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Forum: FIRE and Money 08-17-2015, 07:07 PM
Replies: 38
Views: 2,305
Posted By racy
I have no idea, but Vanguard has a research paper...

I have no idea, but Vanguard has a research paper on expected returns over the next decade. A quote, "...simulations indicate that the average annualized returns of a 60% equity/40% bond portfolio...
Forum: FIRE and Money 07-26-2015, 02:02 PM
Replies: 64
Views: 5,483
Posted By racy
I've found this to be helpful for predicting...

I've found this to be helpful for predicting market directions, but it may not be for everybody:
Welcome to Ask 8-Ball, The Ultimate Online Oracle (http://www.ask8ball.net/)
Forum: FIRE and Money 07-26-2015, 10:44 AM
Replies: 64
Views: 5,483
Posted By racy
I have been investing for 39 years and have...

I have been investing for 39 years and have learned:
(1) I'm not smart enough to pick individual stocks,
(2) I can't predict the activity of bears & bulls, and
(3) eventually greed always wins...
Forum: FIRE and Money 07-06-2015, 02:48 PM
Replies: 59
Views: 3,872
Posted By racy
No. There are two of us: 1 crossover, 1 coupe, 1...

No. There are two of us: 1 crossover, 1 coupe, 1 pickup & 2 motorcycles. And, may buy another motorcycle.
Forum: FIRE and Money 07-06-2015, 02:40 PM
Replies: 33
Views: 2,317
Posted By racy
Cash options that readily come to mind: CDs,...

Cash options that readily come to mind: CDs, online checking & savings that pay some interest (i.e. Ally Bank), Money Market funds.
Personally, I use Vanguard Short Term Corporate Bond fund, VFSUX. ...
Forum: FIRE and Money 06-14-2015, 01:52 PM
Replies: 261
Views: 15,780
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: 996
Posted By racy
+1

+1
Forum: FIRE and Money 05-12-2015, 12:38 PM
Replies: 36
Views: 2,004
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: 5,586
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: 2,717
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: 5,067
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: 2,036
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: 5,366
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: 870
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: 895
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: 2,962
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: 1,025
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: 1,271
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: 2,851
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: 6,056
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: 6,056
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: 1,102
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: 5,209
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: 1,670
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: 2,616
Posted By racy
I'm feeling sorry for the carpet.....

I'm feeling sorry for the carpet.....
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