Search found 833 matches

by 22twain
Sun May 22, 2016 8:38 pm
Forum: Personal Consumer Issues
Topic: Local TV channels - via streaming?
Replies: 29
Views: 1669

Re: Local TV channels - via streaming?

It's like impossible to watch any TV at all without a DVR because of the commercials. That's the problem with an antenna or even streaming. Maybe a Tivo can do DVR-like things but they seem complicated to set up. My TiVo does both over-the-air (antenna) TV and cable TV, although I use it only for o...
by 22twain
Fri May 20, 2016 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Help me build a Three-Fund Portfolio with my TIAA-CREF investment menu
Replies: 6
Views: 595

Re: Help me build a Three-Fund Portfolio with my TIAA-CREF investment menu

You only need 2 funds with TiaaCref because Cref Stock is an all-in-one stock portfolio that includes US, developed markets, and emerging market stocks, large, mid, and small cap. Just to add a bit more info, CREF Stock is about 70% domestic, 30% international. I've been accumulating it for more th...
by 22twain
Thu May 19, 2016 12:03 am
Forum: Investing - Help with Personal Investments
Topic: When to sell?
Replies: 86
Views: 4088

Re: When to sell?

I hated getting a statement and seeing $400 dollar drops at a pop which maybe just goes with the territory of investing. Just wait until you get close to retirement. I have a fairly conservative portfolio with about 50% in stocks (index funds), and the daily ups and downs are often bigger than my m...
by 22twain
Wed May 18, 2016 3:11 pm
Forum: Personal Consumer Issues
Topic: Side hustle: blog/podcasting
Replies: 12
Views: 1496

Re: Side hustle: blog/podcasting

I figured there ought to be plenty of information about this on line, so I went to Google and started typing a search phrase. When I got as far as "how to st", Google obligingly put "how to start a blog" as the first suggestion for completing it. 8-) That probably says something ...
by 22twain
Sun May 15, 2016 1:53 am
Forum: Personal Consumer Issues
Topic: 30 minute commute?
Replies: 80
Views: 6868

Re: 30 minute commute?

My commute is 15-20 minutes each way, depending on how fast I walk and the precise route I take. At the other extreme, one of my wife's departmental colleagues for many years lived in another town, about 1:20 away. In my department, one year we had someone who probably took 1:40 to 2:00. I never got...
by 22twain
Sun May 15, 2016 12:46 am
Forum: Personal Consumer Issues
Topic: When do you use cash, when a credit card?
Replies: 49
Views: 3995

Re: When do you use cash, when a credit card?

I generally pay with cash when a transaction is less than about $15, and with a credit card above that. An exception is gasoline, for which I always use a credit card. My wife uses a debit card for groceries, a credit card for an occasional "large" purchase, cash for everything else. Neith...
by 22twain
Fri May 13, 2016 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Won the game - time to quit playing?
Replies: 46
Views: 7599

Re: Won the game - time to quit playing?

David Jay wrote:If you truly have "won the game" but you wish to leave a legacy (family or charitable) then some inflation hedge is appropriate.


Or just start giving it away while you're still alive, and let the recipients deal with inflation. :wink:
by 22twain
Wed May 11, 2016 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Social Security numbers right ?
Replies: 20
Views: 3146

Re: Social Security numbers right ?

and then that balance multiplied by .32 or a net of $3.20 per month. Or if you're beyond the second bend point, multiply by .15 for a net of $1.50 per month. I suspect a majority of people on this forum are beyond the second bend point, or will be, when they have 35 years of earnings. I am, and my ...
by 22twain
Wed May 11, 2016 10:14 am
Forum: Personal Consumer Issues
Topic: One Week "Sabbatical"
Replies: 43
Views: 4324

Re: Did someone say beer?

daveatca wrote:Asheville, NC

Ah, you beat me to it!

Or go further west towards the tip of NC. Rafting in the Nantahala Gorge, etc.
by 22twain
Sun May 08, 2016 10:22 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving to SC or TX
Replies: 31
Views: 3246

Re: Thinking of moving to SC or TX

What about the Greenville SC area? We live within an hour's drive from Greenville and visit there regularly. In fact we were there today for a symphony concert. I also visit Charlotte a few times a year, so I'm somewhat acquainted with it. I'd definitely take a look at Greenville. It's nowhere near...
by 22twain
Sat May 07, 2016 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Should I be worried about dividends in my 403b?
Replies: 4
Views: 350

Re: Should I be worried about dividends in my 403b?

