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Forum: FIRE and Money 06-14-2015, 01:52 PM
Replies: 186
Views: 9,639
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, 09:57 AM
Replies: 7
Views: 944
Posted By racy
+1

+1
Forum: FIRE and Money 05-12-2015, 12:38 PM
Replies: 36
Views: 1,865
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, 03:14 AM
Replies: 58
Views: 5,056
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, 04:33 PM
Replies: 26
Views: 2,568
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, 06:45 AM
Replies: 67
Views: 4,946
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, 04:08 PM
Replies: 17
Views: 1,978
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, 10:22 AM
Replies: 40
Views: 5,133
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...
Forum: FIRE and Money 03-31-2015, 10:19 AM
Replies: 11
Views: 794
Posted By racy
I'm also using Ally, both checking and savings...

I'm also using Ally, both checking and savings accounts. Love the free, anywhere, ATMs, too! Easy to use web interface. They have a very helpful chat service and good rates.
Forum: Hi, I am... 03-30-2015, 02:37 PM
Replies: 8
Views: 871
Posted By racy
https://personal.vanguard.com/pdf/s557.pdf ...

https://personal.vanguard.com/pdf/s557.pdf
Scroll down to page 4 and read the paragraph, "The Mechanics of the Total Return Approach to Spending". This explains how to obtain your desired spending...
Forum: Hi, I am... 03-30-2015, 02:29 PM
Replies: 22
Views: 2,876
Posted By racy
What? are you crazy?! I married a working girl...

What? are you crazy?! I married a working girl because I needed 2 incomes to support my lifestyle! :coolsmiley:
I made a good choice: I'm retired and she's still working.
Forum: Hi, I am... 03-29-2015, 07:25 AM
Replies: 5
Views: 963
Posted By racy
Hi rebar, One thing you could do is replicate...

Hi rebar,
One thing you could do is replicate what the professions at Vanguard do in their Target Retirement funds. Here's a link that'll help find the right one:...
Forum: Hi, I am... 03-27-2015, 10:53 AM
Replies: 12
Views: 1,227
Posted By racy
Hi Runner, You're not giving us much to go...

Hi Runner,

You're not giving us much to go on. But, here's a basic financial consideration: do you have 25X the amount you'll need to spend invested in a portfolio of at least 40% stock? If so...
Forum: FIRE and Money 03-24-2015, 12:01 PM
Replies: 19
Views: 2,806
Posted By racy
The article seemed very negative on the potential...

The article seemed very negative on the potential for an average person to reach $1 million. I call BS. It's not that hard.

For example a 26 yo factory worker making $29,000, getting a 2.7%...
Forum: FIRE and Money 03-24-2015, 11:48 AM
Replies: 83
Views: 5,912
Posted By racy
Hi W2R, Maybe in your situation you don't need...

Hi W2R,
Maybe in your situation you don't need to pay attention to returns in retirement, but I think many do in order to keep pace with inflation. One doesn't need to work to watch expected...
Forum: FIRE and Money 03-24-2015, 11:24 AM
Replies: 83
Views: 5,912
Posted By racy
Hi palo, My expected return depends on my mood...

Hi palo,
My expected return depends on my mood at the time (from greedy to fearful and points between); just change the number on the ol' spreadsheet. Generally, I'm very conservative: the current...
Forum: Hi, I am... 03-24-2015, 10:50 AM
Replies: 9
Views: 1,076
Posted By racy
Hi, At your young age I would definitely NOT...

Hi,
At your young age I would definitely NOT be pre-paying more on my mortgage. I would be investing it instead. I'd much rather have that money getting me 6-10% and compounding rather than paying...
Forum: FIRE and Money 03-07-2015, 03:55 AM
Replies: 49
Views: 5,079
Posted By racy
Hi bob, Let's get to the important stuff: post...

Hi bob,
Let's get to the important stuff: post a pic of your bike!
Forum: FIRE and Money 02-26-2015, 10:52 AM
Replies: 21
Views: 1,593
Posted By racy
Hi jIm, Take a look at these lazy portfolios...

Hi jIm,
Take a look at these lazy portfolios (click on each one to see the holdings in each): Invest Simple with Lazy Portfolios - MarketWatch.com (http://www.marketwatch.com/lazyportfolio)
Some...
Forum: FIRE and Money 02-26-2015, 10:08 AM
Replies: 23
Views: 2,572
Posted By racy
I'm feeling sorry for the carpet.....

I'm feeling sorry for the carpet.....
Forum: Hi, I am... 02-09-2015, 03:03 AM
Replies: 8
Views: 1,317
Posted By racy
Hi Doug, If you want to save yourself $5000 or...

Hi Doug,
If you want to save yourself $5000 or more per year in FA fees, then just replicate a Vanguard LifeStrategy fund for your IRAs. These are "funds of funds", ie an LS funds holds 4-5 other...
Forum: FIRE and Money 02-08-2015, 09:05 AM
Replies: 49
Views: 4,781
Posted By racy
Hi Carioca, Vanguard Investment Counseling &...

Hi Carioca,

Vanguard Investment Counseling & Research has a paper on the most tax efficient method of spending from a portfolio. Maybe you'll find it helpful. Here's a quote:

"The Mechanics...
Forum: Hi, I am... 02-06-2015, 03:14 AM
Replies: 22
Views: 1,769
Posted By racy
Hi Bulbar, Personally, I chose the lump sum. I...

Hi Bulbar,
Personally, I chose the lump sum. I figured I could handle the responsibility of investing it for a long term retirement. I'd rather have the money than trust the company to keep their...
Forum: Hi, I am... 02-03-2015, 10:46 AM
Replies: 9
Views: 922
Posted By racy
Hi Weezie, This isn't exactly the same as your...

Hi Weezie,
This isn't exactly the same as your question, but may be helpful at 1:05 into the video: https://www.youtube.com/watch?v=hehGSL8dAFM
Forum: FIRE and Money 02-02-2015, 02:16 PM
Replies: 7
Views: 1,038
Posted By racy
Personal Finance 101 should be a required subject...

Personal Finance 101 should be a required subject in high school.
Showing results 1 to 25 of 368

 
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