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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: 815

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: 5156

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: 815

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: 815

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: 2935

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: 1556

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: 7
Views: 1040

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: 7
Views: 1040

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: 45
Views: 5824

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: 2712

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: 45
Views: 5824

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: 45
Views: 5824

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: 1762

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: 1762

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: 1762

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: 1762

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: 1222

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: 1762

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: 1762

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: 1762

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: 2935

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: 1762

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: 2935

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: 1222

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: 2935

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: 2935

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: 2935

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: 2935

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: 354

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: 354

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: 2431

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: 1222

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: 1222

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: 1222

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: 975

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: 1231

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: 1231

Re: Books for during retirement?

Leeraar might know..

tomd37 wrote:Coachz,
Could it be "The Ages of the Investor"?
by coachz
Mon Jun 16, 2014 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Books for during retirement?
Replies: 18
Views: 1231

Re: Books for during retirement?

I bought and read it. Nice book. I'll second Retirement Income Redesigned . Here's an earlier book by Otar that's not nearly as expensive as the paper copy of Unveiling The Retirement Myth : http://www.amazon.com/High-Expectations-False-Dreams-Retirement/dp/0968963404/ref=sr_1_2?s=books&ie=UTF8&...
by coachz
Mon Jun 16, 2014 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Books for during retirement?
Replies: 18
Views: 1231

Re: Books for during retirement?

Is there a different title to the book "William Bernstein on liability matching"?
by coachz
Mon Jun 16, 2014 8:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Books for during retirement?
Replies: 18
Views: 1231

Re: Books for during retirement?

Thanks I can do interlibrary loans.
by coachz
Mon Jun 16, 2014 7:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Books for during retirement?
Replies: 18
Views: 1231

Books for during retirement?

Can you all recommend any books about strategies to use during retirement for decumulation including tax strategies?
by coachz
Mon Jun 16, 2014 6:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Books for during retirement?
Replies: 18
Views: 1231

Re: How do I post/link a spreadsheet

Put it on Google drive in a public folder and select and click share. Post that link.
by coachz
Fri Jun 13, 2014 8:16 pm
 
Forum: Forum Issues and Administration
Topic: How do I post/link a spreadsheet
Replies: 7
Views: 580

Re: "Is Bogle Befuddling?"

Bump Alex!
by coachz
Mon Jun 09, 2014 8:12 pm
 
Forum: Investing - Theory, News & General
Topic: "Is Bogle Befuddling?"
Replies: 57
Views: 7063

Re: Dow going to continue up?

It's in the "comments" Do any of you think these comments from here are valid? http://finance.yahoo.com/blogs/talking-numbers/we-are-about-to-enter-the-greatest-bull-market-in-85-years-225051152.html This link you provided is titled We are about to enter the greatest bull market in 85 year...
by coachz
Mon Jun 09, 2014 11:58 am
 
Forum: Investing - Theory, News & General
Topic: Dow going to continue up?
Replies: 22
Views: 1641

Re: Dow going to continue up?

Thanks for addressing some of the quotes to add a better perspective. This is helpful as not all of us have the experience or wisdom to know what is true or not. I enjoy learning and discussing things and not just being told to "stay the course" but instead to continually learn why. Thanks...
by coachz
Mon Jun 09, 2014 10:42 am
 
Forum: Investing - Theory, News & General
Topic: Dow going to continue up?
Replies: 22
Views: 1641

Re: Dow going to continue up?

cool, yeah i'm 62/38 atm and having fun and learning lots. last night i read about total return income which is more up my alley as we have no kids for inheritance. Thanks !
by coachz
Mon Jun 09, 2014 10:17 am
 
Forum: Investing - Theory, News & General
Topic: Dow going to continue up?
Replies: 22
Views: 1641

Dow going to continue up?

Do any of you think these comments from here are valid? http://finance.yahoo.com/blogs/talking-numbers/we-are-about-to-enter-the-greatest-bull-market-in-85-years-225051152.html It's inflation. Works the same whether more dollars are chasing the same number of widgets or the same amount of stock equi...
by coachz
Mon Jun 09, 2014 10:01 am
 
Forum: Investing - Theory, News & General
Topic: Dow going to continue up?
Replies: 22
Views: 1641

Re: In what ways does a retired person's portfolio differ?

That link doesn't appear to go to the article “Pupose Driven Sustainable Withdrawal Rate” I was trying to make an analogy. Most people when they talk about withdrawal rates, apply the withdrawal rates to their whole pile. Some use 4%, some use 3%. My suggestion is the equivalent to reducing the with...
by coachz
Sun Jun 08, 2014 1:26 pm
 
Forum: Investing - Theory, News & General
Topic: In what ways does a retired person's portfolio differ?
Replies: 88
Views: 8038

20x expenses question

Using the save 20x expenses needed for retirement model, if my wife and I are 57 and are looking at 35 years worth of retirement, with expenses of $50,000 a year that is $1mil, how can we include Social Security income into the 20x earnings in a meaningful way? If we take it at age 66, do we just ou...
by coachz
Sun Jun 08, 2014 10:11 am
 
Forum: Personal Finance (Not Investing)
Topic: 20x expenses question
Replies: 8
Views: 1551
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