Search found 508 matches

by whaleknives
Sun Aug 30, 2015 2:36 pm
Forum: Investing - Theory, News & General
Topic: Aug 2015 correction: what Bogleheads did...
Replies: 99
Views: 4264

Re: Aug 2015 correction: what Bogleheads did...

Just doing nothing here - never reached my 5% rebalancing band.
by whaleknives
Sat Aug 29, 2015 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Its not all about the money, thanks Bogleheads!
Replies: 6
Views: 1157

Re: Its not all about the money, thanks Bogleheads!

. . . I have done the homework, carried out my due diligence, made the decisions and am free to do other things with a calm mind . . . :thumbsup My "due diligence" changed from trying to pick the best performing funds in my 401(k) (see Mission: Impossible 5), to buying and holding diversi...
by whaleknives
Sat Aug 29, 2015 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Mom and Pop and the Pros
Replies: 2
Views: 552

Re: Mom and Pop and the Pros

Here's another that sounds familiar: "Sometimes instantaneous is too fast; occasionally the best thing to do is absolutely nothing." Mom and Pop Outsmart Wall Street Pros And this chart of passive vs. very active trading: http://assets.bwbx.io/images/iU7.BZO4Pq60/v1/-1x-1.png
by whaleknives
Wed Aug 26, 2015 6:16 pm
Forum: Personal Consumer Issues
Topic: Cheaper car for someone who enjoys cars?
Replies: 63
Views: 8376

Re: Cheaper car for someone who enjoys cars?

This has all been extremely helpful. Thanks to everybody. Of all the options, I like the looks and the tech of the Mazda 3 or 6 (based purely on the Mazda website, not real life). Has anybody had experience with it in the snow? . . . Thanks! Coming late to this, but I owned a 2002 Mazda Protege 5 t...
by whaleknives
Wed Aug 26, 2015 5:35 am
Forum: Personal Finance (Not Investing)
Topic: Minimizing taxes in retirement
Replies: 6
Views: 988

Re: Minimizing taxes in retirement

The Wiki Tax basics is a good summary for before and after retirement. I personally am working on a Traditional to Roth IRA conversion to avoid Required Minimum Distributions before starting Social Security.
by whaleknives
Tue Aug 25, 2015 11:49 am
Forum: Investing - Theory, News & General
Topic: How do you diversify?
Replies: 24
Views: 2384

Re: How do you diversify?

If you believe like Vanguard that with a market-value-weighted index "returns should closely match those of the market", then a total market index fund will do the work for you. "Some investors and fund managers seek to outperform the market by emphasizing certain sectors over others,...
by whaleknives
Mon Aug 24, 2015 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: 2008 all over again...
Replies: 25
Views: 3850

Re: 2008 all over again...

Yes, you're right. This may be the wrong forum to say it, but timing is everything. But also, the stock market is not the economy. Can you expand on what this means for the not so savvy? It's not savvy at all, because it refers to the fortune of being in the accumulation (saving) phase during the w...
by whaleknives
Mon Aug 24, 2015 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: 2008 all over again...
Replies: 25
Views: 3850

Re: 2008 all over again...

Ice-9's chart excludes dividends. My 401(k) balance from that time shows a 10- to 11-month drop, with maximum paycheck contributions and dividends. I realize the value would be greater without the drop, but I wasn't left feeling that my allocations were a horrible mistake for 5-1/2 years either. If...
by whaleknives
Mon Aug 24, 2015 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: 2008 all over again...
Replies: 25
Views: 3850

Re: 2008 all over again...

. . .Why do people keep thinking the crash started in 2008 and didn't last very long? October 2007 to March 2013 is a lot longer than a year and a half. It's 5.5 years. . . I was going to say the same thing, but retiredjg beat me to it. There's a great chart on this blog that shows the timeline: ht...
by whaleknives
Sat Aug 22, 2015 11:38 am
Forum: Investing - Theory, News & General
Topic: Boglehead State Pension [NY Times article, pension advisors]
Replies: 1
Views: 291

Boglehead State Pension [NY Times article, pension advisors]

Pension Advisers Who Don't Try to Beat the Market, Ron Lieber, New York Times

42% S&P 500 index, 18% international stocks (30% of equities), 30% Treasuries, 10% private equity and real estate. More serious about index funds than CalPERS.
by whaleknives
Sat Aug 22, 2015 11:20 am
Forum: Personal Finance (Not Investing)
Topic: What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]
Replies: 53
Views: 5280

Re: What is Your Plan B if Quicken dies?

