Search found 1113 matches

by 22twain
Tue Oct 17, 2017 9:20 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 218
Views: 9000

Re: TD Ameritrade Free ETF program changing...

Already being discussed in this thread, including the e-mail that you got:

viewtopic.php?f=10&t=229801

The title of that thread isn't nearly as descriptive as yours, so you can be forgiven for overlooking it. :)
by 22twain
Mon Oct 16, 2017 5:46 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 101
Views: 4823

Re: How does everyone keep track of your portfolio?

I use an Excel spreadsheet. Two funds in my 403(b) and two funds in my taxable account. It took me three minutes to look up today's share or unit values (no login necesssary) and plug them in by hand to get my current portfolio balance.
by 22twain
Sat Oct 14, 2017 7:57 am
Forum: Investing - Theory, News & General
Topic: How do you define your income when it is mentioned in the articles (before tax or after tax)?
Replies: 3
Views: 452

Re: How do you define your income when it is mentioned in the articles (before tax or after tax)?

Hi, welcome to Bogleheads! While I was reading the articles on the wiki pages, I found that sometimes it talks about some percentages of income, like your mortgage should not be more than 20% of your income or something like that. I am wondering whether the income refers to after tax or before tax i...
by 22twain
Fri Oct 13, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Which is the Most Tax-Efficient Method to Increase Your Cash Position?
Replies: 34
Views: 2254

Re: Which is the Most Tax-Efficient Method to Increase Your Cash Position?

Here's the math - you have taxable income (not wages) of 30,978 placing you squarely in the 15% marginal tax bracket. Taxable income up to $37,950 keeps you in the 15% tax bracket. The first dollar of taxable income above that amount throws you in the 25% tax bracket. Long Term capital gains in the...
by 22twain
Fri Oct 06, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: Best places to retire in 2018
Replies: 4
Views: 1341

Re: Best places to retire in 2018

MP123 wrote:
Thu Oct 05, 2017 5:33 pm
I wish they'd just put it in a list instead of making you click through 37 pages of slideshow interspersed with ads.
37-click bait. :annoyed
by 22twain
Wed Oct 04, 2017 4:45 am
Forum: Personal Consumer Issues
Topic: TV DVR Dilemnia: OTA or Satellite
Replies: 11
Views: 895

Re: TV DVR Dilemnia: OTA or Satellite

Do you have wired cable TV service available in your area? TiVo works with both OTA and cable. For cable, you have to rent from your cable company a CableCard that plugs into the back of the TiVo box. At least that's my understanding; I use only OTA myself.
by 22twain
Mon Oct 02, 2017 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 131
Views: 18258

Re: What age did you become debt free and what opportunities did it create?

Neither of us ever took out student loans or car loans, so our only significant debt was our home mortgage, a 20-year loan paid off at age 54. It let us save a bit more towards retirement. Housing is cheap here in "flyover country" so the payments weren't huge, anyway.
by 22twain
Sun Oct 01, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: a $2000 pizza
Replies: 19
Views: 1780

Re: a $2000 pizza

Anyone up for prospecting for gold in the sewers?
by 22twain
Sun Oct 01, 2017 1:08 am
Forum: Investing - Help with Personal Investments
Topic: Would you invest in O [Realty Income Corp] for dividend yield?
Replies: 8
Views: 1039

Re: Would you invest in O [Realty Income Corp] for dividend yield?

What's O? This tickled my interest about single-letter ticker symbols, so I went to (where else?) Wikipedia: https://en.wikipedia.org/wiki/Ticker_symbol#Single-letter_ticker_symbols The only other one I knew about before this was T (AT&T) because my wife owns a chunk of it, inherited from her paren...
by 22twain
Fri Sep 29, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: Places to see in Chicago
Replies: 45
Views: 2957

Re: Places to see in Chicago

taking an urban bike ride south from there around the Argonne National Labs. Next time, you might want to check out the Illinois Prairie Path, which uses former railroad rights-of-way through the western suburbs. There are branches to Aurora, Batavia and Elgin, which are also connected (I think) by...
by 22twain
Fri Sep 29, 2017 2:25 am
Forum: Personal Consumer Issues
Topic: What are your monthly expenses?
Replies: 69
Views: 7305

Re: What are your monthly expenses?

