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Re: Cost for exchanges between funds?

In general, no, but there are some funds with purchase or redemption fees: " Purchase and redemption fees : Very few Vanguard funds charge fees when you buy and sell shares. The fees are designed to help those funds cover higher transaction costs and protect long-term investors by discouraging ...
by whaleknives
Thu Apr 23, 2015 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cost for exchanges between funds?
Replies: 2
Views: 233

Re: How much do you pay in Property Taxes?

The on-theme point is that this is a pointless thread, every state and local community has wildly different funding structures. :thumbsup Now you're making me feel bad. I tried to think of a way to normalize results, but you'd have to consider not only the total state tax burden, but also the total...
by whaleknives
Thu Apr 23, 2015 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 173
Views: 7647

Re: The real reason for the flash crash?

Uh-oh, is it illegal to submit a bid that you intend to cancel before execution? Suppose I submit a bid to buy VTI at $50 tomorrow. Then I cancel it 1 hour later. Is that illegal? It looks like the suspect was busier than that, making $40 million over the last 5 years. :D According to the complaint...
by whaleknives
Tue Apr 21, 2015 6:06 pm
 
Forum: Investing - Theory, News & General
Topic: The real reason for the flash crash?
Replies: 5
Views: 943

Re: Can't get excited about bond funds

. . . If you want safety in a portfolio wouldn't you do just as well having your bond percentage in cash? No fluctuations in share price or taxable dividends. . . . Compare the boring Total Bond fund (VBTLX) to the Money Market fund (VMMXX), with CD ladders somewhere in between, I guess: http://i58...
by whaleknives
Tue Apr 21, 2015 11:49 am
 
Forum: Investing - Theory, News & General
Topic: Can't get excited about bond funds
Replies: 19
Views: 1521

Re: How to pay real estate tax with Target Redcard

The Magic 8-Ball says "Cannot predict now". The prepaid REDCard promises electronic transfers to stored payees, but doesn't go into detail. Does your city website ask for routing and account numbers to set up electronic transfers, and does your REDCard account have them? My city requires t...
by whaleknives
Mon Apr 20, 2015 7:32 pm
 
Forum: Personal Consumer Issues
Topic: How to pay real estate tax with Target Redcard
Replies: 50
Views: 3852

Re: Consequences of paying real estate tax with Target Redca

Is your REDCard a debit card or a Visa credit card? Either way, it looks like you'd pay the processing fees. I don't see an option where Target will issue a check, as some bank or credit union accounts offer.
by whaleknives
Mon Apr 20, 2015 6:10 pm
 
Forum: Personal Consumer Issues
Topic: How to pay real estate tax with Target Redcard
Replies: 50
Views: 3852

Re: [Poll] regarding Keeping that old 401k.

"Other". I had a 401(k) that I rolled over to a traditional IRA as soon as possible.
by whaleknives
Sun Apr 19, 2015 5:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Poll] regarding Keeping that old 401k.
Replies: 5
Views: 443

Re: Undo "mark topics read"

I've been searching the Forum's FAQ and posts without anything definitive. You might try "Delete all board cookies" at the bottom of the page, then logging back in. Eventually someone more knowledgeable will reply! :D
by whaleknives
Mon Apr 13, 2015 7:31 pm
 
Forum: Forum Issues and Administration
Topic: Undo "mark topics read"
Replies: 2
Views: 256

Re: Home Health Vehicle(Possible diesel?)

Is cold climate a factor? I knew someone with a diesel VW Rabbit who complained about starting, even with the factory glow plug. They may have improved by now.
by whaleknives
Mon Apr 13, 2015 11:06 am
 
Forum: Personal Consumer Issues
Topic: Home Health Vehicle(Possible diesel?)
Replies: 5
Views: 514

Re: Paying State taxes online

My state website has menu selections for Individuals > Pay online, then drop down menus letting you select Tax Type "Individual Income Tax" and Payment Type "Estimated Payment". It seems redundant, compared to yours.

