Search found 1023 matches

by 22twain
Tue Apr 18, 2017 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Unwinding all positions and buy back after French Elections
Replies: 13
Views: 876

Re: Unwinding all positions and buy back after French Elections

Even if I lived and invested in France, I wouldn't make any changes just because of the elections there. I'm in the US and I didn't make any changes because of the US election last fall. I admit to feeling some tiny twitches when I saw that stock futures were waaaay down around midnight on election ...
by 22twain
Tue Apr 18, 2017 10:05 am
Forum: Investing - Theory, News & General
Topic: What is the max SS income you could receive this year?
Replies: 38
Views: 4189

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

The FRA went up this year ...for someone who turns 62 this year, versus someone who turned 62 last year,... so there are fewer months to collect DRCs. This decreases the difference between benefits at FRA and at age 70. I may not understand how that works, but for a person reaching FRA this year, a...
by 22twain
Sun Apr 16, 2017 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Why would anyone want to buy bond funds?
Replies: 92
Views: 8808

Re: Why would anyone want to buy bond funds?

foodstamp wrote:why anyone would want to purchase bond funds at this point in time?

Type "why bonds" into the forum search box at the top of this page. It seems like we have a thread like this every week.
by 22twain
Sun Apr 16, 2017 7:38 am
Forum: Investing - Theory, News & General
Topic: Is there any reason a buy-and-hold investor would buy gold?
Replies: 121
Views: 6036

Re: Is there any reason a buy-and-hold investor would buy gold?

Charlie Munger, Warren Buffett's better half in the partnership said it best: "I think gold is a great thing to sew into your garments if you're a Jewish family in Vienna in 1939, [...]" Some of those refugees used rare postage stamps instead, because they were lighter and less conspicuou...
by 22twain
Thu Apr 13, 2017 1:15 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage: Husband died, now what?
Replies: 13
Views: 3911

Re: Mortgage: Husband died, now what?

It would help a lot if you could tell us which state you're in. A Google search on "Register of Wills" suggests it might be Pennsylvania or Maryland. Then people who know something about the laws in that state can chime in.
by 22twain
Wed Apr 12, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: See advice for traveling to NYC on a regular basis
Replies: 14
Views: 1098

Re: See advice for traveling to NYC on a regular basis

(car? plane? or train?) If I lived near an Amtrak station (Niagara Falls, Buffalo, Rochester, Syracuse, Utica and maybe some places in between), I'd take the train. Arriving at Penn Station is probably more convenient than driving in and paying for parking, or flying in and getting to Manhattan fro...
by 22twain
Tue Apr 11, 2017 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: mutual fund vs etf
Replies: 7
Views: 475

Re: mutual fund vs etf

jayhawkerbeef wrote:Topic is often debated on this site. Can search the forum in the upper right.


There's also an article in this site's Wiki:

Main page --> ETFs and mutual funds --> ETFs vs mutual funds
by 22twain
Sat Apr 01, 2017 9:54 am
Forum: Investing - Theory, News & General
Topic: educate me on spending/cost in retirement
Replies: 27
Views: 2143

Re: educate me on spending/cost in retirement

Different people can have very different tax situations in retirement. One person might get all his money via withdrawals from a 401k, which are taxed at rates for ordinary income. Another might get it from a taxable account via qualified dividends which are taxed at a reduced rate, and from selling...
by 22twain
Sun Mar 26, 2017 9:33 pm
Forum: Investing - Theory, News & General
Topic: Christine Benz's Three Bucket System
Replies: 77
Views: 7511

Re: Christine Benz's Three Bucket System

I'm now retired, several years away from taking Social Security at 70. My only external (non-portfolio) income in the meantime is a bit of deferred compensation for the next few years. I don't use anything like Benz's bucket scheme, only a small cash bucket for convenience, so that I need to make st...
by 22twain
Thu Mar 23, 2017 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: How did you do your income taxes?
Replies: 96
Views: 4309

Re: How did you do your income taxes?