Married couple in 60s, mostly retired, no kids, house paid off, VLCOL area (small town in the South). Our total expenses for 2016 were about $37,000, according to total outflows from checking accounts plus income taxes. We didn't track these in detail by category, but I can break out the following: ...
by 22twain
Wed Sep 27, 2017 4:21 am
Forum: Personal Consumer Issues
Topic: Weekend trip in Portland, Oregon - ideas?
Replies: 22
Views: 1396

Re: Weekend trip in Portland, Oregon - ideas?

There's plenty in Portland to fill two days, depending on your interests. Going out of town on such a short trip would be stretching things IMO. I was there for nine days last year. Two days for a hobby convention, four days in and near the city using public transportation, and three day-trips by re...
by 22twain
Wed Sep 27, 2017 4:04 am
Forum: Investing - Help with Personal Investments
Topic: Allocation in TIAA-CREF
Replies: 27
Views: 2119

Re: Allocation in TIAA-CREF

As interest rates rise, the rate on TIAA Traditional will probably rise after some lag, just as it fell during the last few decades. In the late 1980s I was getting more than 8% on my Trad. Even in the late 1990s and up to 2002 I was getting nearly 7%. Right now I'm getting about 4.1% in my GSRA. Th...
by 22twain
Tue Sep 26, 2017 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation in TIAA-CREF
Replies: 27
Views: 2119

Re: Allocation in TIAA-CREF

GSRA is liquid like any mutual fund in your 403b - no restrictions at all. Obviously, this is just for moving money around WITHIN the 403b. Until you reach the point where you can take distributions from the GSRA (and pay tax on them, of course). In my employer's TIAA plan, I could have started tak...
by 22twain
Sun Sep 24, 2017 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: How much do I have to save?
Replies: 18
Views: 3837

Re: How much do I have to save?

In general, it looks like I have to accumulate 3.33MM in today's dollars but I'm not sure how I figure out how much that is in future dollars. I wouldn't try to figure out a final target in future dollars. I would set my target in current dollars, and adjust (increase) it every few years according ...
by 22twain
Sun Sep 24, 2017 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 8226

Re: Age you retired

58 - forced semi-retirement (still technically full time but reduced duties and much lower pay) because of employer cutbacks
63 - complete retirement (with employer's retiree medical coverage until Medicare)
by 22twain
Sun Sep 24, 2017 12:33 am
Forum: Investing - Theory, News & General
Topic: a really beginner question [Why are the fund prices different?]
Replies: 11
Views: 1360

Re: a really beginner question [Why are the fund prices different?]

My cookies are 3" wide (definition of one ETF share) but my friend's cookies are 5" wide (definition of one mutual fund share). The customers will pay 35 cents for each small cookie (ETF share) or 50 cents for each big cookie (mutual fund share). If the cookies are the same thickness, I would say t...
by 22twain
Fri Sep 22, 2017 3:05 pm
Forum: Investing - Theory, News & General
Topic: [Poll] Bull or Bear for Next 5 Years?
Replies: 36
Views: 10046

Re: [Poll] Bull or Bear for Next 5 Years?

I hope nobody's been voting in that poll since this thread was revived after more than ten years. Great way to contaminate a data set!
by 22twain
Fri Sep 22, 2017 8:00 am
Forum: Personal Finance (Not Investing)
Topic: What is FI if you love your job? [Financial Independence]
Replies: 68
Views: 5590

Re: What is FI if you love your job? [Financial Independence]

The job you love when you are in your 30's may be one you loathe in your 40's. Or you may get pushed out of it in your 50's, with few or no prospects of getting a similar job to replace it. That's what happened to me because of cutbacks by my employer. Fortunately they let me move into a much lower...
by 22twain
Thu Sep 21, 2017 5:34 pm
Forum: Investing - Theory, News & General
Topic: The Trouble with "Buy and Hold"
Replies: 144
Views: 15573

Re: The Trouble with "Buy and Hold"

I've always had two funds in my TIAA 403(b) account, a broad US+international stock fund (CREF Stock) and a stable-value fund (TIAA Traditional), with contributions split 50/50. No rebalancing or withdrawals yet. This graph shows the accumulated contributions and balance through last fall. I used it...
by 22twain
Thu Sep 21, 2017 5:15 pm
Forum: Investing - Theory, News & General
Topic: Retirees, what is your marginal tax rate?
Replies: 102
Views: 10239

Re: Retirees, what is your marginal tax rate?

