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Re: What's your number?

Yes, but if you are 30 now, how do you know what your yearly budget will be in 25 years? Which is why this exercise is really quite (almost) futile. There are many variables at play here. If one really wants to try to figure out their number 30 years in advance of retiring (and perhaps 60 years bef...
by red5
Wed Apr 23, 2014 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's your number?
Replies: 61
Views: 3411

Re: What's your number?

I like to have a fuzzy idea of how much money I would need to have in order to retire today. However, I am more than three decades away from a typical retirement age (put another way, there is a possibility of 60+ years of life left in me), thus this exercise is fraught with many unknown variables. ...
by red5
Wed Apr 23, 2014 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: What's your number?
Replies: 61
Views: 3411

Re: Round The World!

Leeraar wrote: Did you fly east or west?


This valuable lesson was learned in Around the World in Eighty Days.
by red5
Tue Apr 22, 2014 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Round The World!
Replies: 26
Views: 1554

Re: Does RSP performance offset it's expense ratio?

In my eyes RSP is nothing more than a mid-cap tilted fund that just so happens to have the same 500 companies as the S&P 500 index. With this fund though you are limited to the relatively few mid-cap companies that are within the SP 500 to obtain the tilt. -I would expect RSP to outperform VOO a...
by red5
Mon Apr 21, 2014 10:19 am
 
Forum: Investing - Theory, News & General
Topic: Does RSP performance offset it's expense ratio?
Replies: 12
Views: 701

Re: How much is rich?

Feeling rich is a state of mind, usually found by comparing oneself to others. If you hang out with Fortune 400 C class execs, you're not going to feel rich with 1.5 million. With that in mind, Agree with this. Putting a $$ amount on being rich is inevitably going to lead to some vast differences o...
by red5
Sun Apr 13, 2014 9:21 am
 
Forum: Personal Finance (Not Investing)
Topic: How much is rich?
Replies: 47
Views: 2466

Re: How much is rich?

Enough to be comfortably happy.
by red5
Sun Apr 13, 2014 8:22 am
 
Forum: Personal Finance (Not Investing)
Topic: How much is rich?
Replies: 47
Views: 2466

Re: Reel Lawn Mowers

If you have a weedy lawn than a reel may not be for you. Grass gets cut, dandelions do not, and it can look rather silly.
by red5
Wed Apr 09, 2014 7:24 am
 
Forum: Personal Consumer Issues
Topic: Reel Lawn Mowers
Replies: 19
Views: 974

Re: VSS March Dividend

by red5
Tue Apr 01, 2014 12:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: VSS March Dividend
Replies: 4
Views: 465

Re: TSP Monthly, Quarterly, and Annual Returns - March, 2014

(6) I've developed a neat 5th-order regression model of the Net Asset Values of the G-Fund with an astounding R² of .9998. It definitely shows the asymptotic "creep" and pitiful returns associated with the fund. The chart I developed also shows how much better (though less stable) the F-F...
by red5
Tue Apr 01, 2014 9:18 am
 
Forum: Investing - Theory, News & General
Topic: TSP Monthly, Quarterly, and Annual Returns - March, 2014
Replies: 2
Views: 264

Re: Happy fifth birthday! [since the 2008-2009 market crash]

15%......active investing up to 2012, been indexing since 2012.
by red5
Mon Mar 10, 2014 10:09 am
 
Forum: Investing - Theory, News & General
Topic: Happy fifth birthday! [since the 2008-2009 market crash]
Replies: 54
Views: 3353

Re: Feedback on my Investment Policy, Plan, and Allocations

Target Allocations (tracked by spreadsheet for rebalancing): • 70% Stocks/REIT, 30% Bonds • For Stocks: o Core/Large Cap Accounts (All-Market, S&P500): 55% o Large Value: 5% o Small Blend: 10% o Small Value: 5% o International: 15% o REIT: 10% I'll leave the analysis to the more seasoned poster...
by red5
Sat Mar 08, 2014 6:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Feedback on my Investment Policy, Plan, and Allocations
Replies: 13
Views: 937

Re: Why do investors prefer cash dividends?

