/2014/04/06/magazine/flash-boys-michael-lewis.html It looks like a longer version of Larry's explanation. When a order is made, if the order is broken up into parts then the first part of the order executed becomes inside information that front runs t...
by tadamsmar
Fri Apr 04, 2014 11:41 am
 
Forum: Investing - Theory, News & General
Topic: Help me understand Michael Lewis' "Flash Boys"
Replies: 164
Views: 8706

Re: When does depreciating a rental property save on taxes?

Yes, II suppose I didn't explain it well. I was surprised that I could claim so much as a depreciation allowance. Since i file using TurboTax, I am not sure what the formula is for calculating this. I suppose I could just as easily find that out by checking on the IRS webpage. How depreciation is c...
by tadamsmar
Fri Apr 04, 2014 10:35 am
 
Forum: Personal Finance (Not Investing)
Topic: When does depreciating a rental property save on taxes?
Replies: 70
Views: 4283

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

I think this explains it: http://www.nytimes.com/2014/04/06/magazine/flash-boys-michael-lewis.html It looks like a longer version of Larry's explanation. When a order is made, if the order is broken up into parts then the first part of the order executed becomes inside information that front runs th...
by tadamsmar
Fri Apr 04, 2014 9:47 am
 
Forum: Investing - Theory, News & General
Topic: Help me understand Michael Lewis' "Flash Boys"
Replies: 164
Views: 8706

Vanguard: It's time to upgrade Windows XP

"If you're still using Windows XP on your home or business computer, you'll need to take action to upgrade your operating system or risk compromising your online security."

https://personal.vanguard.com/us/insigh ... ade-032014
by tadamsmar
Thu Apr 03, 2014 11:14 am
 
Forum: Personal Consumer Issues
Topic: Vanguard: It's time to upgrade Windows XP
Replies: 6
Views: 995

Re: Written IPS strategy for next crash - Advice?

I read a previous post regarding "overbalancing" and thought it sounds rationale (although not completely "boglehead-ish". If stocks never come back, you gambled and lost. Compared to my income, my net worth is not impressive (but working on it). Plenty of contributors feel 100%...
by tadamsmar
Tue Apr 01, 2014 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Written IPS strategy for next crash - Advice?
Replies: 15
Views: 1346

Re: New Friends are the Anti-Bogleheads, what to do?

What to do?

Thank Creation for them, without some anti-Bogleheads there would be no liquidity and therefore no markets.

Whatever you do, don't convert too many of them. We need them.
by tadamsmar
Sun Mar 30, 2014 11:34 am
 
Forum: Personal Finance (Not Investing)
Topic: New Friends are the Anti-Bogleheads, what to do?
Replies: 93
Views: 8428

Re: Do you have hardwood or tile in your kitchen?

Debating to redo our first level and my wife is set on having hardwoods in our kitchen. I'm worried about spills and water. I know it looks beautiful, but wondering how practical it is to have hardwoods in the kitchen. Curious what my fellow bogleheads have? Based on a small sample, most kitchens w...
by tadamsmar
Sat Mar 29, 2014 1:18 pm
 
Forum: Personal Consumer Issues
Topic: Do you have hardwood or tile in your kitchen?
Replies: 57
Views: 3120

Re: Really confused by Bernstein

Why are you confused? In the OP quote, Bernstein said a factor of 20. That's a 5% withdrawal rate during retirement. I have rarely if ever seen anyone try to claim that 5% withdrawal rate is sufficiently safe. There is a limit to how much you can expect from stock/bond AA. What do you think the limi...
by tadamsmar
Tue Mar 25, 2014 7:18 am
 
Forum: Investing - Theory, News & General
Topic: Really confused by Bernstein
Replies: 168
Views: 12894

Re: Does This Person Need Umbrella Ins Coverage?

Yes, umbrella coverage is relatively inexpensive. But wise individuals still need to do prudent planning to protect their assets in the event of a financial catastrophe. My umbrella insurance company RLI helps me with planning. I identified a risk (a canoe I owned) just filling out the application....
by tadamsmar
Sun Mar 23, 2014 8:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Does This Person Need Umbrella Ins Coverage?
Replies: 64
Views: 4414

Re: Rule of thumb for replacing a used car?

