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Forum: Life after FIRE 11-28-2020, 08:32 AM
Replies: 79
Views: 5,360
Posted By thepalmersinking
#ís 34-40 are about to make me pull the trigger.

#ís 34-40 are about to make me pull the trigger.
Forum: FIRE and Money 10-24-2020, 07:35 AM
Replies: 13
Views: 1,205
Posted By thepalmersinking
Exactly same numbers and situation. Except son is...

Exactly same numbers and situation. Except son is in 2nd he or college and just a bit further south at sunset beach. There are days that I cannot concentrate.
Forum: Stock Picking and Market Strategy 10-18-2020, 08:40 AM
Replies: 120
Views: 12,745
Posted By thepalmersinking
It isnít really mental gymnastics if you need...

It isnít really mental gymnastics if you need that cash in a down market. Selling shares at a depressed level when you can get cash from a dividend is key. In a up market, I agree.
Forum: FIRE and Money 09-26-2020, 07:11 PM
Replies: 69
Views: 6,667
Posted By thepalmersinking
Just waiting on the Riff package. Iím the...

Just waiting on the Riff package. Iím the meantime Iíll keep chugging along. Someone said it pays to wait. Iíll wait 2 more years and if no riff package comes then I will exit. In the meantime I...
Forum: FIRE and Money 09-26-2020, 07:06 PM
Replies: 15
Views: 2,265
Posted By thepalmersinking
Those holdings also represent a hypothetical...

Those holdings also represent a hypothetical $700K of the stock portion. The other large holdings are AAPL $200K V $180K pypl $100k.
Forum: FIRE and Money 09-26-2020, 03:38 PM
Replies: 15
Views: 2,265
Posted By thepalmersinking
4 of the holdings are ETFs: SPY,VTV,VYM,VBK

4 of the holdings are ETFs: SPY,VTV,VYM,VBK
Forum: FIRE and Money 09-25-2020, 08:37 PM
Replies: 15
Views: 2,265
Posted By thepalmersinking
4% how it works

Semi-hypothetical, using a 4% withdrawal rate. If you have $3million divided by 70% in stocks made up of 20 holdings and 30% fixed made up of 3 holdings. Does a person simply take 4% out of each...
Forum: FIRE and Money 09-13-2020, 07:11 AM
Replies: 159
Views: 11,686
Posted By thepalmersinking
So, is the majority of thought is to drop the...

So, is the majority of thought is to drop the portfolio theory of maintaining 20-30% in bonds? If so, should you be 100% in stocks, or 20-30% in cash?
Forum: FIRE and Money 09-13-2020, 07:09 AM
Replies: 159
Views: 11,686
Posted By thepalmersinking
Corporate bond ratings are much like the mortgage...

Corporate bond ratings are much like the mortgage bond ratings of 2008.
Forum: Stock Picking and Market Strategy 09-06-2020, 08:42 AM
Replies: 61
Views: 4,250
Posted By thepalmersinking
AAPL created and owns the ecosystem. Itís not...

AAPL created and owns the ecosystem. Itís not just a hardware company. When companies are suing you to gain access to your ecosystem then that should tell you something. Cash on hand is off the...
Forum: FIRE and Money 08-26-2020, 02:01 PM
Replies: 12
Views: 625
Posted By thepalmersinking
Personally, I think anything International is...

Personally, I think anything International is stale advice. That said, with all of your funds, what is your plan on withdrawing from them. Are you going to take equal percentages of each within...
Forum: Stock Picking and Market Strategy 08-15-2020, 08:25 AM
Replies: 120
Views: 12,745
Posted By thepalmersinking
I know this. I enjoyed 100% of my dividend...

I know this. I enjoyed 100% of my dividend payout from VYM during the dip this year. It would have hurt to sell actual shares in a low yielding stock to get a check of equal size. I would...
Forum: FIRE and Money 07-28-2020, 08:26 AM
Replies: 192
Views: 15,005
Posted By thepalmersinking
Sold all corporate bonds funds and reinvested in...