I use TurboTax Premier, because I get a discount through my account at T. Rowe Price. Total cost for federal + state was about $50 this year.
by 22twain
Wed Mar 22, 2017 9:27 am
Forum: Investing - Theory, News & General
Topic: Very basic undertanding of taxable and tax-advantaged accounts
Replies: 12
Views: 761

Re: Very basic undertanding of taxable and tax-advantaged accounts

Oops, NYC_Guy beat me to it. Anyway... 1) The ROTH contribution limits ($6500) are lifted if I roll over all or part of my 401k to it, once retired? The contribution limit is still $6500. Contributions and rollovers are different things. Contributions are money that does not come from an IRA, 401k, ...
by 22twain
Sun Mar 19, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: At 66, how much is continued earned income helping my Social Security?
Replies: 13
Views: 1699

Re: At 66, how much is continued earned income helping my Social Security?

was disappointed to hear last year that the FICA income limit was going from $118,500 to $127,200. [OT comment removed by admin LadyGeek] We had a long thread about this a couple of weeks ago: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=212384 Bottom line: the increase was larger than ...
by 22twain
Sat Mar 18, 2017 9:41 am
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 224
Views: 18754

Re: How Bad was 2008, really?

I live in a small town out in the boonies. While driving to a "big city" about an hour away, I pass through a commercial strip on the outskirts of a somewhat larger town along the way. On one such trip in spring 2009, I thought, "wow, this place looks like a ghost town." At least...
by 22twain
Sat Mar 18, 2017 1:20 am
Forum: Personal Consumer Issues
Topic: Driving Savannah to New Orleans
Replies: 17
Views: 1000

Re: Driving Savannah to New Orleans

I've enjoyed (twice) the ferry across the mouth of Mobile Bay, from Fort Morgan to Dauphin Island. If you combine that with driving along Florida's Gulf coast, you should probably figure on two days from St. Augustine to New Orleans, with an overnight in the Pensacola area.
by 22twain
Mon Mar 13, 2017 10:09 pm
Forum: Personal Consumer Issues
Topic: Utility Bills - How do ours compare?
Replies: 44
Views: 3595

Re: Utility Bills - How do ours compare?

Small town in SC Approx 2000 sq ft, 2 people Monthly averages for 2016: Electricity $127 (includes kitchen appliances, water heater, and A/C in summer) Gas $63 (includes dryer, and heat in winter) Water $22 Sewer $53 Trash $13 Total $278 Winter high was $371 in February (more heat) Summer high was $...
by 22twain
Sun Mar 12, 2017 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: CREF variable annuity in 403(b) -- any reason to pay the high expense ratio?
Replies: 37
Views: 2339

Re: CREF variable annuity in 403(b) -- any reason to pay the high expense ratio?

Before rolling the money into an IRA, also consider if there are any benefits to keeping it in an employer plan, like being able to do a backdoor Roth. You might also want to look into any differences in legal protection against creditors or lawsuits, for money inside a 403(b) versus a rollover IRA...
by 22twain
Sat Mar 11, 2017 5:50 pm
Forum: Investing - Theory, News & General
Topic: Anyone sorry they used bonds when starting out
Replies: 94
Views: 6999

Re: Anyone sorry they used bonds when starting out

When I started my TIAA-CREF 403(b) accounts at my first teaching job 32 years ago, I set my contributions to 50% CREF Stock and 50% TIAA Traditional. Minor correction: this was actually more like 33-34 years ago. More important, it was in the early 1980s, after a long period of stock-market stagnat...
by 22twain
Sat Mar 11, 2017 11:49 am
Forum: Investing - Theory, News & General
Topic: Anyone sorry they used bonds when starting out
Replies: 94
Views: 6999

Re: Anyone sorry they used bonds when starting out

When I started my TIAA-CREF 403(b) accounts at my first teaching job 32 years ago, I set my contributions to 50% CREF Stock and 50% TIAA Traditional. They remained that way until I retired last December. Around 1999 I started to think, maybe I ought to change it to 75% CREF Stock. Then the dot-com b...
by 22twain
Sat Mar 11, 2017 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs. Schwab vs. T. Rowe Price vs. Fidelity
Replies: 24
Views: 2399

Re: Vanguard vs. Schwab vs. T. Rowe Price vs. Fidelity

As a general rule (but there are surely exceptions), it's best to hold mutual funds at the company that sells them: Vanguard funds at Vanguard, Schwab funds at Schwab, etc. Then you will not have to pay transaction fees or commissions for buying/selling shares. If you hold mutual funds of one compan...
by 22twain
Thu Mar 09, 2017 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: At what $ level should someone really start diversifiying?
Replies: 25
Views: 2183

Re: At what $ level should someone really start diversifiying?

