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Forum: FIRE Related Political Topics 06-27-2016, 07:49 PM
Replies: 98
Views: 5,554
Posted By nun
The loss to Iceland was sort of poetic......and I...

The loss to Iceland was sort of poetic......and I say that as an Englishman. There's a lot of remorse over Brexit....if the vote was taken today I think it would go the other way, particularly with...
Forum: FIRE Related Political Topics 06-27-2016, 03:26 PM
Replies: 98
Views: 5,554
Posted By nun
Cameron is saying that an early election might be...

Cameron is saying that an early election might be a good idea because of all the political turmoil in the UK. If a party runs with "Remain" on it's ticket and wins then I can see that being a...
Forum: FIRE Related Political Topics 06-26-2016, 10:53 AM
Replies: 98
Views: 5,554
Posted By nun
I'll just rebalance if necessary, Brexit won't...

I'll just rebalance if necessary, Brexit won't change my strategy.Also I live off rent and a small pension so I'm not concerned about market volatility.

However, as a UK citizen living in the US...
Forum: FIRE and Money 06-04-2016, 10:21 PM
Replies: 119
Views: 7,555
Posted By nun
As I have a state pension and will also get some...

As I have a state pension and will also get some SS I won't be buying any annuities from TIAA. I will just keep my TIAA-Traditional account as my fixed income allocation instead of bond funds as it...
Forum: FIRE and Money 05-31-2016, 06:21 PM
Replies: 18
Views: 945
Posted By nun
That (as always depends).....I have ample...

That (as always depends).....I have ample lifetime income from a pension, rent and a second SS check from the UK, so deferring US SS and waiting until I get into my early 80s for it to pay off isn't...
Forum: FIRE and Money 05-30-2016, 07:02 PM
Replies: 18
Views: 945
Posted By nun
I like annuities when they are based on good...

I like annuities when they are based on good interest rates.....I don't like annuities that lock in low interest rates. So I hate them now, but might love them in 10 years time.
Forum: FIRE and Money 05-30-2016, 02:44 PM
Replies: 26
Views: 3,313
Posted By nun
No, it's a state define benefit pension plan. In...

No, it's a state define benefit pension plan. In fact I took money from my DC plan which was with TIAA-CREF in CREF index funds and used that to buy into the state pension. I still have a balance...
Forum: FIRE and Money 05-30-2016, 06:45 AM
Replies: 88
Views: 5,941
Posted By nun
I wish "spouse" had been used in the title rather...

I wish "spouse" had been used in the title rather than "wife".
Forum: FIRE and Money 05-30-2016, 06:43 AM
Replies: 26
Views: 3,313
Posted By nun
Just running some numbers for the OP's pension...

Just running some numbers for the OP's pension and assuming an 35 year joint lifespan and 3% COLA the IRR is 6.5%, so this is a good deal
Forum: FIRE and Money 05-29-2016, 03:11 PM
Replies: 26
Views: 3,313
Posted By nun
When I saw the payout rate and the COLA I...

When I saw the payout rate and the COLA I immediately thought it was some sort of non commercial pension benefit. I just used $279k to buy into a state employee pension scheme that starts paying out...
Forum: FIRE and Money 05-20-2016, 10:51 PM
Replies: 20
Views: 1,012
Posted By nun
Well starting at age 55 the pension reduction is...

Well starting at age 55 the pension reduction is 1%, but the death benefit will be zero in around 15 years. The vast majority of 55 years olds will still be alive by age 70 so the benefit won't often...
Forum: FIRE and Money 05-20-2016, 09:25 PM
Replies: 20
Views: 1,012
Posted By nun
Maybe I should add that I'm single and have no...

Maybe I should add that I'm single and have no children.......still a no brainer IMHO as my niece would be well set.
Forum: FIRE and Money 05-20-2016, 10:02 AM
Replies: 20
Views: 1,012
Posted By nun
Pension Death Benefit

So the big day has arrived when I apply for my pension. I have two income options:

1) Life time pension of $19813 / year with a 2% COLA starting at 55 with no death benefit.

