Search found 646 matches

by whaleknives
Sun Feb 07, 2016 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: Made tax payments in 2015, confused about 2015 return
Replies: 8
Views: 379

Re: Made tax payments in 2015, confused about 2015 return

And note that the deadline for the final estimated payment covering Sept. 1 – Dec. 31, 2015 is Jan. 15, 2016 (IRS Pub 505).
by whaleknives
Thu Feb 04, 2016 11:55 am
Forum: Personal Consumer Issues
Topic: Don’t Be Hacker Bait
Replies: 12
Views: 1942

Re: Don’t Be Hacker Bait

terran wrote:
nisiprius wrote:Can't get past the paywall, even from a Google search hit.

Same for me, but an "incognito" window in chrome did the trick.

Interesting. My incognito window in Chrome v.48 still required a subscription.
by whaleknives
Sun Jan 31, 2016 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: ETFs vs Mutal Funds?
Replies: 2
Views: 287

Re: ETFs vs Mutal Funds?

Your post title is actually the same as a Boglehead Wiki page: ETFs vs mutual funds. There is also a Boglehead FAQ, Should I use mutual funds or ETFs?, and a recent thread, Mutual Funds vs. ETF's. The google search box gives all of these and more. :D
by whaleknives
Fri Jan 29, 2016 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Switching Social Security benefits
Replies: 3
Views: 366

Re: Switching Social Security benefits

Mike, you beat me with this reference to your other thread!
by whaleknives
Fri Jan 29, 2016 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Switching Social Security benefits
Replies: 3
Views: 366

Re: Switching Social Security benefits

I don't know why Social Security didn't consider spousal benefits: "In most situations, a valid application for one class of benefits (e.g., SSA-1 for Retirement Benefits) is deemed an application for another class of benefits (e.g., Spouse Benefits). . . GN 00204.022 requires interviewers to e...
by whaleknives
Sun Jan 17, 2016 5:19 pm
Forum: Personal Consumer Issues
Topic: Bank of America disses older clients
Replies: 24
Views: 2492

Re: Bank of America disses older clients

I agree, and you should tell BoA what their contractor is doing in their name. They probably thought they were saving time by avoiding customers who weren't targeted, perhaps for product marketing, to give them the benefit of the doubt. But the result is disturbing. :D
by whaleknives
Sun Jan 17, 2016 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Help re: job offer British embassy
Replies: 12
Views: 1309

Re: Help re: job offer British embassy

I'm thinking the job is at the British Consulate in New York, rather than the British Embassy in Washington, DC. :) Working for British Embassy Washington applies to consulates as well. It doesn't have much detail, but it does say "Our excellent benefits package includes: medical, dental, visio...
by whaleknives
Fri Jan 15, 2016 10:47 pm
Forum: Personal Consumer Issues
Topic: [Vanguard Online Access Problems]
Replies: 85
Views: 671

Re: Vanguard account access issues this evening?

Alphabetizing for the tie breaker!
by whaleknives
Fri Jan 15, 2016 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Ignore the noise
Replies: 16
Views: 2124

Re: Ignore the noise

On the other hand, my combination of high total bond fund (VBTLX) and low total international stock fund (VTIAX) had me rebalancing this week. Bonds were +5.5%, international -4.4%. Portfolio target is 60/40 stocks/bonds with 30% international stocks. My last rebalancing was during a Roth conversion...
by whaleknives
Wed Jan 13, 2016 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: [How do I itemize tax deductions?]
Replies: 10
Views: 616

Re: [How do I itemize tax deductions?]

It looks like the state and local sales tax option was created for you. Receipts are not required. The IRS web page is downright chatty: " Sales Tax Deduction Calculator If you file a Form 1040, and itemize deductions on Schedule A, you have the option of claiming either state and local income ...
by whaleknives
Wed Jan 13, 2016 12:08 pm
Forum: Personal Consumer Issues
Topic: Inherited a lot of coins/stamps - what to do with them?
Replies: 27
Views: 3498

Re: Inherited a lot of coins/stamps - what to do with them?

