Search found 1543 matches

by 22twain
Mon Nov 12, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: At what point does a life insurance policy not make sense?
Replies: 16
Views: 1700

Re: At what point does a life insurance policy not make sense?

While we were working, my wife and I had similar incomes, enough to cover housing and living costs, and save a generous amount. No kids. Either of us could have covered his/her living expenses if the other one died, and would have inherited the other's savings. Now we're both retired, although she s...
by 22twain
Mon Nov 12, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: How long have you had, or did you have, your HP-12C calculator?
Replies: 72
Views: 2556

Re: How long have you had, or did you have, your HP-12C calculator?

My HP-11C is at least 30 years old.... I use it regularly. Same here. I also have an app that simulates it on my iPhone, but I prefer the real thing when I'm at my desk where I keep it. I have to be more careful using the app because the touchscreen buttons are closer together and don't give any ta...
by 22twain
Sun Nov 11, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Quick Turnaround for Passport Applications (No Payment for Expedited Processing)
Replies: 18
Views: 1575

Re: Quick Turnaround for Passport Applications (No Payment for Expedited Processing)

How can I determine definitively whether my state's conventional (not enhanced) driver's license is Real ID-compliant for domestic flights? The standard method is for the drivers' license to have a gold star on it. See for example South Carolina , which rolled them out just last March. My driver's ...
by 22twain
Sun Nov 11, 2018 12:36 pm
Forum: Investing - Theory, News & General
Topic: Do you prefer etfs or mutual funds?
Replies: 52
Views: 4583

Re: Do you prefer etfs or mutual funds?

I own Vanguard's "big three" (total stock, total international and total bond) as ETFs (VTI, VXUS and BND), but that's only because I don't hold them at Vanguard. When I invested an inheritance about eight years ago, all my retirement investing for 25 years had been in my 403b plan at TIAA. This was...
by 22twain
Sat Nov 10, 2018 11:49 pm
Forum: Personal Consumer Issues
Topic: Quick Turnaround for Passport Applications (No Payment for Expedited Processing)
Replies: 18
Views: 1575

Re: Quick Turnaround for Passport Applications (No Payment for Expedited Processing)

In April I submitted my application at a small-town post office. I received the passport book 16 days later, and the passport card a few days after that.
by 22twain
Sat Nov 10, 2018 7:29 am
Forum: Investing - Help with Personal Investments
Topic: Strategy during the last stock market decline
Replies: 44
Views: 4229

Re: Strategy during the last stock market decline

I did no moving or changing of anything..I was still in the work force, so still had regular payroll contributions that were buying per my allocation at that time. Same here. My 403B contributions were always split 50/50 between a stock fund and a stable-value fund (TIAA Traditional); between that ...
by 22twain
Fri Nov 09, 2018 6:12 pm
Forum: Personal Consumer Issues
Topic: Should I reject Google drive for privacy/tracking?
Replies: 38
Views: 2902

Re: Should I reject Google drive for privacy/tracking?

If you pay Google for a G Suite account (which includes Gmail with a personal domain, Google Drive, Google Apps, etc.), they don't mine your data for advertising etc. $5 per month (plus your local sales tax).

https://support.google.com/googlecloud/ ... 6650?hl=en
by 22twain
Fri Nov 09, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating ROI for PhD
Replies: 86
Views: 4748

Re: Calculating ROI for PhD

If you are single and looking for an interesting future spouse with high earning potential, you are likely to meet another Ph.D. with these qualities in a Ph.D. program. This requires a reasonable gender ratio in your field, of course. And if you do find a suitable long-term partner, you will likel...
by 22twain
Thu Nov 08, 2018 2:15 am
Forum: Investing - Theory, News & General
Topic: Do people calculate savings rate on gross income?
Replies: 118
Views: 7252

Re: Do people calculate savings rate on gross income?

