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Re: What causes NAV to fall?

I'm actually surprised we made it this far into December without one of these posts.

Answer: Year end capital gains and dividend distributions.

If you think 14% is bad, I had one of my active funds distribute over 21%.
by 2retire
Tue Dec 16, 2014 6:06 pm
 
Forum: Investing - Theory, News & General
Topic: What causes NAV to fall?
Replies: 5
Views: 432

Re: U.S. stocks in freefall

Bungo wrote:S&P 500 down 0.11% as I write this. That's a rounding error, not a selloff.

I'm not sure what you use as your source for the markets, but it opened at -0.3 and hasn't gotten higher than that all day.
by 2retire
Wed Dec 10, 2014 3:10 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1056
Views: 186300

Re: login security questions, using false answers

Since all my passwords are different, and in a password safe to begin with, I just use the password safe's random password generator to generate fake answers for the security questions as well. If I lose my password safe I'm screwed, but it is backed up in several places. Whenever I've had to answer...
by 2retire
Thu Dec 04, 2014 9:55 pm
 
Forum: Personal Consumer Issues
Topic: login security questions, using false answers
Replies: 13
Views: 1032

Re: Favorite TED Talks

corner559 wrote:

The Gladwell talk is one of my favorites of all time.

I also liked how it intersected with Victoria's selections.
by 2retire
Fri Nov 28, 2014 10:42 pm
 
Forum: Personal Consumer Issues
Topic: Favorite TED Talks
Replies: 26
Views: 3504

Re: How to transfer money from bank to vanguard automaticall

I'd be very surprised for you to find something like this. It is never in a bank's interest to have you take money out of their accounts, so why would they willingly do it for you. Actually it's quite easy to set up recurring withdrawals from a bank account for many purposes for instance my loan pa...
by 2retire
Tue Nov 25, 2014 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to transfer money from bank to vanguard automatically?
Replies: 19
Views: 2549

Re: How to transfer money from bank to vanguard automaticall

I'd be very surprised for you to find something like this. It is never in a bank's interest to have you take money out of their accounts, so why would they willingly do it for you. If you look at the link the other person posted, they simply transfer the money around within their bank to another acc...
by 2retire
Tue Nov 25, 2014 9:05 am
 
Forum: Investing - Help with Personal Investments
Topic: How to transfer money from bank to vanguard automatically?
Replies: 19
Views: 2549

Re: Excel Webservice function

Only available in Excel 2013 and newer (online version excluded).
by 2retire
Tue Nov 25, 2014 8:57 am
 
Forum: Investing - Theory, News & General
Topic: Excel Webservice function
Replies: 5
Views: 826

Re: Bogleheads, tell me about your 40's?

Not really financial related, but be prepared to need glasses to read things. It doesn't matter how great your far vision is, even if it is better than 20/20, as reading doesn't seem to figure into those numbers. The font size and lighting conditions make a big difference in your reading capabilitie...
by 2retire
Thu Nov 13, 2014 2:23 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 103
Views: 17176

Re: Taxable account for early retirement?

@bluejello hit the nail on the head. You need to first save for a regular retirement before you save for an early retirement. For someone in their twenties, that means about 15% of your gross salary. Since the company is giving you a 3% match, you could cut your contribution to 12%. However, the oth...
by 2retire
Mon Nov 10, 2014 8:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable account for early retirement?
Replies: 19
Views: 2836

Re: A Returns Spreadsheet for Bogleheads

Thanks for taking the time to put this together. As I stated previously, I have been doing the Bernstein/Ferri calculations for a couple of years now. However, I was interested to see how you'd put this into a generic spreadsheet, as I have to update mine every year as the cells my contribs go in ch...
by 2retire
Mon Nov 03, 2014 5:35 pm
 
Forum: Investing - Theory, News & General
Topic: A Returns Spreadsheet for Bogleheads
Replies: 33
Views: 4217

Re: A Little Common Core Math problem

[deleted] misread question

I did see the a blurb about Common Core on the news the other night. I was shocked when they showed how they are teaching kids to do subtraction these days.
by 2retire
Thu Oct 30, 2014 1:17 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2917

Re: What to ask for when negotiating a severance package?

You really can't negotiate if you are laid off. If they chose to give you something out of the kindness of their heart, that is what you get. I also agree that 1 month is generous for someone that has only been there for two years. I believe it is more typical for people to receive one week per year...
by 2retire
Thu Oct 30, 2014 12:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to ask for when negotiating a severance package?
Replies: 26
Views: 2144

Re: Calculating return

There's an approximate approach to compute a return for comparing the performance of a portfolio with other funds or portfolios. I got it from The Four Pillars of Investing : First, I calculate a growth factor for each month of the year: growth_factor = (closing_balance - ((deposits - withdrawals) ...
by 2retire
Thu Oct 23, 2014 9:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Calculating return
Replies: 35
Views: 3137

Re: Annuity 1035 exchange to IRA?

