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by whaleknives
Sun May 24, 2015 12:15 am
Forum: Personal Consumer Issues
Topic: Any solo retired RVer's out there?
Replies: 4
Views: 829

Re: Any solo retired RVer's out there?

Maybe not the retirement you're thinking of, but: Interstellar Orchard. "This site is about RVing. Full-time travel in a small RV, solo, and on a budget to be more precise. . ."
by whaleknives
Wed May 20, 2015 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Question
Replies: 12
Views: 1245

Re: Social Security Question

You can. See "Suspending Retirement Benefit Payments".

See also the warnings regarding Medicare Part B premiums and Supplemental Security Income (SSI) benefits.
by whaleknives
Wed May 13, 2015 6:52 pm
Forum: Personal Consumer Issues
Topic: PDF file locking up computer
Replies: 20
Views: 1286

Re: PDF file locking up computer

You can try Adobe's new "Document Cloud" version, new and improved for use "across all your devices" (sound familiar?). The Acrobat Reader DC is still free.
by whaleknives
Tue May 12, 2015 2:19 pm
Forum: Personal Consumer Issues
Topic: Quicken 2012 no longer updating - anyone else?
Replies: 15
Views: 620

Re: Quicken 2012 no longer updating - anyone else?

mptfan wrote:This issue is one of the reasons I keep track of my money using my own custom made spreadsheets, I don't have to worry about Google sheets "sunsetting."

Perhaps. Do you remember the now discontinued Google Health?
by whaleknives
Tue May 12, 2015 2:13 pm
Forum: Personal Consumer Issues
Topic: Quicken 2012 no longer updating - anyone else?
Replies: 15
Views: 620

Re: Quicken 2012 no longer updating - anyone else?

Quicken Discontinuation Policy Updated: 4/22/2015 | Article ID: GEN82218 "Quicken products contain online services which include: downloading your transactions and balances from your bank; downloading stock quotes and news headlines; updating portfolio information; online bill pay; and live su...
by whaleknives
Sun May 10, 2015 6:07 am
Forum: Personal Consumer Issues
Topic: Do banks take loose coinage?
Replies: 55
Views: 3469

Re: Do banks take loose coinage?

. . . my credit union still does. The difference is they've moved the counting machine out of the teller area into the customer area. We load the coins in ourselves, and it prints a receipt. We then take the receipt to the teller to make the deposit. One more move toward increasing employee product...
by whaleknives
Thu May 07, 2015 5:14 pm
Forum: Personal Consumer Issues
Topic: video camera?
Replies: 14
Views: 833

Re: video camera?

Do you have a smart phone with a camera? Do you want a smart phone? You could feed two birds with one scone.
by whaleknives
Wed May 06, 2015 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Decisions - still working
Replies: 6
Views: 531

Re: Medicare Decisions - still working

The rules you mention do not require employer coverage, but rather specify the first ("primary") payer if you do have coverage other than Medicare: Q: I work for a small employer. Do I need Medicare? A: If you work for a small employer with fewer than 20 employees (fewer than 100 employees...
by whaleknives
Wed May 06, 2015 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Notary for 401k rollover?
Replies: 15
Views: 908

Re: Notary for 401k rollover?

This is not possible to do with 401(k), at least at fidelity. They need a paper check. In fact, even at fidelity, to roll funds INTO a 401(k) from a fidelity IRA, they need a paper check. I'm working to rollover my 401(k) to Vanguard and while they will issue a paper check, it's still possible to d...
by whaleknives
Mon May 04, 2015 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Question:
Replies: 33
Views: 3764

Re: Social Security Question:

I did not realize it was 35 years. I thought it was 30. This actually makes a bigger difference. There is only a working history starting in 1982 of only $13K for the first year and then gradually increases to maximum these last 2 years. . . You can't be sure which years are among the highest 35 un...
by whaleknives
Sun May 03, 2015 8:43 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 202
Views: 9098

Re: Would it be possible for forum version to be a user selection?

