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Re: Roth conversion -estimated tax Q

If you live in a state with its own income tax, don't forget to send in an estimated tax payment for that, if necessary. I expect to realize a fairly large long-term capital gain by selling some mutual funds before the end of this year. I won't have to pay federal tax on it because I'll stay in the ...
by 22twain
Sun Dec 21, 2014 9:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth conversion -estimated tax Q
Replies: 10
Views: 996

Re: Stuck with TIAA-CREF-is there a Boglehead mix?

All you need for a decent Boglehead-ish portfolio inside a TIAA-CREF 403(b) that comprises most of your investment assets is CREF Stock Account (which is about 70% domestic and 30% international) CREF Bond Account and/or TIAA Traditional Account in suitable proportion according to your desired overa...
by 22twain
Fri Dec 19, 2014 11:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stuck with TIAA-CREF-is there a Boglehead mix?
Replies: 20
Views: 1486

Re: Vinyl (as in old records)

Turntables are still for sale, including some which allow you to transfer them to your computer as MP3s, which while convenient, are compressed files so you're only getting a percentage of all the sound from the track. The format of the files produced is determined by the software that you use to p...
by 22twain
Fri Dec 19, 2014 7:07 am
 
Forum: Personal Consumer Issues
Topic: Vinyl (as in old records)
Replies: 10
Views: 934

Re: VWINX declining, any ideas why?

dansmail26 wrote:I noticed the price declining since the beginning of the month, which is what perked my interest.


Most stock mutual funds, and major indexes like the Dow and the S&P, dropped significantly during the first half of this month. During the last two days, they rebounded.
by 22twain
Fri Dec 19, 2014 6:52 am
 
Forum: Investing - Help with Personal Investments
Topic: VWINX declining, any ideas why?
Replies: 42
Views: 3755

Re: U.S. stocks in freefall

Boing! I missed the bottom again, just as I was about to do my Roth contribution for this year. :oops:
by 22twain
Thu Dec 18, 2014 10:12 am
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1073
Views: 191338

Re: Are all computer printers now wireless?

tc101 wrote:Mine is a brother HL-L2340DW. It says in the specs on amazon that it has a USB port, but I don't see it, only an ethernet port.


What does the instruction manual say?
by 22twain
Mon Dec 15, 2014 12:02 am
 
Forum: Personal Consumer Issues
Topic: Are all computer printers now wireless?
Replies: 33
Views: 2038

Re: Outdoor HDTV Antenna and DVR Setup

I may consider setting up two TVs. If I split the feed, is that likely to create any sort of noticeable difference? If your signals are strong, you can probably split the cable once or twice without any problem. If you're near the borderline in signal strength, splitting may "push you over the...
by 22twain
Wed Dec 10, 2014 2:52 pm
 
Forum: Personal Consumer Issues
Topic: Outdoor HDTV Antenna and DVR Setup
Replies: 40
Views: 3311

Re: Retiring soon.

we have 62% cash, crazy I know but I did get part of it from the recent sale of a business. I don't want to pour all of it into stocks and bonds at once. Maybe put so much a month into something over a period of time. This is one of the things I would like other opinions. This is the classic "...
by 22twain
Wed Dec 10, 2014 1:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiring soon.
Replies: 10
Views: 2174

Re: Outdoor HDTV Antenna and DVR Setup

I'm hoping the signal is HD NBC, ABC, CBS, and FOX are almost certainly HD. They usually have one or more SD subchannels. For example, my local CBS station has HD on its main subchannel that carries national CBS programming and local news etc., and an SD subchannel that carries "Me TV" wh...
by 22twain
Wed Dec 10, 2014 1:08 am
 
Forum: Personal Consumer Issues
Topic: Outdoor HDTV Antenna and DVR Setup
Replies: 40
Views: 3311

Re: Outdoor HDTV Antenna and DVR Setup

How much space is need to record 1 hour of TV? Assuming the box simply saves the data stream directly off the air, without transcoding it to a different format, figure somewhere between 5 and 6 GB per hour for a high-definition channel. It varies between different channels, depending on the bit rat...
by 22twain
Mon Dec 08, 2014 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Outdoor HDTV Antenna and DVR Setup
Replies: 40
Views: 3311

Re: How Do You Buy Individual Stocks?

