Search found 1102 matches

by whaleknives
Mon May 22, 2017 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA with Vanguard Now what
Replies: 5
Views: 408

Re: Roth IRA with Vanguard Now what

. . . No 401K because my employer does not match. . . This stood out for me. The Wiki 401(k) page tells you some advantages of 401(k)'s, even without free money from matching (some applying to traditional, some to both traditional and Roth): ⋅  You get an immediate tax break , because con...
by whaleknives
Sat May 20, 2017 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Delay SS, but claim if market plunges
Replies: 49
Views: 3967

Re: Delay SS, but claim if market plunges

Apologies for topic drift but earlier, Watty mentioned: > The Vanguard 2015 target date fund has an asset allocation of 50% stocks and a 50% bonds so ...... The Fidelity 2015 target date fund is the same and I'm curious about it. Presumably the typical investor in these funds is now 67 or thereabou...
by whaleknives
Fri May 19, 2017 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Delay SS, but claim if market plunges
Replies: 49
Views: 3967

Re: Delay SS, but claim if market plunges

Can't you "pay back" your social security and reset your clock? My father did then when he went back to work, I honestly don't know if it's still a possibility. Also, you could always suspend and start collecting credits again, so the impact would be somewhat muted in this case. On these ...
by whaleknives
Fri May 19, 2017 9:28 am
Forum: Investing - Help with Personal Investments
Topic: At what age... [do you change investments]
Replies: 13
Views: 476

Re: At what age... [do you change investments]

John Bogle, on the page opposite his "Simple Rule of Thumb" of age in bonds, also described a more general "Basic Asset Allocation Model (Stocks/Bonds)" of only four splits, from 80/20 for the younger accumulator to 50/50 for the older distributor. "For example, my highest r...
by whaleknives
Fri May 19, 2017 9:11 am
Forum: Investing - Theory, News & General
Topic: Request for review of a proposed Wiki article on SIPC protection of mutual funds
Replies: 10
Views: 644

Re: Request for review of a proposed Wiki article on SIPC protection of mutual funds

. . . Could someone provide the full text of what Vanguard is saying to customers? . . . My Vanguard brokerage upgrade link seems to have disappeared, and I had to Google for these links: Vanguard Brokerage Account vs. your current account Moving your Vanguard funds to a Vanguard Brokerage Account ...
by whaleknives
Thu May 18, 2017 9:40 pm
Forum: Investing - Theory, News & General
Topic: Request for review of a proposed Wiki article on SIPC protection of mutual funds
Replies: 10
Views: 644

Re: Request for review of a proposed Wiki article on SIPC protection of mutual funds

Vanguard funds not held in a brokerage account are held by The Vanguard Group, Inc., and are not protected by SIPC. Is it safer or better to hold a mutual fund in a brokerage account? The answer is "no." . . . Does anyone know why Vanguard is making the inference that a brokerage account ...
by whaleknives
Wed May 17, 2017 8:33 pm
Forum: Investing - Theory, News & General
Topic: International: Where's the benefit?
Replies: 63
Views: 4737

Re: International: Where's the benefit?

Looking at an average over 27 years may be the wrong approach. Look at 2003-2012 in the Callan periodic table of investment returns.
by whaleknives
Wed May 17, 2017 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Delay SS, but claim if market plunges
Replies: 49
Views: 3967

Re: Delay SS, but claim if market plunges

. . . Since the biggest threat to a portfolio is a bad sequence of returns early on in retirement, my delaying SS to 70 would exacerbate such a bad sequence of returns. I'm wondering whether a strategy would be to delay SS, but if the market has a large drop (e.g. 25% or more) in the region between...
by whaleknives
Mon May 15, 2017 5:03 pm
Forum: Personal Consumer Issues
Topic: mirror or clone my windows 10 HD?
Replies: 10
Views: 726

Re: mirror or clone my windows 10 HD?