I personally thought this was a great article and it really made sense to me. It seems the argument for dividends is largely behavioral (?) I attempted a very quick, very simple, and dirty Excel simulation comparing returns after 100 years and with quarterly dividends and there was no difference in ...
by red5
Tue Mar 04, 2014 10:51 am
 
Forum: Investing - Theory, News & General
Topic: Why do investors prefer cash dividends?
Replies: 126
Views: 5568

Re: Good Russian ETF

by red5
Mon Mar 03, 2014 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Good Russian ETF
Replies: 15
Views: 1320

Re: Converting amps to KwH

I believe kilowatts = (volts*amps)/1000

Then
Kilowatt hours = kilowatts * # hours used

Finally, to calculate the cost
Cost = kilowatt hours * electricity rate
by red5
Sat Mar 01, 2014 8:00 am
 
Forum: Personal Consumer Issues
Topic: Converting amps to KwH
Replies: 18
Views: 613

Re: VWO vs VEMAX

The growth charts over at Morningstar show virtually the same returns for all of vemax, veiex and vwo. Edit: Perhaps the Morningstar chart shows the NAV of VWO and not the market price when using VEMAX as the initial fund? When I created a chart using VWO (instead of VEMAX initially) it shows the ma...
by red5
Thu Feb 27, 2014 1:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: VWO vs VEMAX
Replies: 33
Views: 1100

Re: Travel to Greece

I have visited many places around Europe and Athens was my least favorite. And that is not even because someone reached into my back pocket in an attempt to take my wallet since that can happen anywhere (luckily I kept it in front pocket). For me, one day in Athens would be enough. But that is just ...
by red5
Sat Feb 15, 2014 2:06 pm
 
Forum: Personal Consumer Issues
Topic: Travel to Greece
Replies: 22
Views: 1063

Re: Poll--especially for newbies--financial calc skills?

Yes, exactly! I answered 0.95% to start with (using something akin to your 2nd formula), and then pondered how the heck could anybody come up with 0.91%. Then thought that maybe fees are charged at the beginning of the year. And I used something akin to your 3rd formula, and did find 0.91%. And the...
by red5
Mon Feb 03, 2014 4:13 pm
 
Forum: Investing - Theory, News & General
Topic: Poll--especially for newbies--financial calc skills?
Replies: 44
Views: 1888

Re: Poll--especially for newbies--financial calc skills?

Okay, let me give another stab at this. I am trying to think of this in similar terms to the ER from a fund. A) If you invest $1,000 for 200 years at a constant rate of 5.30690...% you'll end up with $31,000,000. B) If you invest $1,000 for 200 years at a constant rate of 4.35058...% you'll end up w...
by red5
Mon Feb 03, 2014 12:11 pm
 
Forum: Investing - Theory, News & General
Topic: Poll--especially for newbies--financial calc skills?
Replies: 44
Views: 1888

Re: Poll--especially for newbies--financial calc skills?

Well I nearly got the same answer as you. I did this three different ways. 1) I used the function fv = pv *(1+i)^nper and I solved for 'i' in both cases. Here I got a difference of .9563% 2) I set up an "xirr" calculation in Excel (1/1/2000 to 1/1/2200) and I got a difference of .9556% in ...
by red5
Mon Feb 03, 2014 10:18 am
 
Forum: Investing - Theory, News & General
Topic: Poll--especially for newbies--financial calc skills?
Replies: 44
Views: 1888

Re: What is your definition of "Wealthy?"

Perhaps wealth should be defined by a level of happiness, joy, content, comfort? Money is just one tool to help achieve that. Who is wealthier, a multi-millionaire who is miserable throughout life or a young and happy family of four with 100k in the bank and 35k in income? Just some food for thought.
by red5
Sat Feb 01, 2014 8:25 am
 
Forum: Personal Finance (Not Investing)
Topic: What is your definition of "Financially Wealthy?"
Replies: 110
Views: 9662

Re: Tracking performance by individual position.

Excel or Morningstar can each do that.
by red5
Fri Jan 24, 2014 6:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Tracking performance by individual position.
Replies: 3
Views: 229

Re: Low Income, High Net Worth - Stories Of

I'm not so sure that many will like my story but it is what it is. I'm not so sure my net worth is high either, especially in this forum, but perhaps it is compared to an average American family? Our income has been low since 2008 when I got out of the service. It has ranged from 20k to 32k. This ha...
by red5
Sat Jan 18, 2014 11:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Low Income, High Net Worth - Stories Of
Replies: 76
Views: 11826

Re: My 30-year Forecast

I for one am grateful to Mr. Rick Ferri for publishing these. I use the estimates in order to project a ***very rough estimate*** of how my numbers ***may*** look in the future. It gives me a vague sense of how I am doing. Thank you.
by red5
Thu Jan 09, 2014 2:23 pm
 
Forum: Investing - Theory, News & General
Topic: My 30-year Forecast
Replies: 63
Views: 6622

Re: Home Appliance plan

So the question is, who's right? You, or a company who makes these bets every day, and whose entire business is based on being right about them? :D Hence why I said that I would normally "self-insure", i.e. pay for repairs and new purchases out of my own pocket. Watty and Daytona, thanks ...
by red5
Thu Jan 09, 2014 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Appliance plan
Replies: 8
Views: 478

Re: Home Appliance plan

Thank you to both for your thoughtful replies. It is exactly the information that I was looking for.

