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Re: WSJ: Firing One's Advisor

InvestorNewb wrote:I can't read the article without an account. Any alternate links? :?:


Do a Google search for the title:

How to Fire Your Financial Advisor

For me, today's article turned up as the very first hit. Google's link bypasses the paywall.
by 22twain
Fri Aug 29, 2014 4:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: WSJ: Firing One's Advisor
Replies: 18
Views: 1997

Re: If you had an extra $100,000

I'm scheduled to retire completely in a couple of years, after a "semi-downsizing" a few years ago. If $100K dropped in my lap this morning, by noon my employer would receive an e-mail saying, "I'm done!"
by 22twain
Thu Aug 28, 2014 6:59 am
 
Forum: Personal Finance (Not Investing)
Topic: If you had an extra $100,000
Replies: 56
Views: 4821

Re: What's "The Herd" doing today?

I think right now the Thundering Herd is saying, "Beat Miami (Ohio)!"
by 22twain
Thu Aug 28, 2014 6:54 am
 
Forum: Investing - Theory, News & General
Topic: What's "The Herd" doing today?
Replies: 52
Views: 3418

Re: No car for 10 years - should I scratch the itch?

Cost-wise I think it would be more expensive than renting unless I go on trips more often than I have been. If e.g. the car depreciates at 3k/year over the first 5 years, it's costing me more than the 2k or so I pay now for rentals. What about insurance? Personal property tax (if applicable in your...
by 22twain
Thu Aug 28, 2014 6:47 am
 
Forum: Personal Consumer Issues
Topic: No car for 10 years - should I scratch the itch?
Replies: 28
Views: 2058

Re: What are you up YTD?

50% stocks
50% bonds, stable value and cash

Up about 5.2% so far this year, after correcting for contributions to tax-deferred accounts and withdrawals from taxable accounts.
by 22twain
Wed Aug 27, 2014 11:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 94
Views: 6288

Re: S&P500 over 2000

Adjusting the January 2000 peak (at the end of the tech bubble) for inflation, I get about 1530 * (238/168) = 2167, give or take maybe ten points. (I eyeballed the 2000 value off a graph.) Allowing for some additional inflation, if we hit 2222 sometime next year, that might be a good point to celebr...
by 22twain
Mon Aug 25, 2014 9:56 pm
 
Forum: Investing - Theory, News & General
Topic: S&P500 over 2000
Replies: 68
Views: 5329

Re: How Many Finance Gurus Does It Take To Change A Lightbu

You need to live below your light bulbs. Otherwise you might stub your foot or fall down the stairs.
by 22twain
Sun Aug 24, 2014 6:02 pm
 
Forum: Investing - Theory, News & General
Topic: How Many Finance Gurus Does It Take To Change A Lightbulb?
Replies: 2
Views: 736

Re: I need "Ultra High Net Worth" investing advice please

Welcome to Bogleheads! I don't have any experience with that amount of money, myself. However, I do know that there is a wiki page here about how to manage a windfall, in general: http://www.bogleheads.org/wiki/Managing_a_windfall I think that if you want more specific advice, you need to give some ...
by 22twain
Sat Aug 23, 2014 3:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need "Ultra High Net Worth" investing advice please
Replies: 215
Views: 15336

Re: Investing for inlaws

Are they planning on selling the business when he retires, and using that as their nest egg?
by 22twain
Thu Aug 21, 2014 12:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing for inlaws
Replies: 23
Views: 1017

Re: B&H Photo - NY City Experience

There are many many camera and electronics dealers in New York that advertise in the back pages of photography magazines etc. and do business via the Web. Many of them have, uh, "interesting" physical locations which are documented on these pages: http://donwiss.com/pictures/BrooklynStores...
by 22twain
Tue Aug 19, 2014 6:27 pm
 
Forum: Personal Consumer Issues
Topic: B&H Photo - NY City Experience
Replies: 35
Views: 2344

Re: Mississippi wins!

