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Re: Grand Canyon

As for going down, that's not important. It's Going Up that's the kicker - just remember to calculate "6 times as long up as down". This can't be overstated. This is where most people get in trouble in the canyon. They start the hike down and don't think it is a big deal until they have t...
by 2retire
Wed Feb 25, 2015 12:24 pm
 
Forum: Personal Consumer Issues
Topic: Grand Canyon
Replies: 32
Views: 1880

Re: Going to Austin, TX in March. What should we be doing?

If you're not from a major metropolitan area, and have never been to a Brazilian steakhouse, you might want to give one a try. Although not special to Austin, they tend to only be located in major metropolitan areas due to their swankiness. It is a fixed price menu, usually about $55 to $75 per pers...
by 2retire
Sun Feb 22, 2015 10:08 am
 
Forum: Personal Consumer Issues
Topic: Going to Austin, TX in March. What should we be doing?
Replies: 24
Views: 1330

Re: Social Security COLAs

According to the interview recently done by Morningstar with the chief actuary of the Social Security Administration. http://news.morningstar.com/articlenet/article.aspx?id=684071 The COLA adjustment doesn't start until your 62'nd birthday. Everyone aged 62 and above gets the COLA adjustment, whethe...
by 2retire
Fri Feb 20, 2015 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security COLAs
Replies: 13
Views: 564

Re: Grand Canyon

Is rim to rim to rim even possible (for your average human)? When I last went, you were only allowed two nights in the canyon. I suppose you could wait at the North Rim until a walk-up permit became available.
by 2retire
Fri Feb 20, 2015 12:56 pm
 
Forum: Personal Consumer Issues
Topic: Grand Canyon
Replies: 32
Views: 1880

Re: Grand Canyon

lthenderson wrote:[snip] When I got off the river, the guides offered me a job a raft swamper for their next trip and I declined and went back to my nine to five job. It was the worst decision I ever made!

http://www.grandcanyonwhitewater.com/wh ... a-swamper/
by 2retire
Fri Feb 20, 2015 12:45 pm
 
Forum: Personal Consumer Issues
Topic: Grand Canyon
Replies: 32
Views: 1880

Re: VWENX huge hit today! [Vanguard Wellington Admiral]

When things like this happen, it is best to go and look at the fund's top 25 holdings on Morningstar. If you do that you'll see they have large positions in Finance and Energy. Stocks in both were down quite a bit today. Their top 25 holdings in those sectors were down over 1.5% today.
by 2retire
Wed Feb 18, 2015 9:11 pm
 
Forum: Investing - Theory, News & General
Topic: VWENX huge hit today! [Vanguard Wellington Admiral]
Replies: 40
Views: 3695

Re: Over the long-run, are there any poor-performing sectors

I seem to recall reading somewhere that airlines have been terrible investments.
by 2retire
Tue Feb 17, 2015 8:01 pm
 
Forum: Investing - Theory, News & General
Topic: Over the long-run, are there any poor-performing sectors?
Replies: 13
Views: 945

Re: How to do "what if" accounting for periodic contribution

It really only affects things in the early stages. Once the amount you have saved dwarfs the contributions, the effect is minimal. Think about it this way. At the beginning of every year, all of the dollars you already have invested are earning what the "growth of 10K" chart shows. Only th...
by 2retire
Mon Feb 16, 2015 10:10 am
 
Forum: Investing - Help with Personal Investments
Topic: How to do "what if" accounting for periodic contributions?
Replies: 4
Views: 281

Re: Backdoor Roth tax chaos; did my F.A. lead me astray?

Did you use Turbo Tax last year and import your data for this year's taxes?

Did you do it like this:

http://thefinancebuff.com/how-to-report ... botax.html
by 2retire
Sun Feb 15, 2015 10:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth tax chaos; did my F.A. lead me astray?
Replies: 36
Views: 1999

Re: Joining the free dinner circuit? Promises, promises.

Thanks for posting these reviews. I was surprised they didn't give people alcohol in order to lower their guards a bit, on the other hand, you seem to be the only one in the room with any guard whatsoever. That may be why they don't. They don't want anyone claiming they sold them something while un...
by 2retire
Tue Feb 10, 2015 10:26 pm
 
Forum: Personal Consumer Issues
Topic: Joining the free dinner circuit? Promises, promises.
Replies: 100
Views: 8078

Re: More evidence that we are dopey investors

It sounds like you are in the same plan as this person that posted earlier today:

viewtopic.php?f=10&t=157949&newpost=2370302
by 2retire
Tue Feb 10, 2015 3:23 pm
 
Forum: Investing - Theory, News & General
Topic: More evidence that we are dopey investors
Replies: 19
Views: 2061

Re: small-caps only 3% in retirement portfolio?

