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Forum: FIRE and Money 02-06-2016, 07:30 AM
Replies: 87
Views: 4,614
Posted By racy
26%. I include my Short-term Investment Grade...

26%. I include my Short-term Investment Grade Bond fund in this number. I want my cash to keep up with inflation. No plan to change.
Forum: FIRE and Money 01-29-2016, 07:11 AM
Replies: 20
Views: 1,296
Posted By racy
I listen weekly, too. I think he's pretty...

I listen weekly, too. I think he's pretty straight up. However, like he says, I have "the time, the interest and the ability" to do my own investing, so I don't have any money with him either. I...
Forum: FIRE and Money 01-29-2016, 06:05 AM
Replies: 27
Views: 1,476
Posted By racy
If he's worried about the short term in the stock...

If he's worried about the short term in the stock market, then my advice is to stay out of the market. This college grad needs more education about volatility and the foolishness of trying to time...
Forum: FIRE and Money 01-20-2016, 06:36 PM
Replies: 30
Views: 1,489
Posted By racy
"The survey shows that a very significant...

"The survey shows that a very significant minority of American households apparently don't have the resources to pay for an unexpected expense of around $1,000," ....

ummm.... wondering how many...
Forum: FIRE and Money 01-10-2016, 12:02 PM
Replies: 54
Views: 2,027
Posted By racy
T. Rowe Price's Health Sciences Fund, PRHSX,...

T. Rowe Price's Health Sciences Fund, PRHSX, 12.98%. On the other hand, my health insurance went up $104 per month.

If ya can't beat em, join em!
Forum: FIRE and Money 11-29-2015, 07:18 AM
Replies: 58
Views: 3,504
Posted By racy
You've got "7 figures available", so you'd...

You've got "7 figures available", so you'd qualify for free Flagship Services at Vanguard. Info at this link: ...
Forum: FIRE and Money 11-27-2015, 07:06 AM
Replies: 36
Views: 3,784
Posted By racy
...you find yourself being passed by 90% of the...

...you find yourself being passed by 90% of the vehicles on the road.
Forum: FIRE and Money 11-27-2015, 06:28 AM
Replies: 134
Views: 7,508
Posted By racy
I've collected some forecasts made in the past...

I've collected some forecasts made in the past several years:
* 2012 - J. Bogle - 7% stocks, 3% bonds, nominal, for the next decade.
* 2014 - Vanguard - a 60/40 portfolio will return 3.1%-5.2%...
Forum: FIRE and Money 10-31-2015, 09:25 AM
Replies: 48
Views: 3,211
Posted By racy
Our retirement portfolio has a mix of bond funds:...

Our retirement portfolio has a mix of bond funds: short term investment grade, Wellesley-managed intermediate term, interenational total bond, intermediate term corp, and high yield. The weighted...
Forum: FIRE and Money 10-20-2015, 06:10 AM
Replies: 71
Views: 4,646
Posted By racy
Now for something completely different... ...

Now for something completely different...

Call Vanguard and put it all in Wellesley.
*You'll save on fees.
*You'll get inflation protection since the fund is 36% stock.
*You'll get income...
Forum: FIRE and Money 10-17-2015, 09:16 AM
Replies: 76
Views: 3,277
Posted By racy
Sounds to me like 'odd one' has a mental illness,...

Sounds to me like 'odd one' has a mental illness, specifically a Delusional Disorder called Persecutory Type.
Forum: FIRE and Money 10-01-2015, 07:03 PM
Replies: 30
Views: 2,444
Posted By racy
I remember my click moment 3 years ago. I was...

I remember my click moment 3 years ago. I was floating in a lounge chair in our lake with my wife, beer in hand,.. and realized "I don't have to put up with the megacorp BS anymore; I can retire if...
Forum: FIRE and Money 08-17-2015, 08:07 PM
Replies: 38
Views: 2,718
Posted By racy
I have no idea, but Vanguard has a research paper...