Who is your 403(b) provider and which fund is it? Maybe someone else here has direct experience with them. Do you get statements (monthly, quarterly, whenever)? It may be that the fund doesn't pay out dividends and then reinvests them to give you more shares. Instead, dividends from the stocks held ...
by 22twain
Wed May 04, 2016 9:57 am
Forum: Investing - Theory, News & General
Topic: How many funds in your portfolio?
Replies: 99
Views: 6410

Re: How many funds in your portfolio?

Five. In tax-deferred 403(b): TIAA Traditional CREF Stock In taxable: Vanguard Total Stock ETF Vanguard Total International Stock ETF Vanguard Total Bond ETF I know bonds in taxable isn't tax-efficient. This summer I'll probably re-allocate some of the CREF stock to either TIAA Traditional or CREF B...
by 22twain
Tue May 03, 2016 9:01 am
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 154
Views: 15552

Re: Stanley Kubrick's 2001 a space odyssey

Some people would gladly spend that time listening to the music even without the space station, but the visuals did add a lot. '2001' was one of the things that got me started on classical music. When I saw it in the theater the first time, I sat through the entire closing credits just to listen to...
by 22twain
Sun May 01, 2016 9:59 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads TRAVEL?
Replies: 62
Views: 6267

Re: How to Bogleheads TRAVEL?

We're both in academia (small-college professors) so we have the flexibility to take 2-3 week trips during the summer. We're not into resorts or cruises or package tours. We take cross-country car trips, usually organized around visiting friends or relatives, or going to college reunions, or profess...
by 22twain
Fri Apr 29, 2016 10:31 am
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 154
Views: 15552

Re: Stanley Kubrick's 2001 a space odyssey

The main innovation that I don't remember (not even in William Gibson's Neuromance of 1984) is the mobile phone. The original Star Trek had communicators. But we've already gone past them by now. In the 23rd century, they're still using those crummy flip phones? :shock: What they needed to do was t...
by 22twain
Thu Apr 28, 2016 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Should a 60 yr old buy her first house?
Replies: 27
Views: 2632

Re: Should a 60 yr old buy her first house?

Is a condo a possibility, rather than a house? That would remove some of the maintenance worries, at the cost of a monthly fee of course.
by 22twain
Wed Apr 27, 2016 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Is changing career paths to make less money ever a smart move?
Replies: 26
Views: 2268

Re: Is changing career paths to make less money ever a smart move?

How does the cost of living in the new location compare to your current location?
by 22twain
Wed Apr 27, 2016 9:21 am
Forum: Personal Consumer Issues
Topic: Moths. not burglars, activate lights
Replies: 18
Views: 1437

Re: Moths. not burglars, activate lights

This thread made me think of an old Far Side cartoon, at the top center of this page.
by 22twain
Tue Apr 26, 2016 1:44 pm
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 154
Views: 15552

Re: Stanley Kubrick's 2001 a space odyssey

Valuethinker wrote:The main innovation that I don't remember (not even in William Gibson's Neuromance of 1984) is the mobile phone.


The original Star Trek had communicators. But we've already gone past them by now. In the 23rd century, they're still using those crummy flip phones? :shock:
by 22twain
Tue Apr 26, 2016 10:25 am
Forum: Investing - Theory, News & General
Topic: Social Security loopholes closed
Replies: 19
Views: 2746

Re: Social Security loopholes closed

I would not call them loopholes. They merely changed the law to generate less payments to retirees. If I remember correctly something that I read a few months ago, the ability to claim spousal benefits while deferring one's own to let it grow was actually an unintended consequence of changes in the...
by 22twain
Mon Apr 25, 2016 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Missed Payment Impact on Credit Score
Replies: 12
Views: 1157

