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by 22twain
Thu May 21, 2015 9:30 am
Forum: Personal Consumer Issues
Topic: Parks to visit between TX and PA?
Replies: 23
Views: 694

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: 23
Views: 1482

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: 665

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: 158
Views: 9089

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: 23
Views: 1321

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: 468

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: 23
Views: 1321

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: 1622

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...
by 22twain
Mon May 11, 2015 1:07 pm
Forum: Personal Consumer Issues
Topic: Having a website
Replies: 18
Views: 1622

Re: Having a website

One drawback with Google Sites is that if you move to another provider, you can't simply bundle up all the files and transfer them to their new home. You have to copy and paste the content from Google Sites (either by copying the displayed pages or copying information from the editing screens) and u...
by 22twain
Mon May 11, 2015 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Retirement in 2 years?
Replies: 16
Views: 2274

Re: Retirement in 2 years?

Using a 4% safe withdrawal rate I would need a portfolio of $876K in retirement. Keep in mind that the commonly discussed "4% SWR" rule of thumb assumes retirement at 65, with up to about 30 years of remaining lifespan; not retirement at 50, with up to about 45 years of remaining lifespan.
by 22twain
Thu May 07, 2015 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 141
Views: 16991

Re: What job to get to coast to Retirement at age 59 1/2?

Teaching at a local Junior College. Average national pay is low-$70k's for the technical side and low-$50k's for private for full time (12 units). Regular faculty positions are hard to get nowadays. Adjuncts are paid by the course, usually about $2500-$3000 each (one semester). Four courses per sem...
by 22twain
Fri May 01, 2015 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Calculators: Data input choices
Replies: 10
Views: 925

Re: Retirement Calculators: Data input choices

Questions: First, a question for you (and others who respond): How old are you (at least approximately)? This affects the reasonability of assumptions about Social Security, and how seriously you should take projections from e.g. Firecalc. It's one thing to try to project 30 years into the future i...
by 22twain
Thu Apr 30, 2015 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Finding the actuarial value of delaying SS benefits
Replies: 35
Views: 3505

Re: Finding the actuarial value of delaying SS benefits

AFAIK, the Social Security tables include all lives, including people living in hospices or with known, terminal illnesses. I'd guess that anyone interested in this question does not fall into those categories. So I'd guess the average mortality of people who ask the question is somewhat better tha...
by 22twain
Sat Apr 25, 2015 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Inflation's impact on retirement savings - confused
Replies: 19
Views: 1561

Re: Inflation's impact on retirement savings - confused

I'm contributing 10% to 401(k) with a 5% company match. That's great, for someone starting out. If you simply maintain that total 15% rate, you'll be far ahead of most people when you retire. Of course, Bogleheads aren't "most people." :wink: I wouldn't stress out about that rate now, but...
by 22twain
Thu Apr 23, 2015 12:12 am
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 188
Views: 10977

Re: How much do you pay in Property Taxes?

We paid about $925 in property tax last year, on a house that would probably sell for about $160K. 3br, 2ba, about 2000 sq. ft. Small rural town in the Southeast.
by 22twain
Thu Apr 23, 2015 12:06 am
Forum: Investing - Help with Personal Investments
Topic: Help Requested: How many ETFs & Index Funds is too much?
Replies: 32
Views: 1850

Re: Help Requested: How many ETFs & Index Funds is too much?

My reason for adding VHT/Healthcare and VIG/Dividend ETFs was to try to be more diversified, since VTI/Total Stock focuses on the entire market and not a specific sector. VTI already includes all the stocks in VHT and VIG, in proportion to their "weight" in the total market according to t...
by 22twain
Thu Apr 16, 2015 11:24 pm
Forum: Personal Consumer Issues
Topic: Another Florida Keys question
Replies: 17
Views: 2394

Re: Another Florida Keys question

If you decide not to rent a car, there are many transportation services to choose from. Here are just a few... http://www.keysshuttle.com/ http://reefrunaround.com/ http://floridakeystransport.com/ http://www.floridakeysexpressshuttle.com/ http://keywestdaytrip.com/ http://www.keystransportation.co...
by 22twain
Thu Apr 16, 2015 10:57 am
Forum: Investing - Theory, News & General
Topic: Can I incorporate stop loss into this investment philosophy?
Replies: 31
Views: 1651

Re: Can I incorporate stop loss into this investment philoso

airmale wrote:So companys never go bankrupt? Cool!


Companies go bankrupt but the total market doesn't. Unless it's something like the Russian stock exchange in 1917.

