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Isbitts Article

http://www.marketwatch.com/story/index-funds-beat-active-90-of-the-time-really-2014-08-01?page=2 Did a search and didn't see any discussion of this article. Seems like this person set out to disprove the notion that index funds consistently outperform actively managed funds. And considered himself s...
by mars
Wed Dec 10, 2014 12:42 pm
 
Forum: Investing - Theory, News & General
Topic: Isbitts Article
Replies: 0
Views: 150

Re: Traditional 401k vs Roth 401k / Traditional IRA vs Roth

The traditional versus roth 401k question is a guess based on your future income at the time that you will be pulling the money out of the retirement account. Because I assume I will be retired when I'm pulling this money out (and thus not working), I've concluded I'm llikely to be in a lower tax br...
by mars
Sun Nov 09, 2014 3:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Traditional 401k vs Roth 401k / Traditional IRA vs Roth IRA
Replies: 14
Views: 1999

Re: Please Help:Divorced Spouse Taking Social Security at Ag

After calling the office, I was told that the benefit for the ex spouse was $1600 where as my mom's is $1300. So because half of the ex spouses's benefit is only 800, she won't be taking the spousal benefit now at age 62 (she wants to retire now at 62). I then tried to ask about the scenario where s...
by mars
Mon Sep 08, 2014 2:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please Help:Divorced Spouse Taking Social Security at Age 62
Replies: 6
Views: 1329

Please Help:Divorced Spouse Taking Social Security at Age 62

I've scoured the many social security threads on this site and done some reading on the SSA website but can't seem to figure out how best to advise my mother about filing for social security benefits. Please pardon my ignorance. Here are the facts: Wife and Husband are divorced. Wife is approaching ...
by mars
Thu Aug 28, 2014 12:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Please Help:Divorced Spouse Taking Social Security at Age 62
Replies: 6
Views: 1329

Re: Paying mortgage down or invest instead?

If the time horizon for this money is long range, then an investment in the total stock market index would very likely significantly beat the return from prepaying your mortgage as calculated above. I would recommend investing the money given your very good interest rate.
by mars
Tue Aug 26, 2014 11:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying mortgage down or invest instead?
Replies: 8
Views: 1006

Re: Your opinion of mint.com

Here's a compromise: only input credit card account into mint. The primary benefit of the site is to track spending, so credit cards are all you need. Mint does a lousy job tracking investments. And for Bogleheads who invest in index funds for the long term, constant updates on the status of one's ...
by mars
Wed Aug 06, 2014 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your opinion of mint.com
Replies: 38
Views: 3375

Re: Tell Me I'm Stupid To Consider Quitting My Job and Movin

BTW, this whole thread has made me realize I need to get an overseas assignment, I can't even understand how a 250kish salary turns into the ability to save 6k in after tax accounts each week while maxing out retirement, that seems like a very significant premium and I can understand why the return ...
by mars
Mon Apr 28, 2014 5:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tell Me I'm Stupid To Consider Quitting My Job and Moving
Replies: 123
Views: 28610

Re: Tell Me I'm Stupid To Consider Quitting My Job and Movin

First off, congrats on saving the amount you've saved. Its easy to succumb to lifestyle inflation and you haven't. I appreciate that you're being conservative but if I were sitting in a similar position I'd feel comfortable that I could make it work (doesn't mean that it's necessarily time to let go...
by mars
Mon Apr 28, 2014 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tell Me I'm Stupid To Consider Quitting My Job and Moving
Replies: 123
Views: 28610

Re: Tell Me I'm Stupid To Consider Quitting My Job and Movin

Am I missing something? Plugging in 1.9 mil on FireCal with a 50k withdrawal has a 100 percent success rate for 50 years. If the OP can live off of 50k or less per year (which his expense summary seems to support, even when you consider he has excluded housing in some figures), why not declare victo...
by mars
Mon Apr 28, 2014 2:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tell Me I'm Stupid To Consider Quitting My Job and Moving
Replies: 123
Views: 28610

