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Forum: FIRE and Money 05-19-2015, 04:55 PM
Replies: 11
Views: 709
Posted By Tadpole
I think I determined that a life annuity would...

I think I determined that a life annuity would not replace my SS. The payout annuity was almost the same value as my reduced SS at 62 (a little less but not significant). If I had known I would not...
Forum: FIRE and Money 05-19-2015, 02:07 PM
Replies: 22
Views: 1,246
Posted By Tadpole
So dallas27, suppose you are a responsible party...

So dallas27, suppose you are a responsible party - member of Fed, President, Congress critter, etc.


With rates at zero, what would you do if the economy was in collapse? If you come up with a...
Forum: Other topics 05-19-2015, 02:02 PM
Replies: 9
Views: 478
Posted By Tadpole
:dance::laugh::rofl::rofl::clap:

:dance::laugh::rofl::rofl::clap:
Forum: Health and Early Retirement 05-19-2015, 01:57 PM
Replies: 60
Views: 1,467
Posted By Tadpole
Well, I just did my weekly lunch out with hubby...

Well, I just did my weekly lunch out with hubby (DH). Wendy burger and small frosty. I will die yet a day or two earlier.
Forum: Health and Early Retirement 05-19-2015, 10:16 AM
Replies: 60
Views: 1,467
Posted By Tadpole
What about bacon????

What about bacon????
Forum: FIRE and Money 05-19-2015, 09:59 AM
Replies: 11
Views: 709
Posted By Tadpole
robert57, Yes, that is what it is and I did...

robert57,
Yes, that is what it is and I did get a estimate of the yearly payout. As for the shares - They are from the 80s. I don't know the original allocation between TIAA and CREF but I would...
Forum: FIRE and Money 05-19-2015, 08:25 AM
Replies: 18
Views: 902
Posted By Tadpole
I didn't understand this case the same way...

I didn't understand this case the same way everyone else did. It looked to me that it was about making choice that unnecessarily added fees such as the higher cost option of the same investment at...
Forum: FIRE and Money 05-19-2015, 08:13 AM
Replies: 11
Views: 709
Posted By Tadpole
I had a legacy retirement account of about the...

I had a legacy retirement account of about the same size ($158K). I moved the CREF to TIAA and took a 10 year payout annuity. (About $18-20K/year for ten years at 4%). At the time I did it, I was...
Forum: Life after FIRE 05-18-2015, 06:37 AM
Replies: 40
Views: 2,181
Posted By Tadpole
deleted.

deleted.
Forum: Other topics 05-17-2015, 12:34 PM
Replies: 30
Views: 807
Posted By Tadpole
There are many things that I wouldn't buy for...

There are many things that I wouldn't buy for myself that I really, really wish I would get as a gift. Many people don't "waste money" on themselves even for items they dream of having.
Forum: Other topics 05-01-2015, 08:47 AM
Replies: 31
Views: 964
Posted By Tadpole
We've used Tracfone for the last 10 years. We...

We've used Tracfone for the last 10 years. We dropped landline when we retired and moved in 2011 and now use my husband's Tracfone as our main phone. My phone is used to talk to relatives and as an...
Forum: Health and Early Retirement 04-26-2015, 05:40 PM
Replies: 5
Views: 733
Posted By Tadpole
I thought that assets with joint ownership were...

I thought that assets with joint ownership were not subject to probate. Also, retirement accounts with spouse beneficiaries declared.
Forum: Other topics 04-21-2015, 08:57 AM
Replies: 24
Views: 849
Posted By Tadpole
Chuckanut, you know that the rain is way under...

Chuckanut, you know that the rain is way under normal lately. Also, if water is so abundant, why is the cost for unmetered water in B'ham almost $100/mo ($195/2 mo.)at this point? (I understand when...
Forum: FIRE and Money 04-14-2015, 05:04 PM
Replies: 7
Views: 309
Posted By Tadpole
Well, $50K-taxes saved doesn't strike me as a...

Well, $50K-taxes saved doesn't strike me as a real big bet. Everyone should have a little overage to play investment casino with. That is of course unless $50K is a great percent of your net worth.
Forum: FIRE and Money 04-13-2015, 08:58 AM
Replies: 19
Views: 1,781
Posted By Tadpole
If you invest money in a retirement account...

If you invest money in a retirement account through the Fidelity Brokerage Link (example buy Vanguard Wellesley) does the money lose it's legal protection against law suit awards?
Forum: Health and Early Retirement 04-10-2015, 01:26 PM
Replies: 30
Views: 1,227
Posted By Tadpole
Question - I imagine that nursing homes, like...

Question - I imagine that nursing homes, like mortgages lenders, get a full view of one's finances. What prevents them from setting the price at a level that tries to extract as much as possible,...
Forum: Other topics 04-07-2015, 12:10 PM
Replies: 20
Views: 717
Posted By Tadpole
UMmmm, fortune as in future or fortune as in...

UMmmm, fortune as in future or fortune as in riches?
Forum: Other topics 04-01-2015, 08:28 AM
Replies: 53
Views: 1,477
Posted By Tadpole
Ah local news. All I can say is that when...

Ah local news. All I can say is that when "TrueTV" starts running a reality show on the competition between/daily life of two female news reporters in Greenville Mississippi ....
Forum: FIRE and Money 04-01-2015, 07:36 AM
Replies: 183
Views: 7,275
Posted By Tadpole
Does someone tipping 20%, in essence, help pay...

Does someone tipping 20%, in essence, help pay for the meal of someone not tipping or tipping 5%? (I guess I am wondering if high tippers keep prices down for low tippers.)
Forum: FIRE and Money 03-29-2015, 06:42 AM
Replies: 17
Views: 1,212
Posted By Tadpole
Are there any got-ya's like must take a credit...

Are there any got-ya's like must take a credit card or at least one direct deposit in a checking account each month? (I'm asking if you can just purchase CD products.)
Forum: Other topics 03-27-2015, 02:13 PM
Replies: 32
Views: 1,397
Posted By Tadpole
My space was always meant to accommodate my...

My space was always meant to accommodate my clutter. When I need more space, I find the clutter I don't care about anymore and get rid of it in one of my archives. Cleaning the house is a matter of...
Forum: Health and Early Retirement 03-27-2015, 02:02 PM
Replies: 39
Views: 2,040
Posted By Tadpole
Well, Hermit, I would imagine I have spent about...

Well, Hermit, I would imagine I have spent about 20 hours talking with Medicare in the past few months. Even so, there are still two me's and two Medicare B withdrawals, one from my pension check and...
Forum: Health and Early Retirement 03-27-2015, 09:30 AM
Replies: 39
Views: 2,040
Posted By Tadpole
The most important aspect of income or means...

The most important aspect of income or means tests is whether or not they are adjusted by some measure of wage increases or CPI-E. Also, as everyone knows, a test is just a way of decreasing benefits...
Forum: FIRE and Money 03-27-2015, 09:21 AM
Replies: 74
Views: 6,382
Posted By Tadpole
Your annual statement should have a section like...

Your annual statement should have a section like this:
http://www.ssa.gov/myaccount/SSA-7005-OL.pdf
Number (4) says that the effect of WEP is calculated at the time of your application for...
Forum: Other topics 03-26-2015, 08:28 AM
Replies: 35
Views: 1,462
Posted By Tadpole
The boomers will, inevitably, die. The world as...

The boomers will, inevitably, die. The world as they knew it will go poof. Nothing can exist without a boomer in it.
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