Search found 1281 matches

by 22twain
Sun Apr 22, 2018 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning for Health Care Costs
Replies: 18
Views: 1394

Re: Retirement Planning for Health Care Costs

Kalaloch wrote:
Sat Apr 21, 2018 10:18 pm
$12,000/year
Medicare premiums alone for one of us, in a VLCOL area, are at least $3,000 per year, including Part B and D supplements. Double that to $6,000 for two, and that's half your figure already.
by 22twain
Wed Apr 18, 2018 8:55 am
Forum: Investing - Theory, News & General
Topic: Theoretical question. What would happen if 100% of investors are buy and hold.
Replies: 19
Views: 2011

Re: Theoretical question. What would happen if 100% of investors are buy and hold.

This forum has had many discussions about this. Here's a sample, from the first page of the search results that I got by entering "what if everyone indexed" in the search box at the top of this forum. https://www.bogleheads.org/forum/viewtopic.php?t=218396 https://www.bogleheads.org/forum/viewtopic....
by 22twain
Mon Apr 16, 2018 6:14 pm
Forum: Investing - Theory, News & General
Topic: Trinity Study updated to 2018
Replies: 113
Views: 9834

Re: Regular 4% withdrawals can be ridiculous.

dknightd wrote:
Mon Apr 16, 2018 6:08 pm
Would you put the excess RMD in a after tax account, or, try to roll it over into a Roth?
As I understand it, no part of the RMD can be put into a Roth IRA. After you have satisfied your RMD, you can roll over ("convert") additional amounts into a Roth, and pay taxes on it of course.
by 22twain
Sun Apr 15, 2018 5:01 pm
Forum: Personal Consumer Issues
Topic: Mozart in the morning, please
Replies: 18
Views: 2280

Re: Mozart in the morning please

Or Strauss's Also sprach Zarathustra... boom boom boom boom BOOM!
by 22twain
Sun Apr 15, 2018 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Stable Value Fund Question
Replies: 6
Views: 472

Re: Stable Value Fund Question

indexonlyplease wrote:
Sun Apr 15, 2018 10:20 am
I believe it pays quarterly interest
There should be a prospectus available somewhere that describes exactly what it does.
by 22twain
Thu Apr 12, 2018 12:28 am
Forum: Investing - Help with Personal Investments
Topic: Why traditional IRA better than Roth IRA
Replies: 87
Views: 6740

Re: Why traditional IRA better than Roth IRA

MathWizard wrote:
Wed Apr 11, 2018 7:15 pm
families normally don't move up in tax brackets when they retire.
Except on this forum, of course, with our Prodigious Accumulators of Wealth. :wink:
by 22twain
Wed Apr 11, 2018 10:44 pm
Forum: Personal Consumer Issues
Topic: Passport photo DIY - anyone done it easily?
Replies: 92
Views: 6462

Re: Passport photo DIY - anyone done it easily?

Recently, cvs started charging $13.99 each even if you printed them off your usb drive at the kiosk, as long as your 4x6 photo contains those 2x2 images. Wal-Mart did the same thing to me, but their price is $7.44 plus tax. I suspect it might have been simple confusion by the checkout clerk about w...
by 22twain
Wed Apr 11, 2018 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: HELP..not sure what to do at 55 YOA
Replies: 21
Views: 2769

Re: HELP..not sure what to do at 55 YOA

Got burned years ago. I have no idea how much to put in stocks or bonds It might help if you could tell us something about how you got burned. Was it something like a handful of individual stocks like pets.com during the dot-com boom of the late 1990s? Or were you in mutual funds and you bailed out...
by 22twain
Wed Apr 11, 2018 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?
Replies: 84
Views: 13296

Re: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?

However given the current market conditions, I do have real concerns that the market will not continue to perform so well over the next decade. Why just the next decade, when you have possibly 50 to 60 years ahead of you? I see someone has already mentioned Firecalc . I second the suggestion that y...
by 22twain
Wed Apr 11, 2018 3:16 am
Forum: Personal Consumer Issues
Topic: recommend a light box
Replies: 15
Views: 1296

Re: recommend a light box

Or maybe what some people would call a "tanning bed"? Or maybe you're looking for one of these ? Ensures Happiness in home with these cute little words that add on to the light box. Any relationship in a house or office would enjoy this cute little one to convey sweet and short messages. The box com...
by 22twain
Tue Apr 10, 2018 1:32 am
Forum: Personal Consumer Issues
Topic: How can I get a passport?
Replies: 47
Views: 3741

Re: How can I get a passport?

