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Search: Posts Made By: racy
Forum: FIRE and Money 02-26-2015, 11:52 AM
Replies: 21
Views: 1,334
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, 11:08 AM
Replies: 23
Views: 2,260
Posted By racy
I'm feeling sorry for the carpet.....

I'm feeling sorry for the carpet.....
Forum: Hi, I am... 02-09-2015, 04:03 AM
Replies: 8
Views: 1,152
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, 10:05 AM
Replies: 49
Views: 4,343
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, 04:14 AM
Replies: 22
Views: 1,595
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, 11:46 AM
Replies: 9
Views: 854
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, 03:16 PM
Replies: 7
Views: 916
Posted By racy
Personal Finance 101 should be a required subject...

Personal Finance 101 should be a required subject in high school.
Forum: FIRE and Money 02-01-2015, 11:17 AM
Replies: 9
Views: 1,003
Posted By racy
Hi Almost, It's kind of hard to answer not...

Hi Almost,
It's kind of hard to answer not knowing your desired allocation or what your risk tolerance is.
So, my only advice is diversify. Do you have Int'l stocks, REITs, Small Value,..these...
Forum: FIRE and Money 01-31-2015, 06:58 PM
Replies: 9
Views: 685
Posted By racy
Hi Utrecht, I gather you want to see compound...

Hi Utrecht,
I gather you want to see compound annual growth rate (CAGR) without the impact of cash inflows and outflows. A pod caster I follow (J. David Stein) has a video & a downloadable Excel...
Forum: FIRE and Money 01-28-2015, 01:41 PM
Replies: 22
Views: 1,013
Posted By racy
+1 Check the warnings from FINRA (FInancial...

+1
Check the warnings from FINRA (FInancial Industry Regulatory Authority) re: non-traded REITs: Investor Alert - Public Non-Traded REITs?Perform a Careful Review Before Investing - FINRA...
Forum: Hi, I am... 01-09-2015, 04:25 AM
Replies: 13
Views: 1,099
Posted By racy
Liz, If you haven't already Googled and...

Liz,
If you haven't already Googled and Eureka'd on "the magic of compound interest", do so. Time is another of your assets!
Good luck!
Forum: FIRE and Money 01-02-2015, 03:06 PM
Replies: 93
Views: 4,757
Posted By racy
7.2% on moderately conservative portfolio of 44%...

7.2% on moderately conservative portfolio of 44% equities, 56% bonds (predominately short term). With inflation running under 2%, I'm satisfied and sleep well.
Forum: FIRE and Money 01-02-2015, 02:31 PM
Replies: 92
Views: 3,754
Posted By racy
IF you've got the future planned for and getting...

IF you've got the future planned for and getting it funded, then sure, splurge once in awhile! What's the point of money if you're not going to enjoy some of it?
I just bought a new Honda dirt...
Forum: Hi, I am... 12-27-2014, 06:55 PM
Replies: 14
Views: 2,153
Posted By racy
Hi Hatch, No, I haven't, but there are web...

Hi Hatch,

No, I haven't, but there are web calculators for cost of living comparisons, such as: Relocation Essentials (http://www.relocationessentials.com/aff/www/tools/salary/col.aspx)

Good...
Forum: Hi, I am... 12-25-2014, 07:28 PM
Replies: 10
Views: 728
Posted By racy
Building on Midpack's Boglehead suggestion,...

Building on Midpack's Boglehead suggestion, here's a link to 10 short videos on their simple investment principles (scroll down). Each video is only 5 minutes long and designed for beginners. ...
Forum: FIRE and Money 12-15-2014, 02:19 PM
Replies: 16
Views: 868
Posted By racy
It'd be "perfect timing" if your tank runs dry...

It'd be "perfect timing" if your tank runs dry tomorrow.
Forum: Hi, I am... 12-12-2014, 04:15 AM
Replies: 35
Views: 2,031
Posted By racy
Hi Taxman, As usual(?), your DW is probably...

Hi Taxman,
As usual(?), your DW is probably right.
You say you wouldn't mind some more cash, you like problem solving and enjoy some of your colleagues. Maybe, deep down you'd like to take the...
Forum: FIRE and Money 12-09-2014, 03:35 PM
Replies: 31
Views: 1,954
Posted By racy
Both, portfolio is: 43% indexed stocks 19%...

Both, portfolio is:
43% indexed stocks
19% managed stocks
6% indexed bonds
32% managed bonds
Forum: Hi, I am... 12-06-2014, 11:01 AM
Replies: 23
Views: 3,060
Posted By racy
+1

+1
Forum: FIRE and Money 12-03-2014, 05:29 PM
Replies: 45
Views: 5,026
Posted By racy
I remember exactly when & why I decided. I was...

I remember exactly when & why I decided. I was floating on a lounger in our lake with DW, having a cold brew, and I suddenly realized, "I don't have to work; I've had enough and we have enough".
...
Forum: FIRE and Money 11-30-2014, 06:44 AM
Replies: 19
Views: 1,195
Posted By racy
my opinion... If you can manage money, then...

my opinion...
If you can manage money, then take the lump sum. If not, then choose J&S option.
Forum: FIRE and Money 11-23-2014, 12:42 PM
Replies: 27
Views: 2,494
Posted By racy
Here's an article you might like: How to...

Here's an article you might like: How to Calculate Social Security Benefits (http://moneyover55.about.com/od/socialsecuritybenefits/ss/How-To-Calculate-Social-Security-Benefit.htm)
Forum: Hi, I am... 11-23-2014, 12:15 PM
Replies: 72
Views: 7,254
Posted By racy
+1

+1
Forum: Hi, I am... 11-23-2014, 11:59 AM
Replies: 23
Views: 3,060
Posted By racy
Hi Alderman, I don't know what you mean...

Hi Alderman,
I don't know what you mean exactly. But, when you read about "safe withdrawal rates" of 3-4%, it assumes equities are 40-60% of your retirement portfolio. Plan on investing in stocks...
Forum: Hi, I am... 11-23-2014, 06:51 AM
Replies: 15
Views: 2,644
Posted By racy
Good luck on your odyssey!

Good luck on your odyssey!
Showing results 1 to 25 of 350

 
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