This post is just the last gasp of a dinosaur. :) . . . Silly question. If websites can maintain multiple versions (standard and mobile), why not also keep the last simple html version for older systems? . . . How many times have you seen a website recommend using Internet Explorer XX for best resu...
by whaleknives
Sun May 03, 2015 2:02 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 202
Views: 9098

Re: Forum software upgrade bug reports and change requests

Haven't seen this mentioned so far: In the new Quick links>Your posts selection, the page icon is not red indicating unread posts, although the Forum page Topic list icons are red, and there is an "unread posts" icon.
by whaleknives
Sat May 02, 2015 8:35 pm
Forum: Forum Issues and Administration
Topic: Forum is now back ONLINE!
Replies: 45
Views: 1530

Re: Forum is now back ONLINE!

gkaplan wrote:. . . where's the "View unread posts" link? I'm using Firefox 37.0.1.

Try Forum page,upper left: Quick links>Unread posts.

Wait, that's all unread posts on the Forum. "Your posts" is better.
by whaleknives
Sat May 02, 2015 8:11 pm
Forum: Forum Issues and Administration
Topic: Forum is now back ONLINE!
Replies: 45
Views: 1530

Re: Forum is now back ONLINE!

Anyone else get a blank inch or two on both sides (just on the BBH side, not the main page).... Also the bogleheads label on the top is no longer a hot link back to the main page. On the Bogleheads Home page (topic list) both compass and "Bogleheads" title have links to https://www.bogleh...
by whaleknives
Fri May 01, 2015 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Question
Replies: 15
Views: 1290

Re: Bond Question

When you plot ETFs on Morningstar it just shows you pricing (so more or less NAV), for whatever reason, and not total return. For the long-term investor, particularly in bonds, you're probably very interested in the dividends. . . Thank you - I don't have any ETF's, and didn't realize that. Another...
by whaleknives
Fri May 01, 2015 5:54 pm
Forum: Personal Consumer Issues
Topic: Telemarketing by Cell /Increase with Consumer Cellular
Replies: 32
Views: 1704

Re: Telemarketing by Cell /Increase with Consumer Cellular

You can register landline or mobile phones at the National Do Not Call Registry , but I think such registries are becoming increasingly less effective. The National website has this note: " Scammers have been making phone calls claiming to represent the National Do Not Call Registry. The calls ...
by whaleknives
Fri May 01, 2015 5:25 pm
Forum: Personal Consumer Issues
Topic: Vacation Ideas out west
Replies: 42
Views: 3083

Re: Vacation Ideas out west

Texas Hill Country: Particularly the Fredericksburg, Bandera, Kerrville, Johnson City, Hunt area. Gorgeous country. Of course Austin and San Antonio are always nice. Grand Canyon, Zion NP. My daughter just finished some work at Zion National Park , UT and Enchanted Rock State Natural Area, TX, and ...
by whaleknives
Wed Apr 29, 2015 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Question:
Replies: 33
Views: 3764

Re: Social Security Question:

Your mother should be able to file a restricted application for spousal benefits only, and receive 50% of your father's monthly benefit (less if filing between 62 and FRA) while allowing the benefit on her earnings to grow with delayed retirement credits until age 70. You should have this confirmed ...
by whaleknives
Wed Apr 29, 2015 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: SS Benefits
Replies: 6
Views: 878

Re: SS Benefits

You can use the Retirement Estimator on the page linked by prudent for this simple scenario. It will use your earnings history (except for last year) and your do not have to enter in all your information like the online calculator referenced by whaleknives. :thumbsup That is excellent, Spirit Rider...
by whaleknives
Wed Apr 29, 2015 11:23 am
Forum: Personal Finance (Not Investing)
Topic: SS Benefits
Replies: 6
Views: 878

