Search found 280 matches

Return to advanced search

Re: Looking for Good Free Win 7 File Manager

tree size and explorer++
by coachz
Fri Mar 28, 2014 9:06 pm
 
Forum: Personal Consumer Issues
Topic: Looking for Good Free Win 7 File Manager
Replies: 7
Views: 646

Re: Converting to Safety Razors

Get a used Gillette Black Beauty adjustable off ebay for $40 and enjoy. Set it at 6 to start. Feather Blades rock but Derbys are a great value.
by coachz
Tue Nov 19, 2013 9:12 pm
 
Forum: Personal Consumer Issues
Topic: Converting to Safety Razors
Replies: 50
Views: 3783

Re: Can We retire now ?

Makes a lot of sense. What do you mean please by drivers and risk factors on expenses? anyone else willing to take the time to review my portfolio and offer advice please. I spent hours organizing all of the information as the channel guidelines suggested in hopes of having some thorough well though...
by coachz
Tue Oct 29, 2013 6:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can We retire now ?
Replies: 24
Views: 4208

Re: Can We retire now ?

Thanks for taking the time to help out. What is the fixed percentage showing please? anyone else willing to take the time to review my portfolio and offer advice please. I spent hours organizing all of the information as the channel guidelines suggested in hopes of having some thorough well thought ...
by coachz
Tue Oct 29, 2013 5:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can We retire now ?
Replies: 24
Views: 4208

Re: Can We retire now ?

I thought any money earned in retirement would be the first source of income after social security so I would not imagine putting it in a ROTH IRA but instead spendng it first. Is that wrong ? Coachz, Aside from the inclusion of income tax to the expense list the only other item you should consider ...
by coachz
Tue Oct 29, 2013 5:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can We retire now ?
Replies: 24
Views: 4208

Re: Can We retire now ?

anyone else willing to take the time to review my portfolio and offer advice please. I spent hours organizing all of the information as the channel guidelines suggested in hopes of having some thorough well thought out responses. I appreciate any time you can spare as this is a very very big decisio...
by coachz
Mon Oct 28, 2013 8:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can We retire now ?
Replies: 24
Views: 4208

Re: Can We retire now ?

Can I get some more feedback please.... A lot more please !!!
by coachz
Mon Oct 28, 2013 2:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can We retire now ?
Replies: 24
Views: 4208

Re: Can We retire now ?

The $15k should be no problem. We plan to earn $15,000 per year in retirement for the next 5 years doing jobs that are more enjoyable and would like to retire now if possible. Please take the social security amounts on the spreadsheet into account also. Am I missing some other important question ? H...
by coachz
Sun Oct 27, 2013 6:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can We retire now ?
Replies: 24
Views: 4208

Re: Can We retire now ?

Are the SS dates calculated as the ideal dates to file? I ran your numbers thru ESPlanner Plus and looks like you are pretty good to go now if you choose. Here are my assumptions: Life Expectancy: 90 years for each Taxable Accts: 260,000 Tax Deferred: 355,000 SS: 15,792/year starting 2021 SS: 16,248...
by coachz
Sun Oct 27, 2013 6:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can We retire now ?
Replies: 24
Views: 4208

Re: Can We retire now ?

But how do you account for social security in that calculation ?

mpt follower wrote:Too much data, too many questions. Just take your needed income out of savings and see if it exceeds about 3%. If it does, and you cannot reduce it, you probably cannot retire at your assumed cost of living.
by coachz
Sun Oct 27, 2013 5:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can We retire now ?
Replies: 24
Views: 4208

Re: Can We retire now ?

Thanks so much for running me through ESPlanner. Did you buy the basic, plus or pro ? Do you like it ? What do you think about my AA in retirement for the current environment ? Thanks again !! I ran your numbers thru ESPlanner Plus and looks like you are pretty good to go now if you choose. Here are...
by coachz
Sun Oct 27, 2013 5:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can We retire now ?
Replies: 24
Views: 4208

Re: Can We retire now ?

I think I did that in the Budget spreadsheet as those are actual expenses for 2012. Am I correct ? You might also do a net cash flow analysis, starting with your $170K gross income, subtracting income taxes and longterm investments/savings. This tends to show how much you ACTUALLY burn through in a ...
by coachz
Sun Oct 27, 2013 5:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can We retire now ?
Replies: 24
Views: 4208

Re: Can We retire now ?

