Search found 485 matches

by coachz
Fri Aug 28, 2015 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: If stocks dropped 30% next Monday, would you rebalance?
Replies: 103
Views: 5901

Re: If stocks dropped 30% next Monday, would you rebalance?

Jim Cramer??? This a joke right? More than likely I'd be glued to the TV listening to the talking heads talk about how much more stocks might drop. As well as the majority of the population. It's a no win situation before the fact. I rebalance, and stocks fall another 30%. I don't rebalance, stocks ...
by coachz
Sun Aug 23, 2015 1:12 pm
Forum: Investing - Theory, News & General
Topic: Social Security calculation for retiring before 62
Replies: 3
Views: 427

Re: Social Security calculation for retiring before 62

Ok, thanks so much, I get it now, finally. Looks like a 10% hit for quitting early after using their online calculator. Thanks again.
by coachz
Sun Aug 23, 2015 12:11 pm
Forum: Investing - Theory, News & General
Topic: Social Security calculation for retiring before 62
Replies: 3
Views: 427

Social Security calculation for retiring before 62

If I already have 35 years of employment and quit work today at age 55, are the current values that the Social Security web site posts for ages 62, FRA 66 & 10mos and age 70 correct? From everything I read, there is no penalty and the values in the top 35 years are already indexed so the values ...
by coachz
Sat Aug 22, 2015 9:30 am
Forum: Personal Finance (Not Investing)
Topic: With Stock Market heading south
Replies: 95
Views: 11258

Re: With Stock Market heading south

This might help you see it more clearly. https://www.youtube.com/watch?v=oCCNNpmt8ds Can someone help me find the 530 point drop that happened yesterday? I may need some new glasses. https://upload.wikimedia.org/wikipedia/commons/thumb/4/4e/DJIA_historical_graph_(log)-2008-29-10.svg/800px-DJIA_histo...
by coachz
Sat Aug 22, 2015 5:24 am
Forum: Investing - Theory, News & General
Topic: dont forget to tax loss harvest
Replies: 28
Views: 3020

Re: dont forget to tax loss harvest

Seems buying a Large cap index fnd would be less similar and still get 99% correlation. Then buy back in 31 days. Also, Roth IRAs cannot tax liss harvest fyi. If I sold my Vanguard Total Stock Market Index and bought S & P 500 index, would that trigger a wash sale? Same thing with Vanguard Total...
by coachz
Sat Aug 22, 2015 5:18 am
Forum: Personal Finance (Not Investing)
Topic: With Stock Market heading south
Replies: 95
Views: 11258

Re: With Stock Market heading south

[OT comment removed by admin LadyGeek]
by coachz
Fri Aug 21, 2015 7:12 pm
Forum: Investing - Theory, News & General
Topic: dont forget to tax loss harvest
Replies: 28
Views: 3020

dont forget to tax loss harvest

Vanguard makes it easy to see your cost basis and from that you can see how substantial your losses are. There are many good threads out there and here are a couple i found interesting. http://www.bogleheads.org/forum/viewtopic.php?f=1&t=110759 http://www.bankrate.com/finance/taxes/capital-losse...
by coachz
Sun Aug 16, 2015 3:50 pm
Forum: Investing - Theory, News & General
Topic: The Risk Quandary
Replies: 29
Views: 2504

Re: The Risk Quandary

Here is an article describing the difference between risk and uncertainty. Many of us think it is the same thing but risks have known odds like rolling a dice but uncertainty doesn't.

http://www.realinvestingjournal.com/rep ... ncertainty
by coachz
Sun Aug 16, 2015 9:26 am
Forum: Investing - Theory, News & General
Topic: End of 30 yr. Bull run on bonds, what now
Replies: 51
Views: 3752

Re: End of 30 yr. Bull run on bonds, what now

Why are they great for rebalancing?

john94549 wrote:It's axiomatic. Bond funds these days are great for re-balancing, but little else. Personally, I stick with my CD ladder.
by coachz
Sat Aug 15, 2015 7:39 pm
Forum: Investing - Theory, News & General
Topic: End of 30 yr. Bull run on bonds, what now
Replies: 51
Views: 3752

