Search found 684 matches

by 22twain
Sat Aug 29, 2015 9:07 pm
Forum: Investing - Theory, News & General
Topic: Aug 2015 correction: what Bogleheads did...
Replies: 55
Views: 2030

Re: Aug 2015 correction: what Bogleheads did...

My % of stocks was originally about 1.5% above where it should have been, then it dropped to about 1.5% lower than it should have been, and now it's right about where it should be. And I'd already set aside cash last month for expenses till the end of the year and don't need to withdraw any more. So...
by 22twain
Wed Aug 26, 2015 12:27 am
Forum: Personal Consumer Issues
Topic: Dallas Trip Recommendations
Replies: 11
Views: 755

Re: Dallas Trip Recommendations

lthenderson wrote:the Book Depository Museum


Officially and perhaps better known as the Sixth Floor Museum. I agree it's well worth a visit.
by 22twain
Mon Aug 24, 2015 12:48 am
Forum: Investing - Help with Personal Investments
Topic: Request your thoughts about managing our own 3 fund portfolio
Replies: 5
Views: 524

Re: Request your thoughts about managing our own 3 fund portfolio

Taxable income for 2014 was 67,290. For 2015 the 15% bracket will be $74,900. Assuming 2015 would be about the same taxable income, are you saying that we could take a capital gain of $7,610 and pay 0% tax? Correct. If your capital gain is greater than $7,610 you would pay 15% on the amount that ex...
by 22twain
Sat Aug 22, 2015 11:15 am
Forum: Personal Consumer Issues
Topic: Applecare+ for new iPhone?
Replies: 17
Views: 1362

Re: Applecare+ for new iPhone?

Here's a link to Apple showing some 5s at $99, That's for the 16GB version (I got 32GB) with a 2-year contract at Sprint. The 16GB is $550 for the unlocked version. I haven't looked at the details of Sprint's pricing, but I expect that over 2 years I'd pay pretty much the same altogether, as paying...
by 22twain
Sat Aug 22, 2015 6:55 am
Forum: Personal Consumer Issues
Topic: Applecare+ for new iPhone?
Replies: 17
Views: 1362

Re: Applecare+ for new iPhone?

I decided to follow my usual instinct and pass on Applecare+. My credit card does extend the normal warranty. Considering my likely travel and phone-usage patterns, I don't think I have to worry too much about dropping it, maybe a bit more about losing it. I might get a not-too-bulky case for it, so...
by 22twain
Fri Aug 21, 2015 7:32 am
Forum: Personal Consumer Issues
Topic: Applecare+ for new iPhone?
Replies: 17
Views: 1362

Applecare+ for new iPhone?

I'm about to buy my first smartphone (indeed, first cell phone of any kind), an iPhone 5s. For an additional $99, Applecare+ extends the hardware warranty for 1 year, and (perhaps more significantly) "adds up to two incidents of accidental damage coverage, each subject to a $79 service fee plus...
by 22twain
Thu Aug 20, 2015 8:09 am
Forum: Investing - Help with Personal Investments
Topic: Help 2 grow 90k invest fairly fast
Replies: 89
Views: 5791

Re: Help 2 grow 90k invest fairly fast

I don't remember seeing anyone mention yet, the first rule of dealing with a windfall: DON'T RUSH! (forgive me if someone has, and I've overlooked it while scanning through this thread. :oops: ) Put the money in an insured savings account or CDs, and give yourself 6 months to a year to decide what t...
by 22twain
Wed Aug 19, 2015 12:21 am
Forum: Investing - Theory, News & General
Topic: Why does Bogle disparage ETFs in his book?
Replies: 35
Views: 2496

Re: Why does Bogle disparage ETFs in his book?