They are generally younger people, so should they just be 100% in a total market index fund, or maybe a target date fund, rather than putting $25/month into 4 different (diversified) funds (or $33 into 3 funds)? A total market index fund is already maximally diversified, so you can't increase diver...
by 22twain
Wed Mar 08, 2017 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Should my wife stay in cash or invest in her 403b?
Replies: 8
Views: 727

Re: Should my wife stay in cash or invest in her 403b?

As far as the variable annuities are concerned (which I assume includes things like CREF Stock, CREF Bond Market, CREF Equity Index, etc.) don't be put off by the term "annuity". During accumulation, these are similar to normal mutual funds, except that dividends or interest are automatica...
by 22twain
Tue Mar 07, 2017 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Using turbo tax online
Replies: 20
Views: 837

Re: Using turbo tax online

Advice: TT online states I owe $12k, after importing a bunch of 1099s directly from Vanguard Fidelity and merrill Edge. Do I trust the program? Pay $1k to a cpa I trust (to find out it was right and I owe $12k)? Or is there a way to check the import? I suppose you've found it by now? IIRC on the sc...
by 22twain
Tue Mar 07, 2017 9:28 am
Forum: Personal Finance (Not Investing)
Topic: How long does car lasts and for how long should I build a CD ladder
Replies: 25
Views: 1858

Re: How long does car lasts and for how long should I build a CD ladder

How long your car might last depends on (besides the build quality of the car itself): 1. Climate: sunny South versus snowy North with salt on the roads in the winter. 2. The mix of driving you do: steady-speed highway trips versus short stop-and-go urban trips. (Wear and tear is highest when the ca...
by 22twain
Sun Mar 05, 2017 1:01 am
Forum: Personal Consumer Issues
Topic: Where do you order checks from?
Replies: 57
Views: 3526

Re: Where do you order checks from?

My bank merged with another bank six years ago. I'm still using a box of checks with the old name on them. No problems (yet). Apparently the routing number is still valid. At my current rate of check-writing, they'll run out about six years from now.
by 22twain
Sat Mar 04, 2017 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Possibly Financially Independent and Feeling Miserable
Replies: 153
Views: 16221

Re: Possibly Financially Independent and Feeling Miserable

Do you have any hobbies? You might want to have something that interests you - travel, sports, music, etc. To be brutally honest, I don't really have any. The focus has always been on money and saving it. Sure, we travel a bit and buy a few discretionary things here and there, but I most definitely...
by 22twain
Thu Mar 02, 2017 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Where do we reasonably go from here?
Replies: 11
Views: 1741

Re: Where do we reasonably go from here?

SOCIAL SECURITY: • We have a yearly statements from 2010 that they used to send out that shows us each getting ~2.5K monthly if we start withdrawing at age 67 Unless it explicitly says otherwise, that estimate probably assumes you (both) will keep working (and paying into SS) until age 67. Stopping...
by 22twain
Wed Mar 01, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Taxes going up for some in 2017
Replies: 46
Views: 5178

Re: Social Security Taxes going up for some in 2017

Look at it this way: high earners got a break the previous year when the cap wasn't raised because of the restriction. The cap would have ended up at this year's level anyway, with or without the previous year's break. Unless of course there hadn't been any COLA increase this year also.
by 22twain
Tue Feb 28, 2017 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Retirement may be closer than planned - 401K advice, overall portfolio review
Replies: 23
Views: 3369

Re: Retirement may be closer than planned - 401K advice, overall portfolio review

FionaH wrote:Current expenses are ~$4600/month.

Does this include payments on the mortgage and pool loan, and how much are those?
by 22twain
Sat Feb 25, 2017 9:12 pm
Forum: Investing - Theory, News & General
Topic: How should people factor Social Security into their "magic number" with early retirement?
Replies: 76
Views: 6033

Re: How should people factor Social Security into their "magic number" with early retirement?