2) Life time...
Forum: FIRE and Money 04-12-2016, 06:32 PM
Replies: 22
Views: 1,513
Posted By nun
My TIAA-Traditional account is a deferred...

My TIAA-Traditional account is a deferred annuity, but I get the choice of when to turn it into an annuity. Right now it is paying 4.89% interest.
Forum: FIRE and Money 04-07-2016, 07:58 AM
Replies: 45
Views: 2,431
Posted By nun
I applaud the goals of this legislation, but I...

I applaud the goals of this legislation, but I wonder how it will be enforced. If it does nothing other than making FAs think twice about what they are doing and raising the profile of FA abuses,...
Forum: FIRE and Money 04-04-2016, 01:14 PM
Replies: 21
Views: 1,491
Posted By nun
After 9 years my tenant is moving out....I'm sad...

After 9 years my tenant is moving out....I'm sad to see her go because she paid on time and looked after the place. But she has a job offer in Idaho and what she pays in rent in Boston will pay a...
Forum: Other topics 04-03-2016, 03:53 PM
Replies: 108
Views: 3,688
Posted By nun
Yes, I grew up with a coal fire....which became a...

Yes, I grew up with a coal fire....which became a coke fire when anti-air pollution laws were passed. I remember filling a scuttle from the coal bunker outside the kitchen door. And, yes, most of...
Forum: Other topics 04-03-2016, 02:18 PM
Replies: 108
Views: 3,688
Posted By nun
Nigeria has some terrible issues. Comparing the...

Nigeria has some terrible issues. Comparing the the American Dream to the Nigerian dream is setting the bar pretty low.

Thankfully there are always going to be success stories and people who work...
Forum: Other topics 04-03-2016, 02:07 PM
Replies: 108
Views: 3,688
Posted By nun
Agreed, but the rigidity of socio-economic...

Agreed, but the rigidity of socio-economic position and the level of income disparity is more relevant to the reality of the American Dream.
Forum: Other topics 04-03-2016, 12:03 PM
Replies: 108
Views: 3,688
Posted By nun
The American Dream us just a marketing slogan...

The American Dream us just a marketing slogan that protects a hierarchical status quo. The US is one of the most unequal developed societies and it is more difficult to move up the socio-economic...
Forum: Other topics 04-02-2016, 10:31 AM
Replies: 108
Views: 3,688
Posted By nun
In the 1970s I was working hard to do well at my...

In the 1970s I was working hard to do well at my exams back in the UK as if I got good results I knew I'd get into a good University....education was socialized and I would pay no frees and get a...
Forum: Other topics 04-02-2016, 10:11 AM
Replies: 108
Views: 3,688
Posted By nun
....... And maybe your opinion and feelings about...

....... And maybe your opinion and feelings about the military has nothing to do at all with your ability or desire to make sacrifices to achieve your goals.
Forum: Other topics 03-31-2016, 11:05 PM
Replies: 108
Views: 3,688
Posted By nun
I've never understood "The American...

I've never understood "The American Dream"......it sounds like an advertising slogan......and I don't think the middle aged/old folks on a forum like this really have much chance of understanding the...
Forum: Stock Picking and Market Strategy 03-31-2016, 10:56 PM
Replies: 160
Views: 7,930
Posted By nun
There are obviously lots of benchmarks, but many...

There are obviously lots of benchmarks, but many people would point to the CRSP Market Indexes and the Barclays US Aggregate bond index as they are what some popular Vanguard funds track.
Forum: FIRE and Money 03-31-2016, 07:49 AM
Replies: 14
Views: 1,504
Posted By nun
The returns certainly look optimistic to me, but...

The returns certainly look optimistic to me, but all I'm going on is the number of furrows on Janet Yellen's brow. Still, my plan is to be able to fund retirement with very low returns.
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