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Re: The Roosevelts, PBS special

Cut-Throat wrote:
Engineer wrote:Streaming with Chromecast---works flawlessly.

Engineer


So what app are you using to stream with Chromecast?


I have a "Smart TV" with a Web Browser and I just pulled up this series and can stream it. I would imagine that Chromecast is nothing more than a Web Browser. Correct?
by Cut-Throat
Thu Sep 18, 2014 5:12 pm
 
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 104
Views: 8688

Re: Retiree Next Door

(so much so that I've added the purchase of a small cabin in NE Mn to be my summer residence during my early retirement years). I live in Minnesota and I cannot tell you how glad I am that I Don't own a cabin anywhere! --- I know people with cabins and have visited them many times and see how much ...
by Cut-Throat
Thu Sep 18, 2014 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retiree Next Door
Replies: 26
Views: 4502

Re: How do you store your electronic account statements?

I have been "paperless "for years.I have never downloaded statements and stored them digitally from financial websites.I have found that I rarely need to look at them other than at tax time,so I just access them at the website. :happy Keep it Simple Agreed! - What do these other folks do ...
by Cut-Throat
Thu Sep 18, 2014 8:00 am
 
Forum: Personal Finance (Not Investing)
Topic: How do you store your electronic account statements?
Replies: 24
Views: 1776

Re: The Roosevelts, PBS special

Engineer wrote:Streaming with Chromecast---works flawlessly.

Engineer


So what app are you using to stream with Chromecast?
by Cut-Throat
Wed Sep 17, 2014 7:31 pm
 
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 104
Views: 8688

Re: Safe Withdrawl Rate

Am retiring 12-31-14 and will have approx.$4,385,000 in investments and a fully paid up whole life policy with $465,000 of cash value for a total of $4,850,000. My wife and I can get along very well withdrawing 3.5% a year. I won't adjust the withdraw rate for inflation every year, rather I'll appl...
by Cut-Throat
Wed Sep 17, 2014 6:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Safe Withdrawl Rate
Replies: 25
Views: 2459

Re: The Roosevelts, PBS special

Hawkeye_Saver wrote:FYI, not sure if its been mentioned but all 7 episodes can be viewed on PBS website. I'm on episode 6 right now.



Do you watch this on your Computer or do you stream it to your TV?

If streaming what App do you use?
by Cut-Throat
Wed Sep 17, 2014 6:19 pm
 
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 104
Views: 8688

Re: Left tail portfolio - 70% bonds. Good idea?

I have about 70% bonds and I'm worried.......worried that bond yields are taking forever to start rising and giving me more income. Nobody wins if bonds stay where they currently are. With all due respect these are somewhat silly financial comments. The market is going to do what it is going to do ...
by Cut-Throat
Wed Sep 17, 2014 6:18 pm
 
Forum: Investing - Theory, News & General
Topic: Left tail portfolio - 70% bonds. Good idea?
Replies: 38
Views: 3257

Re: Left tail portfolio - 70% bonds. Good idea?

bilperk wrote:I have about 70% bonds and I'm worried.......worried that bond yields are taking forever to start rising and giving me more income. Nobody wins if bonds stay where they currently are.


Ditto! - I am also 70% Bonds and I have been hoping and waiting for Interest Rates to rise for about 5 Years Now.
by Cut-Throat
Wed Sep 17, 2014 4:48 pm
 
Forum: Investing - Theory, News & General
Topic: Left tail portfolio - 70% bonds. Good idea?
Replies: 38
Views: 3257

Re: OBi110 -or- Ooma Telo for home phone service?

I have only used and know about Ooma. But I have used Ooma for over 2 years and it has been flawless. I get free long distance to U.S. and Canada and Caller ID. I ported my old land line number over to Ooma for $30 and now the only phone bill I get is for $5 a month for taxes. Right now I don't hav...
by Cut-Throat
Mon Sep 15, 2014 5:13 pm
 
Forum: Personal Consumer Issues
Topic: OBi110 -or- Ooma Telo for home phone service?
Replies: 33
Views: 1230

Re: OBi110 -or- Ooma Telo for home phone service?

I have only used and know about Ooma. But I have used Ooma for over 2 years and it has been flawless. I get free long distance to U.S. and Canada and Caller ID. I ported my old land line number over to Ooma for $30 and now the only phone bill I get is for $5 a month for taxes. I use Comcast as well....
by Cut-Throat
Mon Sep 15, 2014 4:35 pm
 
Forum: Personal Consumer Issues
Topic: OBi110 -or- Ooma Telo for home phone service?
Replies: 33
Views: 1230

Re: The Roosevelts, PBS special

Leesbro63 wrote:I recorded it. Correct me if I am wrong...I got 30 minutes of actual Roosevelt show, and 15 minutes of how great Ken Burns is and 15 more of PBS begging. Am I missing something?


