Search found 426 matches

by whaleknives
Sun Jul 05, 2015 1:53 pm
Forum: Investing - Theory, News & General
Topic: Recession watch: The yield curve
Replies: 19
Views: 1569

Re: Recession watch: The yield curve

. . . tracking the yield curve: . . . Here are the recession probability ranges and portfolio considerations I work with. Your's will likely look different based on your risk tolerance: SIGNALS CHART from "spread" , i.e. 10 Yr T-Bond yield minus (-) 3 mo T-bill yield ⋅ "Spr...
by whaleknives
Sun Jul 05, 2015 11:22 am
Forum: Investing - Theory, News & General
Topic: Chinese Move to Stabilize Stock Market
Replies: 12
Views: 967

Re: Chinese Move to Stabilize Stock Market

" What is the investor profile behind China’s equity market? Retail punters account for 80-90 per cent of trading in the Chinese equity markets. Many of them are new to investing — in May alone 12m trading accounts were opened. That means millions of people trading stocks have little or no dire...
by whaleknives
Fri Jul 03, 2015 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Penfed ACH limits
Replies: 8
Views: 817

Re: Penfed ACH limits

It seems low, whether 1 or 3 business days, but the rules don't seem uniform, either: Maximum dollar limit for ACH transfer?. "More what you'd call 'guidelines'."
by whaleknives
Thu Jul 02, 2015 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: How do you determine your personal glide path?
Replies: 22
Views: 2055

Re: How do you determine your personal glide path?

Have you seen the Wiki's entry on Asset Allocation ? Because you're really asking how do you adjust your asset allocation over time, when some of the factors that went into you earlier decision may have changed. Factors like "investment time horizon, financial capacity, and emotional capacity t...
by whaleknives
Thu Jul 02, 2015 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Calculator for late starters
Replies: 19
Views: 1773

Re: Social Security Calculator for late starters

. . . The offline one doesn't work on Mac, I'll try it next week-end on my Windows machine. As this thread continues, I'm learning more about inflation indexing ( Indexing Factors For Earnings ) and AnyPia. Thank you OutInThirteen and Phineas J. Whoopee! mistike - I wanted to follow up on two thing...
by whaleknives
Wed Jul 01, 2015 11:05 pm
Forum: Investing - Theory, News & General
Topic: The Fund Name is Not Enough
Replies: 23
Views: 1582

Re: The Fund Name is Not Enough

More proof that you have to dig deeper: "The Oppenheimer Rochester Maryland Municipal Fund, for example, held more Puerto Rico bonds than Maryland bonds as of May 31: 49.7 percent compared with 45.3 percent." "The Bonds that Broke Puerto Rico" , New York Times What did you expec...
by whaleknives
Wed Jul 01, 2015 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Calculator for late starters
Replies: 19
Views: 1773

Re: Social Security Calculator for late starters

⋅  AnyPia allows you to enter different annual earnings (including zero) for each year between now and starting Social Security. But does it allow you to enter 0's between the start of your career and now ? Does that even make a difference ? AnyPia will allow you to specify a range of yea...
by whaleknives
Wed Jul 01, 2015 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Rolling from Vanguard to another institution - unsatisfactory service
Replies: 16
Views: 1426

Re: Rolling from Vanguard to another institution - unsatisfactory service

I feel your pain. I've rolled over a 401(k) and a pension this year. The 401(k) was managed by Great-West (now Empower), who had their withdrawal form on their website. They had a habit of only communicating through my past employer when there was a problem. The pension was managed by Principal. The...
by whaleknives
Wed Jul 01, 2015 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Calculator for late starters
Replies: 19
Views: 1773

Re: Social Security Calculator for late starters

So what do you think of this SS calculator? http://www.bedrockcapital.com/ssanalyze/ It's listed in the Wiki , well ranked, and provided reasonable scenarios for me. But it's intended more to help find an optimum filing stategy, rather than estimate benefits for early retirement with a period of lo...
by whaleknives
Wed Jul 01, 2015 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: Is a large emergency fund needed after 59 1/2
Replies: 25
Views: 2765