I have no idea, but Vanguard has a research paper on expected returns over the next decade. A quote, "...simulations indicate that the average annualized returns of a 60% equity/40% bond portfolio...
Forum: FIRE and Money 07-26-2015, 03:02 PM
Replies: 64
Views: 5,971
Posted By racy
I've found this to be helpful for predicting...

I've found this to be helpful for predicting market directions, but it may not be for everybody:
Welcome to Ask 8-Ball, The Ultimate Online Oracle (http://www.ask8ball.net/)
Forum: FIRE and Money 07-26-2015, 11:44 AM
Replies: 64
Views: 5,971
Posted By racy
I have been investing for 39 years and have...

I have been investing for 39 years and have learned:
(1) I'm not smart enough to pick individual stocks,
(2) I can't predict the activity of bears & bulls, and
(3) eventually greed always wins...
Forum: FIRE and Money 07-06-2015, 03:48 PM
Replies: 61
Views: 4,825
Posted By racy
No. There are two of us: 1 crossover, 1 coupe, 1...

No. There are two of us: 1 crossover, 1 coupe, 1 pickup & 2 motorcycles. And, may buy another motorcycle.
Forum: FIRE and Money 07-06-2015, 03:40 PM
Replies: 33
Views: 2,455
Posted By racy
Cash options that readily come to mind: CDs,...

Cash options that readily come to mind: CDs, online checking & savings that pay some interest (i.e. Ally Bank), Money Market funds.
Personally, I use Vanguard Short Term Corporate Bond fund, VFSUX. ...
Forum: FIRE and Money 06-14-2015, 02:52 PM
Replies: 329
Views: 25,080
Posted By racy
I read this someplace and liked it. Here is one...

I read this someplace and liked it. Here is one guy's rationale for taking SS at age 70, after constructing these 4 scenarios:
1) Take SS at 62 and die sooner than average. -- I paid more into SS...
Forum: FIRE and Money 06-04-2015, 10:57 AM
Replies: 7
Views: 1,088
Posted By racy
+1

+1
Forum: FIRE and Money 05-12-2015, 01:38 PM
Replies: 36
Views: 2,170
Posted By racy
Here's a quick pros & cons article: Pros and Cons...

Here's a quick pros & cons article: Pros and Cons of Lump Sum and Annuity Pension Plans (http://moneyover55.about.com/od/preretirementplanning/a/lumpsumorannuity.htm)

I chose the lump sum, but...
Forum: Hi, I am... 05-07-2015, 04:14 AM
Replies: 58
Views: 6,004
Posted By racy
Hi yak, Here's something to play around with: ...

Hi yak,
Here's something to play around with: Find Your Spot | Find Your Spot (http://www.findyourspot.com/)
Forum: Hi, I am... 04-27-2015, 05:33 PM
Replies: 26
Views: 2,979
Posted By racy
Hi check, You probably won't get much commodity...

Hi check,
You probably won't get much commodity info here, but you might try this:
Commodity Futures Trading Forums (http://www.commoditycentral.com/commodity-trading-forums.htm)

good luck!
Forum: FIRE and Money 04-26-2015, 07:45 AM
Replies: 67
Views: 5,338
Posted By racy
We use 3 divisions of money: hers, his and ours. ...

We use 3 divisions of money: hers, his and ours. We don't question each others his/her spending. In our case we agree on the 'ours' which are big ticket items and our investment portfolio. ...
Forum: Hi, I am... 04-08-2015, 05:08 PM
Replies: 17
Views: 2,151
Posted By racy
[QUOTE=WhiskeyJack;1579564]... The only real...

[QUOTE=WhiskeyJack;1579564]... The only real variable to me is spending. ... After all these years of saving and watching the investment portfolio grow can I really make the transition to start...
Forum: FIRE and Money 04-03-2015, 11:22 AM
Replies: 40
Views: 5,696
Posted By racy
What's your favorite money podcast?

Mine is "Money For the Rest of Us", by J. David Stein. He's a former chief investment strategist and portfolio strategist, but retired early at age 48. He's very well-read and interesting to listen...
Showing results 1 to 25 of 385

 
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