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Re: Vanguard target fund vs age in bonds

Even conservative target retirement fund glide paths are more aggressive than "age in bonds" until about 48 years.
by whaleknives
Thu Mar 26, 2015 4:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard target fund vs age in bonds
Replies: 12
Views: 1409

Re: Converted to Roth TSP and my taxes doubled!!

Looking at my federal withholding on my payroll website, it only gives me the option to increase my dependents and add a specific dollar amount for extra withholding. I have 0 dependents and I'm not married. How would I adjust it to get less money taken out? Can I just up the number of exemptions e...
by whaleknives
Thu Mar 26, 2015 2:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Converted to Roth TSP and my taxes doubled!!
Replies: 17
Views: 1611

Re: Converted to Roth TSP and my taxes doubled!!

That makes sense on the witholding going up and not the taxes. By all means, change your withholding to the minimum required (90% of this year's tax or 100% of last year's) to avoid penalties . But you will pay more tax now with a Roth than a traditional IRA; you can pay them now (with the Roth), o...
by whaleknives
Thu Mar 26, 2015 2:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Converted to Roth TSP and my taxes doubled!!
Replies: 17
Views: 1611

Re: Converted to Roth TSP and my taxes doubled!!

Compare your statements' taxable incomes. The traditional IRA postpones income tax until withdrawal, lowering your taxable income. Roth IRA deposits are taxed when earned.
by whaleknives
Thu Mar 26, 2015 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Converted to Roth TSP and my taxes doubled!!
Replies: 17
Views: 1611

Re: Financial Engines

I like Financial Engines. The aggregating of account totals makes it easy to use, and the results seem to match FIRECalc for my scenarios.
https://www.bogleheads.org/forum/viewtopic.php?f=2&t=160359&hilit=+engines#p2406686
by whaleknives
Tue Mar 24, 2015 10:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial Engines
Replies: 2
Views: 389

Re: Free Credit Report

One free report annually from each of the three major credit agencies is available from AnnualCreditReport.com.
by whaleknives
Tue Mar 24, 2015 6:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Free Credit Report
Replies: 8
Views: 827

Re: Vanguard HealthCare Fund

I have held Vanguard Health Care Fund Investor (VGHCX) as a bit of mental accounting with a class settlement, chasing returns. Based on postings, others here have also.
by whaleknives
Tue Mar 24, 2015 6:09 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 57
Views: 4607

Re: Measuring duct volume and/or temperature

Traditionally, the flow velocity and temperature are measured in a branch duct from a test port (i.e., hole) upstream of the outlet grille. The pressure drop across grilles and grille dampers can have a great effect on the flow.

The temp you can measure with any probe that fits through the grille.
by whaleknives
Tue Mar 24, 2015 6:00 pm
 
Forum: Personal Consumer Issues
Topic: Measuring duct volume and/or temperature
Replies: 6
Views: 492

Re: Mysterious Vanguard Security Code

Lynn, do you by any chance use aggregation software, like Mint? The software logging in might account for what you saw. Yes, I do use Mint, so maybe that's it. It still seems odd though, because I've used the text code since shortly after it was offered and don't remember this happening before. Hop...
by whaleknives
Sun Mar 22, 2015 5:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mysterious Vanguard Security Code
Replies: 18
Views: 1762

Re: Urgent Care Centers - When should they be used?

Your medical insurer probably has recommendations (or requirements) for you. Mine says ⋅ Emergency care is care for medical conditions that will likely result in serious jeopardy to a person’s health or that of an unborn child. Examples of conditions requiring emergency care include: choki...
by whaleknives
Sun Mar 22, 2015 12:38 pm
 
Forum: Personal Consumer Issues
Topic: Urgent Care Centers - When should they be used?
Replies: 45
Views: 3614

Re: Restaurant Tipping, No Waiter/Waitress

Based on my Chilis experience, I don't think you'll have the option of no server. You're only bypassing the order taking, but drinks and food are still brought to your table and you have a dedicated server. You'll still have the opportunity for variable service and tipping accordingly. :D
by whaleknives
Sat Mar 21, 2015 8:42 pm
 
