Search found 925 matches

by 22twain
Fri Sep 23, 2016 8:34 pm
Forum: Personal Consumer Issues
Topic: OTA Antenna
Replies: 15
Views: 1308

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: 15
Views: 1308

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: 667

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: 2321

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: 736

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: 736

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: 1111

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: 580

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: 1111

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: 580

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: 3646

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: 1767

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: 3047

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: 3989

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: 3989

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: 5906

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: 1760

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: 593

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: 2228

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: 1202

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: 1244

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: 3146

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: 3327

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: 1255

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: 3674

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: 3331

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: 3585

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: 7696

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...
by 22twain
Thu Aug 18, 2016 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: What is 4 more years of work worth? (Retirement Question)
Replies: 38
Views: 3606

Re: What is 4 more years of work worth? (Retirement Question)

The only "larger" expenses that he can foresee in the future is helping with two weddings for his children and buying a second condo in Florida What about health insurance? Will they be covered by retiree health care benefits until age 65, or will they have to buy coverage on the open mar...
by 22twain
Mon Aug 15, 2016 2:07 am
Forum: Investing - Theory, News & General
Topic: "The Minority of Investors" ... Billionaires
Replies: 35
Views: 3802

Re: "The Minority of Investors" ... Billionaires

People become billionaires by owning and running a business. Gates. Zuckerberg. Ellison. Sam Walton. However, most people who own and run businesses don't become billionaires. Most startup businesses fail, right? If you get lucky early on, you can become a billionaire. Otherwise, you're more likely...
by 22twain
Mon Aug 15, 2016 1:38 am
Forum: Investing - Help with Personal Investments
Topic: what to buy when stock market is a new high?
Replies: 37
Views: 5368

Re: what to buy when stock market is a new high?

wlht wrote:Still have about 150k in my Vanguard account


How does that compare in size to the rest of your portfolio (the part not covered by the "still")? If it's a lot smaller, then it doesn't make a lot of difference what you do with it.
by 22twain
Sat Aug 13, 2016 10:15 pm
Forum: Personal Consumer Issues
Topic: Are you on Facebook?
Replies: 144
Views: 8286

Re: Are you on Facebook?

I finally broke down and set up a Facebook account about a month ago. Some hobby-related organizations that I like to keep track of, now tend to put their news on Facebook pages instead of their web sites, probably because it's easier to do than managing a web site, even a WordPress-based one. I use...
by 22twain
Sat Aug 13, 2016 5:33 pm
Forum: Personal Consumer Issues
Topic: Do you wash your car yourself, or have it done?
Replies: 96
Views: 5821

Re: Do you wash your car yourself, or have it done?

Here in the Southeast we get significant snow maybe once every two years, and the city responds with sand, not salt. Instead, we have pine-pollen season from late March through the end of April. During that period I drive my car through an automatic car wash a few times. The rest of the year, I do i...
by 22twain
Thu Aug 11, 2016 1:15 am
Forum: Personal Finance (Not Investing)
Topic: moving to Thailand: US taxes + how to get money back to the US?
Replies: 31
Views: 2733

Re: moving to Thailand: US taxes + how to get money back to the US?

in_reality wrote:Schwab says they will take a wife in a foreign currency


Cue Henny Youngman... :wink:
by 22twain
Wed Aug 10, 2016 1:50 am
Forum: Personal Consumer Issues
Topic: Visiting Washington, DC
Replies: 23
Views: 1516

Re: Visiting Washington, DC

For getting around: besides the Metro, the DC Circulator buses are handy for tourists. One route runs basically the length of the Mall. Do a Google search to find their web site.
by 22twain
Tue Aug 09, 2016 2:04 am
Forum: Personal Consumer Issues
Topic: Solo Travel
Replies: 40
Views: 3705

Re: Solo Travel

I do solo trips regularly, focused on my hobbies, with little "normal" sightseeing or other tourist-type activities. I save those for when my wife and I travel together. In fact, I'm on such a trip right now: eight days in Portland OR, including day-trips to other towns in the region. I ma...
by 22twain
Wed Aug 03, 2016 10:03 am
Forum: Investing - Theory, News & General
Topic: Why does the stock market "always go up"? Will this persist?
Replies: 50
Views: 8852

Re: Why does the stock market "always go up"? Will this persist?

After about ten minutes of reading, I started to think, hmmm, some of this sounds familiar. Then I realized this thread is almost two years old. :annoyed
by 22twain
Mon Aug 01, 2016 11:56 pm
Forum: Investing - Help with Personal Investments
Topic: RSU's vesting, looking for advice. New to Boglehead mindset!
Replies: 12
Views: 1025

Re: RSU's vesting, looking for advice. New to Boglehead mindset!

Dividends from bond funds are taxed as ordinary income.

Dividends from index stock funds are generally "qualified dividends" which are taxed like long term capital gains, at lower rates than ordinary income.
by 22twain
Sat Jul 30, 2016 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Another can we retire...
Replies: 51
Views: 5630

Re: Another can we retire...