By chance, when you look at the performance of the funds offered, does that fund have the highest return over the last several years? My guess is it does and people in the plan have been throwing all their money at it. It sounds like they are taking fiduciary action and making sure people understand...
by 2retire
Tue Feb 10, 2015 11:27 am
 
Forum: Investing - Theory, News & General
Topic: small-caps only 3% in retirement portfolio?
Replies: 5
Views: 970

Re: $10,000 lump sum into VTIAX?

I would do it. I myself am saving up at the beginning of this year to put a lump sum of $10K+ into VTIAX instead of VTGSX. I don't consider the free conversion a moot point, since the number of shares you own can change. It happened to me when an account went from from VTSMX to VTSAX. Since I like t...
by 2retire
Thu Feb 05, 2015 9:27 am
 
Forum: Investing - Help with Personal Investments
Topic: $10,000 lump sum into VTIAX?
Replies: 19
Views: 1214

Re: Seeking advice on learning computer science

You don't really want to learn computer science, but it sounds like you have already come to that realization. Computer Science programs actually deal with a lot of things that your typical programmer never needs to know or care about, things like which sort method you should use for optimal sorting...
by 2retire
Wed Feb 04, 2015 10:21 pm
 
Forum: Personal Consumer Issues
Topic: Seeking advice on learning computer science
Replies: 40
Views: 1899

Re: How to respond when someone asks how much money you make

Depending on the context, I don't have a problem with telling people my salary. It is all in how the question comes up and why the person might be asking. For example, I don't have a problem discussing salaries with other people in my line of work or close family, but I wouldn't go discussing my sal...
by 2retire
Fri Jan 30, 2015 12:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to respond when someone asks how much money you make?
Replies: 107
Views: 10320

Re: Actual Return on Fidelity and Vanguard

For me, it is under Summary / "Year-To-Date Change", then Your Personal Rate of Return from 01/01/2015 - 01/28/2015 This may only exist for things like a 401(k). Okay, make sense. I also have that available for my 401(k) which is housed at Fidelity (through their NetBenefits site, which i...
by 2retire
Thu Jan 29, 2015 12:17 pm
 
Forum: Investing - Theory, News & General
Topic: Actual Return on Fidelity and Vanguard
Replies: 6
Views: 519

Re: Actual Return on Fidelity and Vanguard

Where are you guys finding your annualized % return? When I log into my account, there is a tab for Portfolio Positions; it only shows % gain on the entire account, so it is something like 320%. I don't see anywhere to get the equivalent of XIRR().
by 2retire
Thu Jan 29, 2015 11:53 am
 
Forum: Investing - Theory, News & General
Topic: Actual Return on Fidelity and Vanguard
Replies: 6
Views: 519

Re: FIFO/Specific Share question

Yes, each account can use a different method. Unfortunately, some companies force you to use the same method for all accounts with them.
by 2retire
Thu Jan 29, 2015 10:54 am
 
Forum: Investing - Help with Personal Investments
Topic: FIFO/Specific Share question
Replies: 3
Views: 165

Re: Morningstar Instant Xray

This is the only thing I know of. http://portfolio.morningstar.com/rtport/reg/xray_landingpage.aspx Perhaps you can tell us what you're having trouble understanding. The vast majority of the information on that page is just that, information about what makes up the particular fund(s) you asked it ab...
by 2retire
Tue Jan 27, 2015 3:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Morningstar Instant Xray
Replies: 5
Views: 726

Re: Iceland

There is a pretty easy hike/stroll between the North American and Eurasian tectonic plates. If you are a scuba diver, you can even swim between them.
by 2retire
Tue Jan 27, 2015 2:03 pm
 
Forum: Personal Consumer Issues
Topic: Iceland
Replies: 16
Views: 1609

Re: Short term bonds in rising interest rates?

I will take a look. Thanks! Am I correct that Bernstein's position is to only utilize short term bonds in a portfolio? That is all I have ever read him endorse. However, the problem with Bernstein's recommendation is that using the word short term doesn't really tell you what he means. I think that...
by 2retire
Wed Jan 14, 2015 2:32 pm
 
Forum: Investing - Theory, News & General
Topic: Short term bonds in rising interest rates?
Replies: 26
Views: 2635

Re: Good for property value ?

