Search found 499 matches

by One Ping
Sun Nov 11, 2018 10:15 pm
Forum: Investing - Theory, News & General
Topic: The Perfect Portfolio for You
Replies: 27
Views: 4097

Re: The Perfect Portfolio for You

Rick Ferri wrote:
Sat Nov 10, 2018 10:47 pm
One Ping

Great post!

:D
Thanks, Rick!
by One Ping
Sun Nov 11, 2018 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: RMDs in the year one becomes 70 1/2
Replies: 24
Views: 1806

Re: RMDs in the year one becomes 70 1/2

Silk McCue wrote:
Sun Nov 11, 2018 3:56 pm
One Ping wrote:
Sun Nov 11, 2018 3:49 pm
RMDs are due in the year you turn 70.5.
Thanks for catching the typo.

Cheers
:beer
by One Ping
Sun Nov 11, 2018 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: RMDs in the year one becomes 70 1/2
Replies: 24
Views: 1806

Re: RMDs in the year one becomes 70 1/2

Any funds that you withdraw from a retirement account counts toward the RMD. But not conversions. True, ... but RMDs come out first, then conversions. Therefore once you enter the year you turn 70 70.5 you must take an RMD based upon the account balance as of 12/31/prior year. Since you will have d...
by One Ping
Sun Nov 11, 2018 2:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: Armistice Day - 100 years ago today, the ending of World War One
Replies: 10
Views: 728

Re: Armistice Day - 100 years ago today, the ending of World War One

bhsince87 wrote:
Sun Nov 11, 2018 1:34 pm
This is supposedly an audio recording of the moment the war ended.

https://metro.co.uk/2018/11/07/eerie-re ... 1-8114109/
Wow. Very eerie ... especially the bird tweets.

Thanks to all vets for their sacrifices ... past and present.
by One Ping
Sun Nov 11, 2018 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: RMDs in the year one becomes 70 1/2
Replies: 24
Views: 1806

Re: RMDs in the year one becomes 70 1/2

billthecat wrote:
Sun Nov 11, 2018 2:41 pm
testing321 wrote:
Sun Nov 11, 2018 2:34 pm
Any funds that you withdraw from a retirement account counts toward the RMD.
But not conversions.
True, ... but RMDs come out first, then conversions.
by One Ping
Sun Nov 11, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: RMDs in the year one becomes 70 1/2
Replies: 24
Views: 1806

Re: RMDs in the year one becomes 70 1/2

To make it short: in the calendar year that one bevomrs 70.5, is one required to take a Required Minimum Distribution or only if there is a balance after becoming 70.5? If you would like a longer version or interested in why I am asking: I am now into a several-year strategy in attempting to fully ...
by One Ping
Sat Nov 10, 2018 6:18 pm
Forum: Investing - Theory, News & General
Topic: The Perfect Portfolio for You
Replies: 27
Views: 4097

Re: The Perfect Portfolio for You

Let's step back for a minute and look at the three elements of successful Boglehead investing: 1. Philosophy 2. Strategy 3. Discipline Philosophy: We all have the same beliefs - fees matter, don't try to time market, etc. The list is on the Bogleheads Wiki Strategy: This is personal. Unique to you....
by One Ping
Wed Nov 07, 2018 7:06 pm
Forum: Forum Issues and Administration
Topic: Remembering context of the post read so far
Replies: 5
Views: 557

Re: Remembering context of the post read so far

Not an administrator, but I suspect it's phpbb functionality since my understanding is the board does very little, if any, customization of the phpbb software/settings.
by One Ping
Mon Nov 05, 2018 7:44 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman 2 Funds for Life
Replies: 41
Views: 6999

Re: Paul merriman 2 fund solution

Have anyone heard of Paul merrimens 2 fund solution. There are a few different versions but most take your age times it by a number and that should be the % in us small cap value, the rest goes in vanguard target date retirement. More goes into target date retirement as you get older. I would like ...
by One Ping
Sun Nov 04, 2018 11:36 pm
Forum: Investing - Help with Personal Investments
Topic: One Fund Portfolio
Replies: 8
Views: 1284

Re: One Fund Portfolio

... concerns about my wife being able to handle our VG account if I were to pass first. I would like to simplify to one account if possible [to] make things easier for my wife if I pass first. Others with much more knowledge than myself will likely follow-up, but I'll give you my thoughts. Since yo...
by One Ping
Sun Nov 04, 2018 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: One Fund Portfolio
Replies: 8
Views: 1284