[A hardworking firefighter makers a lot more than 60k/year where I live. The good ones are pushing 300k:) As in real estate, a key factor is surely location, location, location... My father was a firefighter in a small midwestern city (population about 50-60K back then), and worked his way up to as...
by 22twain
Thu Nov 08, 2018 12:32 am
Forum: Investing - Help with Personal Investments
Topic: First time invester, help needed please
Replies: 84
Views: 3810

Re: First time invester, help needed please

stt816 wrote:
Thu Nov 08, 2018 12:02 am
Sorry I'm new to all of this, my work plan? Not sure what that is
He means your 401(k) plan. If you list the funds that it offers (names please, not just ticker symbols), and their expense ratios (ERs), people here can give advice about which ones you should use.
by 22twain
Wed Nov 07, 2018 10:53 pm
Forum: Personal Consumer Issues
Topic: Anyone here retire in two homes
Replies: 24
Views: 3021

Re: Anyone here retire in two homes

oversight of the home you aren't living in for an extended period of time. That was what led my parents to sell their house in Ohio after doing the snowbird thing for five years with an apartment they bought in Florida. At first they could arrange for a friend or relative (e.g. one of my uncles) to...
by 22twain
Wed Nov 07, 2018 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: How much money did you receive from family? (Gifts/inheritance)
Replies: 46
Views: 4351

Re: How much money did you receive from family? (Gifts/inheritance)

My parents (a frugal firefighter and school secretary in a smallish Midwestern city) paid for my stay at a small non-elite private college in the 1970s. At this time tuition and room and board were probably about half of today's costs even after adjusting for inflation. I then paid my way through gr...
by 22twain
Tue Nov 06, 2018 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Income in retirement?
Replies: 14
Views: 1912

Re: Income in retirement?

How are people investing for income? I don't invest specifically for income, i.e. dividend and/or interest checks every month or quarter. I use broadly-based index mutual funds and ETFs. I take whatever dividends they produce, and let them flow into my money-market fund. I sell some shares about on...
by 22twain
Fri Nov 02, 2018 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: My Grandmother has 80% stocks
Replies: 39
Views: 3259

Re: My Grandmother has 80% stocks

Her asset allocation is only dangerous if there is a swoon in the stock market and that leaves her without money, i.e. selling stock for living expenses. And only if she has to sell a "large" percentage of the stock to cover expenses. There are worse things than having to pay 15% capital gains tax ...
by 22twain
Mon Oct 29, 2018 10:13 pm
Forum: Investing - Theory, News & General
Topic: 401k down 8% this month
Replies: 58
Views: 6775

Re: 401k down 8% this month

I'm down only about 5% this month, but I'm retired (at nearly 65), with about 45% in stocks.
by 22twain
Mon Oct 29, 2018 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 396
Views: 36288

Re: Steak Dinner and Annuities: Retirement Product Surges After Fiduciary Rule’s Demise

GerryL wrote:
Mon Oct 29, 2018 11:39 am
Ruth's Chris Steakhouse
In our small town in the boonies, it's always the fish camp out by the Interstate exit.
by 22twain
Sun Oct 28, 2018 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Should I get vision insurance?
Replies: 39
Views: 4029

Re: Should I get vision insurance?

My wife and I always declined the vision insurance offered by the college where we worked. The benefits always seemed to be a wash for us. We both get our eyes checked by an ophthalmologist once a year, with refraction. Sometimes the prescription changes enough that we need new glasses. We've never ...
by 22twain
Sat Oct 27, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: How many miles (total) on car before buying another car ?
Replies: 114
Views: 7087

Re: How many miles (total) on car before buying another car ?

identity theft and check book fraud (assuming you leave your checkbook in glove box) We never leave a checkbook in the glove box, and have never even thought of doing that. Nor do we leave any other identifying documents there. You keep registration and insurance on your person? Yep. I'm the only o...
by 22twain
Sat Oct 27, 2018 4:51 am
Forum: Investing - Help with Personal Investments
Topic: Blue chip stocks
Replies: 5
Views: 512

Re: Blue chip stocks

For long-term hands-off investment, I would stick with broadly-diversified index mutual funds or ETFs, as opposed to individual stocks, even the "blue chips".

General Motors, General Electric and Kodak were once "blue chip" stocks. What are they doing now?
by 22twain
Sat Oct 27, 2018 4:41 am
Forum: Personal Consumer Issues
Topic: How many of you have cut the cord?
Replies: 244
Views: 27568

Re: How many of you have cut the cord?

