Search found 239 matches

by One Ping
Fri Aug 18, 2017 11:59 pm
Forum: Forum Issues and Administration
Topic: Home Page Updated
Replies: 42
Views: 2183

Re: Home Page Updated

Apologies. I have enabled pinch-zoom (user scaling is enabled). Thanks LadyGeek. That helps a little ... I like the format on my iPad. It just doesn't work as well on my android phone. I noticed on the iPad that one can hide the explanation/descriptions at the top of the page (more/less) but that b...
by One Ping
Fri Aug 18, 2017 11:16 pm
Forum: Forum Issues and Administration
Topic: Home Page Updated
Replies: 42
Views: 2183

Re: Home Page Updated

LadyGeek wrote:
Fri Aug 18, 2017 11:13 pm
Does rotating the phone in landscape mode help?
Not much ... still not a very friendly display to my eyes.
by One Ping
Fri Aug 18, 2017 11:10 pm
Forum: Forum Issues and Administration
Topic: Home Page Updated
Replies: 42
Views: 2183

Re: Home Page Updated

Wow. Not a fan of the new layout on a mobile device (phone screen). With pinch to zoom/shrink disabled it's extremely difficult to see the list of posts in any coherent way. Have to scroll left to right to make sense of anything and now it seems almost every topic name takes multiple lines which mak...
by One Ping
Thu Aug 17, 2017 3:50 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 407
Views: 55396

Re: Forum software upgrade bug reports and change requests

When I scroll to the bottom of a topic page, there is a link to go back to topic index, but it appears there is not a link to go back to the main board index. In hte past I recall there were 2 links ... one to the board index, and one to the main page index (that which you get from clicking the lin...
by One Ping
Thu Aug 17, 2017 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Active or Indexed for Optimal Risk Management
Replies: 16
Views: 827

Re: Active or Indexed for Optimal Risk Management

I also chuckled at this comment from the MS guy: " Selling stocks in anticipation of an unpredictable major event is risk management. " How does anyone anticipate something that's unpredictable? Yup. This in itself would be enough for me to have had a good laugh and tell him the he clinched the dea...
by One Ping
Tue Aug 15, 2017 10:46 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 407
Views: 55396

Re: Forum software upgrade bug reports and change requests

Ah, I see. Thanks.

Not as convenient as having it at the bottom of the page, but it does get you there. So does the 'back' button on your browser but again ... not as convenient.
by One Ping
Tue Aug 15, 2017 10:30 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 407
Views: 55396

Re: Forum software upgrade bug reports and change requests

What happened to the "Home" button at the bottom left of the thread pages? There is just a "Board Index" button there now, but no "Home" button. I found being able to go directly from a thread page back to the home page extremely useful. I thought it was there right after the update, but now it's go...
by One Ping
Mon Aug 14, 2017 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Filing Restricted SS Application - Language Check
Replies: 19
Views: 954

Re: Filing Restricted SS Application - Language Check

ChrisC wrote:
Mon Aug 14, 2017 4:12 pm
We're all probably guilty of overthinking this situation.
Prolly so ... :sharebeer
by One Ping
Mon Aug 14, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Schedule A Tax Modeling for 2017 >age65
Replies: 9
Views: 716

Re: Schedule A Tax Modeling for 2017 >age65

Often we give/take advice to do tax planning using the previous year's tax software. I want to model the effects of some much larger than usual 2017 potential deductions on Schedule A. This presents a challenge since there will be a significant change in the 2017 Schedule A calculation compared to ...
by One Ping
Mon Aug 14, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Filing Restricted SS Application - Language Check
Replies: 19
Views: 954

Re: Filing Restricted SS Application - Language Check

They called me about some extraneous matter and mentioned in passing what my benefit amount was going to be. It was my full FRA amount! I've forgotten what they called about, but It surely would have been mess if I had not found this out until the first check came. JW Hmmm .... Maybe as a general r...
by One Ping
Sun Aug 13, 2017 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: US Social Security Income Benefit For Non-Citizen?
Replies: 11
Views: 1344

Re: US Social Security Income Benefit For Non-Citizen

It's not from the SSA, but this page has some leads maybe Surprising Facts About Noncitizens and Benefits Apparently, "Being a U.S. citizen isn't a requirement for receiving Social Security. According to the Social Security Administration, noncitizens who are "lawfully in the United States and meet ...
by One Ping
Sun Aug 13, 2017 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Filing Restricted SS Application - Language Check
Replies: 19
Views: 954