I'm about to renew my nearly 15-year-old passport simply by mailing in my old one with a new picture and an application. Another few weeks and I'd have to apply in person at nearest passport office. I'm in a small town in the boonies, so this would probably mean driving to one of the cities an hour...
by 22twain
Fri Apr 06, 2018 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Your Monthly Cost of Living
Replies: 66
Views: 6644

Re: Your Monthly Cost of Living

Married couple, mid-late 60s, retired, no kids, house paid off, small town in the South. Housing $600 - utilities, property tax, home insurance, appliance replacement; Transportation $450 - two small cars, pro-rated capital cost over 10 years, gasoline, insurance, maintenance Food $500 - both grocer...
by 22twain
Mon Apr 02, 2018 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: How did you file your income taxes?
Replies: 77
Views: 3797

Re: How did you file your income taxes?

For the past several years, I've used the online version of TurboTax Premier, because I get a discount on the federal return via my account at T. Rowe Price. Total cost this year for federal + state was about $50. I switched from pencil and paper to TurboTax after I started investing an inheritance ...
by 22twain
Sun Apr 01, 2018 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Options for My Parents
Replies: 22
Views: 1735

Re: Retirement Options for My Parents

1) Get the lump sum of $85,000, which he will be tax at 20% and leaves only $68,000 in his pocket. To be precise, he will probably have 20% withheld for tax when the sum is distributed. The actual (additional) income tax that he owes for this year will depend on the rest of his income for the year....
by 22twain
Sat Mar 31, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: Underrated places to visit in U.S.?
Replies: 126
Views: 11169

Re: Underrated places to visit in U.S.?

Nestegg_User wrote:
Sat Mar 31, 2018 1:46 am
But have you been to “Middle of Nowhere” in Idaho?
I bet the scenery is better than in Center of the World, Ohio. 8-)
by 22twain
Fri Mar 30, 2018 5:49 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1821
Views: 325240

Re: What are you up YTD? [Year To Date]

For the first quarter of this year I'm down 0.6% overall, on a portfolio that is about 50% stock. This is my first quarterly decline since 3Q 2015. (Remember the China scare?) However, I'm still up 7.3% since a year ago, so I don't feel bad about it.
by 22twain
Fri Mar 30, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: How Do You Value Your Home for Net Worth Purposes?
Replies: 150
Views: 9019

Re: How Do You Value Your Home for Net Worth Purposes?

Zillow and our county's assessors agree within about 20%, so I use Zillow because it's higher. 8-)

Not that it matters much anyway. As we enter retirement in a LCOL area, our paid-off, modest but adequate house comprises less than 5% of our net worth.
by 22twain
Fri Mar 30, 2018 7:34 am
Forum: Investing - Theory, News & General
Topic: % Portfolio Wieght Concerns?
Replies: 23
Views: 1247

Re: % Portfolio Wieght Concerns?

We have another current thread about this very question:

viewtopic.php?f=10&t=245543
by 22twain
Thu Mar 29, 2018 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Sound Strategy RE: Taxes / Retirement ?
Replies: 8
Views: 740

Re: Sound Strategy RE: Taxes / Retirement ?

RRAAYY3 wrote:
Thu Mar 29, 2018 12:12 pm
1. Is it wrong to view a taxable account as part of my retirement package/portfolio?
Why would you think that might be so? Then people can address those specific concerns instead of making general statements that may or may not apply in your situation.
by 22twain
Thu Mar 29, 2018 12:19 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA and Taxable
Replies: 10
Views: 1217

Re: Roth IRA and Taxable

If i have a brokerage account at Vanguard. do i still need to open a Taxable one? If your brokerage account at Vanguard is not an IRA, then it is what we call a "taxable" account. Vanguard and other brokers don't use the word "taxable" for an ordinary (non-IRA) account. On this forum we do customar...
by 22twain
Wed Mar 28, 2018 1:45 pm
Forum: Investing - Theory, News & General
Topic: How old were you when you started spending your “principal”?
Replies: 90
Views: 8067

Re: How old were you when you started spending your “principal”?

