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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: 595

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: 1
Views: 318

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: 1983

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: 817

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: 2295

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: 2647

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: 2647

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: 3360

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: 2813

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: 2503

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: 13880

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: 1790

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: 1097

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: 2927

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: 1124

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: 2293

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: 9218

"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: 979

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: 4992

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: 1558

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: 1954

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: 2122

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: 3035

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: 478

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: 19215

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: 4570

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: 5180

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: 12186

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: 1197

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: 1197

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: 957

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: 1135

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: 7030

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: 3231

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: 2054

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: 1400

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: 1400

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: 5806

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: 3663

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: 2349

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: 2349

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: 2830

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: 6317

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: 4912

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: 76704

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: 3025

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: 2323

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: 2352
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