Search found 1155 matches

by 22twain
Fri Dec 15, 2017 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: going to cash w present instability
Replies: 40
Views: 5755

Re: going to cash w present instability

Most or all target retirement funds maintain a fixed stock/bond ratio after a certain age. If one is satisfied with the ratio at that point, and with the underlying investments, why move the money to something else?
by 22twain
Thu Dec 14, 2017 6:51 pm
Forum: Investing - Theory, News & General
Topic: Ensuring I don't buy the dividend
Replies: 28
Views: 1367

Re: Ensuring I don't buy the dividend

Example: 1. You buy a $10 share before the distribution. After the distribution you have a share worth $9.90 and 0.10 paid to you, on which you pay tax. 2. You buy the share after the distribution for $9.90 and owe no tax. In the first example you get some of your money immediately returned to you ...
by 22twain
Tue Dec 12, 2017 1:38 am
Forum: Personal Finance (Not Investing)
Topic: States with tax-friendly policies for dividends/LTCG
Replies: 13
Views: 1539

Re: States with tax-friendly policies for dividends/LTCG

SC gives a 44% deduction on long-term capital gains, which effectively reduces the maximum tax rate on LTCG from 7% to about 3.9%.
by 22twain
Sun Dec 10, 2017 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Can/Should early retiree avoid ACA tax credits?
Replies: 55
Views: 3428

Re: Can/Should early retiree avoid ACA tax credits?

Epsilon Delta wrote:
Sun Dec 10, 2017 3:58 pm
You could always make a donation to the Treasury to reduce the public debt
Or donate an amount equal to your ACA tax credits, to your favorite charities, over and above the amount that you would have given anyway.
by 22twain
Sun Dec 10, 2017 6:59 pm
Forum: Personal Consumer Issues
Topic: What MPG App Do You Use To Track Fuel Usage ?
Replies: 61
Views: 2379

Re: What MPG App Do You Use To Track Fuel Usage ?

I'm old school. I write it in a paper notebook I keep in the car, and transcribe it to a spreadsheet when I get home. Instead of a paper notebook, I write the odometer reading on the credit card receipt whenever I fill up the tank. When I get home I use the information on the receipt to create anot...
by 22twain
Sun Dec 10, 2017 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 101
Views: 8891

Re: What are your big-picture ‘rules of life’ —financial or otherwise?

The grass isn't always greener on the other side of the fence, so consider carefully the potential pluses and minuses of jumping over it. Some colleagues/friends of ours in academia left their positions here (even tenured ones) in the hope of improving their situation elsewhere, but found overall im...
by 22twain
Sat Dec 09, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 174
Views: 12573

Re: Save all this money, what do you splurge on?

While pondering a possible overnight Amtrak trip in a few months, I've been thinking of splurging on a sleeping car instead of sitting up in coach.
by 22twain
Sat Dec 09, 2017 1:14 am
Forum: Investing - Help with Personal Investments
Topic: Help! Need to Create an Income Stream for Retirement
Replies: 8
Views: 1551

Re: Help! Need to Create an Income Stream for Retirement

JDavis wrote:
Fri Dec 08, 2017 10:52 pm
I am putting the house on the market
About how much do you expect to get for it?
by 22twain
Mon Dec 04, 2017 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Status Money website - good or bad?
Replies: 5
Views: 1014

Re: Status Money website - good or bad?

The idea of the website is that it crowd source personal financial data, and presents the results to you so you can make better financial decisions. If the results are based only on the responses to the site's poll(s), then the results are worthless because of (self-)selection bias. This is a major...
by 22twain
Sat Dec 02, 2017 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with extra 50k, when, and how?
Replies: 26
Views: 2008

Re: What to do with extra 50k, when, and how?

What's the purpose for putting more of the us and international stocks into taxable accounts AND increasing the bond portion into the tax-advantaged? I don't understand. Thanks! It reduces your taxes. Dividends from bond funds are usually taxed at the same rate as ordinary income, e.g. earnings fro...
by 22twain
Sat Dec 02, 2017 8:53 am
Forum: Personal Finance (Not Investing)
Topic: FIRE [financial independence/retire early]
Replies: 138
Views: 13024

Re: FIRE [financial independence/retire early]

