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Re: Let's hear your Dave Ramsey success stories

His message really resonated with me. I really found his get out of debt advise to be heartfelt from his real experiences and his 5 hour lecture went by like nothing. He taught me how important it is that the spouse is in sync so I made sure my wife and I agreed on his advice. House and cars paid of...
by coachz
Fri Sep 26, 2014 8:14 pm
 
Forum: Investing - Theory, News & General
Topic: Let's hear your Dave Ramsey success stories
Replies: 32
Views: 4029

Re: Let's hear your Dave Ramsey success stories

House and cars paid off all due to Dave's great message. I don't believe in his investment advice but for getting out of debt he's the best.
by coachz
Wed Sep 24, 2014 7:39 pm
 
Forum: Investing - Theory, News & General
Topic: Let's hear your Dave Ramsey success stories
Replies: 32
Views: 4029

Re: High Growth Small Cap allocation

Great info. Thanks, damn I was ready to get rich quicker! :D
by coachz
Tue Aug 12, 2014 7:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: High Growth Small Cap allocation
Replies: 17
Views: 1260

Re: High Growth Small Cap allocation

But don't the history of these have higher average returns than total stock market index fund?
by coachz
Tue Aug 12, 2014 5:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: High Growth Small Cap allocation
Replies: 17
Views: 1260

Re: High Growth Small Cap allocation

I'm so confused. :confused. Are there ways to get higher expected returns by taking a bit more risk?
by coachz
Tue Aug 12, 2014 4:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: High Growth Small Cap allocation
Replies: 17
Views: 1260

High Growth Small Cap allocation

For someone who does not flinch when the market drops, why not put all your money in high growth small caps. Isn't that where the largest returns are ? And when in retirement / distribution phase, why not put all but the next 5 years in high growth small caps to get the biggest returns ?
by coachz
Tue Aug 12, 2014 7:45 am
 
Forum: Investing - Help with Personal Investments
Topic: High Growth Small Cap allocation
Replies: 17
Views: 1260

Re: Where does 4% start

When you say you can get a 10% annual payout, I understand $100,000 gives $10,000 a year. How would I calculate the actual return since my principal is being returned in it?
by coachz
Mon Aug 04, 2014 8:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Where does 4% start
Replies: 28
Views: 2942

Re: Where does 4% start

I didn't even know I was going to Ireland ! Woo hoo ! :beer Lets say you have a million and you want to retire and use 4% SWR in this example and the stock market is at an all time high. You are basically asking, Is retiring at an all-time market high with barely enough more like one of the failure ...
by coachz
Sun Aug 03, 2014 1:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where does 4% start
Replies: 28
Views: 2942

Re: Where does 4% start

This was meant as just an example, not to weigh whether a million is enough or not. Lets say you have a million and you want to retire and use 4% SWR in this example and the stock market is at an all time high. You are basically asking, Is retiring at an all-time market high with barely enough more ...
by coachz
Sun Aug 03, 2014 1:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where does 4% start
Replies: 28
Views: 2942

Re: Where does 4% start

Good point. I'm 55 so I wasn't thinking about the rates of an older investor. Thanks. I know I'm usually wrong, I just like to follow up to find out WHY ! :-) The comment about if you didn't retire with enough annuitize doesn't ring true for me. Annuities typically pay less than I would get in the m...
by coachz
Sun Aug 03, 2014 1:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where does 4% start
Replies: 28
Views: 2942

Re: Where does 4% start

The comment about if you didn't retire with enough annuitize doesn't ring true for me. Annuities typically pay less than I would get in the market. If I don't have enough to live on from market returns an annuity surely won't help. And yet the MAJORITY of financial planners use 4%. I don't see any p...
by coachz
Sun Aug 03, 2014 12:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where does 4% start
Replies: 28
Views: 2942

Re: Where does 4% start

And yet the MAJORITY of financial planners use 4%. I don't see any point in all those powerpoint slides that adds or negates my question. I'm not debating if 4% is safe I'm using it as an example to question what is the real value of my portfolio at a market high.
by coachz
Sun Aug 03, 2014 11:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Where does 4% start
Replies: 28
Views: 2942

Where does 4% start

Lets say you have a million and you want to retire and use 4% SWR in this example and the stock market is at an all time high. Do you use this current number ? Is it really a million or do you use an average of the last 5 years of what the market was which might mean your million dollars is really o...
by coachz
Sun Aug 03, 2014 11:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Where does 4% start
Replies: 28
Views: 2942

