Search found 947 matches

by 22twain
Thu Dec 08, 2016 7:04 am
Forum: Investing - Help with Personal Investments
Topic: Schwab retirement quote on 4 mil. Advice??? Can I do better?
Replies: 28
Views: 3898

Re: Schwab retirement quote on 4 mil. Advice??? Can I do better?

Est. Rate of return- 5.1% In one conversation the Schwab person quoted .7% as their annual management "fee". Assuming for the sake of argument that the 5.1% return is correct (it's at least a plausible long-run figure), that fee would be about 14% of your returns. How happy would you be i...
by 22twain
Wed Dec 07, 2016 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: Academia female professional seeking your suggestion
Replies: 40
Views: 6212

Re: Academia female professional seeking your suggestion

Three months have passed and there was no increase overall in my account except that the FSTVX was 3% up while the other two are both 2-3% down. So there seem to be the same balance as before. Three months is really too short to observe any long-term trends in the market. Here are my daily totals s...
by 22twain
Tue Dec 06, 2016 9:07 pm
Forum: Personal Consumer Issues
Topic: Eclipse viewing
Replies: 34
Views: 1646

Re: Eclipse viewing

People who are thinking of traveling to the eclipse zone need to figure out what they're going to do about lodging, if they haven't yet. I read somewhere a few months ago (maybe even in another thread here) that most or all of the hotels along the I-26 corridor in South Carolina are already booked up!
by 22twain
Mon Dec 05, 2016 3:43 am
Forum: Personal Consumer Issues
Topic: Smartphone for a low techie
Replies: 18
Views: 1434

Re: Smartphone for a low techie

Apple doesn't sell the iPhone 5s any more, but you can get good deals on new ones from third-party sellers. For example, Consumer Cellular has the 5s for $160, plus monthly usage fees (no contract). The biggest potential "gotcha" is that the 5s is now three years old, which means it may be...
by 22twain
Wed Nov 30, 2016 11:59 pm
Forum: Personal Consumer Issues
Topic: another New York rental question
Replies: 39
Views: 2280

Re: another New York rental question

Sometime during the past year I read an article in New Yorker magazine about buildings that have been converted into something sort of like suite-type college dormitories, but not as Spartan. Each person (or couple) gets a private bedroom and (I think) bathroom, but everyone on a floor shares a livi...
by 22twain
Mon Nov 28, 2016 10:56 am
Forum: Investing - Help with Personal Investments
Topic: $ 4 mil. after bs. sale. Redeploy & Portfolio advice?
Replies: 29
Views: 2796

Re: $ 4 mil. after bs. sale. Redeploy & Portfolio advice?

the idea is to do nothing because the 8-10 year market cycle will "self correct?" and have higher peaks over time. Is this correct??? :confused Rather counter-intuitively, it turns out that shifting investments between asset classes (e.g. between stocks and bonds, or stocks in different i...
by 22twain
Tue Nov 22, 2016 4:34 pm
Forum: Personal Consumer Issues
Topic: Bowling alley in the basement
Replies: 30
Views: 2790

Re: Bowling alley in the basement

Over $100K for a decent one: http://www.fusionbowling.com/pricing/ Unless you're going to use it really often, you could probably save a bit of money by dispensing with the machinery and hiring a kid (yours or someone else's) to set the pins and roll the ball back. Or just have the players take tur...
by 22twain
Sat Nov 19, 2016 12:15 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 219
Views: 24629

Re: Roll Call for the Retirement Class of 2016!

I've taken the liberty of updating Victoria's list of 01 Aug, based on posts made since then. I also added two entries and removed one based on posts in the 2017 thread. New or updated entries are in green . Congratulations to the new members of the Class of 2016! If there are any more additions or ...
by 22twain
Fri Nov 11, 2016 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Help for former check to check and drowning in debt 30 yr old!
Replies: 15
Views: 1853

Re: Help for former check to check and drowning in debt 30 yr old!

