Search found 837 matches

by whaleknives
Sun Jul 24, 2016 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for Social Security while receiving a spousal benefit
Replies: 6
Views: 484

Re: Applying for Social Security while receiving a spousal benefit

Here's the SSA requirements for online application: "You can apply online for retirement benefits or benefits as a spouse if you: ⋅ are at least 61 years and 9 months old; ⋅ are not currently receiving benefits on your own Social Security record; ⋅  have not alread...
by whaleknives
Sun Jul 24, 2016 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for Social Security while receiving a spousal benefit
Replies: 6
Views: 484

Re: Applying for Social Security while receiving a spousal benefit

SSA actual recommends applying online, but they're shutting down for maintenance in 12 minutes. :D

You'll find some recommended wording to get full delayed retirement credits and avoid retroactive lump sums in the Wiki section Social Security application.
by whaleknives
Fri Jul 22, 2016 6:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. Stock Market Increasingly Detached from U.S. Economy
Replies: 19
Views: 2364

Re: U.S. Stock Market Increasingly Detached from U.S. Economy

While the U.S. stock market is often considered a bellwether of the U.S. economy — and many investors concentrate their equity allocations on U.S. stocks specifically for exposure to the U.S. economy — it’s apparent there’s an increasing disconnect between U.S. companies and the domestic economy. ....
by whaleknives
Fri Jul 22, 2016 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help
Replies: 9
Views: 467

Re: Portfolio Help

81% TISPX and 19% TISEX will come within 1-3% of the VG Total Stock Market in all style grids (see Approximating total stock market and Morningstar Instant X-Ray ). That gives you the diversified, low-cost, mostly index portfolio below, with 21% Bond/79% Stock and 14% International Stock. No need, a...
by whaleknives
Fri Jul 22, 2016 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) Contribution Help
Replies: 4
Views: 314

Re: 401k Contribution Help

The tickers would help pin down the fund holdings. But your asset allocation is subjective, and you'll have to tell us. Have you taken something like the Vanguard Investor Questionnaire? It considers investment objectives, experience, time horizon, risk tolerance, and financial situation.
by whaleknives
Fri Jul 22, 2016 9:55 am
Forum: Personal Consumer Issues
Topic: Trouble with M* Site this Morning???
Replies: 4
Views: 276

Re: Trouble with M* Site this Morning???

No delays or missing info here at 9:53 CDT.
by whaleknives
Mon Jul 18, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: Electric Scooter?
Replies: 54
Views: 4000

Re: Electric Scooter?

acanthurus wrote:. . . Cool, I have a Specialized too! Rockhopper to be specific. It didn't impart any knowledge to me about ICE powered two-wheelers though. Perhaps yours is different.

No, I have to rely on a mechanical engineering degree for that. :D
by whaleknives
Mon Jul 18, 2016 10:48 am
Forum: Personal Consumer Issues
Topic: Electric Scooter?
Replies: 54
Views: 4000

Re: Electric Scooter?

acanthurus wrote:
whaleknives wrote:It's time to slowly reread the original post and reconsider your advice (emphasis added):

Serious question - what do you ride?

Image

Mine's a little older.
by whaleknives
Mon Jul 18, 2016 9:55 am
Forum: Personal Consumer Issues
Topic: Electric Scooter?
Replies: 54
Views: 4000

Re: Electric Scooter?

It's time to slowly reread the original post and reconsider your advice (emphasis added): My wife would like to get a scooter for our vacation home. We wouldn't be going far - just around town, to the beach, to shopping, etc. The local roads are not fast at all, so the scooters don't have trouble ke...
by whaleknives
Sun Jul 17, 2016 11:29 pm
Forum: Personal Consumer Issues
Topic: Electric Scooter?
Replies: 54
Views: 4000

Re: Electric Scooter?

TimeRunner wrote:The thread is kinda all over the map, but if I was looking at a small motorcycle, this one is pretty cool: https://www.kawasaki.com/Products/2017-Z125-PRO# . It's Kawasaki's answer to the Honda Grom.