Re: Insurance Inflation ?

looks like i'll be watching youtube videos on self-treatment in the future. :-(
by coachz
Thu Jul 17, 2014 2:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance Inflation ?
Replies: 14
Views: 835

Re: I'm a genius!

only if you're rich now ! :beer
by coachz
Thu Jul 17, 2014 2:13 pm
 
Forum: Investing - Theory, News & General
Topic: I'm a genius!
Replies: 19
Views: 5227

Re: Insurance Inflation ?

is there any easy way to look at the last 10 years to see what the average is ? Maybe I was wrong. I said 6%. But for 12 months ending May 2014 it seems to have been more like 3%. Looking at the CPI Detailed Report: Data for May 2014 , on page 12, "Medical costs," you can see the breakdown...
by coachz
Wed Jul 16, 2014 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance Inflation ?
Replies: 14
Views: 835

Insurance Inflation ?

I'm wondering what the real inflation rate of health insurance is for budgeting? I have read it's more than 3% per year and have even read 6%. So, what do you guys see for the inflation rate with your own insurance in retirement before Medicare kicks in and THEN what is real inflation of Medicare ra...
by coachz
Wed Jul 16, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Insurance Inflation ?
Replies: 14
Views: 835

Re: Has anyone tried/used the Guyton/Klinger method for a VP

I just reread this thread and I'm more confused than before. :annoyed
by coachz
Mon Jul 14, 2014 7:40 pm
 
Forum: Investing - Theory, News & General
Topic: Has anyone tried/used the Guyton/Klinger method for a VPW
Replies: 34
Views: 3040

Re: Other forums of same high Quality?

I think you mean cruisecritic.com We've become quite active on CruiseCritics.com However, I would rate BH's as much better, for a couple of reasons, although partly it is due to the nature of the topics. On CC, there is sometimes a lot more in the way of "argumentative" back and forth, too...
by coachz
Sun Jul 13, 2014 8:58 pm
 
Forum: Personal Consumer Issues
Topic: Other forums of same high Quality?
Replies: 6
Views: 1593

Re: Online classes?

I'm pretty good at spotting the sharks. Our town seems full of annuity salesman? Anyone have some old CFP books they want to give me?
by coachz
Thu Jul 10, 2014 8:54 pm
 
Forum: Investing - Theory, News & General
Topic: Online classes?
Replies: 14
Views: 1939

Online classes?

Are there any online classes I can take to learn more about all of the different financial instruments available and the details of each. How to read prospectuses, understand bond duration better, how to calculate real returns, tax strategies, municipal bonds, annuities, tips, etc....kind of like be...
by coachz
Thu Jul 10, 2014 7:47 pm
 
Forum: Investing - Theory, News & General
Topic: Online classes?
Replies: 14
Views: 1939

Re: How I look at $ in the real world vs my retirement accou

I understand we are all different. Would you care to elaborate on the loan terms, what you can invested in and the returns. My way is certainly not the only way. Well I think of it like this. I paid off my mortgage a few years ago and it gave me amazing peace of mind. Now I ask myself, Would I take ...
by coachz
Thu Jul 10, 2014 7:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: How I look at $ in the real world vs my retirement accounts
Replies: 50
Views: 7183

Re: Vanguard Internet

I write web apps for a living. I just built a logon system not unsimilar to Vanguards. IMO there are a number of things they could do to improve the security. First, require longer usernames and passwords with better password requirements. The current requirements are way too weak. I am NOT comforta...
by coachz
Thu Jul 10, 2014 4:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Internet
Replies: 23
Views: 2774

Re: How I look at $ in the real world vs my retirement accou

Well I think of it like this. I paid off my mortgage a few years ago and it gave me amazing peace of mind. Now I ask myself, Would I take out a loan to invest in "whatever". The answer for me is absolutely NO. Pay off the mortgage and ignore the Vanguard lady. Exact opposite for me (well n...
by coachz
Thu Jul 10, 2014 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: How I look at $ in the real world vs my retirement accounts
Replies: 50
Views: 7183

Re: How I look at $ in the real world vs my retirement accou

Pay off the mortgage and ignore the Vanguard lady.
by coachz
Wed Jul 09, 2014 4:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: How I look at $ in the real world vs my retirement accounts
Replies: 50
Views: 7183

Re: Washington state retirees?