I am trying to find the best way to buy individual stock. Do you already have an account with a mutual-fund company like Vanguard, Fidelity, T. Rowe Price, etc.? In that case, the simplest way might be to open a brokerage account there as an add-on to your existing accounts. That's what I did at TR...
by 22twain
Thu Dec 04, 2014 9:22 am
 
Forum: Investing - Help with Personal Investments
Topic: How Do You Buy Individual Stocks?
Replies: 4
Views: 742

Re: Assistance with new TIAA-CREF options

I think the CREF Stock Account would be a decent substitute for your old combination of CREF Global Equities and CREF Equity Index. It's basically a broadly-based stock fund, about 30/70 international/domestic, that behaves pretty close to a straight index fund. You have the option of annuitizing so...
by 22twain
Wed Dec 03, 2014 10:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Assistance with new TIAA-CREF options
Replies: 9
Views: 907

Re: Stanley Kubrick's 2001 a space odyssey

The story was incomprehensible or non-existent, and the acting, as you say, wooden. Your description makes me think of the title of MAD magazine's spoof which appeared shortly afterward: "201 Minutes of a Space Idiocy". :twisted: Aha! Here it is. (I'm in the camp that loved the movie. I p...
by 22twain
Wed Dec 03, 2014 12:12 pm
 
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 64
Views: 3977

Re: A simple coffee maker

For many years I used Melitta #4 (or similar generic brand) cone filters in a plastic cone that sat on top of a carafe. I measured out the coffee into the filter, and poured hot water into it from a teakettle. When my mother moved from her apartment into an assisted-living facility about ten years a...
by 22twain
Sun Nov 30, 2014 11:42 pm
 
Forum: Personal Consumer Issues
Topic: A simple coffee maker
Replies: 38
Views: 3183

Re: new investor: stock market v real estate

EarlyStart wrote:how do you contribute $1k/month or $12k/year to an Ira?


A SIMPLE IRA (SIMPLE is an acronym, not a word!) is an employer-sponsored plan, unlike a traditional or Roth IRA, and has its own set of rules, including contribution limits.

http://en.wikipedia.org/wiki/SIMPLE_IRA
by 22twain
Sun Nov 30, 2014 9:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: new investor: stock market v real estate
Replies: 11
Views: 770

Re: 50,000 first time investor.

Do you have a retirement plan at work, a 401(k) or something similar, that you can contribute money to, taken out of your paycheck before paying taxes? You might consider increasing your contributions to that plan for a few years, while drawing some of your living expenses from your windfall. This w...
by 22twain
Sun Nov 30, 2014 5:39 am
 
Forum: Investing - Help with Personal Investments
Topic: $44,000 for 1st Time Investor
Replies: 21
Views: 2871

Re: Is there anything unhealthy about drinking tap water?

Persuading people to pay soda-pop prices for plain water (not even carbonated "sparkling" water like in Europe) was a masterpiece of marketing. When was it... about twenty years ago? It seems like all of a sudden, one day I noticed that most of the women on our college campus were carrying...
by 22twain
Wed Nov 26, 2014 2:18 pm
 
Forum: Personal Consumer Issues
Topic: Is there anything unhealthy about drinking tap water?
Replies: 17
Views: 1261

Re: advice for newbie...investment and savings..

I am looking for guidance so that I can learn more about investing and saving for the future. Here's a good place to start reading: http://www.bogleheads.org/wiki/Getting_started Follow the links and explore and study for a while, then follow the link that dbCooperAir gave you and tell us about you...
by 22twain
Thu Nov 20, 2014 10:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: advice for newbie...investment and savings..
Replies: 4
Views: 742

Re: Deciding When to Retire

Professor Emeritus wrote:It depends on the agreement you make and your field.


Also on whether you're at a research university or a garden-variety 4-year college or a community college. At the college where I work, emeritus status allows you to keep your college e-mail address, but that's about it.
by 22twain
Sun Nov 16, 2014 9:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Deciding When to Retire
Replies: 47
Views: 5531

Re: Deciding When to Retire

flyingaway wrote:My understanding is that a person with "Professor Emeritus" title does not get paid.