Re: One Fund Portfolio

I have been wrestling with the same concern ... and arrived at similar conclusions, i.e., either the Tax-Managed Balance Fund (VTMFX) or a LifeStrategy Fund (VSMGX). In addition, I have been considering a 2-Fund portfolio of Wellesley (VWENX) and Wellington (VWINX). In the latter case, if I pass fir...
by One Ping
Mon Oct 22, 2018 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Confused about compound interest and diminishing returns
Replies: 7
Views: 1343

Re: Confused about compound interest and diminishing returns

I guess my thoughts are more the "diminishing" returns of investing more. I'm curious if others get to a point where they say, investing more isn't worth it...it's only allowing me to retire 2 months error for the same $6K. One way to maybe think about this is that the $6K you invest today has 30 y...
by One Ping
Sun Oct 21, 2018 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: First RMD is due last day of year
Replies: 31
Views: 1668

Re: First RMD is due last day of year

So, it's the date of withdrawal, not the date the charity gets/deposts the check. Can I expect Vanguard to cut the check on the day I call? I would expect them to cut the check either that day or the next. However, the transaction will occur on the day you call as long as it is a business day and y...
by One Ping
Sun Oct 21, 2018 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: First RMD is due last day of year
Replies: 31
Views: 1668

Re: First RMD is due last day of year

So, it's the date of withdrawal, not the date the charity gets/deposts the check.

Can I expect Vanguard to cut the check on the day I call?
by One Ping
Sun Oct 21, 2018 8:10 pm
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 132
Views: 8634

Re: Quitting w/o notice

jadedfalcons wrote:
Sun Oct 21, 2018 7:34 pm
As a business owner, it's very poor form to quit with no notice.
Just curious, if in an at will state where employers prefer employees to give 2 weeks notice, do they give employees 2 weeks notice when they are let go?

Just wondering frequently that happens.
by One Ping
Sun Oct 21, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: First RMD is due last day of year
Replies: 31
Views: 1668

Re: First RMD is due last day of year

I turn 70 next year on June 30, 2019, and I believe that means my first RMD must come out of my IRA on Dec 30, 2019. Not to derail the thread, but how does one deal with making a QCD for 2019 in this situation? You cannot make a QCD until you are "literally" 70.5, but having to execute it on EXACTL...
by One Ping
Sun Oct 21, 2018 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Retire now or in the Spring. - changing work conditions
Replies: 35
Views: 3643

Re: Retire now or in the Spring. - changing work conditions

fsrph wrote:
Sun Oct 21, 2018 5:55 pm
It will be high stress, low reward work. ... I'm 59 and have saved at least 65x expenses with a pension of 2100 @65 and I plan to delay SS til 70.
I'd phone it in ... tomorrow. :sharebeer

Life's too short, especially if it's going involve additional stress.

One Ping
by One Ping
Tue Oct 16, 2018 7:41 pm
Forum: Investing - Theory, News & General
Topic: "Safe" Withdrawal Rate for Early Retirees (or any retiree)
Replies: 226
Views: 19460

Re: "Safe" Withdrawal Rate for Early Retirees (or any retiree)

These are my favorite threads. Ditto. I have seen lots of comments about "flexibility" and the notion people will not blindly just follow the 4% rule from the Trinity Study. I have not seen anyone mention the articles specifically addressing the myths of flexibility addressed in the Early Retiremen...
by One Ping
Tue Oct 16, 2018 2:25 pm
Forum: Investing - Theory, News & General
Topic: Monthly vs. Annual Withdrawals
Replies: 22
Views: 2219

Re: Monthly vs. Annual Withdrawals

60% US Stock Market 20% Global Stocks Ex-US 40% Total US bond Market Anyone else notice this is 120% of the portfolio? OP, is this what you meant? 40% US Stock Market 20% Global Stocks Ex-US 40% Total US bond Market OP's portfolio had better returns :D :greedy So how do you run a monte carlo with -...
by One Ping
Tue Oct 16, 2018 12:17 pm
Forum: Investing - Theory, News & General
Topic: Monthly vs. Annual Withdrawals
Replies: 22
Views: 2219

Re: Monthly vs. Annual Withdrawals

chuckb84 wrote:
Tue Oct 16, 2018 10:40 am
60% US Stock Market
20% Global Stocks Ex-US
40% Total US bond Market
Anyone else notice this is 120% of the portfolio?