Does anyone use those flat panel antennas that mount to your window or wall? It seems as if one day channel 10 works, then then it doesn't but 7 does, then 7 blanks and 21 works and so on. That sounds like variations in reception due to weather conditions etc. These are more likely with indoor ante...
by 22twain
Sat Oct 27, 2018 4:07 am
Forum: Personal Consumer Issues
Topic: How many miles (total) on car before buying another car ?
Replies: 114
Views: 7087

Re: How many miles (total) on car before buying another car ?

novemberrain wrote:
Fri Oct 26, 2018 10:21 pm
identity theft and check book fraud (assuming you leave your checkbook in glove box)
We never leave a checkbook in the glove box, and have never even thought of doing that. Nor do we leave any other identifying documents there.
by 22twain
Fri Oct 26, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: How many of you have cut the cord?
Replies: 244
Views: 27568

Re: How many of you have cut cord?

... A TiVo lets us record stuff in advance and skip over most commercials. ... I also have a TiVo and very much like it, but it's not free, even if you bought a lifetime subscription. Neither is a decent rooftop antenna system if you live out in the boonies like we do. :wink: The total cost of our ...
by 22twain
Fri Oct 26, 2018 6:30 am
Forum: Personal Finance (Not Investing)
Topic: Things to consider when relocating from Boston to Toronto
Replies: 28
Views: 2533

Re: Things to consider when relocating from Boston to Toronto

Amtrak is a more comfortable option, but it's more expensive and not any shorter. You can't get between Toronto and Boston in a single day via Amtrak. There's one train per day between Toronto and New York via Buffalo and Albany. Connecting at Albany with the one train from there to Boston requires...
by 22twain
Wed Oct 24, 2018 11:44 pm
Forum: Investing - Help with Personal Investments
Topic: Got charged 3 brokerage fees for one sell transaction is that normal ?
Replies: 17
Views: 1406

Re: Got charged 3 brokerage fees for one sell transaction is that normal ?

Greenbacks wrote:
Wed Oct 24, 2018 10:39 pm
the fees total around $ 620 bucks via the 3 separate selling's
:shock:
Greenbacks wrote:
Wed Oct 24, 2018 10:39 pm
Oh btw it was Edward Jones
Aha. :oops:
by 22twain
Wed Oct 24, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: Vehicle to vacation w/dogs (staying in hotels/VRBOs)
Replies: 32
Views: 2447

Re: Vehicle to vacation w/dogs (staying in hotels/VRBOs)

Or else find a dog sitter and leave it at home when you travel. That's how my parents ended up moving to Florida when they retired. One February evening up north, after my father had been out shoveling snow for the second time that day, the phone rang. It was a friend who had retired to Florida. He...
by 22twain
Tue Oct 23, 2018 9:11 pm
Forum: Investing - Theory, News & General
Topic: How long will TIAA Trad (3.5%) stay ahead of the fixed income pack?
Replies: 18
Views: 1803

Re: How long will TIAA Trad (3.5%) stay ahead of the fixed income pack?

I can't speak to the early 1980s, but in the late 1980s Trad gave me a bit over 9% in 1986, decreasing to about 8.4% in 1990, as estimated from my account balances during that period. This is for a combination of RA (illiquid) and GSRA (liquid).
by 22twain
Tue Oct 23, 2018 10:03 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7810
Views: 1604449

Re: U.S. stocks in freefall

The markets are probably worried about a possible sudden influx of $900 million or so after tonight's Mega Millions drawing. :moneybag
by 22twain
Thu Oct 18, 2018 8:16 am
Forum: Investing - Theory, News & General
Topic: Forever Stamps as an Investment?
Replies: 32
Views: 3712

Re: Forever Stamps as an Investment?

Suppose you have a pile of sheets of stamps amounting to a few $K in postage value and you want to cash them in. How will you sell them? Who do you know that can use that many stamps? Businesses that send a lot of mail generally use postage meters or pay their postage in bulk at the post office. I v...
by 22twain
Wed Oct 17, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: Denied credit card with great credit
Replies: 17
Views: 1776

Re: Denied credit card with great credit

dknightd wrote:
Wed Oct 17, 2018 5:13 pm
Eventually even big cows run out of milk.
Or they kick you when you try to take too much. :wink:
by 22twain
Wed Oct 17, 2018 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Did you retire because you hit your number?
Replies: 71
Views: 6585

Re: Did you retire because you hit your number?