Forum: Personal Consumer Issues
Topic: Restaurant Tipping, No Waiter/Waitress
Replies: 18
Views: 2776

Re: Total Stock Market composition

Not very much: 1% from mid cap to large cap growth. Page down to the Holdings Style box.
http://portfolios.morningstar.com/fund/summary?t=VTSAX&region=usa&culture=en-US
by whaleknives
Fri Mar 20, 2015 8:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market composition
Replies: 6
Views: 692

Re: Our new voice land line keeps getting FAX calls.

I had this problem with a new landline number after moving. Two years prior the number belonged to a flooring company, and I would get voice calls for them. One caller refused to believe me, and kept calling until I asked him to check the date of his phone book. It was 3 years old. At least I could ...
by whaleknives
Tue Mar 17, 2015 3:18 pm
 
Forum: Personal Consumer Issues
Topic: Our new voice land line keeps getting FAX calls.
Replies: 11
Views: 1040

Re: Social Security Website's "Online Calculator"

The Social Security Online Calculator "retirement benefit" matches my benefit for the specific "Age at retirement" entered: Current, FRA or 70 years, with "Today's dollars" selected. Since it only gives you one benefit amount for each calculation, you have to enter diff...
by whaleknives
Tue Mar 17, 2015 2:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Website's "Online Calculator"
Replies: 8
Views: 760

Re: Book title? Subject:Colorado cabin with PV and wind turb

This was the only book author I came across. There seem to be a LOT of magazine links. ⋅  Crafting Log Homes Solar Style: An Inspiring Guide to Self-Sufficiency Paperback – March 21, 2008 by Rex A. Ewing and LaVonne Ewing (Author) "Follow the authors' journey of handcrafting an off-th...
by whaleknives
Mon Mar 16, 2015 6:29 pm
 
Forum: Personal Consumer Issues
Topic: Book title? Subject:Colorado cabin with PV and wind turbine
Replies: 2
Views: 239

Re: Bonds — The U.S. As a High-Yielding Country?

One economist has discussed this recently here and here : . . . what explains our relatively high interest rates? Well, let’s compare with Germany, also perceived as almost completely safe — but paying much lower interest. Why? The crucial point here is that German bonds are denominated in euros, wh...
by whaleknives
Sun Mar 15, 2015 11:33 am
 
Forum: Investing - Theory, News & General
Topic: Bonds — The U.S. As a High-Yielding Country?
Replies: 13
Views: 1195

Re: Edward Jones - A Detrimental Option for Investors

Amazingly, Fortune magazine ranks Edward Jones in 6th place among the "100 Best Companies To Work For" , while at the same time one of the " 'Best Companies' with the most job openings" . The best company ranking is based on employee surveys. Over half of the open positions are f...
by whaleknives
Sun Mar 15, 2015 10:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Edward Jones - A Detrimental Option for Investors
Replies: 13
Views: 2454

Re: Are Bogleheads by definition Hayek-ians?

I think applying economic theory to investing is comparing apples and oranges. But for economics and business cycle theory I would have to go with Keynes, Krugman , and yes, Friedman , who said: "I think the Austrian business-cycle theory has done the world a great deal of harm. If you go back ...
by whaleknives
Sat Mar 14, 2015 7:58 pm
 
Forum: Investing - Theory, News & General
Topic: Are Bogleheads by definition Hayek-ians?
Replies: 6
Views: 840

Re: Retirement Issues: Life Expectancy

The Wiki has a section of Life Expectancy Calculators, but no active links. Here are some links with reviews:
I have no personal experience with how good any are. :)
by whaleknives
Sat Mar 14, 2015 1:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Issues: Life Expectancy
Replies: 24
Views: 2206

Re: Dip? What Dip? Did you catch it?