OP, is this what you meant?
40% US Stock Market
20% Global Stocks Ex-US
40% Total US bond Market
by One Ping
Sun Oct 14, 2018 5:05 pm
Forum: Investing - Theory, News & General
Topic: "Safe" Withdrawal Rate for Early Retirees (or any retiree)
Replies: 226
Views: 19460

Re: "Safe" Withdrawal Rate for Early Retirees (or any retiree)

If only ex-U.S. data are used, then the SWR for a 30 year retirement and a balanced portfolio has been around 3%. Is there a tool somewhere for figuring this out? FIRECalc seems to be US-only. I wonder what it would be for early retirees with 40 or 50 years of retirement. Wade Pfau has done work in...
by One Ping
Sun Oct 14, 2018 4:36 pm
Forum: Personal Consumer Issues
Topic: Bed bug problem attack plan
Replies: 19
Views: 2083

Re: Bed bug problem attack plan

DoTheMath wrote:
Sun Oct 14, 2018 2:02 pm
"I say we take off and nuke the entire site state from orbit. It's the only way to be sure." -Ripley
Fixed that for you ... :twisted:
by One Ping
Sun Oct 14, 2018 4:25 pm
Forum: Investing - Theory, News & General
Topic: "Safe" Withdrawal Rate for Early Retirees (or any retiree)
Replies: 226
Views: 19460

Re: "Safe" Withdrawal Rate for Early Retirees (or any retiree)

When they say "stocks" in this table, what does it mean? US total stock market index? Is there any ex-US? This is what ERN says he uses ... We use monthly total return data (including dividends/interest) for the S&P500 and 10-year Treasury Bonds from January 1871 to September 2016. ... We assume th...
by One Ping
Sun Oct 14, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: Failed hard drive(?) data recovery
Replies: 59
Views: 5005

Re: Failed hard drive(?) data recovery

OP here ... Update 2 The hardware check was completed on Friday and didn't reveal any h/w problems with the laptop. Since the SSD had been removed earlier to recover the files, and seemed to check out okay, the h/w tech and I concluded that the problem must have either been unique to the h/w interfa...
by One Ping
Thu Oct 11, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: What would you do with some bulk silver?
Replies: 41
Views: 2557

Re: What would you do with some bulk silver?

In the 80's a local guy was paying 20 times face value for silver coins so I brought him a box full but he had just lowered his price to 18 times face value. I still have that box of silver! I remember those days when the Hunt's were trying to corner the silver market. Have not seen prices like tha...
by One Ping
Thu Oct 11, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: What would you do with some bulk silver?
Replies: 41
Views: 2557

Re: What would you do with some bulk silver?

How old are your kids? If old enough, it might be a fun and educational project for them to do some online research of the individual pieces, and determine what they are worth. I think this is a great idea! When I was a kid I collected coins and found it fascinating to think about and investigate w...
by One Ping
Wed Oct 10, 2018 3:31 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 RBD?
Replies: 28
Views: 2127

Re: S&P 500 RBD?

triceratop wrote:
Wed Oct 10, 2018 3:16 pm
I think the Hunt for Red October is over, we found it, it's here!
:D One Ping only Vasily ... :sharebeer
by One Ping
Wed Oct 10, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: Dayton, Ohio -- Worth Visiting?
Replies: 39
Views: 3055

Re: Dayton, Ohio -- Worth Visiting?

Dayton AFM also has Boxcar on display. The B-29 that dropped Fat Man, the bomb that ended WWII. Then name of that B-29 is actually "Bockscar," named after the first captain of the airplane Frederick Bock. https://www.nationalmuseum.af.mil/Visit/Museum-Exhibits/Fact-Sheets/Display/Article/196194/boc...
by One Ping
Mon Oct 08, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: Failed hard drive(?) data recovery
Replies: 59
Views: 5005

Re: Failed hard drive(?) data recovery

I use a homebrew setup with a couple of scripts I wrote. One backups up locally daily. The other encrypts my files and uploads to OneDrive. I hate to pay monthly fees if I don't have to. Is there an app that will run backups on folders you select at intervals you select to locations you select? :?:...
by One Ping
Mon Oct 08, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: Failed hard drive(?) data recovery
Replies: 59
Views: 5005

