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Re: Good books on Law to give to a teenager?

Besides To Kill a Mockingbird by Harper Lee, I enjoyed My Life in Court by Louis Nizer. But then, I also liked The Paper Chase. :D
by whaleknives
Sat Nov 22, 2014 8:54 pm
 
Forum: Personal Consumer Issues
Topic: Good books on Law to give to a teenager?
Replies: 12
Views: 934

Re: New Electrical Outlets are tough to Penetrate

dratkinson wrote: side-to-side

+1 on side-to-side. We just upgraded our fuse panel and all outlets from 2 to 3-prong. I had to talk to the contractor to learn the secret.
by whaleknives
Mon Nov 17, 2014 8:16 pm
 
Forum: Personal Consumer Issues
Topic: New Electrical Outlets are tough to Penetrate
Replies: 7
Views: 2023

Re: Explain purpose of bonds in low yields

From the Wiki: " Role in a portfolio . . . Bonds are typically used to stabilize the value of a portfolio and/or produce a stream of income." http://i60.tinypic.com/2cpvkmv.jpg " Asset allocation : the division of an individual's portfolio into different types of investments (called a...
by whaleknives
Sun Nov 16, 2014 11:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Explain purpose of bonds in low yields
Replies: 10
Views: 816

Re: Vent free propane stove

Unvented fuel-fired space heaters are relying on building leakage for combustion air and venting. Some recommendations go farther: "When operating unvented combustion appliances, such as portable space heaters and stoves, follow safe practices. Besides observing fire safety rules, make sure the...
by whaleknives
Sun Nov 16, 2014 8:19 pm
 
Forum: Personal Consumer Issues
Topic: Vent free propane stove
Replies: 12
Views: 1432

Re: Active or Not, I Love Wellington

Do you know anything about the Dodge and Cox Balanced Fund? Expenses seem a touch on the high side but turnover is good. http://i61.tinypic.com/2qjfxpk.jpg Dodge & Cox Balanced (DODBX) was heavily invested in mortgage-backed CDO's in 2007. More than Wellington (VWELX), I guess.
by whaleknives
Sun Nov 16, 2014 1:31 pm
 
Forum: Investing - Theory, News & General
Topic: Active or Not, I Love Wellington
Replies: 53
Views: 5076

"Folklore of Finance" article and indices

" The Folklore of Finance : Beliefs That Contribute to Investors’ Failure" seemed very BH, until it described passive investing as " too simplistic" because it wouldn't allow active advisors like State Street to manage investments. According to Wikipedia , "The two firms wit...
by whaleknives
Sat Nov 15, 2014 12:55 pm
 
Forum: Investing - Theory, News & General
Topic: "Folklore of Finance" article and indices
Replies: 4
Views: 882

Re: Why own International at all?

Ken Schwartz wrote:You're suffering from recency bias --- taking the last few years results and projecting them into the future. You might want to take a look at the Callan Periodic Table of Investment Returns.

This link seems to be working better right now, with higher resolution here.
by whaleknives
Fri Nov 14, 2014 8:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why own International at all?
Replies: 45
Views: 3987

Re: Most Efficient Human Powered Boat

Efficiency comes at a price, with better design and materials for the specific use. As you've discovered, even a few hours in an inflatable can be exhausting. Can you be more specific about "long distances"? Day or week trips? Canoes might be less expensive than rowing, but it's still a tr...
by whaleknives
Sun Nov 09, 2014 7:35 pm
 
Forum: Personal Consumer Issues
Topic: Most Efficient Human Powered Boat
Replies: 13
Views: 1403

Re: Portfolio simulation tools

More from the Wiki:
by whaleknives
Fri Oct 31, 2014 8:51 pm
 
Forum: Investing - Theory, News & General
Topic: Portfolio simulation tools
Replies: 9
Views: 1522

Re: The Final, Definitive Thread on Rebalancing

stlutz wrote:Sscritic says that livesoft is a [Personal attack removed by moderator].

This should be "Sscritic says that livesoft is a [Personal attack removed by moderator]."
by whaleknives
Sat Oct 18, 2014 9:34 pm
 
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Rebalancing
Replies: 24
Views: 2068

Re: Why do people use age instead of life expectancy?