Re: Filing Restricted SS Application - Language Check

The Wizard wrote:
Sun Aug 13, 2017 8:14 pm
Go in person, if possible.
I filled restricted for Divorced Spouse two years ago and it worked fine...
I'll call tomorrow and see how far out they are booking, just in case. Thanks.
by One Ping
Sun Aug 13, 2017 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Filing Restricted SS Application - Language Check
Replies: 19
Views: 954

Re: Filing Restricted SS Application - Language Check

I think your statement looks fine. Last year I filed my restricted application online, and used the following statement: "I wish to exclude Retirement benefits from the scope of this application. I wish for my restricted spousal benefit to begin in May, my birthday month. I do not wish to begin my ...
by One Ping
Sun Aug 13, 2017 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Filing Restricted SS Application - Language Check
Replies: 19
Views: 954

Re: Filing Restricted SS Application - Language Check

Maybe make it "exclude retirement benefits ON MY OWN RECORD from the scope...." https://maximizemysocialsecurity.com/how-do-i-file-restricted-application-spousal-benefits-only-online I thought about that, but the explicit language recommended in the POMS didn't reference "on my own record". I ultim...
by One Ping
Sun Aug 13, 2017 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Filing Restricted SS Application - Language Check
Replies: 19
Views: 954

Re: Filing Restricted SS Application - Language Check

I'm getting ready to file sometime in the next several months a restricted application for my spousal benefit. I wanted to check the language I plan on using in the 'Remarks' box of the online application. I've researched several threads on the subject and have arrived at what I believe should cove...
by One Ping
Sun Aug 13, 2017 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Filing Restricted SS Application - Language Check
Replies: 19
Views: 954

Filing Restricted SS Application - Language Check

I'm getting ready to file sometime in the next several months a restricted application for my spousal benefit. I wanted to check the language I plan on using in the 'Remarks' box of the online application. I've researched several threads on the subject and have arrived at what I believe should cover...
by One Ping
Wed Aug 09, 2017 7:33 pm
Forum: Investing - Theory, News & General
Topic: news yesterday that Buffett has $100,000,000,000 in cash now
Replies: 65
Views: 8376

Re: news yesterday that Buffett has 100,000,000,000 in cash now

I read yesterday that Warren Buffett has now in cash $ 100,000,000,000. Berkshire Hathaway has $100M in cash ... not Buffet. Not the same thing. https://www.bloomberg.com/news/articles/2017-08-07/buffett-nears-a-milestone-he-doesn-t-want-100-billion-in-cash I hate to break it to everyone in this th...
by One Ping
Tue Aug 08, 2017 12:34 pm
Forum: Investing - Theory, News & General
Topic: news yesterday that Buffett has $100,000,000,000 in cash now
Replies: 65
Views: 8376

Re: news yesterday that Buffett has 100,000,000,000 in cash now

selftalk wrote:I read yesterday that Warren Buffett has now in cash $ 100,000,000,000.
Berkshire Hathaway has $100M in cash ... not Buffet. Not the same thing.
https://www.bloomberg.com/news/articles ... on-in-cash
by One Ping
Thu Jul 27, 2017 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Timing of 401K Rollover
Replies: 9
Views: 634

Re: Timing of 401K Rollover

Compared to an IRA, your assets are much more protected from lawsuit judgments in a 401k. I'm several years retired and leaving my 401k where it is indefinitely. (It is a good low cost plan so there is no down side.) JW ^^ ... This and this ... vv She may also want to leave the funds in her traditi...
by One Ping
Tue Jul 11, 2017 4:22 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman: The One Fund Every Investor Should Own
Replies: 89
Views: 11797

Re: Paul Merriman: The One Fund Every Investor Should Own

This debating about past performance is a case of taking comments intended and meaningful to one context and misapplying them to a different context. That is what is going to happen as soon as one lowers complex discussions to the level of mantras (synonyms: slogan, motto, maxim, catchphrase, catch...
by One Ping
Tue Jul 11, 2017 12:55 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman: The One Fund Every Investor Should Own
Replies: 89
Views: 11797

Re: Paul Merriman: The One Fund Every Investor Should Own

I think those who rest their case on the “past performance is no guarantee of future returns” mantra concentrate too much on the “ past performance ” part rather than the “ is no guarantee ” part. Guarantee is defined as: “a formal promise or assurance (typically in writing) that certain conditions ...
by One Ping
Mon Jul 03, 2017 12:03 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman: The One Fund Every Investor Should Own
Replies: 89
Views: 11797

Re: Paul Merriman: The One Fund Every Investor Should Own

dbr wrote:Note Merriman does opt for a highly suspect 1/n fallacy where n = 10.

