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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 5:15 pm
 
Forum: Personal Consumer Issues
Topic: Stopping Junk mail from USPS
Replies: 26
Views: 1865

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 10:41 pm
 
Forum: Investing - Theory, News & General
Topic: Market timing....Mark Hulbert
Replies: 7
Views: 1234

Re: Market timing....Mark Hulbert

This link may work for non-subscribers, but sometimes they seem ephemeral.
by whaleknives
Sun Aug 10, 2014 8:10 pm
 
Forum: Investing - Theory, News & General
Topic: Market timing....Mark Hulbert
Replies: 7
Views: 1234

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 10:46 pm
 
Forum: Personal Consumer Issues
Topic: Oldest age to start medical school?
Replies: 44
Views: 5491

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 5:29 pm
 
Forum: Investing - Theory, News & General
Topic: Volatility: Oh how I love thee.
Replies: 44
Views: 3076

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 9:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: [If over 50] Do you prepare for long term care
Replies: 43
Views: 2102

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 8:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: [If over 50] Do you prepare for long term care
Replies: 43
Views: 2102

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 9:16 am
 
Forum: Investing - Help with Personal Investments
Topic: My IPS in computer pseudocode [Investment Policy Statement]
Replies: 18
Views: 1696

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
Mon Jul 28, 2014 12:27 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 94
Views: 5726

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 11:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads Feel Wealthier?
Replies: 57
Views: 4657

Re: Hw many credit cards to own?

Two: one for credit and one for debit.
by whaleknives
Mon Jul 21, 2014 5:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 117
Views: 8120

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 4:20 pm
 
Forum: Investing - Theory, News & General
Topic: Japan's Lost Decades in One Chart
Replies: 23
Views: 2916

Re: Poll - Do You Read Businessweek?

Only for John Bogle quotes.
by whaleknives
Thu Jul 17, 2014 11:38 pm
 
Forum: Personal Consumer Issues
Topic: Poll - Do You Read Businessweek?
Replies: 30
Views: 2201

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 7:31 pm
 
Forum: Personal Consumer Issues
Topic: Footwear in Vietnam
Replies: 25
Views: 2124

Re: america the beautiful national parks and lands pass

You don't need a National Parks pass for the Boundary Water Canoe area . . . Peter - pablolo's America the Beautiful pass will provide a discount on some user fees charged by the National Forest Service for the BWCA. Unfortunately, there is also a special recreation permit fee for the wilderness th...
by whaleknives
Sat Jul 12, 2014 10:57 pm
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 61
Views: 4951

Re: POLL: Walmart vs Amazon

sscritic wrote:But that's the point. When was the last time your employer helped you apply for public benefits? Only Walmart treats their employees with such consideration for their needs.

Maybe if Walmart paid a living wage, their needs would be met by their employer and not the taxpayer. :)
by whaleknives
Sat Jul 12, 2014 3:36 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8541

Re: POLL: Walmart vs Amazon

If Walmart treated their employees so poorly, they wouldn't continue to have employees. They wouldn't continue to flourish. Simple microeconomics. When I was in high school and college, a position at Walmart was actually a sought-after job due to the way they *did* treat their employees. Successful...
by whaleknives
Sat Jul 12, 2014 12:40 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8541

Financial Predictions

nisiprius posted the first book below in a now locked topic on financial predictions, as an example of fail. The second book followed in three years: http://i57.tinypic.com/awq5fp.jpg http://i62.tinypic.com/bfkf0k.jpg Yourdon Press Computing Series, Prentice Hall (June 16, 1993) Yourdon Press Comput...
by whaleknives
Sat Jul 12, 2014 12:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial Predictions
Replies: 0
Views: 418

Re: $31,900 lump sum vs. $2,500 yearly?

The lump sum and annual interest payments seem equivalent, based on a single payment immediate annuity, and depending on your mom's actual age and annuity type.
by whaleknives
Fri Jul 11, 2014 4:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: $31,900 lump sum vs. $2,500 yearly?
Replies: 6
Views: 1254

Re: How do I enter unknown ticker on morningstar xray?

Sorry, a ticker is not available. From the Morningstar Bogleheads® Unite Forum : "The U.S. Equity Index Fund is a commingled pool of the Fidelity Group Trust for Employee Benefit Plans. It is not a mutual fund." Based on your 401(k) descriptions, you'll have to pick a similarly performing ...
by whaleknives
Fri Jul 04, 2014 12:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do I enter unknown ticker on morningstar xray?
Replies: 4
Views: 360

Market Timing

Image

Just seen in the library. Really. Truer than they know. Published once in 2003.
by whaleknives
Fri Jun 27, 2014 7:13 pm
 
Forum: Investing - Theory, News & General
Topic: Market Timing
Replies: 5
Views: 469

Re: [Poll] How many brokerage firms do you use for investing

It looks like the results are good to ± 1. Can we have a revote with more specific ground rules?
by whaleknives
Sun Jun 22, 2014 2:18 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] How many brokerage firms do you use for investing?
Replies: 43
Views: 2068

Re: What would "you" do?? [in this case]

kayanco wrote:Time horizon, I don't really know . . . What should it be?

