Search found 59 matches

by rocketman
Mon Jul 11, 2011 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Updated advice on erasing external hard disks or USB sticks
Replies: 20
Views: 2966

whatever encryption scheme you use will be worthless in 10 years. Plus whatever media you use to store it will be decaying over that time. Plus the interfaces will change. It is highly unlikely that we'll be using USB, CDs, DVDs, IDE, SATA, etc. in 30 years. I wouldn't store important data on a flas...
by rocketman
Mon Jul 11, 2011 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: WAULA instead of DROPBOX?
Replies: 24
Views: 2765

encryption

most of these cloud storage/sync services offer encryption (particularly for their paid versions), the difference is that THEY are the one encrypting/decrypting your files. So, they are the ones holding the keys, not you. What wuala does is automatically let YOU encrypt the files prior to upload so ...
by rocketman
Fri May 13, 2011 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA
Replies: 10
Views: 2048

Do you know who would receive it if you disclaimed it? You can't direct it, but it would have been nice to set it up to go to the kids (Lower RMDs and Lower taxes).
by rocketman
Mon Mar 28, 2011 8:28 am
Forum: Local Chapters and Bogleheads Community
Topic: Huntsville, AL Bogleheads Local Chapter Established
Replies: 22
Views: 5403

I'm in.
by rocketman
Mon Feb 07, 2011 10:17 am
Forum: Personal Consumer Issues
Topic: Kennedy Space Center
Replies: 10
Views: 1345

trying to time a shuttle launch can be quite daunting. however, nasa and the air force launch many rockets from CCAFS that can make for a spectacular experience. you may want to check out the link below to see if you can time a delta or atlas launch. http://www.nasa.gov/missions/highlights/schedule....
by rocketman
Fri Jan 14, 2011 9:00 am
Forum: Personal Finance (Not Investing)
Topic: I need a mathematical formula
Replies: 13
Views: 2540

don't forget that $3k at age 62 does not equal $3k at age 70. Along with inflation eating your buying power, you may also move to less risky/lower return investments. You are also likely to spend more money each year on health care, and the health care costs themselves will probably outpace nominal ...
by rocketman
Wed Dec 22, 2010 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Buying a 2008 car with 100,000 miles?
Replies: 20
Views: 7324

Just thought I'd throw in a comment on the other side of the fence. I've owned vehicles with 200k and 300k miles. I currently own a late model van that was used in a rental fleet. For the major components ($$) in a car, the stop and go, short trips where the engine doesn't have a chance to warm up, ...
by rocketman
Thu Nov 04, 2010 1:00 pm
Forum: Personal Consumer Issues
Topic: Email address stolen - what to do
Replies: 16
Views: 2948

as some others pointed out, the concern isn't the email account itself, but rather all of the other accounts that you registered with using this email address. Bank Accounts Credit Card Accounts Retirement Accounts Online Stores - everything from eBay or Paypal to Walmart Almost every online account...
by rocketman
Wed Oct 06, 2010 10:43 am
Forum: Personal Consumer Issues
Topic: Cigars
Replies: 31
Views: 4735

Thanks. I guess this begs the question, how does one go about finding a reputable cigar shop, let's say NYC? I don't trust the shop in my neighborhood. So, NYC is the default for reputable and trustworthy? This I find funny... Unless it is a tourist cigar shop, then the shop makes its money on repe...
by rocketman
Wed Sep 29, 2010 12:35 pm
Forum: Personal Consumer Issues
Topic: BCS Picks
Replies: 836
Views: 101141

