Search found 467 matches

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: 239

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: 484

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: 64
Views: 2526

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: 7
Views: 222

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: 7
Views: 222

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: 148

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: 392

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: 392

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: 2320

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.
by whaleknives
Sat Jul 18, 2015 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: New Job - Simple IRA rollover and matching question
Replies: 7
Views: 545

Re: New Job - Simple IRA rollover and matching question

Don't confuse SIMPLE IRA rules with 401k or other plans. From the same link posted earlier: Do I have to contribute for a participant who isn't employed on the last day of the year? Yes, you do. A SIMPLE IRA plan cannot have a last-day-of-the-year employment requirement. If the employee is otherwis...
by whaleknives
Sat Jul 18, 2015 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: New Job - Simple IRA rollover and matching question
Replies: 7
Views: 545

Re: New Job - Simple IRA rollover and matching question

. . . In the past I received quarterly match contributions, but in 2015 there have been no match contributions paid to date - their plan is to pay all at once at the end of the year, when I will likely no longer be employed there. Based on this FAQ on irs.gov it is my understanding that they would ...
by whaleknives
Sat Jul 18, 2015 12:09 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Gap Monthly Costs
Replies: 11
Views: 1170

Re: Medicare Gap Monthly Costs

The standard Medigap policies in Minnesota, Massachusetts and Wisconsin differ from the other states, which look like this: http://i58.tinypic.com/bf5hm8.jpg Plan G is the same as the popular Plan F except for paying the $147 annual Part B deductible out-of-pocket. Plan N is the same as Plan G excep...
by whaleknives
Fri Jul 17, 2015 3:53 pm
Forum: Personal Consumer Issues
Topic: Is Medicare required when one has adequate retiree health insurance?
Replies: 22
Views: 1583

Re: Is Medicare required when one has adequate retiree health insurance?

Your spouse's employer should tell you whether Part B is required, as they did for Part A. Requiring Part B enrollment with retiree health coverage is common enough that Consumer Reports says " You have a retiree plan. If you have a retiree plan from your old job, you must sign up for Part B wh...
by whaleknives
Fri Jul 17, 2015 1:01 am
Forum: Personal Finance (Not Investing)
Topic: trouble using Anypia - no increase for delayed filing??
Replies: 6
Views: 523

Re: trouble using Anypia - no increase for delayed filing??

. . .So I entered all my info, and set it to calculate benefit after initial entitlement (this is for delaying past FRA right?) and entered zero earnings for the years from now until 2019. . . Also I notice there are no Quarters of Coverage for years 1969-1978 despite my earnings. Was there some le...
by whaleknives
Wed Jul 15, 2015 8:28 pm
Forum: Investing - Theory, News & General
Topic: Productivity and Pay
Replies: 9
Views: 708

Re: Productivity and Pay

Seems perfectly logical. The right half saw increases in productivity needed to offset a mismatch in global wage rates. The increasing participation of women in the US labor force also slowed overall wage growth. Was this from increased competition for jobs, a history of lower pay for women, or som...
by whaleknives
Wed Jul 15, 2015 8:23 pm
Forum: Investing - Theory, News & General
Topic: The next Lehman - this week? [Greek default]
Replies: 237
Views: 25887

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

sawhorse wrote:It just passed in Greece. Is the drama over, or does more have to happen? Does the IMF have to approve it? They said yesterday that they don't think it'll work.

Here are some next steps: Resolving the Greek Debt Crisis: Crucial Next Steps
by whaleknives
Wed Jul 15, 2015 7:51 pm
Forum: Investing - Theory, News & General
Topic: Productivity and Pay
Replies: 9
Views: 708

Productivity and Pay

I saw this chart in the paper today, and realized that the right half was the history of my working life. Too bad everyone couldn't work in the left half with my parents.
Image
Source: Wage Stagnation in Nine Charts, Economic Policy Institute
by whaleknives
Wed Jul 15, 2015 10:09 am
Forum: Investing - Help with Personal Investments
Topic: All Eggs in One Basket?
Replies: 20
Views: 2369

Re: All Eggs in One Basket?

I know this has likely been discussed in this forum and have searched but cannot find the thread. . . Is it better for me to separate across brokerage firms keeping within the 500K SIPC protection, or go with the simplest, 1 brokerage [Vanguard] selection even though the accounts exceed the 500K SI...
by whaleknives
Wed Jul 15, 2015 9:54 am
Forum: Investing - Help with Personal Investments
Topic: All Eggs in One Basket?
Replies: 20
Views: 2369

Re: All Eggs in One Basket?