Andrew Tobias says stamp collections are sold by weight.
by whaleknives
Mon Jan 11, 2016 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Calculator for Lump Sum vs pension payout
Replies: 2
Views: 246

Re: Calculator for Lump Sum vs pension payout

If you want to see William Baldwin's article without turning off an ad blocker , you can use the cached Google link and download the calculator, which is an Excel spreadsheet. The calculator provides pension lump sums based on predicted mortalities, and explains assumptions that give a 24% range in ...
by whaleknives
Fri Jan 08, 2016 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Are REITs included in equity allocation?
Replies: 6
Views: 442

Re: Are REITs included in equity allocation?

Yes, equity. Blue is total bond, orange is total stock, and green is REIT.

Image
by whaleknives
Tue Jan 05, 2016 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Why did transportation do poorly in 2015?
Replies: 3
Views: 240

Re: Why did transportation do poorly in 2015?

Here's one theory, based on the microcosm of Berkshire Hathaway and secondary effects: "Although Berkshire has no oil and gas subsidiaries, its railroad business transports oil, coal and agricultural products, and its manufacturing arm sells products to the shrinking oil industry. Weak results ...
by whaleknives
Tue Jan 05, 2016 1:50 pm
Forum: Investing - Theory, News & General
Topic: Football and Index Funds
Replies: 7
Views: 647

Football and Index Funds

Reading about Tom Coughlin's resignation from the Giants, I was surprised at this comment: "One of the NFL's most successful coaches . . . a career NFL record of 170-150 with a 12-7 mark in playoff games." That's a winning record of 0.531 over 20 years as an NFL coach, only 6% above even. ...
by whaleknives
Mon Jan 04, 2016 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Question on Roth Conversion
Replies: 4
Views: 392

Re: Question on Roth Conversion

There is a withholding penalty unless you owe "less than $1,000 in tax after subtracting withholding and estimated tax payments, or if you paid at least 90% of the tax for the current year or 100% of the tax shown on the return for the prior year, whichever is smaller." You can avoid the p...
by whaleknives
Mon Jan 04, 2016 1:26 pm
Forum: Investing - Theory, News & General
Topic: Interactive Brokers Website down?
Replies: 6
Views: 424

Re: Interactive Brokers Website down?

SurferD wrote:I'll keep checking it, Cheers, SurferD

You can try this useful service: http://downforeveryoneorjustme.com/.
by whaleknives
Fri Jan 01, 2016 10:27 pm
Forum: Investing - Theory, News & General
Topic: Kitces analysis of rebalancing pros/cons
Replies: 4
Views: 549

Re: Kitces analysis of rebalancing pros/cons

. . . Especially not over unbounded time horizons during which our current financial system and pervasive economic growth continue without end, assuming an individual investor's time horizon is unbounded and has no expected end. . . First, assume an immortal investor. Or, as the presenter of a robo...
by whaleknives
Fri Jan 01, 2016 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: Best option for work 401k
Replies: 2
Views: 233

Re: Best option for work 401k

I've never heard of a 401(k) plan that provided access only through an advisor, and didn't list investment options online or in printed handouts. You should contact your employer's human resources staff to discuss this problem. You'll quickly find that your employer is Merrill Lynch's customer, and ...
by whaleknives
Thu Dec 31, 2015 12:18 pm
Forum: Personal Consumer Issues
Topic: Who Reads the Comics?
Replies: 44
Views: 1515

Re: Who Reads the Comics?