You don't get paid for being an emeritus professor, but I know some who continue to teach part-time as adjuncts, for $2K-$3K per course.
by 22twain
Sun Nov 16, 2014 2:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Deciding When to Retire
Replies: 47
Views: 5531

Re: Help! Need Liquid Cash!

lululu wrote:It is not the end of the world to carry a balance on a credit card for 2-3 months, as long as it does not become a habit.


Some cards (e.g. American Express) do require you to pay in full at the end of each month.
by 22twain
Fri Nov 14, 2014 9:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Help! Need Liquid Cash!
Replies: 29
Views: 2709

Re: Why is this simple for everyone else, retiree Roth quest

It makes a difference whether you get the money to pay the taxes on the conversion from (a) the traditional IRA or (b) from an ordinary taxable account outside the IRA. It turns out that if the tax bracket stays the same at conversion time and at final withdrawal time, case (a) is a wash, whereas in...
by 22twain
Thu Nov 13, 2014 6:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why is this simple for everyone else, retiree Roth question?
Replies: 13
Views: 1628

Re: Retirement-Order of sale of investments

If you expect to be in a higher tax bracket after Social Security and RMDs kick in, it's probably advantageous to withdraw now from tax-deferred accounts (IRAs, 401ks, etc.) up to the lower tax bracket's boundary, so as to save on taxes overall. If you don't need to spend that much money, roll over ...
by 22twain
Thu Nov 13, 2014 10:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement-Order of sale of investments
Replies: 11
Views: 1574

Re: Tax assessment of housing relative to income

Excluding investment income as in your car thread... right now it's about 3x. For our last "normal" working year a few years ago, it would have been about 1x.
by 22twain
Wed Nov 12, 2014 10:37 am
 
Forum: Personal Consumer Issues
Topic: Tax assessment of housing relative to income
Replies: 7
Views: 340

Re: Your car(s) are equal to how many months income

Assuming by "income" you mean things like salary, Social Security and pension, but not investment income: A few years ago, before we started a transition to full retirement and were driving two 10+ year old cars, I would have answered 1 month. In the meantime, our salaries have dropped and...
by 22twain
Wed Nov 12, 2014 9:07 am
 
Forum: Personal Consumer Issues
Topic: Your car(s) are equal to how many months income
Replies: 93
Views: 6261

Re: What if your investable assets rise significantly?

Only $50-$75K? I'd be disappointed. :(
by 22twain
Tue Nov 11, 2014 3:04 pm
 
Forum: Personal Consumer Issues
Topic: What if your investable assets rise significantly?
Replies: 19
Views: 2238

Re: Help for my friend... Age 55.

What are good T. Rowe Price funds to look at? Besides the TRP target retirement funds which have expense ratios around 0.75% IIRC, there are index funds that are about half the cost that can be used to build a three-fund portfolio like the one often recommended here that uses Vanguard funds: POMIX ...
by 22twain
Mon Nov 10, 2014 4:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help for my friend... Age 55.
Replies: 3
Views: 656

Re: Does this situation warrant an immediate annuity?

nobsinvestor wrote:then at age 65, buy an immediate annuity. That, with her rental income and social security should be enough, her expenses are low. What do you guys think?


It's impossible to say how the numbers look, without knowing how much SS she's going to get, or her expenses.
by 22twain
Sun Nov 09, 2014 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does this situation warrant an immediate annuity?
Replies: 27
Views: 2821

Re: New car - should I pay cash or use credit?

Leeraar wrote:It is incredibly easy for car dealers to mask a higher price with a lower interest rate.


Whenever I see a "0% interest rate", I think TANSTAAFL.
by 22twain
Sun Nov 09, 2014 1:25 am
 
Forum: Personal Finance (Not Investing)
Topic: New car - should I pay cash or use credit?
Replies: 32
Views: 4688

Re: good time for a russian vacation package?