Re: SS Benefits

Your Primary Insurance Amount (PIA) at Full Retirement Age (FRA) is based on your 35 highest earning years , after indexing for inflation. Social Security offers this online calculator to account for lower future earnings. You can enter an estimate of 2015 earnings, and zero for all future earnings,...
by whaleknives
Wed Apr 29, 2015 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Bond Question
Replies: 15
Views: 1290

Re: Bond Question

When you plot ETFs on Morningstar it just shows you pricing (so more or less NAV), for whatever reason, and not total return. For the long-term investor, particularly in bonds, you're probably very interested in the dividends. . . Thank you - I don't have any ETF's, and didn't realize that. Another...
by whaleknives
Tue Apr 28, 2015 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Question
Replies: 15
Views: 1290

Re: Bond Question

Image
VCIT and BND vs VTI
by whaleknives
Tue Apr 28, 2015 4:14 pm
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 138
Views: 16922

Re: Documentaries to recommend?

hiddensee wrote:. . .Ken Burns' The Civil War, however, is possibly the best documentary ever made.

:beer After watching broadcast videotape recordings for years, I finally got the DVD set for Christmas!
by whaleknives
Tue Apr 28, 2015 12:09 pm
Forum: Investing - Theory, News & General
Topic: IBD: How Does Your Nest Egg Compare To Most Americans'?
Replies: 14
Views: 3663

Re: IBD: How Does Your Nest Egg Compare To Most Americans'?

The numbers come from the annual Retirement Confidence Survey (RCS): "The RCS is the longest-running annual retirement survey of its kind in the nation. Sponsored by the Employee Benefit Research Institute (EBRI), the American Savings Education Council (ASEC), and Mathew Greenwald & Associa...
by whaleknives
Tue Apr 28, 2015 11:57 am
Forum: Investing - Help with Personal Investments
Topic: new to investing
Replies: 3
Views: 261

Re: new to investing

some questions i have are, the whole tax deferred account/tax exempt/ regular taxed account. how do i go about opening one of each/given my situation which ones should i open? "Prioritizing investments" from the Wiki will be helpful with order of accounts. You specify the type of account ...
by whaleknives
Tue Apr 28, 2015 10:25 am
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 138
Views: 16922

Re: about rebuilding of WTC (other documentaries you loved)

Shut Up and Sing by Barbara Kopple and Cecilia Peck. Three years with the Dixie Chicks, their families, their band, and their public.
by whaleknives
Tue Apr 28, 2015 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Benefits
Replies: 5
Views: 1088

Re: Social Security Benefits

The total family benefit is the maximum that can be paid for any reason from one person's earnings record. See "Maximum Monthly Benefits Payable on One Earnings Record" . If you and your spouse both have earnings records and qualify for Social Security separately, than you might be eligibl...
by whaleknives
Mon Apr 27, 2015 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA, ACA, etc?
Replies: 21
Views: 1328

Re: COBRA, ACA, etc?

The premium tax credit and the cost-sharing subsidy are based on your estimate of the current year's household MAGI ; See "How do health insurance subsidies work?" in Kaiser's FAQ . There's a subsidy calculator on the same page. Also see HealthCare.gov's "How to estimate your income f...
by whaleknives
Mon Apr 27, 2015 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA, ACA, etc?
Replies: 21
Views: 1328

Re: COBRA, ACA, etc?

Retiring and losing employer health insurance can qualify you for a special enrollment period in 2015 under the ACA. I'd compare those plans to your COBRA.
by whaleknives
Sun Apr 26, 2015 9:11 pm
Forum: Personal Consumer Issues
Topic: How far away from a freight railroad track should you live?
Replies: 51
Views: 3346

Re: How far away from a freight railroad track should you li

An interesting question, but the internet is up to it. The Denver FasTrack site tells us "Train horns, wheel-rail interaction, diesel engines and vehicle cooling fans all contribute to train noise. Train horn noise is the loudest noise and is the same, regardless of the type of train (diesel or...
by whaleknives
Sun Apr 26, 2015 2:25 pm
Forum: Personal Consumer Issues
Topic: Cost to deliver a baby today?
Replies: 23
Views: 1626

Re: Cost to deliver a baby today?