Ameriprise had net earnings of $1,562,000,000 on net revenues of $12,170,000,000 in 2015. That amounts to earnings per share of $8.48 or which $2.59 was paid as a cash dividend. So should Ameriprise clients invest a good chunk of their portfolios in Ameriprise stock, so as to get some of their fees...
by 22twain
Sat Jul 30, 2016 12:05 am
Forum: Personal Consumer Issues
Topic: Never owned a cell phone.
Replies: 41
Views: 2013

Re: Never owned a cell phone.

[ADDED] Consumer Cellular is highly regarded. They have a text-and-data plan for $2.50/month which allows 300 text messages. The service is provided over AT&T and T-Mobile networks. It seems suitable for what I'm looking for, but the monthly cost seems too cheap and I wonder if I'm missing some...
by 22twain
Fri Jul 29, 2016 11:12 pm
Forum: Personal Consumer Issues
Topic: Breathe Right nasal strips: more economical alternative?
Replies: 16
Views: 1436

Re: Breathe Right nasal strips: more economical alternative?

I used Breathe Right strips for several years, then I became allergic or something to them, and to the generic CVS version at least. I tried a couple of intranasal appliances, and found that the SleepRight breathe aids work well for me. https://www.amazon.com/Intra-Nasal-Breathe-Aid-45-Day-Supply/dp...
by 22twain
Thu Jul 28, 2016 12:18 am
Forum: Investing - Theory, News & General
Topic: Dividend stocks or real estate rental
Replies: 51
Views: 2713

Re: Dividend stocks or real estate rental

TonyDAntonio wrote:You will be selling stocks that are going down in value.


If stocks are down, I'd most probably be selling from bond funds. Unless we have a real stock-n-bond-pocalypse which makes both of them drop significantly...
by 22twain
Wed Jul 27, 2016 11:56 pm
Forum: Investing - Theory, News & General
Topic: Dividend stocks or real estate rental
Replies: 51
Views: 2713

Re: Dividend stocks or real estate rental

Would you rather invest $500,000 in T and VZ and 'make' $2000 per month (paid quarterly) in dividends or would you rather buy a house and rent it out for $2000 Neither. I would invest it in a suitable combination of a total stock market index fund, a total international stock market index fund, and...
by 22twain
Wed Jul 27, 2016 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Housing for newlyweds
Replies: 18
Views: 1700

Re: Housing for newlyweds

How likely is it that you'll have to (or want to) take a job that is not within commuting range of where you are now? Most people don't consider buying a house until they're reasonably confident that they're going to stay in that area for several years at least.
by 22twain
Thu Jul 21, 2016 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 193
Views: 16816

Re: How many folks choose to give inheritance to their children in unequal portions?

Also consider that it's impossible to predict the future. The "responsible child" who doesn't appear to need the money now may become disabled, or otherwise lose his job and not be able to find a new one despite his best efforts and therefore be forced to retire early. The "irresponsi...
by 22twain
Thu Jul 21, 2016 10:15 am
Forum: Investing - Help with Personal Investments
Topic: getting married/divorced- affects on portfolios, IRAs etc?
Replies: 16
Views: 1371

Re: getting married/divorced- affects on portfolios, IRAs etc?

Suppose 'Bob' works and contributes to an IRA at work. IRA at work? Are you talking retirement plans at work like SIMPLE IRA or SEP IRA or Individual IRA? a standard IRA with an employer match etc. Not a simple or SEP. That sounds more a 401(k) or 403(b) plan. To me (and I suspect to most people he...
by 22twain
Wed Jul 20, 2016 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Help With Picking Job Title at Startup
Replies: 36
Views: 2533

Re: Help With Picking Job Title at Startup

Grand Pooh-Bah. :P
by 22twain
Wed Jul 20, 2016 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Feeling discouraged
Replies: 60
Views: 6087

Re: Feeling discouraged

EhMerman wrote:how to make my partner's cat not hate me with the passion of a thousand suns.

Maybe you could try this book and report back on the results: 97 Ways to Make a Cat Like You (I just saw it in a bookstore the other day.)
by 22twain
Wed Jul 20, 2016 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Adopt my Girlfriend???
Replies: 38
Views: 6715

Re: Adopt my Girlfriend???

PapaGeek wrote:According to my Citigroup pension, she is my OGDP! Opposite gender domestic partner!


So that's the new term for POSSLQ? 8-)
by 22twain
Wed Jul 20, 2016 6:19 am
Forum: Investing - Help with Personal Investments
Topic: Immediate annuities and my retirement plan
Replies: 48
Views: 4292

Re: Immediate annuities and my retirement plan

1. will 11 years of paying SS result in any SS payout? does one need to pay SS taxes for a minimum amount of time if one is to expect a SS payout? You need 40 quarters (ten years) of SS contributions. 2. how do I calculate how much SS (if any) I could expect to collect at age 70? The best way is to...

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