Re: Is a large emergency fund needed after 59 1/2

Thanks for all the input. I have spent the last 30+ years thinking about my 401K/tIRA/ROTH as "untouchable". I am going through the process of thinking through the implications of that changing status. And yes, I am still working, likely until 63-65 (still have a substantial balance on my...
by whaleknives
Wed Jul 01, 2015 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Rolling from Vanguard to another institution - unsatisfactory service
Replies: 16
Views: 1426

Re: Rolling from Vanguard to another institution - unsatisfactory service

Under "Forms (top header) > Buy or Sell > Sell shares of an existing account > Distributions from a Vanguard® IRA (Take a one time distribution from your Vanguard IRA)", there is an online or View & Print pdf form that includes the option to " Rollover to an employer plan (IRS dis...
by whaleknives
Wed Jul 01, 2015 8:12 pm
Forum: Investing - Theory, News & General
Topic: excellent summary of the Greek crisis by U of Chicago Professor
Replies: 45
Views: 7031

Re: excellent summary of the Greek crisis by U of Chicago Professor

". . . First, and probably most importantly, countries such as Italy, Portugal, Spain, and Ireland, had all had to undertake similar types of adjustment as in Greece. None of them saw their economies collapse to the extent of Greece, but unemployment especially among the young is also high in ...
by whaleknives
Wed Jul 01, 2015 5:57 pm
Forum: Investing - Theory, News & General
Topic: The Fund Name is Not Enough
Replies: 23
Views: 1582

Re: The Fund Name is Not Enough

I don't buy munis, and maybe this isn't unusual, but it doesn't seem like a "Maryland" fund. The prospectus goal was probably income not subject to federal or Maryland state tax. Puerto Rico bonds fit that bill as well as Maryland bonds, except for the nasty difference in quality. If you ...
by whaleknives
Wed Jul 01, 2015 5:16 pm
Forum: Investing - Theory, News & General
Topic: The Fund Name is Not Enough
Replies: 23
Views: 1582

Re: The Fund Name is Not Enough

It doesn't take long to read a prospectus. I guess a lot of people don't bother. blink. blink. What prospectus are you reading? Most prospectus that I read and long, dense, and are written by lawyers to conform to SEC regulations and prevent lawsuits - not to inform the average investor. I have see...
by whaleknives
Wed Jul 01, 2015 4:44 pm
Forum: Investing - Theory, News & General
Topic: The Fund Name is Not Enough
Replies: 23
Views: 1582

The Fund Name is Not Enough

More proof that you have to dig deeper:

    "The Oppenheimer Rochester Maryland Municipal Fund, for example, held more Puerto Rico bonds than Maryland bonds as of May 31: 49.7 percent compared with 45.3 percent."
    "The Bonds that Broke Puerto Rico", New York Times
by whaleknives
Wed Jul 01, 2015 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Calculator for late starters
Replies: 19
Views: 1773

Re: Social Security Calculator for late starters

. . . It sounds like the online calculators would work for you, either ⋅ the mySocialSecurity estimate, if your future earnings will be similar to last year, or ⋅ the Retirement Estimator , which allows you to adjust the annual earnings estimate at a future date enter a single a...
by whaleknives
Tue Jun 30, 2015 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Calculator for late starters
Replies: 19
Views: 1773

Re: Social Security Calculator for late starters

Thanks, I'll check it out. I did try the online one. To be clear, the "issue" is not retiring early, it's starting contributions late in my career - I'm an immigrant, and I arrived in the US at 38, so I'm planning on retiring long before I reach 35 years of work in the US :) It sounds lik...
by whaleknives
Tue Jun 30, 2015 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Intentional 401k overcontribution to get new employer match
Replies: 31
Views: 1556

Re: Intentional 401k overcontribution to get new employer match

It doesn't look promising: IRS Retirement Topics - 401(k) and Profit-Sharing Plan Contribution Limits "Generally, you aggregate all elective deferrals you made to all plans in which you participate to determine if you have exceeded these limits. If a plan participant’s elective deferrals are mo...
by whaleknives
Tue Jun 30, 2015 12:25 pm
Forum: Investing - Theory, News & General
Topic: excellent summary of the Greek crisis by U of Chicago Professor
Replies: 45
Views: 7031