. . . Skip down to the section "System Image Backups" . . . https://www.howtogeek.com/220986/how-to-use-all-of-windows-10%E2%80%99s-backup-and-recovery-tools/ . . . Select 'Create a system image' . . . :thumbsup for creating a system image. If you'd like to look at illustrations, see &quo...
by whaleknives
Sun May 14, 2017 12:20 pm
Forum: Investing - Theory, News & General
Topic: BND & AGG (Why Difference in # of Holdings?)
Replies: 3
Views: 240

Re: BND & AGG (Why Difference in # of Holdings?)

This 2010 article provided the best comparison, but the number of holdings has changed: AGG vs. BND: What’s The Difference? "The index underlying AGG and BND includes more than 8,000 bond issues, many of which do not trade regularly. As discussed above, both AGG and BND utilize representative s...
by whaleknives
Sun May 14, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: Looking for "old style" dot matrix forms 8.5" x 3.50"
Replies: 7
Views: 469

Re: Looking for "old style" dot matrix forms 8.5" x 3.50"

1. Who made the old form? Try Googling the name with the form size, for possible substitutions.
2. Invest in a paper cutter and cut 8.5 x 11 paper to size.
by whaleknives
Sat May 13, 2017 10:29 pm
Forum: Personal Consumer Issues
Topic: The recent WannaCry ransomware
Replies: 60
Views: 6386

Re: The recent WannaCry ransomware

Good thing for me I didn't write perfectly accurate in every respect , just reasonable . The article goes through some of the motivations behind update delays, whether they're to Windows 7 or moving from Windows XP to a more recent and still supported version. I stand by my word reasonable, which I...
by whaleknives
Sat May 13, 2017 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Setting a periodic transfer / Dealing with a fiscal beggar
Replies: 26
Views: 2474

Re: Setting a periodic transfer / Dealing with a fiscal beggar

bnes wrote:. . . a relative who refuses to maintain a bank account . . . filled via a remote deposit . . . free of overdraft fees or ways to a deeper debt . . .

Would a bank reloadable debit card work? See website for more details.
by whaleknives
Sat May 13, 2017 8:56 pm
Forum: Personal Consumer Issues
Topic: The recent WannaCry ransomware
Replies: 60
Views: 6386

Re: The recent WannaCry ransomware

. . . This is a reasonable article about it: The Malware Attacking the U.K.'s National Health Service Could've Been Stopped. Here's Why It Wasn't. Except this article, like many others, doesn't differentiate between Windows versions. The comment "The NHS had two months to install this patch an...
by whaleknives
Sat May 13, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: The recent WannaCry ransomware
Replies: 60
Views: 6386

Re: The recent WannaCry ransomware

"Penny wise and £ foolish" is a British saying. "The security hole has been patched for modern Windows versions, but not WindowsXP – and the NHS is a massive user of the legacy operating system." UK hospital meltdown after ransomware worm uses NSA vuln to raid IT , The Register, ...
by whaleknives
Sat May 13, 2017 5:53 pm
Forum: Personal Consumer Issues
Topic: The recent WannaCry ransomware
Replies: 60
Views: 6386

Re: The recent WannaCry ransomware

This was prescient; it seems British NHS computers were attacked in January.

by whaleknives
Sat May 13, 2017 5:43 pm
Forum: Personal Consumer Issues
Topic: The recent WannaCry ransomware
Replies: 60
Views: 6386

Re: The recent WannaCry ransomware

All I know is what I read, but: "So people who've been using their modern operating system - so Windows 7 and so on or who've been keeping up to date with their Windows patches - should have been completely secure against this vulnerability." Matt Tait, of Capital Alpha Security in the Uni...
by whaleknives
Sat May 13, 2017 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Priority
Replies: 11
Views: 1011

Re: Investing Priority

The Bogleheads Wiki section Prioritizing investments provides more detail, but it is a question of comparing the costs of your company funds to others available in an individual IRA. Also, the choice between Traditional versus Roth IRAs is not obvious for everyone.
by whaleknives
Sat May 13, 2017 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) fund selection advice
Replies: 7
Views: 443