Image

Fans of Calvin and Hobbes should search for Hobbes and Bacon.
by whaleknives
Tue Dec 15, 2015 11:30 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Plan Administration Options
Replies: 6
Views: 302

Re: 401K Plan Administration Options

Here's a recent thread with links to some 401(k) management quotes:
https://www.bogleheads.org/forum/viewtopic.php?f=1&t=175331#p2649997
by whaleknives
Sat Dec 12, 2015 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Individual 401(k) to Roth IRA Conversion at Vanguard
Replies: 4
Views: 345

Re: Individual 401(k) to Roth IRA Conversion at Vanguard

The Wiki's Roth IRA conversion page might be helpful. Don't forget to dig into the References and External links, including the IRS publications.
by whaleknives
Sat Dec 12, 2015 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Favorite Personal Finance Books
Replies: 9
Views: 1130

Re: Favorite Personal Finance Books

It's no longer just 1066: "In her third iteration of “Making the Most of Your Money Now” (Simon & Schuster, $35), she has rewritten sections to deal with the recent stock and housing market meltdowns. Still, the book, which has grown to 1,242 pages, remains at its heart the “Joy of Cooking”...
by whaleknives
Wed Dec 09, 2015 11:32 pm
Forum: Personal Consumer Issues
Topic: San Antonio vs. Morgantown, WV for 2 docs
Replies: 99
Views: 5820

Re: San Antonio vs. Morgantown, WV for 2 docs

I've visited both. We drove from Cumberland, MD to Morgantown for my wife to take the GRE, and we've lived in the WV panhandle. I stayed in San Antonio with a native Texan for a conference. Morgantown is a small, rural town (metro area population 137,000) with a lot of college students and Applebees...
by whaleknives
Sat Dec 05, 2015 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security: What's the goal?
Replies: 47
Views: 3471

Re: Delaying Social Security: What's the goal?

65 and delaying until 70, to maximize the benefit for my lower earning wife, who should outlive me. If the creek does rise, our fallback will be to start sooner. I expect you'll be getting a lot of answers like this.
by whaleknives
Sat Dec 05, 2015 12:57 pm
Forum: Personal Consumer Issues
Topic: Foundation Repair
Replies: 5
Views: 798

Re: Foundation Repair

I doubt anyone would use foam for load bearing in a foundation; could this be filler between footings or posts? If so, you could reinforce the foam with a 1/4" x 1/4" welded galvanized steel hardware cloth like this from your local home supply store . I'm using it currently to fight off sq...
by whaleknives
Fri Dec 04, 2015 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum or monthly payment
Replies: 3
Views: 427

Re: Lump sum or monthly payment

You could see what kind of Single Premium Immediate Annuities (SPIA's) your lump sum could buy.
by whaleknives
Wed Dec 02, 2015 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Helping me pick the best of the worst in 401k
Replies: 16
Views: 1387

Re: Helping me pick the best of the worst in 401k

To add to retiredjg's first post, here are some recent quotes by Ubiquity and Employee Fiduciary posted by physiorol, and a Boglehead Wiki article on the rationale for participating in even bad 401(k)'s, at least for the employer match.
by whaleknives
Sat Nov 28, 2015 8:04 pm
Forum: Investing - Theory, News & General
Topic: Is Real Estate Bond-Like?
Replies: 40
Views: 3500

Re: Is Real Estate Bond-Like?

JPH wrote:I consider real estate to be more like a stock. . .

:thumbsup And comparing Vanguard Total Bond (blue), Total Stock (orange), and REIT (green) shows it:

Image
by whaleknives
Fri Nov 27, 2015 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Invest with one firm or more than one?
Replies: 15
Views: 1592

Re: Invest with one firm or more than one?

This may be the Wiki link you were thinking of: Mel Lindauer's comments on Vanguard safety.
by whaleknives
Wed Nov 25, 2015 6:33 pm
Forum: Investing - Theory, News & General
Topic: chase yesterdays loser instead of the winner
Replies: 5
Views: 536

Re: chase yesterdays loser instead of the winner

Not market timing prevents chasing anything, winners or losers. There are studies on reversion to mean, including Jack Bogle's well known The Telltale Chart.

