Search found 1131 matches

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: 52
Views: 1820

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: 24
Views: 2443

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: 2937

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: 10681

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: 328
Views: 34491

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: 6524

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: 6524

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: 771

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: 4066

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: 818

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 to Avatar . . how did you choose or not choose?
Replies: 115
Views: 5168

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: 1820

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: 5772

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: 14966

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: 1373

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: 75
Views: 9599

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: 2424

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: 1600

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: 458
Views: 38304

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: 7049

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: 492

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: 2376

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: 1376

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: 960

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: 18625

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: 1839

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: 1090

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: 3110

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: 7553

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: 1461

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: 2194

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: 2194

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: 3908

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: 8624

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: 1439

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: 10090

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: 5848

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: 15761

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: 10540

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: 7912

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: 1846

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: 1880

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: 3110

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: 1486

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: 3393

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: 1173

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: 3489

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: 8326

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: 1739

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...