Re: excellent summary of the Greek crisis by U of Chicago Professor

Here are two other economists writing about Greece: http://krugman.blogs.nytimes.com/2015/06/19/does-greece-need-more-austerity/ http://graphics8.nytimes.com/images/2015/06/19/opinion/061915krugman1/061915krugman1-tmagArticle.png http://www.marketwatch.com/story/europes-war-on-greek-democracy-2015-0...
by whaleknives
Tue Jun 30, 2015 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Contribution Deadline
Replies: 2
Views: 217

Re: 401k Contribution Deadline

The deadline for 401k contributions is the end of the calendar year (December 31). You can contribute to a Roth IRA up to the tax filing deadline. :thumbsup So for me this meant adjusting my contribution percentage to be at or above the maximum close to but before my last paycheck. Payroll would no...
by whaleknives
Tue Jun 30, 2015 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Calculator for late starters
Replies: 19
Views: 1773

Re: Social Security Calculator for late starters

Have you checked the one on the Social Security web site? It uses your actual earning history. They have several, a web version and a more advanced one, AnyPia, that you download an run on your computer. It looks like you need to go all the way to downloading AnyPia, if you want to do more than zer...
by whaleknives
Tue Jun 30, 2015 11:46 am
Forum: Investing - Theory, News & General
Topic: On your deathbed will you say "darn, I wish I had invested in smart-beta"?
Replies: 11
Views: 1369

Re: On your deathbed will you say "darn, I wish I had invested in smart-beta"?

toto238 wrote:Deathbed? I'm not planning on any deathbed.
I'm going to live forever.
Or die trying.

Or as NAVigator said, "My plan is to be immortal. So far, it's working."
by whaleknives
Tue Jun 30, 2015 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Unknown phone calls
Replies: 54
Views: 3511

Re: Unknown phone calls

Maybe it's been said, but Nomorobo only works with a VOIP phone, not a traditional landline. Not so. It's working right now on my Verizon FIOS landline. It should work on any provider where you can activate simultaneous ring. https://www.nomorobo.com/ Verizon FIOS is VOIP over your landline: "...
by whaleknives
Tue Jun 30, 2015 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Using an Ally savings account from Vanguard
Replies: 13
Views: 1671

Re: Using an Ally savings account from Vanguard

Unlike my instantaneous online credit union transfers (checking <-> savings), manual Ally <-> Vanguard transfers are leisurely: one day for VG sale or exchange, one day for VG transfer, one day for Ally posting. I don't know if automatic transfers could be faster by combining operations. Per Vanguar...
by whaleknives
Mon Jun 29, 2015 3:34 pm
Forum: Personal Consumer Issues
Topic: Propane Oven Makes Me Sick
Replies: 19
Views: 1133

Re: Propane Oven Makes Me Sick

Ovens designed and listed (tested by the American Gas Association, U.L., or others) for unvented use are, as you'd expect, not required to be vented ( National Fuel Gas Code NFPA 54, Section 12.3.2 ). Did you notice any new smells when using the oven? CO would be odorless, but this manufacturer's ma...
by whaleknives
Mon Jun 29, 2015 10:57 am
Forum: Investing - Theory, News & General
Topic: The next Lehman - this week? [Greek default]
Replies: 155
Views: 14439

Re: The next Lehman - this week? [Greek default]

. . . Australian banks don't have any great exposure - I would suspect the drops are connected to this weekends news from China. US banks on the other hand... Scroll through this for a look: http://www.theguardian.com/world/datablog/2015/jun/19/the-greek-debt-what-creditors-may-stand-to-lose . . . ...
by whaleknives
Sun Jun 28, 2015 11:21 pm
Forum: Investing - Theory, News & General
Topic: The next Lehman - this week? [Greek default]
Replies: 155
Views: 14439

Re: The next Lehman - this week? [Greek default]

Interesting article here. I didn't realize that only 20% of the debt is held by private banks these days compared top 85% just 5 years ago. The impact of a default now is different, good or bad depending on who you are, than it was 5 years ago. http://money.cnn.com/2015/06/05/investing/greece-europ...
by whaleknives
Sun Jun 28, 2015 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: Employer 401k/Roth IRA/Traditional IRA
Replies: 5
Views: 543

Re: Employer 401k/Roth IRA/Traditional IRA

As mentioned already, the Wiki shows this as Funding Priority #1: "Contribute to the work-based plan (401(k), 403b,) enough to get the full employer match (the match is like free money, your best possible investment)" The 2015 401(k) contribution limit is $18,000 versus the tIRA or Roth $5...
by whaleknives
Sun Jun 28, 2015 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Drawing from Retirement Savings to Delay SS
Replies: 43
Views: 4220