Yes -- we've gone from a 49-cc scooter to a 125-cc motorcycle. :D
by whaleknives
Sun Jul 17, 2016 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: Just got back from Europe...ready to sell my International...
Replies: 82
Views: 9333

Re: Just got back from Europe...ready to sell my International...

It's worth bookmarking the Callan periodic table in the Wiki to see how the highest ranking sectors change over time. The highest were MSCI Emerging Markets, as recently as 2012 and 2009, MSCI Emerging Markets and EAFE (developed Europe, Australasia and Far East), from 2005 to 2007, MSCI Emerging Ma...
by whaleknives
Sat Jul 16, 2016 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to save for retirement without 401K
Replies: 10
Views: 917

Re: How to save for retirement without 401K

uclalee wrote:. . . My initial thoughts are to contribute the max pre-tax to a traditional IRA over the first six months of the year. . .

Two IRA's, one for you and your wife.
by whaleknives
Fri Jul 15, 2016 4:55 pm
Forum: Investing - Theory, News & General
Topic: How do I approximate Total US Stock Market Index using...
Replies: 3
Views: 487

Re: How do I approximate Total US Stock Market Index using...

If this is a real life question, note that the performance of the total stock market is very well modeled by the S&P500 alone. You could just use that fund/etc and be done with it. If you feel the need to add mid and small caps, watch the fees. Many funds in this space charge so much that it wo...
by whaleknives
Fri Jul 15, 2016 10:03 am
Forum: Personal Consumer Issues
Topic: Used car - when different model years are the same car?
Replies: 11
Views: 765

Re: Used car - when different model years are the same car?

Edmunds.com seems to agree. For a black Toyota Camry LE sedan, 2.2L 4-cyl auto with 50,000 miles in average condition, the private sale value was $1850 for the '97 and $2570 for the '01. Of course, I don't know if the "average" condition for a 4-year-older car is the same, even with the s...
by whaleknives
Thu Jul 14, 2016 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: How diverse is diverse?
Replies: 11
Views: 747

Re: How diverse is diverse?

Diverse is 3660 stocks covering the Total US Stock Market, no matter how much of it you own.
by whaleknives
Wed Jul 13, 2016 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: Pull out of market?
Replies: 56
Views: 5245

Re: Pull out of market?

. . . Taylor Larimore took the trouble to assemble a collection of advice from 76 different experts , saying you should not try to time the market. You should, seriously, just take a moment and look at it. You don't need to read all 76, just a few. By the way I just made up the number 76. I didn't ...
by whaleknives
Mon Jul 11, 2016 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Best choice for work-401k ex Vanguard
Replies: 7
Views: 328

Re: Best choice for work-401k ex Vanguard

These Wiki pages discuss Boglehead-style investing at the two firms: ⋅  Charles Schwab ⋅  Fidelity It seems that the market is getting more competitive: Fidelity Just Made Buying an Index Fund Vanguard-Cheap , Money manager to slash prices on more than two dozen funds, putting fe...
by whaleknives
Sat Jul 09, 2016 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: SS benefit question
Replies: 26
Views: 1114

Re: SS benefit question

ObliviousInvestor wrote:If the husband files early for reduced retirement benefits, yes, that would reduce the amount the wife could receive as his widow.

Sorry, that was not my understanding from the SS site. I guess I'll have to stop interpreting it. :D
by whaleknives
Sat Jul 09, 2016 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: SS benefit question
Replies: 26
Views: 1114

Re: SS benefit question

It appears that his SS would be reduced by 30% if he retires at 62 ($1500 * .7 = $1050). Does this mean that her survivor benefit would be limited to $1050, regardless of his age of death? Yes. Perhaps a better strategy would be for him to defer SS until 70, which will maximize his own benefit as w...
by whaleknives
Sat Jul 09, 2016 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: SS benefit question
Replies: 26
Views: 1114

Re: SS benefit question

"If he or she begins receiving benefits: ⋅  between age 62 and their full retirement age , the amount will be permanently reduced by a percentage based on the number of months up to his or her full retirement age. If your spouse is under full retirement age and: ⋅ works whi...
by whaleknives
Sat Jul 09, 2016 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: SS benefit question
Replies: 26
Views: 1114