Yes, you must be. I watched it last night. 2 hours of Uninterrupted Roosevelt.
by Cut-Throat
Mon Sep 15, 2014 4:33 pm
 
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 104
Views: 8688

Re: DINK 200K household income - ways to reduce taxable inco

Get Some Kids I will gladly pay the taxes I owe if this is the only other option. :D My husband and I are DINKS also, and while we have lived in HCOL areas (DC), we now live in a somewhat LCOL area. I long ago gave up on the tax deduction battle. We do the normals: mortgage, 401K's, etc. Unless the...
by Cut-Throat
Sun Sep 14, 2014 6:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: DINK 200K household income - ways to reduce taxable income?
Replies: 31
Views: 3704

Re: Feeling smug until 10 year ROR from Vanguard

My Bond Heavy Portfolio - Mostly Target Retirement 2010 - was 7.1% over the last 10 Years.
by Cut-Throat
Sat Sep 13, 2014 8:29 am
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 81
Views: 7881

Re: Any Tips on wintering in the Bahamas ?

Overnighted at the Running Mon marina for one night in Freeport ten years ago while cruising the Bahamas. We were the only boat in the marina, which was surrounded by a fence with razor wire on top. We caught a cab to dinner (can't remember where) and the cabby insisted on staying there to take us ...
by Cut-Throat
Fri Sep 12, 2014 5:56 pm
 
Forum: Personal Consumer Issues
Topic: Any Tips on wintering in the Bahamas ?
Replies: 29
Views: 3046

Re: SE tax and estimated taxes

Whenever I have a Question like this, I call the guy that does my taxes.
by Cut-Throat
Fri Sep 12, 2014 8:19 am
 
Forum: Personal Finance (Not Investing)
Topic: SE tax and estimated taxes
Replies: 6
Views: 451

Re: I need a personal scheduler

Google Calendar works perfect for me.

What don't you like about it? Or maybe you just don't understand it.
by Cut-Throat
Thu Sep 11, 2014 6:15 pm
 
Forum: Personal Consumer Issues
Topic: I need a personal scheduler
Replies: 24
Views: 1951

Re: Problem with Quicken 2014 Backups

I never use Quicken Backups. For Backups, I use Windows Copy and Paste for all of my Data Files. I have one Folder on my Data Hard Drive called "Data Files". Underneath that I have folders for Photos,and Financial Files. Quicken Files are under the Financial Folder. I merely Copy and paste...
by Cut-Throat
Thu Sep 11, 2014 8:24 am
 
Forum: Personal Consumer Issues
Topic: Problem with Quicken 2014 Backups
Replies: 5
Views: 488

Re: It appears that Ally Bank just increased their Savings R

It's like getting a 3.5% raise... sorta. Better, I would say, because we get it without payroll taxes. :happy PJW Still gotta pay income taxes. State and Federal. Sure, but those aren't payroll taxes , which means Social Security and Medicare tax. Of course, it also implies the interest won't quali...
by Cut-Throat
Wed Sep 10, 2014 7:56 pm
 
Forum: Investing - Theory, News & General
Topic: It appears that Ally Bank just increased their Savings Rate.
Replies: 11
Views: 2468

Re: It appears that Ally Bank just increased their Savings R

Phineas J. Whoopee wrote:
jstrazzere wrote:It's like getting a 3.5% raise... sorta.

Better, I would say, because we get it without payroll taxes. :happy
PJW


Still gotta pay income taxes. State and Federal.
by Cut-Throat
Wed Sep 10, 2014 6:48 pm
 
Forum: Investing - Theory, News & General
Topic: It appears that Ally Bank just increased their Savings Rate.
Replies: 11
Views: 2468

Re: Cruise Around the World

How do u manage ur bills while away from home? I have been on 6 cruises and the longest was 11 days to the Panama Canal..... That was long enough! As far as paying bills, I don't do anything. They are ALL on autopilot except for the monthly credit card bill which I transfer the payment amount once ...
by Cut-Throat
Wed Sep 10, 2014 5:44 pm
 
Forum: Personal Consumer Issues
Topic: Cruise Around the World
Replies: 14
Views: 1494

It appears that Ally Bank just increased their Savings Rate.