I could save 2% by moving from my southeastern state back to my home state of Ohio! But is that enough to repay me for having to shovel snow every winter?
by 22twain
Tue Aug 19, 2014 2:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mississippi wins!
Replies: 14
Views: 1852

Re: Girls gymnastics: what to expect

And most gymnasts who are recruited to Division 1 schools are verbally declared to a specific school by 9th or 10th grade. I know several Div 1 schools who have the incoming gymnastics rostered filled though 2018. If that boggles your mind, you are not alone. ;) Interesting! I recently read an arti...
by 22twain
Mon Aug 18, 2014 11:54 am
 
Forum: Personal Consumer Issues
Topic: Girls gymnastics: what to expect
Replies: 28
Views: 2350

Re: Your biggest "Missed Money" event that still kills you?

I received an inheritance in late 2008, right when the market was starting to plunge. I put it all in CDs for safety.

My mistake was waiting two years to put it in the market, instead of doing it when the first round of CDs matured in spring/summer 2009. :annoyed
by 22twain
Mon Aug 18, 2014 11:43 am
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 7967

Re: College Counselors

You probably know that the acceptance rates at Ivies and similar quality schools have gotten MUCH worse in recent years. Hernandez has some stats on her site: http://www.hernandezcollegeconsulting.com/. There's also a blog there with interesting stuff... From the blog: Across all Ivy League univers...
by 22twain
Sun Aug 17, 2014 10:27 am
 
Forum: Personal Consumer Issues
Topic: College Counselors
Replies: 39
Views: 1958

Re: College Counselors

TODAY, IMO, the competition is higher, the selection process tougher, and the outcomes more lucrative no matter where and what the student does. The selection and application process is like hiring a Financial Advisor vs DIY. Then, you could do it by yourself. Today, I am not so sure. I suspect tha...
by 22twain
Sun Aug 17, 2014 10:06 am
 
Forum: Personal Consumer Issues
Topic: College Counselors
Replies: 39
Views: 1958

Re: Poll: Cash Reserve for Investments

If stocks drop enough to trigger re-balancing, I exchange part of my bond funds for stock funds. No need to keep cash on hand for that.

The only cash I keep on hand is my anticipated expenses for the next few months.
by 22twain
Sun Aug 17, 2014 9:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Poll: Cash Reserve for Investments
Replies: 11
Views: 784

Re: Riding the Rails--my Amtrak trip

Jazztonight wrote:As a result of freight cars and waiting for delayed trains with people who needed to get on to the Lake Shore Ltd., my train arrived in Chicago almost 8 hours late.


Now you know why that train's nickname among railfans is the "Late Shore Limited." :happy
by 22twain
Thu Aug 07, 2014 12:45 am
 
Forum: Personal Consumer Issues
Topic: Riding the Rails--my Amtrak trip
Replies: 78
Views: 9175

Re: Salzburg or Graz?

Definitely do Salzburg - Zürich in the daytime if you can manage it. I did it in the opposite direction many years ago, actually from Lindau (Germany) to Salzburg with a few nights in Innsbruck in the middle.
by 22twain
Tue Aug 05, 2014 4:21 pm
 
Forum: Personal Consumer Issues
Topic: Salzburg or Graz?
Replies: 18
Views: 1176

Re: Noob to the board looking for words of wisdom re investi

3. I'm considering switching from T Rowe Price to Vanguard for the IRAs. Thoughts? I think the ERs are about .7 or .8% vs .2%, respectively. Even if you stay at T. Rowe Price you can do better than you are now. Their 3-fund portfolio equivalent is Total Equity Market Index (POMIX) - 0.35% Int'l Equ...
by 22twain
Sat Aug 02, 2014 12:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Noob to the board looking for words of wisdom re investing
Replies: 7
Views: 858

Re: Best way to earn a pension

Barefootgirl wrote:Dept of Veterans Affairs is always looking for medical personnel


And they're going to be looking for even more personnel pretty soon, in the wake of the waiting-list scandal.
by 22twain
Fri Aug 01, 2014 3:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best way to earn a pension
Replies: 38
Views: 4657

Re: Two days in Little Rock, AR - What to do and see?