Why not call the office on Monday?
by whaleknives
Sun Apr 12, 2015 2:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying State taxes online
Replies: 11
Views: 831

Re: How should I name my home Wi-Fi network?

Jack FFR1846 wrote:
Angelus359 wrote:FBI surveillance van #42
FBI surveillance van is actually one of the most common names. My son named one of our wifi's this when he was 13.

Yes, but it works better with "42".
by whaleknives
Sun Apr 12, 2015 12:42 pm
 
Forum: Personal Consumer Issues
Topic: How should I name my home Wi-Fi network?
Replies: 55
Views: 4513

Re: VBTLX questions

Here's what you're missing. Would you rather have a 100% stock portfolio doing this: http://i61.tinypic.com/214nxmv.jpg Or would you like part of your portfolio to do this: http://i59.tinypic.com/2h6810o.jpg I just love looking at VBTLX during the Great Recession.
by whaleknives
Sat Apr 11, 2015 11:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: VBTLX questions
Replies: 6
Views: 733

Re: How does this site make money?

You may still be right on the bank account transactions. I don't know if PayPal considers Bogleheads "friends and family". :) Sending money to friends and family is free for you and the recipient in the US when you fund the transfer with your bank account or PayPal balance. You can also us...
by whaleknives
Sat Apr 11, 2015 2:47 pm
 
Forum: Forum Issues and Administration
Topic: How does this site make money?
Replies: 39
Views: 5393

Re: How does this site make money?

Actually, PayPal charges the nonprofit 2.2% to 2.9% + transaction fee to process donations. From their site: How can my charity or nonprofit use PayPal to collect donations? . . . There are no monthly or set-up fees with donation button transactions. Your organization only pays processing fees when ...
by whaleknives
Sat Apr 11, 2015 12:49 pm
 
Forum: Forum Issues and Administration
Topic: How does this site make money?
Replies: 39
Views: 5393

Re: Sniff test on this portfolio?

Have you ever used Morningstar Instant X-Ray to look at a portfolio? This is yours, with MainStay Large Cap Growth C rounded to 36%: http://i57.tinypic.com/241oz21.jpg http://i62.tinypic.com/2z55b4g.jpg http://i61.tinypic.com/oizq4k.jpg First impressions: Stocks: 79% of portfolio, 19% non-U.S. (24% ...
by whaleknives
Thu Apr 09, 2015 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sniff test on this portfolio?
Replies: 10
Views: 1108

Re: making the switch to Ally Bank

⋅ Ally savings accounts are limited to 6 free online withdrawals and transfers per month, which can prevent setting up multiple automatic transactions: "You can always call us and request a check made out to you. You can also make unlimited deposits. But, Federal law limits other ele...
by whaleknives
Wed Apr 08, 2015 2:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: making the switch to Ally Bank
Replies: 51
Views: 4143

Re: Roth IRA Distributions

From Figure 2.1 in IRS Publication 590-B (2014), Distributions from Individual Retirement Arrangements (IRAs); all you need are the first two Yes's:

Image
by whaleknives
Wed Apr 08, 2015 12:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Distributions
Replies: 2
Views: 398

Re: Second Opinions Requested?

sonos wrote:. . . Asset Allocations 50/50 . . .

looks like portfolio stocks/bonds.
by whaleknives
Wed Apr 08, 2015 11:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Second Opinions Requested?
Replies: 7
Views: 687

Re: LOL how long do you keep old tax returns

joe8d wrote:
JimmyfromSunPrairie wrote:This is proof of my income that will determine my SS benefit when that day will come. I have them back into the 1970's.
You only need to keep your W-2's for that.

