Search found 930 matches

by whaleknives
Mon Jan 09, 2017 9:27 pm
Forum: Investing - Theory, News & General
Topic: Vanguard International Index Returns
Replies: 20
Views: 2810

Re: Vanguard International Index Returns

Would you have noticed, or cared, that Mr. Bogle did not invest internationally if international stocks had been outperforming domestic instead of the other way around? Trying to 'fix' the parts of your portfolio that are underperforming is a recipe for selling low and buying high. :thumbsup This. ...
by whaleknives
Sun Jan 08, 2017 1:22 pm
Forum: Personal Consumer Issues
Topic: Ally Website and Mobile Banking Down???
Replies: 10
Views: 587

Re: Ally Website and Mobile Banking Down???

I was disappointed to learn today that scheduled, recurring transfers are excluded from next day ACH timing. I would have thought that more lead time would make it easier. :D
by whaleknives
Sat Jan 07, 2017 6:45 pm
Forum: Investing - Theory, News & General
Topic: Callan Periodic Table of Investment Returns
Replies: 1
Views: 495

Re: Callan Periodic Table of Investment Returns

It looks like the Wiki 2015 update was posted by LadyGeek on 1/14/16. That's the latest version on the Callan website.
by whaleknives
Sat Jan 07, 2017 5:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard International Index Returns
Replies: 20
Views: 2810

Re: Vanguard International Index Returns

Here's a recent thread on international. Note the comment on the Callan Periodic Table (click on the table for a more legible version).
by whaleknives
Wed Jan 04, 2017 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: How many of you did a Roth conversion the first day of 2017
Replies: 43
Views: 2709

Re: How many of you did a Roth conversion the first day of 2017

FIREchief wrote:I may have been mistaken. Just do what you think is best. 8-)

That's what I'm doing. 8-)
by whaleknives
Tue Jan 03, 2017 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: How many of you did a Roth conversion the first day of 2017
Replies: 43
Views: 2709

Re: How many of you did a Roth conversion the first day of 2017

I couldn't manage it until January 21 last year. I want to finish last year's tax return and a current year estimate before I decide on the Roth conversion amount, and I'm at the mercy of the latest tax form. You could always shoot for the max and do a partial recharacterization if you overshoot. 8...
by whaleknives
Tue Jan 03, 2017 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: How many of you did a Roth conversion the first day of 2017
Replies: 43
Views: 2709

Re: How many of you did a Roth conversion the first day of 2017

I couldn't manage it until January 21 last year. I want to finish last year's tax return and a current year estimate before I decide on the Roth conversion amount, and I'm at the mercy of the latest tax form.
by whaleknives
Tue Jan 03, 2017 10:28 pm
Forum: Forum Issues and Administration
Topic: How to post a draft
Replies: 3
Views: 286

Re: How to post a draft

Find your saved draft: Forum>User Control Panel (in username dropdown menu)>Manage Drafts (in 1st Overview tab). When you find the draft, click <Load draft> in the "Saved At" column, and not the draft title or topic. The draft will appear in the familiar post editing and submittal window. ...
by whaleknives
Sun Jan 01, 2017 1:52 pm
Forum: Forum Issues and Administration
Topic: Bogleheads is back!
Replies: 21
Views: 3740

Re: Bogleheads is back!

Strangely enough, the Bogleheads Wiki was up at https://www.bogleheads.org/wiki. You could still get your hit. :sharebeer
by whaleknives
Fri Dec 23, 2016 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: CareCredit for medical expenses?
Replies: 6
Views: 580

Re: CareCredit for medical expenses?

This is standard practice for many who need to match income to medical expenses not covered by insurance. My younger daughter has used one for provider charges only, so I don't know the rules on travel, lodging and other costs.

Send me a PM if you want me to ask her.
by whaleknives
Fri Dec 23, 2016 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: How should I treat equities when evaluating my asset allocation?
Replies: 17
Views: 1045

Re: How should I treat equities when evaluating my asset allocation?

How about "very specialized sector funds"? :D

What you call them will matter less as their share decreases. But they sound like US stocks.
by whaleknives
Mon Dec 19, 2016 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion Taxes...where to send, when to pay?
Replies: 14
Views: 1576

Re: Roth Conversion Taxes...where to send, when to pay?

