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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: 1545

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: 751

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: 739

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: 1565

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: 5717

Re: AARP Bulletin mentions Bogleheads Guide to Retirement Pl

LadyGeek wrote:Wade Pfau is quoted in Step 5: Make Your Money Last. He's now recommending 2.5% as a safe withdrawal rate.


...for people "who rely entirely on fixed-income investments."
by 22twain
Wed Sep 10, 2014 9:59 pm
 
Forum: Investing - Theory, News & General
Topic: AARP Bulletin mentions Bogleheads Guide to Retirement Planni
Replies: 11
Views: 743

Re: Low Income Investor (Tax Concerns)

JD wrote:if you want to open a ROTH IRA, you would be able to place $5,500 in IRA and the rest in taxable account for the same fund.


Or put $5500 in the IRA now, and then after the beginning of next year, another $4500, or even $5500 if you're feeling flush by then.
by 22twain
Wed Sep 10, 2014 6:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Low Income Investor (Tax Concerns)
Replies: 31
Views: 1856

Re: Texas - Recommendation Where To Live

Yes, Texas is very big! This comes as a surprise to many people from those little states in the east. :mrgreen: Texan: "I can drive all day and all night and all the next day, and I'm still in Texas!" Vermonter: (sympathetically) "I know what you mean, I used to have a car like that ...
by 22twain
Mon Sep 08, 2014 9:49 am
 
Forum: Personal Consumer Issues
Topic: Texas - Recommendation Where To Live
Replies: 56
Views: 2861

Re: Social Security Delayed Retirement Credits

but no, COLA only gets added to the benefit amount in years after the benefits have already begun. The DRC is based on the basic amount, no COLAs are added in yet. No, the PIA is increased by the COLA every year after it is first calculated at age 62. See the example case B here: http://www.ssa.gov...
by 22twain
Sun Sep 07, 2014 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Delayed Retirement Credits
Replies: 43
Views: 3475

Re: Drawing down a windfall...

Tarkus wrote:Three years ago [...] I got a five year contract earning $250,000 per year


So you've got two years left on that contract, right? What are your employment prospects after that, at your current company or elsewhere?
by 22twain
Sat Sep 06, 2014 2:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Drawing down a windfall...
Replies: 55
Views: 4091

Re: Retiree Investor Needs Advice

You mention that "you will not need any of this income to live on", but you realize that you have to start to take " required minimum distributions" (RMD) at age 70 1/2, unless you are still working and keep your 401K with your employer. You don't have to spend your RMDs, just p...
by 22twain
Sat Sep 06, 2014 12:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Investor Needs Advice
Replies: 28
Views: 1605

Re: Road Trip, New England to Cailfornia

A little out of the way but Montgomery, Alabama has some Civil Rights monuments. You can stand where Rosa Parks got on the bus. MLK was also a minister there. A bit east of Montgomery, you can stop in Tuskegee and visit the Tuskegee Institute National Historic Site . I was headed for an overnight s...
by 22twain
Fri Sep 05, 2014 2:40 pm
 
Forum: Personal Consumer Issues
Topic: Road Trip, New England to Cailfornia
Replies: 11
Views: 1104

Re: SG 100 Rare Stamps Index

The ONLY stamp investment that I have made in the past five years is to head to the various stamp shows and purchase mint US postage at 60-70 cents on the dollar and use them for my personal mail. How is that even possible? That's like selling a dollar bill for $0.60, because it's an old printing. ...
by 22twain
Wed Sep 03, 2014 2:39 pm
 
Forum: Investing - Theory, News & General
Topic: SG 100 Rare Stamps Index
Replies: 11
Views: 814

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: 2137

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: 68
Views: 7199

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: 3517

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: 2119

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: 101
Views: 7824

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: 5432

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: 738

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: 225
Views: 18426

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: 1021

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: 2377

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: 1860

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: 2407

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: 8085

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: 44
Views: 2569

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: 44
Views: 2569

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: 788

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: 9483

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: 1238

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: 890

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: 5103

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: 1508

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: 2980

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: 9483

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: 1626

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: 6838

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: 9483

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: 1530

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: 1503

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: 1963

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: 1963

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: 6393

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: 666

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: 1728

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: 1667

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: 7446

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: 7194

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: 1830
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