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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 9:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Early SS or Higher IRA Withdrawal??
Replies: 19
Views: 1481

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 9:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement and my plan on where to put my money
Replies: 16
Views: 2053

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
Tue Oct 28, 2014 12:18 am
 
Forum: Personal Consumer Issues
Topic: DVD-R, RW and VHS Player
Replies: 13
Views: 870

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 4:23 pm
 
Forum: Personal Consumer Issues
Topic: DVD-R, RW and VHS Player
Replies: 13
Views: 870

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 2:09 pm
 
Forum: Personal Consumer Issues
Topic: DVD-R, RW and VHS Player
Replies: 13
Views: 870

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 10:46 am
 
Forum: Investing - Theory, News & General
Topic: Estimated SS COLA for 2015
Replies: 17
Views: 1818

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 4:16 pm
 
Forum: Personal Consumer Issues
Topic: Need to replace AM FM receiver to accomodate DVD player & TV
Replies: 3
Views: 298

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 10:05 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 6838

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 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: [how should new investors select funds w/o] Past Performance
Replies: 6
Views: 561

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 1:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Help Create a Portfolio Generating 2,500 a month on 600K
Replies: 22
Views: 3799

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 2:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Capital Gains for 2014
Replies: 4
Views: 1133

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 3:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I reduce my *retirement* savings rate?
Replies: 35
Views: 3334

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 5:11 pm
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 3742

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 3:12 pm
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 3742

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 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: -11.33% YTD, asking for some guidance
Replies: 57
Views: 3398

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 7:13 am
 
Forum: Investing - Help with Personal Investments
Topic: -11.33% YTD, asking for some guidance
Replies: 57
Views: 3398

Re: ETF vs. Mutual Funds

JamesSFO wrote:if you have $100 to invest you can get 0.5 shares of VG Total Stock mutual fund or whatever, but with ITOT or VTI the money sits on the side until you have a full share.


VTI is at about $96 per share right now. :annoyed
by 22twain
Wed Oct 15, 2014 10:15 am
 
Forum: Investing - Help with Personal Investments
Topic: ETF vs. Mutual Funds
Replies: 17
Views: 1220

Re: Relatively new here. What did you do in 2008/09

I kept my main retirement account on autopilot, with the same monthly contributions, and no rebalancing. This post describes the outcome.
by 22twain
Tue Oct 14, 2014 9:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 106
Views: 7038

Re: Relocating to a tax free state with good weather need ad

I suggest South Carolina. i don't know if tax free Sales tax is usually 5% state + 1% county. On groceries it's 3%. Income tax is based on federal taxable income. It tops out at a marginal rate of 7% for income above about $14K. However, Social Security benefits are not taxable, and there is a $15K...
by 22twain
Sun Oct 12, 2014 1:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 53
Views: 3624

Re: Losing money, please advise

Someone asked a very similar question a few days ago (Thursday). To save the people who answered the trouble of typing out their reponses all over again, here's a link:

Invested Windfall and Now Market Is Down
by 22twain
Sun Oct 12, 2014 11:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Losing money, please advise
Replies: 36
Views: 5032

Re: Relocating to a tax free state with good weather need ad

There's a huge population mass only a couple of hours flying time north of Florida, most of whom have large numbers of family, friends and neighbors who have made the Florida migration before them. The eastern flyway. Just follow the geese and other migrating birds. :) Eastern flyway to the east co...
by 22twain
Sun Oct 12, 2014 2:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 53
Views: 3624

Re: Draw down taxable saving first?

Then which one to withdraw first depends a lot on your top tax brackets for the feds, whether you will have a state income tax on withdrawals and how much you have in retirement accounts that will have RMDs (Required Minimum WIthdrawals) after age 70½. More explicitly, if you will be in a higher ta...
by 22twain
Fri Oct 10, 2014 10:08 am
 
Forum: Investing - Theory, News & General
Topic: Draw down taxable saving first?
Replies: 38
Views: 2597

Re: Is this smart?

skeptic88 wrote:still confused


Can you say what you're confused about, and why? It's hard for people to answer otherwise.
by 22twain
Thu Oct 09, 2014 12:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Is this smart?
Replies: 19
Views: 1402

Re: Things that you will not spend money on and most people

JDDS wrote:Most cable TV channels.


For us, make that any cable TV channels. The channels we get with the antenna on our roof are enough for us.
by 22twain
Wed Oct 08, 2014 3:43 pm
 
Forum: Personal Consumer Issues
Topic: Things that you will not spend money on and most people do?
Replies: 78
Views: 4023

Re: A good day to be in heavy in Bonds --- 10-7-2014....