If you review your Social Security earnings record, you only need to save back to the last review.
by whaleknives
Sat Apr 04, 2015 9:07 pm
 
Forum: Personal Consumer Issues
Topic: LOL how long do you keep old tax returns
Replies: 39
Views: 3167

Re: A Social Security question

Remarriage affects survivor qualification, too: Effect of Remarriage-Widow(er)'s Benefits.
by whaleknives
Sun Mar 29, 2015 8:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: A Social Security question
Replies: 10
Views: 1428

Re: A Social Security question

"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 age, they are reduced a fraction of a percent for each month before full retirement age." "If a person receives widow's or widower's ...
by whaleknives
Sun Mar 29, 2015 8:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: A Social Security question
Replies: 10
Views: 1428

Re: Reverse mutual fund lookup?

Morningstar is limited to the top 25 holdings, but Vanguard will list all. For the Vanguard Total Stock Market Index Fund it would require searching through 76 pages on the website, though.
by whaleknives
Sun Mar 29, 2015 7:33 pm
 
Forum: Investing - Theory, News & General
Topic: [finding which mutual funds invest in a given stock]
Replies: 9
Views: 686

Re: Vanguard target fund vs age in bonds

Even conservative target retirement fund glide paths are more aggressive than "age in bonds" until about 48 years.
by whaleknives
Thu Mar 26, 2015 4:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard target fund vs age in bonds
Replies: 12
Views: 1494

Re: Converted to Roth TSP and my taxes doubled!!

Looking at my federal withholding on my payroll website, it only gives me the option to increase my dependents and add a specific dollar amount for extra withholding. I have 0 dependents and I'm not married. How would I adjust it to get less money taken out? Can I just up the number of exemptions e...
by whaleknives
Thu Mar 26, 2015 2:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Converted to Roth TSP and my taxes doubled!!
Replies: 17
Views: 1724

Re: Converted to Roth TSP and my taxes doubled!!

That makes sense on the witholding going up and not the taxes. By all means, change your withholding to the minimum required (90% of this year's tax or 100% of last year's) to avoid penalties . But you will pay more tax now with a Roth than a traditional IRA; you can pay them now (with the Roth), o...
by whaleknives
Thu Mar 26, 2015 2:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Converted to Roth TSP and my taxes doubled!!
Replies: 17
Views: 1724

Re: Converted to Roth TSP and my taxes doubled!!

Compare your statements' taxable incomes. The traditional IRA postpones income tax until withdrawal, lowering your taxable income. Roth IRA deposits are taxed when earned.
by whaleknives
Thu Mar 26, 2015 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Converted to Roth TSP and my taxes doubled!!
Replies: 17
Views: 1724

Re: Financial Engines

I like Financial Engines. The aggregating of account totals makes it easy to use, and the results seem to match FIRECalc for my scenarios.
https://www.bogleheads.org/forum/viewtopic.php?f=2&t=160359&hilit=+engines#p2406686
by whaleknives
Tue Mar 24, 2015 10:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial Engines
Replies: 2
Views: 410

Re: Free Credit Report

One free report annually from each of the three major credit agencies is available from AnnualCreditReport.com.
by whaleknives
Tue Mar 24, 2015 6:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Free Credit Report
Replies: 8
Views: 862

Re: Vanguard HealthCare Fund

I have held Vanguard Health Care Fund Investor (VGHCX) as a bit of mental accounting with a class settlement, chasing returns. Based on postings, others here have also.
by whaleknives
Tue Mar 24, 2015 6:09 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 68
Views: 6200

Re: Measuring duct volume and/or temperature

Traditionally, the flow velocity and temperature are measured in a branch duct from a test port (i.e., hole) upstream of the outlet grille. The pressure drop across grilles and grille dampers can have a great effect on the flow.