We were in the (MFJ) 25% bracket before retiring. We are postponing SS and withdrawals from tax-deferred accounts until age 70. She earns a small salary from part-time teaching. Taking only earnings, dividends and interest into account, we are now in the 15% bracket. We'll probably do Roth conversio...
by 22twain
Thu Sep 14, 2017 1:49 pm
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 7497

Re: Best Lower Cost USA Cities to Live

If you're strictly looking for LCOL, I know of many small-ish cities in the South that would fit the bill, but I'm not sure I would live there because I would go crazy from lack of anything to do other than visit the local Wal-mart. Small-college towns do have some cultural amenities. Probably not ...
by 22twain
Mon Sep 11, 2017 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: What index funds that will benefit from resent disasters
Replies: 21
Views: 1769

Re: What index funds that will benefit from resent disasters

livesoft wrote:
Mon Sep 11, 2017 12:00 pm
ALL of them.
So you might as well go with a total stock market fund, if you aren't in one already. Vanguard's Total Stock Market ETF (VTI) is up more than 1% so far today.
by 22twain
Sun Sep 10, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: First Class Stamps on Large Packages
Replies: 26
Views: 1785

Re: First Class Stamps on Large Packages

can I bing in the package to the post office with 20 37c first class stamps already applied on the box to help pay for the $11.15 total cost to send the package? My understanding is yes - the postal service scanners are supposed to have the smarts to convert the forever type stamps to the current "...
by 22twain
Fri Sep 08, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Places to see in Chicago
Replies: 45
Views: 2957

Re: Places to see in Chicago

e5116 wrote:
Wed Sep 06, 2017 11:28 pm
check out a Swedish bakery in Andersonville
And while you're at it, having gone all the way up to Andersonville, check out the Swedish American Museum.
by 22twain
Fri Sep 08, 2017 6:57 am
Forum: Investing - Theory, News & General
Topic: Good Article on Retirement Investing and Withdrawals
Replies: 7
Views: 1446

Re: Good Article on Retirement Investing and Withdrawals

For most people, unlike some or most of us Bogleheads, Social Security will cover a major fraction of their retirement spending. The median household income is about $55K, which would probably give about $25K in SS at FRA.
by 22twain
Fri Sep 08, 2017 6:36 am
Forum: Investing - Theory, News & General
Topic: new to investing...[a little] help please?
Replies: 53
Views: 3254

Re: new to investing...[a little] help please?

i can buy a lot more shares of SCHB than i would VTI SCHB is about $60 per share whereas VTI is about $126 per share, so with (say) $3000 you can indeed buy more shares of SCHB. That doesn't make any difference except that with SCHB you're more likely to have less money left over from the fractiona...
by 22twain
Wed Sep 06, 2017 9:57 pm
Forum: Personal Consumer Issues
Topic: Need Advise On Getting to Patriots Game, Foxborough
Replies: 13
Views: 1121

Re: Need Advise On Getting to Patriots Game, Foxborough

LoveMyDog wrote:
Wed Sep 06, 2017 5:59 pm
Maybe they control the number of people allowed on a train somehow?
That's what the special tickets are for, no?
by 22twain
Wed Sep 06, 2017 5:23 pm
Forum: Investing - Theory, News & General
Topic: Dividends and Withdrawal Rate
Replies: 39
Views: 3294

Re: Dividends and Withdrawal Rate

If you want to compare your withdrawal rate with the values that are often bandied about here (the famous 4%, or other people's 3% or 2% or even the 1.4% that someone just today or yesterday wrote that he was aiming for), then you should include "harvested" dividends in that rate. As far as I know, ...
by 22twain
Tue Sep 05, 2017 7:44 am
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rate -> 2% or lower
Replies: 72
Views: 7945

Re: Safe Withdrawal Rate -> 2% or lower

But there is certainly no reason to be significantly *less* aggressive than 60/40 with a 2% withdrawal rate. If you don't care about heirs/bequests then of course you could be more conservative just as you could also burn a $100 bill every night before going to bed. It seems there are two kinds of ...
by 22twain
Mon Sep 04, 2017 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: Help with TIAA-CREF
Replies: 15
Views: 1679