Re: 401(k) fund selection advice

Unfortunately, your 4-character tickers do not turn up in Morningstar, making it difficult to review the funds. Here are general recommendations from the Bogleheads Wiki section Prioritizing investments (emphasis and strikethroughs added): " Funding priority Here is a general account funding pr...
by whaleknives
Fri May 12, 2017 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: US Savings bond given to me, don't have serial number
Replies: 9
Views: 542

Re: US Savings bond given to me, don't have serial number

squirm wrote:Yes, but that person has Alzheimers.

Your 2002 bond could be a physical one; purchases of paper bonds stopped on January 1, 2012.
by whaleknives
Fri May 12, 2017 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: US Savings bond given to me, don't have serial number
Replies: 9
Views: 542

Re: US Savings bond given to me, don't have serial number

Do you know who bought the bond? That would be a good place to start. Gift bonds we received for ourselves and our children were actually given to us. Your 2002 bond could be a physical one; purchases of paper bonds stopped on January 1, 2012.
by whaleknives
Fri May 12, 2017 7:43 pm
Forum: Investing - Theory, News & General
Topic: Excel Macro using Yahoo Finance- not working
Replies: 19
Views: 1627

Re: Excel Macro using Yahoo Finance- not working

This is an argument for not trying to do your own aggregating, but to download CSV spreadsheets from providers instead.
by whaleknives
Fri May 12, 2017 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: How specific/specialized is your Living Will?
Replies: 22
Views: 1111

Re: How specific/specialized is your Living Will?

. . . And actually, to be honest, even DNR/DNI is gray area. The cardiologists at my institution get upset when a patient is allowed to be made DNR/DNI by residents after having a heart attack (a STEMI) and getting stents placed. That patient is at high risk for arrhythmias in the next day or so (w...
by whaleknives
Thu May 11, 2017 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: How specific/specialized is your Living Will?
Replies: 22
Views: 1111

Re: How specific/specialized is your Living Will?

. . . a static document can't adequately cover every possible scenario. My preference is a broad Power of Attorney for Health Care . . . +1. DW and I (doc/lawyer) have aggressive Living Wills, but the important thing is strong, reciprocal POAs . . . To cover all eventualities, you need to do it all...
by whaleknives
Thu May 11, 2017 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: in laws social security options
Replies: 3
Views: 346

Re: in laws social security options

Yes, since your mother-in-law was older than 62 on January 2, 2016 (born before January 2, 1954), she is still able to file a restricted application at her full retirement age of 66 to receive the spouse benefit only, then collect delayed retirement credits and file on her earnings at 70. ( Retireme...
by whaleknives
Thu May 11, 2017 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Are bank test deposits taxable?
Replies: 22
Views: 2263

Re: Are bank test deposits taxable?

Vanguard has always withdrawn my (their) test deposits. :D
by whaleknives
Thu May 11, 2017 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: How to maximize SS
Replies: 6
Views: 802

Re: How to maximize SS

. . . I am eligible to get my own SS which is $946 at age 67 and $666 at age 62. Now my husband will get his own $2655 at age 66-1/2. Since his half ($1327) is more than my full SS at my age at 67, should I start getting my own SS at age 62? I do not see any reason to wait until age 67. He is 3 yrs...
by whaleknives
Thu May 11, 2017 12:37 pm
Forum: Investing - Theory, News & General
Topic: How I use I-ORP, and who shouldn't
Replies: 35
Views: 2276

Re: How I use I-ORP, and who shouldn't

. . . Another thing I like about I-ORP is that help is available. My first attempt gave me odd results, and I couldn't figure out what I was doing wrong. By following the instructions, you can get the inventor? (what exactly do you call a model owner?) to look at your work and give you feedback. On...
by whaleknives
Thu May 11, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Best Social Security claim strategy after 2015 law changes
Replies: 4
Views: 904