The temp you can measure with any probe that fits through the grille.
by whaleknives
Tue Mar 24, 2015 6:00 pm
 
Forum: Personal Consumer Issues
Topic: Measuring duct volume and/or temperature
Replies: 6
Views: 508

Re: Mysterious Vanguard Security Code

Lynn, do you by any chance use aggregation software, like Mint? The software logging in might account for what you saw. Yes, I do use Mint, so maybe that's it. It still seems odd though, because I've used the text code since shortly after it was offered and don't remember this happening before. Hop...
by whaleknives
Sun Mar 22, 2015 5:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mysterious Vanguard Security Code
Replies: 18
Views: 1863

Re: Urgent Care Centers - When should they be used?

Your medical insurer probably has recommendations (or requirements) for you. Mine says ⋅ Emergency care is care for medical conditions that will likely result in serious jeopardy to a person’s health or that of an unborn child. Examples of conditions requiring emergency care include: choki...
by whaleknives
Sun Mar 22, 2015 12:38 pm
 
Forum: Personal Consumer Issues
Topic: Urgent Care Centers - When should they be used?
Replies: 45
Views: 3777

Re: Restaurant Tipping, No Waiter/Waitress

Based on my Chilis experience, I don't think you'll have the option of no server. You're only bypassing the order taking, but drinks and food are still brought to your table and you have a dedicated server. You'll still have the opportunity for variable service and tipping accordingly. :D
by whaleknives
Sat Mar 21, 2015 8:42 pm
 
Forum: Personal Consumer Issues
Topic: Restaurant Tipping, No Waiter/Waitress
Replies: 18
Views: 2879

Re: Total Stock Market composition

Not very much: 1% from mid cap to large cap growth. Page down to the Holdings Style box.
http://portfolios.morningstar.com/fund/summary?t=VTSAX&region=usa&culture=en-US
by whaleknives
Fri Mar 20, 2015 8:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market composition
Replies: 6
Views: 723

Re: Our new voice land line keeps getting FAX calls.

I had this problem with a new landline number after moving. Two years prior the number belonged to a flooring company, and I would get voice calls for them. One caller refused to believe me, and kept calling until I asked him to check the date of his phone book. It was 3 years old. At least I could ...
by whaleknives
Tue Mar 17, 2015 3:18 pm
 
Forum: Personal Consumer Issues
Topic: Our new voice land line keeps getting FAX calls.
Replies: 11
Views: 1084

Re: Social Security Website's "Online Calculator"

The Social Security Online Calculator "retirement benefit" matches my benefit for the specific "Age at retirement" entered: Current, FRA or 70 years, with "Today's dollars" selected. Since it only gives you one benefit amount for each calculation, you have to enter diff...
by whaleknives
Tue Mar 17, 2015 2:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Website's "Online Calculator"
Replies: 8
Views: 790

Re: Book title? Subject:Colorado cabin with PV and wind turb

This was the only book author I came across. There seem to be a LOT of magazine links. ⋅  Crafting Log Homes Solar Style: An Inspiring Guide to Self-Sufficiency Paperback – March 21, 2008 by Rex A. Ewing and LaVonne Ewing (Author) "Follow the authors' journey of handcrafting an off-th...
by whaleknives
Mon Mar 16, 2015 6:29 pm
 
Forum: Personal Consumer Issues
Topic: Book title? Subject:Colorado cabin with PV and wind turbine
Replies: 2
Views: 255

Re: Bonds — The U.S. As a High-Yielding Country?

One economist has discussed this recently here and here : . . . what explains our relatively high interest rates? Well, let’s compare with Germany, also perceived as almost completely safe — but paying much lower interest. Why? The crucial point here is that German bonds are denominated in euros, wh...
by whaleknives
Sun Mar 15, 2015 11:33 am
 
Forum: Investing - Theory, News & General
Topic: Bonds — The U.S. As a High-Yielding Country?
Replies: 21
Views: 2296

Re: Edward Jones - A Detrimental Option for Investors

Amazingly, Fortune magazine ranks Edward Jones in 6th place among the "100 Best Companies To Work For" , while at the same time one of the " 'Best Companies' with the most job openings" . The best company ranking is based on employee surveys. Over half of the open positions are f...
by whaleknives
Sun Mar 15, 2015 10:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Edward Jones - A Detrimental Option for Investors
Replies: 13
Views: 2488

Re: Are Bogleheads by definition Hayek-ians?