Ask yourself, what am I saving for?
by whaleknives
Tue Jun 10, 2014 8:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: What would "you" do?? [in this case]
Replies: 50
Views: 3896

Re: Where do all of you buy your term life insurance?

From my employers, over the last 40 years. :)
by whaleknives
Wed Jun 04, 2014 7:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where do all of you buy your term life insurance?
Replies: 12
Views: 1013

Re: Where can I see my personal rate of return using Vanguar

Under My accounts>Personal performance>See how we calculate performance> ⋅ Data not available. Due to the calculation method that Vanguard uses, personal rate of return data is not available: ⋅ If you're a newly registered participant. ⋅ For a fund, account, or portfoli...
by whaleknives
Fri May 30, 2014 10:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Where can I see my personal rate of return using Vanguard?
Replies: 17
Views: 1827

Re: Costs that go down/away or go up/first appear in retirem

I am working on the RMD issue. . . I am running my own calculations and using i-orp and firecalc. . . i-orp gives a detailed plan taking taxes into account so that is quite useful. i-orp seems to maximize spending by minimizing Roth conversions. My results limit conversions to 3 of the 5-1/2 years ...
by whaleknives
Thu May 29, 2014 7:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Costs that go down/away or go up/first appear in retirement
Replies: 30
Views: 2883

Re: Costs that go down/away or go up/first appear in retirem

Anyone planning retirement withdrawals from tax-deferred accounts (traditional IRA or traditional 401(k)) should estimate the effects of Required Minimum Distributions and Social Security on income taxes. I found that my retirement taxes would actually increase, but can be reduced by converting to a...
by whaleknives
Wed May 28, 2014 10:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Costs that go down/away or go up/first appear in retirement
Replies: 30
Views: 2883

Re: Your Company Ever Been "Spun-Off"? Any Stories/Suggestio

Took a while to find it. Georgia-Pacific acquired Great Northern Nekoosa in a 1990 hostile take-over, with a 2-year promise of job security. In 1992 Georgia-Pacific announced 342 layoffs at Nekoosa Papers, including all 200 employees of the corporate R&D laboratory that same year. Nekoosa Papers...
by whaleknives
Tue May 27, 2014 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your Company Ever Been "Spun-Off"? Any Stories/Suggestions?
Replies: 23
Views: 1845

Re: Your Company Ever Been "Spun-Off"? Any Stories/Suggestio

If there are any golden parachutes or guarantees, the layoffs will begin the day they expire.
by whaleknives
Tue May 27, 2014 7:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your Company Ever Been "Spun-Off"? Any Stories/Suggestions?
Replies: 23
Views: 1845

Re: Market fluctuation in late 2008

It was easier to continue 401(k) payroll deductions during the last great recession, than it will be to continue retirement withdrawals during the next.
by whaleknives
Sun May 25, 2014 10:14 am
 
Forum: Investing - Theory, News & General
Topic: Market fluctuation in late 2008
Replies: 51
Views: 3416

Re: "Moshe Milevsky on Tontines"

Some of our parents had this best seller:

Image
by whaleknives
Sat May 17, 2014 6:24 pm
 
Forum: Investing - Theory, News & General
Topic: "Moshe Milevsky on Tontines"
Replies: 28
Views: 2601

Re: When did you tell your children how much you had amassed

Look! It has a new appendix: "More Fun with Compound Interest -- Teaching Your Kids to Save and Invest".
by whaleknives
Sat May 17, 2014 8:21 am
 
Forum: Investing - Help with Personal Investments
Topic: When did you tell your children how much you had amassed
Replies: 135
Views: 11034

Re: When did you tell your children how much you had amassed

Maybe you can accomplish the same thing by showing him an example on a growth curve or compound interest chart. Or show him the "Fun with Compound Interest" appendix in The Only Investment Guide You'll Ever Need by Andrew Tobias (revised 2011).
by whaleknives
Sat May 17, 2014 8:18 am
 
Forum: Investing - Help with Personal Investments
Topic: When did you tell your children how much you had amassed
Replies: 135
Views: 11034

Re: Anyone know how to post iphone pictures?