Professor Emeritus wrote:
whaleknives wrote:Health costs have increased less than college:

O please you have to look at the actual cost of education , not tuition and fees. there has been cost shifting in higher education

Yes! If you add textbooks, it's even worse. :D
by whaleknives
Sun Apr 26, 2015 12:52 pm
Forum: Personal Consumer Issues
Topic: Cost to deliver a baby today?
Replies: 23
Views: 1626

Re: Cost to deliver a baby today?

Health costs have increased less than college:
Image
http://www.dartblog.com/data/2013/01/010555.php
by whaleknives
Thu Apr 23, 2015 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Cost for exchanges between funds?
Replies: 2
Views: 267

Re: Cost for exchanges between funds?

In general, no, but there are some funds with purchase or redemption fees: " Purchase and redemption fees : Very few Vanguard funds charge fees when you buy and sell shares. The fees are designed to help those funds cover higher transaction costs and protect long-term investors by discouraging ...
by whaleknives
Thu Apr 23, 2015 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 188
Views: 11067

Re: How much do you pay in Property Taxes?

The on-theme point is that this is a pointless thread, every state and local community has wildly different funding structures. :thumbsup Now you're making me feel bad. I tried to think of a way to normalize results, but you'd have to consider not only the total state tax burden, but also the total...
by whaleknives
Tue Apr 21, 2015 6:06 pm
Forum: Investing - Theory, News & General
Topic: The real reason for the flash crash?
Replies: 5
Views: 980

Re: The real reason for the flash crash?

Uh-oh, is it illegal to submit a bid that you intend to cancel before execution? Suppose I submit a bid to buy VTI at $50 tomorrow. Then I cancel it 1 hour later. Is that illegal? It looks like the suspect was busier than that, making $40 million over the last 5 years. :D According to the complaint...
by whaleknives
Tue Apr 21, 2015 11:49 am
Forum: Investing - Theory, News & General
Topic: Can't get excited about bond funds
Replies: 19
Views: 1618

Re: Can't get excited about bond funds

. . . If you want safety in a portfolio wouldn't you do just as well having your bond percentage in cash? No fluctuations in share price or taxable dividends. . . . Compare the boring Total Bond fund (VBTLX) to the Money Market fund (VMMXX), with CD ladders somewhere in between, I guess: http://i58...
by whaleknives
Mon Apr 20, 2015 7:32 pm
Forum: Personal Consumer Issues
Topic: How to pay real estate tax with Target Redcard
Replies: 79
Views: 7177

Re: How to pay real estate tax with Target Redcard

The Magic 8-Ball says "Cannot predict now". The prepaid REDCard promises electronic transfers to stored payees, but doesn't go into detail. Does your city website ask for routing and account numbers to set up electronic transfers, and does your REDCard account have them? My city requires t...
by whaleknives
Mon Apr 20, 2015 6:10 pm
Forum: Personal Consumer Issues
Topic: How to pay real estate tax with Target Redcard
Replies: 79
Views: 7177

Re: Consequences of paying real estate tax with Target Redca

Is your REDCard a debit card or a Visa credit card? Either way, it looks like you'd pay the processing fees. I don't see an option where Target will issue a check, as some bank or credit union accounts offer.
by whaleknives
Sun Apr 19, 2015 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: [Poll] regarding Keeping that old 401k.
Replies: 6
Views: 608

Re: [Poll] regarding Keeping that old 401k.