But the bottom line is that in your mid 30's you have a good 30 years or more to go before SS. Nobody knows what it will look like or if it will even be around (not a political comment so please don't close the thread - just a statement of life on planet earth). For that matter, you don't know now ...
by 22twain
Sat Feb 25, 2017 12:18 am
Forum: Investing - Help with Personal Investments
Topic: Early Soc Sec or spend down investments/assets?
Replies: 28
Views: 2733

Re: Early Soc Sec or spend down investments/assets?

Dunno the spend -- don't hate on me - but I guess I had better quickly figure out a budget for 4% of that balance? First find out what your total spending was, for last year. If everything goes through checking account(s), this should be easy: balance at beginning of year plus all deposits minus an...
by 22twain
Wed Feb 22, 2017 2:11 am
Forum: Personal Finance (Not Investing)
Topic: Best way to get rid of lot of land?
Replies: 26
Views: 4244

Re: Best way to get rid of lot of land?

KALS wrote:
dm200 wrote:Visit the lot. Scout out the neighbors. Act like you are (or will be) doing something there that might not make the neighbor(s) or the neighborhood happy. Then, they might offer to buy you out.


Goats or chickens.


Pigs!
by 22twain
Tue Feb 21, 2017 1:37 am
Forum: Personal Finance (Not Investing)
Topic: What are the big things to get right?
Replies: 91
Views: 12170

Re: What are the big things to get right?

Argh... once again I hit "Quote" intstead of "Edit", and I can't delete posts in this forum. :oops:
by 22twain
Tue Feb 21, 2017 1:35 am
Forum: Personal Finance (Not Investing)
Topic: What are the big things to get right?
Replies: 91
Views: 12170

Re: What are the big things to get right?

22twain wrote:
gkaplan wrote:My motto is, "Don't sweat the small stuff."

But make sure it stays small stuff... don't let it add up to turn into big stuff.
by 22twain
Tue Feb 21, 2017 1:34 am
Forum: Personal Finance (Not Investing)
Topic: What are the big things to get right?
Replies: 91
Views: 12170

Re: What are the big things to get right?

gkaplan wrote:My motto is, "Don't sweat the small stuff."

And don't let the small stuff add up to turn into big stuff.
by 22twain
Sun Feb 19, 2017 6:57 am
Forum: Personal Finance (Not Investing)
Topic: What is my real taxable salary?
Replies: 12
Views: 1562

Re: What is my real taxable salary?

WinnFlak wrote:Age 52
[...]
If I contribute the max ($12,500) for 2017 to my Simple IRA


You're over 50, so your max may be $15,500 due to "catch-up contributions". Does your plan allow them?
by 22twain
Fri Feb 17, 2017 6:24 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Calculator - COLA Adjustment
Replies: 13
Views: 1307

Re: Social Security Calculator - COLA Adjustment

Epsilon Delta wrote:I don't think they have the actual NAWI value for 2016 yet.

Correct. They'll announce it in mid October, I think. It's at the same time or close to the announcement of next year's COLA.
by 22twain
Thu Feb 16, 2017 7:19 pm
Forum: Personal Consumer Issues
Topic: I want to ditch the cable company's modem
Replies: 51
Views: 3631

Re: I want to ditch the cable company's modem

Are you implying that using two cable modems (one in each room) is not an option? No. I was simply suggesting a second option. Compare the cost of a second cable modem with an ethernet switch ($10 for a 100mbps switch) and a pair of powerline adapters (about $40). Now that I think of it, your cable...
by 22twain
Thu Feb 16, 2017 1:02 am
Forum: Personal Consumer Issues
Topic: I want to ditch the cable company's modem
Replies: 51
Views: 3631

Re: I want to ditch the cable company's modem

the modem is installed in my living room and connected to a WIFI router and most of my devices connect to the internet using the WIFI wireless router. So far so good, no issues. Here is my question... I want to connect a computer in another room (a spare bedroom/office) using a wired connection wit...
by 22twain
Sun Feb 12, 2017 11:21 pm
Forum: Personal Consumer Issues
Topic: Travel Tips: Grand Canyon and South or Central America
Replies: 9
Views: 668

Re: Travel Tips: Grand Canyon and South or Central America

Trelin946 wrote:DH and I are planning to visit Grand Canyon in late April-- is it better to go from Phoenix or Arizona?


