Search found 4832 matches

by Browser
Sun Sep 23, 2012 9:09 am
Forum: Personal Finance (Not Investing)
Topic: IRS rules for inherited 403(b) plans vs. IRAs?
Replies: 16
Views: 11311

IRS rules for inherited 403(b) plans vs. IRAs?

I'm somewhat familiar with the IRS rules pertaining to inherited IRAs from reading Ed Slott's books. I'm wondering if the same rules apply to 403(b) plans, or if there are important differences. If the rules for inherited IRAs are less restrictive, can non-spouse beneficiaries simply roll over an in...
by Browser
Sat Sep 22, 2012 1:54 pm
Forum: Personal Consumer Issues
Topic: Road bike - carbon or alloy
Replies: 74
Views: 9100

Re: Road bike - carbon or alloy

wshang wrote: @Browser: generally accepted ranking of Shimano groupsets
Dura-Ace Di2 [9070] (electronic)
Dura-Ace
Ultegra Di2 [6770] (electronic)
Ultegra
105
Tiagra
Sora
Thanks. Where does the Deore fit in? That's what I've got now on back and Acera on the front.
by Browser
Sat Sep 22, 2012 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Medigap policy cost
Replies: 68
Views: 35736

Re: Medicare Medigap policy cost

Just how can you shop premium price on Medigap anyway - must you deal with a broker? For Part D you can easily shop price on Medicare website, but nothing comparable for Medigap there.
by Browser
Sat Sep 22, 2012 9:29 am
Forum: Personal Consumer Issues
Topic: Road bike - carbon or alloy
Replies: 74
Views: 9100

Re: Road bike - carbon or alloy

I decided to trade off my road bike for a fitness hybrid for the more comfortable riding position. These have pretty good road characteristics as well. Got a Trek 7.4 FX with al frame and carbon fork. I notice that the components for this type bike appear not to be the same as the ones mentioned in ...
by Browser
Thu Sep 20, 2012 10:33 pm
Forum: Investing - Theory, News & General
Topic: Investors Worry/Markets Rally
Replies: 28
Views: 3342

Re: Investors Worry/Markets Rally

Larry - regardless of the explanation, corporate profits are quite elevated historically. Perhaps the E will remain at nosebleed levels indefinitely but it doesn't seem prudent to bet on it, IMO. I certainly wouldn't want to justify that bet with the slim reed of forward P/E. But, as they say, you c...
by Browser
Thu Sep 20, 2012 5:20 pm
Forum: Personal Consumer Issues
Topic: UPS shipment notice scam
Replies: 14
Views: 2327

Re: UPS shipment notice scam

I should have mentioned that I use Windows Live Mail 2011 as my email client - I'm not using web based gmail.
by Browser
Thu Sep 20, 2012 11:20 am
Forum: Investing - Theory, News & General
Topic: Investors Worry/Markets Rally
Replies: 28
Views: 3342

Re: Investors Worry/Markets Rally

Larry - The complete article by Montier (pdf) is more instructive than the summary linked article. It might be helpful to look at it. https://www.gmo.com/America/CMSAttachmentDownload.aspx?target=JUBRxi51IIBtbYEu0yy2D233Qql0krF9YIWDpyU9bC1DsIW9OxrQN38JW598obIegPVL5Vm43jTd74zJ0R1rY2lRRYvkFggPe%2bdZF4...
by Browser
Thu Sep 20, 2012 10:30 am
Forum: Personal Consumer Issues
Topic: UPS shipment notice scam
Replies: 14
Views: 2327

UPS shipment notice scam

I keep getting an apparently fraudulent email from "UPS Support" with the subject title "UPS shipment status ID#12584". GMail puts it into the spam folder, and I have no knowledge of any actual UPS shipment to me. This seems like it would be a tempting and effective spam (or worse) email that most p...
by Browser
Thu Sep 20, 2012 10:23 am
Forum: Personal Consumer Issues
Topic: The iPad can replace a computer
Replies: 63
Views: 6053

Re: The iPad can replace a computer

usorry wrote:When the iPad can run Quicken and I can export my current data file, then I'll switch.
Maybe the upcoming Win8 tablet will be able to do this. I'm waiting to see. And you get a keyboard too. Sounds like it might be a winner.
by Browser
Thu Sep 20, 2012 10:01 am
Forum: Investing - Theory, News & General
Topic: TIPS: Inflation protection still has risks.
Replies: 42
Views: 5070

Re: TIPS: Inflation protection still has risks.