Sold all corporate bonds funds and reinvested in individual blue chips. Worked out awesome thus far. The thought that corp bonds is safe is just a myth. If i am going to take risk in corp debt, I...
Forum: FIRE and Money 07-26-2020, 07:46 AM
Replies: 110
Views: 11,090
Posted By thepalmersinking
It appears retiring in a recession is best as you...

It appears retiring in a recession is best as you delay the risk of another downturn for at least 5 years according to history.
Forum: FIRE and Money 07-26-2020, 07:13 AM
Replies: 110
Views: 11,090
Posted By thepalmersinking
Yes start in 1986 with $1million start and $70k...

Yes start in 1986 with $1million start and $70k annual withdrawal with inflation adjustment ends with over $8million YTD ending balance
Forum: FIRE and Money 07-25-2020, 05:37 PM
Replies: 110
Views: 11,090
Posted By thepalmersinking
Nobody would have know that. Moreover, nobody...

Nobody would have know that. Moreover, nobody would have been as diversified either. Most likely most people would have held Kodak, GE,GM,F and a lot of other loser large Ďsafeí companies. It makes...
Forum: FIRE and Money 07-25-2020, 05:34 PM
Replies: 110
Views: 11,090
Posted By thepalmersinking
Portfoliovisualizer.com Check it yourself

Portfoliovisualizer.com Check it yourself
Forum: FIRE and Money 07-25-2020, 06:36 AM
Replies: 63
Views: 5,162
Posted By thepalmersinking
Sold my biz in 2007 and paid off $250K balance. ...

Sold my biz in 2007 and paid off $250K balance. Been sick about that decision ever since. A house is not an investment, itís something you live in.
Forum: FIRE and Money 07-24-2020, 09:28 AM
Replies: 110
Views: 11,090
Posted By thepalmersinking
Iíll point out that AWSHX on the back test model...

Iíll point out that AWSHX on the back test model using a starting point of 1985 and a starting balance of $1million and a 7% annual withdrawal had an ending balance thru last month of $3.3million for...
Forum: FIRE and Money 07-18-2020, 07:10 AM
Replies: 110
Views: 11,090
Posted By thepalmersinking
What was the interest rate on your 40%? Most of...

What was the interest rate on your 40%? Most of the 70ís, the CD interest rate was 2X your SWR. Who in their right mind would not adjust holdings when guaranteed money is more than withdrawal rates.
Forum: Life after FIRE 07-17-2020, 06:34 PM
Replies: 61
Views: 2,319
Posted By thepalmersinking
Iíd go. You should try Shelton Vineyards in...

Iíd go. You should try Shelton Vineyards in Dobson NC. Go with the Bin 17 Chardonnay. I am not a fan of NC wine but this wine is the closest thing to France Chablis that i ever tasted.
Forum: FIRE and Money 07-17-2020, 02:40 PM
Replies: 38
Views: 3,223
Posted By thepalmersinking
I think I need to start a new thread titled ďwho...

I think I need to start a new thread titled ďwho knows someone who died with more than they started with following 4% ruleĒ. Your moneychimp was based only on S&P. My original post had a %age of...
Forum: FIRE and Money 07-12-2020, 05:59 AM
Replies: 38
Views: 3,223
Posted By thepalmersinking
Actually I did use that calculator and it told me...

Actually I did use that calculator and it told me that I needed $3.7m to take out $150K. But using moneychimp and using 30yrs 1989-2019 the cagr was over 8%.
Forum: FIRE and Money 07-11-2020, 04:36 PM
Replies: 38
Views: 3,223
Posted By thepalmersinking
I used portfoliovisualizer.com. A popular tool...

I used portfoliovisualizer.com. A popular tool used by many folks on this site. I have not retired yet but will within the next year or so. The test is to see how my model retirement would operate...
Forum: FIRE and Money 07-11-2020, 06:55 AM
Replies: 38
Views: 3,223
Posted By thepalmersinking
So, I put my portfolio in the back test...

So, I put my portfolio in the back test application and start in 2007-YTD at 7% withdrawal rate on a 70-30 stock/bond portfolio and it shows I still have just over a 1% cagr after the annual...
Showing results 1 to 25 of 137

 
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