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Re: What % of stock market "drive" is gambling?

Does this sound familiar? "In any game where returns are highly volatile, and there is a reasonable expectation that skill plays a role, delusions of expertise may come into play," comments Browne, who adds, "In horse betting in particular, it appears that a gambler may easily be misl...
by whaleknives
Wed Apr 16, 2014 2:48 pm
 
Forum: Investing - Theory, News & General
Topic: What % of stock market "drive" is gambling?
Replies: 27
Views: 2805

Re: What % of stock market "drive" is gambling?

I'm wondering whether there's any way to approach the question objectively. Rather than risk vs. return, the key might be the likelihood at all of a positive return over time. Risk can be situational. Day trading has been placed in the gambling category, but is high frequency trading gambling, if y...
by whaleknives
Mon Apr 14, 2014 11:16 am
 
Forum: Investing - Theory, News & General
Topic: What % of stock market "drive" is gambling?
Replies: 27
Views: 2805

Re: How can "value beats growth" be a rule?

Did you see "A Chance for a Market’s Wallflowers to Bloom" in yesterday's New York Times ? "Why would such an anomaly persist? Professor Greenwald points to what is known as the “lottery preference.” People 'will always overpay to try to get rich quick.' " The article, which quot...
by whaleknives
Sun Apr 13, 2014 12:51 pm
 
Forum: Investing - Theory, News & General
Topic: How can "value beats growth" be a rule?
Replies: 21
Views: 1322

Re: SS Spouse Benefit with Early Filing

. . . If the high earner claims first, the low earner claiming early will be applying for both old-age and spouse benefits at the same time (presumed or deemed filing). The formula is own PIA reduced for being early plus the difference between half the high earner's PIA and own PIA, that difference...
by whaleknives
Mon Apr 07, 2014 10:16 pm
 
Forum: Investing - Theory, News & General
Topic: SS Spouse Benefit with Early Filing
Replies: 7
Views: 299

Re: SS Spouse Benefit with Early Filing

But the lower earner is younger - how can you be deemed to file at 61 years or younger?
by whaleknives
Mon Apr 07, 2014 9:55 pm
 
Forum: Investing - Theory, News & General
Topic: SS Spouse Benefit with Early Filing
Replies: 7
Views: 299

SS Spouse Benefit with Early Filing

I've reviewed the SS web pages on spouse benefits ( here and here ), and sscritic's classic summary , but none of the descriptions and examples seem to address early filing by the higher earner. If the higher earner starts payments at 62 (FRA of 66), what happens to the spouse benefits, if they are ...
by whaleknives
Mon Apr 07, 2014 9:36 pm
 
Forum: Investing - Theory, News & General
Topic: SS Spouse Benefit with Early Filing
Replies: 7
Views: 299

Re: Time for Internet Explorer 11?

You're obviously not married to a Luddite.
by whaleknives
Sun Apr 06, 2014 12:08 pm
 
Forum: Personal Consumer Issues
Topic: Time for Internet Explorer 11?
Replies: 19
Views: 1139

Re: Time for Internet Explorer 11?

I've been using Explorer 11 since May 2013, but only to access work-related programs through Citrix. (I normally use Firefox.) The only problem I've had with Explorer 11 is a lack of downward compatibility, with some 3rd-party web sites still requiring earlier versions. My work-around is to use 11 t...
by whaleknives
Sun Apr 06, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: Time for Internet Explorer 11?
Replies: 19
Views: 1139

Re: Where is the Vanguard 03/31/2014 statement?

I'm sorry - based on my evidence, there are no 2014 statements, and Schroedinger's cat is

Image
by whaleknives
Sat Apr 05, 2014 9:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Where is the Vanguard 03/31/2014 statement?
Replies: 32
Views: 2038

Re: Receiving junk texts and cell phone messages

I don't know how to stop them, but your cell provider might offer a free service to block them, like Verizon:

    "Block a number: Prevent up to 5 phone numbers from contacting you for up to 90 days."
It's worked for me.
by whaleknives
Mon Mar 31, 2014 4:25 pm
 
Forum: Personal Consumer Issues
Topic: Receiving junk texts and cell phone messages
Replies: 14
Views: 712

Re: ORP and Roth Conversions

Mr. Welch's response: The formulation deficiency, that I thought was there, wasn't. Take a look at this test case: Age TaxDef AfterTax RothIRA IRA2Roth IRA2Aftx SocSec Taxes Spending 065 99 101 0 81 0 0 18 101 066 79 95 0 79 0 27 18 103 067 81 97 0 81 0 27 19 106 068 83 100 0 83 0 28 19 108 069 85 1...
by whaleknives
Mon Mar 24, 2014 8:29 pm
 
Forum: Investing - Theory, News & General
Topic: ORP and Roth Conversions
Replies: 2
Views: 409

Re: Anyone been to Singapore?

