Search found 242 matches
- Mon Oct 27, 2003 5:28 am
- Forum: FIRE Board
- Topic: Are you on track to retire rich?
- Replies: 34
- Views: 29587
We should each get over $15K per year in S.S. Retirement Benefits. I will start drawing in about 9 years and my wife about 8 years after that. The system will have to be 'shored up' in about 2025, but being the political sacred cow that S.S. is I fully expect the government to screw those that have...
- Fri Oct 24, 2003 4:09 am
- Forum: FIRE Board
- Topic: Retirees need $1 million for health care alone
- Replies: 16
- Views: 16566
- Thu Oct 23, 2003 4:13 am
- Forum: FIRE Board
- Topic: Buying Private Health Insurance
- Replies: 16
- Views: 19714
My dad was virtually uninsurable, because he had had cancer at age 37, and later had to have his hips replaced. But he got group coverage for his tax and accounting business, that has a minimum of 2 enrollees, for him and my mother. It wasn't cheap, and the rates steadily have gone up faster than i...
- Tue Oct 14, 2003 5:01 am
- Forum: SWR Research Group
- Topic: Where we are now.
- Replies: 5
- Views: 7799
- Fri Oct 10, 2003 10:15 am
- Forum: FIRE Board
- Topic: 10 Commandments of Financial Happiness
- Replies: 12
- Views: 11145
- Thu Oct 09, 2003 5:49 am
- Forum: FIRE Board
- Topic: Addressing the hocus confusion
- Replies: 5
- Views: 6479
I preferred BenSolar's wording to either A or B. I agree with WiseNLucky :lol: Again, I like the more diplomatic approach because the FAQ is the public face of the FIRE board. I prefer to not expose family squabbles to the public. :) Anyone who gets involved in any depth with these boards and the S...
- Wed Oct 08, 2003 5:52 am
- Forum: FIRE Board
- Topic: Possible FIRE FAQ
- Replies: 11
- Views: 9711
- Tue Oct 07, 2003 6:52 am
- Forum: FIRE Board
- Topic: Possible FIRE FAQ
- Replies: 11
- Views: 9711
re: FIRE FAQ
Excellent work, ataloss!! A couple of suggestions: The fine print is, er, maybe, too fine. Especially the italicized fine print is very difficult for me to read. On SWRs you wrote: People seem to have different preferences on how to estimate a SWR (or calculate it with absolute precision in one case...
- Tue Oct 07, 2003 5:58 am
- Forum: FIRE Board
- Topic: 401K Plans
- Replies: 7
- Views: 8198
Re: I just don't understand.....
Some 401K plans allow in-service rollovers. I just don't understand why this is not made mandatory for all plans :evil:, say once each year (maybe at the time of all the benefit re-enrollments). You would obviously not be allowed to move un-vested monies. ... This does not address a LOT of issues i...
- Mon Oct 06, 2003 10:34 am
- Forum: FIRE Board
- Topic: 401K Plans
- Replies: 7
- Views: 8198
Re: 401K Plans
... And if SS goes we'll be balancing on a 1 legged stool !! And given the crummy investment options in many 401ks, that one leg is not nearly as robust as it could be. Mine offers only 1 index fund and has no options in the following asset classes: REITs, inflation indexed bonds, small cap value, ...
- Sat Oct 04, 2003 4:42 am
- Forum: FIRE Board
- Topic: MSCI Hedge Invest Index launched
- Replies: 5
- Views: 5737
- Fri Oct 03, 2003 9:26 am
- Forum: FIRE Board
- Topic: My Worst Job
- Replies: 6
- Views: 7292
- Fri Oct 03, 2003 5:42 am
- Forum: FIRE Board
- Topic: Emerging Market Bonds
- Replies: 33
- Views: 62372
Was confused by the data over here: http://www.nareit.com/nareitindexes/web3.htm All REITS, last year return circa 26%, dividend only 6%. Thought US REITS paid out 95% of net earnings in dividends, am I reading this data incorrectly or is this the quarterly dividend? No, that dividend is yearly. Th...
- Fri Oct 03, 2003 5:05 am
- Forum: FIRE Board
- Topic: 1% mgmt fee uneconomic UK fund mgrs tell UK Govt
- Replies: 19
- Views: 13086
None of these would exist without Vanguard and its success. They were put in to stop the bleeding. Since these rates equal zero profit at Vanguard, they almost certainly equal zero profit at Fidelity (or, more likely, are loss leaders with the hope that participants will also put a few bucks in man...
- Fri Oct 03, 2003 4:48 am
- Forum: FIRE Board
- Topic: Declining equity REIT correlation to Small-Cap Eq. Why?
- Replies: 7
- Views: 7064
if you look at the chart for vgsix, it pretty much went into a free fall around the time of the bernstein article in april 98 (2000 was a better time to buy :wink:) He was right to be cautious at the time Apparently 1997-98 was quite bubble-icious in the REIT industry. It's not as bad yet, but if i...
- Thu Oct 02, 2003 12:34 pm
- Forum: FIRE Board
- Topic: 1% mgmt fee uneconomic UK fund mgrs tell UK Govt
- Replies: 19
- Views: 13086
- Thu Oct 02, 2003 10:05 am
- Forum: FIRE Board
- Topic: Emerging Market Bonds
- Replies: 33
- Views: 62372
I am wondering about US REITs. I forgot to mention: since you have access to the Fool boards, you might want to check out their REIT board. It is a truly excellent resource. Here is a link to the latest 'REIT Week' written by REITNut who is a REIT mutual fund manager and regular poster there. There...
- Thu Oct 02, 2003 9:38 am
- Forum: FIRE Board
- Topic: Emerging Market Bonds
- Replies: 33
- Views: 62372
I am wondering about US REITs. Perhaps you can weigh in here. I had a plan to allocate 26% of the portfolio to two property mutual funds, 5% sales load and 1.76% mgmt fee. Est. 6.5% gross nominal return. I do wonder how realistic that is for the US The Morgan Stanley REIT index (the RMS) yields abo...
- Thu Oct 02, 2003 9:04 am
- Forum: FIRE Board
- Topic: 2nd change of subject/pace: Mortgages
- Replies: 14
- Views: 11142
I re-assesed the mortgage payoff question ... The issue seems easily addressed by determining what FIRE assets are needed to generate the mortgage payment. ... So retiring debt free means retiring earlier (by a factor of 2.5 for this example). Yes, I think it's clear cut that paying off your mortga...
- Thu Oct 02, 2003 5:07 am
- Forum: FIRE Board
- Topic: My new website is up...sorta
- Replies: 33
- Views: 24487
I've added page of analysis of the Gordon equation if anyone is interested: http://raddr.freehostingpro.com/gordon.htm. It goes in to a little more detail than my original NFB post at http://nofeeboards.com/boards/viewtopic.php?t=1128. Better be careful raddr. Wasn't it along these lines that Dr. B...