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Search: Posts Made By: nun
Forum: FIRE and Money Today, 10:11 PM
Replies: 21
Views: 622
Posted By nun
I can spend $250k at 52.5 to get a single life...

I can spend $250k at 52.5 to get a single life COLA pension of $21k/year starting at 55. Looks like a good deal in the current environment.
Forum: FIRE and Money Yesterday, 04:37 PM
Replies: 21
Views: 622
Posted By nun
Before you buy a DIA make sure you understand...

Before you buy a DIA make sure you understand exactly what you're getting. If you have access to a stable value fund or could even set up a CD ladder you might be better off. I'm not against all...
Forum: FIRE and Money Yesterday, 05:38 AM
Replies: 19
Views: 545
Posted By nun
Agreed, new TIAA-Traditional accounts are nowhere...

Agreed, new TIAA-Traditional accounts are nowhere near as good as existing ones.
Forum: FIRE and Money 04-16-2014, 04:49 PM
Replies: 32
Views: 2,432
Posted By nun
I know that many of us on here have a good level...

I know that many of us on here have a good level of investments and little debt, but I look at these financial services planning videos and wonder how relevant they are for most people....let's be...
Forum: FIRE and Money 04-16-2014, 03:01 PM
Replies: 19
Views: 545
Posted By nun
I have TIAA-Traditional and I just include it as...

I have TIAA-Traditional and I just include it as part of my fixed income. Where else could I get 4.43% interest with a guaranteed minimum of 3% so there's no way I would give it up.

The decision...
Forum: FIRE and Money 04-12-2014, 12:44 PM
Replies: 19
Views: 1,850
Posted By nun
Retirement articles never quite capture the...

Retirement articles never quite capture the complexity of ER income generation. If you retire long before pensions or SS start ER folks will have vastly different drawdown requirements depending on...
Forum: Life after FIRE 04-10-2014, 10:17 PM
Replies: 67
Views: 2,483
Posted By nun
Here's a misanthrope's intro on a dating site: ...

Here's a misanthrope's intro on a dating site:

Misanthrope in search of similar for mutual loathing.
Forum: Life after FIRE 04-10-2014, 09:38 AM
Replies: 67
Views: 2,483
Posted By nun
Poll: What's your relationship status?

Is it easier to plan for ER if you are single? and is it easier to be happy in retirement if you have a partner?

I definitely find it easy to manage my finances as a single person, but I'm...
Forum: Life after FIRE 04-09-2014, 05:15 PM
Replies: 57
Views: 3,536
Posted By nun
Exs can be weird. Mine was weird in a good way,...

Exs can be weird. Mine was weird in a good way, at least for me.. While we were married her lack of financial planning skills or any thought for money frustrated me. It was charming to date someone...
Forum: Life after FIRE 04-08-2014, 12:00 PM
Replies: 57
Views: 3,536
Posted By nun
ER life evaluation.

I imagine most ER folks can pretty readily tell you their net worth. But what is a life really.........ER makes you evaluate stuff other than finances.

So here I am, 52.5 and ERed......net worth,...
Forum: FIRE and Money 04-05-2014, 09:37 AM
Replies: 88
Views: 4,061
Posted By nun
+1. The prognostications and reports in the media...

+1. The prognostications and reports in the media hinder rather than help when investing. There's a lot of numerology in stock market/economic
analysis and I laugh at all the people who put any...
Forum: FIRE and Money 04-05-2014, 12:48 AM
Replies: 88
Views: 4,061
Posted By nun
Huh? I don't understand any of this and if I did...

Huh? I don't understand any of this and if I did I wouldn't act on it. I get the feeling that the OP is making things far harder than they need to be. I'm relieved no stats were supplied.......
Forum: Other topics 04-05-2014, 12:34 AM
Replies: 22
Views: 435
Posted By nun
Guardian, BBC Radio 4 on iPlayer, Daily Telegraph...

Guardian, BBC Radio 4 on iPlayer, Daily Telegraph and Le Monde
Forum: FIRE and Money 04-05-2014, 12:29 AM
Replies: 20
Views: 1,758
Posted By nun
There's no magic to Wellesley and Wellington, you...

There's no magic to Wellesley and Wellington, you can recreate a similar asset allocation from Vanguard index funds. Having said that my 403b has been 100% Wellesley for the past 10 years and I also...
Forum: FIRE and Money 04-04-2014, 03:41 PM
Replies: 88
Views: 4,061
Posted By nun
You have no account balance or control over your...

You have no account balance or control over your payments. He Government has your taxes and determines how much you get in SS, it's not a DC plan.
Forum: FIRE and Money 04-04-2014, 03:08 PM
Replies: 88
Views: 4,061
Posted By nun
Hmm....at the risk of Porky since when was there...

Hmm....at the risk of Porky since when was there an account at SSA with your name on it? And yes, SS is there for the "Haves to pay for the have nots", it's been expanded to cover most people who...
Forum: FIRE and Money 04-04-2014, 01:59 PM
Replies: 88
Views: 4,061
Posted By nun
I avoid any investments that promise large or...

I avoid any investments that promise large or quick returns and like to keep things diversified. I also buy "quality", keep things simple and costs down. So I'm a Boglehead with a pretty simple index...
Forum: FIRE and Money 04-04-2014, 01:45 PM
Replies: 88
Views: 4,061
Posted By nun
I bought a rental 17 years ago and it generates...

I bought a rental 17 years ago and it generates $1200/month.....it's doubled in value since then but ignoring that and just dividing the income after costs and expenses are removed by the initial...
Forum: FIRE and Money 04-04-2014, 01:02 PM
Replies: 88
Views: 4,061
Posted By nun
I like the diversification and income a rental...

I like the diversification and income a rental property can provide, but I'm not sure about it being low risk.
Forum: FIRE and Money 04-04-2014, 12:59 PM
Replies: 88
Views: 4,061
Posted By nun
Well it comes down to diversification and...

Well it comes down to diversification and discipline. Read the wiki over at Bogleheads.org, many on this forum follow the portfolio and investing principles it explains.
Forum: FIRE and Money 04-04-2014, 12:46 PM
Replies: 88
Views: 4,061
Posted By nun
The days of getting all your income from...

The days of getting all your income from investments that guarantee your principal are long gone, but CDs, Savings Bonds and stable value accounts should still be part of most people's portfolios....
Forum: FIRE and Money 04-04-2014, 10:24 AM
Replies: 9
Views: 497
Posted By nun
Yes I would take my deferred funds in my DC...

Yes I would take my deferred funds in my DC account and buy into the DB plan.

Right now, 52.5, rental income covers 30% of my budget and I have no income from annuities. If I take the state...
Forum: FIRE and Money 04-04-2014, 10:15 AM
Replies: 9
Views: 497
Posted By nun
Thanks Chuckanut, you reinforce some of my...

Thanks Chuckanut, you reinforce some of my thinking.

MA has just been through some pension reforms and has committed to fuller funding of pensions......and has actually deposited money into the...
Forum: Life after FIRE 04-04-2014, 09:38 AM
Replies: 135
Views: 8,497
Posted By nun
I worked in aerospace, Government labs and...

I worked in aerospace, Government labs and academia running programs and delivering instrumentation. There could be a lot of pressure, but it was always cool because I got to be involved with...
Forum: FIRE and Money 04-04-2014, 07:49 AM
Replies: 9
Views: 497
Posted By nun
I already have the 10 years of service to vest in...

I already have the 10 years of service to vest in the retirement benefits. The MA state employee's pension (the one I would buy into) is actually 74% funded. Also I think trajectory of the pension...
Showing results 1 to 25 of 3065

 
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