Thanks, my wife and I lived in Eugene, OR for 4 years and loved it. Gray skies are no problem, I'll find sun if I miss it.
by coachz
Mon Jun 30, 2014 6:36 pm
 
Forum: Personal Consumer Issues
Topic: Washington state retirees?
Replies: 29
Views: 1812

Re: Washington state retirees?

to me the area is way more important than the house. i want to be out and about. If i can find something that gives me access to the things i love i'm there. now i just have to convince my wife !
by coachz
Mon Jun 30, 2014 2:09 pm
 
Forum: Personal Consumer Issues
Topic: Washington state retirees?
Replies: 29
Views: 1812

Re: Washington state retirees?

ahh, that's important to know, traffic can be very rough. thanks
by coachz
Mon Jun 30, 2014 12:35 pm
 
Forum: Personal Consumer Issues
Topic: Washington state retirees?
Replies: 29
Views: 1812

Re: Washington state retirees?

thanks, the ferry looks like it could be expensive if i did it a lot though
by coachz
Mon Jun 30, 2014 11:26 am
 
Forum: Personal Consumer Issues
Topic: Washington state retirees?
Replies: 29
Views: 1812

Re: File and suspend

Great tips, thank you so much. You guys are really the best ! :beer
by coachz
Mon Jun 30, 2014 9:54 am
 
Forum: Personal Finance (Not Investing)
Topic: File and suspend
Replies: 9
Views: 1235

Re: Washington state retirees?

Thanks ! I have a lot to look at. I like the idea of being within an hour of Seattle because I like concerts, but the hiking, city swimming pools and outdoor biking is so awesome. I have a hobbyist/pro level recording studio that I would move out there so if I can find a happy medium between being c...
by coachz
Mon Jun 30, 2014 9:52 am
 
Forum: Personal Consumer Issues
Topic: Washington state retirees?
Replies: 29
Views: 1812

Re: Washington state retirees?

Thanks, I'm trying to find out which cities in WA have the best LONG hard/dirt (not gravel) or paved bicycle paths. I got spoiled in Eugene, OR with the long paved paths by the Willamette river for dozens of miles. This looks exciting. http://www.olympicdiscoverytrail.com/
by coachz
Mon Jun 30, 2014 7:48 am
 
Forum: Personal Consumer Issues
Topic: Washington state retirees?
Replies: 29
Views: 1812

Re: Washington state retirees?

Probably $350k
by coachz
Sun Jun 29, 2014 7:12 pm
 
Forum: Personal Consumer Issues
Topic: Washington state retirees?
Replies: 29
Views: 1812

Re: Has anyone tried/used the Guyton/Klinger method for a VP

Thank you, next time I will post more info about the link. Thanks!
by coachz
Sun Jun 29, 2014 5:29 pm
 
Forum: Investing - Theory, News & General
Topic: Has anyone tried/used the Guyton/Klinger method for a VPW
Replies: 34
Views: 3040

Washington state retirees?

Hi, looking to retire within an hour of Seattle and looking for suggestions. I like concerts, farms and outdoors and my wife loves wineries.
by coachz
Sun Jun 29, 2014 5:04 pm
 
Forum: Personal Consumer Issues
Topic: Washington state retirees?
Replies: 29
Views: 1812

Re: Has anyone tried/used the Guyton/Klinger method for a VP

Thank you for the explanation and input. I realize I am a total noob at this but the logic is compelling to me:

https://www.youtube.com/watch?v=tH_Shw9RXB4
by coachz
Sun Jun 29, 2014 4:16 pm
 
Forum: Investing - Theory, News & General
Topic: Has anyone tried/used the Guyton/Klinger method for a VPW
Replies: 34
Views: 3040

Re: File and suspend

Are there income limits on who can get spousal benefits ? If husband and wife both make about the same money (say $80k), can one file and suspend and can the other draw spousal benefits ?
by coachz
Sun Jun 29, 2014 2:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: File and suspend
Replies: 9
Views: 1235

Re: Has anyone tried/used the Guyton/Klinger method for a VP

"but that does not mean they will not work in the future." So doesn't that also apply to Guyton/Klinger ? SWR and backtesting are both simply past data with no guarantee of future performance so I should weigh them both equally suspiciously ? So? See the last sentence of my post. But that ...
by coachz
Sun Jun 29, 2014 12:00 pm
 