To .90 %. A whopping 3 hundredths of a percent.

At least it's heading in the right direction. I'll take it!
by Cut-Throat
Wed Sep 10, 2014 8:08 am
 
Forum: Investing - Theory, News & General
Topic: It appears that Ally Bank just increased their Savings Rate.
Replies: 11
Views: 2468

Re: Do I invest or pay higher mortgage downpayment?

My wife and I stockpiled money to make sure we could afford the 20% downpayment required to avoid PMI. We successfully saved enough but we saved more than needed for 20%. I assume this question has been asked before but what should we do with the extra money: do we put 30% down(fixed 4.1% for 30 ye...
by Cut-Throat
Mon Sep 08, 2014 8:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I invest or pay higher mortgage downpayment?
Replies: 55
Views: 3373

Re: Land line for renter in S Florida

Do you have Internet Access there? If you do, I would install an Ooma Machine and give them all Free Telephone, and Long distance to the U.S. and Canada. No Phone Bill at all...Just about $5 a month for federal taxes. I ported my Landline number over to Ooma and actually have much better service tha...
by Cut-Throat
Mon Sep 08, 2014 1:53 pm
 
Forum: Personal Consumer Issues
Topic: Land line for renter in S Florida
Replies: 18
Views: 1112

Re: HELOC Vent

One of my main rewards of Financial Independence was never having to deal with Banks Again.
by Cut-Throat
Sun Sep 07, 2014 8:59 am
 
Forum: Personal Finance (Not Investing)
Topic: HELOC Vent
Replies: 19
Views: 2133

Re: The four most useless things financial advisers tell you

Claim earlier than age 70 only if health issues, financial distress, or for spousal benefits optimization... Well, "financial distress " might be a little strong. I took SS the day I retired for two reasons, neither involving "distress": 1. Between it and my pension it gave me a...
by Cut-Throat
Thu Sep 04, 2014 8:14 pm
 
Forum: Investing - Theory, News & General
Topic: The four most useless things financial advisers tell you
Replies: 11
Views: 2075

Re: The four most useless things financial advisers tell you

I agree with number 2 as well, and yes, I realize that I am agreeing to take SS before age 70. The comparisons typically only look at actual dollars paid out from the SS system and ignore the fact that you are likely to have earnings against what is drawn out early. If you make a fair comparison ag...
by Cut-Throat
Thu Sep 04, 2014 7:02 pm
 
Forum: Investing - Theory, News & General
Topic: The four most useless things financial advisers tell you
Replies: 11
Views: 2075

Re: So, when does a market timer get back in?

If anyone remembers a Poster named Hocus, he has the answer. I think he has his own website.

I think he got out of the market in the Mid 80s and he is still waiting to get back in.
by Cut-Throat
Thu Sep 04, 2014 5:30 pm
 
Forum: Investing - Theory, News & General
Topic: So, when does a market timer get back in?
Replies: 54
Views: 5689

Re: Any Tips on wintering in the Bahamas ?

mptfan wrote:There is a fish in that picture? :wink:


Here is a much better picture of a Bonefish. Can you see it Now?

Image
by Cut-Throat
Thu Sep 04, 2014 5:11 pm
 
Forum: Personal Consumer Issues
Topic: Any Tips on wintering in the Bahamas ?
Replies: 29
Views: 3046

Re: The four most useless things financial advisers tell you

I agree completely with point #2. Who has that kind of money to delay to age 70? Most everyone here at Bogelheads. Hold on. The author is claiming that Wait until you’re 70 to claim Social Security benefits is one of the useless things that advisors tell you. Most Bogleheads will DISagree with that...
by Cut-Throat
Thu Sep 04, 2014 12:24 pm
 
Forum: Investing - Theory, News & General
Topic: The four most useless things financial advisers tell you
Replies: 11
Views: 2075

Re: The four most useless things financial advisers tell you

I agree completely with point #2.

Who has that kind of money to delay to age 70? Most everyone here at Bogelheads.
by Cut-Throat
Thu Sep 04, 2014 11:53 am
 
Forum: Investing - Theory, News & General
Topic: The four most useless things financial advisers tell you
Replies: 11
Views: 2075

Re: Any Tips on wintering in the Bahamas ?