If you go to the HSNP and expect to see a national park, sorry it isn't. It is a nice city park with bath houses and don't expect to see any hot springs in the open because all the thermal energy is channeled to various bath houses. Actually, there is one spot in the park, at the north end of Bathh...
by 22twain
Thu Jul 31, 2014 3:40 pm
 
Forum: Personal Consumer Issues
Topic: Two days in Little Rock, AR - What to do and see?
Replies: 29
Views: 1494

Re: Florida Retirement Communities advice/thoughts

Another reason I will probably not live in Florida is that I love lakes and boats, but I'm not a big fan of alligators :) I bet you're not crazy about Burmese pythons, either. At the rate they're breeding, they may eventually evict even the alligators! :shock: http://www.cnn.com/2014/02/06/us/flori...
by 22twain
Tue Jul 29, 2014 11:17 pm
 
Forum: Personal Consumer Issues
Topic: Florida Retirement Communities advice/thoughts
Replies: 24
Views: 2950

Re: Riding the Rails--my Amtrak trip

Tomorrow I'll hop on the Metro to DC Union Station. I'll then take a commuter train to Penn Station Just to nit-pick a bit, a lot of people do use Amtrak on the Northeast Corridor to commute from one city to another, but "commuter train" normally refers to one operated by a regional agenc...
by 22twain
Sun Jul 27, 2014 5:42 pm
 
Forum: Personal Consumer Issues
Topic: Riding the Rails--my Amtrak trip
Replies: 78
Views: 9175

Re: Int'l Train Travel

Note in Norway the spectacular mountains are on the coast, but the roads and railways run up the Swedish side. There are some mountain railways though from Oslo. One Norwegian route runs as far north as Bodø, north of the Arctic Circle, two full days' (daytime) worth of riding from Oslo. Another ro...
by 22twain
Sat Jul 26, 2014 11:40 pm
 
Forum: Personal Consumer Issues
Topic: Int'l Train Travel
Replies: 28
Views: 1595

Re: Advice wanted on first computer purchase since 1982!

ResearchMed wrote:Do you know where to get a FORTRAN compiler these days!??


Fortran 95 (gfortran) or Fortran 77 (g77) for Mac OS:
http://hpc.sourceforge.net/

(Or PL/1?)


Sorry, can't help you with that...
by 22twain
Thu Jul 24, 2014 5:52 pm
 
Forum: Personal Consumer Issues
Topic: Advice wanted on first computer purchase since 1982!
Replies: 105
Views: 6699

Re: Riding the Rails--my Amtrak trip

Assuming you're going to continue eastward on the Cardinal , maybe you'll get lucky and there will be a similar delay at Cincy. Then you wouldn't have to get to the station at 3AM, and you'd see the stretch along the Ohio River to Huntington WV in daylight. I hear the trip across WV is one of the mo...
by 22twain
Wed Jul 23, 2014 6:06 pm
 
Forum: Personal Consumer Issues
Topic: Riding the Rails--my Amtrak trip
Replies: 78
Views: 9175

Re: Anyone been to Charleston, SC?

If you're interested in marine archaeology, technological history, and/or the Civil War, check out the H. L. Hunley, the Confederate submarine that was recovered from Charleston Harbor in 2000 and is now being conserved and studied. Tours are available on Saturdays only.

http://www.hunley.org/
by 22twain
Wed Jul 23, 2014 11:21 am
 
Forum: Personal Consumer Issues
Topic: Anyone been to Charleston, SC?
Replies: 27
Views: 1518

Re: 35K maximum retirement contribution a year for a person?

Sidney wrote:
denovo wrote:You have no living expenses???????????

Taxable accounts maybe. I put away 90% of my pre-tax during my part-time years prior to full retirement.


Same here. Most of my paycheck last year went into my 403(b) and the rest ended up in my Roth IRA. My living expenses came out of my taxable accounts.
by 22twain
Tue Jul 22, 2014 7:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: 35K maximum retirement contribution a year for a person?
Replies: 16
Views: 1487

Re: years of investing and balances

<snip> your savings grow (over and above your contributions) at an average of 2% annually above inflation, you will end up with nearly $5.5M in today's dollars. <snip> A 2% growth rate is very conservative, by the way. You almost can get that now, just from dividends from a total bond index fund. &...
by 22twain
Sun Jul 20, 2014 10:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: years of investing and balances
Replies: 23
Views: 1960