Tax-deferred funds transferred to a Roth account are considered income for that year. To avoid reducing your tax-advantaged total, it's generally recommended that you not withhold taxes from the transfer. The IRS expects you to pay estimated taxes quarterly (as they define quarters) on income where ...
by whaleknives
Sun Dec 11, 2016 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Best/ safest way to access Vanguard account online?
Replies: 16
Views: 1969

Re: Best/ safest way to access Vanguard account online?

⋅ Enable the two-factor security code in My accounts>Account maintenance>Security profile>Security code: "We'll send your security code using the phone number and contact method you've chosen during enrollment. You can choose to use a security code every time you log on or only if we...
by whaleknives
Sun Dec 11, 2016 1:00 pm
Forum: Investing - Theory, News & General
Topic: Explain why Rebalancing isn't Market Timing?
Replies: 241
Views: 8800

Re: Explain why Rebalancing isn't Market Timing?

IF the market is at a multi year high, and the investor feels nervous of a decline, and changes their risk tolerance from 75/25 to 25/75 (S/B), is that a change in asset allocation, and hence rebalancing, or is it market timing? Seems really arbitrary. Lets say the same investor is at 60/40, decide...
by whaleknives
Sat Dec 10, 2016 7:45 pm
Forum: Personal Consumer Issues
Topic: Maybe I don't know how to rent a car?
Replies: 17
Views: 2018

Re: Maybe I don't know how to rent a car?

My last, infrequent experience was similar: reserved a van, was offered a small, Jeep-like vehicle - even bystanders were complaining that it was too small, and finally after much delay, left with a Chryler 300. At least we all fit. This is the perfect thread for With Uber and Lyft Nearby, Rental Ca...
by whaleknives
Fri Dec 09, 2016 1:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new "account overview" page... BOO!
Replies: 98
Views: 8269

Re: Vanguard's new "account overview" page... BOO!

I assume they're doing this so it looks good on tablets and phones. These days there are quite a few people that access the internet this way. As time goes on people will use laptops and desktops less. The usual course is to design websites with different appearances on mobile than on desktop. I'm ...
by whaleknives
Thu Dec 08, 2016 4:34 pm
Forum: Investing - Theory, News & General
Topic: Explain why Rebalancing isn't Market Timing?
Replies: 241
Views: 8800

Re: Explain why Rebalancing isn't Market Timing?

I'm replying after first seeing this question, without reading the 70 odd previous responses: How can it be market timing, if you rebalance when you reach your bands, or on a fixed schedule? I personally do it with 5% absolute/25% relative bands , since it seems to be less arbitary than a fixed sche...
by whaleknives
Fri Dec 02, 2016 6:04 pm
Forum: Investing - Theory, News & General
Topic: What percentage of international do you hold?
Replies: 127
Views: 6222

Re: What percentage of international do you hold?

The Wiki section Domestic/International Allocation (full title to make the link more noticeable) does have later data including emerging markets, but still only to 2007. Also, note the lack of return numbers. It would be nice to have updated charts. Would also be nice to see actual numbers on the p...
by whaleknives
Fri Dec 02, 2016 5:05 pm
Forum: Investing - Theory, News & General
Topic: What percentage of international do you hold?
Replies: 127
Views: 6222

Re: What percentage of international do you hold?

The Wiki section Domestic/International Allocation (full title to make the link more noticeable) does have later data including emerging markets, but still only to 2007. Also, note the lack of return numbers. It would be nice to have updated charts. :D https://www.bogleheads.org/w/images/3/38/US-Int...
by whaleknives
Fri Dec 02, 2016 12:09 am
Forum: Investing - Theory, News & General
Topic: What percentage of international do you hold?
Replies: 127
Views: 6222

Re: What percentage of international do you hold?