The effect of suppressing interest rates has been to move all assets to a point where expected returns are quite low - the result of shifting demand from low return asset to higher return assets and driving up the price of the latter. If interest rates move up significantly, it won't be just TIPS th...
by Browser
Thu Sep 20, 2012 9:43 am
Forum: Investing - Theory, News & General
Topic: Investors Worry/Markets Rally
Replies: 28
Views: 3342

Re: Investors Worry/Markets Rally

Larry - I'm not the author and "freakish" isn't my term, it's James Montier's. I guess you didn't read his article. While you make an interesting point about capital investment vs. wages, I don't believe it trumps Montier's argument in any way - in fact he incorporates investment and wages as variab...
by Browser
Wed Sep 19, 2012 5:46 pm
Forum: Investing - Theory, News & General
Topic: Investors Worry/Markets Rally
Replies: 28
Views: 3342

Re: Investors Worry/Markets Rally

From the article: It's also important to note that despite the strong gains, valuations are at reasonable levels compared to historical averages. Using Morningstar's data, Vanguard's 500 Index Fund (VFINX) is trading at a forward-looking price-to-earnings ratio of about 13.5, and its Total Internati...
by Browser
Wed Sep 19, 2012 5:01 pm
Forum: Personal Consumer Issues
Topic: The iPad can replace a computer
Replies: 63
Views: 6053

Re: The iPad can replace a computer

So, can an iPhone do most of the same things an iPad can but in a smaller package? Plus I hear you can make phone calls with it - is this the real all-in-one device? I don't know - so far I've avoided spending hundreds of dollars on these things and the monthly communication charges that go with th...
by Browser
Wed Sep 19, 2012 3:17 pm
Forum: Investing - Theory, News & General
Topic: Case Schiller question
Replies: 5
Views: 475

Re: Case Schiller question

US national index levels, not seasonally adjusted. Historic prices are inflation adjusted August 2012 dollars. http://www.multpl.com/case-shiller-home-price-index-inflation-adjusted/ It's relatively easy to do a google and find the answer to stuff like this. That's what I did and it popped right up!
by Browser
Wed Sep 19, 2012 3:13 pm
Forum: Personal Consumer Issues
Topic: The iPad can replace a computer
Replies: 63
Views: 6053

Re: The iPad can replace a computer

So, can an iPhone do most of the same things an iPad can but in a smaller package? Plus I hear you can make phone calls with it - is this the real all-in-one device? I don't know - so far I've avoided spending hundreds of dollars on these things and the monthly communication charges that go with them.
by Browser
Wed Sep 19, 2012 11:25 am
Forum: Investing - Theory, News & General
Topic: TIPS 10 yr Breakeven Inflation Rate Up 25 bps
Replies: 12
Views: 2405

Re: TIPS 10 yr Breakeven Inflation Rate Up 25 bps

Take a good look at the FRED graph linked by Ranger upthread. It shows that inflation expectations are now breaching a multi-year high. It's been a nice ride for my TIPS this year thanks to BB and The Boys.
by Browser
Wed Sep 19, 2012 11:11 am
Forum: Personal Consumer Issues
Topic: The iPad can replace a computer
Replies: 63
Views: 6053

Re: The iPad can replace a computer

Back to the OP's subject: can an iPad replace a [laptop] computer? Since a computer isn't used for taking pictures, this seems like an off-topic issue. Likewise, high-end gaming and other niche applications seem a bit off-topic too, IMO. I think the sense of what's been posted otherwise is that many...
by Browser
Wed Sep 19, 2012 10:01 am
Forum: Investing - Theory, News & General
Topic: Wade Pfau on 'The Toughest Retirement Decision'
Replies: 36
Views: 5544

Re: Wade Pfau on 'The Toughest Retirement Decision'

Thanks for posting link to Wade's article. Provides a wonderful summary of the arguments regarding systematic withdrawals and SPIAs, and readers not familiar with the issues should read slowly and carefully. This article represents the distillation of an entire collection of articles on these topics.
by Browser
Wed Sep 19, 2012 9:44 am
Forum: Personal Consumer Issues
Topic: The iPad can replace a computer
Replies: 63
Views: 6053

Re: The iPad can replace a computer

I found a great alternative to the iPad as a camera - it's called a digital camera. Smaller, cheaper, and takes good pics too! I bought one when after I found out an iPad wouldn't fit into my packet. Had enough money left to buy a computer. :happy
by Browser
Tue Sep 18, 2012 9:22 pm
Forum: Investing - Theory, News & General
Topic: Could you create an investment that would lose 97.5%?
Replies: 7
Views: 1126

Re: Could you create an investment that would lose 97.5%?

You could have lost 89% just owning a garden variety stock index from 1929-32. It didn't go down more than that because it didn't. No esoteric investments are required to get wiped out messing about on Wall Street. :shock:
by Browser
Tue Sep 18, 2012 9:51 am
Forum: Personal Consumer Issues
Topic: The iPad can replace a computer
Replies: 63
Views: 6053

Re: The iPad can replace a computer

Not quite there yet, IMO. I use the free legacy MS Money to keep track of my income and spending, and I like to use Excel to keep track of stuff like my investment portfolio. Tablets don't offer comparable replacements for these apps, and many others. Also, missing USB ports on an iPad is a major do...
by Browser
Mon Sep 17, 2012 10:00 am
Forum: Investing - Theory, News & General
Topic: Leaky Buckets of Money
Replies: 16
Views: 1829