Re: SS benefit question

However, taking SS benefits early can permanently reduce the spouse's potential survivor benefit. I checked the SS website. It appears that his SS would be reduced by 30% if he retires at 62 ($1500 * .7 = $1050). Does this mean that her survivor benefit would be limited to $1050, regardless of his ...
by whaleknives
Sat Jul 09, 2016 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: SS benefit question
Replies: 26
Views: 1114

Re: SS benefit question

"If he or she begins receiving benefits: ⋅  between age 62 and their full retirement age , the amount will be permanently reduced by a percentage based on the number of months up to his or her full retirement age. If your spouse is under full retirement age and: ⋅ works whil...
by whaleknives
Thu Jul 07, 2016 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: S&P only good fund in my 401k. Worth investing less in 401k and more in taxable account?
Replies: 8
Views: 528

Re: S&P only good fund in my 401k. Worth investing less in 401k and more in taxable account?

Are you sure you'll stay with this employer for 30 years? I wouldn't pass on the 401(k)'s tax-advantaged savings, and John Bogle says the S&P 500 alone is fine. Of course, his first example of reversion to the mean is Large-Cap Stocks vs. Small-Cap Stocks . The Wiki recommendation for a problem ...
by whaleknives
Thu Jul 07, 2016 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: To TIPS or Not to TIPS
Replies: 45
Views: 3820

Re: To TIPS or Not to TIPS

http://quotes.morningstar.com/chart/fun ... A%5B%5D%7D Look at this chart (the longest available Morningstar comparison between the Vanguard TIPS fund and total bond market) and tell me again, what's wrong with TIPS? Over the last 10 years Vanguard Total Bond has beaten both VG TIPS and my option, ...
by whaleknives
Thu Jul 07, 2016 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone know exactly how to calculate the decrease in SS benefits after the death of one spouse?
Replies: 1
Views: 462

Re: Does anyone know exactly how to calculate the decrease in SS benefits after the death of one spouse?

Social Security Quick Calculator and Detailed Calculator (AnyPIA) will provide survivor benefits based on a specific spouse's earnings record; AnyPIA is recommended by Social Security as more accurate. Or you can look at this information on survivor benefits . You can receive benefits as a widow, wi...
by whaleknives
Wed Jul 06, 2016 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: To TIPS or Not to TIPS
Replies: 45
Views: 3820

Re: To TIPS or Not to TIPS

I started with a TIPS fund (PIMCO Real Return Fund Institutional Class PRRIX) in 2003 based on the recommendation of the new 401(k) provider, and changed to Vanguard Total Bond when it became available. TIPS was not helpful in the low inflation environment then and since.
by whaleknives
Wed Jul 06, 2016 10:38 am
Forum: Personal Finance (Not Investing)
Topic: What do I need to know about billing before a medical procedure?
Replies: 41
Views: 2810

Re: What do I need to know about billing before a medical procedure?

. . . What are the legal rules that determine the contracting between the patient and the provider if the patient does not have the capability to consent to a contract at the time? . . . Here are some cases on exceptions to informed consent in emergency medicine: http://www.turner-white.com/pdf/hp_...
by whaleknives
Wed Jul 06, 2016 10:26 am
Forum: Personal Consumer Issues
Topic: Considering Big move to Texas Hill Country (Round Rock/Georgetown area)
Replies: 55
Views: 2939

Re: Considering Big move to Texas Hill Country (Round Rock/Georgetown area)

. . . Renting - We have discussed this. It would be a very logical thing to do. My only worry is that we could abandon ship too quickly if we don't have any skin in the game whereas a home gives us further incentive to try to make it work by really involving ourselves with the people and surroundin...
by whaleknives
Tue Jul 05, 2016 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: SSA Spousal: what basis for the 50% computation?
Replies: 8
Views: 713

Re: SSA Spousal: file at FRA or 70?

I think her maximum benefit (before GPO) will be 50% of your Primary Insurance Amount (PIA) at your Full Retirement Age (FRA). In other words, the spouse benefit does not increase with delayed retirement credits. Also, you would have to file for your wife to get spouse benefits; if you wait until 70...
by whaleknives
Tue Jul 05, 2016 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: What do I need to know about billing before a medical procedure?
Replies: 41
Views: 2810

Re: What do I need to know about billing before a medical procedure?