ETFs are a way to get Vanguard index funds in accounts where lack of availability and/or trading costs make a Vanguard mutual fund a less desirable option. People don't always have the choice or the preference to lodge their funds at Vanguard. My taxable and Roth investment accounts are at T. Rowe ...
by 22twain
Tue Aug 18, 2015 10:49 am
Forum: Personal Finance (Not Investing)
Topic: SSA: your estimated benefits (how to calculate)
Replies: 30
Views: 3013

Re: SSA: your estimated benefits (how to calculate)

I use 2014 bend points since that would seem to be the most conservative approach The bend points are indexed using the NAWI. The "reference point" is the bend points for 1979 and the NAWI for 1977: First bend point for 2015 = (first bend point for 1979) * (NAWI for 2013) / (NAWI for 1977...
by 22twain
Sat Aug 15, 2015 9:32 am
Forum: Investing - Help with Personal Investments
Topic: Please advise how to spend down retirement assets without altering our asset allocation
Replies: 12
Views: 1245

Re: Thanks for your ideas and comments

Several people here suggest rolling the small 403b accounts to an IRA. I can easily see the advantage of consolidating several small accounts, but why roll them into an IRA? The total amount in 403(b)s is less than 3%. Many people here would not consider that large enough to be worth keeping as a s...
by 22twain
Fri Aug 14, 2015 1:08 pm
Forum: Personal Consumer Issues
Topic: Commuter Car Purchase after College
Replies: 24
Views: 1689

Re: Commuter Car Purchase after College

How long will your commute be, and what kind of roads/traffic? Also, what part of the country, at least? (I understand you might not want to get too specific about your location, but there are surely differences in commuting in, say, Boston versus Los Angeles area, as regards road conditions, climat...
by 22twain
Wed Aug 12, 2015 11:43 pm
Forum: Personal Consumer Issues
Topic: Looking for a DVR device for antenna TV (Simple.TV?)
Replies: 48
Views: 4384

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

I use a Magnavox DVR I purchased at Walmart. [...] The model currently for sale is the Magnavox MDR557H/F7. It's also available from Amazon.com. It has a High Def tuner and records to an internal hard drive. If you decide to keep the recorded program, you can write it to a DVD. You can select the q...
by 22twain
Sat Aug 08, 2015 6:17 pm
Forum: Investing - Theory, News & General
Topic: What Did You Do In The 2008/2009 Stock Market Crash?
Replies: 51
Views: 3437

Re: What Did You Do In The 2008/2009 Stock Market Crash?

I continued contributing to my TIAA-CREF 403(b) plan as before, with the same allocation of new contributions: 50% TIAA Traditional (more or less a stable-value fund, 3% minimum guaranteed interest rate, actually paying about 4% during the past several years), and 50% CREF Stock (a broadly based sto...
by 22twain
Fri Aug 07, 2015 12:27 am
Forum: Investing - Theory, News & General
Topic: So do the uber wealthy invest money the same way we do?
Replies: 95
Views: 9355

Re: So do the uber wealthy invest money the same way we do?

Jags4186 wrote:when you have a ridiculous amount of money you do your best not to lose it


Even if you lose half of it, it's probably still a ridiculous amount of money, or at least semi-ridiculous.
by 22twain
Wed Aug 05, 2015 3:03 am
Forum: Investing - Help with Personal Investments
Topic: Am I wrong? [to assist family members with finances]
Replies: 32
Views: 4119

Re: Am I wrong?

Just tell them, "if grandma can do it, so can you!" :P
by 22twain
Thu Jul 30, 2015 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Newbie question
Replies: 16
Views: 760

Re: Newbie question

How could I start with Roth IRA ? if the limit is 5.500. I cant buy separately 3 funds because minimum is 3000 for one. Should I just buy retirement Vanguard Target Retirement 2045 ? Is that only way to start ? and after somehow convert it to 3 funds ? That's what I would suggest. When the value of...
by 22twain
Wed Jul 29, 2015 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: Social Security and Expenses
Replies: 61
Views: 3602

Re: Retirees: Social Security and Expenses

Right now, 0%, because neither of us is collecting SS yet. We're both waiting until age 70. We're both still working, but not for much longer; probably end of this year for my spouse, and end of next year for me. After we're both collecting, our combined SS will cover about 130% of our normal expens...
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: 971

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: 4745

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: 4899

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: 2373

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: 326

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: 31
Views: 1840

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: 31
Views: 1840

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: 1794

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: 6921

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: 4469

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: 1637

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: 6877

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: 4469

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: 4984

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: 3684

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: 4776

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: 28348

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: 4169

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: 8274

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: 8274

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: 1061

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: 1100

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: 1863

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: 2365

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: 883

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: 48
Views: 4384

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: 802

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: 13425

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: 2365

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: 551

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: 2365

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: 1988

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...

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