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Forum: Health and Early Retirement Today, 09:57 PM
Replies: 12
Views: 469
Posted By pb4uski
Yes, $742.38 per month for two for a HDHP bronze...

Yes, $742.38 per month for two for a HDHP bronze plan. ;D

Vs ~$629 a month currently for a HDHP.

http://www.dfr.vermont.gov/sites/default/files/Filed%20QHP%20rates.pdf
Forum: Health and Early Retirement Today, 01:56 PM
Replies: 12
Views: 469
Posted By pb4uski
If you're now paying $1,000 and you pay $1,600...

If you're now paying $1,000 and you pay $1,600 next year shouldn't the "additional premium" be $7,200 a year rather than $13,000? Not that $7,200 a year is inconsequential, but I'm just trying to...
Forum: FIRE and Money Today, 10:09 AM
Replies: 85
Views: 2,434
Posted By pb4uski
That is why it is so important to look at cash...

That is why it is so important to look at cash flows - cash flows don't lie.

I suspect in the case of the product you are looking at the 2.7% is applied to the higher of the annuity base amount...
Forum: FIRE and Money Today, 07:12 AM
Replies: 52
Views: 1,988
Posted By pb4uski
My parents could afford to pay for our college...

My parents could afford to pay for our college and they viewed their obligation as providing us with a college education if we chose to do it and then it was up to us. As I recall, I had an...
Forum: FIRE and Money Yesterday, 07:21 PM
Replies: 85
Views: 2,434
Posted By pb4uski
Your post didn't mention any residual value, just...

Your post didn't mention any residual value, just the 5.25% for your joint life so I didn't include any residual value. However, even if there were some residual value given the effect of...
Forum: Life after FIRE Yesterday, 05:09 PM
Replies: 39
Views: 1,040
Posted By pb4uski
I signaled that I would be retiring about 5 years...

I signaled that I would be retiring about 5 years out. One morning at breakfast with my boss (who I had a great relationship with) shortly after I turned 50 he casually asked me what I was thinking...
Forum: Hi, I am... 05-16-2013, 06:30 PM
Replies: 17
Views: 814
Posted By pb4uski
Congratulations. You seem well prepared. I'm...

Congratulations. You seem well prepared. I'm less pessimistic than you are on SS, but it will be gravy for you if I am right.
Forum: FIRE and Money 05-16-2013, 06:17 PM
Replies: 85
Views: 2,434
Posted By pb4uski
If I understand your situation, you would make a...

If I understand your situation, you would make a single premium and then in 10 years receive 10.50% of your single premium each year for life (5.25% * the doubled annuity value).

By my...
Forum: FIRE and Money 05-15-2013, 06:40 PM
Replies: 85
Views: 2,434
Posted By pb4uski
If it were me, I would look at the prospective...

If it were me, I would look at the prospective cash flows under a handful of reasonable scenarios after all fees, etc. IOW what you pay out and what you receive in as benefits under each scenario...
Forum: FIRE and Money 05-15-2013, 05:37 PM
Replies: 85
Views: 2,434
Posted By pb4uski
Go back to post #1. Asked and answered. Even...

Go back to post #1. Asked and answered. Even though I am retired, I'm not about to do your due diligence for you. Are you a troll?

There are loads of articles on VAs out there. Google...
Forum: FIRE and Money 05-15-2013, 01:23 PM
Replies: 42
Views: 2,215
Posted By pb4uski
Got it. So presuming that the new crap has a...

Got it. So presuming that the new crap has a different maturity, the Bulletshare fund would get called on the old bond, be unable to buy the new crap and the fund shareholders would get their...
Forum: Health and Early Retirement 05-15-2013, 01:04 PM
Replies: 31
Views: 854
Posted By pb4uski
The model in the picture in the article has a...

The model in the picture in the article has a nice waist. I hope she is taller than 5'4"!

I was relaying this new less than 50% ratio to DW (who is a registered dietitian) and gave a bit of a...
Forum: FIRE and Money 05-15-2013, 12:54 PM
Replies: 43
Views: 1,963
Posted By pb4uski
My prior response above was based on an...

