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Search: Posts Made By: nun
Forum: FIRE and Money Yesterday, 07:38 PM
Replies: 41
Views: 983
Posted By nun
I'm now using TIAA-Traditional as my "stable...

I'm now using TIAA-Traditional as my "stable value" fund. I treat it like a 10 year CD. I can get at the money over a period of 10 years in 10 equal installments and it's returning 4.5% with a...
Forum: FIRE and Money Yesterday, 03:43 PM
Replies: 41
Views: 983
Posted By nun
Yes I agree....the video makes no distinction...

Yes I agree....the video makes no distinction between types of annuities and the circumstance when they might be purchased. I'd always avoid variable annuities though.
Forum: FIRE and Money Yesterday, 03:32 PM
Replies: 41
Views: 983
Posted By nun
Wouldn't using some of that cash to buy an SPIA...

Wouldn't using some of that cash to buy an SPIA be better than leaving it in the mattress?
Forum: FIRE and Money Yesterday, 03:31 PM
Replies: 41
Views: 983
Posted By nun
I agree. I have a state pension and SS as well as...

I agree. I have a state pension and SS as well as my TIAA-Traditional so all my income needs are covered by things other than market investments so I won't be buying an SPIA either. But would those...
Forum: FIRE and Money Yesterday, 11:29 AM
Replies: 41
Views: 983
Posted By nun
But would you buy it if you could? I wonder if...

But would you buy it if you could? I wonder if the traditional idea of a diverse portfolio of cash stocks and bonds is diverse enough. People often say that SS is their retirement annuity so for us...
Forum: FIRE and Money Yesterday, 11:28 AM
Replies: 41
Views: 983
Posted By nun
Diversity is good to have. If you'd seen negative...

Diversity is good to have. If you'd seen negative returns from the stock market for the 5 years to 2020 the SPIA at 3% would look good. Anyway 3% is the minimum, current rate is 4.5%.
Forum: FIRE and Money Yesterday, 11:10 AM
Replies: 41
Views: 983
Posted By nun
The product I was describing is TIAA Traditional...

The product I was describing is TIAA Traditional fixed deferred annuity. I'm currently getting 4.5%. I use it as part of my fixed income allocation, but it has the advantage that it won't fall in...
Forum: FIRE and Money Yesterday, 09:14 AM
Replies: 41
Views: 983
Posted By nun
What does "too low" mean? SPIAs certainly don't...

What does "too low" mean? SPIAs certainly don't have the potential to match stocks in a bull market....unless you fall for the variable annuity sales pitch. SPIAs should be considered for reasons...
Forum: FIRE and Money Yesterday, 08:45 AM
Replies: 41
Views: 983
Posted By nun
Owning TIAA-Traditional guarantees me a minimum...

Owning TIAA-Traditional guarantees me a minimum of 3% return every year and its usually above 4%......so along with SS etc that is my annuity. Owning TIAA-Traditional for the past 30 years probably...
Forum: FIRE and Money Yesterday, 08:03 AM
Replies: 41
Views: 983
Posted By nun
SPIAs and Market Corrections.

We all have our own individual investing styles and philosophies, but I'd be interested to learn if the recent market correction has made anyone think about adding an SPIA (or a deferred annuity if...
Forum: Health and Early Retirement 08-26-2015, 08:58 PM
Replies: 8
Views: 321
Posted By nun
I'm 11 years from Medicare so I have plenty of...

I'm 11 years from Medicare so I have plenty of time to study, but I've already looked at the plans available to me through my ex-employer and I'd buy a comprehensive plan to supplement Parts A and B...
Forum: Stock Picking and Market Strategy 08-26-2015, 12:48 PM
Replies: 21
Views: 1,420
Posted By nun
My funds haven't declared capital gains...

My funds haven't declared capital gains distributions for quite a few years. The dividends I get I just reinvest as I don't use my equity investments for income
Forum: Health and Early Retirement 08-26-2015, 08:27 AM
Replies: 8
Views: 321
Posted By nun
I agree. The number of options is confusing and...