Excel is my Plan A. :thumbsup I'm exploring this. The Excel version of swimirvine's portfolio manager with the Yahoo! Groups Stock Market Add-in worked first time. I have less and less reason to stay with Quicken. Also: https://scontent.xx.fbcdn.net/hphotos-xfp1/v/t1.0-9/11898802_10153629418014214_...
by whaleknives
Thu Aug 20, 2015 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Transamerica 401K Choices - HELP!!
Replies: 18
Views: 1013

Re: Transamerica 401K Choices - HELP!!

Based on the Wiki 401(k) section "Expensive or mediocre choices" , ⋅ One of the VG Target Retirement Funds at your desired asset allocation, up to the maximum employer match, ⋅ additional contributions into a Roth or Traditional IRA, ⋅ remaining available unma...
by whaleknives
Wed Aug 19, 2015 9:41 pm
Forum: Investing - Theory, News & General
Topic: How many here follow Bogle's "no international" theory?
Replies: 82
Views: 5285

Re: How many here follow Bogle's "no international" theory?

Since US companies are already deriving half their revenues from foreign countries, if you invest in foreign equities wouldn't that mean that much more than half of the revenues generated by companies in your global stock portfolio be derived from non-U.S. sources? Is that what you want? My VG Tota...
by whaleknives
Wed Aug 19, 2015 9:59 am
Forum: Investing - Theory, News & General
Topic: How much should we invest in Emerging Markets?
Replies: 5
Views: 845

Re: How much should we invest in Emerging Markets?

My portfolio is 17.7% of international equities in emerging markets (today), or 5% of total equities, all in VG Total International at 27.8% of total equities (today).
by whaleknives
Tue Aug 18, 2015 9:25 pm
Forum: Investing - Theory, News & General
Topic: Good argument for underweighting international stocks?
Replies: 77
Views: 4643

Re: Good argument for underweighting international stocks?

Having lived in countries considered emerging markets, there are some personal experiences with currency black markets, government employee corruption, and political unrest that strongly reinforce some of Vanguard's warnings about international risk. " Vanguard Total International Stock Index F...
by whaleknives
Tue Aug 18, 2015 7:36 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 29085

Re: Free Windows 10 Upgrade, Yes or No?

BigFoot48 wrote:I used the USB "run setup" method to do a non-clean install on four computers. Only my latest, a Acer laptop running 8.1, gave me any problems.

That's interesting, because I had no problems with my Acer laptop running 8.1. :D (It's an Aspire M5-481PT with a touch screen.)
by whaleknives
Tue Aug 18, 2015 7:28 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 29085

Re: Free Windows 10 Upgrade, Yes or No?

Haven't read through all the posts yet but wondering if people are doing "non-clean" or "clean" installs? . . . The most automatic, non-clean install possible, with Microsoft doing all the work. https://www.bogleheads.org/forum/viewtopic.php?f=11&t=166890&start=200#p2575...
by whaleknives
Tue Aug 18, 2015 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Need 401k Advice
Replies: 9
Views: 514

Re: 401k Advice

Welcome. Any information in Asking Portfolio Questions you can add will help with replies, especially the fund tickers and missing expense ratios.