I've spent a lot of time in the Bahamas out-islands since 1979, and cruised to many of them on a boat including uninhabited islands. Nassau and Freeport only when I had to... so I cannot give you much specific advice... It is expensive because of the high duties (they know it would be impossible to...
by Cut-Throat
Wed Sep 03, 2014 4:36 pm
 
Forum: Personal Consumer Issues
Topic: Any Tips on wintering in the Bahamas ?
Replies: 29
Views: 3046

Re: A Low-Return Future? Are We Prepared?

Here is one of the Best Articles I have seen on What are SWRs really based on and what the future would have to be to compromise them. This is the 'Reality Check' that the naysayers need to read. http://www.kitces.com/blog/What-Returns-Are-Safe-Withdrawal-Rates-REALLY-Based-Upon/?utm_source=feedburn...
by Cut-Throat
Wed Sep 03, 2014 8:51 am
 
Forum: Investing - Theory, News & General
Topic: A Low-Return Future? Are We Prepared?
Replies: 189
Views: 12867

Re: Variable Percentage Withdrawal (VPW)

Up until now, I've been using a SWR of 3% to forcast my number... myNumber = myYearlyExpenses / 3% I was all excited about having a new formula til I attempted to to adjust it for a 50% loss on a 50/50 stock / bond AA .75 (50% loss on 50/50 s/b AA) * .041 = .03075 right? Or, roughly 3% Seems I'm ri...
by Cut-Throat
Wed Sep 03, 2014 8:08 am
 
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 493
Views: 60202

Re: Variable Percentage Withdrawal (VPW)

I have a question about the 'Withdrawal Statistics for Every Start Year' graph that shows the inflation adjusted median and minimum withdrawal amounts. I assume the minumum withdrawal amount is the minimum withdrawal amount that occurred during the specified period beginning from the Start Year ind...
by Cut-Throat
Tue Sep 02, 2014 7:18 pm
 
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 493
Views: 60202

Re: Long Layover in Miami - Recommendations

We'll have a long layover, about 9 hours, at Miami International, on our trip to Chile. I've looked online with nothing particularly jumping out as a must do, but thought I'd inquire of the BHs for recommendations to enjoy the stop rather than just endure it. FYI, 3 adults, and the layover is from ...
by Cut-Throat
Mon Sep 01, 2014 3:43 pm
 
Forum: Personal Consumer Issues
Topic: Long Layover in Miami - Recommendations
Replies: 12
Views: 933

Re: A Low-Return Future? Are We Prepared?

Sure you're not! :confused There is no perfect withdrawal system because we don't have complete information. Each system attempts to compensate for that lack but they all fail in different ways. Choosing an appropriate failure mode is actually important because there are different ways to compensat...
by Cut-Throat
Sat Aug 30, 2014 8:51 pm
 
Forum: Investing - Theory, News & General
Topic: A Low-Return Future? Are We Prepared?
Replies: 189
Views: 12867

Re: A Low-Return Future? Are We Prepared?

Clearly_Irrational wrote:I'm not a critic, I'm just saying that it has drawbacks


Sure you're not! :confused

You know exactly what it does and doesn't do, but you've never run it and spent any time studying it.
by Cut-Throat
Sat Aug 30, 2014 8:22 pm
 
Forum: Investing - Theory, News & General
Topic: A Low-Return Future? Are We Prepared?
Replies: 189
Views: 12867

Re: A Low-Return Future? Are We Prepared?

But, But, But..... The REAL BIGGIE is that while a fixed SWR leaves its money in the market to prepare for the Big Market Drop.....it actually works against you because the money you left in the market to save you, gets Hammered in the Big Downturn. You could have spent it and had a Good time! I'm ...
by Cut-Throat
Sat Aug 30, 2014 8:18 pm
 
Forum: Investing - Theory, News & General
Topic: A Low-Return Future? Are We Prepared?
Replies: 189
Views: 12867

Re: A Low-Return Future? Are We Prepared?

Nope, you still don't get it. I see two possible advantages: 1) You're guaranteed to use up all of the money by the end of the duration, thus leaving no money unspent. In theory, if a retiree has no bequest motive he would want to run out of money exactly as he died. (assuming that intentionally go...
by Cut-Throat
Sat Aug 30, 2014 7:30 pm
 
Forum: Investing - Theory, News & General
Topic: A Low-Return Future? Are We Prepared?
Replies: 189
Views: 12867

Re: A Low-Return Future? Are We Prepared?

Clearly_Irrational wrote:
Cut-Throat wrote:I agree; You don't see it.


The advantage is that you're guaranteed to use up all of the money, the only problem for me is that I don't see that as an advantage unless you pair it with an SPIA.