But m.tinypic.com forces you to log in, which I've never done. Or, are you using browser and not the mobile app? Since message boards are ephemeral, and I don't post anything personal, I've never bothered about joining. A check yesterday still shows charts available 13 months after uploading to tiny...
by whaleknives
Sat May 17, 2014 8:03 am
 
Forum: Forum Issues and Administration
Topic: Anyone know how to post iphone pictures?
Replies: 6
Views: 1022

Re: Anyone know how to post iphone pictures?

⋅ Copy photo from phone to computer. ⋅ Read tinypic.com Terms of Use and Privacy Policy . ⋅  :arrow: Upload photo to tinypic.com . ⋅ Copy resulting "IMG code for Forums". ⋅ Paste code into post. ⋅ Preview post. If you don't like ...
by whaleknives
Fri May 16, 2014 10:13 pm
 
Forum: Forum Issues and Administration
Topic: Anyone know how to post iphone pictures?
Replies: 6
Views: 1022

Re: what happened when sterling lost its reserve status?

And now that I think about it, gold and promissory notes based on gold deposits were probably the trade currencies of choice until the 19th century.
by whaleknives
Sun May 11, 2014 1:22 pm
 
Forum: Investing - Theory, News & General
Topic: what happened when sterling lost its reserve status?
Replies: 7
Views: 1189

Re: what happened when sterling lost its reserve status?

The trader2trader chart of "Empires & Reserve Currencies 1450 – 2013" seems questionable and all too neat. I didn't check the source link (politicalmetals.com/2011/09/15/if-history-is-any-guide/) because my security software libels it as a source of "malicious links or payloads&qu...
by whaleknives
Sun May 11, 2014 1:11 am
 
Forum: Investing - Theory, News & General
Topic: what happened when sterling lost its reserve status?
Replies: 7
Views: 1189

Re: Late Starter 401k Advice

⋅ The Roth is recommended for you here , since you are in the 15% Federal bracket now, and will probably be that or higher in retirement. My 401(k) started with traditional only when I was 53, but I plan to convert it to a Roth after retiring but before starting Social Security. I was sur...
by whaleknives
Sat May 10, 2014 9:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Late Starter 401k Advice
Replies: 4
Views: 875

Re: Late Starter 401k Advice

⋅ 37 is not late. :) ⋅ The 401(k) employer matching contribution means you get the equivalent of a 4% raise for contributing 5% (100% of your first 3% plus 50% of your next 2%). A minimum contribution to get this matching is always recommended . ⋅ Your 401(k) expense r...
by whaleknives
Sat May 10, 2014 12:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Late Starter 401k Advice
Replies: 4
Views: 875

Re: Raytheon Stock Advise

I think it's a way to dollar cost average into the market. :)
by whaleknives
Sun Apr 27, 2014 11:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Raytheon Stock [Advice]
Replies: 14
Views: 3160

Re: When should Mom collect social security?

ssa.gov Survivors Planner : "If you are the widow or widower of a person who worked long enough under Social Security, you can: ⋅ receive full benefits at full retirement age for survivors or reduced benefits as early as age 60." Full retirement age for survivors born 1945-1956 i...
by whaleknives
Sat Apr 26, 2014 4:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: When should Mom collect social security?
Replies: 8
Views: 1049

Re: Help with Social Security Decision

The OP said SS in 5 years, or sometime in 2019. :)
by whaleknives
Sat Apr 26, 2014 3:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with Social Security Decision
Replies: 25
Views: 2420

Re: Help with Social Security Decision

62 (unless you have the qualifying child), according to the Wiki ⋅ "You are eligible for a wife or husband's benefit if your spouse is entitled to old-age or disability benefits and ⋅ You have been married for a year (or other special cases), ⋅ You are 62 or have i...
by whaleknives
Sat Apr 26, 2014 11:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Help with Social Security Decision
Replies: 25
Views: 2420

Re: .csv file for Savings Bond Wizard

You can't blame this on Windows - the file specs look like punched cards, first used by Hollerith for the 1890 census. :D
by whaleknives
Fri Apr 25, 2014 3:59 pm
 
Forum: Investing - Theory, News & General
Topic: .csv file for Savings Bond Wizard
Replies: 7
Views: 777

Re: .csv file for Savings Bond Wizard

I don't use the Savings Bond Wizard, but the TreasuryDirect site shows File Specifications for Savings Bond Value Files , with a row of fields (or columns) for each bond (separated by commas or other characters in the case of a csv file). You can compare your csv file to the spec fields. Unfortunate...
by whaleknives
Thu Apr 24, 2014 3:30 pm
 
Forum: Investing - Theory, News & General
Topic: .csv file for Savings Bond Wizard
Replies: 7
Views: 777
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