Re: Student Loan Repayment: Autopay vs. Bi-weekly Payments

Why not enroll in autopay to get the discount and also make a small bi-monthly payment to get you the same accelerated pay down schedule as a bi-monthly payment would accomplish? If my math is correct, the amount of those bi-monthly payments should be 1/24 of your regular payment meaning that at the...
by mars
Mon Sep 09, 2013 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment: Autopay vs. Bi-weekly Payments
Replies: 10
Views: 1114

Re: How to Optimize Wireless Internet Signal at House

I just looked into some options for getting my wireless signal to a small out building in my backyard and read a good deal about extenders, etc. The solution I ended up going with after chatting with the staff at Frys is a powerline adaptor from Netgear and I'm glad I did. Very simple to install (up...
by mars
Mon Aug 19, 2013 5:49 pm
 
Forum: Personal Consumer Issues
Topic: How to Optimize Wireless Internet Signal at House
Replies: 14
Views: 2359

Re: Does your spouse know what you're worth?

Actually asked my spouse (unlike some of you non direction followers ;)). I was pleased to find that she was just over 30% off on the low-side. Doesn't make me feel good that she doesn't know the number, just that we're doing better than expected and I'm not talking about money too much. She lets me...
by mars
Thu Aug 15, 2013 1:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does your spouse know what you're worth?
Replies: 88
Views: 8795

Re: Extreme Early Retirement

1.7 million to me sounds like a very doable number. Given the OPs age and obvious resourcefulness (accumulating that amount in the first place). I would go for it. I believe additional income will inevitably come as the OP and spouse find hobbies, endeavors, and other interests that draw them in.
by mars
Wed Aug 07, 2013 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Extreme Early Retirement
Replies: 104
Views: 12691

Re: A Couple Becoming a Family: Please Let Us Know Your Thou

Congratulations on saving a strong amount at your age. My wife and I are similar age. My sense is that you guys can be a little more aggressive in your asset allocation, that is, more in stocks. The size of your bond holding and the relatively short life cycle of your target retirement plan may skew...
by mars
Wed Jul 24, 2013 7:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: A Couple Becoming a Family: Please Let Us Know Your Thoughts
Replies: 30
Views: 2316

Re: How and when did you do it - to get to 1 Million

LFKB, I have to ask what you and your wife do to be able to achieve that goal so quickly? My guess is biglaw?
by mars
Fri Jul 19, 2013 6:00 pm
 
Forum: Investing - Theory, News & General
Topic: How and when did you do it - to get to 1 Million
Replies: 65
Views: 9667

Re: What are you seeing in your Local Housing Market?

I live in Austin, TX and my wife and I closed on our first home last month. It is a very very hot market in Austin. Homes in popular areas 15-20 minutes from downtown typically had 10-20 showings on their first day on the market and multiple offers. Very rough properties in the popular "SoCo&qu...
by mars
Wed Jul 03, 2013 11:20 am
 
Forum: Personal Consumer Issues
Topic: What are you seeing in your Local Housing Market?
Replies: 82
Views: 6049

Re: Your best financial move

best financial moves realizing the power of compound interest early in my working life not allowing pay increases to lead to spending increases but instead diverting all new gains to investments finding vanguard and saving aggressively starting to save aggressively during a market downturn staying t...
by mars
Thu May 02, 2013 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Your best financial move
Replies: 98
Views: 8033

Preparing to Sell Investments to Fund Downpayment

My wife and I preparing to buy our first home. We have saved consistently and benefited from the run up in the market over the last 4 years. So we have plenty to tap for the down payment. My only concern is the capital gains that will be triggered by the sale of assets to fund the down payment. I've...
by mars
Wed Apr 03, 2013 2:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Preparing to Sell Investments to Fund Downpayment
Replies: 5
Views: 637

Re: Nobody Can Time the Stock Market, Vol. 220

My take away here is that even the most respected stock pickers get it wrong 50% of the time. Why pay anyone to pick stocks. They've got to do much better than average to pay for themselves. I know, I'm probably preaching to the choir.
by mars
Fri Dec 28, 2012 7:17 pm
 
Forum: Investing - Theory, News & General
Topic: Nobody Can Time the Stock Market, Vol. 220
Replies: 3
Views: 678

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