I suspect people in the resort towns in Crimea would be very happy to see you, if you can get there. :D
by 22twain
Sun Nov 09, 2014 1:15 am
 
Forum: Personal Consumer Issues
Topic: good time for a russian vacation package?
Replies: 6
Views: 891

Re: Planning our retirement

Have either or both of you been paying into Social Security? If both of your incomes have been at or over the maximum subject to SS payroll tax (see table here ), and will continue to be, for a total of at least 35 years, you could be in line for combined benefits of $50-80K (in today's dollars) dep...
by 22twain
Wed Nov 05, 2014 2:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Planning our retirement
Replies: 3
Views: 440

Re: Track your car's fuel use (mileage)

How do you know your car odometer is accurate when you calculate your own mileage? Ever check that? With my Sonic's predecessor, I checked the odometer occasionally against the mile markers on Interstates on trips to the "big cities" about 50 miles away in various directions, or on cross-...
by 22twain
Mon Nov 03, 2014 10:37 am
 
Forum: Personal Consumer Issues
Topic: Track your car's fuel use (mileage)
Replies: 31
Views: 2032

Re: Track your car's fuel use (mileage)

I have found that the onboard computers are very optimistic. I think they are programmed by the marketing departments! The dashboard MPG indicator on my Chevy Sonic is consistently about 1 to 1.5 higher than what I calculate from my actual mileage and gas usage between fillups. Whenever I fill up, ...
by 22twain
Mon Nov 03, 2014 1:52 am
 
Forum: Personal Consumer Issues
Topic: Track your car's fuel use (mileage)
Replies: 31
Views: 2032

Re: Early SS or Higher IRA Withdrawal??

Ages % Withdrawal 57/58 4.3% 58/59 4.4% 59/60 4.6% 60/61 4.8% 61/62 5.0% 62/63 5.5% 63/64 5.9% 64/65 6.0% 65/66 6.2% What is your projected % withdrawal after this point, when you are both collecting SS?
by 22twain
Thu Oct 30, 2014 8:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Early SS or Higher IRA Withdrawal??
Replies: 19
Views: 1621

Re: Retirement and my plan on where to put my money

The rule-of-thumb safe withdraw rate of 4% with a reasonable chance of not running out of money in your lifetime would only be $72,000 per year compared to $108,660 year guaranteed for life from the pension. However, note that the $72K is inflation-adjusted, whereas the pension is probably not. Wit...
by 22twain
Thu Oct 30, 2014 8:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement and my plan on where to put my money
Replies: 17
Views: 2481

Re: DVD-R, RW and VHS Player

Has your Cablevision service gone all-digital? I think I remember reading they did that in NYC a few years ago. In that case you'll still need to rent a CableCard from them in order to use a TiVo. The CableCard un-encrypts the channels that your subscription allows you to access, like a regular digi...
by 22twain
Mon Oct 27, 2014 11:18 pm
 
Forum: Personal Consumer Issues
Topic: DVD-R, RW and VHS Player
Replies: 13
Views: 1113

Re: DVD-R, RW and VHS Player

For what it's worth, I used three different Panasonic HDD + DVD-R recorders over the years. They're all discontinued now, but they were the same basic idea as the Wal-Mart / Magnavox units, and worked well. Now I use a TiVo. I don't pay a monthly subscription, instead I paid a one-time lifetime subs...
by 22twain
Mon Oct 27, 2014 3:23 pm
 
Forum: Personal Consumer Issues
Topic: DVD-R, RW and VHS Player
Replies: 13
Views: 1113

Re: DVD-R, RW and VHS Player

So you want to record TV broadcasts for later viewing, and possibly archiving permanently? This hard-disk (HDD) recorder is like a TiVo without the program guide (and the subscription fee that you have to pay for it), but with a built-in DVD recorder. You can simply watch a recorded program off the ...
by 22twain
Mon Oct 27, 2014 1:09 pm
 
Forum: Personal Consumer Issues
Topic: DVD-R, RW and VHS Player
Replies: 13
Views: 1113

Re: Estimated SS COLA for 2015

The Average Wage Index, the other inflation-related component of calculating SS benefits, for 2013 is $44,888.16, up about 1.3% from the previous value of $44,321.67. This affects projected benefits for people who have not yet reached age 62, the minimum age at which you can start to collect benefit...
by 22twain
Wed Oct 22, 2014 9:46 am
 
Forum: Investing - Theory, News & General
Topic: Estimated SS COLA for 2015
Replies: 17
Views: 1967

Re: Need to replace AM FM receiver to accomodate DVD player

For TV, do you use a cable or satellite box or TiVo, or do you connect an antenna directly to the TV? If you use some kind of box, you may want to consider getting a A/V receiver like WhyNotUs suggested. Then you can connect the box and the Blu-ray player to the receiver, connect the receiver's HDMI...
by 22twain
Tue Oct 21, 2014 3:16 pm
 
Forum: Personal Consumer Issues
Topic: Need to replace AM FM receiver to accomodate DVD player & TV
Replies: 3
Views: 324

Re: How do you wash your car?

