Search found 667 matches

by 22twain
Sat Jul 25, 2015 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: What should I put in my Roth IRA if TDF's are "bad?"
Replies: 24
Views: 910

Re: What should I put in my Roth IRA if TDF's are "bad?"

zayd13 wrote:Will I incur any tax penalties or other disadvantages by completely selling off VGSTX and putting that into VFVVX?


Inside an IRA or other tax-deferred account such as a 401(k) or 403(b), there are no taxes involved when you sell one fund and re-invest the proceeds in another one.
by 22twain
Sun Jul 12, 2015 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement within 1 year
Replies: 33
Views: 4599

Re: Retirement within 1 year

Will your wife continue to work for the time being, and if so, how long?

What are your actual total expenses? Hopefully you're not spending all of that $69K.
by 22twain
Sun Jul 12, 2015 7:41 am
Forum: Personal Consumer Issues
Topic: Colorado Vacation suggestions
Replies: 53
Views: 4776

Re: Colorado Vacation suggestions

We toured Bailey Yard in North Platte...well worth the $7 admission for train nerds or transportation interested people. We drove through North Platte several years ago, on our way back from Colorado, but didn't stop because I wasn't fully aware of its significance then, even though I'm a railfan m...
by 22twain
Sun Jul 12, 2015 7:00 am
Forum: Investing - Theory, News & General
Topic: scared of the future
Replies: 15
Views: 2344

Re: scared of the future

but then I look at the S&P500: http://i.imgur.com/kJY2E3a.png It makes me extremely nervous Those dips look scary, but their effect is reduced if (a) you continue contributing steadily to your portfolio instead of plunking in a bunch of money at the beginning and leaving it alone, (b) you re-in...
by 22twain
Sat Jul 11, 2015 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about pension
Replies: 3
Views: 314

Re: Questions about pension

1. Maybe a stupid question, but is the pension earning interest? They have a calculator on there to estimate payout. For example if I left the company today, I would get about $600 a month when I am 65. If I work at my company until I am 65 I get something like $3600/month. What I am not sure is if...
by 22twain
Mon Jul 06, 2015 5:23 pm
Forum: Personal Consumer Issues
Topic: How to start a blog and claim the name?
Replies: 27
Views: 1295

Re: How to start a blog and claim the name?

Wordpress.org is a free blogging platform which you can upload to your own webspace and control every aspect of your blog from there. Many web-hosting providers have an option to install the WordPress software quickly in your account. The cPanel (control panel) for my namecheap.com account has a se...
by 22twain
Mon Jul 06, 2015 10:18 am
Forum: Personal Consumer Issues
Topic: How to start a blog and claim the name?
Replies: 27
Views: 1295

Re: How to start a blog and claim the name?

Definitely register your domain name first. It looks like you can register a domain through wordpress.com, but they charge $18 per year which is more expensive than through other registrars. For example, my .net domain costs about $12 per year through namecheap.com. A .com would have been a bit less...
by 22twain
Sun Jul 05, 2015 5:49 pm
Forum: Investing - Theory, News & General
Topic: Something I Still Don't Understand
Replies: 12
Views: 1781

Re: Something I Still Don't Understand

So, after having chosen an appropriate stock/bond allocation, why is there so much discussion about different types of funds? Isn't this all just speculation, I think it's because many of the people on this forum are (or were) high earners who were successful in competitive careers. They're used to...
by 22twain
Sat Jul 04, 2015 4:29 pm
Forum: Personal Consumer Issues
Topic: Eating Out
Replies: 57
Views: 6841

Re: Eating Out

closetoreality wrote:(finance and I)


Freudian slip? :P
by 22twain
Tue Jun 30, 2015 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Drawing from Retirement Savings to Delay SS
Replies: 43
Views: 4397

Re: Drawing from Retirement Savings to Delay SS

(oops, accidentally duplicated my previous post when I meant to edit it)
by 22twain
Tue Jun 30, 2015 12:04 am
Forum: Personal Consumer Issues
Topic: Can you simply change the music file structure in iTunes?
Replies: 13
Views: 1599

Re: Can you simply change the music file structure in iTunes?