I know this has likely been discussed in this forum and have searched but cannot find the thread. . . Is it better for me to separate across brokerage firms keeping within the 500K SIPC protection, or go with the simplest, 1 brokerage [Vanguard] selection even though the accounts exceed the 500K SI...
by whaleknives
Mon Jul 13, 2015 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: iorp question [Optimal Retirement Planner]
Replies: 5
Views: 364

Re: iorp question

After entering both spouse "Earned Income" and "Age to End Earned Income", I do see it reported on the "Other Sources of Income" page with the column labeled "Earnings Spouse". Your spouse's earned income will not begin until her "Anticipated Retirement A...
by whaleknives
Mon Jul 13, 2015 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: iorp question [Optimal Retirement Planner]
Replies: 5
Views: 364

Re: iorp question

One of the problems with ORP is finding expected results in the output. I tried running a trial with spouse earned income, and don't see it in the "OTHER SOURCES OF INCOME" report either, only Social Security. Still working the issue. :D
by whaleknives
Mon Jul 13, 2015 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: iorp question [Optimal Retirement Planner]
Replies: 5
Views: 364

Re: iorp question

How about Annual Retirement Income > Earned Income > Spouse? " Earned income : Many people plan to continue working, sometimes in different careers, early in retirement. Earned income is money earned from working after starting retirement. Earned income supplements Tax-deferred Account distribu...
by whaleknives
Mon Jul 13, 2015 12:54 pm
Forum: Personal Consumer Issues
Topic: Voyageurs National Park Vacation
Replies: 11
Views: 1119

Re: Voyageurs National Park Vacation

. . . Check with your state about a voluntary registration option(for boats that don't require registration). In Wisconsin it's only a few dollars for a canoe or kayak. . . Another good story: I tried registering my canoe in Wisconsin, but they wanted a copy of the then 21-year old bill of sale, wh...
by whaleknives
Sun Jul 12, 2015 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: SS for mother
Replies: 11
Views: 1168

Re: SS for mother

It looks like your mother's maximum benefit would be survivor's at 66: Social Security Benefit Amounts For The Surviving Spouse By Year Of Birth "Widows or widowers benefits based on age can start any time between age 60 and full retirement age as a survivor. If the benefits start at an earlier...
by whaleknives
Sun Jul 12, 2015 2:43 pm
Forum: Personal Consumer Issues
Topic: Voyageurs National Park Vacation
Replies: 11
Views: 1119

Re: Voyageurs National Park Vacation

No experience with Voyageurs NP specifically, just Boundary Waters further east. ⋅ You might want to contact outfitters near Kabetogama & Voyageurs about trails, fishing, and canoe rentals. Even in the National Park, the canoe has to have a Minnesota or other state registration sticker...
by whaleknives
Sat Jul 11, 2015 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: How to shut down MINT App
Replies: 7
Views: 1545

Re: How to shut down MINT App

Do you have duplicate transactions in one account, or duplicate accounts? If you want to delete an account, my iPhone app offers <Settings><Accounts><select account name (not balance)><Edit><Delete>. If you can access by PC, it's <Edit icon on top of Accounts sidebar><Delete link for specific accoun...
by whaleknives
Fri Jul 10, 2015 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Amica or Allstate ?
Replies: 9
Views: 529

Re: Amica or Allstate ?

Allstate auto and others like American Family Insurance have pioneered estimates from their in-house claims adjusters, rather than body shops. I had Allstate until someone with Allstate hit my parked car in the 1970's, and found that no body shop would do the work for the Allstate estimate. Allstate...
by whaleknives
Fri Jul 10, 2015 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Unknown phone calls
Replies: 67
Views: 6667

Re: Unknown phone calls

If you answer the phone it just signals to the (robo)caller that you number is an active number . . . which they can sell to others that do "inside sales"..love that term..so much warmer and fuzzier then 'telemarketer'. If you answer, you're just encouraging more calls . . . If I get a ca...
by whaleknives
Thu Jul 09, 2015 12:47 pm
Forum: Personal Consumer Issues
Topic: Ways to Find Better Prescription Pricing
Replies: 6
Views: 423

Re: Ways to Find Better Prescription Pricing

Another resource is GoodRx.com : "Stop paying too much for your prescriptions Compare prices, print free coupons & save up to 80% You can search locally and nationally, and use it without registering or logging in. Edit: ^Good call, wilshuer. Shows you what 3 minutes will do on the forum. :D
by whaleknives
Thu Jul 09, 2015 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Unknown phone calls
Replies: 67
Views: 6667

Re: Unknown phone calls

Has anyone tried answering the call, not saying a word, putting the phone down and leaving it connected for five minutes? If it is a live person, you've done the worst thing possible, which is to waste their time. Maybe that will get you taken off the list? :thumbsup Yes! And on speakerphone. The c...
by whaleknives
Thu Jul 09, 2015 9:40 am
Forum: Investing - Theory, News & General
Topic: The next Lehman - this week? [Greek default]
Replies: 237
Views: 25887