Mutual funds are funds that hold a collection of stocks. The cheapest mutual funds (generally) are called index funds. They hold many stocks. Advisors are people who charge you for advice. You don't need one. They may sell you mutual funds, or they may try to sell you something else. To make it mor...
by 22twain
Tue Nov 08, 2016 11:09 pm
Forum: Personal Consumer Issues
Topic: Which state to move for milder weather
Replies: 104
Views: 9919

Re: Which state to move for milder weather

Anyway, how much difference is there in summertime heat/humidity and wintertime cold/snow between the Hendersonville/Greenville area and the coast near Wilmington? Hendersonville is more like Asheville than Greenville. There's about a 1200' drop in elevation going from H'ville to G'ville. The TV st...
by 22twain
Sat Nov 05, 2016 1:55 am
Forum: Personal Consumer Issues
Topic: Visiting San Francisco
Replies: 21
Views: 1394

Re: Visiting San Francisco

Muir Woods is one of my favorite places to visit when I'm in SF. You would need uber, lyft or car to visit. It appears that is true this time of year. However, during the summer tourist season it is possible to visit Muir Woods via public transportation: http://www.marintransit.org/routes/66.html W...
by 22twain
Sat Oct 29, 2016 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: 65 and 63 year old - retirement question (non-investment)
Replies: 21
Views: 2262

Re: 65 and 63 year old - retirement question (non-investment)

$8K (Him starting January 3, 2017 when he turns 66. This is the Social Security spousal benefit only - he is delaying until 70) I'm sorry to inform you the rules for filing for SS spousal benefits changed last year. A "restricted application" for spousal SS while delaying one's own SS is ...
by 22twain
Sat Oct 29, 2016 3:24 am
Forum: Personal Finance (Not Investing)
Topic: retirement readiness = residual living expenses + funding the gap?
Replies: 56
Views: 6250

Re: retirement readiness = residual living expenses + funding the gap?

Suppose that one wants to, instead of calculating "The Number" needed to fund a given level of retirement spending, calculate what spending can be safely done for a given portfolio given that SS will be kicking in in N years. You can use Firecalc for this. On the "Start Here" ta...
by 22twain
Thu Oct 27, 2016 2:30 am
Forum: Personal Consumer Issues
Topic: Family Calendar
Replies: 19
Views: 1316

Re: Family Calendar

soboggled wrote:How we do it:
1. Buy a big calendar.
2. Hang it in the kitchen.
3. Write stuff in it.


+1
by 22twain
Wed Oct 26, 2016 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Spent too much?
Replies: 35
Views: 6958

Re: Spent too much?

If you turn things around now and start saving, you have plenty of time to catch up for retirement. I didn't start saving seriously until after I finished my Ph.D., started my first "real" job, and became eligible for a 401k-like retirement plan at the ripe old age of 30. At that time I ha...
by 22twain
Sun Oct 23, 2016 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: I think it's final approach
Replies: 21
Views: 3566

Re: I think it's final approach

I read his $3500 per month as grand total for everything: $2446 + $505 + ($550 to $650).
by 22twain
Tue Oct 18, 2016 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA traditional: annuity vs. RMD
Replies: 7
Views: 849

Re: TIAA traditional: annuity vs. RMD

This also meets IRS RMD requirements. The amount ("principal") that is annuitized is not subject to the RMD requirement, because it's not part of your account balance after the annuity income stream begins. If you annuitize part of your account, then the remaining balance is subject to th...
by 22twain
Thu Oct 13, 2016 8:29 am
Forum: Investing - Theory, News & General
Topic: Retirees: Where are you going for income?
Replies: 102
Views: 14265

Re: Retirees: Where are you going for income?

If you are retired, don't you need some income to live on? I understand you can sell appreciated securities to generate income, but what do you do in a sustained down market? That's what my bonds (funds) and other fixed-income stuff are for. If my stocks (funds) are above my target allocation to th...
by 22twain
Mon Oct 03, 2016 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: 4 year graduation rate
Replies: 16
Views: 1891

Re: 4 year graduation rate

At the college where I work, it's common for athletes to stick around for a fifth year of eligibility.
by 22twain
Sat Oct 01, 2016 7:16 am
Forum: Local Chapters and Bogleheads Community
Topic: How Did You Become A Boglehead? What Led You Here?
Replies: 119
Views: 7827

Re: How Did You Become A Boglehead? What Led You Here?

When I inherited some money from my mother several years ago, I invested it in T. Rowe Price mutual funds because my father had been with TRP, and I saw they had a reputation for low-ish expenses. This was enough money to give me a free Morningstar subscription as a perk, so I started reading the Mo...
by 22twain
Thu Sep 29, 2016 4:05 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 219
Views: 24629

Re: Roll Call for the Retirement Class of 2016!

