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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 10:34 pm
 
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Rebalancing
Replies: 24
Views: 1821

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 11:42 am
 
Forum: Investing - Theory, News & General
Topic: Why do people use age instead of life expectancy?
Replies: 43
Views: 2894

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 10:28 pm
 
Forum: Investing - Theory, News & General
Topic: Nedd Social Security explained
Replies: 2
Views: 460

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 9:20 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 8010

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 2:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: I am surely doing something wrong (FireCalc question)
Replies: 45
Views: 3979

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 7:28 pm
 
Forum: Personal Consumer Issues
Topic: Obese airline passenger
Replies: 62
Views: 4856

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 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 113
Views: 10004

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 11:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Risks to putting most investments at Vanguard
Replies: 18
Views: 1128

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 10:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Risks to putting most investments at Vanguard
Replies: 18
Views: 1128

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 5:06 pm
 
Forum: Personal Consumer Issues
Topic: Recommend good fantasy (alternative history) book?
Replies: 4
Views: 305

Re: Do i need to invest in bonds?

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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 4:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do i need to invest in bonds?
Replies: 11
Views: 1117

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 4:17 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in bonds?
Replies: 103
Views: 6566

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 7:06 pm
 
Forum: Investing - Theory, News & General
Topic: Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."
Replies: 26
Views: 3051

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 5:15 pm
 
Forum: Personal Consumer Issues
Topic: Stopping Junk mail from USPS
Replies: 26
Views: 1981

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 10:41 pm
 
Forum: Investing - Theory, News & General
Topic: Market timing....Mark Hulbert
Replies: 7
Views: 1261

Re: Market timing....Mark Hulbert

This link may work for non-subscribers, but sometimes they seem ephemeral.
by whaleknives
Sun Aug 10, 2014 8:10 pm
 
Forum: Investing - Theory, News & General
Topic: Market timing....Mark Hulbert
Replies: 7
Views: 1261

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 10:46 pm
 
Forum: Personal Consumer Issues
Topic: Oldest age to start medical school?
Replies: 44
Views: 5657

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 5:29 pm
 
Forum: Investing - Theory, News & General
Topic: Volatility: Oh how I love thee.
Replies: 44
Views: 3291

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 9:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: [If over 50] Do you prepare for long term care
Replies: 43
Views: 2209

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 8:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: [If over 50] Do you prepare for long term care
Replies: 43
Views: 2209

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 9:16 am
 
Forum: Investing - Help with Personal Investments
Topic: My IPS in computer pseudocode [Investment Policy Statement]
Replies: 24
Views: 2749

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
Mon Jul 28, 2014 12:27 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 94
Views: 5987

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 11:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads Feel Wealthier?
Replies: 57
Views: 4826

Re: Hw many credit cards to own?

Two: one for credit and one for debit.
by whaleknives
Mon Jul 21, 2014 5:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 121
Views: 50990

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 4:20 pm
 
Forum: Investing - Theory, News & General
Topic: Japan's Lost Decades in One Chart
Replies: 23
Views: 2979

Re: Poll - Do You Read Businessweek?

Only for John Bogle quotes.
by whaleknives
Thu Jul 17, 2014 11:38 pm
 
Forum: Personal Consumer Issues
Topic: Poll - Do You Read Businessweek?
Replies: 30
Views: 2264

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 7:31 pm
 
Forum: Personal Consumer Issues
Topic: Footwear in Vietnam
Replies: 25
Views: 2237

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 10:57 pm
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 66
Views: 5899

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 3:36 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8773

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 12:40 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8773

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 12:07 pm
 
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 4:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: $31,900 lump sum vs. $2,500 yearly?
Replies: 6
Views: 1264

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 12:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do I enter unknown ticker on morningstar xray?
Replies: 4
Views: 385

Market Timing

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Just seen in the library. Really. Truer than they know. Published once in 2003.
by whaleknives
Fri Jun 27, 2014 7:13 pm
 
Forum: Investing - Theory, News & General
Topic: Market Timing
Replies: 5
Views: 472

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 2:18 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] How many brokerage firms do you use for investing?
Replies: 43
Views: 2177

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 8:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: What would "you" do?? [in this case]
Replies: 50
Views: 3963

Re: Where do all of you buy your term life insurance?

From my employers, over the last 40 years. :)
by whaleknives
Wed Jun 04, 2014 7:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where do all of you buy your term life insurance?
Replies: 12
Views: 1064

Re: Where can I see my personal rate of return using Vanguar

Under My accounts>Personal performance>See how we calculate performance> ⋅ Data not available. Due to the calculation method that Vanguard uses, personal rate of return data is not available: ⋅ If you're a newly registered participant. ⋅ For a fund, account, or portfoli...
by whaleknives
Fri May 30, 2014 10:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Where can I see my personal rate of return using Vanguard?
Replies: 17
Views: 1848

Re: Costs that go down/away or go up/first appear in retirem

I am working on the RMD issue. . . I am running my own calculations and using i-orp and firecalc. . . i-orp gives a detailed plan taking taxes into account so that is quite useful. i-orp seems to maximize spending by minimizing Roth conversions. My results limit conversions to 3 of the 5-1/2 years ...
by whaleknives
Thu May 29, 2014 7:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Costs that go down/away or go up/first appear in retirement
Replies: 30
Views: 2914

Re: Costs that go down/away or go up/first appear in retirem

Anyone planning retirement withdrawals from tax-deferred accounts (traditional IRA or traditional 401(k)) should estimate the effects of Required Minimum Distributions and Social Security on income taxes. I found that my retirement taxes would actually increase, but can be reduced by converting to a...
by whaleknives
Wed May 28, 2014 10:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Costs that go down/away or go up/first appear in retirement
Replies: 30
Views: 2914

Re: Your Company Ever Been "Spun-Off"? Any Stories/Suggestio

Took a while to find it. Georgia-Pacific acquired Great Northern Nekoosa in a 1990 hostile take-over, with a 2-year promise of job security. In 1992 Georgia-Pacific announced 342 layoffs at Nekoosa Papers, including all 200 employees of the corporate R&D laboratory that same year. Nekoosa Papers...
by whaleknives
Tue May 27, 2014 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your Company Ever Been "Spun-Off"? Any Stories/Suggestions?
Replies: 23
Views: 1923

Re: Your Company Ever Been "Spun-Off"? Any Stories/Suggestio

If there are any golden parachutes or guarantees, the layoffs will begin the day they expire.
by whaleknives
Tue May 27, 2014 7:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your Company Ever Been "Spun-Off"? Any Stories/Suggestions?
Replies: 23
Views: 1923

Re: Market fluctuation in late 2008

It was easier to continue 401(k) payroll deductions during the last great recession, than it will be to continue retirement withdrawals during the next.
by whaleknives
Sun May 25, 2014 10:14 am
 
Forum: Investing - Theory, News & General
Topic: Market fluctuation in late 2008
Replies: 51
Views: 3439

Re: "Moshe Milevsky on Tontines"

Some of our parents had this best seller:

Image
by whaleknives
Sat May 17, 2014 6:24 pm
 
Forum: Investing - Theory, News & General
Topic: "Moshe Milevsky on Tontines"
Replies: 28
Views: 2678
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