I'm not worried about Vanguard's Total Stock Market ETF or Total International Stock Market ETF going to zero.
by 22twain
Sat Apr 11, 2015 11:46 pm
Forum: Personal Consumer Issues
Topic: Road trip Pittsburgh to Milwaukee
Replies: 7
Views: 681

Re: Road trip Pittsburgh to Milwaukee

How much time are you allowing for the drive from Pittsburgh to Milwaukee? For the Pittsburgh-Cleveland leg, you might consider some or all of this route: First, if you're a sucker for drives along rivers, like I am, drive along the north bank of the Ohio River to East Liverpool, Ohio. The big indus...
by 22twain
Mon Apr 06, 2015 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Buy more expensive house to improve financial situation?
Replies: 37
Views: 4926

Re: Buy more expensive house to improve financial situation?

miamivice wrote:I currently live in a $600,000 house


Are you in Florida, by any chance? If so, were you there during the last housing bust which began in the winter of '06-'07?
by 22twain
Mon Apr 06, 2015 12:16 pm
Forum: Personal Consumer Issues
Topic: The train from Oslo to Copenhagen? Copenhagen ideas?
Replies: 25
Views: 1614

Re: The train from Oslo to Copenhagen? Copenhagen ideas?

There seems to be only two trains per day between Halden, Norway and Goteborg, Sweden which doesn't seem right to me. Could Google be missing something??? The German Rail trip planner at http://bahn.de/ shows six departures tomorrow from Oslo S to Göteborg Central: four direct trains via Halden, an...
by 22twain
Mon Apr 06, 2015 12:21 am
Forum: Personal Consumer Issues
Topic: website hosting
Replies: 9
Views: 1127

Re: website hosting

I suggest that you at least have your domain name (veena9111.com or whatever) registered in your own name and that you make sure you have the password to access your account with the domain registrar online. Then if you have a problem with your web site developer (dies, goes out of business, or gets...
by 22twain
Sun Mar 29, 2015 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Recurring utility bills - How do you pay?
Replies: 43
Views: 3162

Re: Recurring utility bills - How do you pay?

Our utility bills (elec+water, gas, and phone+internet) are paid automatically each month by automatic debit from our joint checking account. We set them up nearly 27 years ago when we moved into this house, before online bill-pay existed. How were those internet speeds in 1988? :wink: At that time...
by 22twain
Sat Mar 28, 2015 1:17 am
Forum: Personal Finance (Not Investing)
Topic: Recurring utility bills - How do you pay?
Replies: 43
Views: 3162

Re: Recurring utility bills - How do you pay?

Our utility bills (elec+water, gas, and phone+internet) are paid automatically each month by automatic debit from our joint checking account. We set them up nearly 27 years ago when we moved into this house, before online bill-pay existed.
by 22twain
Mon Mar 23, 2015 10:55 pm
Forum: Personal Consumer Issues
Topic: How Do You Watch Television?
Replies: 81
Views: 6314

Re: How Do You Watch Television?

I am very impressed by the 16 percent who don't use cable, satellite, or streaming. I don't know how that can work. Do these folks spend a lot of time reading? My wife and I still both work, so we can't watch TV during the day. During supper and afterwards we usually watch a local and a national ne...
by 22twain
Sun Mar 22, 2015 3:09 pm
Forum: Personal Consumer Issues
Topic: How Do You Watch Television?
Replies: 81
Views: 6314

Re: How Do You Watch Television?

OTA TV is all digital nowadays, except for a small number of low-power stations which will have to convert by sometime this year, I think. TiVo records the digital data stream as received, with no degradation. Cable and satellite providers often compress the signal that they receive from OTA broadca...
by 22twain
Fri Mar 20, 2015 11:35 pm
Forum: Personal Consumer Issues
Topic: Hearse as daily driver?
Replies: 58
Views: 4294

Re: Hearse as daily driver?

123 wrote:Would be a great vehicle to use as a camper. You'd have all the room in the back to stretch out, relax, and sleep at night.


I bet thieves would be less likely to bother you, too! :D
by 22twain
Wed Mar 18, 2015 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Estimating LTCG/dividend taxes in early retirement
Replies: 8
Views: 794

Re: Estimating LTCG/dividend taxes in early retirement

Right, remember the ~$75k boundary applies only to the capital gains, not to the total proceeds from selling your mutual funds. Return of your original capital is not taxable, whether at the 15% rate or the 0% rate. That's because you've presumably already paid income tax on the money that you used ...
by 22twain
Tue Mar 17, 2015 10:25 pm
Forum: Personal Consumer Issues
Topic: What's a good digital antenna?
Replies: 28
Views: 2269

Re: What's a good digital antenna?