Retiring at the end of this year, shortly before my 63rd birthday. Last day at work is Dec. 16. This is the beginning of our normal Christmas / New Year holiday break, so I won't actually feel like I'm retired until Jan. 2. :wink:
by 22twain
Thu Sep 29, 2016 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement based on not on #, but healthcare?
Replies: 62
Views: 4392

Re: Retirement based on not on #, but healthcare?

Our large academic employer has a very good retiree health insurance plans for those retiring in the next <relatively large number> years. We need to get Medicare at that time. (Prior to that, we only needed to sign up for Medicare A when reaching 65.) A few years ago, they announced a lesser plan ...
by 22twain
Fri Sep 23, 2016 8:34 pm
Forum: Personal Consumer Issues
Topic: OTA Antenna
Replies: 19
Views: 2228

Re: OTA Antenna

Some broadcasters may move from the UHF frequencies to the VHF frequencies, so whatever antenna you buy now may be suboptimal in a couple years. If you start with a UHF antenna (which is what that "square array" sounds like, e.g. a Channel Master 4224 or 4228), and you need better VHF cap...
by 22twain
Fri Sep 23, 2016 9:25 am
Forum: Personal Consumer Issues
Topic: OTA Antenna
Replies: 19
Views: 2228

Re: OTA Antenna

Antenna rotator. Second link did remind me that antenna rotators are still available. Maybe add an antenna rotator to your mother's antenna and teach her to point it to the correct direction. As scanning for channels depends upon signal strength (antenna pointing direction) this too could be a prob...
by 22twain
Fri Sep 23, 2016 8:32 am
Forum: Investing - Theory, News & General
Topic: Understanding cliches we hear often for the newbie investor
Replies: 7
Views: 797

Re: Understanding cliches we hear often for the newbie investor

Johnnie wrote:"dead cat bounce" always makes me smile.

Me too... also "bunny market".
by 22twain
Sun Sep 18, 2016 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: What do people mean when they say taxable account? Confused...
Replies: 21
Views: 2493

Re: What do people mean when they say taxable account? Confused...

Unforunately, humans, unlike Vulcans (e.g. Mr. Spock) are not logical. Deal with it. :(
by 22twain
Fri Sep 16, 2016 5:57 pm
Forum: Personal Consumer Issues
Topic: How do I set up a consumer friendly and functional website?
Replies: 15
Views: 874

Re: How do I set up a consumer friendly and functional website?

Wordpress is really a blogging software, but people use it for other things as well. For instance, a blog post could be a product, and then users can add comments. It doesn't even have to be structured as a blog. WordPress also lets you create "pages" which you can link together via WP's ...
by 22twain
Fri Sep 16, 2016 4:05 pm
Forum: Personal Consumer Issues
Topic: How do I set up a consumer friendly and functional website?
Replies: 15
Views: 874

Re: How do I set up a consumer friendly and functional website?

Can anyone recommend how I set up/where do I look to set up a website to allow consumers to log in and give their opinions on certain matters? WordPress blogs have a comment feature, and you can require commenters to log in. You can create your blog on wordpress.com: https://en.support.wordpress.co...
by 22twain
Fri Sep 16, 2016 3:29 pm
Forum: Personal Consumer Issues
Topic: Where Do BHs Register Business Web Domains?
Replies: 26
Views: 1337

Re: Where Do BHs Register Business Web Domains?

an already-existing healthcare facility portal I'd better note that steps (b) and (c) in my instructions are geared towards typical "shared-server" hosting packages offered by many web-hosting providers. If your site uses a dedicated server or a VPS, I have no experience with those. The d...
by 22twain
Fri Sep 16, 2016 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover IRA to Roth IRA conversion - tax free?
Replies: 8
Views: 669

Re: Rollover IRA to Roth IRA conversion - tax free?

krick wrote:My gut feeling is that the answer is "no".

Your gut is correct. :happy
by 22twain
Fri Sep 16, 2016 1:19 pm
Forum: Personal Consumer Issues
Topic: Where Do BHs Register Business Web Domains?
Replies: 26
Views: 1337

Re: Where Do BHs Register Business Web Domains?