Re: Help with TIAA-CREF

However, the CREF accounts do behave like mutual funds, with minimal restrictions on trades, transfers, rollovers etc. The CREF accounts differ from mutual funds in the way they handle dividends from the individual stocks that they contain. A mutual fund distributes the dividends to you. You can ei...
by 22twain
Mon Sep 04, 2017 12:23 am
Forum: Investing - Theory, News & General
Topic: Michael Kitces 4% rule podcast on Madfientist
Replies: 355
Views: 36018

Re: Michael Kitces 4% rule podcast on Madfientist

4% failed for people who retired in 1966/1969. But the stock market crash didn't come until late 1973-1974. Surely the bigger factor in that failure wasn't the 1973/74 downturn, but rather the long period of a stagnant stock market combined with high inflation. Here's a cool chart showing the DJIA ...
by 22twain
Sun Sep 03, 2017 1:48 am
Forum: Investing - Theory, News & General
Topic: Michael Kitces 4% rule podcast on Madfientist
Replies: 355
Views: 36018

Re: Michael Kitces 4% rule podcast on Madfientist

Can someone explain the bond/TIPS ladder? How is that income for retirement? From what I'm reading you reinvest the principal, No, you spend the principal. Each year, one bond or TIPS matures. Its value is enough to cover that year's expenses, or only your "floor" expenses if that's how you designe...
by 22twain
Sat Sep 02, 2017 1:17 pm
Forum: Investing - Theory, News & General
Topic: Michael Kitces 4% rule podcast on Madfientist
Replies: 355
Views: 36018

Re: Michael Kitces 4% rule podcast on Madfientist

Many of us probably personally know people who "stress tested" their finances via longevity. My MIL lived to 99 and spent her last 8 years in a nursing home. She still managed to leave some money behind because when she could no longer keep up her house, she sold it and moved to be near us in a LCOL...
by 22twain
Sat Sep 02, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: Photobucket - disappearing images and $$$ - has it affected you?
Replies: 28
Views: 2553

Re: Photobucket - disappearing images and $$$ - has it affected you?

For a total of about $50 per year, you can buy your own domain name and a basic website-hosting service plan. Put up some simple web pages with your images and you can hotlink to them from forums etc. If you have even just a smidgen of coding ability, it takes only a small bare-bones subset of HTML ...
by 22twain
Fri Sep 01, 2017 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Bad Idea to Have Zero Credit Cards?
Replies: 129
Views: 6176

Re: Bad Idea to Have Zero Credit Cards?

Worrying about grammar and spelling on a web forum is a sure road madness. I'm happy when people don't mix up "then" and "than". On this forum, the one that jumps out at me is people using "principle" to mean "principal", as in "I don't want to spend my principle." Some days I wonder if "principal"...
by 22twain
Wed Aug 30, 2017 6:40 am
Forum: Personal Finance (Not Investing)
Topic: How much sooner could you retire with NO property taxes?
Replies: 116
Views: 7344

Re: How much sooner could you retire with NO property taxes?

My property taxes run me about $1100/yr About the same for us until last year, when we became eligible for the senior citizen's exemption which cut it by about 1/3. On the other hand, when we were still earning normal salaries, we were paying state income tax at 7% marginal and about 5% effective r...
by 22twain
Sun Aug 27, 2017 5:21 am
Forum: Investing - Help with Personal Investments
Topic: How EXACTLY does investing work? PROs needed.
Replies: 5
Views: 901

Re: How EXACTLY does investing work? PROs needed.

If I never buy more shares, will I always have 740 shares of VFFVX? Most likely you will end up with more shares. Most mutual funds have dividends and capital gains, and when they are issued your number of shares goes up. If you re-invest dividends and capital gains distributions in the same fund, ...
by 22twain
Thu Aug 24, 2017 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: "I'm Bill Bengen, and I first proposed the 4% safe withdrawal rate in 1994. Ask me anything!"
Replies: 119
Views: 13974

Re: "I'm Bill Bengen, and I first proposed the 4% safe withdrawal rate in 1994. Ask me anything!"

How does pension and ss factor into this rule? Can you start with more than 4-4.5% if in 8-10 yrs a pension and ss can cover 1/3-1/2 of spending? Sure. You can estimate this with Firecalc. For example, with an initial balance of $1.0M, a 40-year withdrawal period, and no SS, a spending rate of $33K...
by 22twain
Tue Aug 22, 2017 11:30 pm
Forum: Personal Consumer Issues
Topic: Eclipse Traffic: predictions vs reality?
Replies: 64
Views: 4829

Re: Eclipse Traffic: predictions vs reality?

