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Forum: Hi, I am... Today, 06:51 AM
Replies: 3
Views: 334
Posted By racy
Good luck on your odyssey!

Good luck on your odyssey!
Forum: FIRE and Money 11-16-2014, 01:38 PM
Replies: 4
Views: 499
Posted By racy
Dana Anspach at Money Over 55 has this article...

Dana Anspach at Money Over 55 has this article and movie on bucket strategies:
Is Reliable Retirement Plan Income Worth Your Time?...
Forum: FIRE and Money 11-16-2014, 01:20 PM
Replies: 17
Views: 826
Posted By racy
Yes, I prefer a short term bond fund to savings...

Yes, I prefer a short term bond fund to savings or CDs. I'm more comfortable with a little volatility in price and getting dividend income on par with inflation than the alternative of locking in...
Forum: Hi, I am... 11-16-2014, 06:33 AM
Replies: 31
Views: 2,264
Posted By racy
Hi fire, With financial independence you can...

Hi fire,
With financial independence you can now choose how to spend your time, including whether to w*rk. W*rk is an option, but with FI you can find something you like. And, you can switch jobs...
Forum: Hi, I am... 11-14-2014, 03:26 PM
Replies: 9
Views: 653
Posted By racy
Hi Kite, Congrats and welcome! We could be...

Hi Kite,
Congrats and welcome! We could be brothers from other mothers: worked since 8 (farm chores), Miata owner, motorcycle enthusiast, working wife who spoils kids...

What do I do to be...
Forum: Hi, I am... 11-12-2014, 05:46 PM
Replies: 17
Views: 1,080
Posted By racy
kag, re: about your salary I assume you...

kag,

re: about your salary

I assume you have an annual performance review. My advice (having been a mega corp mgr in my former w*rk life) is to make sure to document the ways you are adding...
Forum: FIRE and Money 11-09-2014, 08:14 AM
Replies: 5
Views: 649
Posted By racy
Hi Fed, Take a look at Lazy Portfolios....

Hi Fed,

Take a look at Lazy Portfolios. Invest Simple with Lazy Portfolios - MarketWatch.com (http://www.marketwatch.com/lazyportfolio)

They're simple, using well-diversified funds with...
Forum: Hi, I am... 11-09-2014, 07:11 AM
Replies: 17
Views: 1,080
Posted By racy
Hi kag, I use to say the same thing. Due to...

Hi kag,
I use to say the same thing. Due to your young age and interest in wealth, I predict that one day you'll be enjoying new sports cars, motorcycles or Dodge trucks if that's your thing!
...
Forum: Hi, I am... 11-05-2014, 03:43 PM
Replies: 9
Views: 1,080
Posted By racy
Hi Hyper, Here are 10 short videos that are...

Hi Hyper,
Here are 10 short videos that are packed with information on how to invest in a way that has shown over time to produce good results: Video:Bogleheads® investment philosophy - Bogleheads...
Forum: Hi, I am... 10-31-2014, 11:36 AM
Replies: 11
Views: 957
Posted By racy
Hi Travelover, Good point. BTW, so does...

Hi Travelover,
Good point. BTW, so does EarlyRetirement.org
Forum: Hi, I am... 10-31-2014, 05:50 AM
Replies: 11
Views: 957
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, 11:51 AM
Replies: 16
Views: 684
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, 06:36 AM
Replies: 21
Views: 1,677
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, 05:58 AM
Replies: 104
Views: 4,911
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, 11:07 AM
Replies: 21
Views: 1,677
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, 09:58 AM
Replies: 138
Views: 11,509
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, 12:42 PM
Replies: 5
Views: 657
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, 10:00 AM
Replies: 15
Views: 1,492
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, 08:33 AM
Replies: 121
Views: 6,568
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, 12:16 PM
Replies: 73
Views: 6,350
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, 10:01 AM
Replies: 20
Views: 1,518
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, 02:48 PM
Replies: 7
Views: 501
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, 10:54 AM
Replies: 15
Views: 816
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, 07:49 AM
Replies: 13
Views: 845
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, 01:53 PM
Replies: 7
Views: 1,306
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 • ...
Showing results 1 to 25 of 326

 
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