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Forum: Young Dreamers 10-17-2014, 09:58 PM
Replies: 20
Views: 3,290
Posted By nun
Both of those companies were options where I...

Both of those companies were options where I worked, but they looked expensive to me so I went with TIAA-CREF for the 403b and we had Great Western for the 457 with a range of good low cost funds. I...
Forum: FIRE and Money 10-12-2014, 07:56 AM
Replies: 3
Views: 402
Posted By nun
I think that's true in the US, but not the case...

I think that's true in the US, but not the case in the UK. However, these things still look risky as it's a small company in a small volatile sector.
Forum: FIRE and Money 10-12-2014, 07:04 AM
Replies: 3
Views: 402
Posted By nun
Abundance Debentures for retirement income?

Abundance is a UK company that invests in renewable energy schemes and sells debentures to the public.

https://www.abundancegeneration.com/

The investment is long term, usually lasting for 20...
Forum: FIRE and Money 10-07-2014, 09:13 PM
Replies: 82
Views: 6,358
Posted By nun
I retired 7 months ago. I update my account...

I retired 7 months ago. I update my account balances at the end of each month and rebalance if I stray from my 60/40 AA. I have enough in my stable value fund to last me for 7 years so I have little...
Forum: FIRE and Money 10-07-2014, 05:43 AM
Replies: 27
Views: 2,355
Posted By nun
The assumption was probably that not many people...

The assumption was probably that not many people have that much cash available if you ask outside the rarefied world of ER forums.
Forum: FIRE and Money 10-07-2014, 05:41 AM
Replies: 27
Views: 2,355
Posted By nun
Mortgage or no mortgage is a very old question,...

Mortgage or no mortgage is a very old question, but if you have the capital to pay it off I really don't see much difference. The question should be "is it better for MOST people to enter retirement...
Forum: FIRE and Money 10-04-2014, 07:58 PM
Replies: 18
Views: 1,061
Posted By nun
When I retired early at 52 I moved half of my...

When I retired early at 52 I moved half of my bond allocation to the stable value fund in my 457 plan. It's one year return is 2% with an ER of 0.4%. I have enough in it to cover my expenses until I...
Forum: Stock Picking (Individual Security Analysis) 09-18-2014, 03:36 PM
Replies: 8
Views: 391
Posted By nun
I looked a bit more closely at the terms of the...

I looked a bit more closely at the terms of the investment offered by abundancegeneration.com (a company that specializes in renewable energy projects) and this is what I found

Annual management...
Forum: Stock Picking (Individual Security Analysis) 09-18-2014, 07:37 AM
Replies: 8
Views: 391
Posted By nun
There definitely is an eco and investing in the...

There definitely is an eco and investing in the local community aspect. Also the investments are often not very liquid, I suppose to stop people removing capital from what would be a small pool. I...
Forum: Stock Picking (Individual Security Analysis) 09-18-2014, 06:48 AM
Replies: 8
Views: 391
Posted By nun
That's a good question, why can't they get some...

That's a good question, why can't they get some private equity or do an IPO? The "social" aspect is really important and some projects like to get financing from the local community so that might be...
Forum: FIRE and Money 09-18-2014, 05:40 AM
Replies: 9
Views: 1,338
Posted By nun
The only problem I have with the article is the...

The only problem I have with the article is the impression it gives that investing in individual companies on a hunch leads to success. Unfortunately we seldom hear of the unsuccessful stories of...
Forum: Stock Picking (Individual Security Analysis) 09-17-2014, 01:31 PM
Replies: 8
Views: 391
Posted By nun
In the programs I've seen there isn't any public...

In the programs I've seen there isn't any public funding and they are being marketed to the small investor. One I saw was to fund a small hydro electric project. It claimed a 6% to 9% return for a 25...
Forum: Stock Picking (Individual Security Analysis) 09-17-2014, 12:14 PM
Replies: 8
Views: 391
Posted By nun
Social Investment Initiatives

There is a movement driven by Governments and various private investment companies to promote "social impact investing". It seems like a way to get people to invest in various infrastructure or...
Forum: FIRE and Money 09-17-2014, 11:32 AM
Replies: 9
Views: 1,338
Posted By nun
She sounds like an amazing lady, but her...

