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Search: Posts Made By: racy
Forum: Hi, I am... 07-25-2014, 12:53 PM
Replies: 3
Views: 634
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 • ...
Forum: Hi, I am... 07-24-2014, 04:42 PM
Replies: 4
Views: 1,025
Posted By racy
Hi Schutzie, We'll need a little more info if...

Hi Schutzie,
We'll need a little more info if you want our help in your search. Age? Asset allocation? Annual living expenses?
p.s. Welcome!
Forum: Hi, I am... 07-24-2014, 05:26 AM
Replies: 13
Views: 1,362
Posted By racy
Hi Sailing, Welcome! You've identified some...

Hi Sailing,
Welcome! You've identified some risks but there are many more predicaments that could happen. Lest you forget:
https://www.youtube.com/watch?v=cfR7qxtgCgY
Forum: FIRE and Money 07-23-2014, 06:06 AM
Replies: 24
Views: 1,382
Posted By racy
I guess technically I "own" farmland via the...

I guess technically I "own" farmland via the Deeds of Trust we have. They're yielding 3.5% and make up part of our fixed income portfolio.
Forum: FIRE and Money 07-22-2014, 09:54 AM
Replies: 10
Views: 615
Posted By racy
Hi Takethis, I would never use life insurance...

Hi Takethis,
I would never use life insurance as an investment. To me insurance is a necessary evil for protecting against unusual, rare, worst-case scenarios....eventual death doesn't qualify in...
Forum: FIRE and Money 07-22-2014, 09:42 AM
Replies: 68
Views: 3,051
Posted By racy
Do magazines count? If so, I'd have to say...

Do magazines count? If so, I'd have to say Playboy. The mansion, cars, "etc", looked pretty good to a 15 year old farm boy. Motivated me to study how to build wealth.
Forum: Hi, I am... 07-17-2014, 12:26 PM
Replies: 32
Views: 2,057
Posted By racy
Made me think of that quote by Napoleon...

Made me think of that quote by Napoleon Bonaparte, "Religion is what keeps the poor from murdering the rich".

Maybe they were trying to ascertain your religiousness during those 3 hours and their...
Forum: Life after FIRE 07-04-2014, 05:55 AM
Replies: 35
Views: 1,565
Posted By racy
Hi Deb, If you're not insuring against a loss...

Hi Deb,
If you're not insuring against a loss of needed income, then you don't need 'life' insurance. Since you're examining expenses, have you looked at car insurance lately? (ie paying...
Forum: FIRE and Money 06-30-2014, 05:23 AM
Replies: 14
Views: 1,099
Posted By racy
Hi nu, here're some more portfolios: Invest...

Hi nu,
here're some more portfolios: Invest Simple with Lazy Portfolios - MarketWatch.com (http://www.marketwatch.com/lazyportfolio)
Forum: FIRE and Money 06-25-2014, 07:41 PM
Replies: 48
Views: 3,288
Posted By racy
+1 Might as well take some of the paper gains and...

+1 Might as well take some of the paper gains and turn them into something solid to play with, while you have the chance.
Forum: Hi, I am... 06-18-2014, 04:53 AM
Replies: 14
Views: 1,268
Posted By racy
Hi Fed, The Mortgage Professor has some...

Hi Fed,
The Mortgage Professor has some questions/answers that might be of interest:
Mortgage Prepayment (Paying Off Early) - The Mortgage Professor (http://mtgprofessor.com/early_payoff.htm)
Forum: Health and Early Retirement 05-28-2014, 05:49 PM
Replies: 1,169
Views: 41,381
Posted By racy
2 - 3.5 miles on treadmill every morning. 2 mile...

2 - 3.5 miles on treadmill every morning. 2 mile walk around our lake every afternoon, rain, snow, heat, whatever.
Forum: FIRE and Money 05-27-2014, 07:32 AM
Replies: 8
Views: 508
Posted By racy
+1 USBank, for one, has this feature. It's not a...