Have your read the Wiki's "Investing start-up kit"? You need to understand "Risk and return" and "Asset allocation".
by whaleknives
Tue Aug 18, 2015 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for picking 401k funds from a bad plan
Replies: 34
Views: 1682

Re: Suggestions for picking 401k funds from a bad plan

That being said the only fund I would use in this account would be the Invesco Equally Weighted S&P 500. By using that fund exclusively in the 401K you can balance and adjust your portfolio with funds in the other accounts. :thumbsup And read the Wiki 401(k) section " Expensive or mediocre...
by whaleknives
Mon Aug 17, 2015 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: SSA: your estimated benefits (how to calculate)
Replies: 30
Views: 3140

Re: SSA: your estimated benefits (how to calculate)

You might want to look at using the Social Security Retirement Estimator or Detailed Calculator (AnyPia), which let you enter estimated earnings in the future, when you expect to stop or reduce working.
by whaleknives
Mon Aug 17, 2015 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: SSA: your estimated benefits (how to calculate)
Replies: 30
Views: 3140

Re: SSA: your estimated benefits (how to calculate)

. . . it’s not clear to me how they fill in the missing data to give an estimate for someone who is say 10-15 years from full retirement age. . . They make assumptions: "For 2015 and later (up to retirement age), we assumed you'll continue to work and make about the same as you did in 2013 or ...
by whaleknives
Wed Aug 12, 2015 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: Outside Investments entry/editing at VG
Replies: 5
Views: 276

Re: Outside Investments entry/editing at VG

I just entered Vanguard Total Stock Market Index Fund ETF (VTI) as a stock in outside investments. I tried mutual fund first, and the site told me it had to be entered as a stock, and offered to correct it. What ETF's are you trying to enter? I'd delete whatever seems to be causing a problem in outs...
by whaleknives
Tue Aug 11, 2015 6:26 pm
Forum: Investing - Theory, News & General
Topic: XIRR and YTD ... again
Replies: 10
Views: 986

Re: XIRR and YTD ... again

. . . I can't remember the right math term right off of my head, but calculations like XIRR are not "complete" in the sense that there is an algorithm that gets the right answer. The way the computer works is to makes an estimate, than another estimate, until it homes in on a value that w...
by whaleknives
Tue Aug 11, 2015 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Flex Spending, need to spend money, can I buy medicine and donate?
Replies: 11
Views: 983

Re: Flex Spending, need to spend money, can I buy medicine and donate?

Using a Flexible Spending Account (FSA) . . . See a list of generally permitted medical and dental expenses . " Whose Medical Expenses Can You Include? You can generally include medical expenses you pay for yourself, as well as those you pay for someone who was your spouse or your dependent ei...
by whaleknives
Sat Aug 08, 2015 5:26 pm
Forum: Investing - Theory, News & General
Topic: What Did You Do In The 2008/2009 Stock Market Crash?
Replies: 51
Views: 3541

Re: What Did You Do In The 2008/2009 Stock Market Crash?

Image

This is my history of maxing a new 401(k) with 70/30 to 60/40 stocks/bonds, from January 2003 through 2012. The greatest recession since the Great Depression is a great argument for buying and holding during the accumulation phase.
by whaleknives
Fri Aug 07, 2015 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Contribution Rules Question
Replies: 8
Views: 881

Re: Roth IRA Contribution Rules Question

Publication 590-A (2014), Contributions to Individual Retirement Arrangements (IRAs) : "Wages, salaries, tips, professional fees, bonuses, and other amounts you receive for providing personal services are compensation. The IRS treats as compensation any amount properly shown in box 1 (Wages, t...
by whaleknives
Wed Aug 05, 2015 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: trying to make sense of it
Replies: 7
Views: 518

Re: trying to make sense of it

Welcome. Any information in Asking Portfolio Questions you can add will help with replies, especially the funds, tickers and expense ratios that you hold and others that are available to you. Have your read Getting started , Financial planning , and the investing start-up kit ? They will get you rea...
by whaleknives
Wed Aug 05, 2015 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: strategy to convert traditional ira to roth
Replies: 6
Views: 501

Re: strategy to convert traditional ira to roth

Once you are 70 (collecting SocSec) and the RMDs start, what will be your tax rate? If the RMD will be taxed at 15%, then there is no advantage to converting earlier to Roth. But if the RMD will be taxed at 25%, that amount could be converted to Roth pre-70 and still pay the same 25% in taxes. This...
by whaleknives
Tue Aug 04, 2015 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Advise
Replies: 2
Views: 202