Re: End of 30 yr. Bull run on bonds, what now

I tried again and got your result. I'm guessing the lesson is we can make money with bonds going up or down yes? Thanks for the schooling :beer If my math is correct, you get 0.878% doing (1.02^10 X 1.05^10 X 1.10^10 X 1.15^5)^(1/35) - 1 Which looks close to zero to me. Your calculator is broken. :w...
by coachz
Sat Aug 15, 2015 3:52 pm
Forum: Investing - Theory, News & General
Topic: End of 30 yr. Bull run on bonds, what now
Replies: 51
Views: 3752

Re: End of 30 yr. Bull run on bonds, what now

They seem to be nothing but wrong. :P
by coachz
Sat Aug 15, 2015 2:57 pm
Forum: Investing - Theory, News & General
Topic: End of 30 yr. Bull run on bonds, what now
Replies: 51
Views: 3752

Re: End of 30 yr. Bull run on bonds, what now

If my math is correct, you get 0.878% doing (1.02^10 X 1.05^10 X 1.10^10 X 1.15^5)^(1/35) - 1 Which looks close to zero to me. So if this is the end of a 30 yr. Bull run on bonds, how is the Total Bond Index Fund expected to fare for the next 10 or 20 yrs? As rates rise won't they necessarily drop o...
by coachz
Sat Aug 15, 2015 2:12 pm
Forum: Investing - Theory, News & General
Topic: End of 30 yr. Bull run on bonds, what now
Replies: 51
Views: 3752

Re: End of 30 yr. Bull run on bonds, what now

So if you future Bond returns are expected to be 0 percent real then why not just put the money into TIPs which are inflation protected and at least get a little bit? I just dont get the point of investing if you are not making money.
by coachz
Sat Aug 15, 2015 1:47 pm
Forum: Investing - Theory, News & General
Topic: End of 30 yr. Bull run on bonds, what now
Replies: 51
Views: 3752

Re: End of 30 yr. Bull run on bonds, what now

Thanks, is that real return after inflation?
by coachz
Sat Aug 15, 2015 1:40 pm
Forum: Investing - Theory, News & General
Topic: End of 30 yr. Bull run on bonds, what now
Replies: 51
Views: 3752

End of 30 yr. Bull run on bonds, what now

So if this is the end of a 30 yr. Bull run on bonds, how is the Total Bond Index Fund expected to fare for the next 10 or 20 yrs? As rates rise won't they necessarily drop or is it more nuanced ?
by coachz
Thu Aug 13, 2015 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Notify SS when not taking SS at FRA ?
Replies: 9
Views: 841

Re: Notify SS when not taking SS at FRA ?

thanks, this is interesting
http://www.ssa.gov/planners/retire/applying8.html#&sb=0

If you are not getting Social Security and you are not ready to retire, you should still use our online retirement benefit application to sign up for just Medicare three months before your 65th birthday.
by coachz
Thu Aug 13, 2015 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Notify SS when not taking SS at FRA ?
Replies: 9
Views: 841

Notify SS when not taking SS at FRA ?

Can anyone tell me if a person at Full Retirement Age needs to notify Social Security if they are going to delay taking benefits until later (possibly up to 70) ?
by coachz
Sun Jul 26, 2015 7:36 pm
Forum: Investing - Theory, News & General
Topic: estimate future real returns ?
Replies: 16
Views: 1327

Re: estimate future real returns ?

Thanks but i dont see where i pick the specific funds. Also 1% real return on 60/40 ? Really?
by coachz
Sun Jul 26, 2015 7:21 pm
Forum: Investing - Theory, News & General
Topic: estimate future real returns ?
Replies: 16
Views: 1327

estimate future real returns ?

Is there a way to estimate real returns for a 50/50 and 60/40 stock bond allocation using Total stock market index fund and Total bond market index fund for the next 10 years ?
by coachz
Wed Jul 22, 2015 7:20 am
Forum: Investing - Help with Personal Investments
Topic: Auto Bucket Portfolio
Replies: 15
Views: 1627

Re: Auto Bucket Portfolio

The wiki on withdrawals may help: https://www.bogleheads.org/wiki/Withdrawal_methods See the alternative method where 7.5 years of withdrawals are kept in fixed income. You could also have a two-bucket solution. Place 20% in bucket one, invested in fixed income (Total Bond Index, CDs, Treasuries an...
by coachz
Tue Jul 21, 2015 8:30 am
Forum: Investing - Help with Personal Investments
Topic: Auto Bucket Portfolio
Replies: 15
Views: 1627