That is per person so a total of $30k. We plan to earn $15,000 per year in retirement for the next 5 years doing jobs that are more enjoyable and would like to retire now if possible. Please take the social security amounts on the spreadsheet into account also. $15K/person = $30K/year total, or $15K...
by coachz
Sun Oct 27, 2013 5:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can We retire now ?
Replies: 24
Views: 4208

Can We retire now ?

I am trying to figure out when we can retire and also if our AA is ok. I have tried to include all of the information that the Bogleheads group recommends. We plan to earn $15,000 per year in retirement for the next 5 years doing jobs that are more enjoyable and would like to retire now if possible....
by coachz
Sun Oct 27, 2013 3:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can We retire now ?
Replies: 24
Views: 4208

Re: Bogleheads Conference The Greatest

Sweet. Are you ready to setup my retirement portfolio for the next 40 years ?
by coachz
Fri Oct 18, 2013 2:13 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads Conference The Greatest
Replies: 26
Views: 3656

Re: Any last minute ideas on Florida?

I'm talking Ft. Lauderdale area up to Melbourne. It's just HOT there. I have a lot fuzzy but I remember those 20 plus years of hotness like it was yesterday. :-) Today Ft. Lauderdale has a high of 85. Must be a cold front. :-)
by coachz
Tue Oct 15, 2013 1:56 pm
 
Forum: Personal Consumer Issues
Topic: Any last minute ideas on Florida?
Replies: 27
Views: 2294

Re: Social Security benefits estimate question

I don't know that answer but if you are married, make sure to look up "File and Suspend" "Spousal Benefits" as you can get more $$ through this oddity.
by coachz
Tue Oct 15, 2013 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security benefits estimate question
Replies: 8
Views: 647

Re: Any last minute ideas on Florida?

Florida is crazy HOT 6 months out of the year. Over 90. Then there are 3 months that are over 80 and 2 that are cold, highs in the 40s and 50s and 1 that is just right, highs in 60s and 70s. Enjoy. Christmas is likely upper 70s, low 80s. It's too hot for me most of the year in Florida. I'm in Charle...
by coachz
Tue Oct 15, 2013 12:14 pm
 
Forum: Personal Consumer Issues
Topic: Any last minute ideas on Florida?
Replies: 27
Views: 2294

Re: 2013 Nobel in Economics awarded to Fama, Hansen, and Shi

Yeah what is it? I bet it's a bunch of formulas that only the rich can understand. :shock:

well what is their forecast for the next 3 to 5 years?
If they are predicting higher market may be we should move 100% to stocks, otherwise 100% to bonds. :dollar :confused :D
by coachz
Tue Oct 15, 2013 7:33 am
 
Forum: Investing - Theory, News & General
Topic: 2013 Nobel in Economics awarded to Fama, Hansen, and Shiller
Replies: 53
Views: 4691

Re: My New Car Buying Tips

At some point many dealers will insist that you come in if you want the best price. At least they do that in my area.
by coachz
Mon Oct 14, 2013 2:07 pm
 
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 65
Views: 8237

Re: My New Car Buying Tips

Typically this will work up to Dealer #2 at which point they will say, "If we beat the price by $300 are you ready to buy the car now?". They will LITERALLY make you sign an offer document that you are ready to buy. The Dealers are not stupid and will match prices only so far up to the poi...
by coachz
Mon Oct 14, 2013 7:57 am
 
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 65
Views: 8237

Re: Michael Edesess on Delaying Social Security

Isn't there also the real risk that if you wait to take SS, that benefits could be cut where if you take it at 62 you lock in the amount or can they still reduce that too ?
by coachz
Fri Oct 04, 2013 9:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Michael Edesess on Delaying Social Security
Replies: 36
Views: 2315

Re: Affordable Care Act: Website Down

It's the first day. As with any website you can expect a ton of traffic for the first couple of weeks. Try late at night or early in the morning. After a few weeks there won't be the same load as today. It's normal for this kind of traffic.
by coachz
Tue Oct 01, 2013 9:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Affordable Care Act: Website Down
Replies: 62
Views: 4086

Re: Help me stop obsessing

Where do i get quotes on the inflation adjusted annuities that pay the below amounts please ? What inflation index do they follow? Thanks !! Another useful planning tool is to ask the question "What can I get if I buy an insurance product called a 'inflation indexed SPIA?'" SPIA means Sing...
by coachz
Mon Sep 30, 2013 10:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Help me stop obsessing
Replies: 23
Views: 3533

Re: Reverse Mortgage vs ROTH withdrawal?