Forum: Investing - Theory, News & General
Topic: Has anyone tried/used the Guyton/Klinger method for a VPW
Replies: 34
Views: 3040

Re: Has anyone tried/used the Guyton/Klinger method for a VP

But that seems to me the same reasons not to trust SWR. Why is backtesting dismissed so much? Is the future really that different than what all the historical data has already experienced? I find that hard to believe. And if the future IS so different then it seems SWR will be equally screwed. What ...
by coachz
Sun Jun 29, 2014 8:02 am
 
Forum: Investing - Theory, News & General
Topic: Has anyone tried/used the Guyton/Klinger method for a VPW
Replies: 34
Views: 3040

Re: Has anyone tried/used the Guyton/Klinger method for a VP

Why is backtesting dismissed so much? Is the future really that different than what all the historical data has already experienced? I find that hard to believe. And if the future IS so different then it seems SWR will be equally screwed. What am I missing ? Backtesting seems to take into account th...
by coachz
Sun Jun 29, 2014 6:30 am
 
Forum: Investing - Theory, News & General
Topic: Has anyone tried/used the Guyton/Klinger method for a VPW
Replies: 34
Views: 3040

Re: Has anyone tried/used the Guyton/Klinger method for a VP

Can anyone explain the guyton Klinger method in terms I can explain it to my mom with?
by coachz
Sat Jun 28, 2014 9:52 pm
 
Forum: Investing - Theory, News & General
Topic: Has anyone tried/used the Guyton/Klinger method for a VPW
Replies: 34
Views: 3040

Re: Tracking my funds

Thank you
by coachz
Sat Jun 28, 2014 9:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tracking my funds
Replies: 2
Views: 355

Tracking my funds

I would like to make a spreadsheet to track our monthly fund contributions, their gains or losses, interest, dividends and deduct the fees.

Is there already such a spreadsheet I can download to save time?

When do fees get deducted from funds? Thanks for any help. :sharebeer
by coachz
Sat Jun 28, 2014 8:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tracking my funds
Replies: 2
Views: 355

Re: SS Gap Until 70?

I don't see a spreadsheet there. Sure, you can run any of the retirement planners such as FireCalc, I think the Fidelity planner, Otar's planner, iORP, etc., which have the feature of specifying a start date for any income. Those planners also allow start dates for additional or lesser expense, addi...
by coachz
Sat Jun 28, 2014 8:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS Gap Until 70?
Replies: 29
Views: 2464

Re: File and suspend

Very interesting. Since our PIAs are so close, am I allowed to collect spousal benefits?
by coachz
Sat Jun 28, 2014 8:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: File and suspend
Replies: 9
Views: 1235

Re: File and suspend

Totally helpful. Thanks, wife files at 70 and I take spousal at FRA until 70 when I file then for full benefits. Thanks!
by coachz
Sat Jun 28, 2014 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: File and suspend
Replies: 9
Views: 1235

File and suspend

For the situation where the wife is 4 years older than the husband and wife's salary is $75k and husbands is $85k, what would be the best strategy?

Its the wife files and suspends at age 66 and the husband claims special benefits he would lock in reduced rates forever so that doesn't make sense.
by coachz
Sat Jun 28, 2014 4:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: File and suspend
Replies: 9
Views: 1235

Re: Experience with Lynda.com? [online tech training]

They are good quality and a great way to get started. You won't become an expert but will get a good foundation.
by coachz
Tue Jun 17, 2014 7:25 pm
 
Forum: Personal Consumer Issues
Topic: Experience with Lynda.com? [online tech training]
Replies: 7
Views: 1005

Re: Books for during retirement?

Thanks, that helps a lot. :beer
by coachz
Tue Jun 17, 2014 11:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Books for during retirement?
Replies: 18
Views: 1267

Re: Books for during retirement?

Must be a convoluted idea if he can't fit it in one book.

Leeraar wrote:
coachz wrote:Is there a different title to the book "William Bernstein on liability matching"?


The idea is not totally in one book.

http://wpfau.blogspot.com/2012/06/revie ... -book.html

L.
by coachz
Tue Jun 17, 2014 7:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Books for during retirement?
Replies: 18
Views: 1267
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