Re: Auto Bucket Portfolio

Thanks for the replies. My goal is to find the simplest way for them to manage their retirement assets in a way that they can understand. These are people ripe for the annuity salesman pitch "you don't have to worry about a thing and you'll get a check every month". I don't want them to be...
by coachz
Mon Jul 20, 2015 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Auto Bucket Portfolio
Replies: 15
Views: 1627

Re: Auto Bucket Portfolio

bump please
by coachz
Mon Jul 20, 2015 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Auto Bucket Portfolio
Replies: 15
Views: 1627

Auto Bucket Portfolio

I have some coworkers in their late 60's about to retire and I was suggesting a Bucket Portfolio for them to look at. http://news.morningstar.com/articlenet/article.aspx?id=700173 I am wondering if there are any "income" funds that might be easier for them to use that would not require the...
by coachz
Wed Jun 17, 2015 1:59 pm
Forum: Personal Consumer Issues
Topic: Retirement areas, not Florida
Replies: 67
Views: 8297

Re: Retirement areas, not Florida

Charleston: (1) Interesting urban life (2) Great walkability factor (3) Next to a beach (4) Four-season climate that is seldom extreme (5) Good hospitals I am in Atlanta and am considering Charleston as one of the candidates for retirement locale. Atlanta with its urban concrete sprawl is terrible ...
by coachz
Tue Jun 09, 2015 1:29 pm
Forum: Investing - Theory, News & General
Topic: Junk Bond default rates
Replies: 13
Views: 1395

Re: Junk Bond default rates

great info here as always. Thanks ! :sharebeer
by coachz
Tue Jun 09, 2015 7:01 am
Forum: Investing - Theory, News & General
Topic: Junk Bond default rates
Replies: 13
Views: 1395

Junk Bond default rates

Does this 2.4% default rate mean the high yield (junk) bond investors lost all of their money?

http://www.pionline.com/article/2015012 ... 2014-at-24
by coachz
Mon Jun 08, 2015 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Healthcare before Medicare choices ?
Replies: 8
Views: 1314

Retiree Healthcare before Medicare choices ?

With reports saying double digit increases are coming for obamacare, what are alternative ways to get healtcare for retirees too young for medicare ?
by coachz
Wed Jun 03, 2015 6:46 am
Forum: Investing - Theory, News & General
Topic: News History
Replies: 0
Views: 269

News History

Is there a site that let's me scroll the news story history of a stock or fund ? Like in April 2012 what the news was on a stock ?
by coachz
Tue Jun 02, 2015 12:29 pm
Forum: Personal Consumer Issues
Topic: No-line bifocals [progressives] from Costco
Replies: 29
Views: 3558

Re: No-line bifocals from Costco

I bought glasses that were too heavy from costco, gave me headaches. I went back to costco 2 weeks later and told them. They got me new glasses with different lenses. NO CHARGE. I'm buying all my glasses there.
by coachz
Sat May 30, 2015 9:07 am
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4419

Re: What am I doing wrong ?

I didn't see how to attach a spreadsheet so here's a screenshot of the budget forecast before and after Medicare. http://i.imgur.com/wumHJWI.jpg That's a really nice spreadsheet itemizing planned expenses, with the three low/medium/high spending options. Although your pets may differ in their opini...
by coachz
Fri May 29, 2015 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4419

Re: What am I doing wrong ?

I actually made 3 budgets I call Silver, Gold & Platinum. Silver is raw, not even comcast, Gold is what we live now which is this $55,000, and Platinum allows $10k /yr for vacations. This way we can see how long we are willing to work for how much better lifestyle after. Don't know about the re...
by coachz
Fri May 29, 2015 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4419

Re: What am I doing wrong ?

Thanks for the great info. How did you get to $350k using 3% please ? I assumed you will need about $10'000/year from your savings once you and your wife get SS. I took a conservative "safe" withdrawal rate of 3%, (that should last you and your wife at least 30 years). So to cover your re...
by coachz
Fri May 29, 2015 10:18 am
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4419

Re: What am I doing wrong ?

I didn't see how to attach a spreadsheet so here's a screenshot of the budget forecast before and after Medicare. http://i.imgur.com/wumHJWI.jpg That's a really nice spreadsheet itemizing planned expenses, with the three low/medium/high spending options. Although your pets may differ in their opini...
by coachz
Fri May 29, 2015 10:06 am
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4419

Re: What am I doing wrong ?

So it seems to preserve capital with inflation TIPS are what is recommended. What is the next higher thing on the risk scale that will pay more ? CDs ? But they aren't inflation adjusted right ? It seems to me the money should still have some ability to earn a bit more than 0 plus inflation.
by coachz
Fri May 29, 2015 9:02 am
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4419

Re: What am I doing wrong ?