So, at least the way I see it, the title should be "How old were you when your retirement balance became less than the amount you had when you started retirement?" Is that what the OP was really trying to ask? Yes, I think that is clear from the body of his first post: So you retire with $X and tha...
by 22twain
Wed Mar 28, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: Retirees: Do you spend all your "income"?
Replies: 46
Views: 4261

Re: Retirees: Do you spend all your "income"?

The IRS sets the rules and terminology for most of us (US citizens) As far as taxable income is concerned. :wink: Everyday language is never precise, and different people attach different shades of meaning to many words, including "income." From the list in the opening post, it seemed clear to me t...
by 22twain
Wed Mar 28, 2018 12:00 am
Forum: Investing - Theory, News & General
Topic: Retirees: Do you spend all your "income"?
Replies: 46
Views: 4261

Re: Retirees: Do you spend all your "income"?

Our income last year included wages (part-time work), deferred compensation, and interest and dividends in taxable accounts. For this calculation I did not include interest and dividends in tax-deferred accounts because those are automatically reinvested and we took no distributions from those accou...
by 22twain
Tue Mar 27, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: Underrated places to visit in U.S.?
Replies: 126
Views: 11169

Re: Underrated places to visit in U.S.?

GCD wrote:
Tue Mar 27, 2018 12:19 pm
I had no idea Detroit style pizza was a thing.
Neither did I, and I lived a short drive away for several years when I was in grad school many years ago. The Coney Island (hot dog) is definitely a thing there, however.
by 22twain
Tue Mar 27, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Anxious about retirement - Am I alone?
Replies: 10
Views: 2148

Re: Anxious about retirement - Am I alone?

But maybe there are interesting things to do that you might suggest? I know people who do the following: Collect stamps and postal history, travel to stamp shows and maybe participate in competitive exhibitions Collect coins Collect rocks and fossils (and travel to hunt for them) Trainspotting and ...
by 22twain
Tue Mar 27, 2018 7:56 am
Forum: Personal Consumer Issues
Topic: London Hotels
Replies: 59
Views: 3846

Re: London Hotels

The only time I've visited London was in 1980, as a brief stopover on a trip from the US to the Continent when flights were much cheaper to London. At that time there were clusters of small family-run hotels in various neighborhoods. I spent a couple of nights in one a few blocks from Victoria Stati...
by 22twain
Tue Mar 27, 2018 7:39 am
Forum: Investing - Help with Personal Investments
Topic: How to set rebalancing bands ?
Replies: 9
Views: 662

Re: How to set rebalancing bands ?

UpperNwGuy wrote:
Tue Mar 27, 2018 6:48 am
Some use bands of various values. Others rebalance only once a year.
Or you can use both. Check once a year. If you're "out of band" then rebalance, otherwise do nothing. Wait till next year to check again.
by 22twain
Mon Mar 26, 2018 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie w/ $200k to invest- help!
Replies: 16
Views: 2058

Re: Newbie w/ $200k to invest- help!

Do you have a retirement plan (401k, 403b, etc.) at work? If yes, are you making the maximum contribution ($18,500 per year)? If not, consider using this new money to provide part of your living expenses while you maximize your payroll deduction for your retirement plan. This will have the effect of...
by 22twain
Sun Mar 25, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: Any way to recover lost blog from former website realtravel.com?
Replies: 5
Views: 334

Re: Any way to recover lost blog from former website realtravel.com?

Archive.org may not have all pages of a site archived for all dates in their calendar-style index, so check various dates if you don't find everything you need on the first attempt.
by 22twain
Sun Mar 25, 2018 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Moving my Roth IRA from T Rowe to Vanguard?
Replies: 18
Views: 1090

Re: Moving my Roth IRA from T Rowe to Vanguard?

If your main goal is to reduce your expense ratio by using Vanguard funds, another option (which I used) is to create a brokerage Roth IRA at TRP, exchange the funds in your current Roth IRA for the money market sweep account in the new brokerage account, and then buy Vanguard ETFs: VTI for Total St...
by 22twain
Sat Mar 24, 2018 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Basic question!
Replies: 22
Views: 1963

Re: Basic question!