I'm at 30% of stocks, based on a trade-off between minimum volatility and maximum return from this chart in the Wiki : https://www.bogleheads.org/w/images/1/11/US-International.png Recommendations here range from 0% from John Bogle to 51% by market cap. Here's a recent thread: Why not use Global Mar...
by whaleknives
Wed Nov 30, 2016 2:35 pm
Forum: Personal Consumer Issues
Topic: Naive question about laptop repair
Replies: 13
Views: 1099

Re: Naive question about laptop repair

Reminds me of a suitcase computer I once had. By the time I replaced it, it would have been worth $5, if I spent $25 to add a hard drive. Of course it was probably 5 millennia old by then.
Image
by whaleknives
Sun Nov 27, 2016 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Deluxe Discontinued? TaxAct Plus Only for more $$$?
Replies: 15
Views: 2361

Re: TaxAct Deluxe Discontinued? TaxAct Plus Only for more $$$?

When I logged in to TaxAct today, it tells me that I used Deluxe for my 2014 return, and Plus for 2015. It doesn't display a version for 2016, only that I have a "Low Price Locked In". Have you tried logging into your TaxAct account? The 30% off seems to be a Cyber Monday offer available t...
by whaleknives
Sun Nov 20, 2016 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Paid Loss Ratios for Car Insurance
Replies: 7
Views: 629

Re: Paid Loss Ratios for Car Insurance

. . . Years ago, I worked with a very smart insurance consultant who'd done lots of work in in Property and Casualty company insurance claims reviews, who summed up his personal advice for consumers buying homeowners and auto insurance, based on claims paying process: for homeowner's insurance, cho...
by whaleknives
Sun Nov 20, 2016 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Paid Loss Ratios for Car Insurance
Replies: 7
Views: 629

Paid Loss Ratios for Car Insurance

I'm surprised this hasn't been posted yet. It tells you of 3 categories of car insurance companies that include Allstate/GEICO/Progressive/State Farm, Liberty Mutual and Amica. Dividend-paying mutual insurers may be the Vanguard of car insurance. "The Kind of Car Insurer That Gives Consumers th...
by whaleknives
Sun Nov 20, 2016 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Whole life - 7 "pithy" questions to ask the salesman
Replies: 43
Views: 3999

Re: Whole life - 7 "pithy" questions to ask the salesman

The couple will also hear about the advantages of "forced savings". Of course, savings that go toward commissions and surrender fees are no savings at all.
by whaleknives
Sun Nov 20, 2016 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Whole life - 7 "pithy" questions to ask the salesman
Replies: 43
Views: 3999

Re: Whole life - 7 "pithy" questions to ask the salesman

Your premise that even an inexperienced salesperson could be put off by inexperienced insurance consumers is probably suspect. But I remember being saved by Consumer Reports over 40 years ago, and these questions might help stop the juggernaut: ⋅  Why don't you sell term life policies? Big...
by whaleknives
Fri Nov 11, 2016 2:59 pm
Forum: Personal Consumer Issues
Topic: Equivalent "Do Not Call" List for Wireless?
Replies: 18
Views: 1683

Re: Equivalent "Do Not Call" List for Wireless?

The good news is that there is only one Federal Do No Call list, covering both landline and cell numbers: https://www.consumer.ftc.gov/articles/0133-cell-phones-and-do-not-call-registry The bad news is that there are many exceptions not covered, such as political organizations. Scams and other illeg...
by whaleknives
Sat Nov 05, 2016 7:32 pm
Forum: Personal Consumer Issues
Topic: "Unsupported Browser" messages
Replies: 9
Views: 912

Re: "Unsupported Browser" messages

rob wrote:Some coders are hopeless, some are cheap and only test with a limited browser and some are on a mission to change the browser world . . .