Another consideration is do you have kids, and will you have new teenage drivers. You should also consider the option of trading for a safer used car. Here are a couple of sites that can help with that: http://www.informedforlife.org http://epicurusgarden.blogspot.com/2011/09/how-to-buy-used-car-wit...
by tadamsmar
Sat Mar 22, 2014 9:56 am
 
Forum: Personal Consumer Issues
Topic: Rule of thumb for replacing a used car?
Replies: 27
Views: 1784

Re: Max TSP or Diversify Elsewhere?

I think the L funds are fine. The math is too fuzzy to think otherwise. The L funds are based on expert analysis, some other expert might disagree but there is no point in getting into a guessing game about which expert will end up being right.
by tadamsmar
Sat Mar 22, 2014 7:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Max TSP or Diversify Elsewhere?
Replies: 15
Views: 1392

Re: Rule of thumb for replacing a used car?

If you put a value on the lives of your loved ones that is consistent with some of the larger jury awards, then cost-benefit analysis would lead you to replace a used car that did not have electronic stability control (ESC) as a feature because a car without it has a 50% higher fatality rate. And th...
by tadamsmar
Sat Mar 22, 2014 6:34 am
 
Forum: Personal Consumer Issues
Topic: Rule of thumb for replacing a used car?
Replies: 27
Views: 1784

Re: Buy a used car or pay $5,000 more to get a new one?

Also check to see if the three year old Civic has ESC, that is a good feature to have that become pretty standard a few years ago. A good point. The 2011 Civic LX I'm looking at is indeed missing that safety feature. It was only available at a higher trim level at the time. Another plus for a new S...
by tadamsmar
Fri Mar 21, 2014 4:44 am
 
Forum: Personal Consumer Issues
Topic: Buy a used car or pay $5,000 more to get a new one?
Replies: 62
Views: 4235

Re: How did you decide how much to save?

I used financialengines.com and other projection methods to figure out if my savings rate was sufficient. Used multiple methods to double-check the results.

In our case (my wife and I), the question was more: "Is maxing out our 401K's and Roths sufficient?"
by tadamsmar
Fri Mar 21, 2014 4:28 am
 
Forum: Investing - Theory, News & General
Topic: How did you decide how much to save?
Replies: 119
Views: 9181

Re: Replacement for Windows XP Computer

To be honest, I'd probably be fine no matter what operating system I use. I'm pretty adaptable. My work computer has Windows 7, and though it's obviously different than Windows XP -- I pretty seamlessly move from one to the other. I'm not one of those who needs to have everything laid out a certain...
by tadamsmar
Thu Mar 20, 2014 10:43 am
 
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 4173

Re: Was frugality a mistake? The downsides of saving too mu

I think an argument can be made that some Bogleheads are too frugal about cars. Safety has improved. Old cars without ESC have a 50% higher fatality rate. With some care, you can get a relatively inexpensive car with ESC: http://epicurusgarden.blogspot.com/2011/09/how-to-buy-used-car-with-esc.html
by tadamsmar
Sun Mar 16, 2014 7:31 am
 
Forum: Personal Consumer Issues
Topic: Was frugality a mistake? The downsides of saving too much.
Replies: 115
Views: 8814

Re: best tips for passwords?

You apparently missed the entire discussion about how the "correcthorsebatterystaple" technique has been attacked. Try re-reading the thread. Can you please be specific with which post you are talking about. I went back through the whole thread; I saw nothing that refuted my claim that a ...
by tadamsmar
Thu Mar 06, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8507

Re: best tips for passwords?

4) Yes, it is best practice that every password be different for each website. In fact, if the site allows, I randomly generate the username so it's different for each site, hence why my Boglehead's username is all gibberish. Dear pa7VQbb1kTkj1eLn3spK, I don't think your Boglehead username is all t...
by tadamsmar
Thu Mar 06, 2014 12:46 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8507

Re: Umbrella Insurance Noob

OK, just looked over my quote from RLI. Looks like there's a $300 Uninsured/Underinsured Motorists Coverage option included in the $766/yr $2M umbrella policy. Question I have for the group - is that necessary if we already have $250,000 EACH PERSON - $500,000 EACH ACCIDENT for Uninsured Motorist a...
by tadamsmar
Wed Mar 05, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance Noob
Replies: 16
Views: 1225
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