The state owns a liquor store? Which state is this? I bet it's Pennsylvania or Utah, where liquor stores are owned by the state. In North Carolina, they're owned by local ABC boards. In some other states, their operators are contracted by the state. https://en.wikipedia.org/wiki/Alcoholic_beverage_...
by 22twain
Sat Dec 02, 2017 1:07 am
Forum: Personal Finance (Not Investing)
Topic: How my FIL saved for college
Replies: 13
Views: 1713

Re: How my FIL saved for college

As another data point from that period, in the early 1980s I had my savings in a money market fund that for a few months paid interest at an annual rate of about 18%.
by 22twain
Fri Dec 01, 2017 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Cash
Replies: 14
Views: 1059

Re: 401k Cash

sparky66 wrote:
Fri Dec 01, 2017 10:55 pm
he thinks the market is overvalued and will go down soon.
I bet he didn't put the money in bond funds either because he thinks a "bondpocalypse" is coming soon, because of rising interest rates.
by 22twain
Fri Dec 01, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: Are plasma TV's gone forever?
Replies: 36
Views: 4530

Re: Are plasma TV's gone forever?

StevieG72 wrote:
Fri Dec 01, 2017 1:44 am
As an added benefit they will heat your home!

These should be a no brainer in cold climates...
Not so great in the hot South, however...
by 22twain
Fri Dec 01, 2017 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Have you moved to ETF's? Why or why not?
Replies: 33
Views: 2294

Re: Have you moved to ETF's? Why or why not?

I use ETFs, but that's only because I don't hold them at Vanguard. When I started to invest an inheritance several years ago, I went with T. Rowe Price because my father had used them once. After I learned about Bogleheads and Vanguard, I decided to switch to Vanguard index funds to reduce the costs...
by 22twain
Fri Dec 01, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Is investing in the stock market just like investing in a house for appreciation?
Replies: 33
Views: 1298

Re: Is investing in the stock market just like investing in a house for appreciation?

Derivative wrote:
Fri Dec 01, 2017 12:40 pm
Also, is there to make stock market investments cash flow just like rental properties
Dividends.
by 22twain
Tue Nov 28, 2017 9:52 am
Forum: Investing - Theory, News & General
Topic: How much do you have in your taxable account?
Replies: 23
Views: 2138

Re: How much do you have in your taxable account?

When I was in my 30s, and indeed up to my mid 50s, all my savings went into my tax-deferred 403(b) account. My only taxable account was my everyday checking account which also served as my emergency fund. I kept $10-$20K there. If I could roll the clock back, knowing what I know now, I would have st...
by 22twain
Tue Nov 28, 2017 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Inheriting a large sum, slightly intimidated.
Replies: 51
Views: 5154

Re: Inheriting a large sum, slightly intimidated.

just make a reasonable decision (50/50 stocks and bonds sounds good) I would not go 100% stock. You have no need to assume that much risk. Why be so conservative at a young age with such a large amount of $$$? 50:50 stock:bonds is far too conservative at age 28, IMHO. in my opinion, 50/50 is probab...
by 22twain
Mon Nov 27, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Analysis Paralysis: Can you get to the bottom of things?
Replies: 136
Views: 9108

Re: Analysis Paralysis: Can you get to the bottom of things?

flyingaway wrote:
Mon Nov 27, 2017 1:23 am
If I had the perfect portfolio, I would not tell anyone.
At least not for free, right? :wink:
by 22twain
Sun Nov 26, 2017 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement fund allocation advice
Replies: 6
Views: 511

Re: Retirement fund allocation advice

Also, it's best to make your percentages relative to your total portfolio value, not the values of the individual accounts (401K, IRA, whatever). We prefer to view one's holdings as a single portfolio, and distribute the asset classes over the different accounts as appropriate, instead of cloning th...
by 22twain
Thu Nov 23, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Passing the second SSA Bend Point - Reversible?
Replies: 13
Views: 1524

Re: Passing the second SSA Bend Point - Reversible?

IIRC the bend points are indexed according to the National Average Wage Index in the same way that your earnings are, in the year that you turn 60. Your bend points for that year are calculated the following year and used to calculate your benefits for age 62. They don't change afterwards. Before th...
by 22twain
Thu Nov 23, 2017 12:57 am
Forum: Investing - Help with Personal Investments
Topic: 100% equity
Replies: 64
Views: 12093

Re: 100% equity

Good luck finding out how he actually made out. According to his profile, he was "last active" here in April 2009.
by 22twain
Tue Nov 21, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 26132

