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Re: Starting an RIA

Andymoler58 wrote:Hi, I am new to this site and wanted to throw this out there.

Have you seen the Wiki section Getting Started? It will tell you more about the forum's philosophy.
by whaleknives
Tue Apr 22, 2014 9:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Starting an RIA
Replies: 28
Views: 1618

Re: Is social security a good investment?

Most people who ask this question don't know what Social Security includes. Are you asking about all of SS or just one part? P.S. If you are not careful, this thread will become political and either get locked or disappear. All the parts, I suppose. I'm interested from the perspective of analyzing ...
by whaleknives
Tue Apr 22, 2014 1:06 pm
 
Forum: Investing - Theory, News & General
Topic: Is social security a good investment?
Replies: 33
Views: 1330

Re: Need living expenses w/o withdrawing from 401k. Advice?

whaleknives wrote:See whether your 401(k) plan provides for a loan against your account, and compare its costs (interest and fees) to an early withdrawal penalty.

And don't forget to add income taxes to the early withdrawal costs.
by whaleknives
Tue Apr 22, 2014 10:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Need living expenses w/o withdrawing from 401k. Advice?
Replies: 6
Views: 633

Re: Need living expenses w/o withdrawing from 401k. Advice?

See whether your 401(k) plan provides for a loan against your account, and compare its costs (interest and fees) to an early withdrawal penalty.
by whaleknives
Mon Apr 21, 2014 11:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need living expenses w/o withdrawing from 401k. Advice?
Replies: 6
Views: 633

Re: Starting an RIA

Index fund investing is a safe strategy but it's not the best though. You can beat the indexes, especially on a risk adjusted basis, by buying individual stocks. You also get the benefits of a divided stream and tax loss harvesting doing it this way. My first thought was, have you seen this recent ...
by whaleknives
Mon Apr 21, 2014 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Starting an RIA
Replies: 28
Views: 1618

Re: looking at the 3 fund approach....2.3% 5 yr return ???

Which leads me to ask, does anyone know of an easy way to look at growth charts for custom portfolios? That would be a better way to look at performance.
by whaleknives
Sun Apr 20, 2014 10:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: looking at the 3 fund approach....2.3% 5 yr return ???
Replies: 19
Views: 2352

Re: looking at the 3 fund approach....2.3% 5 yr return ???

Your number looks like YTD. The 5-year portfolio weighted average is 13.68%, according to Vanguard: Portfolio 5-year Total Bond Market Index 40% 4.60% Total International Stock Index 20% 15.36% Total Stock Market Index 40% 21.93% Average annual return 13.68% as of 03/30/2014 https://investor.vanguar...
by whaleknives
Sun Apr 20, 2014 10:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: looking at the 3 fund approach....2.3% 5 yr return ???
Replies: 19
Views: 2352

Re: Quicken - Investment expenses?

. . . Miscellaneous expense paid from the account (MiscExp), or paid from another account (MiscExpX). This is exactly what I want. However, again, I don't see that as an option in my Action field. Anyone else see it? Yes, they're available in my version (Quicken Premier 2013 Release R 12 [22.1.12.7...
by whaleknives
Sun Apr 20, 2014 6:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken - Investment expenses?
Replies: 6
Views: 274

Re: What % of stock market "drive" is gambling?

Does this sound familiar? "In any game where returns are highly volatile, and there is a reasonable expectation that skill plays a role, delusions of expertise may come into play," comments Browne, who adds, "In horse betting in particular, it appears that a gambler may easily be misl...
by whaleknives
Wed Apr 16, 2014 2:48 pm
 
Forum: Investing - Theory, News & General
Topic: What % of stock market "drive" is gambling?
Replies: 36
Views: 3463

Re: What % of stock market "drive" is gambling?

I'm wondering whether there's any way to approach the question objectively. Rather than risk vs. return, the key might be the likelihood at all of a positive return over time. Risk can be situational. Day trading has been placed in the gambling category, but is high frequency trading gambling, if y...
by whaleknives
Mon Apr 14, 2014 11:16 am
 
Forum: Investing - Theory, News & General
Topic: What % of stock market "drive" is gambling?
Replies: 36
Views: 3463

Re: How can "value beats growth" be a rule?

