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Forum: FIRE and Money 05-15-2010, 10:00 AM
Replies: 7
Views: 1,704
Posted By charlie
Reduce Risk: Portfolio Optimizer - Effective...

Reduce Risk: Portfolio Optimizer - Effective Diversification (https://www.riskcog.com/portfolio-theme2.jsp#574574d74074j)


If you are interested in what has happened in the past, this may be of...
Forum: FIRE and Money 05-12-2010, 08:42 PM
Replies: 32
Views: 4,689
Posted By charlie
I have finally settled (I hope) on Intermediate...

I have finally settled (I hope) on Intermediate Term Bond Index in my IRA and Wellesley (with a touch of FTSE all world ex US) in my taxable. Each
has about 1/2 of my overall portfolio. The yield...
Forum: Other topics 05-10-2010, 07:20 PM
Replies: 15
Views: 1,570
Posted By charlie
I received the 4 gb RAM set in the middle of this...

I received the 4 gb RAM set in the middle of this conversation and installed it with only minor difficulty. You really have to push hard to fully seat the memory cards.

After installation,...
Forum: Other topics 05-10-2010, 12:56 PM
Replies: 15
Views: 1,570
Posted By charlie
My user manual says the computer will hold 4 gb...

My user manual says the computer will hold 4 gb in 1 gb sticks and the illustration shows 4 slots so I guess I am ok on that score.

I like the idea of a removable hard drive. This allow me to...
Forum: Other topics 05-10-2010, 11:47 AM
Replies: 15
Views: 1,570
Posted By charlie
Thanks Powerplay, After cleaning the hard...

Thanks Powerplay,

After cleaning the hard drive I have 17 gb free space. Rosetta Stone will take almost 6 gb of that as I bought all 5 levels.

My computer has space for a 2nd hard drive. I...
Forum: Other topics 05-10-2010, 11:24 AM
Replies: 15
Views: 1,570
Posted By charlie
Old computer upgrade

Hi all,

I recently bought Rosetta Stone for Spanish (Latin American) and loaded it on my old desk top Dell Dimension 4600. This computer has a Pentium 4 at about 2.5 Mhz, 60 gb of hard drive and...
Forum: FIRE and Money 04-13-2010, 09:54 PM
Replies: 153
Views: 13,846
Posted By charlie
Would a VAT or NST be included in the gov's...

Would a VAT or NST be included in the gov's calculation of CPI? If so, it would give a nice one year boost to the income from my inflation linked bonds.;D

Cheers,

charlie
Forum: FIRE and Money 04-03-2010, 04:53 PM
Replies: 153
Views: 13,846
Posted By charlie
Would somebody please provide an example showing...

Would somebody please provide an example showing that adding a VAT would not change the advantage of a ROTH assuming FIT rates remained
the same.

My tired old brain just does not understand how...
Forum: FIRE and Money 03-23-2010, 04:04 PM
Replies: 214
Views: 23,264
Posted By charlie
With respect, I would suggest that this topic be...

With respect, I would suggest that this topic be moved to the political forum. There are very strong feelings on both sides of this issue and this thread will get nasty quickly, IMHO.

Cheers,
...
Forum: FIRE and Money 03-21-2010, 02:25 PM
Replies: 16
Views: 1,832
Posted By charlie
Bless you, Furball. It looks like you have the...

Bless you, Furball. It looks like you have the bases covered to me.

I had a similar responsibility before my Mom passed in 2008 and for my wife's aunt who passed in late 2009. I hope your...
Forum: FIRE and Money 03-19-2010, 08:34 AM
Replies: 53
Views: 11,685
Posted By charlie
One "warm fuzzy" that I get from owning Wellesley...

One "warm fuzzy" that I get from owning Wellesley as my major holding in my taxable account is that the long term experience of Wellington Management might help preserve capital in the event of a...
Forum: FIRE and Money 03-16-2010, 09:15 PM
Replies: 53
Views: 11,685
Posted By charlie
I think Wellesley and Wellington are both great...

I think Wellesley and Wellington are both great funds and I second Brew's comment about Wellington Management ..... not to worry, IMHO.