"Other". I had a 401(k) that I rolled over to a traditional IRA as soon as possible.
by whaleknives
Mon Apr 13, 2015 7:31 pm
Forum: Forum Issues and Administration
Topic: Undo "mark topics read"
Replies: 2
Views: 340

Re: Undo "mark topics read"

I've been searching the Forum's FAQ and posts without anything definitive. You might try "Delete all board cookies" at the bottom of the page, then logging back in. Eventually someone more knowledgeable will reply! :D
by whaleknives
Mon Apr 13, 2015 11:06 am
Forum: Personal Consumer Issues
Topic: Home Health Vehicle(Possible diesel?)
Replies: 5
Views: 530

Re: Home Health Vehicle(Possible diesel?)

Is cold climate a factor? I knew someone with a diesel VW Rabbit who complained about starting, even with the factory glow plug. They may have improved by now.
by whaleknives
Sun Apr 12, 2015 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Paying State taxes online
Replies: 11
Views: 863

Re: Paying State taxes online

My state website has menu selections for Individuals > Pay online, then drop down menus letting you select Tax Type "Individual Income Tax" and Payment Type "Estimated Payment". It seems redundant, compared to yours.

Why not call the office on Monday?
by whaleknives
Sun Apr 12, 2015 12:42 pm
Forum: Personal Consumer Issues
Topic: How should I name my home Wi-Fi network?
Replies: 55
Views: 4697

Re: How should I name my home Wi-Fi network?

Jack FFR1846 wrote:
Angelus359 wrote:FBI surveillance van #42
FBI surveillance van is actually one of the most common names. My son named one of our wifi's this when he was 13.

Yes, but it works better with "42".
by whaleknives
Sat Apr 11, 2015 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: VBTLX questions
Replies: 6
Views: 769

Re: VBTLX questions

Here's what you're missing. Would you rather have a 100% stock portfolio doing this: http://i61.tinypic.com/214nxmv.jpg Or would you like part of your portfolio to do this: http://i59.tinypic.com/2h6810o.jpg I just love looking at VBTLX during the Great Recession.
by whaleknives
Sat Apr 11, 2015 2:47 pm
Forum: Forum Issues and Administration
Topic: How does this site make money?
Replies: 39
Views: 5670

Re: How does this site make money?

You may still be right on the bank account transactions. I don't know if PayPal considers Bogleheads "friends and family". :) Sending money to friends and family is free for you and the recipient in the US when you fund the transfer with your bank account or PayPal balance. You can also us...
by whaleknives
Sat Apr 11, 2015 12:49 pm
Forum: Forum Issues and Administration
Topic: How does this site make money?
Replies: 39
Views: 5670

Re: How does this site make money?

Actually, PayPal charges the nonprofit 2.2% to 2.9% + transaction fee to process donations. From their site: How can my charity or nonprofit use PayPal to collect donations? . . . There are no monthly or set-up fees with donation button transactions. Your organization only pays processing fees when ...
by whaleknives
Thu Apr 09, 2015 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Sniff test on this portfolio?
Replies: 10
Views: 1137

Re: Sniff test on this portfolio?

Have you ever used Morningstar Instant X-Ray to look at a portfolio? This is yours, with MainStay Large Cap Growth C rounded to 36%: http://i57.tinypic.com/241oz21.jpg http://i62.tinypic.com/2z55b4g.jpg http://i61.tinypic.com/oizq4k.jpg First impressions: Stocks: 79% of portfolio, 19% non-U.S. (24% ...
by whaleknives
Wed Apr 08, 2015 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: making the switch to Ally Bank
Replies: 51
Views: 4424

Re: making the switch to Ally Bank

⋅ Ally savings accounts are limited to 6 free online withdrawals and transfers per month, which can prevent setting up multiple automatic transactions: "You can always call us and request a check made out to you. You can also make unlimited deposits. But, Federal law limits other ele...
by whaleknives
Wed Apr 08, 2015 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Distributions
Replies: 2
Views: 420

Re: Roth IRA Distributions

From Figure 2.1 in IRS Publication 590-B (2014), Distributions from Individual Retirement Arrangements (IRAs); all you need are the first two Yes's:

Image

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