:thumbsup True, that. Some HTML code has patches for 3 versions of Internet Explorer. Many sites standardize on IE, and that's all they program and test for.
by whaleknives
Sat Oct 29, 2016 4:42 pm
Forum: Personal Consumer Issues
Topic: retirement woes
Replies: 8
Views: 1919

Re: retirement woes

I've been taking some IT degree courses at the local community college, for some structured learning twice a week. Tuition is waived for seniors, leaving a 75% discount after permitted fees, so it's a very good deal. But mostly I feel like this:

Image
by whaleknives
Sat Oct 29, 2016 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion & 5 Year Seasoning
Replies: 7
Views: 633

Re: Roth Conversion & 5 Year Seasoning

The best description I've seen is this flowsheet (Figure 2.1, page 32) of IRS Publication 590-B , Distributions from Individual Retirement Arrangements (IRAs) . All you need are the first two yes's to avoid the penalty: (1) at least 5 years since you contributed to "a Roth IRA", and (2) &q...
by whaleknives
Sat Oct 29, 2016 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio checkup
Replies: 9
Views: 827

Re: Portfolio checkup

How long have you owned Wellington for? IMHO, it's probably too conservative for someone of your age, but if you've owned it a while I think you'll be fine holding on to it. Maybe keep what you own and start putting new contributions into a Target Date fund. . . Or, you could look at some simple Th...
by whaleknives
Thu Oct 27, 2016 6:25 pm
Forum: Personal Consumer Issues
Topic: How do you make your Martini?
Replies: 63
Views: 3664

Re: How do you make your Martini?

I drink red wine, but for Ian Fleming:
Vodka Maritni
by whaleknives
Tue Oct 25, 2016 8:13 pm
Forum: Personal Consumer Issues
Topic: Where to go for blood tests (w. no insurance)
Replies: 22
Views: 2338

Re: Where to go for blood tests (w. no insurance)

An alternative to any lab option would be a walk-in clinic, where a nurse practitioner or physician assistant could arrange for the tests you need. I did this to confirm my measles, mumps, rubella and varicella (chicken pox) titers, since I had no previous vaccines. The tests were quick and low cost.
by whaleknives
Sun Oct 23, 2016 10:48 am
Forum: Investing - Theory, News & General
Topic: NY Times first in a series about 403(b)s with public K-12
Replies: 102
Views: 10305

Re: NY Times first in a series about 403(b)s with public K-12

An eye-opening article. For those of us with 401(k) experience who think 403(b) plans are just another IRS category, two differences stood out: ⋅ Most 403(b) plans are exempt from ERISA, and are only covered by "state laws or less stringent federal securities regulations". ⋅...
by whaleknives
Sun Oct 16, 2016 5:26 pm
Forum: Forum Issues and Administration
Topic: Bogleheads is back!!!
Replies: 83
Views: 8362

Re: Bogleheads is back!!!

Minot wrote:For those of us who (finally, in my case) figured out to check Morningstar's Bogleheads Unite! forum, a big thank you to Taylor, Mel, and Lady Geek for keeping us updated.

Also, http://downforeveryoneorjustme.com/ :!:
by whaleknives
Sat Oct 08, 2016 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare as secondary to employer plan
Replies: 11
Views: 962

Re: Medicare as secondary to employer plan

I believe employer insurance is primary as long as you are working. If you are not working and are simply continuing your old plan from work, medicare is primary. . . It depends on the employer's policy. Mine made Medicare primary for anyone who qualified by age. I retired before 65, so I don't kno...
by whaleknives
Tue Oct 04, 2016 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Update from Quicken CEO Eric Dunn
Replies: 6
Views: 1322

Re: Update from Quicken CEO Eric Dunn

On the other hand, Quicken has at times been difficult to use and opaque in its transactions, hard to maintain in its online services, and annoying with its 3-year online subscription. I haven't missed it at all.
by whaleknives
Tue Oct 04, 2016 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401K choices
Replies: 7
Views: 378

Re: Help with 401K choices

I definitely prefer the low Spartan index fund ERs. You can use 3 funds for a total US stock and bond portfolio: 82% SPTN 500 INDEX ADV (FUSVX) 0.07% 18% SPTN SM CAP IDX ADV (FSSVX) 0.23% FID TOTAL BOND (FTBFX) 0.45% The only question is international. FID INTL DISCOVERY (FIGRX) 0.99% looks to be th...
by whaleknives
Fri Sep 30, 2016 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Incapacity: who should determine: Doctor or 2 trustees?
Replies: 20
Views: 2072

Re: Incapacity: who should determine: Doctor or 2 trustees?