Re: 401K Advise

The Wiki 401(k) section on Expensive or mediocre [fund] choices has a helpful rule of thumb: it argues that the tax benefit of a 401(k) over a taxable investment is about 30%, so it would take 40 years for a taxable Vanguard Target fund to exceed your 401(k) return with the same fund, or 30%/(0.93%-...
by whaleknives
Tue Aug 04, 2015 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio implementation
Replies: 5
Views: 351

Re: 3 fund portfolio implementation

For the question of which assets in which account, looking at tax-efficient fund placement is helpful: http://i58.tinypic.com/mjy16e.jpg Following the steps in the Wiki article, your total bond fund could go in any tax-advantaged account (Roth, traditional IRA, or 401(k)), the international stock in...
by whaleknives
Tue Aug 04, 2015 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Should I be timing when I rebalance my portfolio?
Replies: 9
Views: 751

Re: Should I be timing when I rebalance my portfolio?

The rebalancing crowd seem to be split between deviation from target and fixed intervals, but the Wiki only covers the first, along with contributions and withdrawals. There is also "The Final, Definitive Thread on Rebalancing" , which can't possibly be true, but tries to summarize all the...
by whaleknives
Mon Aug 03, 2015 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Money from house sale - put on new mortgage or invest?
Replies: 9
Views: 1075

Re: Money from house sale - put on new mortgage or invest?

I was concerned about your not rolling all gains into your next house, but it looks like I'm outdated: ". . . before May 7, 1997, the only way you could avoid paying taxes on your home-sale profit was to use the money to buy another, more-expensive house within two years. Sellers age 55 or olde...
by whaleknives
Sun Aug 02, 2015 11:58 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 29085

Re: Free Windows 10 Upgrade, Yes or No?

Punched cards? Paper tape? Why, we're lucky to have any paper at all... mostly tin and bakelite! (No plastic then.) . . . I bet you walked 10 miles to school, uphill both ways! Say, let me tell you, I remember using Hollerith cards for the 1890 census . http://memory.loc.gov/mss/mcc/023/0008.jpg
by whaleknives
Sun Aug 02, 2015 11:45 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 29085

Re: Free Windows 10 Upgrade, Yes or No?

Can someone please explain why I'd want to upgrade from 8.1 which i feel comfortable with. I was lost when I first went from Win 7 to 8 because I couldn't find where things where. Don't want to go thru that again. (Fot the record, I started with DOS 1.0 and have been thru all the other versions exc...
by whaleknives
Sun Aug 02, 2015 6:59 pm
Forum: Investing - Theory, News & General
Topic: What cap percent of the TSM does NASDAQ 100 represent?
Replies: 9
Views: 941

Re: What cap percent of the TSM does NASDAQ 100 represent?

I don't think anyone will be able to tell you, since no one has ever recommended a NASDAQ 100 fund on this site (although 5 of 42 respondents admitted to buying one at some time): ⋅  https://www.bogleheads.org/forum/viewtopic.php?t=140893 ⋅  http://www.bogleheads.org/forum/viewto...
by whaleknives
Sat Aug 01, 2015 2:42 pm
Forum: Investing - Theory, News & General
Topic: Ready to Give Up on Emerging Market Stocks?
Replies: 47
Views: 4884

Re: Ready to Give Up on Emerging Market Stocks?

Just rereading Bernstein's The Four Pillars of Investing , and his 2010 Postscript on conventional wisdom and the flaws of emerging markets as "the place to be". Summarizing: ⋅ On average, stocks of nations with rapidly growing economies have lower returns than those of more matu...
by whaleknives
Fri Jul 31, 2015 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with 401k allocation
Replies: 5
Views: 318

Re: Please the help with 401k allocation

I know the expense ratios are high and have been complaining to our HR department. . . I have been looking around TransAmerica (that's who does our 401k), but I am having a hard time finding the ticker symbols for the funds. I am trying to match them by looking on finance.google.com but not having ...
by whaleknives
Thu Jul 30, 2015 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with 401k allocation
Replies: 5
Views: 318