Re: Missed Payment Impact on Credit Score

With a credit card, does the late-payment clock start ticking on the billing date or at the end of the grace period? In my case described above, I finally made payment a few days after the following billing date, maybe 35 days after the original billing date, but only about 10 days after the end of ...
by 22twain
Mon Apr 25, 2016 10:10 am
Forum: Investing - Theory, News & General
Topic: is now a good time to buy - opinions
Replies: 12
Views: 1322

Re: is now a good time to buy - opinions

when is a good time of day to buy mutual funds? Do you have to get order in before markets close at 4pm est if you want it to exe ute that day? With a normal mutual fund, the NAV is set after the day's close, and that's the price you get for any orders made since the previous close. As far as I und...
by 22twain
Mon Apr 25, 2016 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Missed Payment Impact on Credit Score
Replies: 12
Views: 1157

Re: Missed Payment Impact on Credit Score

Last December, I forgot to pay one of our credit cards, and ended up paying after the end of the next cycle in January, including interest and penalty. I think I may have done something similar once, many years ago, otherwise our record is clean. Just yesterday I happened to notice that our SunTrust...
by 22twain
Sun Apr 24, 2016 11:52 pm
Forum: Personal Consumer Issues
Topic: How many "subscriptions" do you have?
Replies: 50
Views: 3743

Re: How many "subscriptions" do you have?

Sheepdog wrote:Symphony season tickets


Aha, I forgot about our symphony season tickets. In fact, I've got a renewal notice for next year, on my desk. $450 for six concerts for two people.
by 22twain
Sun Apr 24, 2016 10:39 pm
Forum: Personal Consumer Issues
Topic: How many "subscriptions" do you have?
Replies: 50
Views: 3743

Re: How many "subscriptions" do you have?

AT&T landline & internet: $75/mo Consumer Cellular: $35/mo OnStar for one of our two cars: $39/mo Yahoo Mail: $20/yr Usenet newsgroup provider: $43/yr Web hosting & domain name registration: $70/yr We have an old fashioned TV antenna on the roof, and we paid a lifetime fee for TiVo servi...
by 22twain
Thu Apr 21, 2016 9:31 am
Forum: Investing - Theory, News & General
Topic: Hong Kong Property Bubble Imploding...
Replies: 19
Views: 3882

Re: Hong Kong Property Bubble Imploding...

Rob5TCP wrote:it doubles or triples the number of units that go for 5-10 million or more.


I wonder how many more Russian millionaires still need someplace to sink their cash? :wink:
by 22twain
Wed Apr 20, 2016 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: How Did You File Your Income Taxes for 2015?
Replies: 101
Views: 4780

Re: How Did You File Your Income Taxes for 2015?

For the past five years, I've used TurboTax online, both federal and state. This started after I invested an inheritance at T. Rowe Price and became eligible for a discount because of that. This year, Federal premier was free, with state about $40-45 extra. Before that, for about 25 years, I did it ...
by 22twain
Wed Apr 20, 2016 8:25 pm
Forum: Personal Consumer Issues
Topic: Driving from Sarasota to NH.
Replies: 6
Views: 574

Re: Driving from Sarasota to NH.

Beware of the speed traps on 301. At least the one in Waldo apparently no longer exists. The City Council disbanded the town's police department in 2014 after a wave of bad publicity. I drove through there many times from about 1985-2005 but somehow always managed to slow down promptly enough to es...
by 22twain
Wed Apr 20, 2016 11:11 am
Forum: Investing - Theory, News & General
Topic: Should you follow the 4% rule?
Replies: 23
Views: 2933

Re: Should you follow the 4% rule?

Here's a recent thread on current withdrawal rates:

viewtopic.php?f=2&t=189012
by 22twain
Wed Apr 20, 2016 8:56 am
Forum: Investing - Theory, News & General
Topic: Early Retirement and Social Security Benefits Reduction
Replies: 29
Views: 3675

Re: Early Retirement and Social Security Benefits Reduction

The IRS quote does not apply to you, if you start collecting SS at your "normal retirement age" (67). It describes the reduction of SS benefits if you start collecting before age 67, from the amount that you would receive at age 67. Stopping your earnings early (along with the associated S...
by 22twain
Tue Apr 19, 2016 8:33 am
Forum: Personal Consumer Issues
Topic: turntable for playing old records
Replies: 9
Views: 722

Re: turntable for playing old records

What existing system do you have, that it would connect to? I have what I suppose most audiophiles would call a "decent entry-level system" with an NAD receiver and PSB speakers. Last year I bought a Pro-Ject Debut Carbon turntable (since then superseded by a new model) for around $400, fo...
by 22twain
Tue Apr 12, 2016 1:07 pm
Forum: Investing - Theory, News & General
Topic: What is the max SS income you could receive this year?
Replies: 12
Views: 1806

Re: What is the max SS income you could receive this year?