Trev H wrote:Many of them are in 1080p, some in 720


Broadcast HD channels are always 1080i (not 1080p) or 720p. SD subchannels are 480i.
by 22twain
Sun Mar 15, 2015 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Income Fund vs 3-fund portfolio
Replies: 12
Views: 1712

Re: Target Retirement Income Fund vs 3-fund portfolio

I think the name "income" just indicates it is the last in the series - the lowest percentage of stocks, the greatest percentage of bonds - the allocation that is most likely to give steady income from the bond dividends. I think in general, "income" in a mutual fund name indica...
by 22twain
Wed Mar 11, 2015 10:33 pm
Forum: Personal Consumer Issues
Topic: Best Classical Music Box Sets?
Replies: 31
Views: 2521

Re: Best Classical Music Box Sets?

Like RCA Living Stereo, Mercury Living Presence was well known in its day (1950s-60s) for sound quality, and had high-quality artists, although perhaps not as prestigious overall as RCA. I've gotten a lot of enjoyment out of the two MLP box sets that have appeared so far (about 50 CDs each). A third...
by 22twain
Sun Mar 08, 2015 12:41 am
Forum: Personal Consumer Issues
Topic: How to store/archive old photos?
Replies: 29
Views: 2843

Re: How do you store your photos?

Several replies imply that folks are scanning prints. That's like making a photocopy of a photocopy. Take the negatives and slides to a scanning service - my local Costco did a fantastic job on my many hundreds of negatives and slides from the pre-digital era. I really get excellent copies of photo...
by 22twain
Thu Feb 26, 2015 1:13 am
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 173
Views: 14256

Re: How much did you have saved up for retirement at age 30?

I started my first retirement account at age 30. At this point I had been college teaching for one year after finishing graduate school, and became eligible for my first employer's TIAA-CREF plan. So at age 30 I didn't have anything saved up specifically for retirement, although I did have a couple ...
by 22twain
Sun Feb 22, 2015 1:35 am
Forum: Investing - Help with Personal Investments
Topic: TIAA-CREF annuities.
Replies: 30
Views: 1766

Re: TIAA-CREF annuities.

There's no reason to keep money in the annuity funds if you prefer the mutual funds. And if you have the mutual funds available to you in your employer's retirement plan. I don't. My employer's plan includes only the retirement annuities: TIAA Traditional and Real Estate; CREF Stock, Bond Market, E...
by 22twain
Sat Feb 21, 2015 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Expense Ratio Regarding my Vanguard Prime Money Market Fund
Replies: 12
Views: 1251

Re: Expense Ratio Regarding my Vanguard Prime Money Market F

Vanguard is probably waiving the expense ratio for your money market fund, i.e. not actually reducing your balance because of it. Still, I wouldn't keep a significant amount of money in there long-term instead of investing it or putting it in a CD or savings account that actually pays interest. The ...
by 22twain
Sat Feb 21, 2015 2:27 am
Forum: Personal Consumer Issues
Topic: Do you watch commercials?
Replies: 42
Views: 2279

Re: Do you watch commercials?

Ron Ronnerson wrote:I DVR everything and skip the commercials too.


So do we, except that we're suckers for cats and cows, so if we see those, we skip back to watch (Chick-Fil-A, Fancy Feast, etc.). 8-)
by 22twain
Fri Feb 20, 2015 12:36 am
Forum: Personal Consumer Issues
Topic: Update: Scanning 35 mm slides and film
Replies: 13
Views: 1896

Re: Update: Scanning 35 mm slides and film

You might investigate Ed Hamrick's VueScan software and see if it's compatible with your scanner: http://www.hamrick.com/ I've used it for over ten years with my Nikon film scanner and three different flatbed scanners. One advantage for me is that it provides the same interface for all scanners that...
by 22twain
Thu Feb 19, 2015 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Upgrading from VG investor to admiral shares
Replies: 9
Views: 791

Re: Upgrading from VG investor to admiral shares

If those funds have ETF versions, buy those instead. Their ERs are the same as the Admiral shares. Schwab's brokerage commissions are surely less than their fee for buying the "normal" funds.
by 22twain
Wed Feb 18, 2015 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: What is "Money market settlement fund" on Sign-Up screen?
Replies: 17
Views: 1467

Re: What is "Money market settlement fund" on Sign-Up screen

yes, I guess it is like that. But then the fund won't be available immediately, right? maybe one has to wait to the next day to use that money to buy ETF or stock? Correct. When you sell a (non-ETF) mutual fund, the sale doesn't actually take place until the end of the current trading day. If you s...
by 22twain
Fri Feb 13, 2015 10:46 am
Forum: Investing - Help with Personal Investments
Topic: New to Index Funds
Replies: 12
Views: 1069

Re: New to Index Funds

It would help if you could tell us something about your overall situation, and at least a ballpark figure for how much money is involved. It makes a difference whether you're a young person with a few thousand extra dollars in a checking account, or an older person, maybe near retirement, with a few...
by 22twain
Wed Feb 11, 2015 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Any alternative ways of creating income? Life insuran maybe?
Replies: 26
Views: 2664

Re: Any alternative ways of creating income? Life insuran ma

DG99999 wrote:Nisiprius - we have to get you a ¢ sign . . . [Windows instructions]


nisiprius wrote:I tried it. It didn't work. Probably because I have a Mac.


