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Up 21.04%, compared to my 60/40 benchmark of 21.96%.

Sweetie, honey, darling are all common, but what floored me recently was being called babe at my (new) Publix deli. I tend to ignore this; I know it's customary especially as I go further away from the city and they don't mean anything bad.

What one needs to do is run though a couple of hundred scenarios, doing withdrawals at the beginning of the year, and the compare them to another couple of hundred scenarios doing monthly withdrawals, and see which one comes out better. I haven't done that, and I look forward to somebody doing...

no It's just part of the normal cycle.

They usually start with high predictions and then keep adjusting them down during the course of the year, as reality sets in.

I took a retirement income planning class in Jan 2012. The individual who taught the class said something that sticks in my mind. He said that just like dollar cost averaging helps on the way up by allowing you to buy more shares when prices are down, dollar cost selling is worse for you when...

That's a nice chart.

No, no international equities. 60% Total Stock, 40% Total Bond, and I was looking at the Vanguard Balanced Index Fund to show that 2.86%. It seemed easier than doing calculations from the two funds to arrive at the number.

At one point I used to have 2 net worth numbers, net worth with pension and net worth without pension. When I retired, I decided to go with just one number, net worth without pension.

Down about 2.75%. My 60/40 Balanced Index benchmark is down 2.86%.

It is NOT an open-and-shut case but it's POSSIBLY one of many reasons American health costs are out of control.

As of now that fund shows -0.03%. Not bad at all, knowing where it was most of 2018.

Well, after the calculations I find we are 4.9% over budget. Personal inflation was higher than govt. reported inflation.

I also heard (I think late afternoon Friday on Yahoo Finance) that Kohl's takes Amazon returns. YF was talking about potential additional business because more customers were entering the stores because of Amazon returns.

Sorry, I don't mean to be unempathetic, but I'll be very happy when everybody else goes back to work on Wednesday (hopefully), and life goes back to "normal".

I was reading an article yesterday in the latest issue (Dec 31, 2018) of Barron's magazine. It is about a study and a Dec 17 report in the Journal of American Medical Association-Internal Medicine "JAMA" finding suggestive evidence that doctors misdiagnose patients to enrich themselves. “ The...

The articles I have read in the past show that bonds and bond funds do better than CDs over the long run. And I don't have to manage them (for an acceptable fee that is below 0.10%).

The thoughts that influence my fixed income investments are: Long term Simplicity Low cost I don't know if CDs will beat a bond market index long term but maybe they will. But then I have to manage them, and I am trying to avoid that.

Congratulations !!! I am very happy for you.

Thank you for the explanation; I am always learning.

The year is not over but I am pretty happy with the bond market returns as of now. Vanguard Total Bond Market Index is showing -0.24% today. When I did a back-of-the-envelope calculation at the beginning of the year, I thought that with a duration of about 6 years, 4 quarter point increases...

I think we will be within 1% of "budget". I'll do the proper report on Jan 1 2019.

Not thinking about SS till I reach FRA. Goal is 70 but I am open to taking any time after FRA if that makes sense. If this is a bear market, then it's got a long way to go (down) still.

Absolutely correct.

On Dec 25, I did a calculation two ways: 1) using end of day numbers (2930.75). The S&P was -19.77 or -19.78%% 2) using intra-day highs (2940.91). The S&P was -20.05% Low 2351.10 I was reading some articles yesterday, and while some report a bear, others (like from Bloomberg) don't. I thought...