Tamales wrote:So the "marriage bonus" for social security is 44%!


At least as long as both partners are still alive. When one dies, his/her SS disappears, assuming their benefits were equal. This brings the survivor's benefit down to 72% of the single maximum-earner case.
by 22twain
Tue Apr 12, 2016 9:20 am
Forum: Investing - Theory, News & General
Topic: What is the max SS income you could receive this year?
Replies: 12
Views: 1806

Re: What is the max SS income you could receive this year?

Not that it's intended to cover living expenses for that person, but I wonder how far you have to cut back from earning 100% of the ss annual max (assuming living expenses scale back) before ss income might actually cover living expenses. It's easier if both members of a couple work, because of the...
by 22twain
Sun Apr 10, 2016 9:17 pm
Forum: Personal Consumer Issues
Topic: Small, creative and daily ways to save money
Replies: 12
Views: 1967

Re: Small, creative and daily ways to save money

Marry a thrift shop queen. :wink:
by 22twain
Fri Apr 08, 2016 1:01 pm
Forum: Personal Consumer Issues
Topic: Possible Move to Manhattan....
Replies: 20
Views: 1706

Re: Possible Move to Manhattan....

My idea of the most miserable existence (outside of a prison or some miserable place on the planet without water, etc.) would be somewhere in the rural Southern US - without diversity, arts or culture, surrounded by Baptist churches and Walmarts....so you know, it takes all kinds to love this world...
by 22twain
Thu Apr 07, 2016 5:32 pm
Forum: Investing - Theory, News & General
Topic: Retirement
Replies: 32
Views: 3076

Re: Retirement

I think this is common in the creative fields. An admittedly extreme example is composer Elliott Carter, who finished his last work just a few months before he died at age 103. He published 20 compositions after the age of 100, and 40 between ages 90 and 100.
by 22twain
Wed Apr 06, 2016 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Price matching to Amazon
Replies: 24
Views: 2182

Re: Price matching to Amazon

My nearest Walmart is only a 15 minutes drive. I'll have to see if I can try that trick next time I'm there. Let's see... Western Digital My Book 4TB external hard disk is $129 at Amazon. IIRC that's what it cost at Walmart when I looked at one a couple of weeks ago. Maybe something else... (And Ama...
by 22twain
Tue Apr 05, 2016 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Why did my expected S. S. Benefits Only Increase a Dollar
Replies: 11
Views: 1372

Re: Why did my expected S. S. Benefits Only Increase a Dollar

I have over 40 years paying into SD As others have noted, your benefit is based on the highest 35 years of SS earnings, after indexing for overall national earnings growth. What probably happened is that either your latest year's earnings were not high enough to bump one of the previous "top 3...
by 22twain
Mon Apr 04, 2016 8:15 am
Forum: Personal Finance (Not Investing)
Topic: How to start non profit pet rescue
Replies: 15
Views: 1179

Re: How to start non profit pet rescue

Also, working with an existing rescue center for a few years will give you useful hands-on experience and contacts to draw on if you still decide to open your own, eventually.
by 22twain
Mon Apr 04, 2016 8:09 am
Forum: Personal Finance (Not Investing)
Topic: 50/ can I cross the finish line?
Replies: 51
Views: 6925

Re: 50/ can I cross the finish line?

Using the numbers you've given so far, I plugged the following into Firecalc to get you started: "Start Here" tab: Spending: 90000 Portfolio: 1900000 Years: 45 (i.e. until age 95) "Other Income/Spending" tab: Your Social Security: 30000 starting in 2034 (age 68) "Not Retired...
by 22twain
Mon Apr 04, 2016 6:07 am
Forum: Personal Finance (Not Investing)
Topic: 50/ can I cross the finish line?
Replies: 51
Views: 6925

Re: 50/ can I cross the finish line?

