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Forum: FIRE and Money 10-17-2014, 11:42 AM
Replies: 5
Views: 572
Posted By racy
I personally like the Bangladesh Butter...

I personally like the Bangladesh Butter Production indicator. Take the change in butter production in Bangladesh and multiply it by two. This will give you the exact percentage by which the S&P 500...
Forum: Hi, I am... 10-13-2014, 09:00 AM
Replies: 15
Views: 1,276
Posted By racy
Hi sfig, The 4% rule came from work that...

Hi sfig,
The 4% rule came from work that William Bengen did in the '90s. Also, the 'rule' was based on a mix of equities and bonds. Bengen studied outcomes using stocks from 50% to 75%. He used...
Forum: FIRE and Money 10-06-2014, 07:33 AM
Replies: 121
Views: 6,202
Posted By racy
Hi Kannon, Here's a list of lazy portfolios...

Hi Kannon,
Here's a list of lazy portfolios with varying levels of complexity but all made up of Vanguard funds: Invest Simple with Lazy Portfolios - MarketWatch.com...
Forum: FIRE and Money 09-19-2014, 11:16 AM
Replies: 73
Views: 6,183
Posted By racy
* High deductible insurance (car, home,...

* High deductible insurance (car, home, health...)
* Fresh vegetables & fruits instead of packaged "foods". And, store brands instead of national brands for everything else.
* got rid of the...
Forum: FIRE and Money 08-14-2014, 09:01 AM
Replies: 20
Views: 1,482
Posted By racy
In June 2012, Jack Bogle predicted nominal...

In June 2012, Jack Bogle predicted nominal returns of 7% for equities and 3% for bonds, before costs, in the coming decade....
Forum: FIRE and Money 08-08-2014, 01:48 PM
Replies: 7
Views: 486
Posted By racy
...on the other hand, equities have returned...

...on the other hand, equities have returned better than 4.4% average. And, if you're figuring "about 10 years" you should be good in the market.
I believe the numbers will lead you to take the...
Forum: FIRE and Money 08-08-2014, 09:54 AM
Replies: 15
Views: 800
Posted By racy
I used the conversion calculator at Vanguard (...

I used the conversion calculator at Vanguard
( http://www.archimedes.com/vanguard/roth/RothConsumer.phtml ). A conversion doesn't seem to break even / payoff for me until I'm in my mid-90s. I'd...
Forum: FIRE and Money 08-05-2014, 06:49 AM
Replies: 13
Views: 798
Posted By racy
here's one source of info: Bogleheads...

here's one source of info: Bogleheads (http://www.bogleheads.org/wiki/Main_Page)
Forum: Hi, I am... 07-25-2014, 12:53 PM
Replies: 7
Views: 1,274
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: 1,336
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: 1,671
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: 1,537
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: 729
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: 3,333
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: 2,218
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: 1,668
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: 1,184
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: 3,552
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: 1,322
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: 1,203
Views: 45,753
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: 548
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: 2,831
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: 1,889
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: 1,311
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: 3,408
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.....
Showing results 1 to 25 of 310

 
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