Search found 230 matches

Return to advanced search

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 5:20 pm
 
Forum: Investing - Theory, News & General
Topic: Recorded Q&A with Rick Ferri and the RTP Bogleheads
Replies: 25
Views: 3250

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 10:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Calculator ?
Replies: 14
Views: 1906

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 9:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Calculator ?
Replies: 14
Views: 1906

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 5:24 pm
 
Forum: Investing - Theory, News & General
Topic: Morningstar Portfolio Tracking or is there a better tracker?
Replies: 28
Views: 1855

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 2:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: It Works (I think?)
Replies: 9
Views: 1016

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 10:30 pm
 
Forum: Investing - Theory, News & General
Topic: Total Return Charts
Replies: 24
Views: 8882

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 7:54 pm
 
Forum: Personal Consumer Issues
Topic: New Hampshire Tourism
Replies: 8
Views: 556

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 11:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rate of return
Replies: 55
Views: 3355

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 10:04 pm
 
Forum: Personal Consumer Issues
Topic: Least expensive day of the week to book flights?
Replies: 8
Views: 1078

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 9:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rate of return
Replies: 55
Views: 3355

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 5:11 pm
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2943

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 9:40 am
 
Forum: Personal Consumer Issues
Topic: New PC - Buy Office or use free alternatives
Replies: 29
Views: 2081

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
Sat May 17, 2014 12:06 am
 
Forum: Personal Finance (Not Investing)
Topic: How much SS at 70 if I retire at 66?
Replies: 37
Views: 2610

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 6:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much SS at 70 if I retire at 66?
Replies: 37
Views: 2610

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 4:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much SS at 70 if I retire at 66?
Replies: 37
Views: 2610

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 6:04 pm
 
Forum: Investing - Theory, News & General
Topic: Disclaiming a Roth IRA inheritance
Replies: 26
Views: 2202

Re: Disclaiming a Roth IRA inheritance

Why disclaim. Why not just make the sons the primary beneficiaries.
by 2retire
Thu May 15, 2014 10:53 am
 
Forum: Investing - Theory, News & General
Topic: Disclaiming a Roth IRA inheritance
Replies: 26
Views: 2202

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 2:07 pm
 
Forum: Investing - Theory, News & General
Topic: Care to explain the Telltale chart to a dummy?
Replies: 8
Views: 1507

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 3:51 pm
 
Forum: Personal Consumer Issues
Topic: Looking for one-of-a-kind London experience for wife
Replies: 39
Views: 1841

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 2:01 pm
 
Forum: Personal Consumer Issues
Topic: Inexpensive Win7 laptop that will support 2 to 3 monitors?
Replies: 37
Views: 3094

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 4:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: What our company's 401k Advisor said about 1.5% Fees
Replies: 113
Views: 15190

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 10:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I move my portfolio?
Replies: 10
Views: 591

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 11:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with opening kids' Roth IRA
Replies: 11
Views: 929

Re: Former Employee 401K Plan Options with [Restrictive] Pla

Can you cut and paste the appropriate sections from the plan document?

It sounds more like they made their contriubtions to a defined benefit plan, while yours went to a defined contribution plan. Effectively, they put their's in a pension fund.

I've never heard of a plan set up like this before.
by 2retire
Thu May 01, 2014 5:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Former Employee 401K Plan Options with [Restrictive] Plans
Replies: 14
Views: 701

Re: Easy way to view graph of portfolio?

Does it need to be a graph, or is a number fine. I do as the above poster said, but there is a trick to make the setup easy. First, in a spreadsheet, list all your ticker symbols and their account values. Sum them all up. Now divide each account total by the grand total. That gives you what percent ...
by 2retire
Wed Apr 30, 2014 5:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Easy way to view graph of portfolio?
Replies: 3
Views: 347

Re: Transfer securities from IRA to satisfy RMD?

Yes. Technically, doing the transfer is liquidating them. Where is she planning to get the money to pay the taxes on the RMD from?

Edit: Are we talking stocks or mutual funds?
by 2retire
Wed Apr 30, 2014 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Transfer securities from IRA to satisfy RMD?
Replies: 12
Views: 700

Re: Social Security [part time job effect on benefits]

I'm not sure I can answer any of your questions, but here are a few things I wanted to point out. It is odd that you aren't on Medicare already. Typically, you can go on Medicare two years after your disability is approved. When you reach full retirement age, your disability payment will become your...
by 2retire
Wed Apr 30, 2014 11:58 am
 
Forum: Personal Finance (Not Investing)
Topic: [part time job effect on Social Sec. Disability benefits]
Replies: 8
Views: 415

Re: Redemption and purchase fees = extra expense ratio?