Re: Best Social Security claim strategy after 2015 law changes

As I reread Mike Piper's Changes to Social Security , the exception for those born before January 2, 1954 may not apply at all, because "suspension of benefit requests that are submitted more than 180 days after enactment of the bill (i.e., as of 4/27/2016 or later . . . " prevents anyone ...
by whaleknives
Thu May 11, 2017 11:27 am
Forum: Investing - Theory, News & General
Topic: How I use I-ORP, and who shouldn't
Replies: 35
Views: 2276

Re: How I use I-ORP, and who shouldn't

. . . One thing that struck me was how aggressive it was recommending tIRA to Roth IRA conversions. . . The challenge I found on i-orp Roth conversions is that the recommendations were heavily based on the assumed rates of return, in addition to tax efficiency. If you guessed a higher rate of retur...
by whaleknives
Thu May 11, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Best Social Security claim strategy after 2015 law changes
Replies: 4
Views: 904

Re: Best Social Security claim strategy after 2015 law changes

. . . What is the best claim strategy to maximize SS benefits for a married couple if wife's SS benefits are less than 50% of husband's benefits? . . . I understand that husband cannot receive 50% of wife's benefits while waiting for his own benefits to grow and wife cannot get 50% of husband's ben...
by whaleknives
Wed May 10, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Social Security - Spousal Benefits
Replies: 7
Views: 783

Re: Social Security - Spousal Benefits

. . . My parent's memory is not great these days but I'll try and find out when they applied. Is it true that the SSA will pick the best amount for you in terms of spousal benefits? i.e., they do the "greater of own benefits vs. 50% of spouse"? Or do you have to specify? Social Security p...
by whaleknives
Tue May 09, 2017 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security - Spousal Benefits
Replies: 7
Views: 783

Re: Social Security - Spousal Benefits

. . . dad age 80, mother age 76 - only marriage - married for decades . . . My father receives $2000/month and my mother receives $800/month. Both my parents worked for many years, with my mother having breaks in her employment . . . 1) In what I have read I believe my mother should be getting the ...
by whaleknives
Mon May 08, 2017 3:28 pm
Forum: Investing - Theory, News & General
Topic: Financial Literacy
Replies: 27
Views: 2222

Re: Financial Literacy

Just ran across the quiz on Google News at Forbes: Americans Fail Retirement Planning Literacy Quiz, Low Literacy Linked to Poor Planning . 92%, missing 3 on annuities and whole life insurance. I'm not a customer. :D Here's a link to the answers and rationales: THE AMERICAN COLLEGE/NEW YORK LIFE CEN...
by whaleknives
Sat May 06, 2017 8:32 pm
Forum: Investing - Theory, News & General
Topic: CDOs or Sub prime MBS in Vanguard funds?
Replies: 9
Views: 735

Re: CDOs or Sub prime MBS in Vanguard funds?

Total Bond doesn't have any (I don't think, too lazy to check the report, but it shouldn't) because the Bloomberg Barclay's U.S. Aggregate Index doesn't have any. (I don't think). . . You mean, subprime MBS? Total Bond's behavior during the subprime mortgage crisis seems to bear that out, but it do...
by whaleknives
Sat May 06, 2017 5:17 pm
Forum: Investing - Theory, News & General
Topic: CDOs or Sub prime MBS in Vanguard funds?
Replies: 9
Views: 735

Re: CDOs or Sub prime MBS in Vanguard funds?

