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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: 46
Views: 4457

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: 1428

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: 103
Views: 5076

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: 46
Views: 4457

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: 1442

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: 1442

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: 1937

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: 1937

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: 6189

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: 643

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: 1642

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: 1620

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: 7181

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: 87
Views: 4991

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: 1805

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: 3378

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: 2411

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: 2035

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: 2286

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: 1113

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: 2339

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: 1698

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: 2077

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: 2077

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: 2739

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: 2739

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: 492

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: 968

Re: Riding a bicycle east from Cleveland

Here's a possibility that would tie into my suggestion to go out Ohio 87. There are several hotels at the Chagrin Blvd. (US 422 and Ohio 87) interchange of I-271. Some of them are served by bus 5. You can identify them easily by zooming in on Google Maps. Getting there from the airport would involve...
by 22twain
Sun Jun 22, 2014 1:58 pm
 
Forum: Personal Consumer Issues
Topic: Riding a bicycle east from Cleveland
Replies: 26
Views: 1308

Re: Riding a bicycle east from Cleveland

1) Has anyone ridden east of Cleveland and into Pennsylvania? Did you ride over Pymatuning Reservoir or around it? 2) Instead of riding due east of Cleveland, another option is to ride north along Lake Erie and then head east. Is this a better idea? If so, where would you suggest I start heading ea...
by 22twain
Sun Jun 22, 2014 1:49 am
 
Forum: Personal Consumer Issues
Topic: Riding a bicycle east from Cleveland
Replies: 26
Views: 1308

Re: Suggestions for 1-2 Days in NYC?

Museums, I generally don't care for unless they're pretty techy/architectural/design, etc New York Transit Museum , in an unused subway station in downtown Brooklyn. Then you can walk along the riverfront promenade in Brooklyn Heights and back to Manhattan over the Brooklyn Bridge. New York City Fi...
by 22twain
Fri Jun 20, 2014 11:39 am
 
Forum: Personal Consumer Issues
Topic: Suggestions for 1-2 Days in NYC?
Replies: 51
Views: 3082

Re: 403(B): Fidelity, Prudential, TIAA-CREF, or Vanguard?



Scroll down to the bottom and you will find the following link: USC 403b Investment Comparison. This PDF file says which specific funds are available from each vendor.
by 22twain
Tue Jun 17, 2014 12:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: 403(B): Fidelity, Prudential, TIAA-CREF, or Vanguard?
Replies: 14
Views: 744

Re: 403(K): Fidelity, Prudential, TIAA-CREF, or Vanguard?

vsful wrote:In terms of specific funds, I am not sure how to answer that question.


The university's web site should provide information about which funds are available to you from each vendor. Look around in the section for the Human Resources department.
by 22twain
Tue Jun 17, 2014 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: 403(B): Fidelity, Prudential, TIAA-CREF, or Vanguard?
Replies: 14
Views: 744

Re: Public Transportation in Miami, FL for visitors

Official information: http://www.miamidade.gov/transit/ System map: http://www.miamidade.gov/transit/library/system-maps-web.pdf I used to visit Miami occasionally on day-trips via public transit from Fort Lauderdale when my parents lived there. You can probably manage a few days there using only tr...
by 22twain
Sun Jun 08, 2014 1:54 pm
 
Forum: Personal Consumer Issues
Topic: Public Transportation in Miami, FL for visitors
Replies: 6
Views: 489

Re: possible to have TOO MUCH in 401k account?

KlangFool wrote:1) Is it possible for a person to work at the same place for 20 to 30 years??


It's not unusual in academia, for faculty who have tenure. I've been working for the same college for 29 years. My wife officially retired after 34 years, but is still teaching there part time, three years after that.
by 22twain
Fri Jun 06, 2014 9:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: possible to have TOO MUCH in 401k account?
Replies: 54
Views: 7228

Re: Verizon FIOS bundle-->internet only. Streaming speed?

I also eventually want to use an HD antenna to watch the occasional major sporting event, oscars, local news, etc. Any suggestions on whether this works well, and what antenna to buy? The answers to these questions strongly depend on "location, location, location." Another site (which man...
by 22twain
Thu Jun 05, 2014 9:38 am
 
Forum: Personal Consumer Issues
Topic: Verizon FIOS bundle-->internet only. Streaming speed?
Replies: 7
Views: 722

Re: invest

Is the $500K now in cash or in something else?
by 22twain
Wed Jun 04, 2014 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: invest
Replies: 7
Views: 729

Re: State pension + SS adjusted according to inflation?