My biggest gripe with Itunes is that I can't rename the fields, so I have to use the default names for my own purposes. Terrible for classical music. Same for me (another classical music fan). I normally use the "Artist" field for the composer, the "Album" field for the composit...
by 22twain
Mon Jun 29, 2015 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: What's your net worth break down? What's ideal?
Replies: 44
Views: 6801

Re: What's your net worth break down? What's ideal?

me: early 60s spouse: mid 60s Both still working, but on a downslope towards full retirement which will probably be complete in two years. House is paid off. No debt except small CC balances which are always paid off each month. 50% Tax-deferred retirement plans (403b) 20% Taxable stocks and mutual ...
by 22twain
Mon Jun 29, 2015 1:38 am
Forum: Personal Finance (Not Investing)
Topic: Drawing from Retirement Savings to Delay SS
Replies: 43
Views: 4397

Re: Drawing from Retirement Savings to Delay SS

1. How much of your retirement savings in percentages do you plan on depleting in order to fund your delay? Based on current spending, I estimate we will need to withdraw about 6% of our current savings over the next 8 years, possibly up to about 8% or 9% if our expenses increase a lot. This is in ...
by 22twain
Sun Jun 28, 2015 8:11 am
Forum: Investing - Help with Personal Investments
Topic: are these legit Vanguard reviews?
Replies: 38
Views: 4928

Re: are these legit Vanguard reviews?

No, I think George's contribution was to warn against buying false teeth sight unseen over the Internet.
by 22twain
Sat Jun 27, 2015 11:41 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to get started and have been procrastinating
Replies: 29
Views: 3653

Re: Trying to get started and have been procrastinating

I contribute 6% to my employee retirement and so does she. Should we be combining the percentage and get our total of investments for retirement up to 10-15% or should we both be trying to get there? The proper percentage to use is (your contributions in dollars + her contributions in dollars) / (y...
by 22twain
Sat Jun 27, 2015 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: No gain in 9 months of investment
Replies: 23
Views: 4734

Re: No gain in 9 months of investment

just started with the 3 best vanguard funds as: 40% in total stock, 50 % in total bond market and 10 % in total international stock. It has been over 9 month so far, but my asset is usually negative by 2+ % . Exactly when did you start, and are you reinvesting dividends? Using the Morningstar growt...
by 22twain
Thu Jun 25, 2015 12:30 am
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 27793

Re: What ratio are you stocks/bonds and how old are you?

Age 61.5

Stocks 50%
Bond funds & cash 50%

I'm actually targeting age-10 in bonds, so I'm a bit overweight in stocks right now. I'll probably correct this during the next month.
by 22twain
Wed Jun 24, 2015 12:10 am
Forum: Personal Finance (Not Investing)
Topic: Social Security and Early Retirement?
Replies: 26
Views: 4098

Re: Social Security and Early Retirement?

However, bend points change every year. If you are in your fifties, the bend points when you reach retirement age will probably be much higher than they are now. The bend points are indexed using the Average Wage Index (AWI), in the same way that your earnings are indexed. If the AWI increases by s...
by 22twain
Mon Jun 08, 2015 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Putting off Social Security until 70
Replies: 89
Views: 8013

Re: Putting off Social Security until 70

The government has been continually raising the Soc. Sec. payroll tax The payroll tax has not been raised since 1990, when it was set at 6.2% for both employee and employer. http://www.ssa.gov/oact/progdata/taxRates.html Thank you. What I meant to say was the amount of one's wages that is subject t...
by 22twain
Mon Jun 08, 2015 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Putting off Social Security until 70
Replies: 89
Views: 8013

Re: Putting off Social Security until 70

The government has been continually raising the Soc. Sec. payroll tax The payroll tax has not been raised since 1990, when it was set at 6.2% for both employee and employer. The employee payroll tax was reduced to 4.2% for two years after the 2008 crash, as an economic stimulus measure. http://www....
by 22twain
Sun Jun 07, 2015 11:01 am
Forum: Investing - Help with Personal Investments
Topic: How to invest $60k in tax advantaged accounts?
Replies: 6
Views: 1049

Re: How to invest $60k in tax advantaged accounts?