It is easy to forget but prior to the ACA even if you had ample funds few people would voluntarily retire early because it was so difficult or impossible for someone in their late 50's or 60's to get health insurance. I was planning to retire when I would hit the "number" that would qualify me for ...
by 22twain
Wed Oct 17, 2018 9:51 am
Forum: Personal Finance (Not Investing)
Topic: What do you consider 'enough'?
Replies: 96
Views: 11285

Re: What do you consider 'enough'?

The Wizard wrote:
Wed Oct 17, 2018 4:28 am
OP is asking about annual income, not accumulated assets...
Looks like this needs to be repeated.
by 22twain
Wed Oct 17, 2018 6:30 am
Forum: Personal Consumer Issues
Topic: Cross-country trip via Amtrak
Replies: 58
Views: 5623

Re: Cross-country trip via Amtrak

Banff is supposed to be spectacular. Can't get there on VIA Rail, the Canadian equivalent of Amtrak. You have to use the Rocky Mountaineer, a luxury land-cruise operation run by a private company. I've ridden VIA Rail's Canadian between Edmonton and Vancouver via Jasper (sitting up overnight in coa...
by 22twain
Wed Oct 17, 2018 6:06 am
Forum: Personal Consumer Issues
Topic: Cross-country trip via Amtrak
Replies: 58
Views: 5623

Re: Cross-country trip via Amtrak

I have no idea if you can get these. But Michael Portillo, a former UK defence minister (and at one time a serious contender to be Prime Minister), has had a second career as a BBC TV presenter "Great Railway Journeys". The North Carolina public broadcasting network has so far shown the episodes ba...
by 22twain
Tue Oct 16, 2018 10:56 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut the cord?
Replies: 244
Views: 27568

Re: How many of you have cut cord?

I cut the cable cord more than 30 years ago. I was in an apartment in a small town in the south, paying about $12 per month for the local broadcast channels plus C-Span and maybe a shopping channel or two. Then I got married. We bought a house that came with an antenna on the roof, and an antenna ro...
by 22twain
Tue Oct 16, 2018 9:59 pm
Forum: Personal Consumer Issues
Topic: Visiting the Statue of Liberty
Replies: 8
Views: 697

Re: Visiting the Statue of Liberty

stilllurking wrote:
Tue Oct 16, 2018 8:10 pm
We'll be traveling from the NJ side [...] where to park?
Liberty State Park.

https://www.nps.gov/stli/planyourvisit/directions.htm
by 22twain
Tue Oct 16, 2018 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer VTSAX & VTIAX to Chase You Invest?
Replies: 28
Views: 2339

Re: Transfer VTSAX & VTIAX to Chase You Invest?

If you're going to have to convert the shares anyway, why not convert to ETFs? As already noted, ETFs are more portable than ordinary mutual funds.
by 22twain
Mon Oct 15, 2018 5:59 pm
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 158
Views: 13752

Re: Correlation between the FIRE movement and one of the greatest bull markets

bhsince87 wrote:
Mon Oct 15, 2018 4:15 pm
So in your opinion, someone like Peyton Manning shouldn't tell people he's retired?
I would say he's retired from football, but not retired from working in general. A similar example: people who have retired from the military but are working in a second career.
by 22twain
Mon Oct 15, 2018 5:45 pm
Forum: Personal Consumer Issues
Topic: How Much Is Your Sewer Bill?
Replies: 78
Views: 4114

Re: How Much Is Your Sewer Bill?

Two people, single-family house, no sprinklers, small town in the South. Water is about $35 and sewer is about $55-$60 per month.
by 22twain
Sun Oct 14, 2018 11:23 pm
Forum: Personal Consumer Issues
Topic: Need new email address. Gmail or ???
Replies: 70
Views: 5285

Re: Need new email address. Gmail or ???