Re: years of investing and balances

Say for example my gross income is 400 K and our current monthly expense is about 10K including mortgage. [...] So If I retire by say 65 ( 26-27 years from now) and want to have at least the same life style if not better, whats my goal retirement savings. I have set my savings goal as 37% of gross ...
by 22twain
Sun Jul 20, 2014 10:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: years of investing and balances
Replies: 23
Views: 1960

Re: Hearing Aids

The only concern I have with having hearing aids, other than vanity on my part, is the Portland rainy weather possibly damaging the hearing aids. A hat or umbrella will take care of the rain. Down here in the southeast, hot muggy weather in the summer is the big problem. When I'm out walking in the...
by 22twain
Sun Jul 20, 2014 9:45 pm
 
Forum: Personal Consumer Issues
Topic: Hearing Aids
Replies: 82
Views: 6316

Re: Need an interpreter for SS instruction

racy wrote:b). Multiply the amount in Step 4 over $816 and less than or equal to $4,917 by 32%. $_________


Another way to phrase it:

b). Multiply the portion of the amount in Step 4 that lies between $816 and $4917, by 32%. $________
by 22twain
Sun Jul 20, 2014 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need an interpreter for SS instruction
Replies: 4
Views: 664

Re: 2 days in San Francisco

meowcat wrote:Ride a cable car.


And if you've already done that, have you seen the Cable Car Museum? Among other things, you can watch the cables that make those cars go.

http://www.cablecarmuseum.org/
by 22twain
Fri Jul 18, 2014 9:21 pm
 
Forum: Personal Consumer Issues
Topic: 2 days in San Francisco
Replies: 25
Views: 1719

Re: Professor looking for investment advice

Does your Valic plan have a stable-value fund? If it does, you can use it for at least part of your "bond" allocation. That's what I do with the TIAA Traditional account in my TIAA-CREF 403(b) plan. How much you use it will depend on the return it gives you and on how easy it is to transfe...
by 22twain
Fri Jul 18, 2014 5:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Professor looking for investment advice
Replies: 16
Views: 1659

Re: If you own a car, do you have a car payment?

I've never taken out a loan to buy a car, and I'm pretty sure my wife never has, either. My first car was a hand-me-down from my parents near the end of graduate school; before that I didn't need a car. My wife had a couple of different cheap used cars before we got married. By the time we needed to...
by 22twain
Fri Jul 18, 2014 11:33 am
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 112
Views: 7407

Re: Gold, Silver, Copper

nisiprius wrote:Image
Chart source


Wow, that chart gives a whole new meaning to the term "lead balloon." :shock:
by 22twain
Sat Jul 12, 2014 7:23 am
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 113
Views: 6989

Re: Driving from outside Philly to Florida, with 3 children.

No need to go as far west as I-81. For example, if southbound, take I-70 west from Baltimore to Rt 15 south at Frederick, MD. Continue into Virginia past Leesburg and Warrenton to pick up Rt 17 south, and continue to join I-95 south again at Fredericksburg. This will bypass the worst of the DC traf...
by 22twain
Fri Jul 11, 2014 12:01 am
 
Forum: Personal Consumer Issues
Topic: Driving from outside Philly to Florida, with 3 children...
Replies: 22
Views: 1825

Re: When you retire you plan to?

We live in a low cost of living area (small town in the southeast), in a house which is about the right size for us. Most of our friends are colleagues (or former colleagues) from work who live in this general area, and we have no kids to move closer to. So we'll probably stay where we are, unless w...
by 22twain
Mon Jul 07, 2014 6:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: When you retire you plan to?
Replies: 44
Views: 3412

Re: POLL: How Old is Your Newest Motor Vehicle?

Less than one year. However, this is an unusual (for us) situation. A year ago last April, my car (which was 13 years old at the time) was totaled in an accident. While we were shopping for a replacement, my wife decided that she really ought to replace her 22-year-old car, which she did a few month...
by 22twain
Mon Jul 07, 2014 6:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How Old is Your Newest Motor Vehicle?
Replies: 37
Views: 2445

Re: AA: Jump in or glide in with Inheritance Cash?

