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Re: Edward Jones - Ripped off Advice

Move on?? Not me. I would simply get the facts on where the money went by asking her to sit down with you and go over the statements. I wont let thirty grand just disappear without knowing why.
by coachz
Wed Mar 11, 2015 6:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Edward Jones - Ripped off Advice
Replies: 20
Views: 1539

Re: Will young get social security?

I'm currently 55 and wondering if it is starting to make sense to lock in at 62 or risk a reduced amount at 70.
by coachz
Tue Jan 13, 2015 8:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Will young get social security?
Replies: 13
Views: 1221

Will young get social security?

I keep hearing "today's young people won't have social security when they retire". Is that actually possible? I would expect anyone forced to pay into a system to demand their due share as an entitlement or go postal. Am I missing something? I don't imagine the government is going to say t...
by coachz
Tue Jan 13, 2015 8:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Will young get social security?
Replies: 13
Views: 1221

Re: Very basic social security question

She can get her amount at http://www.SSA.gov by logging in. You can also call them for the spousal benefit amount and they are pretty helpful.
by coachz
Tue Jan 13, 2015 7:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Very basic social security question
Replies: 2
Views: 549

Re: Real Value of Nest Egg

The Wizard wrote:Save 20% additional as a pad against negative volatility and you should be fine...


Said as easily as "Work 20 more years" :mrgreen:
by coachz
Mon Jan 05, 2015 10:41 am
 
Forum: Investing - Theory, News & General
Topic: Real Value of Nest Egg
Replies: 24
Views: 1958

Re: Real Value of Nest Egg

Surely, a bad sequence of returns is much more likely when the market is at an all time high. A bad sequence of returns does not depend on what has happened with the market in the past week, month, or year, nor if the market is at a high or not. It could happen any time. Do you have a source indica...
by coachz
Mon Jan 05, 2015 9:42 am
 
Forum: Investing - Theory, News & General
Topic: Real Value of Nest Egg
Replies: 24
Views: 1958

Re: Real Value of Nest Egg

sorry, let's assume that the asset mix is 50/50 stocks/bonds
by coachz
Mon Jan 05, 2015 9:00 am
 
Forum: Investing - Theory, News & General
Topic: Real Value of Nest Egg
Replies: 24
Views: 1958

Real Value of Nest Egg

So, you saved up $1,000,000 and you consulted a variety of CFPs who use the 4% rule and say you should be fine to get $40,000 indexed for inflation for the next 35 years. The problem is, the stock market is at an all time high of 18,000. Does this mean your $1,000,000 is not really the right number ...
by coachz
Mon Jan 05, 2015 8:28 am
 
Forum: Investing - Theory, News & General
Topic: Real Value of Nest Egg
Replies: 24
Views: 1958

Re: Taxes in retirement

thanks, D11 was the problem.
by coachz
Sun Dec 07, 2014 4:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxes in retirement
Replies: 4
Views: 862

Taxes in retirement

I'm trying to calculate taxes in retirement and getting results that differ from calcxml.com's wizard. We are married filing jointly and applying the standard deduction and two personal deductions. http://i.imgur.com/kVHqbWx.jpg Also using a 2013 SC State calculator seems off on federal too. Any ide...
by coachz
Sun Dec 07, 2014 10:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Taxes in retirement
Replies: 4
Views: 862

Re: One Source to follow world markets ?

That makes sense. Thanks for hanging in there with me.
by coachz
Tue Nov 18, 2014 6:34 pm
 
Forum: Investing - Theory, News & General
Topic: One Source to follow world markets ?
Replies: 26
Views: 1972

Re: "Stay the course."

Coachz: No one in the mutual fund industry has a greater combination of impeccable character, knowledge, inventive genius, practical experience, wisdom, perseverance, literary ability, kindness, modesty, and the desire to help others than Jack Bogle. This is what he wrote in Common Sense on Mutual ...
by coachz
Tue Nov 18, 2014 1:00 pm
 
Forum: Investing - Theory, News & General
Topic: One Source to follow world markets ?
Replies: 26
Views: 1972

Re: Paid off our Mortgage this evening!