. . . What are the legal rules that determine the contracting between the patient and the provider if the patient does not have the capability to consent to a contract at the time? I was wondering if someone can point me to a reference - law review article or its ilk - that goes over the legal logi...
by whaleknives
Tue Jul 05, 2016 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: What do I need to know about billing before a medical procedure?
Replies: 41
Views: 2810

Re: What do I need to know about billing before a medical procedure?

If the procedure is elective, you can discuss cost and insurance in advance with the business offices of both the physician and facility. They should be able to give you an estimate for out-of-pocket costs, contacting your insurance provider if necessary. You can also discuss avoiding out-of-network...
by whaleknives
Fri Jul 01, 2016 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: HSBC Treating me like a Criminal
Replies: 62
Views: 4252

Re: HSBC Treating me like a Criminal

Sounds to me that they are just complying with AML. The 9k cash deposit triggered their systems as it was just under the 10k reporting threshold. They're just making sure it us from legal sources. I'd still make a ruckus though. Wait a minute! If the threshold is $10K, why would this trigger their ...
by whaleknives
Fri Jul 01, 2016 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Can i Approximate vanguard total [international] stock market
Replies: 11
Views: 1007

Re: Can i Approximate vanguard total stock market

Vanguard Total International Stock Index Fund Investor Shares (VGTSX) is 4% small-cap. Vanguard Developed Markets Index Fund (VTMGX) is 3% small-cap. Vanguard International Value Fund (VTRIX) is 2% small-cap. Not identical but very close. Vanguard Total International Stock Index Fund Investor Share...
by whaleknives
Fri Jul 01, 2016 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Anypia pros, help needed [Social Security benefits calculator]
Replies: 7
Views: 493

Re: Anypia pros, help needed

Social Security's Online Calculator and Retirement Estimator are poor second choices. Both assume that you file for benefits the year you stop working, or 62 if earlier than that. You have to calculate and enter an average annual earnings number from now until you file. It really is best to use AnyP...
by whaleknives
Fri Jul 01, 2016 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Can i Approximate vanguard total [international] stock market
Replies: 11
Views: 1007

Re: Can i Approximate vanguard total stock market

ruralavalon wrote:Vanguard Developed Markets Index Fund (VTMGX) and Vanguard International Value Fund (VTRIX) both do include small-cap stocks, and VTRIX does include emerging markets.

But not enough to match Vanguard Total International. :D
by whaleknives
Thu Jun 30, 2016 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Can i Approximate vanguard total [international] stock market
Replies: 11
Views: 1007

Re: Can i Approximate vanguard total stock market

See Approximating total international stock market in the Wiki. It doesn't look like you can do it with only those two funds; they're both large cap and 61-62% of total international. You're still missing small cap and emerging markets.
by whaleknives
Thu Jun 30, 2016 10:54 am
Forum: Investing - Help with Personal Investments
Topic: 401k funds, allocation help - just starting to learn
Replies: 5
Views: 425

Re: 401k funds, allocation help - just starting to learn

I haven't seen a 401(k) plan with C shares in a long time. You should post your Participant Fee Disclosure (with all personal data deleted) so that we can see how these high fee funds get disclosed. Sorry, I'm not sure where to get this....are these typically available on the site? Or do I need to ...
by whaleknives
Tue Jun 28, 2016 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Please help me choose bond funds for my 401(k)
Replies: 8
Views: 719

Re: Please help me choose bond funds for my 401(k)

Yes, the IBM Total Bond Market Fund (Neuberger Berman Fixed Income) comes closest to the Vanguard Total Bond Market Index Fund in ER (0.06 vs 0.05), duration (5.68 vs 5.7 years), and risk (Aaa to Baa vs AAA to BBB). The others include international and emerging markets, long term bonds, or insurance...
by whaleknives
Tue Jun 28, 2016 12:21 am
Forum: Personal Consumer Issues
Topic: Whole House Dehumidifier?
Replies: 17
Views: 1498

Re: Whole House Dehumidifier?