What about if the person is in a Qualified IRA Deferred Annuity? Can you 1035 that into something that isn't an insurance product (like a regular IRA)?
by 2retire
Thu Oct 23, 2014 8:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Annuity 1035 exchange to IRA?
Replies: 8
Views: 397

Re: Creating a 401k for my company through Employee Fiduciar

Also be aware that forcing old employees out of the plan may be detrimental. The more money you have in your plan the better the plan you can get. If you start forcing people out, you may jeopardize the plan for those that remain.
by 2retire
Wed Oct 22, 2014 3:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Creating a 401k for my company through Employee Fiduciary
Replies: 85
Views: 10775

Re: Calculating return

Yesterdaysnews wrote:Is there a way to get XIRR to calculate YTD returns?

This is what I use, and it works, but I have my starting values as of Jan 1 and my XIRR_RESULT only includes transactions from this year.

=(1+XIRR_RESULT)^((END_DATE - START_DATE)/365)-1
by 2retire
Tue Oct 21, 2014 9:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Calculating return
Replies: 35
Views: 3137

Re: Kindle HDX or iPad Air?

Lots . Including paid apps, and who has the time to go through the hassle to try to get a $0.99 refund? Sometimes you know right away when an app isn't very good or what you need. In this case, it pays to have gone with a native Android device rather than an Amazon one. The Google app store has a p...
by 2retire
Sun Oct 19, 2014 9:35 am
 
Forum: Personal Consumer Issues
Topic: Kindle HDX or iPad Air?
Replies: 17
Views: 1512

Re: Find a way to explain to me "WHY" should I break up w/ M

I can't give you a reason WHY you should drop it. As others have said, it is only 15% of your portfolio. It isn't going to make that much difference. I will post this graph for you though: http://morning-wave-7809.herokuapp.com/#MDISX%20/vgtsx,%20vitsx The best I could do was to compare it to a 50/5...
by 2retire
Thu Oct 16, 2014 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Find a way to explain to me "WHY" should I break up w/ MDISX
Replies: 23
Views: 1168

Re: Roll Call for the Retirement Class of 2014!

I was kind of surprised at most people's age. I calculated a median age of 61 and an average age of 60. Although those ages are younger than the full retirement age, I would have expected those numbers to be lower for this group of people. I would have expected more people retiring in their 50's.
by 2retire
Mon Sep 29, 2014 3:43 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 257
Views: 25071

Re: Fixed-Fee Advisor in Texas

Here is one based out of Fort Worth:

http://www.hullfinancialplanning.com/about

I don't use him, but he has a blog I stumbled across and read on a regular basis now.
by 2retire
Sat Sep 27, 2014 7:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Fixed-Fee Advisor in Texas
Replies: 14
Views: 1483

Re: SS Calculation Question

Take the total expected earnings subject to SS during those two years. Let's say it's $70K per year, $140K total. Then her total indexed earnings will decrease by about $140K. Spread out over 35 years (420 months), this is $333 per month. Beyond the second bend point, each dollar of "averaged ...
by 2retire
Tue Sep 23, 2014 1:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: SS Calculation Question
Replies: 5
Views: 1037

Re: Betterment Explanation on Investment Returns

Just to be clear, the Time Weighted Return (TWR) is what all the financial websites use, Morningstar, Fidelity, Vanguard, etc. It is difficult to calculate. It is essentially the Excel XIRR function (we all use here) to calculate our portfolio's performance. A normal person would never be able to fi...
by 2retire
Wed Sep 17, 2014 9:35 am
 
Forum: Investing - Theory, News & General
Topic: Betterment Explanation on Investment Returns
Replies: 11
Views: 879

Re: Trying to understand taxes in retirement, correct me

Don't forget that if you do make 20K and need to take 30K from other investments, that you aren't going to be taking 30K of LTCG. Part of that 30K is going to be the money you already invested, simply returned to you. Your LTCG will be less than 30K, how much, only you can tell from running the numb...
by 2retire
Tue Sep 16, 2014 8:31 pm
 
Forum: Investing - Theory, News & General
Topic: Trying to understand taxes in retirement, correct me
Replies: 11
Views: 1075

Re: Australia and New Zealand

My advice would be to pick one country or the other. If you are an outdoors person, I tell people that they shouldn't go to New Zealand unless they can take five weeks. We did it in three and it felt rushed. We didn't get to spend near the amount of time we wanted to in any location. We went as back...
by 2retire
Mon Sep 15, 2014 10:41 pm
 
Forum: Personal Consumer Issues
Topic: Australia and New Zealand
Replies: 47
Views: 4318

Re: Setting up a spreadsheet?