Re: Drawing from Retirement Savings to Delay SS

1. How much of your retirement savings in percentages do you plan on depleting in order to fund your delay? I'm planning 5 years at a 7% withdrawal rate, converting my entire traditional IRA to Roth. The withdrawal rate with Social Security and no RMD's would then be <1%. 2. Are you currently delay...
by whaleknives
Fri Jun 26, 2015 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Convert tIRA to Roth, or not?
Replies: 7
Views: 629

Re: Convert tIRA to Roth, or not?

I have not converted yet; it is a tIRA that I thought was Roth but is not Roth. I'm deciding if/when to do convert. So, a backdoor isn't possible this year either, should I still contribute the $5500 to the tIRA planning to convert in lower-income years? Sorry, I'm dyslexic today. The Vanguard Roth...
by whaleknives
Fri Jun 26, 2015 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Convert tIRA to Roth, or not?
Replies: 7
Views: 629

Re: Convert tIRA to Roth, or not?

Was the conversion in 2014 or later? If so, recharacterize back to a traditional IRA, and convert later during lower income year(s).
by whaleknives
Wed Jun 24, 2015 5:49 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 272
Views: 18021

Re: What ratio are you stocks/bonds and how old are you?

I'm 65 and 60/40 stocks/bonds because I'm a younger distributor, and like CyberBob I prefer this model from Bogle on Mutual Funds:

Image

I think of it as the Lindbergh Glide Path.
by whaleknives
Tue Jun 23, 2015 2:15 pm
Forum: Personal Consumer Issues
Topic: Canoe recommendations
Replies: 23
Views: 1787

Re: Canoe recommendations

. . . A better canoe for lakes is a Wenonah. Their Sundowner is a fine canoe, made of Kevlar, and is durable and lighter than an aluminum canoe. It also paddles more easily. A friend of mine and I have used his Sundowner for Boundary Waters canoe trips in the past. It is a much better lake canoe th...
by whaleknives
Tue Jun 23, 2015 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security and Early Retirement?
Replies: 26
Views: 3920

Re: Social Security and Early Retirement?

You should take a look at the Social Security Detailed Calculator (AnyPIA.exe) . The advantages over the Retirement Estimator are: ⋅ It lets you input future earnings, including zero, by year (the Retirement Estimator allows you to enter only one annual earnings number, including zero, fro...
by whaleknives
Sun Jun 21, 2015 10:30 pm
Forum: Personal Consumer Issues
Topic: Rear ended another vehicle
Replies: 11
Views: 1700

Re: Rear ended another vehicle

Check on your state DMV website for required reporting, often based on damages. For example: "Any crash within the State of Wisconsin must be reported when it results in: ⋅ Injury or death of a person ⋅ $1,000 or more total damage to property owned by any one person ⋅&n...
by whaleknives
Sun Jun 21, 2015 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: SS bennies
Replies: 23
Views: 3157

Re: SS bennies

Did she work for Memorex during the missing year? Social Security asks you to contact them about errors in your earnings record: "Call us right away at 1-800-772-1213 (7 a.m. to 7 p.m. your local time) if any earnings for years before last year are shown incorrectly. . . You also may write to t...
by whaleknives
Sat Jun 20, 2015 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Should my husband become a nurse?
Replies: 71
Views: 7328

Re: Should my husband become a nurse?

I hesitated to reply, because it's so very subjective. I left engineering after 20 years because I wanted to do something different, and decided I wanted to work in health care. We enjoyed living in smaller towns, and engineering employment requires a minimum of capital and population, while health ...
by whaleknives
Fri Jun 19, 2015 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: So my pension has been frozen...
Replies: 34
Views: 6219

Re: So my pension has been frozen...