Sorry if this is clear to everyone else, but I'm not familiar with this terminology. Please help me out here ... what does this mean?
by One Ping
Mon Jul 03, 2017 9:44 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman: The One Fund Every Investor Should Own
Replies: 89
Views: 11797

Re: Paul Merriman: The One Fund Every Investor Should Own

I don't think Paul Merriman says SCV is 100% definitely going to outperform the S&P 500 in the future but rather that there is the expectation that it will. Sometimes I think we take the past performance thing too far. After all if past performance doesn't guarantee future returns I don't see h...
by One Ping
Wed Jun 28, 2017 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Reporting for In-Plan Conversion of After-Tax 401k Contributions to Designated Roth 401k
Replies: 9
Views: 574

Re: Tax Reporting for In-Plan Conversion of After-Tax 401k Contributions to Designated Roth 401k

OP here. I never thought of an in-plan 'move' (401k --> Roth 401k) as a rollover. I always thought of it as a conversion and thought of a 401k/Roth 401k --> IRA/Roth IRA as a rollover. Although the plan documentation is at best confusing. Extract from the SPD - "The Plan offers an in-plan Roth ...
by One Ping
Wed Jun 28, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Reporting for In-Plan Conversion of After-Tax 401k Contributions to Designated Roth 401k
Replies: 9
Views: 574

Re: Tax Reporting for In-Plan Conversion of After-Tax 401k Contributions to Designated Roth 401k

Thanks, CppCoder.

Yes, I thought they wouldn't be reported on the 8606 because that was just for IRAs, but i wasnt sure where.

So, it gets rolled into and reported along with the other retirement income reported on 1099-R's, like pensions for example.

Thanks, again ... cheers :sharebeer
by One Ping
Wed Jun 28, 2017 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Reporting for In-Plan Conversion of After-Tax 401k Contributions to Designated Roth 401k
Replies: 9
Views: 574

Tax Reporting for In-Plan Conversion of After-Tax 401k Contributions to Designated Roth 401k

I am considering making an in-plan conversion of my 401k after-tax contributions to a designated Roth 401k account within the same plan. As I understand it from the plan documents and ‘help desk’, doing this will cause the pre-tax earnings on those after-tax contributions to also be converted to the...
by One Ping
Sat Jun 24, 2017 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Yahoo! Price Quote Update Not Working
Replies: 2
Views: 289

Re: Yahoo! Price Quote Update Not Working

Found it! From Bertilak (last November) Yeah, I know this has been discussed many times before. I have even solved this problem to my satisfaction but the solution depends on Yahoo's financial web page, specifically (for example) the following will get the latest quote for VTSAX. It can be used as a...
by One Ping
Sat Jun 24, 2017 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Yahoo! Price Quote Update Not Working
Replies: 2
Views: 289

Yahoo! Price Quote Update Not Working

I'm updating my asset allocation this morning and the spreadsheet where I pull the latest MF price quotes from Yahoo! isn't working. This is the function I'm using: =NUMBERVALUE(WEBSERVICE("http://finance.yahoo.com/d/quotes.csv?s="&B17&"&f=l1")) where cell B17 contain...
by One Ping
Wed Jun 21, 2017 11:21 pm
Forum: Personal Consumer Issues
Topic: Help with Guns in Estate [how to sell]
Replies: 56
Views: 4778

Re: Help with Guns in Estate [how to sell]

Yea guys, just a word of caution here for people that may be dealing with other family member's firearms that aren't well versed in their handling/custodianship. US gun laws are complex, and penalties can be severe for what many would consider to be a minor infraction. One dumb, innocent mistake an...
by One Ping
Wed Jun 21, 2017 9:19 pm
Forum: Personal Consumer Issues
Topic: Help with Guns in Estate [how to sell]
Replies: 56
Views: 4778