Re: Leaky Buckets of Money

Pretty wide paintbrush, IMO. Seems to me, for example, that investment gurus who promote high equity allocations have been relying on "backtesting" forever to sell that thesis. Who the heck would run a big bet on stocks, regardless of the "intellectual" arguments, unless they believed that their fut...
by Browser
Sun Sep 16, 2012 10:53 am
Forum: Investing - Theory, News & General
Topic: Ray Lucia charged by SEC - "Buckets of Money" Sep 5, 2012
Replies: 136
Views: 15494

Re: Ray Lucia charged by SEC - "Buckets of Money" Sep 5, 201

Since terminal value of geometric returns show greater dispersion with time, then the magnitude of possible loss in the riskiest bucket (stocks) would grow larger and larger over time. As we know, that's the flaw in the "stocks for the long run" argument. Explain to me then how in the world it makes...
by Browser
Sun Sep 16, 2012 10:01 am
Forum: Investing - Theory, News & General
Topic: What is the difference between federal debt and deficit?
Replies: 11
Views: 1140

What is the difference between federal debt and deficit?

I'm confused. I see that the federal debt clock is at about $16 trillion, but that the federal deficit is said to be about $1.1 trillion. What is the difference between the debt and the deficit for those of us who are bamfoozled by all this stuff?
by Browser
Sun Sep 16, 2012 9:47 am
Forum: Personal Consumer Issues
Topic: Brain Teaser
Replies: 31
Views: 1901

Brain Teaser

Two bullets are placed into adjacent chambers of a 6-shot revolver. I spin the chamber, put the gun to my head and pull the trigger - it does not fire. I hand the revolver to you to continue the game of Russian Roulette. Assuming you want to live, should you (1) put the gun to your head and pull the...
by Browser
Sun Sep 16, 2012 8:44 am
Forum: Personal Consumer Issues
Topic: 5K or 3K oil change?
Replies: 91
Views: 14949

Re: 5K or 3K oil change?

Honda dealer where I bought my 2002 CRV always followed 3K schedule, Honda dealer in Phoenix during my winter stays followed 5K schedule. Last oil change at the original Honda dealer put in synthetic (not telling me in advance) and now recommends a 5K schedule because it will "last longer." So the d...
by Browser
Sat Sep 15, 2012 8:45 am
Forum: Investing - Theory, News & General
Topic: Why Rates Went Up?
Replies: 16
Views: 2324

Re: Why Rates Went Up?

Nominal rates really spiked up, while TIPS rates have been going down noticeably. What does that tell you? Well, the spread between nominal and TIPS rates has increased indicating that expected inflation has increased, right?
by Browser
Thu Sep 13, 2012 7:58 am
Forum: Investing - Theory, News & General
Topic: Ray Lucia charged by SEC - "Buckets of Money" Sep 5, 2012
Replies: 136
Views: 15494

Re: Ray Lucia charged by SEC - "Buckets of Money" Sep 5, 201

At least it's reassuring to learn that the SEC is in hot pursuit of Ray Lucia, even if they were unable to notice the largest Ponzi scheme in the history of mankind. :oops:
by Browser
Wed Sep 12, 2012 2:03 pm
Forum: Investing - Theory, News & General
Topic: Ray Lucia charged by SEC - "Buckets of Money" Sep 5, 2012
Replies: 136
Views: 15494

Re: Ray Lucia charged by SEC - "Buckets of Money" Sep 5, 201

No. The SEC was responsible for investigating Madoff: Christopher Cox, the former chairman of the SEC, has recognized the organization's own multiple failures in relation to the Bernard Madoff fraud.[23] Starting with an investigation in 1992 into a Madoff feeder fund which only invested with Madoff...
by Browser
Wed Sep 12, 2012 1:21 pm
Forum: Investing - Theory, News & General
Topic: Ray Lucia charged by SEC - "Buckets of Money" Sep 5, 2012
Replies: 136
Views: 15494

Re: Ray Lucia charged by SEC - "Buckets of Money" Sep 5, 201

The surprise isn't that the Buckets approach is complete hooey - a 10-year old would be able to see that (although apparently not a large number of presumably knowledgeable "investors"). The surprise is that the SEC is involved. Were't these the same guys who completely missed the Madoff Ponzi schem...
by Browser
Thu Sep 06, 2012 9:32 am
Forum: Investing - Theory, News & General
Topic: Bernstein article on CNN
Replies: 64
Views: 6908

Re: Bernstein article on CNN

When using the "safety first" approach of matching one's spending liabilities with low-risk investments, it's critical to consider the risk of possible inflation - particularly at this time of very low inflation and interest rates. Inflation is most damaging to lenders and savers; e.g., those who ow...
by Browser
Wed Sep 05, 2012 8:30 pm
Forum: Investing - Theory, News & General
Topic: Immediate Annuities Aren’t for Everyone
Replies: 66
Views: 8171

Re: Immediate Annuities Aren’t for Everyone

And yet another consideration in evaluating annuities: In a recent encounter with a former student, Lewis Mandell, a professor of finance and managerial economics at the University of Washington, was asked: “What do you know about annuities? I’m thinking about buying an annuity.” “I was really embar...