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I agree. I assumed there was a data point for monthly 10 year rolling periods as they were way too many data points for yearly 10 year rolling periods over the time frame the graph was supposed to be for. I'd like to see these graphs done annually (by calendar year) for 10 year rolling...

Bogle did. 6% is the gross stock return. If you have 50/50 stock/bond portfolio gross return is 4.5% Then after subtracting 2% for inflation, either 1.5% (active fund costs) or 0.05% (index fund costs), 1.5% for investor behavior, and 0.5% for taxes....

I think I'll take some comfort in the Bogle stock return predictions based on how conservative they have historically been. I took the graph below from the Boglehead's Conference 15 October 2015 page 19 (http://johncbogle.com/wordpress/wp-content/uploads/2015/10/Bogleheads-14-2015.pdf). I...

Since it is so hard to predict the future... what will my portfolio returns be between now and RMDs? What will happen to tax laws... What will my earned income look like in the future before full retirement (DH self employed and I'm currently doing part time contract work and starting a cattle...

Thanks for confirming the reason I hate annuitization. IMO the only one that makes out on that transaction is the insurance company.

Of course one thing for sure you should do before taking the pension payments, is check to see if it is competitive with a lump sum life time annuity (I don't know - I don't really like annuities so I don't keep up). If you can get the same or better in the open market, you might consider doing...

I guess I'm an optimist:greetings10:. There is always someone saying the sky is falling. And when I invest money when they are the loudest - my money grows the most. If it were me, I would 100% take the lump sum at 55 and roll it into a Traditional IRA. I have high confidence (> 95%) that my...

I would take the SLA over the JLA. Or even better, I would probably take a lump sum over either (if available and would have to run numbers just to make sure). My reasoning is this: you are self insured. Assuming your wife is the sole beneficiary of all of your assets, between the two of...

Here is a good article: Social Security Spousal Benefit at or After FRA | FiGuide It appears the spousal benefit is reduced if you start before FRA, but not increased if you wait until after FRA. The spousal benefit appears to be limited to 50% of spouses FRA benefit

As I understand it (I could be wrong)... The spousal benefit is based on half of your spouse's FRA benefit and then adjusted based on what age you are when you start taking it. So in the situation you outlined if you start receiving the spousal benefit at FRA you would get 1/2 of what his...

And I forgot to ask: MIL wants to put you on the deed - but when she passes is the equity supposed to be split between the siblings? If you give the siblings proceeds from the portion of the house that you owned before she passes, you would be subject to gift taxes too.

The first issue is you miss the step up in basis (of course she is just buying the house but if she lives 30 more years the increase in value could be quite a bit) when she dies. If you are owners of the house when she dies, you basis (of your part of the ownership) is going to be what she paid...

For the case of someone self employed restoring artwork and damaging a painting... I have no doubt that you could be sued for this. But I rather doubt that a personal umbrella policy will cover you. Most likely you will need a commercial policy to cover this activity.

We have a bit of a wait before we have to make that decision (49 and DH 48). I used to think that we’d take it as soon as we were eligible. I have a bird in the hand mentality as well as I figured that we get a better rate of return (on average) by investing (or not unplugging our current...

For the art restoration gig - I had assumed that was being done as a self employed gig. If you are a W-2 employee working for someone else, the person you work for would be responsible for damages.

I have no legal or insurance background. But here is my understanding of the scenarios For that last one, here is my personal experience. I used to have an umbrella policy through USAA. Then I bought a farm. USAA declared the farm a business and wanted nothing to do with insuring anything...

One more thing - I like to carry high deductibles for insurance. In addition to lowering the cost of the insurance, it also makes sure I don't try to mess around filing claims for the small stuff that we can cover. Saves time/hassle and then I don't have a small claim that might count against...

In general I don't like insurance because it is something you buy and hope to never use. However as far as insurance goes, liability is one of the best deals out there. When thinking of insurance, I ask my self what are the things that could bankrupt me financially. One of those things is a...

I recently transferred an IRA from USAA to Vanguard (represents ~10% total portfolio). The rest of my assets are with Schwab. I kind of like having my assets at two different places, but I certainly like working with Schwab better. I have issues with Vanguard's web interface, specifically in...

Are you using the auto download feature or are you pulling a "Web Connect File" and importing it into Quicken? If you are using the auto update feature, you should see if you can create a "Web Connect File" from your 401K plan (usually if they auto update Quicken, they also have a way to...

We had a similar issue when we bough some land (94 acres). As long as it was raw dirt, it was covered under our current home owner's insurance. Once we started to build on it, it was not. Is the cabin in the same state that you live? Our situation was we had our primary residence in IN and...

It is funny you should mention "... living in communities with a basic heritage of honesty and social responsibility". We just had some friends visit us from the Chicago area. They just found and purchased their retirement property about 15 minutes away from where we live. They reminded me of...

I'm not sure what you want to know. I love dirt. We purchased the 94 acres in a remote location in Tennessee where dirt is relatively cheap - but not as productive as somewhere like Iowa. But I'd much rather live in Tennessee. Weather is nice, no state income tax and I love the rolling green...

That % has changed a lot in the last 3 years. Three years ago it was ~25%. And then we bought our retirement property - 94 acres of raw dirt that we're turning into a farm. Sold old house and moved to a temporary house about 2 miles away for our farm. The temporary house represented ~5% of...

I can see merits of both. But when given the choice between A and B, I often choose something else. It certainly would be a good feeling to retire and not have to worry about debt. But I also really like the Roth for the tax free growth and the opportunity for substantial growth...