Are you about to eat cat food ? Then rethink the Reverse Mortgage..... please read.

viewtopic.php?f=1&t=120888
by coachz
Thu Sep 26, 2013 12:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgage vs ROTH withdrawal?
Replies: 3
Views: 438

Re: "Rising Equity Glide Path" ?

"double down" ? This sure sounds a lot like speculating and gambling and not investing, especially when you talk about high equity AAs.
by coachz
Thu Sep 26, 2013 7:39 am
 
Forum: Investing - Theory, News & General
Topic: "Rising Equity Glide Path" ?
Replies: 30
Views: 2891

Re: Withdrawing from Roth

keeping track ? I thought that's what Vanguard did ?
by coachz
Wed Sep 25, 2013 12:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Withdrawing from Roth
Replies: 3
Views: 385

Withdrawing from Roth

My understanding is that I can withdraw the principal from my Roth anytime I want (even under 59 1/2) years of age without penalty. I have no intention of doing it but want to understand it. I'm reading there is a specific order to withdraw. From non-taxable annual contributions to a Roth IRA (other...
by coachz
Wed Sep 25, 2013 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Withdrawing from Roth
Replies: 3
Views: 385

Re: career in music?

I run a fully functioning recording studio and have full bands here recording all the time. The quote above resonates with me...... if you can possibly imagine yourself doing anything other than music, do that instead I'm a computer programmer by day and thank god. I would have been broke in music. ...
by coachz
Wed Sep 25, 2013 7:38 am
 
Forum: Personal Consumer Issues
Topic: career in music?
Replies: 45
Views: 2547

Re: Deferred Immediate Annuities

Will live long enough for the bush ?
by coachz
Tue Sep 24, 2013 3:02 pm
 
Forum: Investing - Theory, News & General
Topic: Deferred Immediate Annuities
Replies: 23
Views: 1765

Re: Safe Withdrawal Rates ? Complexity vs. Simplicity

Thanks for trying Taylor !
John
by coachz
Tue Sep 24, 2013 2:52 pm
 
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rates ? Complexity vs. Simplicity
Replies: 97
Views: 18346

Re: Vanguard retirement article.

Any idea what brochure this was as the link doesn't seem to work anymore ? Thanks ! :sharebeer Taylor & Others, Have you seen this brochure by Vanguard? It seems pretty straight forward, and they mention a flexible 4% withdrawal rate that is based on the year-to-year portfolio balance. See the l...
by coachz
Tue Sep 24, 2013 2:13 pm
 
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rates ? Complexity vs. Simplicity
Replies: 97
Views: 18346

Re:

This seems like really brilliant advice. :oops: Bless you, Taylor. In reality, we spend our preretirement lives dealing with fluctuating incomes and fluctuating expenses, and we adapt our lifestyle to our income. At age 30, we don't sit down with some Monte Carlo simulator and say "based on the...
by coachz
Tue Sep 24, 2013 1:32 pm
 
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rates ? Complexity vs. Simplicity
Replies: 97
Views: 18346

Re: Wellington fund history

Thanks for the info. I see a number of articles on "sequence of returns" risks but not many that say how to compensate for it and to what degree. Save 20% more than you need for a 4% SWR or what ?
by coachz
Tue Sep 24, 2013 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Wellington fund history
Replies: 29
Views: 2344

Re: Wellington fund history

that's what I'm starting to see.
by coachz
Tue Sep 24, 2013 9:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Wellington fund history
Replies: 29
Views: 2344

Re: Wellington fund history

The "safe floor" seems to be a great system for the rich but for me it does not provide enough return and requires me to take on more risk. I think it's great information but I do not see me getting this 'safe floor' anytime soon especially with the very poor interest rates available.
by coachz
Tue Sep 24, 2013 8:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Wellington fund history
Replies: 29
Views: 2344