I think everyone is imputing too much rigor to Mr. Bogle's "simple rule of thumb for asset allocation" (Bogle on Mutual Funds, Dell, 1994, pg 238-239). He was simply arguing that younger accumulators can afford to take more risk than older distributors.
by whaleknives
Sat Oct 18, 2014 10:42 am
 
Forum: Investing - Theory, News & General
Topic: Why do people use age instead of life expectancy?
Replies: 43
Views: 2950

Re: Nedd Social Security explained

+1 on reading ssa.gov . And here's the incentive: People spend more time planning a vacation than they do planning for 20 or 30 years of Social Security benefits,” says Barry Kaplan, chief investment officer for Cambridge Wealth Counsel in Atlanta. Those benefits, he notes, are insurance against mar...
by whaleknives
Sun Oct 12, 2014 9:28 pm
 
Forum: Investing - Theory, News & General
Topic: Nedd Social Security explained
Replies: 2
Views: 470

Re: Critically Acclaimed Movies you did not like

http://ia.media-imdb.com/images/M/MV5BMTgxMzQ3MjUxN15BMl5BanBnXkFtZTcwNzI5NjgwMw@@._V1__SX956_SY451_.jpg I guess delight, like beauty, is in the eye of the beholder. But I liked the The English Patient very much. I still have vivid memories of the opening flight over the ocean-like desert, the cave...
by whaleknives
Sat Oct 04, 2014 8:20 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 9485

Re: I am surely doing something wrong (FireCalc question)

. . . 1) Yearly spend = 122k (for those of you following the other thread, this is current take home pay minus mortgage and childcare, and I added some money back in for property tax and house maintenance) 2) I then factored in SocSec payments - 73k for the two of us, one retiring at 70 and the oth...
by whaleknives
Sat Oct 04, 2014 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: I am surely doing something wrong (FireCalc question)
Replies: 45
Views: 4264

Re: Obese airline passenger

It's a bigger problem than comfort; the FAA assumes 190 (summer) to 195 (winter) pounds as the average weight of men for weight and balance calculations, with women and children less.
by whaleknives
Sun Sep 28, 2014 6:28 pm
 
Forum: Personal Consumer Issues
Topic: Obese airline passenger
Replies: 62
Views: 4947

Re: Bill Gross moving from PIMCO to Janus, Monday

Of all the ink (and electrons) spilled on Bill Gross this weekend, the most interesting was in another thread by nisiprius ( Re: Risks associated with investing in Vanguard funds ): . . . To put it another way, I don't know if there are any Vanguard funds at all that take short positions, but when I...
by whaleknives
Sun Sep 28, 2014 12:04 pm
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 113
Views: 10453

Re: Risks to putting most investments at Vanguard

I think Corzine is closer to Madoff than JPMorgan Chase as an analogy. "MF Global provided exchange-traded derivatives, such as futures and options as well as over-the-counter products such as contracts for difference (CFDs), foreign exchange and spread betting . . . According the New York Time...
by whaleknives
Sun Sep 21, 2014 10:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Risks to putting most investments at Vanguard
Replies: 18
Views: 1156

Re: Risks to putting most investments at Vanguard

Mike Piper had more to say about custodian banks, in an article linked to the Wiki : Federal banking law generally provides that fund securities held in segregated custodian bank accounts are not assets of an insolvent custodian bank and are not subject to claims by the custodian bank’s general cred...
by whaleknives
Sun Sep 21, 2014 9:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Risks to putting most investments at Vanguard
Replies: 18
Views: 1156

Re: Recommend good fantasy (alternative history) book?

Lois McMaster Bujold's Chalion series ⋅ "The Curse of Chalion" ⋅ "Paladin of Souls" ⋅ "The Hallowed Hunt" Sharing Knife series ⋅ "Beguilement" ⋅ "Legacy" ⋅ "Passage" (this might b...
by whaleknives
Sat Sep 13, 2014 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Recommend good fantasy (alternative history) book?
Replies: 13
Views: 887

Re: Do i need to invest in bonds?

Image
It's a personal decision, but adding bond funds (orange above) to your portfolio can level stock peaks and valleys, and might help you avoid the temptation to sell low and buy high.
by whaleknives
Fri Sep 12, 2014 3:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do i need to invest in bonds?
Replies: 11
Views: 1126

Re: Why invest in bonds?

⋅ Most here seem to reduce equities with age, but do not follow a strict "age in bonds" rule, as shown here and here . ⋅ Your chart is correct for 3/1/94 to 3/1/99. ⋅ I really enjoy posting this chart: http://i59.tinypic.com/15nnbiu.jpg The volatility of a st...
by whaleknives
Sun Aug 31, 2014 3:17 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in bonds?
Replies: 103
Views: 6778

Re: Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."