No. You should consider them as front and back end loads. ERs represent money that you lose every year. Those only occur when you personally do something. I do not believe you are charged those fees on dividend reinvestment.
by 2retire
Tue Apr 29, 2014 9:47 am
 
Forum: Investing - Theory, News & General
Topic: Redemption and purchase fees = extra expense ratio?
Replies: 9
Views: 436

Re: Question on Reported Returns

This question comes up all the time, yes, they are after the ER is subtracted.
by 2retire
Thu Apr 24, 2014 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question on Reported Returns
Replies: 6
Views: 328

Re: Go-Go, Slow Go, No Go theory

Yes, I am planning for this method. I have no idea what age I'll start to slow down though. I'm also not sure things go exponential at the end. Here are to posts showing what people typically spend in retirement as they age and near the end. http://theretirementcafe.blogspot.com/2014/03/long-term-ca...
by 2retire
Wed Apr 23, 2014 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Go-Go, Slow Go, No Go theory
Replies: 14
Views: 2623

Re: Northwestern Mutual Life - Whole Life Policy Review

I don't have anything useful to add, I just wanted to thank you for actually posting your in-force illustration for all to see. We often see them mentioned on this site, and I always wondered what they were. This could be a good learning experience since we now have something to look at.
by 2retire
Tue Apr 22, 2014 6:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Northwestern Mutual Life - Whole Life Policy Review
Replies: 67
Views: 7898

Re: Savings Rate what do you include?

I save in my 401k, my Roth, and taxable. Fixed amounts go to each account every two weeks. I add up those yearly amounts and divide by my regular pretax yearly salary. That is my savings rate. I don't include bonuses, tax refunds, left over money, employer match, extra principle applied to mortgage,...
by 2retire
Tue Apr 22, 2014 10:00 am
 
Forum: Investing - Theory, News & General
Topic: Savings Rate what do you include?
Replies: 69
Views: 5521

Re: Question about IRS Online Payment from Checking Account

I use TaxAct and I always use this method of paying. When submitting the return, it also asks on what day I'd like to pay. I always choose the same day I file. This year that was 4/12/2014. I monies were taken out of my bank account on 4/15/2014.
by 2retire
Sat Apr 19, 2014 5:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about IRS Online Payment from Checking Account
Replies: 25
Views: 3586

Re: Can you put after tax RMD withdrawals into ROTH?

Only if you or you spouse is still working and have earned income up to the amount you want to put in.
by 2retire
Fri Apr 18, 2014 2:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you put after tax RMD withdrawals into ROTH?
Replies: 25
Views: 1832

Re: Proper Money management and itinerary for Europe trip

My thoughts on Munich. The botanical gardens already have one of Ludwig's castles (Nymphenburg Palace) at them, there really isn't a need to go to Neuschwanstein. Everyone seems to want to go to Neu because its exterior is what Disney modeled his castle after and it most resembles people's idea of w...
by 2retire
Mon Apr 14, 2014 4:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Proper Money management and itinerary for Europe trip
Replies: 36
Views: 2553

Re: KeePass vs LastPass

I just figured I'd post this here for all you LastPass users. Your usernames and passwords may have been compromised. They were vulnerable to the HeartBleed attack. Quote: Though LastPass employs OpenSSL, we have multiple layers of encryption to protect our users and never have access to those encry...
by 2retire
Thu Apr 10, 2014 3:12 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 11909

Re: Dual pane windows

I don't know if a couple of doors is going to make that much difference. Most of the benefit may come from the new weather stripping and tighter manufacturing they come with rather than the double-panes. Don't get me wrong, replacing a whole house of singles with doubles makes a huge difference, I j...
by 2retire
Mon Apr 07, 2014 3:38 am
 
Forum: Personal Consumer Issues
Topic: Dual pane windows
Replies: 11
Views: 1341

Re: Bailing On Pimco Bond?

I haven't, but I will admit that I have thought about it. It is running 0.61 behind Vanguard Total Bond Fund this year. Earlier in the year, it was ahead but had a few large single day drops. I'm hoping that soon things will calm down once the institutional investors have pulled their monies out, an...
by 2retire
Fri Apr 04, 2014 10:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Bailing On Pimco Bond?
Replies: 19
Views: 2221

Re: Free "If You Can" Kindle

Bill Bernstein wrote:Someone please let me know if it works.

