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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: 697

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: 15
Views: 1191

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: 2577

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: 1963

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: 3957

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: 1613

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: 659

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: 4329

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: 783

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: 1436

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: 4329

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: 4402

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: 438

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: 221418

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: 1075

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: 3599

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: 2598

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: 2598

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: 873

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: 19867

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: 2878

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: 10195

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: 3240

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: 2156

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: 3285

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: 420

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: 11090

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: 3285

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: 1525

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: 1207

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: 273
Views: 27620

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: 1515

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: 1060

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: 932

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: 1076

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: 4400

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: 1100

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: 3307

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: 1981

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: 1981

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: 1965

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: 1027

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: 9225

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: 583

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: 3464

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: 1122

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: 3464
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