+1 USBank, for one, has this feature. It's not a budgeting app the OP seeks, but can prevent overdrafts. At USBank you can set the low balance amount that you want to trigger the phone alert.
Forum: Health and Early Retirement 05-26-2014, 06:37 AM
Replies: 77
Views: 2,670
Posted By racy
update... 4.1 weeks now without a ciggy! I like...

update... 4.1 weeks now without a ciggy! I like to chart progress towards goals (vestigial from megacorp life I suppose). Found this & copied to a spreadsheet. As incremental time posts are...
Forum: FIRE and Money 05-25-2014, 10:17 AM
Replies: 25
Views: 1,789
Posted By racy
Mine included: * (personally) work a minimum of...

Mine included:
* (personally) work a minimum of 35 years to maximize Social Security
* pay off the mortgage
* get my last kid through college (ie off my payroll!)
* if you have restricted stock...
Forum: Hi, I am... 05-24-2014, 04:18 PM
Replies: 17
Views: 1,266
Posted By racy
Hi Ready, Are you missing anything?...

Hi Ready,
Are you missing anything? Possibly..... since most of your assets are in tax deferred, be sure to include taxes as an expense item in FireCALC. You're probably looking at near $10,000 as...
Forum: Hi, I am... 05-22-2014, 04:33 PM
Replies: 22
Views: 3,236
Posted By racy
https://www.youtube.com/watch?v=bhtw_-GF_aA ...

https://www.youtube.com/watch?v=bhtw_-GF_aA

Hi Winter,
I apologize for the diversion.....
Forum: FIRE and Money 05-22-2014, 06:46 AM
Replies: 33
Views: 2,171
Posted By racy
Hi inquisitive, My input: keep reading,...

Hi inquisitive,
My input: keep reading, studying, calculating and, most importantly, keep investing. Your greatest advantage is your youth and time: which will have a greater impact on your wealth...
Forum: Hi, I am... 05-22-2014, 04:55 AM
Replies: 10
Views: 872
Posted By racy
Hi thunder, Welcome. To take an active role,...

Hi thunder,
Welcome. To take an active role, you'll want educate yourself on financial planning, risk & asset allocation, how fund costs impact performance, etc. Here's a good place to start...
Forum: FIRE and Money 05-20-2014, 05:54 PM
Replies: 36
Views: 2,456
Posted By racy
I use Vanguard Short Term Investment Grade Bond...

I use Vanguard Short Term Investment Grade Bond Fund, VFSUX. I want to keep pace with inflation. The SEC yield is 1.55%. The duration is 2.4 years. I don't care about month to month variation in...
Forum: Hi, I am... 05-20-2014, 05:40 PM
Replies: 18
Views: 863
Posted By racy
My thoughts-- ..a little heavy on bonds at your...

My thoughts--
..a little heavy on bonds at your age, also quite a bit of 'tilting' to mid cap stocks. If one chooses to tilt from a whole stock market investment, most would suggest a little to...
Forum: Hi, I am... 05-20-2014, 08:17 AM
Replies: 18
Views: 863
Posted By racy
Hi blue, Are you well diversified? That is, do...

Hi blue,
Are you well diversified? That is, do you have a mix of US stocks, International stocks, REITs, and bonds in addition to your CDs?
Forum: FIRE and Money 05-17-2014, 05:55 AM
Replies: 23
Views: 1,383
Posted By racy
Hi Looking, Vanguard did a white paper on this...

Hi Looking,
Vanguard did a white paper on this a few years ago.
Quoting from the summary, "During the accumulation years, many investors build
retirement savings in both tax-advantaged accounts,...
Forum: FIRE and Money 05-15-2014, 05:03 AM
Replies: 18
Views: 2,275
Posted By racy
Hi Wing, If you like spreadsheet work, you can...

Hi Wing,
If you like spreadsheet work, you can do it yourself. How? Here: How to Calculate Social Security Benefits - A Step by Step Guide...
Forum: FIRE and Money 05-06-2014, 05:29 AM
Replies: 15
Views: 1,149
Posted By racy
my 2 cents... I never laddered bonds; just...

my 2 cents...
I never laddered bonds; just doing bond funds. Trying to keep duration short and diversifying among Vanguard funds. Over half is in Short Term Investment Grade Bonds. The rest is...
Showing results 1 to 25 of 302

 
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