I would be interested in buying a whole house unit if it were installed OUTSIDE, but none of the ones that I see online seem to have that option. A whole house unit that just dumps all that waste heat back into my house is inefficient. . . Just like your refrigerator. There was a New York high scho...
by whaleknives
Tue Jun 28, 2016 12:00 am
Forum: Investing - Help with Personal Investments
Topic: Friday & today were painful days - what can we expect?
Replies: 27
Views: 2440

Re: Friday & today were painful days - what can we expect?

LITTLE DIP? Wasn't Friday's dip one of the largest in recent history since 2008? I could be wrong. Comes in 7th for the S&P 500 points drop (-75.91 points & -3.59%), but greater than 20th for % drop (20th was -5.28%). https://en.wikipedia.org/wiki/List_of_largest_daily_changes_in_the_S%26P_...
by whaleknives
Mon Jun 27, 2016 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Should dividends be counted as income in calculators
Replies: 4
Views: 346

Re: Should dividends be counted as income in calculators

Dividends are already included when you estimate fund total returns. You don't want to double count. :D
by whaleknives
Mon Jun 27, 2016 10:28 am
Forum: Personal Consumer Issues
Topic: Whole House Dehumidifier?
Replies: 17
Views: 1498

Re: Whole House Dehumidifier?

We are moving from a very dry climate to a very humid one. We have no experience with dehumidifier's. We had been to the new house and when we left, I set the air conditioner's thermostat to 85 since we would be gone. A mistake, because when we returned this past weekend, there was mold beginning i...
by whaleknives
Mon Jun 27, 2016 10:03 am
Forum: Investing - Theory, News & General
Topic: What did you learn from the post-Brexit bloodbath?
Replies: 145
Views: 11435

Re: What did you learn from the post-Brexit bloodbath?

ruralavalon wrote:What bloodbath? Our portfolio lost 2.05%.
October 1987 with a stock market collapse of 22% in one day was a bloodbath.

:thumbsup Why, let me tell you about 1987 . . .

Image
by whaleknives
Mon Jun 20, 2016 1:31 pm
Forum: Investing - Theory, News & General
Topic: For long-term investing, why is diversification a good thing?
Replies: 24
Views: 2118

Re: For long-term investing, why is diversification a good thing?

The issue I am really trying to understand is why anyone would choose to invest in multiple stock index funds with unequal investment values. Because other factors come into play, and life's a compromise. It's a life-long struggle to optimize asset allocation, as you weigh decreasing investment hor...
by whaleknives
Sat Jun 18, 2016 1:29 pm
Forum: Investing - Theory, News & General
Topic: For long-term investing, why is diversification a good thing?
Replies: 24
Views: 2118

Re: For long-term investing, why is diversification a good thing?

. . . So if the highest percentage of investment is going to a total stock market index, isn't this really saying that, over the long run, Vanguard thinks a total stock market index fund will earn an investor more money than any other single fund? If the international fund were to earn a greater in...
by whaleknives
Wed Jun 08, 2016 8:29 pm
Forum: Investing - Theory, News & General
Topic: Reporter doing story on Oppenheimer muni bond funds
Replies: 1
Views: 298

Re: Reporter doing story on Oppenheimer muni bond funds

I don't invest in any Oppenheimer funds, muni or otherwise, but the reporter should ask about Puerto Rican bonds: The Fund Name is Not Enough.
by whaleknives
Wed Jun 08, 2016 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Help with fund selections in 401K...
Replies: 5
Views: 476

Re: Help with fund selections in 401K...

Welcome! People will have a better idea of what to recommend if you can provide the information in Asking Portfolio Questions, especially the stock/bond asset allocation, fund tickers and expense ratios. Just edit your original post.
by whaleknives
Wed Jun 08, 2016 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: How to redeem paper EE bonds?
Replies: 15
Views: 1784

Re: How to redeem paper EE bonds?

Try local B&M banks/credit unions by phone. They may be willing to accept the bonds, even if you don't have an account.

Go to advanced search