I live in the totality zone in upstate SC, so I didn't have to travel. After the eclipse, on the evening news of one of the TV stations in Greenville SC, the live traffic maps showed "red" on the northbound lanes of I-85 through Spartanburg towards the NC border, and on the southbound lanes past And...
by 22twain
Wed Aug 16, 2017 6:31 am
Forum: Investing - Theory, News & General
Topic: what was the actual return of BND last year?
Replies: 20
Views: 2342

Re: what was the actual return of BND last year?

Thanks, lack_y, your graph above makes my point. The money market fund beat BND last year in a climate of anticipated and actual rate hikes. Since this will likely continue, Let's all come back in three months with a new one-year graph that starts at the bottom of BND's dip, and see how the compari...
by 22twain
Thu Aug 10, 2017 2:47 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 6638

Re: What Percentage CASH are you?

Here's what I have at the moment. People use different definitions of "cash", so add up the items that fit your definition:

Folding green stuff: 0.02%
Checking accounts: 1.25%
Brokerage settlement fund (money market): 0.22%
CD: 3.70%
by 22twain
Mon Aug 07, 2017 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: How or if to use TIAA annuity
Replies: 32
Views: 2060

Re: How or if to use TIAA annuity

Beware the footnote:
1. Income and withdrawal options are subject to the terms of the employer plan.
To be sure about your options for getting money out, you need to read the terms of your employer's plan.
by 22twain
Sun Aug 06, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Buying a new TV. What do I need to know now?
Replies: 29
Views: 2446

Re: Buying a new TV. What do I need to know now?

BHUser27 wrote:It is very likely that separate receiver boxes will be the norm for the first 3.0 broadcasts.
As they were for ATSC 1.0 originally. I still have a couple of standalone HDTV tuners from c. 2005 in my closet, and I still use an HDTV that has no built-in ATSC tuner. I use it with a TiVo that does.
by 22twain
Sun Aug 06, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: Buying a new TV. What do I need to know now?
Replies: 29
Views: 2446

Re: Buying a new TV. What do I need to know now?

Some of the models do not have a TV tuner in them now which means they cannot be hooked up to an antenna for over the air broadcasts so watch out for that. When I last shopped for a TV several years ago, the FCC required that devices without tuners had to be labeled as "monitors", not "TVs". I don'...
by 22twain
Sun Aug 06, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: Credit Card company email "Do you recognize this purchase?"
Replies: 27
Views: 2340

Re: Credit Card company email "Do you recognize this purchase?"

If you don't have the card any more, so you can't look up the phone number on it, go directly to the Capital One web site (use a Google search if you don't remember the address), and look up the customer support phone number there. If the e-mail gives a phone number, don't use it without verifying i...
by 22twain
Sat Aug 05, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: Drinking water price craziness
Replies: 79
Views: 7794

Re: Drinking water price craziness

daveydoo wrote:If you're on municipal, you can call them but you're generally safe (Detroit, blah, blah, blah, I know).
Detroit's water is OK, as far as I know. Its neighbor Flint got into trouble when it stopped buying water from Detroit and started taking it from the Flint River instead, to save money.
by 22twain
Sat Aug 05, 2017 12:01 pm
Forum: Personal Consumer Issues
Topic: NYT: Buy more takeout and hire a maid, study suggests
Replies: 36
Views: 6005

Re: NYT: Buy more takeout and hire a maid, study suggests

We pay someone to mow our lawn. Well worth it in our hot muggy Southern summers. :beer My solution is location, location, location. Nobody can see our lawn unless they drive 700 feet off the road, up a hill through the woods. Unfortunately for that solution, we're in a very visible location. It's a...
by 22twain
Fri Aug 04, 2017 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: How do you calculate this? [Retirement planning based on income]
Replies: 22
Views: 2207

Re: How do you calculate this?

Next, you need to estimate your retirement income: pension (if any), SS, RMDs (after taxes have been paid on the withdrawals), annuities,... What is the shortfall between your expenses and income? I would argue that RMDs are not really "income" in the sense of this calculation, because they are alr...