What benefit does Thunderbird (or any computer-resident email program) add [over gmail]? You can copy mail to local mail folders on your computer for offline archiving, and then delete it from the Gmail account. I did this when I retired from the college where I had worked for many years. It uses a...
by 22twain
Sun Oct 14, 2018 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal Roth IRA contribution--new account or existing?
Replies: 4
Views: 372

Re: Spousal Roth IRA contribution--new account or existing?

I retired a couple of years ago and no longer have earned income. However, my wife still works part time, so I've continued to make contributions to my Roth IRA. If you file jointly, all that matters is that (a) the total contributions to your and your spouse's IRA must not exceed your combined tota...
by 22twain
Sun Oct 14, 2018 7:14 am
Forum: Investing - Help with Personal Investments
Topic: Have you annuitized some of your money?
Replies: 67
Views: 5840

Re: Have you annuitized some of your money?

I too like the concept of annuitizing enough income alongside Social Security, to cover normal basic living expenses, and using portfolio withdrawals to cover "fun stuff" and irregular or one-off expenses such as new cars, new roof, etc. Both of our main retirement accounts are at TIAA which has ann...
by 22twain
Sat Oct 13, 2018 10:57 pm
Forum: Personal Consumer Issues
Topic: Need new email address. Gmail or ???
Replies: 70
Views: 5285

Re: Need new email address. Gmail or ???

I would see no reason why you'd ever need to change your gmail account. I do have a private domain but they aren't free to use with Gmail anymore and configuration can be a bit of work for new private domains. Unless you have a real and defined need, it doesn't seem worth the trouble. Straight norm...
by 22twain
Sat Oct 13, 2018 12:42 am
Forum: Personal Consumer Issues
Topic: Census [Received form in mail]
Replies: 21
Views: 1776

Re: Census

I got a form in the mail last week that looks like it is from the federal govt. It asks me to log onto a website Is the website at a census.gov address, or possibly some other .gov address? If not, that would raise big red warning flags for me. Don't rely on the address that's displayed in the e-ma...
by 22twain
Thu Oct 11, 2018 8:41 pm
Forum: Personal Consumer Issues
Topic: Route-66 trip recommendations
Replies: 39
Views: 2274

Re: Route-66 trip recommendations

I Googled "Route 66 Tours" and this was the first one that came up...... https://www.trafalgar.com/en-us/tours/t/route-66?tripcode=drst Ha ha, their itinerary looks like it contains all the stops I suggested. My guess of two weeks from Chicago to LA was only one day off! 8-) Another site I remember...
by 22twain
Thu Oct 11, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: Route-66 trip recommendations
Replies: 39
Views: 2274

Re: Route-66 trip recommendations

This is for one of my relatives who are in Europe and would like to do the "route-66" trip. I have not done this trip but are there travel agencies who can plan these? Are they looking for some kind of package deal like an escorted bus tour? I've always thought of this sort of thing in terms of a d...
by 22twain
Wed Oct 10, 2018 5:54 pm
Forum: Investing - Theory, News & General
Topic: How are stock dividends and bond coupons distributed in funds investment?
Replies: 6
Views: 483

Re: How are stock dividends and bond coupons distributed in funds investment?

butforwales wrote:
Wed Oct 10, 2018 1:17 pm
In the context of 401k
As you can see, the general answer is "it depends on how your plan is set up." So "in the context of your 401K", the answer is whatever your plan's documentation says.
by 22twain
Wed Oct 10, 2018 5:00 pm
Forum: Forum Issues and Administration
Topic: My threads or posts.
Replies: 6
Views: 673

Re: My threads or posts.

Or look at the right side of one of your posts, e.g. in this thread. See the line "Posts: 5" or whatever the number is when you see this? Click on the number, and you'll get a list of your posts. This works for anybody else's posts, too.
by 22twain
Tue Oct 09, 2018 9:39 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 15507

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

driving in the snow so seems like snow tires is necessary and 2 cars which none are 4wd. Although I live in the South now, I spent my first 30 years in northern OH, southeastern MI and upstate NY, where snow is a regular thing in the winter. Neither my parents nor I ever had snow tires or 4WD. In t...