403b plans and IRAs have separate contribution limits. You can contribute a total of $18.5K to the former and $5.5K to the latter (if you're under 50 years old). The IRA limit is for the combined total of traditional and Roth IRAs. TIAA is decent, although their plans can be confusing, especially wh...
by 22twain
Sat Mar 24, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Underrated places to visit in U.S.?
Replies: 126
Views: 11169

Re: Underrated places to visit in U.S.?

Drive along the Ohio River from Pittsburgh down to Cincinnati and beyond. Lots of decaying industry at first, then it peters out, and past Wheeling WV it's mostly rural, with rolling hills on both sides. East Liverpool has a museum about the pottery industry which once dominated that area. Wheeling ...
by 22twain
Sat Mar 24, 2018 12:36 am
Forum: Personal Consumer Issues
Topic: Underrated places to visit in U.S.?
Replies: 126
Views: 11169

Re: Underrated places to visit in U.S.?

Ever since I was a kid in a steel-mill town in the the Midwest in the 1960s, "vacation" has meant "road trip" more often than not. Not too long ago I drove from the Carolinas down to south Florida using US 1 through Georgia and US 301 and 27 down the middle of Florida. I saw things like: the Laurel ...
by 22twain
Sat Mar 24, 2018 12:00 am
Forum: Personal Finance (Not Investing)
Topic: changing my signature when signing checks and credit card receipts
Replies: 47
Views: 3240

Re: changing my signature when signing checks and credit card receipts

I've never deliberately signed a credit card transaction with something that isn't an honest attempt at my own signature. However, many of the point-of-sale electronic terminals that I've used have such poor ergonomics that my attempted signature looks like a first-grader's scrawl anyway. Especially...
by 22twain
Fri Mar 23, 2018 7:54 am
Forum: Investing - Theory, News & General
Topic: Working till retirement is not a great plan
Replies: 175
Views: 13508

Re: Working till retirement is not a great plan

I just got called in for the termination meeting. I work in Academia. Due to declining enrollment and looking at which departments were tuition positive/neutral/negative, the process led to a full blown rank and yank throughout departments. My condolences. :( The same thing happened to me several y...
by 22twain
Thu Mar 22, 2018 7:56 am
Forum: Investing - Help with Personal Investments
Topic: How can I start investing when equities and real estate are this much high?
Replies: 65
Views: 7778

Re: How can I start investing when equities and real estate are this much high?

Have you read the story of Bob, the world's worst market timer, who had the misfortune of always investing at market peaks, just before crashes or corrections, but turned out pretty well in the end anyway?
by 22twain
Thu Mar 22, 2018 7:51 am
Forum: Personal Finance (Not Investing)
Topic: What Budget? Do you keep one?
Replies: 116
Views: 7084

Re: What Budget? Do you keep one?

We've been retiring gradually during the past few years. We just figure out the total annual cash flow after the fact, from our checkbook balances. After breaking out "unusual" expenses (vacation trip, new refrigerator, etc.) it's been pretty consistent for the past several years. Even with those ex...
by 22twain
Wed Mar 21, 2018 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Rent or Buy in Miami?
Replies: 20
Views: 1683

Re: Rent or Buy in Miami?

on occasion in the winter the temperature does plummet to an unspeakably cold 50-60 degrees For many years I visited my parents in Fort Lauderdale where they retired. One Christmas Day we all had to go out for a drive to take advantage of our car heater because the temperature was in the 30s. The l...
by 22twain
Wed Mar 21, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: How can I get a passport?
Replies: 47
Views: 3741

Re: How can I get a passport?

When I renewed my passport last year, I just walked in to the post office, took my picture and sent in the application form. Renewing a passport that is less than 15 years old is a lot less hassle than a new passport, or renewing one that is more than 15 years old. I'm about to renew my nearly 15-y...
by 22twain
Tue Mar 20, 2018 7:47 am
Forum: Local Chapters and Bogleheads Community
Topic: PrinciPAL not princiPLE !!!
Replies: 2
Views: 637

PrinciPAL not princiPLE !!!