I agree, you'll probably do OK. Get estimates of your (and your wife's) Social Security benefits, taking into account that you won't be working until normal retirement age, and play with Firecalc (http://www.firecalc.com/) a bit, using different spending rates and different starting dates for SS.
by 22twain
Sat Apr 02, 2016 12:18 am
Forum: Investing - Help with Personal Investments
Topic: Advice for my parents (retired, risk adverse)
Replies: 11
Views: 912

Re: Advice for my parents (retired, risk adverse)

How does the money they will/would get from selling the properties compare to their annual spending rate minus the pension? 10x, 20x, 50x? Unless there are known health issues, your mother at least is likely to be around for a while. My mother lived to age 94. My mother-in-law made it to 99, with th...
by 22twain
Thu Mar 31, 2016 2:24 pm
Forum: Personal Consumer Issues
Topic: Black formal shoes with sneaker like support
Replies: 56
Views: 4844

Re: Black formal shoes with sneaker like support

protagonist wrote:If I am invited to dinner at the White House, at least I will give the Obamas something to laugh about.


In the Bush era, some people got away with flip-flops. 8-)

Image
by 22twain
Tue Mar 29, 2016 8:30 am
Forum: Investing - Help with Personal Investments
Topic: 3 fund, 4 fund, 28 fund portfolio???
Replies: 28
Views: 1933

Re: 3 fund, 4 fund, 28 fund portfolio???

Currently im with scottrade (7$/trade). If I try to deposit a $500/month I still have to buy 3 shares ($21 if a 3 fund portfolio). If I were making manual deposits once a month, with trading costs like that, I would compare the current allocation for each fund to my target allocation, and put all t...
by 22twain
Mon Mar 28, 2016 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: What is your current Cash to Investment ratio?
Replies: 112
Views: 6257

Re: What is your current Cash to Investment ratio?

Right now I have about 2% of my total in checking accounts. My total is large because I'm close to retirement, so that 2% covers about ten months of expenses.
by 22twain
Mon Mar 28, 2016 9:12 am
Forum: Investing - Theory, News & General
Topic: Why do classic portfolios need to be adjusted in 2016?
Replies: 22
Views: 2273

Re: Why do classic portfolios need to be adjusted in 2016?

alpenglow wrote:It's tough to sell a new edition of a book with the same old information. :twisted:


:thumbsup
by 22twain
Sun Mar 27, 2016 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Your first $100k
Replies: 52
Views: 8181

Re: Your first $100k

I didn't start retirement savings until age 30, after finishing graduate school and starting my first real job, so I didn't reach $100K (in today's dollars) until age 41. Adding my wife's savings pushes it forward about three years. The next $100K (my money only) took only another three years, becau...
by 22twain
Fri Mar 25, 2016 1:24 pm
Forum: Investing - Theory, News & General
Topic: Article in the Economist about Lake Wobegon
Replies: 6
Views: 1499

Re: Article in the Economist about Lake Wobegone

Nice soundbite from the article: When markets are rising, clients may not notice the impact of fees, protecting asset managers’ profits. But last year most markets were flat or lower. [...] Paul Smith of the CFA Institute, an association of investment advisers, says, “Now the tide has gone out and t...
by 22twain
Tue Mar 22, 2016 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Selling a fraction of an ETF share
Replies: 11
Views: 849

Re: Selling a fraction of an ETF share

I have fractional shares from when dividends reinvest. When you sell all your shares the fraction will sell also. That's the way it happened with me in my T Rowe Price brokerage account, but it didn't happen all at once. I had something like 251.43 shares (made-up number) of something. I put in a s...
by 22twain
Mon Mar 21, 2016 2:41 am
Forum: Investing - Theory, News & General
Topic: How have your homes as investments done?
Replies: 154
Views: 11201

Re: How have your homes as investments done?

We bought our house for $70K in 1988. It probably could have sold for at least $80K easily, but the owner liked us and didn't want the hassle of dealing with an agent and several visitors; she sold it privately and we heard about it by word of mouth. Lately, other houses in the neighborhood have bee...

Go to advanced search