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Search: Posts Made By: racy
Forum: Hi, I am... Yesterday, 10:36 AM
Replies: 11
Views: 664
Posted By racy
Hi Travelover, Good point. BTW, so does...

Hi Travelover,
Good point. BTW, so does EarlyRetirement.org
Forum: Hi, I am... Yesterday, 04:50 AM
Replies: 11
Views: 664
Posted By racy
Hi feeling, Have you ever seen this: Find...

Hi feeling,

Have you ever seen this: Find Your Spot | Find Your Spot (http://www.findyourspot.com/)
Forum: FIRE and Money 10-28-2014, 10:51 AM
Replies: 16
Views: 621
Posted By racy
Hi Young, Currently my spreadsheet is using 2%...

Hi Young,
Currently my spreadsheet is using 2% real for my 40/60 portfolio. However, this varies from time to time depending on my mood. (That's the beauty of a spreadsheet isn't it!).

Your 4%...
Forum: FIRE and Money 10-25-2014, 05:36 AM
Replies: 21
Views: 1,588
Posted By racy
The day after you'll find out where gravity is....

The day after you'll find out where gravity is. :coolsmiley:
Forum: FIRE and Money 10-25-2014, 04:58 AM
Replies: 104
Views: 4,649
Posted By racy
Hi World, Budgeting $12K. Overspent that last...

Hi World,
Budgeting $12K. Overspent that last year in Italy & w/e in Boston (flew), but didn't spend that much this year in Ireland & w/e in Kansas City (drove).

p.s. If you like 2 potato...
Forum: FIRE and Money 10-24-2014, 10:07 AM
Replies: 21
Views: 1,588
Posted By racy
An idea ..... have her input the variables into...

An idea ..... have her input the variables into FireCalc and other calculators, rather than trying to convince her yourself.
Forum: FIRE and Money 10-21-2014, 08:58 AM
Replies: 138
Views: 10,897
Posted By racy
I calculate my safe number as being a portfolio...

I calculate my safe number as being a portfolio where a 2% yield covers essential living expenses over and above SS.
Forum: FIRE and Money 10-17-2014, 11:42 AM
Replies: 5
Views: 636
Posted By racy
I personally like the Bangladesh Butter...

I personally like the Bangladesh Butter Production indicator. Take the change in butter production in Bangladesh and multiply it by two. This will give you the exact percentage by which the S&P 500...
Forum: Hi, I am... 10-13-2014, 09:00 AM
Replies: 15
Views: 1,435
Posted By racy
Hi sfig, The 4% rule came from work that...

Hi sfig,
The 4% rule came from work that William Bengen did in the '90s. Also, the 'rule' was based on a mix of equities and bonds. Bengen studied outcomes using stocks from 50% to 75%. He used...
Forum: FIRE and Money 10-06-2014, 07:33 AM
Replies: 121
Views: 6,361
Posted By racy
Hi Kannon, Here's a list of lazy portfolios...

Hi Kannon,
Here's a list of lazy portfolios with varying levels of complexity but all made up of Vanguard funds: Invest Simple with Lazy Portfolios - MarketWatch.com...
Forum: FIRE and Money 09-19-2014, 11:16 AM
Replies: 73
Views: 6,235
Posted By racy
* High deductible insurance (car, home,...

* High deductible insurance (car, home, health...)
* Fresh vegetables & fruits instead of packaged "foods". And, store brands instead of national brands for everything else.
* got rid of the...
Forum: FIRE and Money 08-14-2014, 09:01 AM
Replies: 20
Views: 1,493
Posted By racy
In June 2012, Jack Bogle predicted nominal...

In June 2012, Jack Bogle predicted nominal returns of 7% for equities and 3% for bonds, before costs, in the coming decade....
Forum: FIRE and Money 08-08-2014, 01:48 PM
Replies: 7
Views: 492
Posted By racy
...on the other hand, equities have returned...