Awesome! You will never regret it. I don't!!!
by coachz
Mon Nov 17, 2014 7:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off our Mortgage this evening!
Replies: 75
Views: 10677

Re: William Bernstein's media recommendation.

I have read it (Four Pillars of Investing). :-) coachz: Page 224 of Bill Bernstein's Four Pillars of Investing : Do not read any more magazine or newspaper articles on finance, and, whatever you do, do not watch Wall Street Week, Nightly Business Report, or CNBC. Best wishes Taylor Taylor, you are ...
by coachz
Mon Nov 17, 2014 6:16 pm
 
Forum: Investing - Theory, News & General
Topic: One Source to follow world markets ?
Replies: 26
Views: 1972

Re: One Source to follow world markets ?

How much granularity do you want? If you just want broad stock and bond markets, set up a Morningstar portfolio with one share of each of the institutional share class of Vanguard funds total world stock market, total bond market and total international bond market. Then look at that portfolio and ...
by coachz
Mon Nov 17, 2014 6:05 pm
 
Forum: Investing - Theory, News & General
Topic: One Source to follow world markets ?
Replies: 26
Views: 1972

Re: One Source to follow world markets ?

I have read it. :-)
by coachz
Mon Nov 17, 2014 12:31 pm
 
Forum: Investing - Theory, News & General
Topic: One Source to follow world markets ?
Replies: 26
Views: 1972

Re: One Source to follow world markets ?

Thanks, I won't be doing any trading. I'm a Boglehead ! Looks interesting. Try Marketwatch if you can resist over-trading. "If you can keep your head when all about you Are losing theirs and blaming it on you, If you can trust yourself when all men doubt you," "If you can make one hea...
by coachz
Mon Nov 17, 2014 11:41 am
 
Forum: Investing - Theory, News & General
Topic: One Source to follow world markets ?
Replies: 26
Views: 1972

Re: The "pulse" of world financial markets?

I think I will learn more about how money works. Interest rates go up, what ripple effect happens. A particular sector plunges, what else is affected. Inflation drops, what else changes. How is all this intertwined ? Why is it that you want to keep your finger "on the pulse" of world finan...
by coachz
Mon Nov 17, 2014 11:40 am
 
Forum: Investing - Theory, News & General
Topic: One Source to follow world markets ?
Replies: 26
Views: 1972

One Source to follow world markets ?

I was watching this youtube video on Floor Trading and was wondering for an outsider like me, what is one source I could follow every day that would let me have a finger on the pulse of US and world markets and their sentiment? Nothing realtime of course. Are there any good sources ? :sharebeer http...
by coachz
Sun Nov 16, 2014 3:15 pm
 
Forum: Investing - Theory, News & General
Topic: One Source to follow world markets ?
Replies: 26
Views: 1972

Re: Tax loss harvesting

True, I'm planning for when the Dow hits 15000!
by coachz
Tue Nov 04, 2014 7:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting
Replies: 3
Views: 415

Tax loss harvesting

Can I do something like this tax loss harvesting described here

http://www.mrmoneymustache.com/2014/11/ ... etterment/

Any articles I can read?
by coachz
Tue Nov 04, 2014 7:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting
Replies: 3
Views: 415

Re: Is $700,000 enough to retire? Opinions please .

I was reading all of these hoping to see how it worked out for Cararo but never saw the OP again. :oops: :annoyed
by coachz
Sat Nov 01, 2014 10:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Is $700,000 enough to retire? Opinions please .
Replies: 86
Views: 13223

Re: THANK YOU!!! Bogleheads Conference #13 (2014)

Just slides? Sorry but I find slide presentations all but useless. Bummer. That's a strange response to a gift... Lady Geek said videos will be posted later, just like they are for all recent BH Conferences. Then you can watch the video with the presentation. Patience in investing and life will gro...
by coachz
Sat Nov 01, 2014 6:33 am
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 74
Views: 9450

Re: Just applied for voyager select.