Re: Please help with 401k allocation

I've been looking at the problem of your uniformly high expense ratios. Everyone agrees that you should contribute enough to max the employer's matching contribution, or you're throwing away free money. But the Wiki 401(k) section on Expensive or mediocre [fund] choices suggests you should go furthe...
by whaleknives
Thu Jul 30, 2015 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with 401k allocation
Replies: 5
Views: 318

Re: Please help with 401k allocation

⋅ It's a FAQ : following the suggestions in Asking Portfolio Questions will get you more replies. ⋅ Your ticker symbols will be particularly important, because they allow the Morningstar Instant X-Ray tool to show the duplication between your individual funds and the Target fund...
by whaleknives
Tue Jul 28, 2015 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with approximating total bond market
Replies: 6
Views: 300

Re: Need help with approximating total bond market

Can you give us the ticker symbols for the funds, to uniquely identify them?
by whaleknives
Mon Jul 27, 2015 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: File and suspend SS for dad
Replies: 5
Views: 559

Re: File and suspend SS for dad

It may be too late: Retirement Planner: Suspending Retirement Benefit Payments "Note: If you started receiving Social Security benefits less than 12 months ago and you changed your mind about when they should start, you may be able to withdraw your Social Security claim and re-apply at a future...
by whaleknives
Mon Jul 27, 2015 3:11 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 76
Views: 3898

Re: FWD vs AWD

AWD > FrontWD > RWD traction, even with rear engines. I think you'd notice the difference going back to FWD from AWD. We've had either FWD or AWD for 39 years, and we went back to AWD for our current car.
by whaleknives
Mon Jul 27, 2015 11:27 am
Forum: Forum Issues and Administration
Topic: Cannot access the wiki
Replies: 8
Views: 675

Re: Cannot access the wiki

Christine_NM wrote:Wiki is not working for me either (10:19 am MDT). Same message whaleknives received.

ETA - didn't work with one hour cache clearing. Wiki link does work after one-day cache clearing.

OP is chentastic. :D
by whaleknives
Mon Jul 27, 2015 11:15 am
Forum: Forum Issues and Administration
Topic: Cannot access the wiki
Replies: 8
Views: 675

Re: Cannot access the wiki

https://www.bogleheads.org/wiki/Main_Page is now loading for me, after clearing my browser cache.
by whaleknives
Wed Jul 22, 2015 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: Job to start offering 401k plan - currently contribute to IRA
Replies: 1
Views: 155

Re: Job to start offering 401k plan - currently contribute to IRA

IRA and 401(k) limits are applied separately. See ⋅  IRS Retirement Topics - IRA Contribution Limits " Can I contribute to an IRA if I participate in a retirement plan at work? You can contribute to a traditional or Roth IRA whether or not you participate in another retirement plan th...
by whaleknives
Mon Jul 20, 2015 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: Redirect Errors on Vanguard Site
Replies: 3
Views: 455

Re: Redirect Errors on Vanguard Site

. . . Today was a much better experience. I'm glad to hear it. You can Google many posts on Vanguard customer service, including Bogleheads recently. They may be suffering from increased popularity. The service seems worst for account transfers. But, still: "Experts generally praise Vanguard's...
by whaleknives
Sun Jul 19, 2015 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Redirect Errors on Vanguard Site
Replies: 3
Views: 455

Re: Redirect Errors on Vanguard Site

I've had lengthy page loading and failure to load when the site is down, but never any HTTP error messages from Vanguard. I've never had problems or errors transferring between Vanguard and my credit union or Ally accounts. Are you transferring to an existing Vanguard account, or trying to create a ...
by whaleknives
Sun Jul 19, 2015 2:57 pm
Forum: Personal Consumer Issues
Topic: How do I fix a hole in this wooden door?
Replies: 42
Views: 2433

Re: How do I fix a hole in this wooden door?

The renters were probably too embarrassed to tell you about the alcohol, locked door, and boxer's fracture.

The doorknob in the picture looks suspect, too. When they look like that, they tend to come off in your hand, and hopefully there's a window to climb out.

Go to advanced search