Some states require (unless specified) two doctors to certify incapacity: When does it take effect? Unless otherwise specified in the Power of Attorney for Health Care instrument (form) , an individual's Power of Attorney for Health Care takes effect upon a finding of incapacity by 2 physicians, as ...
by whaleknives
Fri Sep 30, 2016 1:32 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on the Retirement Crisis, Wells Fargo's Crackup, and 'Hamilton'
Replies: 4
Views: 1444

Re: Jack Bogle on the Retirement Crisis, Wells Fargo's Crackup, and 'Hamilton'

:thumbsup Thanks for the post. My daughter has interrupted her usual fiction for Alexander Hamilton by Ron Chernow.
by whaleknives
Sat Sep 24, 2016 7:07 am
Forum: Investing - Theory, News & General
Topic: Should synthetic ETFs be avoided?
Replies: 33
Views: 1964

Re: Should synthetic ETFs be avoided?

Don't forget to sign up for the daily prospectus newsletter.
by whaleknives
Fri Sep 23, 2016 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: New portfolio!
Replies: 6
Views: 419

Re: New portfolio!

Welcome, and congratulations on your careful reading of the Wiki. Two comments: ⋅ You have a 75/25 large cap/small cap split. Approximating total stock market shows 82/18 or 87/13, depending on whether you think the Institutional Index (VIIIX) is closer to the S&P 500 (VFINX) or Large ...
by whaleknives
Sat Sep 10, 2016 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security [iii]: Spouses [USA]
Replies: 13
Views: 1304

Re: Social Security [iii]: Spouses [USA]

. . . 1. will my spouse get both her own SS retirement benefit (from her own SS Tax history) PLUS spousal benefit (from my SS tax history)? No. If your spouse's benefit under her own earnings record is greater than half your Primary Insurance Amount (PIA) at Full Retirement Age (FRA), she will rece...
by whaleknives
Fri Sep 09, 2016 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Need help downloading Vanguard account. [Quicken download after convert to brokerage]
Replies: 1
Views: 286

Re: Need help downloading Vanguard account. [Quicken download after convert to brokerage]

I don't have a brokerage account, and no longer use Quicken, but I wonder if you've seen this Vanguard page: Technical FAQs—Downloading transactions to Quicken for Windows or Macintosh . It does address some changes from mutual fund to brokerage accounts. Also, you can try manually downloading a Qui...
by whaleknives
Thu Sep 08, 2016 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: REITS and S&P
Replies: 2
Views: 395

Re: REITS and S&P

My reading is that S&P hasn't taken REITs out of the S&P 500 index, they've only moved them from a "Financials Sector" to a "Real Estate Sector" under the Global Industry Classification Standard (GICS®). The S&P 500 will still have REIT holdings. Some writers feel tha...
by whaleknives
Wed Sep 07, 2016 7:02 pm
Forum: Personal Consumer Issues
Topic: Why is it hard to find >3 year old cheddar nowadays?
Replies: 30
Views: 3649

Re: Why is it hard to find >3 year old cheddar nowadays?

I think it's the price. 10-year cheddar ($23/lb) can be more than twice as much as uncooked boneless ribeye steak ($9/lb). Of course, you don't have to cook it.
by whaleknives
Mon Sep 05, 2016 4:26 pm
Forum: Investing - Theory, News & General
Topic: How to model a reverse mortgage into early retirement simulations?
Replies: 12
Views: 1398

Re: How to model a reverse mortgage into early retirement simulations?

. . .A reverse mortgage is not a lifetime annuity. Are you positive? I thought the whole point of tenure payments, and a huge component of the appeal of that type of reverse mortgage, was the lifetime income. What I quoted above continues on for another sentence: ..."The payments only stop whe...
by whaleknives
Mon Sep 05, 2016 1:01 pm
Forum: Investing - Theory, News & General
Topic: How to model a reverse mortgage into early retirement simulations?
Replies: 12
Views: 1398

Re: How to model a reverse mortgage into early retirement simulations?

Where did "monthly income for life" come from? The second to last row of the table says that the monthly term is "Tenure." It says here: http://www.reversemortgage.org/About/Types-of-Reverse-Mortgages/HECM-Payment-Options that "Tenure Payment" "provides borrowers ...

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