Did you see "A Chance for a Market’s Wallflowers to Bloom" in yesterday's New York Times ? "Why would such an anomaly persist? Professor Greenwald points to what is known as the “lottery preference.” People 'will always overpay to try to get rich quick.' " The article, which quot...
by whaleknives
Sun Apr 13, 2014 12:51 pm
 
Forum: Investing - Theory, News & General
Topic: How can "value beats growth" be a rule?
Replies: 21
Views: 1354

Re: SS Spouse Benefit with Early Filing

. . . If the high earner claims first, the low earner claiming early will be applying for both old-age and spouse benefits at the same time (presumed or deemed filing). The formula is own PIA reduced for being early plus the difference between half the high earner's PIA and own PIA, that difference...
by whaleknives
Mon Apr 07, 2014 10:16 pm
 
Forum: Investing - Theory, News & General
Topic: SS Spouse Benefit with Early Filing
Replies: 7
Views: 305

Re: SS Spouse Benefit with Early Filing

But the lower earner is younger - how can you be deemed to file at 61 years or younger?
by whaleknives
Mon Apr 07, 2014 9:55 pm
 
Forum: Investing - Theory, News & General
Topic: SS Spouse Benefit with Early Filing
Replies: 7
Views: 305

SS Spouse Benefit with Early Filing

I've reviewed the SS web pages on spouse benefits ( here and here ), and sscritic's classic summary , but none of the descriptions and examples seem to address early filing by the higher earner. If the higher earner starts payments at 62 (FRA of 66), what happens to the spouse benefits, if they are ...
by whaleknives
Mon Apr 07, 2014 9:36 pm
 
Forum: Investing - Theory, News & General
Topic: SS Spouse Benefit with Early Filing
Replies: 7
Views: 305

Re: Time for Internet Explorer 11?

You're obviously not married to a Luddite.
by whaleknives
Sun Apr 06, 2014 12:08 pm
 
Forum: Personal Consumer Issues
Topic: Time for Internet Explorer 11?
Replies: 19
Views: 1140

Re: Time for Internet Explorer 11?

I've been using Explorer 11 since May 2013, but only to access work-related programs through Citrix. (I normally use Firefox.) The only problem I've had with Explorer 11 is a lack of downward compatibility, with some 3rd-party web sites still requiring earlier versions. My work-around is to use 11 t...
by whaleknives
Sun Apr 06, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: Time for Internet Explorer 11?
Replies: 19
Views: 1140

Re: Where is the Vanguard 03/31/2014 statement?

I'm sorry - based on my evidence, there are no 2014 statements, and Schroedinger's cat is

Image
by whaleknives
Sat Apr 05, 2014 9:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Where is the Vanguard 03/31/2014 statement?
Replies: 32
Views: 2055

Re: Receiving junk texts and cell phone messages

I don't know how to stop them, but your cell provider might offer a free service to block them, like Verizon:

    "Block a number: Prevent up to 5 phone numbers from contacting you for up to 90 days."
It's worked for me.
by whaleknives
Mon Mar 31, 2014 4:25 pm
 
Forum: Personal Consumer Issues
Topic: Receiving junk texts and cell phone messages
Replies: 14
Views: 721

Re: ORP and Roth Conversions

Mr. Welch's response: The formulation deficiency, that I thought was there, wasn't. Take a look at this test case: Age TaxDef AfterTax RothIRA IRA2Roth IRA2Aftx SocSec Taxes Spending 065 99 101 0 81 0 0 18 101 066 79 95 0 79 0 27 18 103 067 81 97 0 81 0 27 19 106 068 83 100 0 83 0 28 19 108 069 85 1...
by whaleknives
Mon Mar 24, 2014 8:29 pm
 
Forum: Investing - Theory, News & General
Topic: ORP and Roth Conversions
Replies: 2
Views: 409

Re: Anyone been to Singapore?

I enjoyed the Tiger Balm Gardens (now Haw Par Villa ), including a Hinayana Buddhist "Ten Courts of Hell", like a diorama of an Asian "Garden of Earthly Delights" by Hieronymus Bosch, or Dante's "Inferno". But then I was 13 years old. I find people comparing notes on tr...
by whaleknives
Sun Mar 23, 2014 9:47 pm
 
Forum: Personal Consumer Issues
Topic: Anyone been to Singapore?
Replies: 23
Views: 1725

ORP and Roth Conversions

I've been using the i-ORP calculator to look at retirement distributions from multiple accounts ( Wiki ). For early traditional IRA-to-Roth conversions while delaying Social Security ( Wiki and reference ), the calculator pays taxes from the tIRA, even if after-tax funds are available. I know the ca...
by whaleknives
Sun Mar 23, 2014 4:43 pm
 
Forum: Investing - Theory, News & General
Topic: ORP and Roth Conversions
Replies: 2
Views: 409

Re: Are Rheem gas water heaters good quality?