I never got outside my 5% portfolio/25% allocation bands. Maybe next dip.
by whaleknives
Thu Mar 12, 2015 10:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 121
Views: 10456

Re: SSA Retirement Estimator

The Retirement Estimator is working for me, and does not require signing in. Since you have an online account, if you sign in you will see your benefits with earnings through 2014. Do any of these apply to you? "You can use the Retirement Estimator if: ⋅ You have enough Social Securit...
by whaleknives
Tue Mar 10, 2015 11:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: SSA Retirement Estimator
Replies: 6
Views: 1042

Re: financial engines on vanguard site?

This Vanguard Financial Engines link opens in a new window in about 3 seconds.
by whaleknives
Sat Mar 07, 2015 6:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: financial engines on vanguard site?
Replies: 5
Views: 824

Re: How long did you stay in your starter home?

kenyan wrote:What's a starter home?

:thumbsup 2 years. You can't predict how long you'll stay anywhere.
by whaleknives
Sat Mar 07, 2015 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long did you stay in your starter home?
Replies: 87
Views: 4617

Re: Vanguard's retirement calculator: meh

Vanguard also offers the program Financial Engines , now called a "Personal Online Advisor, powered by Financial Engines". It's free to Vanguard customers at any level, I think, and you might find it more useful. Financial Engines uses a Monte Carlo simulation to calculate a range of annua...
by whaleknives
Sat Mar 07, 2015 12:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard's retirement calculator: meh
Replies: 1
Views: 695

Re: ammunition stocks or funds?

These are members of the Sporting Arms and Ammunition Manufacturers' Institute. If you also want military, you'll have to edit this group - some are Army Ammunition Plants, and others haven't been around since 1860.
by whaleknives
Thu Mar 05, 2015 7:35 pm
 
Forum: Investing - Theory, News & General
Topic: ammunition stocks or funds?
Replies: 11
Views: 1072

Re: Retiree Poll: Satisfaction with retirement

Very satisfied : 1. Control of my time. 2. Control of my environment. 3. Control of my health. 4. Elimination of stressors. 5. Defining meaningful projects. 6. More rewarding travel. 7. Financial independence. 8. Intellectual satisfaction. :thumbsup Only retired 2 months, and already enjoying every...
by whaleknives
Mon Mar 02, 2015 5:11 pm
 
Forum: Personal Consumer Issues
Topic: Retiree Poll: Satisfaction with retirement
Replies: 53
Views: 4003

Re: What source do you use for nursing care feedback?

I would try all the tools you've mentioned, but then for your short list:
  1. Ask some questions of the home health agency.
  2. Get a reference list of current clients and family contacts, and ask them about their experiences.
by whaleknives
Mon Mar 02, 2015 4:30 pm
 
Forum: Personal Consumer Issues
Topic: What source do you use for nursing care feedback?
Replies: 6
Views: 497

Re: IRS Called and Asked for Personal Information

whitepages.com lists (678) 530-6059 as a "BellSouth Landline in Atlanta, GA", if that sheds any light.
by whaleknives
Thu Feb 26, 2015 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Called and Asked for Personal Information
Replies: 16
Views: 1687

Re: Questions on 401(k) Dividend Distribution

Thanks - I can stop fixating on more hidden costs and fees. :D
by whaleknives
Tue Feb 24, 2015 7:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Questions on 401(k) Dividend Distribution
Replies: 2
Views: 141

Questions on 401(k) Dividend Distribution

I questioned my 401(k) provider on the 1/30/15 dividend for my Vanguard Total Bond Market Index Admiral shares (VBTLX), because I had recently rebalanced into the fund and the dividend seemed lower than expected. The response from the provider was that the monthly dividends are prorated, based on th...
by whaleknives
Tue Feb 24, 2015 7:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Questions on 401(k) Dividend Distribution
Replies: 2
Views: 141

Re: Will Admiral shares drop to Investor share?