Re: Help with Guns in Estate [how to sell]

Wow! Thanks for the education iamlucky13 and whomever. I never thought much about it, but I never would have realized it would have neen this potentially complex. I expect my brother would have just 'tossed' it in the trunk or packed it in his airline bag (hopfully not carry-on! ) and headed home. N...
by One Ping
Wed Jun 21, 2017 5:11 pm
Forum: Personal Consumer Issues
Topic: Help with Guns in Estate [how to sell]
Replies: 56
Views: 4778

Re: Help with Guns in Estate [how to sell]

This thread has got me thinking about my own not too distant future ... When my father in AZ dies (he's 95 so probably not too far off now) my brother in WI will inherit the .22 handgun my dad inherited from his mother 45 or so years ago. This brings up a couple questions to me ... How can my brothe...
by One Ping
Mon Jun 19, 2017 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Earliest/Latest date for making that first RMD a QCD
Replies: 10
Views: 545

Re: Earliest/Latest date for making that first RMD a QCD

Well, it is clear that you want to donate 100k of QCDs in each year. But if these QCDs are less than your RMD, you also need to determine how much taxable income you want in each year for the excess amount. A QCD can be less than, equal to, or more than your RMD. Yes, 100k per year. That is substan...
by One Ping
Mon Jun 19, 2017 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Earliest/Latest date for making that first RMD a QCD
Replies: 10
Views: 545

Re: Earliest/Latest date for making that first RMD a QCD

Yup. No doubt. I will likely start the process within that first week after my 70½-th birthday.
by One Ping
Mon Jun 19, 2017 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Earliest/Latest date for making that first RMD a QCD
Replies: 10
Views: 545

Re: Earliest/Latest date for making that first RMD a QCD

AlanS, thanks for the detailed discussion and examples. While not exactly my situation, it's good to have additional examples to help understanding in the general case.
by One Ping
Mon Jun 19, 2017 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Earliest/Latest date for making that first RMD a QCD
Replies: 10
Views: 545

Re: Earliest/Latest date for making that first RMD a QCD

............................. 1) The first RMD must be taken during the calendar year you turn 70½, however, say for example, say you turn 70½ on 6/1. Can your first RMD be taken in that calendar year before you actually turn 70½ (5/31 or earlier) or do you have to wait until 6/1 or later? yes you ...
by One Ping
Mon Jun 19, 2017 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Earliest/Latest date for making that first RMD a QCD
Replies: 10
Views: 545

Earliest/Latest date for making that first RMD a QCD

I will be using my RMDs to make QCDs after I must start them at age 70½. I have 3 questions regarding the timing of the first RMD, and in this case the first QCD. 1) The first RMD must be taken during the calendar year you turn 70½, however, say for example, say you turn 70½ on 6/1. Can your first R...
by One Ping
Sun Jun 18, 2017 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Guyton-Klinger Portfolio Management Rule Confusion
Replies: 11
Views: 939

Re: Guyton-Klinger Portfolio Management Rule Confusion

siamond, wasn't this one was it? "Blanchett, David M., and Larry R. Frank Sr. 2009. “A Dynamic and Adaptive Approach to Distribution Planning and Monitoring.” Journal of Financial Planning 22 (4): 52–66." Not Klinger, but on a similar subject and in 2009. I've generally always liked the w...
by One Ping
Sun Jun 18, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Guyton-Klinger Portfolio Management Rule Confusion
Replies: 11
Views: 939

Re: Guyton-Klinger Portfolio Management Rule Confusion

I would suggest you focus on more recent writings of theirs, like this article from Jonathan Klinger in 2009. William J. Klinger in 2007 . LOL, you're perfectly right, thank you! I actually had in mind to quote another Klinger article from 2009, but couldn't find it anymore. Oh well. I do wish the ...
by One Ping
Sun Jun 18, 2017 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Guyton-Klinger Portfolio Management Rule Confusion
Replies: 11
Views: 939