I think all manufacturers make cheap and quality water heaters, to be competitive. I think you get what you pay for.
by whaleknives
Sun Mar 16, 2014 7:09 pm
 
Forum: Personal Consumer Issues
Topic: Are Rheem gas water heaters good quality?
Replies: 16
Views: 1415

Re: Do I need bond funds if I have real estate?

REIT funds are structured to give share owners the profits of both real estate ownership and income. I don't see a great difference, except that personal ownership is probably less diversified. :)
by whaleknives
Sat Mar 15, 2014 6:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I need bond funds if I have real estate?
Replies: 14
Views: 938

Re: Do I need bond funds if I have real estate?

The Wiki says "REITs, due to the risks involved, should be treated as equity even though they have income-producing characteristics similar to bonds.":

Image
by whaleknives
Sat Mar 15, 2014 4:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I need bond funds if I have real estate?
Replies: 14
Views: 938

Re: What to put in a taxable account.

This link might work better: Principles of tax-efficient fund placement. I have Vanguard Total International Stock Admiral (VTIAX) and Vanguard Total Stock Admiral (VTSAX) in taxable.
by whaleknives
Sat Mar 15, 2014 3:59 pm
 
Forum: Investing - Theory, News & General
Topic: What to put in a taxable account.
Replies: 9
Views: 909

Re: How did you get through the market crash in 08-09

Continued to max my 60/40 stock/bond 401(k) with payroll deductions. I've shown this history to my kids, encouraging them to start early and not stop. :)

Image
by whaleknives
Sun Mar 09, 2014 11:47 pm
 
Forum: Investing - Theory, News & General
Topic: How did you get through the market crash in 08-09
Replies: 104
Views: 5452

Re: Poll: Do you use the Amazon link here to make purchases?

No, I go to an Amazon employee's site to credit her. (Voted "Other".)
by whaleknives
Sat Mar 08, 2014 5:13 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Do you use the Amazon link here to make purchases?
Replies: 24
Views: 1215

Re: index versus actively managed funds - a case study

Whaleknives asked "Can you give us an idea of the relative transactions between the accounts?" I'm not sure I understand the question. Both accounts are "buy and hold" (so far). The additional active trading that resulted in your increased taxes for "ordinary dividends, qua...
by whaleknives
Fri Mar 07, 2014 8:45 pm
 
Forum: Investing - Theory, News & General
Topic: index versus actively managed funds - a case study
Replies: 10
Views: 1329

Re: index versus actively managed funds - a case study

Whaleknives asked "Can you give us an idea of the relative transactions between the accounts?" I'm not sure I understand the question. Both accounts are "buy and hold" (so far). The additional active trading that resulted in your increased taxes for "ordinary dividends, qua...
by whaleknives
Fri Mar 07, 2014 8:06 pm
 
Forum: Investing - Theory, News & General
Topic: index versus actively managed funds - a case study
Replies: 10
Views: 1329

Re: index versus actively managed funds - a case study

darrellr - Even comparing apples to oranges, I think you have a good demonstration of the increased trading costs in a more active "active" fund. Can you give us an idea of the relative transactions between the accounts?
by whaleknives
Fri Mar 07, 2014 10:58 am
 
Forum: Investing - Theory, News & General
Topic: index versus actively managed funds - a case study
Replies: 10
Views: 1329

Re: your lowest exspense ratio fund in 401

You must mean "0.05% or less". :)
by whaleknives
Fri Mar 07, 2014 10:42 am
 
Forum: Personal Finance (Not Investing)
Topic: your lowest exspense ratio fund in 401
Replies: 31
Views: 1572

Re: Limits on Electronic Funds Transfers?

Maximum dollar limit for ACH transfer?
You'll have to call both Vanguard and the institution you're transferring from.
by whaleknives
Sat Mar 01, 2014 1:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Limits on Electronic Funds Transfers?
Replies: 7
Views: 375

Re: Negative air pressure? [Room ventilation]

You will be fine. . . "Positive" and "negative" pressure are used to describe the relative fan supply and return from a space. If supply is greater than return, then positive; if supply is less than return, then negative. Air not returned is either forced out (transfer grille, d...
by whaleknives
Sat Mar 01, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: Negative air pressure? [Room ventilation]
Replies: 16
Views: 755

Re: Nice couches are pricey, where I can get them for less?