Qualifying for Admiral Shares depends only on the number of shares in each fund in each account (see Admiral Shares). Flagship status doesn't seem to matter.
by whaleknives
Mon Feb 23, 2015 3:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Admiral shares drop to Investor share?
Replies: 6
Views: 1113

Re: No Apple in either of T. Rowe Price's technology funds

Both tech funds are growth funds, and T. Rowe Price doesn't think Apple qualifies: "As we noted in our last letter, we do not see a large growth driver for the company—and it would have to be a massive one given Apple's current valuation—beyond the iPhone 6. The company has been losing market s...
by whaleknives
Fri Feb 20, 2015 10:08 pm
 
Forum: Investing - Theory, News & General
Topic: No Apple in either of T. Rowe Price's technology funds
Replies: 2
Views: 407

Re: What is the median 401K worth?

"The median account size at Fidelity is just $24,600 (as of Dec 2014). "Fidelity's average 401(k) balance reached a record high of $91,300 at the end of 2014. That means there are a lot of high net worth accounts skewing the overall average far higher. Baby boomers, who are at or near ret...
by whaleknives
Thu Feb 19, 2015 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is the median 401K worth?
Replies: 8
Views: 2020

Re: Do you include an inflation estimate in your portfolio?

Inflation estimates are used in Retirement Spending Calculators to see what portfolio withdrawals are required for the spending you want, along with other income like your pensions and Social Security. Take a look at the Wiki calculator link above, and other Wiki entries on topics like the different...
by whaleknives
Sun Feb 15, 2015 11:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you include an inflation estimate in your portfolio?
Replies: 17
Views: 1409

Re: Vision and Dental Insurance Question

+1: 123 wrote:The big kahuna for dental insurance is Delta Dental.

This site is a start for individual dental (including Delta) and vision plans:
http://www.ehealthinsurance.com/

I'm currently on COBRA Delta for dental, and have always self-insured for vision, aside from eye exams under medical.
by whaleknives
Sat Feb 14, 2015 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vision and Dental Insurance Question
Replies: 28
Views: 1612

Re: How much is a pension worth?

This Single Premium Immediate Annuity ("SPIA") calculator has been recommended here in the past. You can enter either lump sum investment or monthly payment to obtain the other. https://www.immediateannuities.com/immediate-annuities/ One of the questions you'd have to ask these days is how...
by whaleknives
Sat Feb 14, 2015 5:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: How much is a pension worth?
Replies: 23
Views: 3620

Re: When 60/40 just isn't appropriate

<Edit: Sorry, that was "younger distributor", not "older accumulator"> Here's another source, that recommended 60/40 for the "younger distributor: John Bogle, on the page opposite his "Simple Rule of Thumb", described a more general "Basic Asset Allocation Mod...
by whaleknives
Sat Feb 07, 2015 5:49 pm
 
Forum: Investing - Theory, News & General
Topic: When 60/40 just isn't appropriate
Replies: 127
Views: 13513

Re: matrix or spreadsheet that calculates RMD risk?

You might be able to use this from the Wiki , even without Roth conversions: "Forum member BigFoot48 has created a spreadsheet, the Retiree Portfolio Model , for use by retirees or those nearing retirement, which will estimate the financial impact on your portfolio, income taxes, RMD and other ...
by whaleknives
Sat Feb 07, 2015 3:04 pm
 
Forum: Investing - Theory, News & General
Topic: matrix or spreadsheet that calculates RMD risk?
Replies: 1
Views: 221

Re: Difference between an "exemption" and a "deduction?"

How about the fact that deductions depend on your circumstances and you have to have back up documentation? Exemptions are given as a consequence of being. +1. It's a difference in name only, based on the reasoning that exemptions were meant to provide a minimum untaxed income, while deductions ass...
by whaleknives
Sat Feb 07, 2015 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: Difference between an "exemption" and a "deduction?"
Replies: 11
Views: 774

Re: Vanguard Total Bond - Not reccomended by Swedroe??

