Search found 17 matches

by ColoradoRick
Fri Sep 15, 2017 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Health Care Fund in my portfolio?
Replies: 32
Views: 2365

Re: Vanguard Health Care Fund in my portfolio?

A previous poster posted this: My thought on the sector is that it has greatly outperformed the rest of the market for a sustained period. Also the demographics are right with baby boomers already starting to retire. Even if the US goes to a single payer system there are a lot of people that will st...
by ColoradoRick
Tue Sep 12, 2017 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Retirees-anyone miscalculate how much was needed?
Replies: 71
Views: 8636

Re: Retirees-anyone miscalculate how much was needed?

I was miserable the last 4 years of my 39 year career (rest were great!). I'd tracked our expenses for 10 years prior. I was so unhappy at my job that in consultation with my wife I was prepared to live on 80% of what we lived on before, even with 25X yearly income. We were pretty conservative the f...
by ColoradoRick
Sun Jun 25, 2017 1:21 pm
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 14438

Re: Anyone else gotten totally bored with investing?

Dear OP - like your real life, enjoy whatever state you are in. When I enjoyed the intellectual challenge of trading blue chips, the return made it fun and occupied my hours when I was first retired. I still read everything financial I could get my hands on. After 3 years, again as an intellectual e...
by ColoradoRick
Fri Jun 09, 2017 9:20 am
Forum: Investing - Theory, News & General
Topic: Retirees: What are you doing about withdrawing?
Replies: 31
Views: 4599

Re: Retirees: What are you doing about withdrawing?

1) we put all our tax deferred retirement assets in Vanguard.
2) went to automatic withdrawals and replicated my paycheck 1x/month less SS
3) repeat
4) deal with one time issues (house painting) as needed
by ColoradoRick
Tue Jun 06, 2017 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Play Money for Spouse....
Replies: 138
Views: 10854

Re: Play Money for Spouse....

OP - sounds like through the thread you are on the right path. I'll give you our personal experience just for laughs. My DW is fairly frugal, but wanted an allowance ($400/mo) for guilt free purchases. Worked fine while she wasn't working. After I retired, she got a consulting job that paid $20,000/...
by ColoradoRick
Fri May 19, 2017 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: I am a huge believer in Passive Indexing.. but.....
Replies: 42
Views: 3675

Re: I am a huge believer in Passive Indexing.. but.....

OP - first congrats! Enjoy your success. 2nd is Questions I'd ask myself: Do you enjoy the process of picking the stocks? Are you willing to spend the time to monitor them? How would you feel if the stocks you picked fell 50%? Would you hang in there, or would you forever kick yourself and sell at t...
by ColoradoRick
Thu Apr 06, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Spending beyond my means, I think..is my budget out of whack?
Replies: 81
Views: 9411

Re: Spending beyond my means, I think..is my budget out of whack?

To: runner 540 - 8% used was nominal; not real. I realize you and many others would be uncomfortable with this. I realize what inflation will do; but with the resumption of his aggressive savings and a high stock allocation at his relatively young age it would be my OPINION that it would balance out...
by ColoradoRick
Wed Apr 05, 2017 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Spending beyond my means, I think..is my budget out of whack?
Replies: 81
Views: 9411

Re: Spending beyond my means, I think..is my budget out of whack?

You're 35 & have $325M in savings. GREAT JOB! If I were you (which I am not) I would cut back for 2 years on my savings some and use that to give you some breathing room. You love your home, your pre-schools and your life. Back of the napkin rationale: in 27 years you'll be 62. Figuring an 8% re...
by ColoradoRick
Sat Apr 01, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Retired 5 to 10 years? How has this bull changed your spending?
Replies: 13
Views: 1707

Re: Retired 5 to 10 years? How has this bull changed your spending?

Retired almost 5 years. Withdrawing slightly more than 4% of original balance (4.5%) and I realize that would make most BHs uncomfortable. But haven't really increased it from day we retired. We didn't take nice vacations when raising family, anything left over after savings went to kids & their...
by ColoradoRick
Mon Mar 13, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 40
Views: 12061

Re: WSJ Digital Subscription - a bargain!

I buy the hardcopy WSJ as a new subscriber after my 6 month or 1 year introductory offer expires. Their regular rate to me of $400/year and their credit card automatic opt-in (don't get me started; everything should be opt in, not a required opt out) are too expensive. Being a baby boomer who likes ...
by ColoradoRick
Sat Mar 04, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: Oil Change Advice Honda CR-V
Replies: 40
Views: 5581

Oil Change Advice Honda CR-V

Hello any shade tree mechanics....my DW & I bought here a new Honda CR-V last August. I asked her to get the oil changed and the dealer service department said wait until the light goes on. She drives very little (2500 miles so far) but also besides milage isn't there a time when oil starts to b...
by ColoradoRick
Sat Mar 04, 2017 7:01 am
Forum: Investing - Help with Personal Investments
Topic: Possibly Financially Independent and Feeling Miserable
Replies: 153
Views: 18121

Re: Possibly Financially Independent and Feeling Miserable

Dear Random Poster - thanks for the courage of sharing....there are more of us out there than you think. I used to be that way. I update my net worth sheet monthly unless the market is running up then weekly. When it is in a bear market I update quarterly. I have changed it from my vocation to my ho...
by ColoradoRick
Thu Mar 02, 2017 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Timing the Market (just once)
Replies: 37
Views: 3271

Re: Timing the Market (just once)

Take heart. Just being on this forum means there is a high probability of reaching your goals. I am new to posting, but have acted like a Boglehead for 30 years (with some HUGE mistakes when I didn't) but am enjoying the life I dreamed about because I stayed the course. I understand reversion to the...
by ColoradoRick
Wed Feb 15, 2017 8:14 am
Forum: Personal Consumer Issues
Topic: Visiting Downtown Denver in late March without car.
Replies: 19
Views: 1467

Re: Visiting Downtown Denver in late March without car.

You will also be only a couple of blocks away from the FREE 16th Street Mall Bus. It'll take you from the City County Building down to Union Station and everywhere in between. Lots to see and do there (people watch at "The Market" on Larimar Square/Library/Art Museum/plays at convention ce...
by ColoradoRick
Sat Feb 04, 2017 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Help with sudden death of young father Re: SS
Replies: 10
Views: 1921

Re: Help with sudden death of young father Re: SS

Just wanted to +1 about the fine job they do at the SS offices with a personal appointment. Might not be as convenient as calling but I felt it was much more effective. Mine was about early retirement, but the professional way they patiently answered my questions and actually helped me maximize my b...
by ColoradoRick
Sat Feb 04, 2017 6:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: metro Denver Bogleheads?
Replies: 16
Views: 2090

Re: metro Denver Bogleheads?

If you all decide to have it Bellevue or south I would be in.
by ColoradoRick
Sat Aug 27, 2016 12:20 pm
Forum: Investing - Theory, News & General
Topic: Adding Inflation Protection to a Portfolio
Replies: 14
Views: 1848

Re: Adding Inflation Protection to a Portfolio

Wow - - great job on synthesis (sincerely). Thought I would add another perspective in this age of minuscule savings rates. I built a 7 yr CD ladder out of FDIC insured thru Vanguard, one maturing every January. The amount is my annual withdrawal. It is 7 years long which I feel will enable you to w...