Vanguard Total Bond (VBMFX, blue) currently has 24% MBS of some type or another. Vanguard Intermediate Term Bond (VBIIX, orange) currently has 0.5% MBS. I don't know what they held during the great recession, but here's the growth chart for those stocks, May 2007-2009: http://i.imgur.com/51Amzv4.png...
by whaleknives
Sat May 06, 2017 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Acceptable Success Rate to Retire using Firecalc
Replies: 41
Views: 2937

Re: Acceptable Success Rate to Retire using Firecalc

I used 100%, and so far so good (black is actual):

Image
by whaleknives
Fri May 05, 2017 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Which to Fund First? Roth IRA vs 401k
Replies: 10
Views: 735

Re: Which to Fund First? Roth IRA vs 401k

Yikes; not an index fund in sight. The Wiki has some good information for you:
1. Prioritizing investments, based on maximizing tax efficiency.
2. Expensive or mediocre [401(k)] choices. There's always the possibility of a future IRA rollover.
3. How to campaign for a better 401(k) plan.
by whaleknives
Wed May 03, 2017 9:51 pm
Forum: Forum Issues and Administration
Topic: My notifications are -1
Replies: 11
Views: 1453

Re: My notifications are -1

You obviously owed someone a notification, but they accepted this new topic to zero your balance.
by whaleknives
Wed May 03, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: Treating Water with Chlorine or Iodine
Replies: 10
Views: 803

Re: Treating Water with Chlorine or Iodine

We've used the Portable Aqua tablets in the Boundary Waters with no problems, but only in 1 liter quantities as needed, and not long term storage of larger quantities. Portable Aqua is available at most outfitters, such as REI. Outdoor Action Guide to Water Purification, http://www.princeton.edu/~oa...
by whaleknives
Tue May 02, 2017 10:30 pm
Forum: Personal Consumer Issues
Topic: Video TDR Failure - Microsoft - Arghhh!!!
Replies: 9
Views: 672

Re: Video TDR Failure - Microsoft - Arghhh!!!

Another Microsoft Windows update issue - my PC experiences "blue screen hell" where the video freezes up as the PC is in the process of booting up. . . followed by this message: Video TDR Failure, file atikmpng.sys . . . The technical term is Blue Screen of Death, or BSOD. :D Could the fi...
by whaleknives
Tue May 02, 2017 7:40 pm
Forum: Investing - Theory, News & General
Topic: Calculating Future Social Security Benefits
Replies: 6
Views: 932

Re: Calculating Future Social Security Benefits

Take a look at the Social Security Retirement Estimator and Detailed Calculator (AnyPIA) in the Wiki. The Retirement Estimator uses your actual past SS earnings record, and allows you to enter multiple ages to stop work with the "Add a New Estimate" button; future earnings will stop and be...
by whaleknives
Mon May 01, 2017 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Withdrawing Funds early from a state retirement system
Replies: 7
Views: 664

Re: Withdrawing Funds early from a state retirement system

1. If you want to close the account, the ASRS website says this is an option: "Take a refund of your account, with applicable interest. You may withdraw your funds in cash and pay all taxes and penalties, or you may rollover your funds to another qualified retirement program . . . . . While any...
by whaleknives
Sun Apr 30, 2017 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: VG Mutual Fund Mix. How would you classify this mix?
Replies: 3
Views: 342

Re: VG Mutual Fund Mix. How would you classify this mix?

. . . Bogleheads how would you describe or classify this current mix of funds in my wife's Roth IRA . . . Just looking for your classification with the limited information provided. Have you used any tools like Morningstar's Instant X-Ray? They can provide the quantitative details, and then you can...
by whaleknives
Sat Apr 29, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: Insurance for trip to Seoul Korea
Replies: 16
Views: 1229

Re: Insurance for trip to Seoul Korea

Ask about war risk insurance. "War risk insurance is a type of insurance which covers damage due to acts of war, including invasion, insurrection, rebellion and hijacking. Some policies also cover damage due to weapons of mass destruction." https://en.wikipedia.org/wiki/War_risk_insurance ...
by whaleknives
Sat Apr 22, 2017 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: What is the difference between downloaded and online tax software?
Replies: 16
Views: 1014

Re: What is the difference between downloaded and online tax software?

. . . My question would still be, does the online version necessarily have these deficiencies, or did my brief look just fail to uncover the access to the forms and the full functionality of the downloaded version? Do they open up forms/functionality for a paid online version? What about the "...

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