Vanguard lists Commercial Mortgage-Backed as 2.3% and Government Mortgage-Backed as 13.4% (as of 12/31/14) for a total Mortgage-Backed of 15.7%, less than the 1/3 quoted. Amazon has the book published in 2006; what date is your copy? Distribution by issuer (% of fund) as of 12/31/2014 Total Bond Mkt...
by whaleknives
Fri Feb 06, 2015 3:27 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Total Bond - Not reccomended by Swedroe??
Replies: 23
Views: 3830

Re: Stock/Bond Ratio

by whaleknives
Wed Feb 04, 2015 9:41 pm
 
Forum: Investing - Theory, News & General
Topic: Stock/Bond Ratio
Replies: 24
Views: 2283

Re: Portfolio Question - How is the best way for me to alloc

Here's a November thread on Tony Robbins and Money: Master the Game , with a detailed analysis by daffyd ( https://www.bogleheads.org/forum/viewtopic.php?f=10&t=147554&start=50#p2267891 ). A January New York Times article said that he was recommending annuities that don't exist: Slippery Tip...
by whaleknives
Sat Jan 31, 2015 7:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Question - How is the best way for me to allocate?
Replies: 19
Views: 1889

Re: Searching with google while using Safari

What exactly determines whether the string of characters I type is to be handled as a search or a URL? URL address bars and bookmarks seem to get smarter all the time. Many browsers will go directly to a web site if the letters match an existing domain, even without the http:// prefix. Foxfire does...
by whaleknives
Thu Jan 29, 2015 8:03 pm
 
Forum: Personal Consumer Issues
Topic: Searching with google while using Safari
Replies: 31
Views: 1355

Re: Searching with google while using Safari

If I'm already in a browser (Safari on iPhone or Firefox on PC), I'll open a new window or tab and search with the address bar.
by whaleknives
Thu Jan 29, 2015 5:36 pm
 
Forum: Personal Consumer Issues
Topic: Searching with google while using Safari
Replies: 31
Views: 1355

Re: Chaos, complexity and entropy simplified

protagonist wrote:. . . the 21st century trend is towards considering "information" more fundamental than concepts such as matter or energy.

That might be the consensus of the basket weavers, but it won't keep your lights on.:)
by whaleknives
Tue Jan 27, 2015 6:06 pm
 
Forum: Investing - Theory, News & General
Topic: Chaos, complexity and entropy [for non-physicists]
Replies: 113
Views: 7427

Re: Chaos, complexity and entropy simplified

I'm sorry, but entropy is a physical property, like temperature and pressure, useful for describing power cycles using steam and gas turbines. You might as well fantasize about heat of vaporization. http://upload.wikimedia.org/wikipedia/commons/thumb/2/24/Ts-rankine.svg/615px-Ts-rankine.svg.png
by whaleknives
Tue Jan 27, 2015 1:54 pm
 
Forum: Investing - Theory, News & General
Topic: Chaos, complexity and entropy [for non-physicists]
Replies: 113
Views: 7427

Re: seiko divers watch

I had an early waterproof digital Seiko in the late 70's, that is now on the bottom of the French Broad River. You have to watch out for those spring pins! I have been happy with Timex digital watches since. :)
by whaleknives
Fri Jan 23, 2015 6:59 pm
 
Forum: Personal Consumer Issues
Topic: seiko divers watch
Replies: 8
Views: 642

Re: Quicken Social Security Optimizer $50 "Add-On"

Have you seen this post by ThePrune on Social Security calculators? I thought SSAnalyze by Bedrock Capital was helpful.

Or you could follow sscritic's directions for your own spreadsheet. :)
by whaleknives
Thu Jan 22, 2015 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken Social Security Optimizer $50 "Add-On"
Replies: 9
Views: 2147

Re: 7 nights- Scotland or Ireland?

I shared a Donegal hostel with a Scot who preferred to vacation in Ireland, since the popular recreation areas were less crowded. I don't know if that's changed since the 70's.
by whaleknives
Mon Jan 19, 2015 11:59 am
 
Forum: Personal Consumer Issues
Topic: 7 nights- Scotland or Ireland?
Replies: 31
Views: 2067
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