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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: 1625

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: 123

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: 123

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: 1078

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: 392

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: 1957

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: 1330

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: 1518

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: 3467

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: 13034

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: 215

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: 767

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: 3759

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: 2246

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: 1832

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: 1338

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: 1338

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: 7206

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: 7206

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: 633

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: 1916

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: 2053

Re: MS OneNote and other note software

File > Options > Save & Backup will show you the backup folder where OneNote automatically copies each Section as a Note file, titled with the first page. Mine is C:\Users\Owner\AppData\Local\Microsoft\OneNote, and the folders AppData and following were hidden files. When you open the file, you...
by whaleknives
Wed Jan 14, 2015 7:26 pm
 
Forum: Personal Consumer Issues
Topic: MS OneNote and other note software
Replies: 6
Views: 830

Re: Transcendental meditation

If you mean meditation as taught by the Maharishi Mahesh Yogi, then I'd try another school. A roommate attended a seminar c. 1972 and said the practitioners claimed they could levitate. They couldn't.
by whaleknives
Tue Jan 06, 2015 10:09 pm
 
Forum: Personal Consumer Issues
Topic: Transcendental meditation
Replies: 38
Views: 2335

Re: Poll: Favorite Coping Strategies for Volatility

Looking at charts greater than 1 year out help me remember it's just noise, and I do something else, and I stay the course.
by whaleknives
Tue Jan 06, 2015 9:59 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Favorite Coping Strategies for Volatility
Replies: 41
Views: 2671

Poll: Favorite Coping Strategies for Volatility

The headlines shout "Fasten your seatbelts - heightened volatility on the horizon, the sky is falling!" On September 30, 1859 , Abraham Lincoln included a similar story in an address before the Wisconsin State Agricultural Society in Milwaukee: It is said an Eastern monarch once charged hi...
by whaleknives
Tue Jan 06, 2015 1:05 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Favorite Coping Strategies for Volatility
Replies: 41
Views: 2671

Re: when do you start focusing on your retirement "number"

It can be a process done slowly over time. For decades I've been estimating retirement income from savings and Social Security with programs like Financial Engines through Vanguard and FIRECalc , and tracking expenses (without a formal budget) using Quicken. Over time you'll change and refine your m...
by whaleknives
Sat Dec 27, 2014 11:22 am
 
Forum: Investing - Help with Personal Investments
Topic: when do you start focusing on your retirement "number"
Replies: 34
Views: 3426

Re: Poll: Include Pensions/SS/Annuities in NW Calculations?

I include a pension's lump sum value, because I will be rolling it over to a traditional IRA rather than taking payments. I do not include Social Security, for the same reason.
by whaleknives
Wed Dec 24, 2014 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Include Pensions/SS/Annuities in NW Calculations?
Replies: 50
Views: 2884

Re: Roth IRA is not completely free of tax considerations?

Existing Roth IRA of S&P 500 fund. Yes that I will sell some of this to put into money market sweep account in Vanguard brokerage and then buy individual stock with it. And the representative did seem to say that would trigger capital gains. And maybe other taxes. Are you buying your stocks ins...
by whaleknives
Sat Dec 13, 2014 5:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA is not completely free of tax considerations?
Replies: 19
Views: 2517

Re: Is it safe to leave Laptop in hotel room

You've started a new thread! "Is it Safe to Store My Laptop in a Car Trunk? MIT recommends "Do not subject your laptop to extreme climates or lock the laptop in your car's trunk for long periods of time." What's your laptop's storage temperature range? Wouldn't it be nice if someone h...
by whaleknives
Sat Dec 06, 2014 1:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it safe to leave Laptop in hotel room
Replies: 65
Views: 13924

Re: Poll: Do you ask questions at company 401(k) meetings?

No routine meetings since our company of about 3000 started a 401(k) 11 years ago. Meetings at the start of the 401(k), when employee contributions changed from pension to 401(k), and meetings when employer pension contributions ended, but no routine meetings. I've been waiting since 12/1/14 to see ...
by whaleknives
Fri Dec 05, 2014 6:32 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you ask questions at company 401(k) meetings?
Replies: 25
Views: 1809

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: 1120

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: 2972

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: 1151

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: 2342

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: 82
Views: 9334

"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: 997

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: 5151

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: 1575

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: 12
Views: 1977

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: 2154

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: 3052

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: 482

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: 19521

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: 4669

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: 5230

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: 119
Views: 12374

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: 1211
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