Uh... Phoenix is in Arizona, or at least it was the last time I was there in 2010. :confused
by 22twain
Sun Feb 12, 2017 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Health Care Premium and Costs During Retirement (65+)
Replies: 20
Views: 1303

Re: Health Care Premium and Costs During Retirement (65+)

Prior to Obamacare my wife and I paid together paid about $600/yr on the private market. After Obamacare we paid about $1000 without any subsidy Are those really per year and not per month? A couple of years ago I investigated Obamacare plans in case I decided (or was forced) to quit work before be...
by 22twain
Thu Feb 09, 2017 6:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 317
Views: 16591

Re: Your USER NAME...what does it mean?

In the movie "Murder by Death," the eccentric millionaire Lionel Twain lives at 22 Lola Lane.

Image

I also happen to be a railroad buff.
by 22twain
Thu Feb 09, 2017 2:24 am
Forum: Personal Consumer Issues
Topic: OP UPDATE:Getting Rid of Google Search Result??
Replies: 29
Views: 4120

Re: Getting Rid of Google Search Result??

You could change your name to a really common one like "John Smith." :wink:
by 22twain
Sun Feb 05, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: Cord cut strategy for young family
Replies: 67
Views: 6576

Re: Cord cut strategy for young family

Stupid question: I obviously need to connect the antenna itself to the back of the tv somehow right? It's not going to transmit without that right? Right. There is surely an antenna jack on the back of your TV, assuming it was sold as a "TV". Otherwise it has to be sold as a "monitor...
by 22twain
Sun Feb 05, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: Cord cut strategy for young family
Replies: 67
Views: 6576

Re: Cord cut strategy for young family

I will attempt antenna but problem is our house is concrete. Is it worth even trying? I put our zip code in and we are 18 miles from many towers. ( we are 30 miles from manhattan). If you have a window facing in the general direction of the towers, definitely try it. Start with a simple loop plus r...
by 22twain
Sat Feb 04, 2017 4:33 pm
Forum: Personal Consumer Issues
Topic: Cord cut strategy for young family
Replies: 67
Views: 6576

Re: Cord cut strategy for young family

and the British on NBC I was about to correct you on this because I use OTA TV only and the last time I saw the Open was in 2009 (I think). After that, it moved from ABC to ESPN. Then I did a Google search to make sure, and whaddaya know, NBC took it over starting last summer. Beats me how I missed...
by 22twain
Sat Feb 04, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: Cord cut strategy for young family
Replies: 67
Views: 6576

Re: Cord cut strategy for young family

rob65 wrote:and the British on NBC


I was about to correct you on this because I use OTA TV only and the last time I saw the Open was in 2009 (I think). After that, it moved from ABC to ESPN. Then I did a Google search to make sure, and whaddaya know, NBC has it starting this summer. Cheers! :beer
by 22twain
Thu Feb 02, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: Spring break trip ideas, mid-March, family of 5 (3 teen/tweens)
Replies: 23
Views: 2169

Re: Spring break trip ideas, mid-March, family of 5 (3 teen/tweens)

Would Miami (with a side trip to a spring training game) be a good idea? Is there a sweet spot somewhere between college kid partiers and Miami Beach glitterati that would work well for a family? Maybe Fort Lauderdale? I visited there regularly from the late 1970s through the mid 2000s. During the ...
by 22twain
Sat Jan 28, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: Preserving Old DVD Content
Replies: 20
Views: 2085

Re: Preserving Old DVD Content

DVD playing software should be able to play these files from the hard disk the same as from an actual DVD. I don't know what options are available for Windows, but the the DVD Player app that comes with MacOS is perfectly happy to play VIDEO_TS folders. The menus work exactly as they do on the orig...
by 22twain
Sat Jan 28, 2017 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Criteria for admittance to the 2-comma club
Replies: 79
Views: 6478

Re: Criteria for admittance to the 2-comma club

EyeYield wrote:It would be embarrassing to be at a two comma party while the market crashed and be forced to leave, comma in hand.

Or worse, be forced to eat one of your commas. :oops:
by 22twain
Mon Jan 23, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: TIAA financial advisor?
Replies: 50
Views: 3707

Re: TIAA financial advisor?

plans I had with different employers had somewhat different rules about when and how the funds could be moved. I viewed this as a potential nightmare for my family upon my demise... I can appreciate what that might look like! Fortunately, my wife and I worked at the same college for many years, it ...

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