I have my domains at Namecheap also. No problems. do you now if the new domain may be actually used as the main URL for that already existing site? I mean, so that when people type the new name the URL name stays the same as typed instead of it changing automatically to the older URL? In order to do...
by 22twain
Fri Sep 16, 2016 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover IRA to Roth IRA conversion - tax free?
Replies: 8
Views: 669

Re: Rollover IRA to Roth IRA conversion - tax free?

If was not working and was living completely off of savings, then I would have no income, so my tax rate would be 0%. The rollover amount counts as taxable income is included in your adjusted gross income, so if you convert the whole IRA, your taxable income AGI would be $50K, plus whatever other d...
by 22twain
Tue Sep 13, 2016 9:11 am
Forum: Investing - Theory, News & General
Topic: Presidential Election Insurance, Use T-Bills?
Replies: 65
Views: 4198

Re: Presidential Election Insurance, Use T-Bills?

In recent years, my nest egg has survived the Greek crisis, Brexit, the fiscal cliff, the debt-limit chicken-game, the government shutdown, the taper tantrum, the China syndrome, and the oil bubble. And before all of those, the Great Recession, although that did take a couple of years for recovery. ...
by 22twain
Mon Sep 12, 2016 8:34 am
Forum: Personal Consumer Issues
Topic: Pushing for early retirement - where to go
Replies: 9
Views: 1858

Re: Pushing for early retirement - where to go

How much time can you take off for vacations? If you can manage a week or two, once or twice a year, over five years you can hit a lot of different places. Spend enough time in each place that you can start to get a feel for what life there is like beyond being just a tourist.
by 22twain
Mon Sep 12, 2016 12:02 am
Forum: Personal Finance (Not Investing)
Topic: retiring with a mortgage
Replies: 35
Views: 3255

Re: retiring with a mortgage

EnjoyIt wrote:We expect the purchase price to be about $250k-350k.

delamer wrote:What are their other assets?

More specifically, what percentage of their net worth would the value of the house be?
by 22twain
Fri Sep 09, 2016 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: How did your 401k fund grow from 2006 to 2016? please share. did you come out fine for 2008 crash?
Replies: 27
Views: 4171

Re: How did your 401k fund grow from 2006 to 2016? please share. did you come out fine for 2008 crash?

OP, do look at the bond ratio before you make the conclusion. One way to diversify risk is increasing bond ratio to ones personal comfortable level. the graph looks smooth due to 40-50% bonds/stable value funds. Right, the (approx) 50% exposure to stocks was a major factor. Another factor was the o...
by 22twain
Wed Sep 07, 2016 10:39 am
Forum: Investing - Help with Personal Investments
Topic: How did your 401k fund grow from 2006 to 2016? please share. did you come out fine for 2008 crash?
Replies: 27
Views: 4171

Re: How did your 401k fund grow from 2006 to 2016? please share. did you come out fine for 2008 crash?

I left the vertical scale off this graph of my TIAA 403(b) but you can eyeball relative numbers. I've always had two funds, a broad US+international stock fund (CREF Stock) and a stable-value fund (TIAA Traditional), with contributions split 50/50. Right now the total accumulation is about 58% stock...
by 22twain
Mon Sep 05, 2016 12:51 pm
Forum: Investing - Theory, News & General
Topic: Anyone else experiencing number drift
Replies: 51
Views: 6277

Re: Anyone else experiencing number drift

nisiprius wrote:It tells us that if we already have $2 million, we can relax.

Except for that guy who was talking about 1.8% in a thread I read here somewhere yesterday. :shock: )
by 22twain
Sun Sep 04, 2016 10:02 pm
Forum: Personal Consumer Issues
Topic: Trip to Germany
Replies: 22
Views: 2014

Re: Trip to Germany

Salzburg - Berchtesgaden - Innsbruck - Garmisch (take the cog train up to the top of the Zugspitze) - Munich would make a nice tour.
by 22twain
Sun Sep 04, 2016 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Consumer (cash) Rebate Program passed by Congress real or not?
Replies: 2
Views: 2586

Re: Consumer (cash) Rebate Program passed by Congress real or not?