Thanks for providing the DRM free version, it does work.
by 2retire
Fri Apr 04, 2014 9:41 am
 
Forum: Investing - Theory, News & General
Topic: Free "If You Can" Kindle and .pdf eBook
Replies: 54
Views: 11356

Re: Reaching $1M in Total Assets

How to save a million calculator http://www.bankrate.com/calculators/savings/save-million-calculator.aspx Wow, that is the first time I have seen one of their licensed calculators in use. They always said people could license them, but I've never run across one hosted on a third party site before. ...
by 2retire
Thu Apr 03, 2014 10:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reaching $1M in Total Assets
Replies: 35
Views: 6060

Re: Please help my dad-Social Security question.

See my edit above. That looks correct, it looks like you put him claiming at 67.
by 2retire
Thu Apr 03, 2014 5:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please help my dad-Social Security question.
Replies: 10
Views: 737

Re: Please help my dad-Social Security question.

Those aren't the correct numbers to look at. It is pretty stupid they give those numbers more prominence. Look for the line that says 'Benefit after rounding.' Also, be sure that none of the tables in the report list income after 2014. If they do, a setting is wrong somewhere. The software is kind o...
by 2retire
Thu Apr 03, 2014 4:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please help my dad-Social Security question.
Replies: 10
Views: 737

Re: Please help my dad-Social Security question.

What sscritic said. However, your Dad can go to the SS website and download AnyPIA. It allows you to do what-if analysis by putting in past earnings and allowing you to stop at any date to see what your real SS would be.
by 2retire
Thu Apr 03, 2014 4:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please help my dad-Social Security question.
Replies: 10
Views: 737

Re: Do you consider Vanguard Total Market to be 100% stocks?

For my index funds, yes; for my actively managed funds, no. On my actively managed funds, I count it as fixed income. I have one actively managed fund that has over 13% in cash.

I get the AA's for all my funds every three months and put them into a spreadsheet to figure out my overall AA.
by 2retire
Wed Mar 19, 2014 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you consider Vanguard Total Market to be 100% stocks?
Replies: 15
Views: 2450

Re: continuing my CBS series on AA, small vs large

Thanks for the specifics in the article Larry. Too often I find that finance articles are written so generically that you can't get any kind of actionable information from them. This article actually made me feel like I was sitting down with an adviser and they were telling me why I shouldn't be in ...
by 2retire
Wed Mar 19, 2014 10:19 am
 
Forum: Investing - Theory, News & General
Topic: continuing my CBS series on AA, small vs large
Replies: 6
Views: 908

Re: Sibling is a Financial Adviser, ask investing advice?

I don't see anything wrong with talking to her. As others have said, you don't need to mention specific dollar amounts. She may have good information for you on life insurance, disability insurance, asset allocation, taxes, etc. Stuff that doesn't require you to invest money with her. You should als...
by 2retire
Wed Mar 19, 2014 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Sibling is a Financial Adviser, ask investing advice?
Replies: 30
Views: 2111

Re: is 4gb memory, 500gb hd adequate for new desktop?

thanks to all who responded. I was specifically looking at the new Dell Inspiron 3000 series. Bestbuy has the package w/ 4g ram, 500gb hard drive at $399.98 vs the 8g, 1tb package at $529.98......and just wondered if the exta $129 for 8g, 1tb was worth it. Absolutely not. And to be honest, you are ...
by 2retire
Sat Mar 08, 2014 3:13 pm
 
Forum: Personal Consumer Issues
Topic: is 4gb memory, 500gb hd adequate for new desktop?
Replies: 56
Views: 2307

Re: is 4gb memory, 500gb hd adequate for new desktop?

It should be more than enough. But there is an easy way to tell, on your current machine, run perfmon (start->run>perfmon). You can use it to monitor how your machine uses memory over time. I'd just Google for the basics on using it.
by 2retire
Sat Mar 08, 2014 12:19 pm
 
Forum: Personal Consumer Issues
Topic: is 4gb memory, 500gb hd adequate for new desktop?
Replies: 56
Views: 2307

Re: Buy vs rent no longer relevant?

Of course not, just because you aren't having to pay money out of your pay check, it doesn't mean you aren't what your friends would call 'losing' money. That money you are using for rent is money you could have invested back into the market.
by 2retire
Thu Mar 06, 2014 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy vs rent no longer relevant?
Replies: 60
Views: 6064

Re: Why are 2045/'50 funds only recently underperforming s&p

Lets try and make this a little clearer. Your target date fund holds international stocks. The S&P 500 only contains US stocks. The S&P 500 doesn't include international stocks. During the 2000's international stocks outperformed US stocks (sometimes significantly) Because you held these out...
by 2retire
Thu Mar 06, 2014 10:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Why are 2045/'50 funds only recently underperforming s&p?
Replies: 31
Views: 2183
Next

Return to advanced search