Thank you.
by red5
Thu Jan 09, 2014 12:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Appliance plan
Replies: 8
Views: 478

Home Appliance plan

Good day folks, Just looking for a bit of advice and thoughts and opinions. Normally I would think that "self-insuring" for home appliances would be the best way go, which basically means (to me) to fix things and replace things when they fail on my own dime. However I have two 12 year old...
by red5
Thu Jan 09, 2014 9:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Home Appliance plan
Replies: 8
Views: 478

Re: What was your 2013 return?

22%

That is:

85/15 Equity / Fixed Income
70/30 US/INTL
by red5
Thu Jan 02, 2014 10:36 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 8535

Re: Setting up 5/25 in spreadsheet

I have seen the reference to 5/25 rebalancing on the forum so I wanted to go over how people actually use it for setting up a spreadsheet to indicate rebalance needs. Let's say you have 60/40 stocks/bonds and 70/30 US/international. What percents do you look at? The overall international stock allo...
by red5
Tue Dec 24, 2013 4:05 pm
 
Forum: Investing - Theory, News & General
Topic: Setting up 5/25 in spreadsheet
Replies: 5
Views: 550

Re: If Not TurboTax, What?

Thanks for posting LadyGeek. I am also strongly considering the switch from TT to TA this tax season and I appreciate your insight. I did a dry run through TA (as well as TT) a week ago and was pleased with its ease of use. I came up with the same final figure in both programs with no issues.
by red5
Tue Dec 24, 2013 11:21 am
 
Forum: Personal Finance (Not Investing)
Topic: If Not TurboTax, What?
Replies: 143
Views: 11823

Re: Unaffordable Coverage per ACA

I would suggest going without insurance until you get sick. You can buy it then and can't be turned down for a pre-existing condition. That is certainly a consideration but I would also suggest to take into consideration other types of medical treatment of a more immediate nature that you may requi...
by red5
Thu Dec 19, 2013 8:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Unaffordable Coverage per ACA
Replies: 46
Views: 3602

Re: Capital gains 2013, trad IRA 2014

Your plan looks fine to me. The $800 will reduce your 2013 AGI the same doing it in 2013 or 2014 (before april 15). I know the VG mail-in investment slip has places for how much is 2013 and how much is 2014, and I assume there is some similar way to split it online. Remember the $5500 limit applies...
by red5
Fri Dec 06, 2013 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Capital gains 2013, trad IRA 2014
Replies: 3
Views: 213

Capital gains 2013, trad IRA 2014

I am fairly certain I know the answer to this question. I have done a fair amount of reading about it, played with tax software, but perhaps I am overlooking something. For 2013 I wish to keep my AGI at a minimum and I also wish to "tax-gain harvest". I have about $800 in unrealized gains ...
by red5
Fri Dec 06, 2013 10:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Capital gains 2013, trad IRA 2014
Replies: 3
Views: 213

Re: Endpoint sensitivity on "historic" data

Thanks for all your posts Nisiprius. You always seem to be able to put the common sense back into such thought provoking subjects.
by red5
Wed Dec 04, 2013 10:50 am
 
Forum: Investing - Theory, News & General
Topic: Endpoint sensitivity on "historic" data
Replies: 30
Views: 1114

Re: Transitioning from VTSMX to its admiral VTSAX?

I did as you are doing earlier this year. I put my latest contribution into VTSMX which put me over $10,000. Then the next day a messaged popped up guiding me to convert everything into VTSAX. It is not a taxable event. I can't clearly answer your question about if the fund value ever drops below 10...
by red5
Mon Nov 25, 2013 3:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Transitioning from VTSMX to its admiral VTSAX?
Replies: 6
Views: 869

Re: Morningstar X-ray

Here's a link to TRP's tools page where you'd find M* portfolio manager. Register for an acct (no investment required) and you can access the tool. http://individual.troweprice.com/public/Retail/Planning-&-Research/Tools-&-Resources What information will the TRP M* page give you that you ca...
by red5
Fri Nov 22, 2013 7:30 am
 
Forum: Investing - Theory, News & General
Topic: Morningstar X-ray
Replies: 22
Views: 2274