Re: Failed hard drive(?) data recovery

Is there an app that will run backups on folders you select at intervals you select to locations you select? :?: I use SyncBack (free edition). I use it to sync folders from computers to external drives/USB. It will do a compare of the folders and only copy the changed files based on the rules you ...
by One Ping
Mon Oct 08, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: Failed hard drive(?) data recovery
Replies: 59
Views: 5005

Re: Failed hard drive(?) data recovery

I use a homebrew setup with a couple of scripts I wrote. One backups up locally daily. The other encrypts my files and uploads to OneDrive. I hate to pay monthly fees if I don't have to. Is there an app that will run backups on folders you select at intervals you select to locations you select? :?:...
by One Ping
Sun Oct 07, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Failed hard drive(?) data recovery
Replies: 59
Views: 5005

Re: Failed hard drive(?) data recovery

Thanks for the feed back.

I've not been able to find an 'off-the-shelf' laptop unit that has what I think I'm looking for. Looks like I might be able to configure one using the Lenovo site, though. Any feed back on Lenovo good/bad or otherwise? :?:
by One Ping
Sat Oct 06, 2018 8:30 pm
Forum: Personal Consumer Issues
Topic: Failed hard drive(?) data recovery
Replies: 59
Views: 5005

Re: Failed hard drive(?) data recovery

You are also paying for a premium graphic chip set even though it sounds like you may not play games, do CAD, etc. I had heard that some CPU hungry applications use the graphics chip as another processor to offload some of the calculation load to. Am I mis-remembering that, or is it not significant...
by One Ping
Sat Oct 06, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: Failed hard drive(?) data recovery
Replies: 59
Views: 5005

Re: Failed hard drive(?) data recovery

Uodate 2 ... Picked up the disk recovery files from geek squad this morning. Amazingly enough it looks like everything is there! No word on h/w status yet. Probably mid next week. While there I looked at other laptops. I do a lot of heavy calculation work (i.e., large multi-tab integrated spreadshee...
by One Ping
Wed Oct 03, 2018 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 242
Views: 22337

Re: "Open Social Security" calculator: feature requests, bug reports, etc

ObliviousInvestor wrote:
Wed Oct 03, 2018 1:29 pm
Per onthecusp's and One Ping's requests, the "About" page now has a brief bit of data about the default SSA mortality table, as well as a link to the table itself.
Thanks, Mike. This is my go to tool for analyzing SS claiming options.
by One Ping
Wed Oct 03, 2018 7:02 pm
Forum: Personal Consumer Issues
Topic: Failed hard drive(?) data recovery
Replies: 59
Views: 5005

Re: Failed hard drive(?) data recovery

OP here. Update 1 (there will be more ...) Took the machine to Geek Squad. They tried resetting the BIOS, but no joy. Still,wouldn't boot. Then they removed the drive. Ah ha! It's an M.2 SSD, so at least no scraping of the read/write head on the disk to worry about. They plugged it into one of their...
by One Ping
Tue Oct 02, 2018 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 242
Views: 22337

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Mike, a request regarding the descriptions of the mortality tables provided on your information page ( Mortality Table Options ). For each of the four alternative mortality tables you provide the median age at death for 62 year old males and females. You don't provide that same information for your ...
by One Ping
Tue Oct 02, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: Failed hard drive(?) data recovery
Replies: 59
Views: 5005

Re: Failed hard drive(?) data recovery

CaliJim wrote:
Tue Oct 02, 2018 10:38 am
Pinging Mr. Ping:

Report?
Been quite busy with other things the last few days ... hope to get on this tomorrow. Will report back when I have either success :D or failure :shock: .
by One Ping
Mon Oct 01, 2018 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Calculators and WEP or GPO
Replies: 10
Views: 1735

Re: Social Security Calculators and WEP or GPO

Workinghard wrote:
Sun Jun 14, 2015 9:04 pm
Here's another calculator that might help.

http://www.bedrockcapital.com/ssanalyze/
Bedrock calculator went away after they were bought by [somebody?].
by One Ping
Mon Oct 01, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Failed hard drive(?) data recovery
Replies: 59
Views: 5005

Re: Failed hard drive(?) data recovery

Thanks for the advice everybody. I'm pretty much all thumbs when it comes to hardware, so I'm thinking of taking it back to where I bought it in the next few days. We will see what they say. I will make it clear that they should do nothing that would alter the drive in any way. If they can't fix it,...
by One Ping
Sun Sep 30, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: Failed hard drive(?) data recovery
Replies: 59
Views: 5005

Re: Failed hard drive(?) data recovery

CaliJim wrote:
Sun Sep 30, 2018 5:51 pm
One Ping wrote:
Sun Sep 30, 2018 5:45 pm
CaliJim wrote:
Sun Sep 30, 2018 5:29 pm
numerous threads on this forum regarding online back services!!!! (Mozy, Carbonite, crashplan, etc etc etc)
Yes. :oops: mea culpa, mea culpa.