I swear, the word "principal" (as in principal amount of a mortgage, CD, bond, etc.) has almost completely disappeared from this forum, replaced by "principle". Have people really forgotten the difference, or is it group-spelling-checker-think? :annoyed There, I've got it off my chest. It would be i...
by 22twain
Mon Mar 19, 2018 11:59 pm
Forum: Investing - Help with Personal Investments
Topic: How to Get Started Investing In The Right Direction.
Replies: 9
Views: 736

Re: How to Get Started Investing In The Right Direction.

The difference between the Traditional IRA and the Roth IRA is as follows: With the traditional IRA, you deduct contributions from your income when you make out your tax return for that year. That is, you save on taxes in the year that you contribute. In exchange, when you take money out of the IRA,...
by 22twain
Mon Mar 19, 2018 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: Why shouldn't I day-trade in Roth IRA and HSA investment account?
Replies: 24
Views: 1697

Re: Why shouldn't I day-trade in Roth IRA and HSA investment account?

unclescrooge wrote:
Mon Mar 19, 2018 7:55 pm
You should do it. And also write a book on how to day trade your HSA! :mrgreen:
No, write a newsletter! You'll get more from $50/year subscriptions than from one-time book sales. :beer
by 22twain
Sun Mar 18, 2018 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Venturing into the taxable space
Replies: 13
Views: 842

Re: Venturing into the taxable space

mopman78 wrote:
Sun Mar 18, 2018 10:08 am
that means 15-20% of my taxable holdings will be bonds. How big of a tax hit would this be?
(size of taxable holdings) x 15-20% x (current yield of Total Bond Market, about 2.5%) x (your marginal tax rate)

Plug in the appropriate numbers for your situation and see what you get.
by 22twain
Sun Mar 18, 2018 10:24 am
Forum: Investing - Help with Personal Investments
Topic: TIAA - is guaranteed fund an "annuity"
Replies: 5
Views: 385

Re: TIAA - is guaranteed fund an "annuity"

If you move money in and out of the Traditional account, beware of possible effects on returns. Contributions made during different time periods ("vintages") have different interest rates. When you take money out, you can't specify which vintage to take it from. Instead, it's taken proportionately f...
by 22twain
Sat Mar 17, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 146
Views: 7266

Re: Need for Medicare supplemental plan?

Plan F will no longer be sold to those becoming eligible for Medicare after December 31, 2019. This means that the insured pool for plan F with no new enrollees will begin to age relatively faster than the insured pool for plan G which is the closest substitute for F. This suggests to me that premi...
by 22twain
Thu Mar 15, 2018 11:59 am
Forum: Investing - Theory, News & General
Topic: Rookie tIRA + E-Trade Question
Replies: 7
Views: 354

Re: Rookie tIRA + E-Trade Question

Which funds are they? People here might be able to suggest similar funds or ETFs that you can use instead, while you build up towards the required minimums.
by 22twain
Wed Mar 14, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: Transferring Content (Super Bowl LII) from DVR to DVD
Replies: 13
Views: 1055

Re: Transferring Content (Super Bowl LII) from DVR to DVD

stargazer wrote:
Tue Mar 13, 2018 11:11 am
I recorded Super Bowl LII in its entirety on my cable TV DVR (Optimum)
High definition or standard definition?

I copied my HD recording of the game from my TiVo over to my computer via my home network using a program that connects to the TiVo. Total size is more than 35 gigabytes. :!:
by 22twain
Wed Mar 14, 2018 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: How are capital gains taxes computed?
Replies: 5
Views: 661

Re: How are capital gains atxes computed?

Are you investing in regular mutual funds, or in shares of individual stocks or ETFs?
by 22twain
Tue Mar 13, 2018 9:57 am
Forum: Investing - Theory, News & General
Topic: Skin In The Game [new N. Taleb book]
Replies: 23
Views: 3803

Re: Skin In The Game

AlohaJoe wrote:
Tue Mar 13, 2018 9:39 am
Advisors generally invest in exactly the same kinds of high-fee funds they put clients in.
So they have just as much trouble saving enough money for a yacht, as their customers do? :wink:

(...just thinking of Schwed's "Where Are the Customers' Yachts?")