I enjoyed the Tiger Balm Gardens (now Haw Par Villa ), including a Hinayana Buddhist "Ten Courts of Hell", like a diorama of an Asian "Garden of Earthly Delights" by Hieronymus Bosch, or Dante's "Inferno". But then I was 13 years old. I find people comparing notes on tr...
by whaleknives
Sun Mar 23, 2014 9:47 pm
 
Forum: Personal Consumer Issues
Topic: Anyone been to Singapore?
Replies: 23
Views: 1708

ORP and Roth Conversions

I've been using the i-ORP calculator to look at retirement distributions from multiple accounts ( Wiki ). For early traditional IRA-to-Roth conversions while delaying Social Security ( Wiki and reference ), the calculator pays taxes from the tIRA, even if after-tax funds are available. I know the ca...
by whaleknives
Sun Mar 23, 2014 4:43 pm
 
Forum: Investing - Theory, News & General
Topic: ORP and Roth Conversions
Replies: 2
Views: 409

Re: Are Rheem gas water heaters good quality?

I think all manufacturers make cheap and quality water heaters, to be competitive. I think you get what you pay for.
by whaleknives
Sun Mar 16, 2014 7:09 pm
 
Forum: Personal Consumer Issues
Topic: Are Rheem gas water heaters good quality?
Replies: 16
Views: 1398

Re: Do I need bond funds if I have real estate?

REIT funds are structured to give share owners the profits of both real estate ownership and income. I don't see a great difference, except that personal ownership is probably less diversified. :)
by whaleknives
Sat Mar 15, 2014 6:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I need bond funds if I have real estate?
Replies: 14
Views: 930

Re: Do I need bond funds if I have real estate?

The Wiki says "REITs, due to the risks involved, should be treated as equity even though they have income-producing characteristics similar to bonds.":

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by whaleknives
Sat Mar 15, 2014 4:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I need bond funds if I have real estate?
Replies: 14
Views: 930

Re: What to put in a taxable account.

This link might work better: Principles of tax-efficient fund placement. I have Vanguard Total International Stock Admiral (VTIAX) and Vanguard Total Stock Admiral (VTSAX) in taxable.
by whaleknives
Sat Mar 15, 2014 3:59 pm
 
Forum: Investing - Theory, News & General
Topic: What to put in a taxable account.
Replies: 9
Views: 907

Re: How did you get through the market crash in 08-09

Continued to max my 60/40 stock/bond 401(k) with payroll deductions. I've shown this history to my kids, encouraging them to start early and not stop. :)

Image
by whaleknives
Sun Mar 09, 2014 11:47 pm
 
Forum: Investing - Theory, News & General
Topic: How did you get through the market crash in 08-09
Replies: 104
Views: 5435

Re: Poll: Do you use the Amazon link here to make purchases?

No, I go to an Amazon employee's site to credit her. (Voted "Other".)
by whaleknives
Sat Mar 08, 2014 5:13 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Do you use the Amazon link here to make purchases?
Replies: 24
Views: 1212

Re: index versus actively managed funds - a case study

Whaleknives asked "Can you give us an idea of the relative transactions between the accounts?" I'm not sure I understand the question. Both accounts are "buy and hold" (so far). The additional active trading that resulted in your increased taxes for "ordinary dividends, qua...
by whaleknives
Fri Mar 07, 2014 8:45 pm
 
Forum: Investing - Theory, News & General
Topic: index versus actively managed funds - a case study
Replies: 10
Views: 1323

Re: index versus actively managed funds - a case study

Whaleknives asked "Can you give us an idea of the relative transactions between the accounts?" I'm not sure I understand the question. Both accounts are "buy and hold" (so far). The additional active trading that resulted in your increased taxes for "ordinary dividends, qua...
by whaleknives
Fri Mar 07, 2014 8:06 pm
 