But anyone who says you can time the change is just wrong.
by whaleknives
Tue Nov 24, 2015 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Rollover question
Replies: 4
Views: 434

Re: Rollover question

Thanks for the reply. Seems like I could roll over this 403b into ANOTHER (future) employer's 457b, but I wonder if I can do this if both accounts are with the SAME (current) employer. IRS permission is half the battle; the other is whether your plan administrators are willing. Can't you ask your c...
by whaleknives
Mon Nov 23, 2015 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Rollover question
Replies: 4
Views: 434

Re: Rollover question

The quick answer is yes, if the 403(b) is pre-tax (but they "Must have separate accounts"), and no, if the 403(b) is a Roth account. See this IRS ROLLOVER CHART.

More information in this thread and the IRS Publication 575 section on Rollovers.
by whaleknives
Sun Nov 22, 2015 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Heres a good one.. [Income tax on work performed out-of-state]
Replies: 9
Views: 863

Re: Heres a good one..

Since I work under the name of a company out of Texas and receive my income from them does this change anything? I do not actually receive checks from the physical places I perform work for in Massachusetts. Instead they pay the company I work for, and then my company pays me with a company check. ...
by whaleknives
Sun Nov 22, 2015 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Enrolling in Social security and medical part A
Replies: 3
Views: 359

Re: Enrolling in Social security and medical part A

You must have read this: ". . . If you are 65 or older and file for Social Security, the government will consider you to have also filed for Medicare. If you have an HSA, you will no longer be able to make pre-tax contributions to it. In fact, the rules say you need to stop contributions six mo...
by whaleknives
Sat Nov 21, 2015 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part A
Replies: 5
Views: 527

Re: Medicare Part A

More info on delaying Part B: " Special circumstances (Special Enrollment Periods) Once your Initial Enrollment Period ends, you may have the chance to sign up for Medicare during a Special Enrollment Period. If you're covered under a group health plan based on current employment, you have a Sp...
by whaleknives
Sat Nov 21, 2015 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Donating old cars, worth it?
Replies: 23
Views: 2357

Re: Donating old cars, worth it?

. . . Would it make more financial sense to donate the cars, or try and sell them at one of those junkyard/cash for cars places? The kbb value for the Oldsmobile is around 1-1.5k, and the Cadillac is a little closer to 2k. . . Based on my recent experience, I suspect most donated cars end up being ...
by whaleknives
Fri Nov 20, 2015 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Must be a logical reason VTSAX went down today
Replies: 11
Views: 1442

Re: Must be a logical reason VTSAX went down today

Steelersfan wrote:On Wednesday Vanguard was unusually late updating prices. They're usually spot on at 6:00 PA Eastern Time but on Wednesday it was well after 7:00.

:thumbsup You have to check the balance dates - updates have been irregular.
by whaleknives
Thu Nov 19, 2015 8:03 pm
Forum: Investing - Theory, News & General
Topic: How Do You Ignore the Noise?
Replies: 51
Views: 4170

Re: How Do You Ignore the Noise?

livesoft wrote:Years ago I became One with the Noise. I Embrace the Noise. I am the Noise.
Then Anything Else is the Signal. Pay attention to the Signal.

That's very Zen of you. Here's a poll from 1/6/15:
https://www.bogleheads.org/forum/viewtopic.php?f=10&t=154901&p=2322905
by whaleknives
Wed Nov 11, 2015 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: 25 Year Old, Portfolio Review
Replies: 5
Views: 895

Re: 25 Year Old, Portfolio Review

. . . Questions: 1) Is my roth exposed to too much risk at 100% equity? I figured at a young age, why not be all in. Is this logic flawed? 2) After reviewing some posts on tax-efficiency, should I rethink how my taxable account is set up? Originally modeled after Rick Ferri's Core Four. Maybe switc...
by whaleknives
Mon Nov 09, 2015 8:41 pm
Forum: Personal Consumer Issues
Topic: Buying a Log Home
Replies: 25
Views: 2543