If you have a Google account, you can go to http://docs.google.com and create one. You can also share it out with others so they can help you with whatever you are having problems with.
by 2retire
Tue Sep 02, 2014 6:46 pm
 
Forum: Investing - Theory, News & General
Topic: Setting up a spreadsheet?
Replies: 15
Views: 1094

Re: Recorded Q&A with Rick Ferri and the RTP Bogleheads

Leif wrote:Where is it available for free? Amazon has it for $12.95.


From his website:

http://www.rickferri.com/books-by-rick- ... aight-talk

PS: Thanks for the video.
by 2retire
Mon Jun 23, 2014 4:20 pm
 
Forum: Investing - Theory, News & General
Topic: Recorded Q&A with Rick Ferri and the RTP Bogleheads
Replies: 25
Views: 3296

Re: Retirement Calculator ?

Do you have any money at Fidelity? I just got a flyer in the mail telling me I could call them for my annual retirement checkup (an old comapny has a 401k there). The number is 877.902.0023. I suppose you can call them and see if you qualify.
by 2retire
Sat May 31, 2014 9:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Calculator ?
Replies: 14
Views: 1961

Re: Retirement Calculator ?

Did you click on the Detailed Cash Flow Summary link to see how any why the shortfall may be occurring?
by 2retire
Sat May 31, 2014 8:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Calculator ?
Replies: 14
Views: 1961

Re: Morningstar Portfolio Tracking or is there a better trac

I'm not sure you are doing it right. Can you post a screenshot of what you are talking about? My portfolios only ever show a single line for each fund and a sum of all the shares. I only track dividends and splits, so I never add new shares myself, but I can't imagine it would be any different than ...
by 2retire
Fri May 30, 2014 4:24 pm
 
Forum: Investing - Theory, News & General
Topic: Morningstar Portfolio Tracking or is there a better tracker?
Replies: 28
Views: 1932

Re: It Works (I think?)

Yes, it sounds like you did it right. You do NOT include dividends when doing an XIRR calculation.
by 2retire
Tue May 27, 2014 1:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: It Works (I think?)
Replies: 9
Views: 1026

Re: Total Return Charts

What am I missing, why doesn't M* work? They allow you to bring up a chart for one fund, then add more funds to that existing chart.

Edit: lol, I didn't realize this was a necro'd thread.
by 2retire
Sat May 24, 2014 9:30 pm
 
Forum: Investing - Theory, News & General
Topic: Total Return Charts
Replies: 24
Views: 9137

Re: New Hampshire Tourism

Does the drive-in still exist at Wier's Beach too? The other cool thing about Funspot is it has one of the largest collections of old school video games in the world. It is one of the venues featured in the documentary, The King of Kong. Players from all over the world flock there to break world rec...
by 2retire
Thu May 22, 2014 6:54 pm
 
Forum: Personal Consumer Issues
Topic: New Hampshire Tourism
Replies: 8
Views: 582

Re: Rate of return

It was correct before I typed it and I have it entered correctly on the Morningstar portfolio page. I inputed 42% for total stock market, 23% for international and 35% for the total bond market with a fictitious purchase date of Jan 2, 2014 and a ficticous amount of $10,000: http://home.comcast.net...
by 2retire
Tue May 20, 2014 10:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rate of return
Replies: 55
Views: 3442

Re: Least expensive day of the week to book flights?

According to a recent analysis (as seen on the Today show), it really doesn't matter. What matters most is booking the flight about 60 days out. Of course, now that that is known, the airlines will probably mess with their algorithms.
by 2retire
Tue May 20, 2014 9:04 pm
 
Forum: Personal Consumer Issues
Topic: Least expensive day of the week to book flights?
Replies: 8
Views: 1110

Re: Rate of return

Yes, you basically have it correct (once you correct your split between US and International so that it is really 65% of the portfolio). Your basic equation should look like this: aggregate_return = (pct_us * us_return) + (pct_intl * intl_return) + (pct_fi * fi_return) What percent of your stocks di...
by 2retire
Tue May 20, 2014 8:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rate of return
Replies: 55
Views: 3442

Re: advice regarding hard to find HVAC freon leak

First thing I'd do is find a new company. $350 for a refill and a visual inspection seems outrageous. I think I only payed in the neighborhood of $150 when mine needed refilling a few years ago (that included the trip/service fee). I supposed you could live in a really high cost of living area, but ...
by 2retire
Mon May 19, 2014 4:11 pm
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 3481

Re: New PC - Buy Office or use free alternatives

If you only use 10-20% of Office features, you can probably survive using Google Docs. However, I'd probably still buy Outlook as a standalone app and use that for my email. One thing to keep in mind though, if you do decide to go with Google Docs, is that they will be scanning and indexing all of t...
by 2retire
Mon May 19, 2014 8:40 am
 
Forum: Personal Consumer Issues
Topic: New PC - Buy Office or use free alternatives
Replies: 29
Views: 2200

Re: How much SS at 70 if I retire at 66?