Under Mac OS (US keyboard layout) it's option-4 (a.k.a. alt-4): ¢
by 22twain
Sun Feb 08, 2015 12:57 am
Forum: Personal Consumer Issues
Topic: Cheap web hosting
Replies: 15
Views: 1093

Re: Cheap web hosting

Do you have a domain name (or two) for your sites already? In case you don't know this already, domain name service is separate from / in addition to web hosting service, although most web-hosting providers can handle both for you. I recently had to move my personal site (about 200 hand-coded pages,...
by 22twain
Thu Feb 05, 2015 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: When they say 10%.... [all to retirement accounts?]
Replies: 20
Views: 2745

Re: When they say 10%.... [all to retirement accounts?]

your lump of savings may very well be better put to use reducing certain debts, if you have them. If you have a loan with an interest rate of x%, then paying off that loan immediately is like investing that money with a guaranteed return of x%. The drawback is that you can't "withdraw" th...
by 22twain
Wed Feb 04, 2015 3:36 pm
Forum: Personal Consumer Issues
Topic: Mom, Don't Throw It Out!
Replies: 22
Views: 3625

Re: Mom, Don't Throw It Out!

I was joking about this with our postal person, and she advised, as a further joke "just use a three cent stamp, the machine won't care". Those old three-centers came out before the advent of phosphor-tagged stamps, and stamp-cancelling machines that detected them in order to orient the e...
by 22twain
Wed Feb 04, 2015 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Very Basic Question about AUM
Replies: 6
Views: 577

Re: Very Basic Question about AUM

A more interesting question (and the answer varies by adviser) is when the fees are reduced for higher amounts of assets, does the lower percentage apply to the entire portfolio, or just the amount over the threshold. For example, if an adviser charges 1.5% up to $1 Million, 1% up to $2 Million, an...
by 22twain
Sun Feb 01, 2015 12:33 am
Forum: Personal Consumer Issues
Topic: What age did you become financially independent of parents?
Replies: 68
Views: 5058

Re: What age did you become financially independent of paren

My parents paid for my tuition, room and board while I was in college in the early 1970s. When I started grad school at 21, I supported myself with an assistantship (first teaching, later research). From that point on, I was financially independent except for a few gifts. For example, when my parent...
by 22twain
Wed Jan 28, 2015 2:10 am
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 117
Views: 5597

Re: What age did you move out?

I put down 22 because that's when I graduated from college (undergraduate), where my parents paid for my tuition and dormitory fees etc., and started graduate school, where I paid for my own apartment out of my stipend. When I was in college, it was close enough that I spent about every second weeke...
by 22twain
Wed Jan 28, 2015 1:49 am
Forum: Investing - Theory, News & General
Topic: What mutual fund companies do you use?
Replies: 63
Views: 3601

Re: What mutual fund companies do you use?

I did not invest at all outside my 403(b) plan until four years ago. At that time, I put some money that I had inherited into T. Rowe Price mutual funds, mainly because my father had used TRP for many years, going back to around 1970 when I was still in high school. I've since moved all that money i...
by 22twain
Wed Jan 14, 2015 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Milevsky's got me thinking immediate annuity????
Replies: 28
Views: 2582

Re: Milevsky's got me thinking immediate annuity????

SocSec plus pension plus those pesky RMDs (coming once you turn 70) covers the $5K spending. I wouldn't lump RMDs together with SS and pension. RMDs aren't really income; they're just a forced transfer of assets that you already have, from pre-tax to post-tax status. The IRS doesn't care whether yo...
by 22twain
Wed Jan 07, 2015 9:39 am
Forum: Investing - Theory, News & General
Topic: Can someone explain ETF vs Index?
Replies: 16
Views: 1141

Re: Can someone explain ETF vs Index?

The difference in share prices is mostly irrelevant. If you have the same dollar value in the two versions of the fund, you hold the same amount of underlying assets, simply divided up differently. VTI could do a 2:1 split in which case you would have twice as many shares at half the price per share...

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