If you're comfortable with your money effectively going into your husband's accounts, and if he's not already contributing the maximum to his 401k, he can raise his contributions to the maximum and you can make up for his reduced take-home pay by spending money from your $60K.
by 22twain
Fri Jun 05, 2015 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting help with my TIAA CREF allocation
Replies: 9
Views: 1067

Re: Requesting help with my TIAA CREF allocation

Should I begin contributing to my annuity again? Will you (and/or your spouse, if applicable) receive Social Security? I suggest that you get estimates of what your monthly SS benefit will be (from calculators on the SS web site) and what your TIAA Traditional payouts will be (from your TIAA-CREF r...
by 22twain
Sun May 24, 2015 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner investing
Replies: 21
Views: 1840

Re: Beginner investing

And even if I invest 20K$ it wont make enough for a living. Just to make something clear: in this forum, the emphasis is on investing for retirement (when you stop working), not on generating income for current living expenses while you're young. If you start with $20K, add 15% of your income from ...
by 22twain
Sat May 23, 2015 9:49 pm
Forum: Personal Consumer Issues
Topic: Day trips from Berlin?
Replies: 32
Views: 2311

Re: Day trips from Berlin?

[Berliners seem to be more upfront about the Nazis than I have seen in more westernmost cities in Germany. There are small memorials everywhere, things like plaques noting past uses of sites and buildings. Have you seen any of the Stolpersteine , little memorial plaques in the sidewalks that mark w...
by 22twain
Thu May 21, 2015 9:30 am
Forum: Personal Consumer Issues
Topic: Parks to visit between TX and PA?
Replies: 23
Views: 867

Re: Parks to visit between TX and PA?

Then down towards Asheville visiting some of the parks around there and then up the Blue Ridge Parkway Along the Parkway north of Asheville you can drive to the top of Mt. Mitchell (highest point in the eastern US!). Grandfather Mountain is a bit further along. Is there something equivalent to Gett...
by 22twain
Tue May 19, 2015 11:48 pm
Forum: Personal Consumer Issues
Topic: Looking for a DVR device for antenna TV (Simple.TV?)
Replies: 46
Views: 3935

Re: Looking for a DVR device for antenna TV (Simple.TV?)

I would recommend TIVO OTA device. About two weeks ago I saw they they were offering the Over-the-air DVR plus lifetime service for 300 bucks. I paid nearly double for my Roamio plus lifetime service a year ago and I don't regret it. I paid almost double that for the predecessor TiVo Premiere plus ...
by 22twain
Mon May 18, 2015 4:05 pm
Forum: Personal Consumer Issues
Topic: Burning files to CD/DVD from late 2008 Macbook
Replies: 9
Views: 779

Re: Burning files to CD/DVD from late 2008 Macbook

not sure exactly what "master the DVD and save the results as an ISO" means In iDVD 7.1.2 (the version that I have on my Mac), under the "File" menu, chose "Save as Disc Image". You get a file with the extension ".img" which you can burn to a DVD using Apple'...
by 22twain
Fri May 15, 2015 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 169
Views: 13283

Re: How much does social security factor into your retirement income?

I'm in my early 60s, and will retire within the next couple of years. I plan to wait till I'm 70 to start collecting SS. At that point, assuming the rules are the same as now, it will more than cover my current normal expenses, so I will not need to withdraw from my portfolio afterwards, unless my e...
by 22twain
Thu May 14, 2015 9:47 am
Forum: Personal Consumer Issues
Topic: Day trips from Berlin?
Replies: 32
Views: 2311

Re: Day trips from Berlin?

When my wife and I visited Potsdam on a day trip from Berlin about 20 years ago, we finished the day with a relaxing boat ride up the Havel from a dock near the Potsdam S-Bahn station, all the way up to Spandau, then the U-Bahn back to the center of Berlin. That particular trip doesn't seem to be av...
by 22twain
Wed May 13, 2015 1:38 pm
Forum: Investing - Theory, News & General
Topic: what is distributed when paying dividends
Replies: 5
Views: 535

Re: what is distributed when paying dividends

ketanco wrote:i mean if a companys value before paying dividend is $100, and it pays $10 worth of dividends, its new value is $90? but that $10 comes from earnings so how do they relate?