I currently own Wellesley in my taxable along with enough...
Forum: FIRE and Money 03-02-2010, 08:08 PM
Replies: 13
Views: 5,160
Posted By charlie
I think these are good funds IF they fit your...

I think these are good funds IF they fit your asset allocation AND you fully understand that they have the same risk that any equity heavy funds would have. They are not guaranteed and will tank when...
Forum: FIRE and Money 01-25-2010, 10:19 AM
Replies: 73
Views: 11,130
Posted By charlie
Although it helps to me mechanically inclined, it...

Although it helps to me mechanically inclined, it is not necessary to the running of a successful laundromat. Of fundamental importance is a good location followed by keeping the place clean, bright...
Forum: FIRE and Money 01-24-2010, 08:05 PM
Replies: 73
Views: 11,130
Posted By charlie
W2R, I am the one who has owned a laundromat for...

W2R, I am the one who has owned a laundromat for over 40 years. It has been a great source of supplementary income during my 20 years of early retirement.

If the OP wants to retire in Texas, I...
Forum: FIRE and Money 01-04-2010, 10:21 PM
Replies: 68
Views: 7,297
Posted By charlie
Having attended both Rice University and the...

Having attended both Rice University and the University of Texas and with a son that graduated from Texas A&M I am personally convinced that the top rated elite schools are not necessary for a...
Forum: FIRE and Money 12-08-2009, 09:19 AM
Replies: 18
Views: 2,430
Posted By charlie
If you are determined to buy a new home rather...

If you are determined to buy a new home rather than rent, I think you might be better off to use your taxable account to put up a minimum down payment and take a 30 year loan. Today's low mortgage...
Forum: FIRE and Money 12-07-2009, 10:04 PM
Replies: 18
Views: 2,430
Posted By charlie
Withdrawing from your IRA to buy a house does not...

Withdrawing from your IRA to buy a house does not sound like a good idea to me. You can't put it back .... ever! Personally I would rather rent where I would like to move until the McMansion is sold,...
Forum: FIRE and Money 12-06-2009, 10:48 PM
Replies: 8
Views: 2,027
Posted By charlie
At 75 I see it all the time in friends, family...

At 75 I see it all the time in friends, family and myself. It happens to all of us eventually if we live long enough.

When I took early retirement 20 years ago, I was a moderately agressive...
Forum: FIRE and Money 12-06-2009, 06:10 PM
Replies: 31
Views: 5,484
Posted By charlie
Of course you are right, Audrey, that it is not...

Of course you are right, Audrey, that it is not that simple. Generally, however, the Fed increases interest rates to combat inflation, no?
Longer rates don't always follow in lock-step. Also, I...
Forum: FIRE and Money 12-06-2009, 01:53 PM
Replies: 21
Views: 5,652
Posted By charlie
I think all the Target Retirement funds morph...

I think all the Target Retirement funds morph into the Target Retirement Income Fund at the end.

Cheers,

charlie
Forum: FIRE and Money 12-06-2009, 01:43 PM
Replies: 31
Views: 5,484
Posted By charlie
If market interest rates go up, you will see...

If market interest rates go up, you will see about 1% drop in the NAV of your bond fund for every year of "duration". Your initial cash flow won't change at first, but as the lower yielding bonds are...
Forum: FIRE and Money 12-05-2009, 08:11 PM
Replies: 7
Views: 1,831
Posted By charlie
I like GIM as well, but wait until after the 1st...

I like GIM as well, but wait until after the 1st of January. GIM usually has a end of year extra dividend that could put a dent in the NAV, maybe as much as 10%. The price may or may not drop...
Forum: FIRE and Money 12-05-2009, 08:02 PM
Replies: 31
Views: 5,484
Posted By charlie
Yes. Sorry about the attempt to be...

Yes. Sorry about the attempt to be funny.:rolleyes:

Cheers,

charlie
Forum: FIRE and Money 12-05-2009, 07:56 PM
Replies: 4
Views: 2,374
Posted By charlie
Would the tax break allow you to convert some IRA...

Would the tax break allow you to convert some IRA money to a ROTH?

Just thinking out loud?

Cheers,

charlie
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