Depends on his/her personality, although a buyer of your home might not find out until it's too late. In a neighborhood where I used to live, we had a cop move in. He was a total jerk with a control-freak personality, he started frivolous boundary disputes with all 3 of his neighbors (including me)...
by 2retire
Wed Jan 14, 2015 2:19 pm
 
Forum: Personal Consumer Issues
Topic: Good for property value ?
Replies: 20
Views: 1988

Re: Can I fund Vanguard purchases with my Target REDcard?

Good to hear, Victoria....my RedCard is in the mail, and I'm a little anxious about loading it. To the OP, even if you could transfer the money to Vanguard, why would you want to? If you put $5,000 on your RedCard from your credit card, you now have a $5,000 credit card bill to deal with. Why not j...
by 2retire
Tue Jan 13, 2015 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I fund Vanguard purchases with my Target REDcard?
Replies: 40
Views: 4078

Re: A mortgage prepayment puzzler

How are you guys coming up with 4 years and 5.9 years being knocked off? Is there something I can do in Excel to see how you guys are coming up with these numbers? For the last few years, we have been adding extra principal to our payments. I've been looking for a calculator or spreadsheet that woul...
by 2retire
Thu Jan 08, 2015 9:55 am
 
Forum: Investing - Theory, News & General
Topic: A mortgage prepayment puzzler
Replies: 15
Views: 1618

Re: A Big Birthday?

No, you don't have to wait. You can also start funding your 401(k) the extra 6,000 too this year.

Edit: Some on this forum recommend that you don't actually fully fund your Roth until you have at least earned enough qualified income for the year, just in case.
by 2retire
Thu Jan 01, 2015 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: A Big Birthday? [IRA Catch-up Contributions]
Replies: 4
Views: 669

Re: Appalachian Trail thru-hike in retirement?

I've hiked neither, but have spent time looking into both. Based on the reading I have done, the PCT is by far a prettier walk, but the AT is more doable by your average person. Perhaps tbradnc can weigh in on what I have seem to have found: ⋅ Due to the population density on the East coas...
by 2retire
Wed Dec 31, 2014 11:05 am
 
Forum: Personal Consumer Issues
Topic: Appalachian Trail thru-hike in retirement?
Replies: 49
Views: 4374

Re: 401k contribution deadline

It will be interesting to hear what people with more knowledge have to say on this. However, I can tell you that my employer doesn't make my final deposit of the year until January. My W-2 always shows the money as coming out in the previous year though. I believe it gives the employer flexibility i...
by 2retire
Mon Dec 29, 2014 11:17 am
 
Forum: Investing - Theory, News & General
Topic: 401k contribution deadline
Replies: 7
Views: 790

Re: Tablet (something simple) for after a stroke?

Does your relative still attend therapy? Do they have an occupational therapist (OT)? If so, I would raise the issue with their therapist. In this day and age, I would have to believe that OTs are using tablets. You could have them do an evaluation on your relative and provide a recommendation.
by 2retire
Mon Dec 29, 2014 8:47 am
 
Forum: Personal Consumer Issues
Topic: Tablet (something simple) for after a stroke?
Replies: 16
Views: 1472

Re: Appalachian Trail thru-hike in retirement?

That is also number one on my retirement list. I'm still many years away though, I'm hoping to do it around age 58. Since your portfolio's performance and spending are very important your first years of retirement, I figure it is also a good way to limit my spending during the initial years. If it g...
by 2retire
Sun Dec 28, 2014 12:14 pm
 
Forum: Personal Consumer Issues
Topic: Appalachian Trail thru-hike in retirement?
Replies: 49
Views: 4374

Re: What is considered to be a good 401k match?

This information is actually very easy to get. Every year, Vanguard produces a report called How America Saves. You can download it here.

https://institutional.vanguard.com/VGAp ... aSaves2014

The information you want begins on page 11.
by 2retire
Sun Dec 28, 2014 9:44 am
 
Forum: Investing - Help with Personal Investments
Topic: What is considered to be a good 401k match?
Replies: 74
Views: 4423

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: 439

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: 1195
Views: 222284

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: 1082

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: 3617

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: 2615

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: 2615

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: 893

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: 20172

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: 2900

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: 75
Views: 10585

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: 3269

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: 2166

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: 3337

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: 442

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: 11217

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: 3337

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: 1549
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