I think applying economic theory to investing is comparing apples and oranges. But for economics and business cycle theory I would have to go with Keynes, Krugman , and yes, Friedman , who said: "I think the Austrian business-cycle theory has done the world a great deal of harm. If you go back ...
by whaleknives
Sat Mar 14, 2015 7:58 pm
 
Forum: Investing - Theory, News & General
Topic: Are Bogleheads by definition Hayek-ians?
Replies: 6
Views: 873

Re: Retirement Issues: Life Expectancy

The Wiki has a section of Life Expectancy Calculators, but no active links. Here are some links with reviews:
I have no personal experience with how good any are. :)
by whaleknives
Sat Mar 14, 2015 1:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Issues: Life Expectancy
Replies: 24
Views: 2299

Re: Dip? What Dip? Did you catch it?

I never got outside my 5% portfolio/25% allocation bands. Maybe next dip.
by whaleknives
Thu Mar 12, 2015 10:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 134
Views: 12583

Re: SSA Retirement Estimator

The Retirement Estimator is working for me, and does not require signing in. Since you have an online account, if you sign in you will see your benefits with earnings through 2014. Do any of these apply to you? "You can use the Retirement Estimator if: ⋅ You have enough Social Securit...
by whaleknives
Tue Mar 10, 2015 11:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: SSA Retirement Estimator
Replies: 6
Views: 1074

Re: financial engines on vanguard site?

This Vanguard Financial Engines link opens in a new window in about 3 seconds.
by whaleknives
Sat Mar 07, 2015 6:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: financial engines on vanguard site?
Replies: 5
Views: 851

Re: How long did you stay in your starter home?

kenyan wrote:What's a starter home?

:thumbsup 2 years. You can't predict how long you'll stay anywhere.
by whaleknives
Sat Mar 07, 2015 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long did you stay in your starter home?
Replies: 87
Views: 4883

Re: Vanguard's retirement calculator: meh

Vanguard also offers the program Financial Engines , now called a "Personal Online Advisor, powered by Financial Engines". It's free to Vanguard customers at any level, I think, and you might find it more useful. Financial Engines uses a Monte Carlo simulation to calculate a range of annua...
by whaleknives
Sat Mar 07, 2015 12:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard's retirement calculator: meh
Replies: 1
Views: 713

Re: ammunition stocks or funds?

These are members of the Sporting Arms and Ammunition Manufacturers' Institute. If you also want military, you'll have to edit this group - some are Army Ammunition Plants, and others haven't been around since 1860.
by whaleknives
Thu Mar 05, 2015 7:35 pm
 
Forum: Investing - Theory, News & General
Topic: ammunition stocks or funds?
Replies: 11
Views: 1108

Re: Retiree Poll: Satisfaction with retirement

Very satisfied : 1. Control of my time. 2. Control of my environment. 3. Control of my health. 4. Elimination of stressors. 5. Defining meaningful projects. 6. More rewarding travel. 7. Financial independence. 8. Intellectual satisfaction. :thumbsup Only retired 2 months, and already enjoying every...
by whaleknives
Mon Mar 02, 2015 5:11 pm
 
Forum: Personal Consumer Issues
Topic: Retiree Poll: Satisfaction with retirement
Replies: 53
Views: 4165

Re: What source do you use for nursing care feedback?

I would try all the tools you've mentioned, but then for your short list:
  1. Ask some questions of the home health agency.
  2. Get a reference list of current clients and family contacts, and ask them about their experiences.
by whaleknives
Mon Mar 02, 2015 4:30 pm
 
Forum: Personal Consumer Issues
Topic: What source do you use for nursing care feedback?
Replies: 6
Views: 511
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