Thanks to you and jebmke for you suggestions.
LOL. Report back on how it goes for you.
Yup. :beer
by One Ping
Sun Sep 30, 2018 5:45 pm
Forum: Personal Consumer Issues
Topic: Failed hard drive(?) data recovery
Replies: 59
Views: 5005

Re: Failed hard drive(?) data recovery

CaliJim wrote:
Sun Sep 30, 2018 5:29 pm
numerous threads on this forum regarding online back services!!!! (Mozy, Carbonite, crashplan, etc etc etc)
Yes. :oops: mea culpa, mea culpa.

Thanks to you and jebmke for you suggestions.
by One Ping
Sun Sep 30, 2018 5:24 pm
Forum: Personal Consumer Issues
Topic: Failed hard drive(?) data recovery
Replies: 59
Views: 5005

Re: Failed hard drive(?) data recovery

Not sure I remember creating anything special for recovery when I got the laptop. If it didn't come with it I may not have it. Would have to go to the MS site to create it.

I have zero Linux skills. Wouldn't know how to spell it if spell check didn't correct if for me. :happy
by One Ping
Sun Sep 30, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: Failed hard drive(?) data recovery
Replies: 59
Views: 5005

Re: Failed hard drive(?) data recovery

Thanks CaliJim, It's important to me to maintain the data on the disk for eventual recovery if the recovery doesn't work. Will using the recover media preclude recovering the data later if it doesn't work? (e.g., will it erase/overwrite any sectors with stored file data in them?) I'm not sure where ...
by One Ping
Sun Sep 30, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: Failed hard drive(?) data recovery
Replies: 59
Views: 5005

Failed hard drive(?) data recovery

I have a 2 or 3 year old HP laptop that looks to me like it has had some sort of drive failure. When powered on (actually 'woken up') it said/says: "BootDevice Not Found Please install an operating system on your hard disk Hard Disk - (3F0) F2 System Diagnostics For more information please visit: ww...
by One Ping
Sun Sep 30, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Health insurance in Canada for An American Visitor
Replies: 19
Views: 1312

Re: health insurance in Canada

hmw wrote:
Sun Sep 30, 2018 12:12 pm
But many health plans in the US will not cover medical cost incurred outside of US, even if it is an emergency.
Does Medicare + Medicare Supplemental policy cover you on visits to Canada?
by One Ping
Sun Sep 30, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Salary negotiation: saying a number first on purpose?
Replies: 43
Views: 4024

Re: Salary negotiation: saying a number first on purpose?

I personally would be very satisfied to get a 15% bump in total compensation ... Be careful using the term total compensation. Companies sometimes use this term to include health care premiums, 401(k) matching and anything else they pay for the employee, not just salary and bonuses. If your salary ...
by One Ping
Mon Sep 17, 2018 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security Until 70
Replies: 115
Views: 9474

Re: Delaying Social Security Until 70

Our plan is wife claims her smaller benefit at FRA. That way her eventual spousal benefit will not be reduced. I'll claim at 70. Unfortunately we missed the restricted filing options, otherwise our strategy might have been different (and better). Is it permissible for a spouse to claim their own be...
by One Ping
Mon Sep 17, 2018 11:46 am
Forum: Investing - Theory, News & General
Topic: Unchanging opinions
Replies: 25
Views: 2297

Re: UNCHANGING OPINIONS

In the real world, we know that the "information" we receive is not perfectly reliable, and we do Bayesian inference on it when it conflicts with what we already believe. We also weigh our opinions against the personal consequences of being right or wrong. This isn't necessarily improper or irratio...
by One Ping
Mon Sep 17, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security Until 70
Replies: 115
Views: 9474

Re: Delaying Social Security Until 70

I am not sure how you arrived at a SS benifit of $43,524/yr @ 70 but perhaps check the source to make sure your calcs are correct. Seems doable for a relatively high lifetime earner. $43,524/yr @ 70 requires an age 66 FRA PIA of about $2,748 (2747.73 * 1.32 * 12 = 43524.04). Current maximum PIA per...