Here's the scoop . Executive summary: It's just the same old sales tax deduction that you've been able to take in place of a state and local income tax deduction, for ten years now. The only thing that's "new" about it is that it became permanent last fall, instead of something that Congr...
by 22twain
Wed Aug 31, 2016 11:02 pm
Forum: Personal Consumer Issues
Topic: Interstate 420?
Replies: 11
Views: 2277

Re: Interstate 420?

Surely after eight years, "Interstate 420" has become out-of-date and superseded by something else? :wink:
by 22twain
Wed Aug 31, 2016 1:14 am
Forum: Personal Consumer Issues
Topic: Anyone use the Nextdoor app or other alternatives?
Replies: 15
Views: 1294

Re: Anyone use the Nextdoor app or other alternatives?

How big is a "neighborhood" for the purposes of this app/site?
by 22twain
Wed Aug 31, 2016 12:39 am
Forum: Investing - Theory, News & General
Topic: Do you follow a VWR formula?
Replies: 13
Views: 1331

Re: Do you follow a VWR formula?

The variable percentage withdrawal (VPW) method (link goes to wiki) gets a lot of discussion here, e.g. in this thread . We don't plan to use any formal method of determining withdrawal amounts, because our current spending, shortly before complete retirement, is less than 2% of our investible asset...
by 22twain
Sun Aug 28, 2016 12:04 am
Forum: Investing - Help with Personal Investments
Topic: 39 Year Old Couple - Need Advice
Replies: 14
Views: 3235

Re: 39 Year Old Couple - Need Advice

Let's say I have the $325K in the taxable account with VTSAX and VTIAX and I'm withdrawing every month, what would I expect in terms of taxes when I sell VTSAX and VTIAX every month? You pay taxes only on the capital gains. That is, you subtract the cost basis of the shares that you sell (i.e what ...
by 22twain
Fri Aug 26, 2016 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else make this mistake? [include home as retirement income]
Replies: 34
Views: 3492

Re: Anyone else make this mistake?

You may need a place to live in retirement, but if, for example, you sell a million dollar home, and you really NEEDED a place to live, you could rent at $1000/month for the next 1000 years, or at $10000/month for the next 100 years, on the proceeds. Or you could move to a LCOL town like the one we...
by 22twain
Wed Aug 24, 2016 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner Help Investing for Retirement
Replies: 20
Views: 1355

Re: Beginner Help Investing for Retirement

The Three-Fund Portfolio is definitely something I am interested in. Does a Target Retirement Fund fit into that plan? A target retirement fund basically combines the three funds into a single fund that automatically rebalances among its components, and decreases the proportion of stocks as you get...
by 22twain
Wed Aug 24, 2016 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Parents have enough for retirement?
Replies: 26
Views: 3800

Re: Parents have enough for retirement?

ensure they can report an income over 24K in order to get maximum tax credits for mom's obamacare. How did you get that figure? In my state (which has not set up its own exchange and uses healthcare.gov), the income range for two people that qualifies for cost-sharing subsidies in addition to the n...
by 22twain
Wed Aug 24, 2016 1:43 am
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 39
Views: 3580

Re: Aug. 2017 US total eclipse hotel reservations.

I live in the totality zone, so I'm not worrying about hotel reservations. :D

If the weather turns out bad, I'll have to evaluate how far I can drive, but by then of course a lot of hotels will be booked up already. Even without the eclipse, it's summer travel season.
by 22twain
Wed Aug 24, 2016 1:23 am
Forum: Personal Finance (Not Investing)
Topic: Did you use Real Estate to build wealth?
Replies: 45
Views: 3819

Re: Did you use Real Estate to build wealth?

I've benefited indirectly from real estate. My parents bought an apartment in South Florida, which my mother sold in 2005 when she moved into a retirement home. This turned out to be just before the peak of the housing market in that area. When she died a few years later, about half of the value of ...
by 22twain
Sun Aug 21, 2016 4:26 am
Forum: Personal Consumer Issues
Topic: What is your system for dealing with coins?
Replies: 123
Views: 8226

Re: What is your system for dealing with coins?

Same here. I still use cash for small purchases, and make an effort to spend the coins about as fast as they come in. I usually have up to $1.50 in coins in an oval plastic change purse in my pocket. The only "extra" coins that I keep on my dresser or in the car are a few dollars' worth of...

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