I agree. The number of options is confusing and it's really difficult to come up with good comparisons and know exactly what's covered.
Forum: FIRE and Money 08-26-2015, 06:53 AM
Replies: 10
Views: 867
Posted By nun
Not really as I intend to reinvest all the...

Not really as I intend to reinvest all the distributions and not touch my Wellesley for more than 10 years.
Forum: FIRE and Money 08-26-2015, 06:47 AM
Replies: 11
Views: 571
Posted By nun
My only criterion for buying or selling is when I...

My only criterion for buying or selling is when I have to rebalance. I did some of that the day before yesterday by selling some Intermediate Investment Grade Bond fund and buying some Total Stock...
Forum: Health and Early Retirement 08-26-2015, 06:39 AM
Replies: 8
Views: 321
Posted By nun
This is an informative video, but underlines to...

This is an informative video, but underlines to me just how complicated US health insurance has become. I remember when my mum retired in the UK....she didin't even think about her health insurance...
Forum: Health and Early Retirement 08-25-2015, 10:37 PM
Replies: 2
Views: 223
Posted By nun
I've got around $5k from some self-employment...

I've got around $5k from some self-employment income so I can put that in a TIRA and I'll be well below the 133% FPL. I wanted to make sure TIRAs counted before I went to the trouble of opening up an...
Forum: Health and Early Retirement 08-25-2015, 09:42 PM
Replies: 2
Views: 223
Posted By nun
Calculating MAGI

My income on line 22 of next year's 1040 looks as if it will be close to 133% of the FPL. Can someone confirm that if I make a Traditional IRA contribution it will be deducted from the value on line...
Forum: Health and Early Retirement 08-25-2015, 01:33 PM
Replies: 0
Views: 111
Posted By nun
Massachusetts Premium Assistance

I pay for retiree insurance from an ex-employer. My income is below the Federal Poverty Level and so I qualify for premium assistance from MA. This isn't the federal Premium Tax Credit because I...
Forum: Other topics 08-25-2015, 12:13 PM
Replies: 24
Views: 1,069
Posted By nun
A job that you enjoy with good people is very...

A job that you enjoy with good people is very rewarding. I think we sometimes don't realize that close working relationships are important to us until we lose them. Losing them to an early death can...
Forum: Life after FIRE 08-25-2015, 08:39 AM
Replies: 21
Views: 1,274
Posted By nun
I'll keep it on a project level......no...

I'll keep it on a project level......no personalities as they are usually well known within a company without me running anyone down.
Forum: Life after FIRE 08-25-2015, 07:49 AM
Replies: 21
Views: 1,274
Posted By nun
Just to close this out, I got offered the job....

Just to close this out, I got offered the job. Nice salary too, but nothing could really tempt me to accept, so I told them "thanks, but no thanks".....or words to that effect.

PS. I got an email...
Forum: FIRE and Money 08-24-2015, 07:06 PM
Replies: 104
Views: 4,812
Posted By nun
I'm doing what I always do, rebalance to my AA so...

I'm doing what I always do, rebalance to my AA so today I sold some bond index funds and bought some US equity index.
Forum: FIRE and Money 08-24-2015, 10:56 AM
Replies: 104
Views: 4,812
Posted By nun
If people follow the pretty simple principles of...

If people follow the pretty simple principles of the Bogleheads this correction should hold no fears. Personally I have enough in savings and rental income for the next year at which point my pension...
Forum: FIRE and Money 08-24-2015, 08:13 AM
Replies: 104
Views: 4,812
Posted By nun
As I don't use my stock and bond investments for...

As I don't use my stock and bond investments for income I just do my usual rebalancing whatever the situation.

At times like these living off pensions, annuities, SS or rent makes it easy to sit...
Showing results 1 to 25 of 3663

 
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