Arkansas' offense matched a high power quarter back up against a young Alabama defense. That and McElroy's interceptions made for an interesting game. This weekend against Florida should prove another great game; I'm surprised that Alabama is a 7 point favorite. As good as Alabama is, they will stru...
by rocketman
Tue Sep 14, 2010 2:29 pm
Forum: Personal Consumer Issues
Topic: Engine oil change at 5,000 to 10,000 miles
Replies: 109
Views: 18123

there is a lot going on behind the scenes in the physics of the molecules of the newer synthetic oils... superior protection and lower frictional drag, significantly less contaminants, better low temperature properties, lower volatility and high temperature protection, better film strength, VI impro...
by rocketman
Mon May 17, 2010 9:18 am
Forum: Personal Consumer Issues
Topic: [Poll] Do You Encrypt Your Wi-Fi?
Replies: 47
Views: 5552

I thought this was an interesting question because Google recently got in trouble for collecting and storing payload data that was being transmitted over unencrypted residential wifi spots. Apparently when they drove their Street View cars around taking 360 degree photos of all of the streets at str...
by rocketman
Thu May 06, 2010 3:19 pm
Forum: Personal Consumer Issues
Topic: Pointing the Hubble Telescope at "Nothing"
Replies: 82
Views: 11293

The video doesn't mention it, but many speculated that the reason they pointed Hubble at nothing was to find the end of the universe... to prove that the big bang theory was true. They were trying to prove that matter had been traveling away from the center of an explosion, and now they had found th...
by rocketman
Mon May 03, 2010 1:30 pm
Forum: Personal Consumer Issues
Topic: Radon test
Replies: 16
Views: 3768

just FYI, you can buy a DIY radon test kit relatively cheaply... purchase online or maybe at a local store, expose it to the crawlspace/basement according to directions, mail it in, and they'll mail you back your results. This is what your home inspector is doing, you're just paying him a premium to...
by rocketman
Mon Apr 26, 2010 3:41 pm
Forum: Personal Consumer Issues
Topic: Replacement Windows
Replies: 34
Views: 10200

Thought I'd reply on this since I didn't see anyone post experience similar to mine... I did a lot of research about two years ago when I was doing a full remodel. I had quotes from the big name brands, and I was leaning toward the expensive fiberglass windows from one of the national names, but I w...
by rocketman
Mon Apr 26, 2010 3:20 pm
Forum: Personal Consumer Issues
Topic: Crockpot Pulled Pork
Replies: 64
Views: 11864

I just wanted to thank you for not calling it BBQ, which it is not. My wife and I make a similar recipe quite often. Couple of notes... For those that enjoy the smokey flavor of BBQ: you can take the pork out of the crock pot after it is finished, put it on a little aluminum foil, and pop it onto a ...
by rocketman
Mon Apr 26, 2010 3:10 pm
Forum: Personal Consumer Issues
Topic: Suggestions for small, high powered laptop???
Replies: 50
Views: 5081

Can you give some idea of what programs or types of programs your wife will be running all day? Is this for graphic design, engineering CAD programs, accounting software, MS Office, surfing the web, etc? Asking for a smaller, lighter, faster, really powerful computer for cheap is like asking for a f...
by rocketman
Mon Apr 26, 2010 2:49 pm
Forum: Personal Consumer Issues
Topic: Back-up hard drive recommendations?
Replies: 28
Views: 4303

It really depends on what you're looking for; the different solutions can have a wide range in cost. Are you just looking for a place to backup personal files or do you want to keep an up-to-date snapshot of your entire machine in the event of a hard drive failure? Does the drive need to be a self-c...
by rocketman
Fri Mar 26, 2010 8:12 am
Forum: Personal Consumer Issues
Topic: How to speed up a computer
Replies: 95
Views: 10931