Re: Buying a Log Home

Lots of good comments, but I would add that you have to ask about the chinking between the logs. The debate about R-value is based on airsealing. If the logs are well sealed, the R-value can be decent, whereas in a leaky stick built wall the insulation will be defeated by flowing air. As I understa...
by whaleknives
Mon Nov 09, 2015 5:55 pm
Forum: Personal Consumer Issues
Topic: Buying a Log Home
Replies: 25
Views: 2543

Re: Buying a Log Home

We lived in a log home for 15 years, in a PNW-like climate. . . Logs are great insulation if the house is well built. You never have to worry about what color to paint the house. The insulation R-values don't back this up: "THE R-VALUE OF WOOD A material’s thermal resistance or resistance to h...
by whaleknives
Mon Nov 09, 2015 5:13 pm
Forum: Personal Consumer Issues
Topic: Buying a Log Home
Replies: 25
Views: 2543

Re: Buying a Log Home

I've never owned a log home, but had two thoughts from inspecting one about 25 years ago, and driving by others over decades: ⋅ I see debarked logs cracking with aging. Perhaps your builder or owner has solved this with seasoning or a sealant. ⋅ There is the challenge of insulati...
by whaleknives
Sun Nov 08, 2015 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Mechanics of converting IRA to Roth with Vanguard
Replies: 17
Views: 1238

Re: Mechanics of converting IRA to Roth with Vanguard

. . . Is it as simple as exchanging from the IRA and moving that money to the Roth? (i.e. no need to "explain" what I'm doing) Also, how is this distribution coded on the 1099-R? It is as simple as that. They warn you online about the tax consequences. I won't know how it's reported by th...
by whaleknives
Sun Nov 08, 2015 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing, here is my plan and questions
Replies: 10
Views: 1134

Re: New to investing, here is my plan and questions

I see ruralavalon didn't address your company stock. Is it required for matching, or offered on some favorable basis? Company loyalty is commendable, but it is not diversified investing: "Keeping your 401(k) contributions in employer stock is not recommended, as you already have plenty of risk ...
by whaleknives
Sun Nov 08, 2015 4:57 pm
Forum: Forum Issues and Administration
Topic: Any way to highlight response in a long thread?
Replies: 6
Views: 825

Re: Any way to highlight response in a long thread?

If you want a link to the specific post or response, click on the button at the top of the post that is left of "by" poster name and date. That should put the link to in your browser's address field and you can bookmark it. The button looks like a little piece of paper with the upper righ...
by whaleknives
Fri Nov 06, 2015 3:51 pm
Forum: Forum Issues and Administration
Topic: Time Zone [Changing the displayed time]
Replies: 63
Views: 13807

Re: Forum Standard Time or DST?

At 2am DST November 1, 2015 we switched to Standard Time. The Forum clock is still posting DST. You get to set it manually under User Control Panel>Board preferences>Edit global settings. You select your time zone with the desired offset from Coordinated Universal Time or Greenwich. For example, se...
by whaleknives
Fri Nov 06, 2015 12:48 am
Forum: Investing - Help with Personal Investments
Topic: Money Purchase Pension Plan -- Rollover or can I withdraw without penalty the cash?
Replies: 2
Views: 267

Re: Money Purchase Pension Plan -- Rollover or can I withdraw without penalty the cash?

. . . As a benefit of working for this company, they put about 7500 per year for me in what is called a Money Purchase Pension Plan (MPPP) after I had one full year of service. So this has a vested balance of about 19k now. It is invested in several different funds. When I rolled my 401k, I tried t...
by whaleknives
Thu Nov 05, 2015 10:03 pm
Forum: Investing - Theory, News & General
Topic: I have a confession... [Purchased individual stocks]
Replies: 31
Views: 4002

Re: I have a confession...

You have a great woman there. . . :thumbsup A co-worker received a Green Bay Packers share from her husband for her birthday. How do you buy a share of the team? Maybe I should invest in the lions, there is no way they haven't reached rock bottom :oops: "The Packers are the only community-owne...

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