Earnings tend to increase the value of the stock, in between the dividend distributions.
by 22twain
Wed May 13, 2015 10:30 am
Forum: Personal Consumer Issues
Topic: Day trips from Berlin?
Replies: 32
Views: 2311

Re: Day trips from Berlin?

Leeraar wrote:Engineering geek here.


The German Museum of Technology (Deutsches Technikmuseum) looks interesting. It's on my list for my next visit to Berlin, whenever that is.
by 22twain
Tue May 12, 2015 8:53 am
Forum: Personal Consumer Issues
Topic: Having a website
Replies: 18
Views: 1958

Re: Having a website

If you use WordPress or some other content-management system (CMS), make sure to keep the software up to date and follow whatever standard recommendations for security. I regularly read about WordPress sites that have been hacked and used to post spam etc. My site uses only hand-coded HTML and PHP p...
by 22twain
Mon May 11, 2015 1:07 pm
Forum: Personal Consumer Issues
Topic: Having a website
Replies: 18
Views: 1958

Re: Having a website

One drawback with Google Sites is that if you move to another provider, you can't simply bundle up all the files and transfer them to their new home. You have to copy and paste the content from Google Sites (either by copying the displayed pages or copying information from the editing screens) and u...
by 22twain
Mon May 11, 2015 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Retirement in 2 years?
Replies: 16
Views: 2390

Re: Retirement in 2 years?

Using a 4% safe withdrawal rate I would need a portfolio of $876K in retirement. Keep in mind that the commonly discussed "4% SWR" rule of thumb assumes retirement at 65, with up to about 30 years of remaining lifespan; not retirement at 50, with up to about 45 years of remaining lifespan.
by 22twain
Thu May 07, 2015 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 141
Views: 17681

Re: What job to get to coast to Retirement at age 59 1/2?

Teaching at a local Junior College. Average national pay is low-$70k's for the technical side and low-$50k's for private for full time (12 units). Regular faculty positions are hard to get nowadays. Adjuncts are paid by the course, usually about $2500-$3000 each (one semester). Four courses per sem...
by 22twain
Fri May 01, 2015 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Calculators: Data input choices
Replies: 10
Views: 993

Re: Retirement Calculators: Data input choices

Questions: First, a question for you (and others who respond): How old are you (at least approximately)? This affects the reasonability of assumptions about Social Security, and how seriously you should take projections from e.g. Firecalc. It's one thing to try to project 30 years into the future i...
by 22twain
Thu Apr 30, 2015 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Finding the actuarial value of delaying SS benefits
Replies: 54
Views: 7747

Re: Finding the actuarial value of delaying SS benefits

AFAIK, the Social Security tables include all lives, including people living in hospices or with known, terminal illnesses. I'd guess that anyone interested in this question does not fall into those categories. So I'd guess the average mortality of people who ask the question is somewhat better tha...
by 22twain
Sat Apr 25, 2015 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Inflation's impact on retirement savings - confused
Replies: 19
Views: 1630

Re: Inflation's impact on retirement savings - confused

I'm contributing 10% to 401(k) with a 5% company match. That's great, for someone starting out. If you simply maintain that total 15% rate, you'll be far ahead of most people when you retire. Of course, Bogleheads aren't "most people." :wink: I wouldn't stress out about that rate now, but...
by 22twain
Thu Apr 23, 2015 12:12 am
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 188
Views: 12723

Re: How much do you pay in Property Taxes?

We paid about $925 in property tax last year, on a house that would probably sell for about $160K. 3br, 2ba, about 2000 sq. ft. Small rural town in the Southeast.
by 22twain
Thu Apr 23, 2015 12:06 am
Forum: Investing - Help with Personal Investments
Topic: Help Requested: How many ETFs & Index Funds is too much?
Replies: 32
Views: 2100

Re: Help Requested: How many ETFs & Index Funds is too much?