I'd like to add a suggestion to the list. I've tried this with many old PCs, though my macs tended to have better solutions. This idea came to me back in college, and without failure--- it works --- 100% of the time. Find a tall building close by, get access to the roof, throw the computer (not moni...
by rocketman
Thu Mar 25, 2010 8:39 am
Forum: Personal Consumer Issues
Topic: computer maintenance questions
Replies: 37
Views: 5589

a lot of good suggestions, but it really depends on what the problem is as to which of these might solve it. and, it is hard to tell without seeing the machine. I'd recommend finding a geeky looking teenager that you moderately trust, and ask him/her if they will come look at your computer and give ...
by rocketman
Thu Mar 18, 2010 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: you may be getting ripped off if (3)...
Replies: 13
Views: 2698

grok

laughing my @$$ off

agree with kdmusic... best sellers list for sure
by rocketman
Thu Mar 18, 2010 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Lump Sum or DCA?
Replies: 26
Views: 2983

In the big picture, it probably won't make whole lot of difference. The key, as was stated earlier, is to make sure you have a well thought out asset allocation and have assessed your risk tolerance... much more important to have those in concrete.
by rocketman
Thu Dec 17, 2009 11:17 am
Forum: Investing - Help with Personal Investments
Topic: EmergDoc's Roth Conversion Thread
Replies: 158
Views: 37039

I've converted all of my IRAs this year, and I can tell you one thing... While I love this website for investing advice, it is not a great place to get legal advice when dealing with things like taxes, IRAs, trusts, etc. I would recommend Ed Slott's forum (google it) for reading about IRA conversion...
by rocketman
Wed Mar 18, 2009 12:02 pm
Forum: Investing - Theory, News & General
Topic: Deflation, inflation, or "normal"
Replies: 38
Views: 5201

Out of fear from being zapped by haberd, I didn't vote...

However, I thought I would post this link from mises.org.

http://mises.org/story/3364
by rocketman
Fri Dec 12, 2008 11:10 am
Forum: Investing - Help with Personal Investments
Topic: How can I invest in an IRA if I make more than $150k.
Replies: 11
Views: 2332

try SEPs IRA or Solo 401k type instruments
by rocketman
Fri Dec 12, 2008 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Can I convert part of my Traditional IRA to ROTH?
Replies: 2
Views: 774

also, to convert at all, your MAGI must be less than 100k regardless of filing status.
by rocketman
Thu Dec 04, 2008 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: Struggling to understand TLH strategy!
Replies: 11
Views: 2334

dave, you're headed the right direction. it has been debated back and forth as to whether the swap you've mentioned (as well as many similar swaps) would trigger the wash sale. unfortunately, the IRS has not spoken explicitly; at least, not to my knowledge. so, it basically falls to a lawyer-like in...
by rocketman
Wed Oct 01, 2008 9:22 am
Forum: Investing - Theory, News & General
Topic: BAILOUT? ... There is no crisis.
Replies: 90
Views: 21739

Dave Ramsey Common Sense Plan

I saw this plan on the Dave Ramsey Site. I was curious if anyone else had looked at it and what there thoughts were... http://www.daveramsey.com/etc/fed_bailout/3_steps_to_change_the_nations_future_10928.htmlc?ictid=sml Common Sense Plan. I. INSURANCE A. Insure the subprime bonds/mortgages with an u...
by rocketman
Tue Sep 23, 2008 8:07 am
Forum: Investing - Help with Personal Investments
Topic: Help Needed on Best Rebalancing Tool
Replies: 7
Views: 2288

If you are just looking for a tool to point out where your current portfolio has deviated from your model portfolio, I like Vanguard's portfolio analysis tool.

And the great thing about it... you don't have to enter all of the symbols and numbers, it already knows them.

my2cents
by rocketman
Tue Sep 23, 2008 8:04 am
Forum: Investing - Theory, News & General
Topic: fannie, freddie, and ginnie. What's the difference?
Replies: 1
Views: 844

fannie, freddie, and ginnie. What's the difference?