Looks like we're going to end up right back where we were at the end of the day on Monday. :beer
by 22twain
Wed Oct 08, 2014 3:26 pm
 
Forum: Investing - Theory, News & General
Topic: A good day to be in heavy in Bonds --- 10-7-2014....
Replies: 28
Views: 3392

Re: Road trip to Chicago with kids- what to do/recommendatio

Some of the hotels near O'Hare offer a shuttle to/from the Blue Line stations at Cumberland and/or Rosemont. However, depending upon your schedule you might be better off parking at the Cumberland or Rosemont station so you're not waiting for the shuttle at the end of the day. The last time I was i...
by 22twain
Tue Oct 07, 2014 11:55 pm
 
Forum: Personal Consumer Issues
Topic: Road trip to Chicago with kids- what to do/recommendations?
Replies: 44
Views: 2597

Re: How much is your fixed income investment earning?

cheese_breath wrote:3% on TIAA Traditional.


I've been contributing to my TIAA Traditional account since 1984, so I have some older vintages. I'm averaging a tad over 4%.
by 22twain
Tue Oct 07, 2014 10:47 pm
 
Forum: Investing - Theory, News & General
Topic: How much is your fixed income investment earning?
Replies: 27
Views: 1844

Re: today's WSJ page 1...interesting

technovelist wrote:
baw703916 wrote:If everyone who subscribes to the WSJ uses that method, will they all outperform the market?


Of course. That's why they read the WSJ! :mrgreen:


WSJ = Wobegon Street Journal? 8-)
by 22twain
Tue Oct 07, 2014 3:10 pm
 
Forum: Investing - Theory, News & General
Topic: today's WSJ page 1...interesting
Replies: 22
Views: 3284

Re: Road trip to Chicago with kids- what to do/recommendatio

I second/third/whatever the Museum of Science and Industry, the Field Museum and Shedd Aquarium. Also the Sears, oops Willis Tower. Depending on where you're from, the 'L' (elevated railroad) may itself be an attraction, particularly the famous Loop through downtown Chicago. Unfortunately, no normal...
by 22twain
Sun Oct 05, 2014 12:48 am
 
Forum: Personal Consumer Issues
Topic: Road trip to Chicago with kids- what to do/recommendations?
Replies: 44
Views: 2597

Re: ETF question

so if i add up the expenses on those 7 ETFs will it still be more cost effective than just buying the asset allocation ETF? Suppose you have $100,000 in the asset allocation ETF, with ER 0.3%. Then your expenses are $300 per year. Now, hypothetically, you sell it and buy the following ETFs (only 4,...
by 22twain
Sat Oct 04, 2014 12:12 am
 
Forum: Investing - Theory, News & General
Topic: ETF question
Replies: 11
Views: 689

Re: OTA HDTV - Best antenna to use?

Rather odd. The Leaf is suppose to support both VHF and UHF but it cannot pickup ANY VHF at all Any antenna (even a straightened paper clip) can receive VHF if the signal is strong enough. However, if the wavelength of the signal is much larger than the size of the antenna, the antenna's sensitivit...
by 22twain
Fri Oct 03, 2014 9:36 am
 
Forum: Personal Consumer Issues
Topic: OTA HDTV - Best antenna to use?
Replies: 54
Views: 6465

Re: The Roosevelts, PBS special

Maybe it was the black and white photography and video but both TR and FDR looked much older than they actually were whenever they showed them. I think the B&W film of that era recorded colors in a way that caused flesh tones to look unnatural, and commercial movie productions had to use makeup...
by 22twain
Tue Sep 30, 2014 10:55 am
 
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 104
Views: 8560

Re: How to get rid of fractional shares

Contact your broker if these are ETF fractional shares. I think Vanguard BS wants you to sell all shares and then it will toss on the fractional shares, too. For instance, if you sell 607 shares VCSH in a holding of 607.349 shares, place an order to sell 607 shares and all 607.349 will be sold. I t...
by 22twain
Mon Sep 29, 2014 6:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to get rid of fractional shares
Replies: 4
Views: 537

Re: Starting a railroad career

Want to live in North Dakota? You will probably be employed upon arrival. The problem is actually finding a place to live in North Dakota. I understand there's a tremendous housing shortage, with insane rents for houses and apartments, and people living in RVs in Walmart parking lots, in the oil-pr...
by 22twain
Mon Sep 29, 2014 1:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Starting a railroad career
Replies: 11
Views: 1646

Re: favorite brand name products

I've standardized on Rockport walking shoes, size 11.5 wide.
by 22twain
Sun Sep 28, 2014 5:09 pm
 
Forum: Personal Consumer Issues
Topic: favorite brand name products
Replies: 58
Views: 3011

Re: Starting a railroad career

Tabulator wrote:I have a four-year college degree.


In what?
by 22twain
Sun Sep 28, 2014 4:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Starting a railroad career
Replies: 11
Views: 1646

Re: Vanguard ETF and fund

For some reason, I could not upgrade to the new combined brokerage and mutual fund accounts using vanguard.com/accountupgrade. Is this only available for some the account owners? According to another thread here (which I can't locate), Vanguard is rolling out the upgrade gradually, offering it to o...
by 22twain
Sun Sep 28, 2014 10:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard ETF and fund
Replies: 19
Views: 1124

Re: Read too many books... help untangle

Remember the old saying that goes something like: "The worst enemy of a good plan is the search for a perfect plan."
by 22twain
Sat Sep 27, 2014 1:43 pm
 
Forum: Investing - Theory, News & General
Topic: Read too many books... help untangle
Replies: 48
Views: 4080

Re: Does the McClellan Oscillator hold any merit?