Why would anyone put their money in something that is expected to return 0% over the next 10 years ? Seems crazy to me but there must be a reason.
by coachz
Fri May 29, 2015 7:13 am
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4419

Re: What am I doing wrong ?

I am not a retirement expert by any stretch, but if I understand your question right, you plan to live off your savings (currently 850k) for 11 years, drawing 55k/year, and then take SS and make up the difference (about 9.6k) with the rest of your portfolio during the remaining retirement. Without ...
by coachz
Fri May 29, 2015 6:51 am
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4419

Re: What am I doing wrong ?

I am not a retirement expert by any stretch, but if I understand your question right, you plan to live off your savings (currently 850k) for 11 years, drawing 55k/year, and then take SS and make up the difference (about 9.6k) with the rest of your portfolio during the remaining retirement. Without ...
by coachz
Fri May 29, 2015 5:53 am
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4419

Re: What am I doing wrong ?

We are both burned out at our jobs and need a break and then some low stress part time work. I think that burn out is a huge problem for many, and doing something about it like taking a break and take time to regroup in your situation sounds like a good plan and you certainly have some financial fr...
by coachz
Fri May 29, 2015 5:52 am
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4419

Re: What am I doing wrong ?

sorry for my confusion. The house is paid for with no mortgage and is valued on zillow at $600k, I picked $500k for it's value to be conservative. And our next house will be < $400k so I was seeing over $100k windfall down the road from this. Regarding Healthcare.gov subsidies, I'm not sure about th...
by coachz
Thu May 28, 2015 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4419

Re: What am I doing wrong ?

Thanks for the very detailed information. We are both going to bring in more money down the road but just a faction ot what we make now. We are both burned out at our jobs and need a break and then some low stress part time work. The house will also clear another $100k minimum when we downsize and s...
by coachz
Thu May 28, 2015 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4419

Re: What am I doing wrong ?

Currently 60% in stocks and my wife is 58 years old. Since this calculator is based on historical returns I assume corrections are covered.
by coachz
Thu May 28, 2015 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4419

Re: What am I doing wrong ?

I am not a retirement expert by any stretch, but if I understand your question right, you plan to live off your savings (currently 850k) for 11 years, drawing 55k/year, and then take SS and make up the difference (about 9.6k) with the rest of your portfolio during the remaining retirement. Without ...
by coachz
Thu May 28, 2015 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4419

Re: What am I doing wrong ?

I didn't see how to attach a spreadsheet so here's a screenshot of the budget forecast before and after Medicare.
http://i.imgur.com/wumHJWI.jpg
by coachz
Thu May 28, 2015 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4419

Re: What am I doing wrong ?

So, what do you think ? Do we have to go to work tomorrow or can we call it quits ? :shock:
by coachz
Thu May 28, 2015 10:27 am
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4419

Re: What am I doing wrong ?

I'm 55 and my wife is 58 though so if you look at the simulation it takes that into account spending my portfolio until my wife and I take SS at 66. Funds run too low to wait till 70 though we will likely do other things in retirement to make a small amount of money.
by coachz
Thu May 28, 2015 9:06 am
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4419

Re: What am I doing wrong ?

History may not repeat. I switched from an historical simulation to monte carlo. The success rate drops to almost 86%. Still looks like you are in good shape, especially if you are flexible in your spending. Also, does your $55k a year include any large expenditures like a new car or new roof every...
by coachz
Thu May 28, 2015 9:04 am
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4419

Re: What am I doing wrong ?

The portfolio is $850k plus social security as listed in the link and the expenses are $55,000 per year including paying any taxes. What additional detail is needed ? I have a written budget and it covers all of my needs. Is there anything obviously wrong with this calculator assuming my budget is c...
by coachz
Thu May 28, 2015 8:44 am
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4419

What am I doing wrong ?

CFireSim.com says I'm 99% solid. What am I missing please ? I"m taking taxes into account in the budget. Thank you for any insights.

http://www.cfiresim.com/input.php?id=53871
Please click Run Simulation
by coachz
Thu May 14, 2015 6:04 am
Forum: Personal Consumer Issues
Topic: Free if you sign up (Home Depot card)
Replies: 18
Views: 2784

Re: Free if you sign up (Home Depot card)

where can I find these >$300 offers ?

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