Google search on Are Stock Prices Headed for a Fall? does the trick. Copy the text, pasted it into the Google search box, and click on the first hit. For reasons I don't understand, you really have to do it that way. I've tried helping people out by performing the search and then posting the link f...
by whaleknives
Thu Aug 28, 2014 6:06 pm
 
Forum: Investing - Theory, News & General
Topic: Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."
Replies: 26
Views: 3124

Re: Stopping Junk mail from USPS

You need ways to stop the junk mail at the source, like calling the local newspaper that sends out weekly ad and coupon mailings. The USPS calls it "commercial mail", and can't afford to stop.
by whaleknives
Fri Aug 22, 2014 4:15 pm
 
Forum: Personal Consumer Issues
Topic: Stopping Junk mail from USPS
Replies: 26
Views: 2002

Re: Market timing....Mark Hulbert

The goal isn't to accumulate stocks, it's to accumulate money. So to succeed at market timing, you need the perfect, enormous, one-time, never-to-be-repeated killing? Market timing on a smaller scale would probably be more like arbitrage, with repeated cycles of transactions. More like slowing losi...
by whaleknives
Sun Aug 10, 2014 9:41 pm
 
Forum: Investing - Theory, News & General
Topic: Market timing....Mark Hulbert
Replies: 7
Views: 1294

Re: Market timing....Mark Hulbert

This link may work for non-subscribers, but sometimes they seem ephemeral.
by whaleknives
Sun Aug 10, 2014 7:10 pm
 
Forum: Investing - Theory, News & General
Topic: Market timing....Mark Hulbert
Replies: 7
Views: 1294

Re: Oldest age to start medical school?

Here is some data from the Association of American Medical Colleges (Table 6) on those who attempted application and enrollment:

Image
by whaleknives
Fri Aug 08, 2014 9:46 pm
 
Forum: Personal Consumer Issues
Topic: Oldest age to start medical school?
Replies: 44
Views: 5706

Re: Volatility: Oh how I love thee.

bertilak wrote:
Rick Ferri wrote:... and that gives me more opportunities to buy at cheap prices.

Opportunity to buy requires cash to buy with. Unfortunately for us retirees, new cash is a little harder to come by!

We'll just have to be satisfied with rebalancing! :)
by whaleknives
Thu Aug 07, 2014 4:29 pm
 
Forum: Investing - Theory, News & General
Topic: Volatility: Oh how I love thee.
Replies: 44
Views: 3501

Re: [If over 50] Do you prepare for long term care

You are confusing annual with lifetime rates. e.g. If the average life expectancy over age 65 is 20 years and each year 6% of the elderly is in care the lifetime probability depends on the average length of stay. If it was 1 year the probability of needing care is near 100% if its 2 years the proba...
by whaleknives
Wed Aug 06, 2014 8:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: [If over 50] Do you prepare for long term care
Replies: 43
Views: 2269

Re: [If over 50] Do you prepare for long term care

Most people don't receive long-term care services (6% of the U.S. population over 65, per the CDC Long-Term Care Services in the United States: 2013 Overview and the U.S. Census).

Most of those who do end up in nursing homes pay down their assets until they are funded by Medicaid.
by whaleknives
Wed Aug 06, 2014 7:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: [If over 50] Do you prepare for long term care
Replies: 43
Views: 2269

Re: My IPS in computer pseudocode

joppy wrote:So at age 85 you are 100% bonds, and at age 90 you buy bonds on margin?

Thus we come to Limitations of models, where the rules change at the limits. All you need are more formulas. Thus we see the exponential growth of software patches.
by whaleknives
Sat Aug 02, 2014 8:16 am
 
Forum: Investing - Help with Personal Investments
Topic: My IPS in computer pseudocode [Investment Policy Statement]
Replies: 24
Views: 2784

Re: POLL: My home is worth less/more in 2014 than in 2007?

Down 8% from 2007 based on assessments (± "Fair Market Value" - no duress, never any duress, uh-uh, no sirree Bob). Our value actually peaked in 2008.
by whaleknives
Sun Jul 27, 2014 11:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 94
Views: 6170

Re: Do Bogleheads Feel Wealthier?

Let's see:
    Marginal federal tax rate 15%
    Household income
      Top 29% in my city
      Top 24% in the U.S.
      Top 16% in my state
I feel wealthier already! :D It's all relative, but I do feel closer to my retirement number.
by whaleknives
Sun Jul 27, 2014 10:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads Feel Wealthier?
Replies: 57
Views: 4858

Re: Hw many credit cards to own?