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

If Germany gets its way: Argentine Lessons for Greece. There is life without the euro at the end of the tunnel.
Image
by whaleknives
Wed Jul 08, 2015 11:45 am
Forum: Investing - Help with Personal Investments
Topic: any alternatives to LOW interest rate money market accounts
Replies: 14
Views: 830

Re: any alternatives to LOW interest rate money market accounts

. . . Does Ally have a history of paying higher rates, or are they bait and switch? . . . Ally has been stable at 0.99% since last year, but there are no guarantees, and current offers run from 0.75 to 1.25%. You have to check the fine print and the tradeoffs between rate, services, and past histor...
by whaleknives
Wed Jul 08, 2015 11:13 am
Forum: Investing - Help with Personal Investments
Topic: any alternatives to LOW interest rate money market accounts
Replies: 14
Views: 830

Re: any alternatives to LOW interest rate money market accounts

Have you looked at online accounts? Last year I moved our credit union money market account (0.01 to 0.08% depending on balance) to Ally (0.99% currently) and it's worked very well. You can search current rates at Bankrate.com and Boglehead threads for experiences with different banks. CD's are anot...
by whaleknives
Tue Jul 07, 2015 3:55 pm
Forum: Personal Consumer Issues
Topic: creepy LinkedIn
Replies: 30
Views: 5370

Re: creepy LinkedIn

Your swearing needs more #$@&%*! variety. More on grawlix or profanitype.
by whaleknives
Tue Jul 07, 2015 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Vs Fidelity for Brokerage Account
Replies: 8
Views: 813

Re: Vanguard Vs Fidelity for Brokerage Account

. . . If you use Vanguard, then be prepared for lack of transparency, slow account updating, and not knowing exactly where your money is and which trades you have placed for a hours if not days at a time. Fidelity is somewhat better, but not as real-time as some other brokers. Could this be part of...
by whaleknives
Tue Jul 07, 2015 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage: Broker or Bank?
Replies: 9
Views: 637

Re: Mortgage: Broker or Bank?

Questions you should ask anyone, bank or broker: ⋅ Can I get even a draft copy of the contract for review before closing? ⋅ Will the the mortgage be sold, leaving it held and managed by others? ⋅ Are the property taxes escrowed monthly, increasing the mortgage payment?
by whaleknives
Tue Jul 07, 2015 10:07 am
Forum: Investing - Theory, News & General
Topic: Age in Bonds Revisited: Vanguard Target Fund uses 90% Equities until Age 40?!?
Replies: 15
Views: 1187

Re: Age in Bonds Revisited: Vanguard Target Fund uses 90% Equities until Age 40?!?

asif408 wrote:. . . If you don't agree with their allocation you can simply choose a fund closest to the stock/bond split you are comfortable with among the Lifestrategy or TR funds . . .

Another example of how The Fund Name is Not Enough. :)
by whaleknives
Mon Jul 06, 2015 10:40 pm
Forum: Investing - Help with Personal Investments
Topic: roll over into spouse's 401K
Replies: 6
Views: 403

Re: roll over into spouse's 401K

If your 401k is at an employer where you no longer work, you can roll it into an IRA and defer taxes until you are 70.5 years of age if you wish. ok thanks. How do I go about doing this? -Lumbering Since your 401(k) is at Vanguard, it would be easiest to roll it over to a Vanguard traditional IRA, ...
by whaleknives
Sun Jul 05, 2015 8:59 pm
Forum: Investing - Theory, News & General
Topic: Chinese Move to Stabilize Stock Market
Replies: 29
Views: 3532

Re: Chinese Move to Stabilize Stock Market

. . . Four times in the last 25 years the Shanghai Composite has fallen 65% or more. The most recent episode was in 2007-2008 when the market dropped 75% over a 13 month period. Here is an article from 2008 that sound familiar to what is written about today's day traders chasing gains in China. htt...
by whaleknives
Sun Jul 05, 2015 5:59 pm
Forum: Investing - Theory, News & General
Topic: Recession watch: The yield curve
Replies: 26
Views: 2726

Re: Recession watch: The yield curve

http://i60.tinypic.com/beh3wk.jpg So if we look at the 10-Year Treasury Minus 3-Month Treasury difference for just 2007-2009, it becomes positive in May 2007, and the recession begins (by definition and hindsight) in Dec 2007, 7 months later. While the Total Stock Market curve does not drop dramati...
by whaleknives
Sun Jul 05, 2015 1:53 pm
Forum: Investing - Theory, News & General
Topic: Recession watch: The yield curve
Replies: 26
Views: 2726

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: 29
Views: 3532

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: 1448

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: 23
Views: 2756

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: 2271

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: 24
Views: 2432

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: 2271

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: 1941

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: 2271

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...

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