She sounds like an amazing lady, but her investing success seems to be from luck rather than planning and good judgement. A similar strategy adopted by a low income worker would probably not result...
Forum: FIRE and Money 09-16-2014, 06:01 PM
Replies: 13
Views: 920
Posted By nun
Back in 1987 I stuck all my 403b money into...

Back in 1987 I stuck all my 403b money into TIAA-Traditional variable annuity because I though that retirement money should have some guarantee. I also decided to keep up voluntary contributions to...
Forum: FIRE and Money 09-16-2014, 11:55 AM
Replies: 35
Views: 2,462
Posted By nun
I retired as soon as I hit 10 years of service...

I retired as soon as I hit 10 years of service and vested in both the pension plan and retiree health benefits. That happened last March so I've been able to enjoy the summer. Accrued vacation time...
Forum: FIRE and Money 09-16-2014, 10:31 AM
Replies: 13
Views: 920
Posted By nun
I retired earlier this year at age 52. About half...

I retired earlier this year at age 52. About half my income comes from rent and back in the day I would have used a 5 year CD ladder to provide the rest topping it up from equity gains in good times....
Forum: FIRE and Money 09-15-2014, 02:50 PM
Replies: 113
Views: 7,088
Posted By nun
That's what I found too. My employers plan is...

That's what I found too. My employers plan is pretty rich....no deductibles etc and to get that level of coverage on the ACA I would have been paying a $800/month and even with the ACA subsidy I...
Forum: FIRE and Money 09-15-2014, 01:10 PM
Replies: 113
Views: 7,088
Posted By nun
I went back and forth over the choice. I'm...

I went back and forth over the choice. I'm healthy and my healthcare costs are just my premiums...... apart from the dentist where the insurance just paid for 50% of a crown I needed. If I wasn't...
Forum: FIRE and Money 09-15-2014, 09:10 AM
Replies: 113
Views: 7,088
Posted By nun
My options when I stopped working at a state...

My options when I stopped working at a state university at 53 were to go on ACA and pay $200/month for a high deductible plan or stay with my cadillac state plan and pay the full premium of...
Forum: FIRE and Money 09-15-2014, 08:26 AM
Replies: 113
Views: 7,088
Posted By nun
I get a plan from my ex-state employer. Medical...

I get a plan from my ex-state employer. Medical and dental premiums are $463 per month for me as single 53 year old deferred retiree. The plan has no-deductible except the first $250 of tests. As I...
Forum: Stock Picking (Individual Security Analysis) 09-10-2014, 05:13 PM
Replies: 139
Views: 10,823
Posted By nun
I haven't been watching the interaction between...

I haven't been watching the interaction between the markets as S&P500 hit 2000. While most people and reality show that 2000 should really not mean anything, it is apparent that it means something...
Forum: FIRE and Money 09-10-2014, 10:36 AM
Replies: 33
Views: 1,701
Posted By nun
I get $100 out of my account each week to spend...

I get $100 out of my account each week to spend on food, travel and entertainment. I usually spend money every other day and my weekly budget is working out like this

2 x $20 at the supermarket =...
Forum: Stock Picking (Individual Security Analysis) 09-10-2014, 10:25 AM
Replies: 139
Views: 10,823
Posted By nun
My stock percentage hit 65% a couple of weeks ago...

My stock percentage hit 65% a couple of weeks ago so I transferred 5% to my stable value fund to get back to my 60% equities AA goal. Whichever way the stock and bond markets go I'll rebalance back...
Forum: FIRE and Money 09-04-2014, 04:15 PM
Replies: 110
Views: 11,032
Posted By nun
I'd consider dividends and capital gains as just...

I'd consider dividends and capital gains as just regular income that would be taxed at your marginal income tax rate.
Showing results 1 to 25 of 3212

 
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