We use an express car wash ($5) two or three times a year, most often in the spring during pine pollen season. We're in a small town far from major metro areas so the air is usually pretty clean otherwise.
by 22twain
Mon Oct 20, 2014 9:05 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 7406

Re: [how should new investors select funds w/o] Past Perform

There's probably some resistance to the idea of limiting oneself to "just the average" performance of the total market. You might remind them that this limitation works in both directions: you'll never do better than average, but you'll also never do worse than average, either!
by 22twain
Sun Oct 19, 2014 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: [how should new investors select funds w/o] Past Performance
Replies: 6
Views: 584

Re: Help Create a Portfolio Generating 2,500 a month on 600K

She was also left with two investment accounts Rollover IRA with 600k Individual Brokerage account with 600K I would like to use the IRA account to generate around 2500k a month of extra income for her through Dividends, Interest and other forms while maintaining as much capital preservation as pos...
by 22twain
Sun Oct 19, 2014 12:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Help Create a Portfolio Generating 2,500 a month on 600K
Replies: 22
Views: 3887

Re: Capital Gains for 2014

Their AGI in less than $73,800. it is my understanding that they will not have to pay capital gains if their AGI is les than $73,800. You're thinking of the 0% rate for long-term capital gains (LTCG) for income in the 15% bracket or lower. Two problems with your understanding: First, the relevant f...
by 22twain
Sat Oct 18, 2014 1:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Capital Gains for 2014
Replies: 4
Views: 1167

Re: Can I reduce my *retirement* savings rate?

we can't access money in my 403b unless I quit Are you sure about that? I'm also in academia. My college's 403b plan with TIAA-CREF allows in-service withdrawals after age 59.5, of elective contributions (salary deferrals) and earnings arising from them. However, employer contributions and their ea...
by 22twain
Fri Oct 17, 2014 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I reduce my *retirement* savings rate?
Replies: 35
Views: 3396

Re: What happened to the audiophile?

However, there's a ton of fantastically recorded jazz, classical, acoustic, and world music, including new recordings with boutique labels such as Blue Coast Records, 2L, MA Records, Soundkeeper, AIX, etc. In the classical world, many "independent" (non-major) labels have long been known ...
by 22twain
Thu Oct 16, 2014 4:11 pm
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 4092

Re: What happened to the audiophile?[High quality music sour

Where do you go to download high quality music (not pirated, hopefully)? Or do you just buy CDs and burn FLAC files? That depends on what kind of music you listen to, I suppose. I'm a classical-music guy myself, with a decent two-channel audio setup, probably best classified as "entry-level au...
by 22twain
Thu Oct 16, 2014 2:12 pm
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 4092

Re: -11.33% YTD, asking for some guidance

The part that I don't get is that I would be -7% (still better than -11%) if I picked "S&P 500 Index Separate account" correct ? How can an S&P index fund be down 7% YTD? :shock: On December 31 the S&P was at 1848.36. Yesterday it closed at 1862.49. That's still slighly positi...
by 22twain
Thu Oct 16, 2014 10:39 am
 
Forum: Investing - Help with Personal Investments
Topic: -11.33% YTD, asking for some guidance
Replies: 57
Views: 3467

Re: -11.33% YTD, asking for some guidance

The part that I don't get is that I would be -7% (still better than -11%) if I picked "S&P 500 Index Separate account" correct ? How can an S&P index fund be down 7% YTD? :shock: On December 31 the S&P was at 1848.36. Yesterday it closed at 1862.49. That's still slighly positi...
by 22twain
Thu Oct 16, 2014 6:13 am
 
Forum: Investing - Help with Personal Investments
Topic: -11.33% YTD, asking for some guidance
Replies: 57
Views: 3467
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