Two: one for credit and one for debit.
by whaleknives
Mon Jul 21, 2014 4:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 123
Views: 76335

Re: Japan's Lost Decades in One Chart

Why does the U.S. data stop 10 years before Japan's?
by whaleknives
Sat Jul 19, 2014 3:20 pm
 
Forum: Investing - Theory, News & General
Topic: Japan's Lost Decades in One Chart
Replies: 23
Views: 3007

Re: Poll - Do You Read Businessweek?

Only for John Bogle quotes.
by whaleknives
Thu Jul 17, 2014 10:38 pm
 
Forum: Personal Consumer Issues
Topic: Poll - Do You Read Businessweek?
Replies: 30
Views: 2292

Re: Footwear in Vietnam

I'm sorry, but this is such a straight line. Vietnam Jungle Boot : Panama sole and heel vulcanized to leather upper. Steel shank in-sole for support with leather inner sole. Nylon webbing on sides and collar. http://www.armynavyshop.com/mm5/graphics/00000002/fxoTREK.jpg.jpg The steel shank is good n...
by whaleknives
Mon Jul 14, 2014 6:31 pm
 
Forum: Personal Consumer Issues
Topic: Footwear in Vietnam
Replies: 25
Views: 2302

Re: america the beautiful national parks and lands pass

You don't need a National Parks pass for the Boundary Water Canoe area . . . Peter - pablolo's America the Beautiful pass will provide a discount on some user fees charged by the National Forest Service for the BWCA. Unfortunately, there is also a special recreation permit fee for the wilderness th...
by whaleknives
Sat Jul 12, 2014 9:57 pm
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 66
Views: 6066

Re: POLL: Walmart vs Amazon

sscritic wrote:But that's the point. When was the last time your employer helped you apply for public benefits? Only Walmart treats their employees with such consideration for their needs.

Maybe if Walmart paid a living wage, their needs would be met by their employer and not the taxpayer. :)
by whaleknives
Sat Jul 12, 2014 2:36 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8871

Re: POLL: Walmart vs Amazon

If Walmart treated their employees so poorly, they wouldn't continue to have employees. They wouldn't continue to flourish. Simple microeconomics. When I was in high school and college, a position at Walmart was actually a sought-after job due to the way they *did* treat their employees. Successful...
by whaleknives
Sat Jul 12, 2014 11:40 am
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8871

Financial Predictions

nisiprius posted the first book below in a now locked topic on financial predictions, as an example of fail. The second book followed in three years: http://i57.tinypic.com/awq5fp.jpg http://i62.tinypic.com/bfkf0k.jpg Yourdon Press Computing Series, Prentice Hall (June 16, 1993) Yourdon Press Comput...
by whaleknives
Sat Jul 12, 2014 11:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Financial Predictions
Replies: 0
Views: 420

Re: $31,900 lump sum vs. $2,500 yearly?

The lump sum and annual interest payments seem equivalent, based on a single payment immediate annuity, and depending on your mom's actual age and annuity type.
by whaleknives
Fri Jul 11, 2014 3:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: $31,900 lump sum vs. $2,500 yearly?
Replies: 6
Views: 1270

Re: How do I enter unknown ticker on morningstar xray?

Sorry, a ticker is not available. From the Morningstar Bogleheads® Unite Forum : "The U.S. Equity Index Fund is a commingled pool of the Fidelity Group Trust for Employee Benefit Plans. It is not a mutual fund." Based on your 401(k) descriptions, you'll have to pick a similarly performing ...
by whaleknives
Fri Jul 04, 2014 11:19 am
 
Forum: Investing - Help with Personal Investments
Topic: How do I enter unknown ticker on morningstar xray?
Replies: 4
Views: 386

Market Timing

Image

Just seen in the library. Really. Truer than they know. Published once in 2003.
by whaleknives
Fri Jun 27, 2014 6:13 pm
 
Forum: Investing - Theory, News & General
Topic: Market Timing
Replies: 5
Views: 476

Re: [Poll] How many brokerage firms do you use for investing

It looks like the results are good to ± 1. Can we have a revote with more specific ground rules?
by whaleknives
Sun Jun 22, 2014 1:18 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] How many brokerage firms do you use for investing?
Replies: 43
Views: 2234

Re: What would "you" do?? [in this case]

kayanco wrote:Time horizon, I don't really know . . . What should it be?

Ask yourself, what am I saving for?
by whaleknives
Tue Jun 10, 2014 7:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: What would "you" do?? [in this case]
Replies: 50
Views: 3973
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