Forum: Investing - Theory, News & General
Topic: index versus actively managed funds - a case study
Replies: 10
Views: 1323

Re: index versus actively managed funds - a case study

darrellr - Even comparing apples to oranges, I think you have a good demonstration of the increased trading costs in a more active "active" fund. Can you give us an idea of the relative transactions between the accounts?
by whaleknives
Fri Mar 07, 2014 10:58 am
 
Forum: Investing - Theory, News & General
Topic: index versus actively managed funds - a case study
Replies: 10
Views: 1323

Re: your lowest exspense ratio fund in 401

You must mean "0.05% or less". :)
by whaleknives
Fri Mar 07, 2014 10:42 am
 
Forum: Personal Finance (Not Investing)
Topic: your lowest exspense ratio fund in 401
Replies: 31
Views: 1569

Re: Limits on Electronic Funds Transfers?

Maximum dollar limit for ACH transfer?
You'll have to call both Vanguard and the institution you're transferring from.
by whaleknives
Sat Mar 01, 2014 1:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Limits on Electronic Funds Transfers?
Replies: 7
Views: 374

Re: Negative air pressure? [Room ventilation]

You will be fine. . . "Positive" and "negative" pressure are used to describe the relative fan supply and return from a space. If supply is greater than return, then positive; if supply is less than return, then negative. Air not returned is either forced out (transfer grille, d...
by whaleknives
Sat Mar 01, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: Negative air pressure? [Room ventilation]
Replies: 16
Views: 748

Re: Nice couches are pricey, where I can get them for less?

Look at high-end futons, with nice wood frames and inner spring mattresses, then splurge on a custom slipcover.
by whaleknives
Sun Feb 16, 2014 11:38 pm
 
Forum: Personal Consumer Issues
Topic: Nice couches are pricey, where I can get them for less?
Replies: 43
Views: 3099

Re: What is the usual time to do your taxes?

Filed federal and state on 1/25/14 this year, although I started on TurboTax after 12/31/13. My mailed W-2 was the final form; all others are available to me on-line.
by whaleknives
Tue Feb 11, 2014 9:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is the usual time to do your taxes?
Replies: 29
Views: 1881

Re: Umm....anyone else notice aggressive new online ads?

Do you use a Firefox Add-on like Adblock Plus? I don't see any ads at all, signed on to Yahoo or Google.
by whaleknives
Sun Feb 09, 2014 8:07 pm
 
Forum: Personal Consumer Issues
Topic: Umm....anyone else notice aggressive new online ads?
Replies: 14
Views: 998

Re: My kids want a treehouse -

We got away assembling a modest wooden set like this . . .
Image
but it didn't keep our younger daughter from climbing and hanging upside down from much higher trees!
by whaleknives
Sun Feb 09, 2014 2:10 pm
 
Forum: Personal Consumer Issues
Topic: My kids want a treehouse -
Replies: 36
Views: 2533

Re: omg, did I miss the buying opportunity in stocks?

livesoft wrote:. . . I rebalanced on Monday when I hit my rebalancing bands and again on Friday when I hit my rebalancing bands.

Whereas rebalancing with new savings is like watching paint dry. And the market movements are winning. :)
by whaleknives
Sat Feb 08, 2014 2:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: omg, did I miss the buying opportunity in stocks?
Replies: 54
Views: 6417

Re: The Gecko cost me a lot of $. How often to switch car in

It's important to consider not only premium cost but also provider performance. +1. Allstate's game is to pay based on their own estimates, then leave you to find a body shop that will do the work for their price. I've actually seen a sign on a shop wall stating that the business would not do work ...
by whaleknives
Sat Feb 08, 2014 2:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Gecko cost me a lot of $. How often to switch car ins?
Replies: 78
Views: 7677

Re: AARP Membership?

