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Forum: FIRE and Money Today, 07:03 AM
Replies: 21
Views: 761
Posted By racy
I've collected what various experts recommend;...

I've collected what various experts recommend; some use time others use percent. Some are very specific, some advise ranges:

1-3 yrs. Bob Clyatt, Work Less, Live More
4 yrs. Jim Otar (in Dec...
Forum: Hi, I am... 05-16-2013, 05:36 PM
Replies: 78
Views: 4,064
Posted By racy
The megacorp I worked for did alot of medical...

The megacorp I worked for did alot of medical device manufacturing. They took the functions of Human Resources, Finance and General Services (Buyers) out of the various plants and consolidated them...
Forum: Hi, I am... 05-12-2013, 05:24 AM
Replies: 78
Views: 4,064
Posted By racy
Yep, been there, done that. The "centers of...

Yep, been there, done that. The "centers of excellence" is ripe for Dilbert:
http://dilbert.com/dyn/str_strip/000000000/00000000/0000000/000000/30000/5000/800/35832/35832.strip.zoom.gif
Forum: Hi, I am... 05-07-2013, 05:37 AM
Replies: 16
Views: 797
Posted By racy
Giro, Following up on what BigNick said, I...

Giro,
Following up on what BigNick said, I suggest you setup up your investments to be automatic. This way you'll pay yourself first.
Forum: FIRE and Money 04-28-2013, 06:05 AM
Replies: 13
Views: 596
Posted By racy
Check out what Bogle says about the "tyranny of...

Check out what Bogle says about the "tyranny of compound costs": The Tyranny of Compounding Costs | Above the Market (http://rpseawright.wordpress.com/2013/04/25/the-tyranny-of-compounding-costs/)
Forum: FIRE and Money 04-25-2013, 06:01 PM
Replies: 203
Views: 15,027
Posted By racy
Good for you. Likewise, I would meet with all...

Good for you. Likewise, I would meet with all new employees in my mfg department and show them a personalized forecast of wealth (using their age & wage, etc.) if they participated in our 401k. ...
Forum: FIRE and Money 04-24-2013, 06:51 PM
Replies: 203
Views: 15,027
Posted By racy
It's too bad that there's no formal educational...

It's too bad that there's no formal educational courses for personal finance in school. It's left up to the financially curious individual to figure it out on their own ... and too many aren't...
Forum: Hi, I am... 04-22-2013, 02:23 PM
Replies: 4
Views: 223
Posted By racy
Leo, Relax, you're doing fine. You're tuned-in...

Leo,
Relax, you're doing fine. You're tuned-in to financial planning and that's way ahead of most people ... regardless of age. My suggestion is to begin learning more about financial planning. I...
Forum: Hi, I am... 04-22-2013, 02:03 PM
Replies: 4
Views: 501
Posted By racy
just curious ... what highway are you taking home...

just curious ... what highway are you taking home from work at night?
Forum: FIRE and Money 04-20-2013, 07:35 PM
Replies: 25
Views: 1,215
Posted By racy
Eddie, Since you find this stuff "boring", you...

Eddie,
Since you find this stuff "boring", you might want to keep things simple with a 3-fund portfolio (as opposed to a 'slice & dice' one). Check out the Boglehead's site for info on both....
Forum: FIRE and Money 04-20-2013, 06:13 AM
Replies: 64
Views: 2,620
Posted By racy
Was a test subject for pharmacological studies in...

Was a test subject for pharmacological studies in college. Typically check-in on a Friday night and get out Saturday or Sunday. Spent the time watching TV, reading, napping and having blood samples...
Forum: FIRE and Money 04-17-2013, 07:40 PM
Replies: 154
Views: 8,012
Posted By racy
LX

LX
Forum: Hi, I am... 04-17-2013, 06:02 AM
Replies: 11
Views: 473
Posted By racy
With your attitude and understanding, at your...

With your attitude and understanding, at your age, you've got it made!