Re: Wellington fund history

For a simple example, let's assume I need $30,000 per year to live on and have $900,000. I put all $900,000 in the Wellington fund that has returns averaging 8%. The $30,000 is 3.33% of the $900,000 so at 8% there is enough for taxes and inflation. The unknown seems to be two things. Will it keep go...
by coachz
Tue Sep 24, 2013 7:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Wellington fund history
Replies: 29
Views: 2344

Re: Wellington fund history

great information. So how do you know when you actually have enough money to retire with some strong statistical certainty taking into account the bad sequences ?
by coachz
Mon Sep 23, 2013 7:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wellington fund history
Replies: 29
Views: 2344

Re: Wellington fund history

So how do you know when you actually have enough money to retire with some strong statistical certainty taking into account the bad sequences ? Have any of the gurus here written a paper that describes how to know when enough is enough ? :moneybag :moneybag :moneybag :moneybag
by coachz
Mon Sep 23, 2013 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wellington fund history
Replies: 29
Views: 2344

Re: Young Guys Making Good Money

i got more money 3% cola at a time and no vacations. Oh the Joy. What's a bonus, I've never had one. :beer
by coachz
Mon Sep 23, 2013 1:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Young Guys [and Gals] Making Good Money
Replies: 241
Views: 22481

Re: $350 HDMI Laptop Acer Aspire V5-131-2629.

i just sold an acer 5515 for $90. 15" screen. I really can't use screens smaller than that. Even my 10.4" ipad is not ideal for me. If it's just to hook to a tv though you may not care.

6.5 hr battery life in Acer speaks means 3 hours.
by coachz
Mon Sep 23, 2013 12:39 pm
 
Forum: Personal Consumer Issues
Topic: $350 HDMI Laptop Acer Aspire V5-131-2629.
Replies: 9
Views: 961

Re: Wellington fund history

Yeah I saw those. Pretty bad for sure. So how do you know when you actually have enough money to retire with some strong statistical certainty taking into account the bad sequences ?
by coachz
Mon Sep 23, 2013 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Wellington fund history
Replies: 29
Views: 2344

Re: Wellington fund history

And if I can't count on 8%, what strategies will allow me to reconcile the sequence of returns problem other than playing with calculators until they says 100% success ?
by coachz
Mon Sep 23, 2013 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Wellington fund history
Replies: 29
Views: 2344

Re: Guaranteed Retirement Income

and most SPIAs are not inflation indexed and can have high surrender fees when you need the money for the heart surgery you didn't plan on.
by coachz
Mon Sep 23, 2013 10:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Guaranteed Retirement Income
Replies: 16
Views: 1942

Re: Wellington fund history

So what is the most the Wellington fund was down in a given year ? Is there tabular data at Morningstar or somewhere that shows me returns year by year ? The Vanguard site only appears to go back to 1998 for tabular data.
by coachz
Mon Sep 23, 2013 10:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Wellington fund history
Replies: 29
Views: 2344

Re: Wellington fund history

Image
by coachz
Mon Sep 23, 2013 10:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Wellington fund history
Replies: 29
Views: 2344

Re: Wellington fund history

I don't understand nisiprius. If the fund gives 8% return on average and I am just going to drawdown on it in retirement with the goal to us up all the money by age 95 then shouldn't I get that 8% for the next 41 years ? I'm 54.

Back to lifting my baby calf......
by coachz
Mon Sep 23, 2013 10:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Wellington fund history
Replies: 29
Views: 2344

Re: Wellington fund history

looks like a slam dunk to me ? Am I missing something ?
by coachz
Mon Sep 23, 2013 10:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Wellington fund history
Replies: 29
Views: 2344

Wellington fund history

I'm reading that the Wellington fund has been around since 1928. Is there a way to see what the year to year returns have been from then to now ?

http://en.wikipedia.org/wiki/Wellington_Fund
https://personal.vanguard.com/us/funds/ ... =INT#tab=0
by coachz
Mon Sep 23, 2013 8:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Wellington fund history
Replies: 29
Views: 2344
Next

Return to advanced search