Look at high-end futons, with nice wood frames and inner spring mattresses, then splurge on a custom slipcover.
by whaleknives
Sun Feb 16, 2014 11:38 pm
 
Forum: Personal Consumer Issues
Topic: Nice couches are pricey, where I can get them for less?
Replies: 43
Views: 3133

Re: What is the usual time to do your taxes?

Filed federal and state on 1/25/14 this year, although I started on TurboTax after 12/31/13. My mailed W-2 was the final form; all others are available to me on-line.
by whaleknives
Tue Feb 11, 2014 9:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is the usual time to do your taxes?
Replies: 29
Views: 1881

Re: Umm....anyone else notice aggressive new online ads?

Do you use a Firefox Add-on like Adblock Plus? I don't see any ads at all, signed on to Yahoo or Google.
by whaleknives
Sun Feb 09, 2014 8:07 pm
 
Forum: Personal Consumer Issues
Topic: Umm....anyone else notice aggressive new online ads?
Replies: 14
Views: 1002

Re: My kids want a treehouse -

We got away assembling a modest wooden set like this . . .
Image
but it didn't keep our younger daughter from climbing and hanging upside down from much higher trees!
by whaleknives
Sun Feb 09, 2014 2:10 pm
 
Forum: Personal Consumer Issues
Topic: My kids want a treehouse -
Replies: 36
Views: 2538

Re: omg, did I miss the buying opportunity in stocks?

livesoft wrote:. . . I rebalanced on Monday when I hit my rebalancing bands and again on Friday when I hit my rebalancing bands.

Whereas rebalancing with new savings is like watching paint dry. And the market movements are winning. :)
by whaleknives
Sat Feb 08, 2014 2:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: omg, did I miss the buying opportunity in stocks?
Replies: 54
Views: 6422

Re: The Gecko cost me a lot of $. How often to switch car in

It's important to consider not only premium cost but also provider performance. +1. Allstate's game is to pay based on their own estimates, then leave you to find a body shop that will do the work for their price. I've actually seen a sign on a shop wall stating that the business would not do work ...
by whaleknives
Sat Feb 08, 2014 2:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Gecko cost me a lot of $. How often to switch car ins?
Replies: 78
Views: 7696

Re: AARP Membership?

I've found the National Park Service/Forest Service/Bureau of Land Management Senior Pass to be as good as AARP for senior motel discounts. You have to be 62, but it's a one-time $10 fee. The motel clerks seem to be looking for any excuse to give you the discount.
by whaleknives
Sun Feb 02, 2014 3:57 pm
 
Forum: Personal Consumer Issues
Topic: AARP Membership?
Replies: 33
Views: 1578

Re: Cost Analysis: Living in CA vs the South

A site like this might help compare costs.
by whaleknives
Thu Jan 30, 2014 12:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Cost Analysis: Living in CA vs the South
Replies: 79
Views: 5510

Re: Do Bogleheads see this market dip as a buying point?

livesoft wrote:. . . Folks doing the DCA thing, should use this dip to accelerate the DCA thing.
Sorry, I'm still rebalancing into bonds. :)
by whaleknives
Sun Jan 26, 2014 11:34 pm
 
Forum: Investing - Theory, News & General
Topic: Do Bogleheads see this market dip as a buying point?
Replies: 127
Views: 13434

Re: "Oldies" for young people - what's popular?

Possibly from internet streaming radio like Pandora : "With Pandora you can explore this vast trove of music to your heart's content. Just drop the name of one of your favorite songs, artists or genres into Pandora and let the Music Genome Project go. It will quickly scan its entire world of an...
by whaleknives
Sun Jan 26, 2014 10:32 pm
 
Forum: Personal Consumer Issues
Topic: .....
Replies: 38
Views: 3242

Re: 401k or IRA

You can roll your old 401(k)'s into a new employer's 401(k) or an IRA in a personal account with Fidelity or another investment firm. Vanguard discusses it here: See if a 401(k) rollover is right for you : "What you can do ⋅ Move a traditional 401(k) into a traditional IRA, tax-free. ...
by whaleknives
Sun Jan 26, 2014 8:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k or IRA
Replies: 7
Views: 483

Re: very long term perspective

Very nice. How about U.S. Small Cap since 1789? This raises all kinds of style drift questions. :)
by whaleknives
Sun Jan 26, 2014 8:13 pm
 
Forum: Investing - Theory, News & General
Topic: very long term perspective
Replies: 13
Views: 1194
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