Question... For my knowledge, do state pensions go up according to inflation? There are 50 states - we can Google it for you, but only if you tell us which state. Or you can ask someone at your workplace. According to the OP's other thread, the state is Mississippi: http://www.bogleheads.org/forum/...
by 22twain
Sat May 31, 2014 11:07 am
 
Forum: Investing - Help with Personal Investments
Topic: State pension + SS adjusted according to inflation?
Replies: 9
Views: 878

Re: $2,065,140 lifetime earnings = second bend point (SS)?

In another thread, I asked (and LadyGeek added) a table to the Social Security Wiki __ (it is in the "Notes" section): http://www.ssa.gov/OACT/ProgData/ar_drc.html (Note that the 8% increase is for all, but only after FRA, so for later taxpayers it is as low as 24% above the number at FRA...
by 22twain
Sat May 31, 2014 12:36 am
 
Forum: Investing - Help with Personal Investments
Topic: $2,065,140 lifetime earnings = second bend point (SS)?
Replies: 25
Views: 3558

Re: Spending in first year of retirement

I'm curious... why did you figure your expenses would go up by 66% after retirement?
by 22twain
Wed May 28, 2014 1:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Spending in first year of retirement
Replies: 8
Views: 1026

Re: Moving to Alaska

wingnutty wrote:
and don't let the grizzlies bite.



...I think it's polar bears :happy


Don't forget the mosquitoes! :twisted:
by 22twain
Sat May 24, 2014 10:46 am
 
Forum: Personal Consumer Issues
Topic: Moving to Alaska
Replies: 19
Views: 2577

Re: Making the complete move to Vanguard, need a sanity chec

rkatz0 wrote:Call the Vanguard rep on Monday morning,


Better make that Tuesday. Monday is a holiday, remember? :wink:
by 22twain
Sat May 24, 2014 8:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Making the complete move to Vanguard, need a sanity check
Replies: 21
Views: 1777

Re: Fixed income - meaning of the phrase

Sidney wrote:It is probably a throwback to the days of DB non-cola pensions.


Also, once upon a time, Social Security was not automatically indexed for inflation.
by 22twain
Sat May 24, 2014 8:48 am
 
Forum: Personal Consumer Issues
Topic: Fixed income - meaning of the phrase
Replies: 12
Views: 886

Re: Anyone live in The Cliffs in NC?

Just a friendly tip... Cliffs Valley is in South Carolina, not North Carolina. :wink: I sometimes drive past it on my way up into the mountains.
by 22twain
Fri May 23, 2014 10:02 pm
 
Forum: Personal Consumer Issues
Topic: Anyone live in The Cliffs in NC?
Replies: 9
Views: 1485

Re: cable cutting questions

The TiVo Roamio and the older TiVo Premiere both have OTA tuners. You have to pay extra for program guide service, without which the box can't be used as a DVR. When I bought my Premiere a year and a half ago, the cost of a "lifetime" subscription to the program guide equaled about three y...
by 22twain
Thu May 22, 2014 11:58 pm
 
Forum: Personal Consumer Issues
Topic: cable cutting questions
Replies: 49
Views: 4983

Re: Break is over (Yep, a SS question) 😔

It is Pensive Face (third row) I see it clearly in Safari 7.0.3 under OS X 10.9.3 I also see it, in Firefox under OS X 10.9.3. I didn't think anything special about it and assumed it was one of the forum's smilies. Now I know better. I've seen the Emoji in Character Viewer when I use it to access t...
by 22twain
Thu May 22, 2014 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Break is over (Yep, a SS question)
Replies: 37
Views: 2757

Re: Break is over (Yep, a SS question) 😔

Do I need to "file and suspend" now? You don't need to file and suspend, but if you do it now, you open up the following possibility: If (heaven forbid) you are diagnosed with a terminal illness between now and age 70, such that you'll probably live only a few more years, you can reinstat...
by 22twain
Thu May 22, 2014 10:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Break is over (Yep, a SS question)
Replies: 37
Views: 2757

Re: Dumb question about funds and rate of return...but I'll

Everybody that uses broadly-diversified index funds has low returns so far this year. Vanguard's Total Stock Market Index fund is up only about 1.4% this year so far, including reinvested dividends. I wouldn't worry about it. You had a very good year last year, right? If you go back a year, or even ...
by 22twain
Thu May 22, 2014 3:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Dumb question about funds and rate of return...but I'll ask
Replies: 8
Views: 1018

Re: Hotel suggestions Washington,DC

[about the area near the Mall] We were surprised to learn that the place turns into a ghost town at night and there are very few places to eat. About 30 years ago I went to a conference at U of Maryland in nearby College Park. The day afterward, a fall Sunday morning, I drove into DC for some sights...
by 22twain
Wed May 21, 2014 4:38 pm
 
Forum: Personal Consumer Issues
Topic: Hotel suggestions Washington,DC
Replies: 32
Views: 2037
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