Re: Why not take Social Security at 62

I ran the numbers through FireCalc at various ages I take SS, it really did not affect the outcome. I tried it myself just now, comparing claiming SS at 64 (next year, $23K) versus 70 ($35K in today's dollars) and looking at the "worst case" portfolio balance. Claiming at age 70 starts to come out ...
by 22twain
Sun Nov 19, 2017 8:59 am
Forum: Personal Finance (Not Investing)
Topic: What we don't know
Replies: 42
Views: 2928

Re: What we don't know

It seems to me that much of the stuff that people argue about here amounts to "tweaking around the edges" in an attempt to attain maximum performance (according to whatever criterion you use for "performance"), rather than being satisfied with a plan that is simple and "good enough." Someone here or...
by 22twain
Sat Nov 18, 2017 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Do you include the sale of your home as part of your retirement planning?
Replies: 91
Views: 5084

Re: Do you include the sale of your home as part of your retirement planning?

Thanks to living in a VLCOL area, having saved a lot, and having inherited some more, our house is only about 5% of our net worth, at the beginning of our retirement phase. Therefore I haven't taken its value into account for anything. We have no kids or other close relatives, so we expect to move t...
by 22twain
Thu Nov 16, 2017 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Pile of Cash - What to do
Replies: 25
Views: 2998

Re: Pile of Cash - What to do

lt1948 wrote:
Thu Nov 16, 2017 10:14 am
90/10 stock to bond
If you're happy with that allocation, and the 10% doesn't include the cash, then invest the cash in that ratio in your brokerage account by adding to mutual funds that you already have. You've got a pretty simple portfolio, why make it more complicated?
by 22twain
Sun Nov 12, 2017 1:40 am
Forum: Investing - Theory, News & General
Topic: Fidelity 10X Retirement Rule - - Valid???
Replies: 46
Views: 3050

Re: Fidelity 10X Retirement Rule - - Valid???

Consider someone who earns the median household annual income of about $60K. The Fidelity rule suggests he should save about $600K by retirement. Now let's apply the Boglehead 25x rule, which is based on spending (including taxes) that is not covered by pensions or Social Security. If he saved 15% o...
by 22twain
Fri Nov 10, 2017 10:30 pm
Forum: Investing - Theory, News & General
Topic: The average American retiree household
Replies: 57
Views: 10946

Re: The average American retiree household

What is the upper boundary (in percentile terms) of the fifth quintile? It can't be 100% (on those charts). Surely there are married couples age 65+ with a net worth greater than $2,200,000.
by 22twain
Wed Nov 08, 2017 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 37802

Re: Did you tell anyone you paid off your mortgage?

We didn't tell anyone when our house was paid off, and didn't even celebrate it ourselves because it wasn't a big deal by that point. When we bought the house in the late 1980s, both sets of parents offered to loan us part of the money. Also, our employer offered as a fringe benefit, a $10K mortgage...
by 22twain
Tue Nov 07, 2017 10:55 am
Forum: Personal Consumer Issues
Topic: GoDaddy - Any better options for website hosting?
Replies: 69
Views: 6734

Re: GoDaddy - Any better options for website hosting?

Just by your site existing, it will be attacked, probably thousands of times every day, probing for security weaknesses. My site is basically static HTML and CSS, plus a bit of PHP code to insert "boilerplate" text and meta tags on each page. No user interaction via forms or other input. No databas...
by 22twain
Sat Nov 04, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: GoDaddy - Any better options for website hosting?
Replies: 69
Views: 6734

Re: GoDaddy - Any better options for website hosting?

Does everyone use their domain to send email? How reliable is the service? To address this question which revived this three-year-old thread and which seems to have started up another discussion of web-hosting in general... How reliable it is to use your domain to send email depends on the particul...
by 22twain
Fri Nov 03, 2017 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: CREF VarAnty funds vs TIAA Access TIAA-CREF Mutual Funds
Replies: 12
Views: 835

Re: CREF VarAnty funds vs TIAA Access TIAA-CREF Mutual Funds

People who want to annuitize all or part of a TIAA/CREF accumulation will probably prefer to get a steady income stream. The payout from a TIAA/CREF annuity goes up and down depending on the value of the underlying assets; annuities based on TIAA Traditional are very steady, but ones based on CREF S...
by 22twain
Thu Nov 02, 2017 6:26 am
Forum: Investing - Help with Personal Investments
Topic: what % return do you use?
Replies: 62
Views: 4224

Re: what % return do you use?

