Search found 821 matches

by 22twain
Tue May 03, 2016 9:01 am
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 150
Views: 14186

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: 50
Views: 3595

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: 150
Views: 14186

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: 2496

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: 2096

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: 1302

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: 150
Views: 14186

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: 2504

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: 1025

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: 1222

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: 1025

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: 45
Views: 2733

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: 45
Views: 2733

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: 3729

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: 4034

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: 542

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: 2710

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: 3401

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: 676

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: 1767

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: 1767

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: 1903

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: 1598

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: 2956

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: 2065

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: 1340

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: 1138

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: 6735

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: 6735

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: 878

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: 4558

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: 1858

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: 5693

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: 2226

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: 7833

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: 1484

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: 831

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: 10981

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...
by 22twain
Mon Mar 21, 2016 1:31 am
Forum: Personal Consumer Issues
Topic: Web Hosting (Shared) Recommendation
Replies: 17
Views: 1023

Re: Web Hosting (Shared) Recommendation

I've been using Namecheap also for a bit over a year, after the college where I work stopped providing publically-accessible web space for personal sites. No problems so far. I don't use WordPress with them, just hand-coded HTML/CSS/PHP files, but as noted in the preceding post you can easily instal...
by 22twain
Thu Mar 17, 2016 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Physics major question
Replies: 53
Views: 4631

Re: Physics major question

20 years ago, a physics PhD had a clear path to teach, get on tenure track and have a forever career. That wasn't the case even 20 years ago. Maybe 50-60 years ago, during the 1950s-60s, when higher education in the US was expanding rapidly after WWII. Since the late 1960s, the total population of ...
by 22twain
Mon Mar 14, 2016 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: For Parents Who Have Given a Child Money For Home Down Payment
Replies: 158
Views: 10866

Re: For Parents Who Have "Lent" a Child Money For Home Down Payment

suggest you consider drawing up a simple loan agreement, with payment terms, on the off chance that something happens with the marriage. That was in fact what both sets of our parents did when we got married 25+ years ago. They each loaned us about 1/4 of the money for our house, and we financed th...
by 22twain
Sun Mar 13, 2016 11:13 pm
Forum: Personal Consumer Issues
Topic: public transp.from Denver Airport to Pepsi Cntr
Replies: 4
Views: 468

Re: public transp.from Denver Airport to Pepsi Cntr

The "University of Colorado A Line", eh? I wonder how many times the train personnel get asked, "what's the station for the University of Colorado?" (which isn't anywhere near the line :oops:)
by 22twain
Sun Mar 13, 2016 1:12 am
Forum: Personal Finance (Not Investing)
Topic: Is the benefit of paying credit card interest is just to get the item NOW instead of later?
Replies: 24
Views: 1664

Re: Is the benefit of paying credit card interest is just to get the item NOW instead of later?

Keep in mind there are a lot of people who don't make enough money to have any credit cards or even bank accounts. I live in a small town in the South (< 10,000 population). The yellow pages list three payday / auto title loan places in this town, and four in the next one over (10 minutes drive).
by 22twain
Sat Mar 12, 2016 2:15 pm
Forum: Personal Consumer Issues
Topic: Grocery budget too high? Are there threads here on this? I tried searching
Replies: 62
Views: 4909

Re: Grocery budget too high? Are there threads here on this? I tried searching

Do you have an Aldi nearby? That's my wife's main "go-to" for groceries.

But $600 per month for three people doesn't sound bad. For two people, we spend about $250 on groceries, plus about $150 for lunches out.
by 22twain
Thu Mar 10, 2016 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Do most of you plan to retire "full-time"?
Replies: 126
Views: 10559

Re: Do most of you plan to retire "full-time"?

Golfview wrote:
quantAndHold wrote:The only thing that would send me back to work is if I couldn't get health insurance another way.

Obama care! :happy


[OT comment removed - moderator prudent]
by 22twain
Wed Mar 09, 2016 12:36 am
Forum: Personal Finance (Not Investing)
Topic: A question on "dispose of interest"
Replies: 3
Views: 529

Re: A question on "dispose of interest"

There is a question on "dispose of interest", "Did you dispose of your entire interest in USO during 2015? " Where is this question being asked? My first thought is that "dispose of your entire interest in USO" means "sell all your shares in USO", but it just...
by 22twain
Wed Mar 09, 2016 12:33 am
Forum: Personal Finance (Not Investing)
Topic: Rental Properties
Replies: 19
Views: 1987

Re: Rental Properties

mdjohnson18 wrote:Just realized I spelt "principal" wrong in my last post


You can edit one of your posts by clicking on the pencil icon at the upper right corner of the post.
by 22twain
Sat Mar 05, 2016 10:29 pm
Forum: Personal Consumer Issues
Topic: Where can I take a weekend trip around Wilmington, NC?
Replies: 5
Views: 462

Re: Where can I take a weekend trip around Wilmington, NC?

If you're into classic roadside kitsch, you could visit South of the Border, about an hour and a half away. Fun financial fact: former Fed chairman Ben Bernanke grew up in nearby Dillon SC and worked at SOB during the summer while he was in high school (or maybe it was during college).
by 22twain
Tue Mar 01, 2016 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Does everyone really need to save $1 million for retirement?
Replies: 225
Views: 29024

Re: Does everyone really need to save $1 million for retirement?

The average social security income in 2015 was about $1335 per month, $16K per year. To get $30K in today's dollars would require both spouses to work about 35 years earning close to the cutoff point for maximum social security benefits for their entire career. That's not very likely for most peopl...
by 22twain
Tue Mar 01, 2016 10:22 am
Forum: Personal Consumer Issues
Topic: Free TV Signal for Occasional Use
Replies: 24
Views: 2197

Re: Free TV Signal for Occasional Use

The TV is a first generation VIZIO flat screen...about 8 years old. The first thing you should do is dig out the manual and look for references to digital channels or "ATSC tuner". As others have noted, some early HDTVs did not have built-in ATSC tuners, only NTSC tuners for analog broadc...

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