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Search: Posts Made By: DEC-1982
Forum: FIRE and Money 01-02-2020, 02:06 PM
Replies: 706
Views: 53,209
Posted By DEC-1982
Up 21.04%, compared to my 60/40 benchmark of...

Up 21.04%, compared to my 60/40 benchmark of 21.96%.
Forum: Other topics 01-24-2019, 01:19 PM
Replies: 98
Views: 4,051
Posted By DEC-1982
Sweetie, honey, darling are all common, but what...

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...
Forum: FIRE and Money 01-04-2019, 06:43 AM
Replies: 28
Views: 3,098
Posted By DEC-1982
What one needs to do is run though a couple of...

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...
Forum: Stock Picking and Market Strategy 01-04-2019, 06:38 AM
Replies: 23
Views: 2,498
Posted By DEC-1982
no It's just part of the normal cycle.

no

It's just part of the normal cycle.
Forum: Stock Picking and Market Strategy 01-04-2019, 06:35 AM
Replies: 16
Views: 1,628
Posted By DEC-1982
They usually start with high predictions and then...

They usually start with high predictions and then keep adjusting them down during the course of the year, as reality sets in.
Forum: FIRE and Money 01-03-2019, 06:40 AM
Replies: 28
Views: 3,098
Posted By DEC-1982
I took a retirement income planning class in Jan...

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...
Forum: FIRE and Money 01-03-2019, 06:27 AM
Replies: 976
Views: 92,354
Posted By DEC-1982
That's a nice chart.

That's a nice chart.
Forum: FIRE and Money 01-03-2019, 06:22 AM
Replies: 976
Views: 92,354
Posted By DEC-1982
No, no international equities. 60% Total Stock,...

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...
Forum: FIRE and Money 01-03-2019, 06:01 AM
Replies: 127
Views: 11,644
Posted By DEC-1982
At one point I used to have 2 net worth numbers,...

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.
Forum: FIRE and Money 01-02-2019, 06:42 AM
Replies: 976
Views: 92,354
Posted By DEC-1982
Down about 2.75%. My 60/40 Balanced Index...

Down about 2.75%. My 60/40 Balanced Index benchmark is down 2.86%.
Forum: Health and Early Retirement 01-01-2019, 08:05 AM
Replies: 7
Views: 939
Posted By DEC-1982
It is NOT an open-and-shut case but it's POSSIBLY...

It is NOT an open-and-shut case but it's POSSIBLY one of many reasons American health costs are out of control.
Forum: FIRE and Money 01-01-2019, 08:00 AM
Replies: 24
Views: 2,116
Posted By DEC-1982
As of now that fund shows -0.03%. Not bad at all,...

As of now that fund shows -0.03%. Not bad at all, knowing where it was most of 2018.
Forum: FIRE and Money 01-01-2019, 06:28 AM
Replies: 224
Views: 22,236
Posted By DEC-1982
Well, after the calculations I find we are 4.9%...

Well, after the calculations I find we are 4.9% over budget. Personal inflation was higher than govt. reported inflation.
Forum: Other topics 12-31-2018, 06:15 AM
Replies: 31
Views: 1,574
Posted By DEC-1982
I also heard (I think late afternoon Friday on...

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...
Forum: Life after FIRE 12-31-2018, 06:05 AM
Replies: 52
Views: 4,896
Posted By DEC-1982
Sorry, I don't mean to be unempathetic, but I'll...

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".
Forum: Health and Early Retirement 12-31-2018, 05:51 AM
Replies: 7
Views: 939
Posted By DEC-1982
suggestive evidence that doctors do unnecessary stent procedures to enrich themselves

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...
Forum: FIRE and Money 12-30-2018, 06:26 AM
Replies: 24
Views: 2,116
Posted By DEC-1982
The articles I have read in the past show that...

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%).
Forum: FIRE and Money 12-30-2018, 06:17 AM
Replies: 24
Views: 2,116
Posted By DEC-1982
The thoughts that influence my fixed income...

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...
Forum: Other topics 12-29-2018, 08:26 AM
Replies: 31
Views: 1,912
Posted By DEC-1982
Congratulations !!! I am very happy for you.

Congratulations !!! I am very happy for you.
Forum: Other topics 12-29-2018, 08:21 AM
Replies: 26
Views: 1,519
Posted By DEC-1982
Thank you for the explanation; I am always...

Thank you for the explanation; I am always learning.
Forum: FIRE and Money 12-29-2018, 08:11 AM
Replies: 24
Views: 2,116
Posted By DEC-1982
2018 Bond Market return

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...
Forum: FIRE and Money 12-29-2018, 07:45 AM
Replies: 224
Views: 22,236
Posted By DEC-1982
I think we will be within 1% of "budget". I'll do...

I think we will be within 1% of "budget". I'll do the proper report on Jan 1 2019.
Forum: FIRE and Money 12-29-2018, 07:40 AM
Replies: 166
Views: 13,388
Posted By DEC-1982
Not thinking about SS till I reach FRA. Goal is...

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.
Forum: FIRE and Money 12-27-2018, 06:35 AM
Replies: 121
Views: 10,906
Posted By DEC-1982
Absolutely correct.

Absolutely correct.
Forum: FIRE and Money 12-27-2018, 06:25 AM
Replies: 210
Views: 16,654
Posted By DEC-1982
On Dec 25, I did a calculation two ways: 1)...

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...
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