The question has not been answered. The OP has all the required information if I interpret her statement correctly. <snip> See if you can answer the question asked from the assumed given information above: However, I want to retire at 66 and not claim my social security benefit until I turn 70. I d...
by 2retire
Fri May 16, 2014 11:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much SS at 70 if I retire at 66?
Replies: 37
Views: 2648

Re: How much SS at 70 if I retire at 66?

However, I will say that you may well be shocked at how little difference it can make. Here is an example. When did you get to 35 earning years in your examples? JW I hit 35 years at 51. However, to knock of my really low earning early years, where you really couldn't say I had a real job, I'd need...
by 2retire
Fri May 16, 2014 5:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much SS at 70 if I retire at 66?
Replies: 37
Views: 2648

Re: How much SS at 70 if I retire at 66?

As others have said, you can only tell by plugging your numbers into the various calculators. I use AnyPIA. However, I will say that you may well be shocked at how little difference it can make. Here is an example. All values assume you start collecting SS at 70, no matter when you stopped working. ...
by 2retire
Fri May 16, 2014 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much SS at 70 if I retire at 66?
Replies: 37
Views: 2648

Re: Disclaiming a Roth IRA inheritance

I THINK "2retire" is suggesting that you ask your mother in law to name your kids, instead of your wife, for whatever portion would have gone to your wife as per the original plan. That is exactly what I was suggesting. Cut out the middleman. However, the OP has already posted that the wa...
by 2retire
Thu May 15, 2014 5:04 pm
 
Forum: Investing - Theory, News & General
Topic: Disclaiming a Roth IRA inheritance
Replies: 26
Views: 2243

Re: Disclaiming a Roth IRA inheritance

Why disclaim. Why not just make the sons the primary beneficiaries.
by 2retire
Thu May 15, 2014 9:53 am
 
Forum: Investing - Theory, News & General
Topic: Disclaiming a Roth IRA inheritance
Replies: 26
Views: 2243

Re: Care to explain the Telltale chart to a dummy?

Wow, thanks for that write up simpleton. I had somehow missed your tool in all my time here. Might I suggest you add a little FAQ to that site explaining things like you did here. I found it really useful to see how you used the weightings and multiple entries to compare one 401k plan to another. I ...
by 2retire
Sun May 11, 2014 1:07 pm
 
Forum: Investing - Theory, News & General
Topic: Care to explain the Telltale chart to a dummy?
Replies: 8
Views: 1654

Re: Looking for one-of-a-kind London experience for wife

You can rent Downton Abbey (Highclere Castle) for $25K a day.
by 2retire
Sat May 10, 2014 2:51 pm
 
Forum: Personal Consumer Issues
Topic: Looking for one-of-a-kind London experience for wife
Replies: 39
Views: 2014

Re: Inexpensive Win7 laptop that will support 2 to 3 monitor

Just be aware that to drive monitors higher than 1920x1200 the laptop will need to meet certain specifications. I believe you need to make sure that a machine supports DisplayPort version 1.4. Other types of ports also have certain specs they need to follow.
by 2retire
Fri May 09, 2014 1:01 pm
 
Forum: Personal Consumer Issues
Topic: Inexpensive Win7 laptop that will support 2 to 3 monitors?
Replies: 37
Views: 3282

Re: What our company's 401k Advisor said about 1.5% Fees

Not true at all. Have him (or do it yourself) look into Employee Fiduciary or The Online401k. Even Vanguard can give you a quote for a small business at those low fees. I got a quote from Vanguard myself and presented it to HR and Finance people.
by 2retire
Tue May 06, 2014 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: What our company's 401k Advisor said about 1.5% Fees
Replies: 113
Views: 16425

Re: Should I move my portfolio?

Just crazy, that S&P 500 fund is insane. You definitely need to move that money, taxes be damned. You are throwing away 1.5% of your market gains every year in that fund. Not to mention what your are paying the advisor. If you'll tax too big of a tax hit in one year, spread the sales out over a ...
by 2retire
Tue May 06, 2014 9:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I move my portfolio?
Replies: 10
Views: 626

Re: Need help with opening kids' Roth IRA

You could always go with Fidelity and their Spartan index funds. They compare favorably to Vanguard. In addition, they have lots of planning calculators and tools that you'll get access too.
by 2retire
Thu May 01, 2014 10:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with opening kids' Roth IRA
Replies: 11
Views: 991
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