I haven't been able to keep up with the local financial news, but I've come to realize that I no longer understand the difference between GNMA, FNMA, FHLMC. After the recent buyout, are they all the same thing now? What are the differences in their assets, debts, owners, modes of operation, etc? And...
by rocketman
Tue Jul 29, 2008 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: tax loss harvesting total stock market from Vanguard?
Replies: 6
Views: 1581

I asked a similar question and had a bit of feedback here:

http://www.bogleheads.org/forum/viewtop ... highlight=
by rocketman
Fri Jul 11, 2008 12:14 am
Forum: Investing - Help with Personal Investments
Topic: Death Occurs Before Writing Off All Tax Harvesting
Replies: 13
Views: 2817

not2late, I asked the same question and received the opposite answer... http://www.bogleheads.org/forum/viewtopic.php?t=20344 It's irrelevant who inherits the estate. The carryover is lost except it could be used in the year of death on the final joint return with Jill. Step up of basis also has no ...
by rocketman
Wed Jul 09, 2008 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Inheriting Tax Free Growth
Replies: 2
Views: 812

Inheriting Tax Free Growth

Assuming your retired parent is in the same tax bracket as you and not subject to the death tax... Instead of the parent selling taxable stock fund holdings to live off of, could the child sell his taxable stock fund holdings to pay for the living expenses of the parent until death... then inherit t...
by rocketman
Wed Jul 09, 2008 10:49 am
Forum: Investing - Help with Personal Investments
Topic: TLH, Separate Accounts, and Death
Replies: 5
Views: 1589

TLH, Separate Accounts, and Death

I have a couple of slightly odd questions that I need some tax advice on... After tax loss harvesting in Jack's account, the benefit is reaped on Jack and Jill's joint tax return. Eh? Jill's losses would be accounted for as well and the total loss would be extended into future years as applicable......
by rocketman
Tue Jul 01, 2008 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Split up Total Stock Mkt for Tax Loss Harvest
Replies: 42
Views: 6590

Have you considered simply exchanging into a money market fund for 30 days: I don't find that particularly advisable in my situation.... The vast majority of my portfolio is taxable and stock (Total Stock Mkt Index to be exact). So, I'd essentially be putting my portfolio on the sidelines for %10 o...
by rocketman
Tue Jul 01, 2008 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Split up Total Stock Mkt for Tax Loss Harvest
Replies: 42
Views: 6590

Split up Total Stock Mkt for Tax Loss Harvest

I'm thinking of selling VTSMX (Total Stock Market) for a loss and buying back with 500 (VFINX) and Extended market (VFINX) in order to harvest a tax loss. Does anyone know the appropriate ratios to buy back at to approximate the total stock market index? Is there any tilting toward small cap. etc, t...
by rocketman
Tue Feb 05, 2008 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor chooses Taxable rather than IRA?
Replies: 16
Views: 3539

can't say this is the first i've heard of this type of thing. unfortunately it is much, much easier to become an investment advisor than it is an electrician or plumber.
by rocketman
Fri Feb 01, 2008 11:56 pm
Forum: Investing - Theory, News & General
Topic: Wash sale rule viz Taxable & Retirement accounts
Replies: 8
Views: 2219

My understanding is that if audited, it could be ruled a wash sale regardless of the type of retirement account. However, my understanding is that you can sell in your account and buy in your spouse's account. Only you need to mix up the number of shares and exact timing of the sale so that it doesn...
by rocketman
Thu Jan 24, 2008 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Funny Joke
Replies: 3
Views: 1554

Funny Joke

A man is getting into the shower just as his wife is finishing up her shower, when the doorbell rings. The wife quickly wraps herself in a towel and runs downstairs. When she opens the door, there stands Bob, the next-door neighbor. Before she says a word, Bob says, "I'll give you $800 to drop that ...
by rocketman
Thu Jan 24, 2008 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Moving to Individual Lower Quality Bonds
Replies: 6
Views: 1452

Moving to Individual Lower Quality Bonds

As interest rates keep dropping, I find myself becoming more and more interested in delving into individual corporate bonds… junk bonds or at least lower quality bonds. Assuming a portfolio with say 1/3 Total US, 1/3 Total Int., 1/3 Total Bond Mkt where bonds are used more as a correlation balance o...
by rocketman
Sat Jan 19, 2008 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: tax question
Replies: 6
Views: 1457

I have a follow-on question regarding wash sales...