My reason for adding VHT/Healthcare and VIG/Dividend ETFs was to try to be more diversified, since VTI/Total Stock focuses on the entire market and not a specific sector. VTI already includes all the stocks in VHT and VIG, in proportion to their "weight" in the total market according to t...
by 22twain
Thu Apr 16, 2015 11:24 pm
Forum: Personal Consumer Issues
Topic: Another Florida Keys question
Replies: 17
Views: 2469

Re: Another Florida Keys question

If you decide not to rent a car, there are many transportation services to choose from. Here are just a few... http://www.keysshuttle.com/ http://reefrunaround.com/ http://floridakeystransport.com/ http://www.floridakeysexpressshuttle.com/ http://keywestdaytrip.com/ http://www.keystransportation.co...
by 22twain
Thu Apr 16, 2015 10:57 am
Forum: Investing - Theory, News & General
Topic: Can I incorporate stop loss into this investment philosophy?
Replies: 31
Views: 1896

Re: Can I incorporate stop loss into this investment philoso

airmale wrote:So companys never go bankrupt? Cool!


Companies go bankrupt but the total market doesn't. Unless it's something like the Russian stock exchange in 1917.

I'm not worried about Vanguard's Total Stock Market ETF or Total International Stock Market ETF going to zero.
by 22twain
Sat Apr 11, 2015 11:46 pm
Forum: Personal Consumer Issues
Topic: Road trip Pittsburgh to Milwaukee
Replies: 13
Views: 1446

Re: Road trip Pittsburgh to Milwaukee

How much time are you allowing for the drive from Pittsburgh to Milwaukee? For the Pittsburgh-Cleveland leg, you might consider some or all of this route: First, if you're a sucker for drives along rivers, like I am, drive along the north bank of the Ohio River to East Liverpool, Ohio. The big indus...
by 22twain
Mon Apr 06, 2015 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Buy more expensive house to improve financial situation?
Replies: 37
Views: 5245

Re: Buy more expensive house to improve financial situation?

miamivice wrote:I currently live in a $600,000 house


Are you in Florida, by any chance? If so, were you there during the last housing bust which began in the winter of '06-'07?
by 22twain
Mon Apr 06, 2015 12:16 pm
Forum: Personal Consumer Issues
Topic: The train from Oslo to Copenhagen? Copenhagen ideas?
Replies: 25
Views: 1883

Re: The train from Oslo to Copenhagen? Copenhagen ideas?

There seems to be only two trains per day between Halden, Norway and Goteborg, Sweden which doesn't seem right to me. Could Google be missing something??? The German Rail trip planner at http://bahn.de/ shows six departures tomorrow from Oslo S to Göteborg Central: four direct trains via Halden, an...
by 22twain
Mon Apr 06, 2015 12:21 am
Forum: Personal Consumer Issues
Topic: website hosting
Replies: 9
Views: 1234

Re: website hosting

I suggest that you at least have your domain name (veena9111.com or whatever) registered in your own name and that you make sure you have the password to access your account with the domain registrar online. Then if you have a problem with your web site developer (dies, goes out of business, or gets...
by 22twain
Sun Mar 29, 2015 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Recurring utility bills - How do you pay?
Replies: 43
Views: 3344

Re: Recurring utility bills - How do you pay?

Our utility bills (elec+water, gas, and phone+internet) are paid automatically each month by automatic debit from our joint checking account. We set them up nearly 27 years ago when we moved into this house, before online bill-pay existed. How were those internet speeds in 1988? :wink: At that time...
by 22twain
Sat Mar 28, 2015 1:17 am
Forum: Personal Finance (Not Investing)
Topic: Recurring utility bills - How do you pay?
Replies: 43
Views: 3344

Re: Recurring utility bills - How do you pay?

Our utility bills (elec+water, gas, and phone+internet) are paid automatically each month by automatic debit from our joint checking account. We set them up nearly 27 years ago when we moved into this house, before online bill-pay existed.
by 22twain
Mon Mar 23, 2015 10:55 pm
Forum: Personal Consumer Issues
Topic: How Do You Watch Television?
Replies: 81
Views: 7142

Re: How Do You Watch Television?

I am very impressed by the 16 percent who don't use cable, satellite, or streaming. I don't know how that can work. Do these folks spend a lot of time reading? My wife and I still both work, so we can't watch TV during the day. During supper and afterwards we usually watch a local and a national ne...

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