I've found the National Park Service/Forest Service/Bureau of Land Management Senior Pass to be as good as AARP for senior motel discounts. You have to be 62, but it's a one-time $10 fee. The motel clerks seem to be looking for any excuse to give you the discount.
by whaleknives
Sun Feb 02, 2014 3:57 pm
 
Forum: Personal Consumer Issues
Topic: AARP Membership?
Replies: 33
Views: 1572

Re: Cost Analysis: Living in CA vs the South

A site like this might help compare costs.
by whaleknives
Thu Jan 30, 2014 12:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Cost Analysis: Living in CA vs the South
Replies: 79
Views: 5499

Re: Do Bogleheads see this market dip as a buying point?

livesoft wrote:. . . Folks doing the DCA thing, should use this dip to accelerate the DCA thing.
Sorry, I'm still rebalancing into bonds. :)
by whaleknives
Sun Jan 26, 2014 11:34 pm
 
Forum: Investing - Theory, News & General
Topic: Do Bogleheads see this market dip as a buying point?
Replies: 127
Views: 13415

Re: "Oldies" for young people - what's popular?

Possibly from internet streaming radio like Pandora : "With Pandora you can explore this vast trove of music to your heart's content. Just drop the name of one of your favorite songs, artists or genres into Pandora and let the Music Genome Project go. It will quickly scan its entire world of an...
by whaleknives
Sun Jan 26, 2014 10:32 pm
 
Forum: Personal Consumer Issues
Topic: .....
Replies: 38
Views: 3190

Re: 401k or IRA

You can roll your old 401(k)'s into a new employer's 401(k) or an IRA in a personal account with Fidelity or another investment firm. Vanguard discusses it here: See if a 401(k) rollover is right for you : "What you can do ⋅ Move a traditional 401(k) into a traditional IRA, tax-free. ...
by whaleknives
Sun Jan 26, 2014 8:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k or IRA
Replies: 7
Views: 483

Re: very long term perspective

Very nice. How about U.S. Small Cap since 1789? This raises all kinds of style drift questions. :)
by whaleknives
Sun Jan 26, 2014 8:13 pm
 
Forum: Investing - Theory, News & General
Topic: very long term perspective
Replies: 13
Views: 1186

Re: very long term perspective

If you're "comparing the Dow Jones Industrial Average to all the other equity asset classes" only, you might be thinking of this, from The Telltale Chart : Keynote Speech by John C. Bogle, Morningstar Investment Forum, Chicago, June 26, 2002: "1. RTM - Large-Cap Stocks vs. Small-Cap S...
by whaleknives
Sun Jan 26, 2014 7:02 pm
 
Forum: Investing - Theory, News & General
Topic: very long term perspective
Replies: 13
Views: 1186

Re: Check Rejected Due to Low Number

But what if you open a new account and the checks issued start at 101? You don't get the opportunity to request that your checks start at 1001. Yes, you do. Or at least every bank that I've asked for initial checks with my address printed on them has granted my wish. If you don't ask, you don't get...
by whaleknives
Fri Jan 24, 2014 12:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Check Rejected Due to Low Number
Replies: 56
Views: 3616

Re: Vanguard Tax Form Release Schedule (1099-R available now

I've gotten my 1099-DIV, but TurboTax is estimating 1/21 to import. :(
by whaleknives
Sat Jan 18, 2014 7:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Tax Form Release Schedule (1099-R available now)
Replies: 23
Views: 1741

Re: Please Help Clear My Confusion - 401k Allocation Decisio

I predict the recommendation here will be the Choice 1 guaranteed return, and to take your risk in stocks, not junk bonds.
by whaleknives
Sat Jan 18, 2014 3:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please Help Clear My Confusion - 401k Allocation Decision
Replies: 3
Views: 167

Re: 'Bonds = Age - 10' vs Target fund bond allocations

⋅ A recent Boglehead poll on age in bonds: Income/Net Worth and Age in Bonds ⋅  Morningstar's report, Bait and Switch: Glide Path Instability should be required reading for anyone planning to invest in target-date funds. It is clear that target-date funds are all over the map, a...
by whaleknives
Sat Jan 18, 2014 12:35 am
 
Forum: Investing - Help with Personal Investments
Topic: 'Bonds = Age - 10' vs Target fund bond allocations
Replies: 17
Views: 1135

Re: Thermostat adjustments

⋅ You need to know the average outside temp over your heating season, because the heat loss is proportional to the temperature difference from inside to outside. What's the closest city that might report temperature data? ⋅ You're actually using less energy to warm the house tha...
by whaleknives
Wed Jan 15, 2014 11:05 pm
 
Forum: Personal Consumer Issues
Topic: Thermostat adjustments
Replies: 5
Views: 753
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