Re: Guyton-Klinger Portfolio Management Rule Confusion

I would suggest you focus on more recent writings of theirs, like this article from Jonathan Klinger in 2009. William J. Klinger in 2007 . It seems pretty flimsy that they could just vanish it into thin air without a trace after publishing on it. Why is that? That's what happens sometimes when furt...
by One Ping
Thu Jun 15, 2017 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Curious to odd estate question
Replies: 88
Views: 5490

Re: Curious to odd estate question

It's an interesting mind game. Any idea that includes the word "pay" or "buy" would seem to violate the OP's constraints. Whoever you are paying or buying from benefits! " . . . so no one ( person, institution, Government, Church, Charity ) can benefit from them" Presum...
by One Ping
Tue Jun 13, 2017 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Who takes financial chances and why is this forum so financially conservative?
Replies: 139
Views: 12929

Re: Who takes financial chances and why is this forum so financially conservative?

triceratop wrote:Real mathematical programmers use Fortran. :twisted:

I resemble that remark! :sharebeer
by One Ping
Tue Jun 13, 2017 10:15 am
Forum: Investing - Help with Personal Investments
Topic: which hedge fund does Paul Merriman use?
Replies: 13
Views: 1384

Re: which hedge fund does Paul Merriman use?

And I especially appreciate his "per company" 401k recommendations. This got me started. I was searching for information about Megacorp's plan. I found his recommendations, then read lots of the other materials on his site. That got me going about developing an overall plan. Only later di...
by One Ping
Sun Jun 11, 2017 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: couple questions about SSA (67 vs 70) and breakeven points
Replies: 20
Views: 1806

Re: couple questions about SSA (67 vs 70) and breakeven points

Any info anyone can provide on my previous question (regarding whether the PIA will continue to rise due to inflation alone or due to wage increases or both)? Thanks. Yes, your PIA is subject to cola increases. To the extent a new years annual wages is higher than the lowest of your previous 35 hig...
by One Ping
Sat Jun 10, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: Fourth (and final) report of my bike ride from Amsterdam to Passau
Replies: 2
Views: 357

Re: Fourth (and final) report of my bike ride from Amsterdam to Passau

Sounds like a wonderful trip. Thanks for sharing.

One Ping
by One Ping
Tue Jun 06, 2017 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Bug in the online SS benefit calculator?
Replies: 17
Views: 1272

Re: Bug in the online SS benefit calculator?

Looks like Januarys (Januaries?) and age 70 are the sweet spots--less delay in picking up all of your delayed credits. Yes. We don't really need SS right now so the plan is to wait until 70. However, if we were to decide to claim before then (just for grins let's say), we would do it in January. ET...
by One Ping
Tue Jun 06, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Bug in the online SS benefit calculator?
Replies: 17
Views: 1272

Re: Bug in the online SS benefit calculator?

Does the following help? Hmm. I don't see the relevance. So far, I prefer whaleknives' theory that the calculator is rounding off claiming ages to 6 month intervals. SScritic's provided reference gives a clue. The last line in the quoted text mentions that something (what?) does not happen until Ja...
by One Ping
Sun Jun 04, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Third report from my bike tour from Amsterdam to Passau
Replies: 6
Views: 747

Re: Third report from my bike tour from Amsterdam to Passau

Raybo, I really appreciate the little clues you provide in your narrative that help pin down a little closer the route(s) you are following. Hope you are having fun! I actually track my tour with an app called, surprisingly, trackMyTour! You can see my current route here: Amsterdam To Passau m Note...
by One Ping
Sat Jun 03, 2017 5:24 pm
Forum: Personal Consumer Issues
Topic: Third report from my bike tour from Amsterdam to Passau
Replies: 6
Views: 747

Re: Third report from my bike tour from Amsterdam to Passau

For those following Raybo, I've tried to decipher his route using clues in his narrative and Google Maps in bicycle mode. For better or worse here is what I have for his first three posts ... First Report Amsterdam to Aachen Second Report Aachen to Clervaux Clervaux to Baden-Baden Third Report Baden...
by One Ping
Thu May 25, 2017 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: How to calculate the top of the 15% bracket?
Replies: 23
Views: 2460

Re: How to calculate the top of the 15% bracket?

livesoft wrote:If you go over, what happens?

Exactly. Not that serious ...

If your taxable income goes over the top of the 15% bracket by $100 you only end up paying $10 more in tax because you ended up in the 25% bracket instead of being ending up in the 15% bracket.