Re: Morningstar.com

If I recall correctly, I had to phone them to cancel the free trial.
by red5
Thu Nov 21, 2013 10:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Morningstar.com
Replies: 1
Views: 184

Re: Storing pennies

Thank you all, I appreciate your time and energy.
by red5
Mon Nov 18, 2013 12:55 pm
 
Forum: Personal Consumer Issues
Topic: Storing pennies
Replies: 8
Views: 1589

Storing pennies

Good morning all, I am wondering how people would normally store a circulated penny collection. My son has recently gained an interest in collecting change and so we have been collecting a penny from every year we can find. The reason I ask is because I dug out my old penny collection from when I wa...
by red5
Sun Nov 17, 2013 7:47 am
 
Forum: Personal Consumer Issues
Topic: Storing pennies
Replies: 8
Views: 1589

Re: how to calcuate your rate of return

One of my accounts is a bit different Instead of a account starting at 0, my account started with funds in it (i.e. it was transfer when my employer switched 401ks providers so I have something like....(below) Does starting with a lump sum through it off? Row Date (A) Amt (B) --- ---------- -------...
by red5
Thu Nov 14, 2013 11:04 am
 
Forum: Investing - Help with Personal Investments
Topic: how to calcuate your rate of return
Replies: 10
Views: 942

Re: how to calcuate your rate of return

Sure, use the XIRR function in Microsoft Excel. There are TONS of posts here about using XIRR. Do a search and start reading. It is quite easy to use. If you are looking for an overall portfolio rate of return then all you should need are external transactions (contributions/withdrawals). All your i...
by red5
Wed Nov 13, 2013 12:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: how to calcuate your rate of return
Replies: 10
Views: 942

Re: Vanguard October Statements?

I only seem to get monthly statements on the months that I actually complete a transaction, except for the regular quarterly statements. Perhaps this is the case for you and you did not complete any transactions for October?
by red5
Tue Nov 12, 2013 7:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard October Statements?
Replies: 18
Views: 1519

Re: Want to have kids, scared of the financial consequences

I can't speak for you, no one really can. But we decided to have one parent stay at home with children, at least until they are into school. We are doing this on less than 70% of what your husband makes (but we are also probably in a lower cost area). Also, in our case, the stay at home parent enjoy...
by red5
Thu Oct 24, 2013 6:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Want to have kids, scared of the financial consequences
Replies: 95
Views: 6132

Re: ACA Federal Exchange Verify Identity

I was able to upload the document last night at 4 am Eastern using my cell phone instead of my computer. Actually, just after making my previous post (this morning) I tried uploading a document again and this time it worked. So now my identity verification is "pending". Guess the kinks ar...
by red5
Wed Oct 09, 2013 11:27 am
 
Forum: Personal Consumer Issues
Topic: ACA Federal Exchange Verify Identity
Replies: 9
Views: 993

Re: ACA Federal Exchange Verify Identity

While not encountering anything about Equifax I am having the same exact problem uploading documents in order to verify identity.
by red5
Wed Oct 09, 2013 6:32 am
 
Forum: Personal Consumer Issues
Topic: ACA Federal Exchange Verify Identity
Replies: 9
Views: 993

Re: Vanguard - Track your transfer

Happened to me yesterday as well (Wednesday).
by red5
Thu Sep 26, 2013 5:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard - Track your transfer
Replies: 22
Views: 2165

Re: House Mold

Might I suggest checking the humidity levels of your crawl space / basement. High humidity down there can lead to issues throughout your house. In fact I just checked my crawl space and found some fungi issues.
by red5
Thu Sep 19, 2013 6:01 am
 
Forum: Personal Consumer Issues
Topic: House Mold
Replies: 13
Views: 1548

Re: Need tIps for moving portfolio from Ameriprise to Vangua

I went from Ameriprise to Vanguard early last year and Ameriprise kept $100.00 for a transfer out fee. I initiated the process online and I believe I may have received a call from Vanguard that same day just to discuss a few things. It went through without a hitch within a few days. This was a Roth ...
by red5
Thu Aug 22, 2013 6:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Need tIps for moving portfolio from Ameriprise to Vanguard
Replies: 6
Views: 745

Re: Portfolio Returns

Thanks Reds This was an account I changed to Index Funds Starting with $60,603.61 and with an end value of $81,457.80 I initially used y-x/x and got 34.41% However I sold some shares in this account and balanced across several index funds How about a scenario where using the above starting and end ...
by red5
Sat Aug 03, 2013 10:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Returns
Replies: 6
Views: 606
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