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Forum: Hi, I am... Today, 02:37 PM
Replies: 8
Views: 607
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... Today, 02:29 PM
Replies: 17
Views: 724
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... Yesterday, 07:25 AM
Replies: 5
Views: 662
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: 11
Views: 834
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: 2,539
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: 79
Views: 4,507
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: 79
Views: 4,507
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: 972
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: 4,680
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: 1,423
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: 2,421
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: 1,200
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: 4,479
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: 1,662
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: 875
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: 960
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, 10:17 AM
Replies: 9
Views: 1,061
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, 05:58 PM
Replies: 9
Views: 715
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, 12:41 PM
Replies: 22
Views: 1,075
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, 03:25 AM
Replies: 13
Views: 1,123
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, 02:06 PM
Replies: 93
Views: 4,914
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, 01:31 PM
Replies: 104
Views: 5,834
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, 05:55 PM
Replies: 14
Views: 2,198
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, 06:28 PM
Replies: 10
Views: 753
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, 01:19 PM
Replies: 16
Views: 882
Posted By racy
It'd be "perfect timing" if your tank runs dry...

It'd be "perfect timing" if your tank runs dry tomorrow.
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