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Forum: FIRE and Money 06-29-2016, 04:20 AM
Replies: 20
Views: 845
Posted By racy
More and more companies are being sued by their...

More and more companies are being sued by their employees because 401k plans have too high fees. Check this: Employers must monitor 401(k) fees, Supreme Court rules - LA Times...
Forum: Life after FIRE 06-26-2016, 08:44 AM
Replies: 93
Views: 12,674
Posted By racy
I've been retired 3 years, but now work part time...

I've been retired 3 years, but now work part time for a 73 yr old, private practice, lawyer. He was moaning one day about all the work he had to do. I jokingly suggested he needed to take more time...
Forum: FIRE and Money 06-24-2016, 05:28 AM
Replies: 95
Views: 5,287
Posted By racy
Same here! I also like the better ride &...

Same here! I also like the better ride & handling. I'm comfortable with my manhood (as a previous Miata owner:coolsmiley:)!
Forum: FIRE and Money 06-17-2016, 04:59 AM
Replies: 84
Views: 5,926
Posted By racy
Retired 3 yrs ago at 60. No pension. ...

Retired 3 yrs ago at 60. No pension.
Equities - 50% (20% of which is International)
Bonds - 50% (45% of which is short-term investment grade)
Forum: FIRE and Money 06-16-2016, 11:43 AM
Replies: 29
Views: 1,771
Posted By racy
Have kids to increase the population, or increase...

Have kids to increase the population, or increase productivity by 80%!
Declining Population Could Reduce Global Economic Growth By 40% - Real Time Economics - WSJ...
Forum: FIRE and Money 05-30-2016, 04:21 PM
Replies: 9
Views: 1,242
Posted By racy
Now for something completely different:...

Now for something completely different: motorcycling.
Forum: FIRE and Money 04-16-2016, 06:17 PM
Replies: 188
Views: 9,700
Posted By racy
Sounds like you're happy with your FA. Also,...

Sounds like you're happy with your FA. Also, (beg my pardon), it seems you're poking the forum to stir things up...
Forum: FIRE and Money 02-26-2016, 05:20 AM
Replies: 60
Views: 2,540
Posted By racy
Ma paid us kids 1 cent for every sand burr we'd...

Ma paid us kids 1 cent for every sand burr we'd pick out of our crappy back yard. I've had a fondness for piece work ever since!
Forum: FIRE and Money 02-26-2016, 05:11 AM
Replies: 13
Views: 1,122
Posted By racy
Take the lump sum. "A bird in hand is worth 2 in...

Take the lump sum. "A bird in hand is worth 2 in the bush". My concern is that insurance companies will be able to fulfill their annuity obligations, as breakthroughs in longevity keep coming.
...
Forum: FIRE and Money 02-06-2016, 06:30 AM
Replies: 87
Views: 5,185
Posted By racy
26%. I include my Short-term Investment Grade...

26%. I include my Short-term Investment Grade Bond fund in this number. I want my cash to keep up with inflation. No plan to change.
Forum: FIRE and Money 01-29-2016, 06:11 AM
Replies: 20
Views: 1,507
Posted By racy
I listen weekly, too. I think he's pretty...

I listen weekly, too. I think he's pretty straight up. However, like he says, I have "the time, the interest and the ability" to do my own investing, so I don't have any money with him either. I...
Forum: FIRE and Money 01-29-2016, 05:05 AM
Replies: 27
Views: 1,739
Posted By racy
If he's worried about the short term in the stock...

If he's worried about the short term in the stock market, then my advice is to stay out of the market. This college grad needs more education about volatility and the foolishness of trying to time...
Forum: FIRE and Money 01-20-2016, 05:36 PM
Replies: 30
Views: 1,684
Posted By racy
"The survey shows that a very significant...

"The survey shows that a very significant minority of American households apparently don't have the resources to pay for an unexpected expense of around $1,000," ....

ummm.... wondering how many...
Forum: FIRE and Money 01-10-2016, 11:02 AM
Replies: 54
Views: 2,297
Posted By racy
T. Rowe Price's Health Sciences Fund, PRHSX,...

T. Rowe Price's Health Sciences Fund, PRHSX, 12.98%. On the other hand, my health insurance went up $104 per month.

If ya can't beat em, join em!
Forum: FIRE and Money 11-29-2015, 06:18 AM
Replies: 58
Views: 3,773
Posted By racy
You've got "7 figures available", so you'd...

You've got "7 figures available", so you'd qualify for free Flagship Services at Vanguard. Info at this link: ...
Forum: FIRE and Money 11-27-2015, 06:06 AM
Replies: 36
Views: 4,055
Posted By racy
...you find yourself being passed by 90% of the...

...you find yourself being passed by 90% of the vehicles on the road.
Forum: FIRE and Money 11-27-2015, 05:28 AM
Replies: 134
Views: 8,241
Posted By racy
I've collected some forecasts made in the past...

I've collected some forecasts made in the past several years:
* 2012 - J. Bogle - 7% stocks, 3% bonds, nominal, for the next decade.
* 2014 - Vanguard - a 60/40 portfolio will return 3.1%-5.2%...
Forum: FIRE and Money 10-31-2015, 08:25 AM
Replies: 48
Views: 3,478
Posted By racy
Our retirement portfolio has a mix of bond funds:...

Our retirement portfolio has a mix of bond funds: short term investment grade, Wellesley-managed intermediate term, interenational total bond, intermediate term corp, and high yield. The weighted...
Forum: FIRE and Money 10-20-2015, 05:10 AM
Replies: 71
Views: 4,965
Posted By racy
Now for something completely different... ...

Now for something completely different...

Call Vanguard and put it all in Wellesley.
*You'll save on fees.
*You'll get inflation protection since the fund is 36% stock.
*You'll get income...
Forum: FIRE and Money 10-17-2015, 08:16 AM
Replies: 76
Views: 3,574
Posted By racy
Sounds to me like 'odd one' has a mental illness,...

Sounds to me like 'odd one' has a mental illness, specifically a Delusional Disorder called Persecutory Type.
Forum: FIRE and Money 10-01-2015, 06:03 PM
Replies: 30
Views: 2,620
Posted By racy
I remember my click moment 3 years ago. I was...

I remember my click moment 3 years ago. I was floating in a lounge chair in our lake with my wife, beer in hand,.. and realized "I don't have to put up with the megacorp BS anymore; I can retire if...
Forum: FIRE and Money 08-17-2015, 07:07 PM
Replies: 38
Views: 2,920
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: 6,333
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: 6,333
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: 61
Views: 5,130
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.
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