I'm "further along in the process" (aka old) so here are some things I regret that I'll pass along:
* Carried credit card...
Forum: Hi, I am... 04-16-2013, 05:48 PM
Replies: 22
Views: 1,209
Posted By racy
Get a dog. You can share your non-productivity...

Get a dog. You can share your non-productivity and nap together.

http://ts4.mm.bing.net/th?id=H.4742082985526231&pid=1.7&w=156&h=153&c=7&rs=1
Forum: Hi, I am... 04-13-2013, 06:01 AM
Replies: 22
Views: 1,373
Posted By racy
Here's where I monitor Lazy Portfolios. Note...

Here's where I monitor Lazy Portfolios. Note that half of them are using REITs.
Invest Simple with Lazy Portfolios - MarketWatch.com (http://www.marketwatch.com/lazyportfolio)
Forum: FIRE and Money 04-10-2013, 07:42 PM
Replies: 15
Views: 895
Posted By racy
Vanguard has a research paper that may be of...

Vanguard has a research paper that may be of interest:
https://personal.vanguard.com/pdf/s557.pdf

Here's a quote:
Finally, in most cases, taxable investors should plan
to spend from their...
Forum: FIRE and Money 04-09-2013, 03:14 AM
Replies: 59
Views: 2,796
Posted By racy
Sounds to me like you want the hand holding but...

Sounds to me like you want the hand holding but not the cost & sales pitches. You might consider switching to a fee based planner who won't be pressuring you to buy his stuff.
Forum: FIRE and Money 04-08-2013, 06:00 AM
Replies: 15
Views: 397
Posted By racy
I put together a list of the various...

I put together a list of the various recommendations I could find, to wit:

1-3 yrs - Bob Clyatt
4 yrs - Jim Otar
2-5 yrs - William Bernstein
6.25 yrs - William Bengen
+/- 10% - Harry...
Forum: FIRE and Money 04-07-2013, 05:29 PM
Replies: 44
Views: 1,920
Posted By racy
We used a fee-based planner once. As a result of...

We used a fee-based planner once. As a result of the analysis of our finances we discovered the high fees being charged DW's employer for their 401k. When she mentioned this & suggested switching...
Forum: Life after FIRE 04-07-2013, 06:20 AM
Replies: 69
Views: 4,394
Posted By racy
From the responses here, it looks like I waited...

From the responses here, it looks like I waited till old age to retire! Retired from megacorp 38 days ago at age 60.

It was a good decision; I'd reached a point in my career where I'd had...
Forum: Hi, I am... 03-24-2013, 10:47 AM
Replies: 9
Views: 1,159
Posted By racy
Calculate your Social Security benefits: How...

Calculate your Social Security benefits:

How to Calculate Social Security Benefits - A Step by Step Guide...
Forum: FIRE and Money 03-21-2013, 06:16 AM
Replies: 38
Views: 1,626
Posted By racy
I have Wellesley managing 25% of my bond...

I have Wellesley managing 25% of my bond allocation, the rest in short term and intermediate term index funds. Hopefully, staying away from longer durations and having some professional help will...
Forum: FIRE and Money 03-21-2013, 05:56 AM
Replies: 38
Views: 1,626
Posted By racy
25% of our 40 stock/60 bond portfolio is in...

25% of our 40 stock/60 bond portfolio is in Wellesley, the rest in index funds. So, we have professional management of 25% of our bonds and 25% of our stocks.
Forum: FIRE and Money 03-21-2013, 05:34 AM
Replies: 163
Views: 15,265
Posted By racy
We paid off the mortgage yesterday! We started...

We paid off the mortgage yesterday! We started making big extra payments January 2010 on our 5.25% loan to get rid of the mortgage at my retirement. We didn't reduce our monthly expenses however:...
Forum: Hi, I am... 03-09-2013, 07:24 AM
Replies: 18
Views: 1,139
Posted By racy
Burp, Your original question makes me think...

Burp,

Your original question makes me think you could benefit from these 10 short videos:
Video:Bogleheads® investment philosophy - Bogleheads...
Showing results 1 to 25 of 145
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