The McClellan Oscillator? Sounds like a novel by Robert Ludlum about a spy who constantly switches back and forth from one side to the other. 8-)
by 22twain
Sat Sep 27, 2014 10:29 am
 
Forum: Investing - Theory, News & General
Topic: Does the McClellan Oscillator hold any merit?
Replies: 15
Views: 1100

Re: Advice for student buying cheap used car

Geo Prizm is in a similar category (Toyota Corolla). Chevy Prizm in later years. I had a 1990 Geo Prizm followed by a 2000 Chevy Prizm and both served me well. I might still have the latter one if it hadn't gotten totaled a year and a half ago. It was still running well after about 170K miles (most...
by 22twain
Thu Sep 25, 2014 4:14 pm
 
Forum: Personal Consumer Issues
Topic: Advice for student buying cheap used car
Replies: 54
Views: 3280

Re: We're all going to die!!!

My 403(b) contributions will probably arrive in my account today, so I'm glad to get a slight discount per share on the stock fund in it.
by 22twain
Thu Sep 25, 2014 2:09 pm
 
Forum: Investing - Theory, News & General
Topic: [S&P is down 1.3%, thus] We're all going to die!!!
Replies: 58
Views: 4815

Re: Lump sum or monthly check at retirment

If she took $35k now, invested it, acheived an average growth of 5%/year over the next 30 years, and retired at 65 with a 4% SWR, that $35k would grow to $151,267.98 which would provide $504.22/month. A pension is basically an annuity, so an apples-to-apples comparision would be to the monthly payo...
by 22twain
Thu Sep 25, 2014 10:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Lump sum or monthly check at retirement
Replies: 20
Views: 1412

Re: SS Calculation Question

Here's a quick and dirty method of estimating the maximum effect that retiring two years early should have on her SS benefit. It's based on two assumptions. First, that the two foregone years of earnings would be replaced by zeroes in her top 35 years of earnings; however, if she would still have 35...
by 22twain
Tue Sep 23, 2014 12:26 am
 
Forum: Investing - Help with Personal Investments
Topic: SS Calculation Question
Replies: 5
Views: 992

Re: Southwest Airlines Engulfing, Reversal Candle Signals Do

When I saw "Engulfing, Reversal Candle" I thought, this must be someone from Colorado or Washington who's had one too many you-know-whats. :wink:
by 22twain
Mon Sep 22, 2014 3:40 pm
 
Forum: Investing - Theory, News & General
Topic: Southwest Airlines Engulfing, Reversal Candle Signals Downsi
Replies: 55
Views: 3472

Re: Higher Dividend Three Fund Portfolio Idea

Comparing the total growth (with dividends reinvested) of the mutual fund versions (investor shares) of Total Stock Market (VTSMX) and High Dividend Yield (VHDYX) since the inception of VHDYX, there's very little difference. $10,000 of each on 11/16/2006 has grown (to the nearest $100) to $16,900 (V...
by 22twain
Sat Sep 20, 2014 1:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Higher Dividend Three Fund Portfolio Idea
Replies: 15
Views: 1687

Re: College Funds

Even today, graduate schools have such a wide range in prices that you can't pin it down to a single figure to cover any case. After what my employer paid, my MS degree cost me around $75 + coffee expenses. My wife's post-grad schools cost somewhere in the neighborhood of $65k(Maybe more), both wit...
by 22twain
Fri Sep 19, 2014 11:27 am
 
Forum: Personal Finance (Not Investing)
Topic: College Funds
Replies: 13
Views: 802

Re: Three shares of stock, what to do with them?

Have you looked at the Computershare web site? I've never done it myself, but it appears that you can set up an online account with them, and then use it to tell them to sell the shares and send you a check. https://www-us.computershare.com/Investor/Help First look at "How do I access my accoun...
by 22twain
Fri Sep 12, 2014 6:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Three shares of stock, what to do with them?
Replies: 10
Views: 756

Re: Suggestions /Advice for a fresh college graduate

Rajsx wrote:Political Science major and Non Profit minor


Is that a real minor having something to do with nonprofit organizations, or is it a dig at some useless non-employable field? :wink:
by 22twain
Fri Sep 12, 2014 11:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Suggestions /Advice for a fresh college graduate
Replies: 29
Views: 1600

Re: Clean, quiet, safe and cheap. Is there such a travel pla

Are you thinking of just living on a rural farm somewhere in the middle of nowhere? I hear this is what a farmhouse in parts of France are like. They come with a one-speed bike to ride into town for a baguette and cheese. You could do this in Iowa, too. OK, no bike, no cheese, and no baguette. Iowa...
by 22twain
Thu Sep 11, 2014 11:54 pm
 
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 5823
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