I'd take the money and run, not walk, to an IRA. If you leave your money in the plan, you're taking a risk that the plan won't change further. What was your last pension statement's funding level? Likely less than 100%: "Because of the economic downturn and low interest rates, pension plans lo...
by whaleknives
Thu Jun 18, 2015 10:18 am
Forum: Personal Consumer Issues
Topic: Old version of Quicken not pulling stock quotes
Replies: 2
Views: 263

Re: Old version of Quicken not pulling stock quotes

It's their 3-year planned obsolescence policy: Quicken Discontinuation Policy Updated: 4/22/2015 | Article ID: GEN82218 "Quicken products contain online services which include: downloading your transactions and balances from your bank; downloading stock quotes and news headlines; updating portf...
by whaleknives
Sun Jun 14, 2015 5:55 pm
Forum: Personal Consumer Issues
Topic: Do I need to keep my landline number?
Replies: 58
Views: 6345

Re: Do I need to keep my landline number?

We don't have cable. We have internet. Guess how that happens? AT&T has actually gotten to the point where they will sell me DSL or U-verse internet service without voice phone. We've kept a voice landline service because my wife likes the quality, and for backup during power outages . We still...
by whaleknives
Sun Jun 14, 2015 5:28 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Bond funds Style change
Replies: 26
Views: 3439

Re: Vanguard Bond funds Style change

This explains changes in Style Box interest-rate sensitivity for Vanguard Total Bond Market Investor (VBMFX) with the same average effective duration of 5.62 years: "dynamic breakpoints" based on percentage bands of the Morningstar Core Bond Index, and changing Core Bond Index absolute dur...
by whaleknives
Sun Jun 14, 2015 3:12 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Bond funds Style change
Replies: 26
Views: 3439

Re: Vanguard Bond funds Style change

As is Vanguard Total Bond Market Index Inv VBMFX:

Image
by whaleknives
Sun Jun 14, 2015 10:56 am
Forum: Personal Finance (Not Investing)
Topic: is it better to work for small company rather than big firm?
Replies: 36
Views: 4688

Re: is it better to work for small company rather than big firm?

stevep001 wrote:. . . Some plusses I see in the big company include: . . . deep pool of capital available to develop big ideas

And to weather financial storms. Decisions on layoffs are not only based on how much they value your work.
by whaleknives
Sun Jun 14, 2015 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Investing and Age Gap
Replies: 15
Views: 2388

Re: Retirement Investing and Age Gap

⋅ You may want to look at having part of your savings in a traditional IRA, then converting to a Roth when your husband retires. You can reduce your taxable income while working, but pay the tax during conversions at a lower rate. ⋅ You should look at delaying Social Security fi...
by whaleknives
Fri Jun 12, 2015 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Kotlikoff's Get What's Yours
Replies: 12
Views: 2497

Re: Kotlikoff's Get What's Yours

Here's a general warning from Mike Piper, with no specifics but some alternative recommendations: https://www.bogleheads.org/forum/viewtopic.php?t=166927#p2509872.

There's a long thread of 245 posts titled "Kotlikoff: When Should you Take Social Security?".
by whaleknives
Tue Jun 09, 2015 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Why is the IRA contribution limit less than a 401k limit?
Replies: 14
Views: 1434

Re: Why is the IRA contribution limit less than a 401k limit?

I suspect both mptfan and toto238 are right.

The 401(k) was aimed at replacing the defined benefit pension, so the limits and employer tax breaks were similar to that history, going back to wage freezes during WWII. The individual IRA was something new, and new limits were the result.
by whaleknives
Sun Jun 07, 2015 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Putting off Social Security until 70
Replies: 89
Views: 7644

Re: Putting off Social Security until 70

I don't see anyone mentioning survivor benefits yet. If you expect your spouse to outlive you, then "Survivor benefits reflect delayed credits, meaning that if the deceased spouse had deferred taking Social Security, the higher benefit will be passed on to the survivor." http://www.account...
by whaleknives
Sun Jun 07, 2015 8:04 pm
Forum: Investing - Theory, News & General
Topic: What is the opposite of longevity risk?
Replies: 30
Views: 1994

Re: What is the opposite of longevity risk?

Dying before your time . . .
Do not be excessively wicked and do not be a fool. Why should you die before your time?
Ecclesiastes 7:17
by whaleknives
Sun Jun 07, 2015 1:00 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing
Replies: 41
Views: 3952

Re: Rebalancing

Another article today on the higher returns of recently discussed Zombie and Alzheimer's Investing , from the New York Times The High Cost of Investing Like a Daredevil : ". . . the numbers show the beneficial effects of simply buying and holding portfolios based on the simplest and most straig...

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