Can the husband sell for a loss while the wife buys? Separate accounts with different SSN... Does it matter if they are filing jointly?
by rocketman
Thu Jan 17, 2008 2:07 pm
Forum: Investing - Theory, News & General
Topic: Post Modern Portfolio Theory
Replies: 16
Views: 4176

gatorman, I took particular interest in this a while back. However, I never wanted to shell out the cash to play with the program. I figured I'd eventually find a free one online, but I never did. Any chance anyone knows of a free one? Mathematically, it makes sense to me... It is a step in the righ...
by rocketman
Fri Jan 11, 2008 10:35 am
Forum: Investing - Theory, News & General
Topic: REITs clobbered
Replies: 77
Views: 18029

From Bernanke's speech yesterday, "...housing starts and new home sales have both fallen by about 50 percent from their respective peaks."

Vanguard's REIT fund has fallen roughly 30%. From the economic indicators I've seen, I don't think I'd be expecting a near term upswing...
by rocketman
Fri Jan 11, 2008 9:53 am
Forum: Investing - Theory, News & General
Topic: Inflation on the horizon...?
Replies: 10
Views: 2319

Inflation on the horizon...?

From Bernanke's speech the other day... Even as the outlook for real activity has weakened, there have been some important developments on the inflation front. Most notably, the same increase in oil prices that may be a negative influence on growth is also lifting overall consumer prices and probabl...
by rocketman
Thu Jan 03, 2008 8:44 am
Forum: Investing - Theory, News & General
Topic: Efficient Frontier, Std Dev, & Long Time Horizons
Replies: 11
Views: 3409

If the asset's or asset allocation's distribution of returns is "Normal"/ Gaussian
Just be careful here. Don't forget that they aren't really normal...
by rocketman
Fri Dec 07, 2007 10:19 pm
Forum: Investing - Theory, News & General
Topic: Investing Risk and Bonds
Replies: 58
Views: 12018

...they have no way to relate to the devastating consequences risk can have. I agree with that statement, but not for the reason you might think. As United stated, Also, remember that young investors have small portfolios. So, they loose half of 10k instead of half of 8k (with 2k in bonds)... just ...
by rocketman
Wed Dec 05, 2007 1:54 pm
Forum: Investing - Theory, News & General
Topic: Playing it safe can kill your portfolio ???
Replies: 25
Views: 5461

Turns out most of the funds that the S&P 500 beat over the last five years are those with relatively new and unproven managers. Interestingly, I think I just read something somewhere that stated the exact opposite. It said younger active fund managers produced higher returns than older more experie...
by rocketman
Wed Dec 05, 2007 1:41 pm
Forum: Investing - Theory, News & General
Topic: Index = momentum investing
Replies: 20
Views: 4917

Momentum Investing

So if someone could be so kind to just explain momentum investing, and not give me any advice I would appreciate it. Sarah, good question. A very simple answer is that momentum investing is buying things (real estate, company stock, bonds, gold, etc.) that have done well in the recent past and simi...
by rocketman
Wed Dec 05, 2007 10:47 am
Forum: Investing - Theory, News & General
Topic: Thoughts.
Replies: 51
Views: 10911

Lastly, maybe this should be another post but for those who are posting that are in their 20's (young 20's, when I was still in college) how do you manage such high numbers already in Roth IRA's? [some over 100k]
Inherited a Roth or converted a SEP.

That would be my guess...
by rocketman
Wed Dec 05, 2007 9:21 am
Forum: Investing - Theory, News & General
Topic: Admiral -> Investor Shares and Tax Consequences
Replies: 9
Views: 2867

Interesting comment about the share price... I didn't know that.

Nevertheless, I was assuming you sold some shares.