...on the other hand, equities have returned better than 4.4% average. And, if you're figuring "about 10 years" you should be good in the market.
I believe the numbers will lead you to take the...
Forum: FIRE and Money 08-08-2014, 09:54 AM
Replies: 15
Views: 809
Posted By racy
I used the conversion calculator at Vanguard (...

I used the conversion calculator at Vanguard
( http://www.archimedes.com/vanguard/roth/RothConsumer.phtml ). A conversion doesn't seem to break even / payoff for me until I'm in my mid-90s. I'd...
Forum: FIRE and Money 08-05-2014, 06:49 AM
Replies: 13
Views: 816
Posted By racy
here's one source of info: Bogleheads...

here's one source of info: Bogleheads (http://www.bogleheads.org/wiki/Main_Page)
Forum: Hi, I am... 07-25-2014, 12:53 PM
Replies: 7
Views: 1,288
Posted By racy
Hi Whats, Let me introduce you to the...

Hi Whats,
Let me introduce you to the Bogleheads (followers of Jack Bogle):
Bogleheads Investing Advice and Info (http://www.bogleheads.org/)
Check out the tabs on that page: Forum • Wiki • ...
Forum: Hi, I am... 07-24-2014, 04:42 PM
Replies: 4
Views: 1,353
Posted By racy
Hi Schutzie, We'll need a little more info if...

Hi Schutzie,
We'll need a little more info if you want our help in your search. Age? Asset allocation? Annual living expenses?
p.s. Welcome!
Forum: Hi, I am... 07-24-2014, 05:26 AM
Replies: 13
Views: 1,680
Posted By racy
Hi Sailing, Welcome! You've identified some...

Hi Sailing,
Welcome! You've identified some risks but there are many more predicaments that could happen. Lest you forget:
https://www.youtube.com/watch?v=cfR7qxtgCgY
Forum: FIRE and Money 07-23-2014, 06:06 AM
Replies: 24
Views: 1,547
Posted By racy
I guess technically I "own" farmland via the...

I guess technically I "own" farmland via the Deeds of Trust we have. They're yielding 3.5% and make up part of our fixed income portfolio.
Forum: FIRE and Money 07-22-2014, 09:54 AM
Replies: 10
Views: 734
Posted By racy
Hi Takethis, I would never use life insurance...

Hi Takethis,
I would never use life insurance as an investment. To me insurance is a necessary evil for protecting against unusual, rare, worst-case scenarios....eventual death doesn't qualify in...
Forum: FIRE and Money 07-22-2014, 09:42 AM
Replies: 68
Views: 3,351
Posted By racy
Do magazines count? If so, I'd have to say...

Do magazines count? If so, I'd have to say Playboy. The mansion, cars, "etc", looked pretty good to a 15 year old farm boy. Motivated me to study how to build wealth.
Forum: Hi, I am... 07-17-2014, 12:26 PM
Replies: 32
Views: 2,227
Posted By racy
Made me think of that quote by Napoleon...

Made me think of that quote by Napoleon Bonaparte, "Religion is what keeps the poor from murdering the rich".

Maybe they were trying to ascertain your religiousness during those 3 hours and their...
Forum: Life after FIRE 07-04-2014, 05:55 AM
Replies: 35
Views: 1,675
Posted By racy
Hi Deb, If you're not insuring against a loss...

Hi Deb,
If you're not insuring against a loss of needed income, then you don't need 'life' insurance. Since you're examining expenses, have you looked at car insurance lately? (ie paying...
Forum: FIRE and Money 06-30-2014, 05:23 AM
Replies: 14
Views: 1,197
Posted By racy
Hi nu, here're some more portfolios: Invest...

Hi nu,
here're some more portfolios: Invest Simple with Lazy Portfolios - MarketWatch.com (http://www.marketwatch.com/lazyportfolio)
Forum: FIRE and Money 06-25-2014, 07:41 PM
Replies: 48
Views: 3,575
Posted By racy
+1 Might as well take some of the paper gains and...

+1 Might as well take some of the paper gains and turn them into something solid to play with, while you have the chance.
Showing results 1 to 25 of 317

 
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