My prior response above was based on an assumption that you wanted to be in the market (stocks) and your trepidation was process/timing.

Since it is long term money and you don't think you'll ever...
Forum: FIRE and Money 05-15-2013, 11:47 AM
Replies: 43
Views: 1,963
Posted By pb4uski
Hindsight is 20/20, so stop beating yourself up. ...

Hindsight is 20/20, so stop beating yourself up. I would suggest that you value average in $15,000 a month. Put in $15,000 today. A month from now add as needed to get your balance to $30,000. ...
Forum: FIRE and Money 05-15-2013, 11:42 AM
Replies: 22
Views: 1,462
Posted By pb4uski
Similar here for DD wedding as well as DS's...

Similar here for DD wedding as well as DS's college. I have it built into my plan even though I think it probably won't happen. If it does happen I will be happy and poorer but still fine. ...
Forum: FIRE and Money 05-15-2013, 11:30 AM
Replies: 42
Views: 2,215
Posted By pb4uski
hAt this point I've backburnered the CD idea. I...

hAt this point I've backburnered the CD idea. I don't care for the hassle of setting up multiple IRAs at different banks to keep under the FDIC limit to get ~1.8% and the 1.2% brokerage CD available...
Forum: FIRE and Money 05-15-2013, 10:45 AM
Replies: 85
Views: 2,434
Posted By pb4uski
A couple things to consider. Doubling your money...

A couple things to consider. Doubling your money over 10 years is 7.2%, not 10%. Not sure what your age is but I assumed that you and DW were 60 and the annuity payments would start at 70. The...
Forum: Hi, I am... 05-15-2013, 10:30 AM
Replies: 5
Views: 253
Posted By pb4uski
+1

+1
Forum: FIRE and Money 05-15-2013, 10:25 AM
Replies: 22
Views: 1,462
Posted By pb4uski
I agree that blaming "the market" is a fallacy...

I agree that blaming "the market" is a fallacy unless one panicked and sold and have been in fixed income since (which many people did even though it violated their AA assuming they have one).
...
Forum: Stock Picking (Individual Security Analysis) 05-15-2013, 07:10 AM
Replies: 8
Views: 343
Posted By pb4uski
+1 it is usually payable to shareholders of...

+1 it is usually payable to shareholders of record on a stated date. If you own the shares on that stated date (close of business I suspect) then you would receive the dividend.
Forum: FIRE and Money 05-15-2013, 07:07 AM
Replies: 32
Views: 941
Posted By pb4uski
I think you are right. From what I can tell, my...

I think you are right. From what I can tell, my former employer seems to have had a stable value fund available in their 401k at one time but no longer offers one.
Forum: FIRE and Money 05-15-2013, 05:39 AM
Replies: 23
Views: 710
Posted By pb4uski
If I bought a book I would expect to be able to...

If I bought a book I would expect to be able to continue to read it indefinitely. However, if it became outdated and I wanted the most current version, I would expect to have to buy the new version....
Forum: FIRE and Money 05-15-2013, 05:31 AM
Replies: 52
Views: 2,392
Posted By pb4uski
There are actually accounting standards for...

There are actually accounting standards for personal financial statements but it is a fairly narrow area of practice that doesn't get a lot of attention. Some annuities would be included as assets...
Forum: FIRE and Money 05-15-2013, 05:11 AM
Replies: 85
Views: 2,434
Posted By pb4uski
The main problem that I have with VAs are high...

The main problem that I have with VAs are high fees. As you may know from mutual funds, expenses matter; and the same principal applies to VAs.
Forum: FIRE and Money 05-14-2013, 07:56 PM
Replies: 30
Views: 1,261
Posted By pb4uski
Did I say any thing about blaming anyone? And I...

Did I say any thing about blaming anyone? And I didn't say anything about blaming the inspector. Learn to read for chrissakes. All I said is that it might be covered under the contractor's...
Showing results 1 to 25 of 3704
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