Nope, you still don't get it.
by Cut-Throat
Sat Aug 30, 2014 7:00 pm
 
Forum: Investing - Theory, News & General
Topic: A Low-Return Future? Are We Prepared?
Replies: 189
Views: 12867

Re: A Low-Return Future? Are We Prepared?

This thread is rediculous. There is so much fear regarding the unknown that people are actually saving 50% in fear of some rediculous calamity. I would hope that no boglehead is saving to retire on the bare minimum. I hope the goal is to have some fun in retirent. Frequent vacations, eating healthy...
by Cut-Throat
Sat Aug 30, 2014 3:39 pm
 
Forum: Investing - Theory, News & General
Topic: A Low-Return Future? Are We Prepared?
Replies: 189
Views: 12867

Re: Safe floor and Safe Withdrawal Rate

I am retired now and starting to take money out of my IRA to live on. Have no pension. I am confused about having a "safe floor" of investment for the necessary things in retirement, and using the Safe Withdrawal Rate for money in retirement. What is a safe floor? Is it only made up of SP...
by Cut-Throat
Sat Aug 30, 2014 3:14 pm
 
Forum: Investing - Theory, News & General
Topic: Safe floor and Safe Withdrawal Rate
Replies: 19
Views: 1501

Re: A Low-Return Future? Are We Prepared?

Clearly_Irrational wrote: I don't see it as an improvement over the SWR model, in fact it seems less workable.


I agree; You don't see it.
by Cut-Throat
Sat Aug 30, 2014 2:21 pm
 
Forum: Investing - Theory, News & General
Topic: A Low-Return Future? Are We Prepared?
Replies: 189
Views: 12867

Re: A Low-Return Future? Are We Prepared?

Don't be ridiculous!...Just plug in age 105.....You aren't going to live that long. There's a very good chance to won't live to age 90. The duration you plug in has a very large effect on the withdrawal rate. Tell me something I don't know. Now if someone that was retired, actually used VPW for the...
by Cut-Throat
Sat Aug 30, 2014 1:35 pm
 
Forum: Investing - Theory, News & General
Topic: A Low-Return Future? Are We Prepared?
Replies: 189
Views: 12867

Re: A Low-Return Future? Are We Prepared?

How is that being required to know the "'Exact Date of your death" ? :confused Because if you don't guess the duration correctly you'll be out of luck. SWR modeling gives you a chance of running out of money at the end of the period, the VPW guarantees it. With a lifespan of unknown durat...
by Cut-Throat
Sat Aug 30, 2014 6:47 am
 
Forum: Investing - Theory, News & General
Topic: A Low-Return Future? Are We Prepared?
Replies: 189
Views: 12867

Re: A Low-Return Future? Are We Prepared?

MossySF wrote:Seems like an easy answer to the topic question. To plan for a low-return future, spend less -- save more.


Maybe, but the Conservative ones here imply that you should keep working and never retire, because "You never know for sure".
by Cut-Throat
Fri Aug 29, 2014 8:31 pm
 
Forum: Investing - Theory, News & General
Topic: A Low-Return Future? Are We Prepared?
Replies: 189
Views: 12867

Re: My husband's " WILL", $ left for me to live on....

lululu wrote:People have responsibilities to both. Here we see little responsibility towards the current wife and their child.


As I had Listed!.....The question is of Priorities that are in the wrong order.
by Cut-Throat
Fri Aug 29, 2014 8:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 18154

Re: Any Tips on wintering in the Bahamas ?

I think bonefish are catch&release rather than putting them on the grill with a tasty recipe. In any event, it's starting to appear the OP knows more about his question than the rest of us here do. Better to post the Q on a Bahamas forum, similar to http://www.bonairetalk.com for the island of ...
by Cut-Throat
Fri Aug 29, 2014 7:54 pm
 
Forum: Personal Consumer Issues
Topic: Any Tips on wintering in the Bahamas ?
Replies: 29
Views: 3046

Re: Any Tips on wintering in the Bahamas ?

What is bone fishing? Ted Williams was an avid and accomplished fisher. In his recent biography of Williams, Ben Bradlee Jr. writes that Williams particularly liked bone fishing, but Bradlee really does not describe just what is bone fishing. I did a Google search but could find nothing that really...
by Cut-Throat
Fri Aug 29, 2014 7:49 pm
 
Forum: Personal Consumer Issues
Topic: Any Tips on wintering in the Bahamas ?
Replies: 29
Views: 3046
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