When I was forced onto a path towards retirement, I spent a lot of time fiddling with a spreasheet to project my portfolio balance. I haven't looked at it in a long time because I now prefer to use FireCalc. Back in 2012, for a 50/50 portfolio, I assumed 5% nominal growth per year, and 3% inflation....
by 22twain
Tue Oct 31, 2017 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Bond fund/dividend stability?
Replies: 9
Views: 860

Re: Bond fund/dividend stability?

Mehitabel wrote:
Tue Oct 31, 2017 8:08 am
How stable are bond fund yields? What kind of range?
My monthly dividend payments from Vanguard Total Bond Market ETF for the last few months, since I last rebalanced, hence same number of shares:

$520.51
$533.85
$525.99
$530.32
$537.91
$521.33
by 22twain
Mon Oct 30, 2017 1:20 pm
Forum: Local Chapters and Bogleheads Community
Topic: To Avatar or Not - Get One? How did you choose?
Replies: 128
Views: 6688

Re: To Avatar or not to Avatar . . how did you choose or not choose?

nedsaid wrote:
Mon Oct 30, 2017 11:03 am
I can relate to the Charlie Brown character.
Including getting nothing but rocks while trick-or-treating on Halloween? :wink:
by 22twain
Sun Oct 29, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: What is on your Pre and/or Post Retirement Bucket List?
Replies: 23
Views: 1911

Re: What is on your Pre and/or Post Retirement Bucket List?

I've always been into classical music, and have a huge collection of CDs that I'm gradually ripping to digital files and re-hearing. Now that I can travel during the "season", which I couldn't easily do while still subject to the academic calendar, I want to see/hear the major US orchestras performi...
by 22twain
Sun Oct 29, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: Retirees: which websites do you spend the most time on?
Replies: 33
Views: 5895

Re: Retirees: which websites do you spend the most time on?

A forum related to my former profession.
Some other hobby-related forums.
CNN and BBC for news.
And here, of course.

I created a Facebook account about a year ago, but I haven't used it much yet. I haven't yet located enough real-life friends on it to reach a "tipping point" in using it.
by 22twain
Sun Oct 29, 2017 9:55 am
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 15486

Re: What was the main reason you retired?

In my case it was #6, during a financial crunch at my employer. Fortunately I had the option of staying on in a much lower-paying position to keep my health insurance and other benefits going until I reached our normal age for "early retirement" which provides health insurance for a couple of years ...
by 22twain
Sat Oct 28, 2017 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone use individual Bonds instead of Bond Funds in retirement fund?
Replies: 18
Views: 1460

Re: Anyone use individual Bonds instead of Bond Funds in retirement fund?

TheQuestionGuy wrote:
Sat Oct 28, 2017 12:41 pm
With individual Bonds I am locked in
This is true only if you keep them until maturity. If you need to sell a bond before maturity, you get whatever the market gives you at that moment.
by 22twain
Wed Oct 25, 2017 2:54 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 91
Views: 13458

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

To get Taylor to attend the 2018 Bogleheads Conference, I may have to drive down to Miami, kidnap him, tie him up and throw him in the trunk for the drive to Philly. While Taylor will take a round-the-world cruse that starts and ends in Miami (he's done a number of those), he whines like a big baby...
by 22twain
Tue Oct 24, 2017 6:35 am
Forum: Investing - Help with Personal Investments
Topic: No Cap on Match for 401K - Need Advice
Replies: 37
Views: 2567

Re: No Cap on Match for 401K - Need Advice

The dot com bubble caused a 44% drawdown in the Total Stock Market (as represented by VTSMX, Vanguard Total Stock) from Sep 2000 to Sep 2002. The market had completely recovered by Apr 2006. By comparison, a 60-40 mix of VTSMX and VBMFX (Vanguard Total Bond) had a max downturn of 22% (much smaller ...
by 22twain
Mon Oct 23, 2017 10:41 pm
Forum: Investing - Theory, News & General
Topic: What does a bond crash look like?
Replies: 20
Views: 1686

Re: What does a bond crash look like?

nisiprius wrote:
Mon Oct 23, 2017 8:55 pm
That is to say, a period of sharp inflation can result in something "crash"-like in inflation-adjusted value.
Of course, aren't the only thing that would be affected by a spike in inflation. Cash crash, anyone? :twisted:
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: 484
Views: 45204

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: 107
Views: 7534

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: 516

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: 2514

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: 1403

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: 1024

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: 19046

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: 1918

Re: a $2000 pizza

Anyone up for prospecting for gold in the sewers?