[quoteChanges to your asset allocation should be made slowly. [...snip...] Let's hope I put the above in quotes correctly. I apologize if it didn't work. You omitted the closing bracket after the initial "quote" tag (right before the word "Changes"). You can edit your post to ad...
by 22twain
Sat Jul 05, 2014 5:36 am
 
Forum: Investing - Help with Personal Investments
Topic: AA: Jump in or glide in with Inheritance Cash?
Replies: 23
Views: 2054

Re: Am I on the right track at age 34?

retiredjg wrote:You are only saving about 5% of your income.


Per his first post, his salary is 100K per year, so it's actually 24% including the employer contribution.
by 22twain
Fri Jul 04, 2014 2:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I on the right track at age 34?
Replies: 19
Views: 2351

Re: stamp collection

Many different kinds is full sheets.. Assuming these are US stamps, a large accumulation of full sheets as sold at the post office, dating from about the 1930s onwards, is unlikely to be worth more than face value, and probably less. I think most of the exceptions are denominations above the then-c...
by 22twain
Tue Jul 01, 2014 9:18 pm
 
Forum: Personal Consumer Issues
Topic: stamp collection
Replies: 19
Views: 1185

Re: Best use of inheritance for retirement saving?

bowlingblogger wrote:I'll max out the SRA (I think I can put in 17,500, unless the money my employer contributes to the 401K counts)


The employer contribution does not count towards the $17.5K limit. That limit applies only to your contributions ("elective deferrals" from your salary).
by 22twain
Mon Jun 30, 2014 3:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Best use of inheritance for retirement saving?
Replies: 18
Views: 2383

Re: N+ Routers

You can do a lot of cabling for the cost of an AC router. Provided your spouse doesn't object to ethernet cables snaking along the baseboards. :wink: As BigTom suggested, I use powerline ethernet adapters: one at my DSL modem and main computer which are at one end of the house, and another at the e...
by 22twain
Sun Jun 29, 2014 7:55 am
 
Forum: Personal Consumer Issues
Topic: N+ Routers
Replies: 27
Views: 1723

Re: Safe draw down %?

Yes, the IRS doesn't care whether you spend your RMD. They only want you to pay taxes on it :wink:
by 22twain
Sat Jun 28, 2014 10:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Safe draw down %?
Replies: 21
Views: 2107

Re: Safe draw down %?

You can find this out for yourself with http://www.firecalc.com which uses historical data going back to 1871. On the start page ("Start Here" tab), enter a starting portfolio value of $1000000 (to make the arithmetic simpler), a trial annual spending value (which will be inflation adjuste...
by 22twain
Sat Jun 28, 2014 4:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Safe draw down %?
Replies: 21
Views: 2107

Re: Best Road Trip Vehicle

If you are not planning to camp, then you only need a vehicle that will be big enough to carry yourself and your clothes. If your current vehicle is comfortable (to you) and reliable, you should be able to use it for a road trip. My wife and I have always had a car in the size class of a Toyota Cor...
by 22twain
Thu Jun 26, 2014 10:35 am
 
Forum: Personal Consumer Issues
Topic: Best Road Trip Vehicle
Replies: 35
Views: 2797

Re: Best Road Trip Vehicle

What kind of car/vehicle(s) are you driving now? Are you planning to camp or stay in motels/hotels?
by 22twain
Thu Jun 26, 2014 2:18 am
 
Forum: Personal Consumer Issues
Topic: Best Road Trip Vehicle
Replies: 35
Views: 2797

Re: Timing new portfolio

Welcome to the Bogleheads forum! You're new here, so you probably haven't yet observed that this is a very commonly asked question. There's a discussion of the issues in the Bogleheads wiki:

Dollar cost averaging versus lump sum
by 22twain
Thu Jun 26, 2014 1:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Timing new portfolio
Replies: 7
Views: 493

Re: Investment Withdrawals - Behavioral Aspect

For me, it helped that I didn't have to make a sudden transition between "accumulating" and "decumulating." A few years ago, as a result of downsizing by my employer, my old position was eliminated and I moved into a different one at a much-reduced salary, which would continue un...
by 22twain
Wed Jun 25, 2014 12:10 am
 
Forum: Investing - Theory, News & General
Topic: Investment Withdrawals - Behavioral Aspect
Replies: 14
Views: 976
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