Sure thing. I would call them on the phone and ask the reason. They submitted my application and I was told you need 500k in vanguard to qualify. That should be all you need from what I have been told. We'll see if they accept me.
by coachz
Sat Nov 01, 2014 4:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Just applied for voyager select.
Replies: 11
Views: 1889

Re: Just applied for voyager select.

It's all about short-term opportunistic rebalancing due to a short-term change in one's asset allocation.
by coachz
Fri Oct 31, 2014 6:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just applied for voyager select.
Replies: 11
Views: 1889

Just applied for voyager select.

Just broke the voyager select level and hope to get the CFP eval to learn more. Yay
by coachz
Fri Oct 31, 2014 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just applied for voyager select.
Replies: 11
Views: 1889

Re: THANK YOU!!! Bogleheads Conference #13 (2014)

Just slides? Sorry but I find slide presentations all but useless. Bummer.

CABob wrote:
coachz wrote:Any videos to help educate us peasants from the meet up?

See Lady Geek's message above.
by coachz
Tue Oct 28, 2014 5:51 am
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 74
Views: 9450

Re: THANK YOU!!! Bogleheads Conference #13 (2014)

Any videos to help educate us peasants from the meet up?
by coachz
Sun Oct 26, 2014 6:34 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 74
Views: 9450

Re: Diy managed payout fund?

Thank you for the info. I really appreciate it.

John
by coachz
Sun Oct 19, 2014 6:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Diy managed payout fund?
Replies: 6
Views: 467

Re: Diy managed payout fund?

Is a target fund OK for an 82 year old? Seem they would have reached the target already no?
by coachz
Sun Oct 19, 2014 6:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Diy managed payout fund?
Replies: 6
Views: 467

Diy managed payout fund?

Since most bogleheads don't like the Vanguard Managed Payout funds what can I tell my 82 yr old mother to put here money into since she got scared from the news and took all her money out of VG and bought CDs. Yeah she did! She probably has 200k.
by coachz
Sun Oct 19, 2014 6:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Diy managed payout fund?
Replies: 6
Views: 467

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 7:14 pm
 
Forum: Investing - Theory, News & General
Topic: Let's hear your Dave Ramsey success stories
Replies: 32
Views: 4642

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 6:39 pm
 
Forum: Investing - Theory, News & General
Topic: Let's hear your Dave Ramsey success stories
Replies: 32
Views: 4642

Re: High Growth Small Cap allocation

Great info. Thanks, damn I was ready to get rich quicker! :D
by coachz
Tue Aug 12, 2014 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: High Growth Small Cap allocation
Replies: 17
Views: 1434

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 4:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: High Growth Small Cap allocation
Replies: 17
Views: 1434

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 3:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: High Growth Small Cap allocation
Replies: 17
Views: 1434

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 6:45 am
 
Forum: Investing - Help with Personal Investments
Topic: High Growth Small Cap allocation
Replies: 17
Views: 1434

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 7:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Where does 4% start
Replies: 28
Views: 3644

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 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where does 4% start
Replies: 28
Views: 3644

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 12:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where does 4% start
Replies: 28
Views: 3644

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 12:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where does 4% start
Replies: 28
Views: 3644

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 11:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Where does 4% start
Replies: 28
Views: 3644

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 10:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Where does 4% start
Replies: 28
Views: 3644

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 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Where does 4% start
Replies: 28
Views: 3644

Re: Insurance Inflation ?

looks like i'll be watching youtube videos on self-treatment in the future. :-(
by coachz
Thu Jul 17, 2014 1:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance Inflation ?
Replies: 14
Views: 846

Re: I'm a genius!

only if you're rich now ! :beer
by coachz
Thu Jul 17, 2014 1:13 pm
 
Forum: Investing - Theory, News & General
Topic: I'm a genius!
Replies: 19
Views: 5262

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 11:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Insurance Inflation ?
Replies: 14
Views: 846

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 10:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Insurance Inflation ?
Replies: 14
Views: 846
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