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Re: Annuities

Many thanks Taylor.
by CountryBoy
Wed Apr 16, 2014 9:12 am
 
Forum: Investing - Theory, News & General
Topic: Annuities
Replies: 59
Views: 3315

Re: Annuities

Taylor Larrimore: A single premium immediate annuity (SPIA) is one of the most simple investment products you can buy. You pay a one-time premium and receive a guaranteed income for life. Taylor thanks so much for joining in here. Your guidance is always greatly appreciated. What makes the decision...
by CountryBoy
Tue Apr 15, 2014 4:26 pm
 
Forum: Investing - Theory, News & General
Topic: Annuities
Replies: 59
Views: 3315

Re: Annuities

bluemarlin08, could you please clarify the meaning of the term "guarantees?'
by CountryBoy
Mon Apr 14, 2014 9:14 pm
 
Forum: Investing - Theory, News & General
Topic: Annuities
Replies: 59
Views: 3315

Re: Annuities

I believe I will have to do a lot of study of the material that people have offered here; for which many thanks.

But as of the moment, the complexity of the product together with the learning curve required cause me to back off.

Thank you.
by CountryBoy
Mon Apr 14, 2014 9:09 pm
 
Forum: Investing - Theory, News & General
Topic: Annuities
Replies: 59
Views: 3315

Re: Annuities

My thanks to everyone for their time and guidance.
by CountryBoy
Sun Apr 13, 2014 9:27 pm
 
Forum: Investing - Theory, News & General
Topic: Annuities
Replies: 59
Views: 3315

Re: Annuities

Ron
Thank you.
by CountryBoy
Sat Apr 12, 2014 7:00 am
 
Forum: Investing - Theory, News & General
Topic: Annuities
Replies: 59
Views: 3315

Re: Annuities

In the words of Donald Rumsfeld, there are:

- the known known
-the known unknown
-and the unknown unknown

And in this area of SPIAs, I sense the unknown unknown can come back to haunt me. Am I right?
by CountryBoy
Fri Apr 11, 2014 9:06 pm
 
Forum: Investing - Theory, News & General
Topic: Annuities
Replies: 59
Views: 3315

Re: Annuities

gordon2, Thank you very much for your guidance; truly grateful. Must confess total ignorance as to what is meant by your using "stochastic dynamic programming" but it sounds powerful. What interest rates should I wait for before investing; or is it possible that by "that point" w...
by CountryBoy
Fri Apr 11, 2014 8:16 pm
 
Forum: Investing - Theory, News & General
Topic: Annuities
Replies: 59
Views: 3315

Re: Annuities

Professor Emeritus: " A sensible consumer compares items of similar risk on price." Your instructions sound wise however the more I learn about SPIAS in terms of structures and payouts from comments above and elsewhere, the more challenging it is to follow through on in a truly informed a...
by CountryBoy
Fri Apr 11, 2014 5:03 pm
 
Forum: Investing - Theory, News & General
Topic: Annuities
Replies: 59
Views: 3315

Re: Annuities

PJW
the most crucial action is to do nothing

Love that advice; very grateful for same. I am good at that.
by CountryBoy
Thu Apr 10, 2014 10:09 pm
 
Forum: Investing - Theory, News & General
Topic: Annuities
Replies: 59
Views: 3315

Re: Annuities

Yes LadyGeek I have been reading and reviewing it and find it very helpful.

You and it are always very helpful and greatly appreciated.
by CountryBoy
Thu Apr 10, 2014 10:00 pm
 
Forum: Investing - Theory, News & General
Topic: Annuities
Replies: 59
Views: 3315

Re: Annuities

Phineas J. Whoopee, thank you very much for your crucial and necessary clarifications; most appreciated. One thing I am cautious about in making this decision is the viability of the insurance company, whichever that is. Way back in 2008, AIG was considered a strong global insurance company. In retr...
by CountryBoy
Thu Apr 10, 2014 9:36 pm
 
Forum: Investing - Theory, News & General
Topic: Annuities
Replies: 59
Views: 3315

Re: Annuities

dhodson If interest rates remain low then that is actually more compelling to purchase now. Could you clarify that for me? Some people say just the opposite. I am sure you are both correct but I am confused. See FrugalAl Postby Frugal Al » Thu Apr 10, 2014 5:04 pm They are just a tool. If used prop...
by CountryBoy
Thu Apr 10, 2014 8:55 pm
 
Forum: Investing - Theory, News & General
Topic: Annuities
Replies: 59
Views: 3315

Re: Annuities

Thank you, everyone. Greatly appreciated.

Sounds to me as if in this low interest rate environment, I am a bit late to the party. Also, it seems as if interest rates will continue low for a few years yet. So maybe annuities aren't so attractive for me right now.
by CountryBoy
Thu Apr 10, 2014 8:30 pm
 
Forum: Investing - Theory, News & General
Topic: Annuities
Replies: 59
Views: 3315

Re: Annuities

Sounds as if it will take a careful balancing and planning re the different parts of the portfolio:
FinancialDave
guaranteed income (SS, pensions, immediate annuities) and other investment income such as bonds and stocks.
by CountryBoy
Thu Apr 10, 2014 5:07 pm
 
Forum: Investing - Theory, News & General
Topic: Annuities
Replies: 59
Views: 3315

Annuities

It is my understanding that many on this Forum do not view annuities favorably. Am I correct? It is also my understanding that Jonathan Clements and Jason Zweig are two very much respected individuals on this Forum. In a recent WeatlhTrack program the two men spoke very positively re immediate incom...
by CountryBoy
Thu Apr 10, 2014 1:26 pm
 
Forum: Investing - Theory, News & General
Topic: Annuities
Replies: 59
Views: 3315

Re: Advanced Car Buying Techniques

grok87

thanks for the comment.
by CountryBoy
Sun Mar 30, 2014 8:23 am
 
Forum: Personal Consumer Issues
Topic: Advanced Car Buying Techniques
Replies: 16
Views: 2049

Re: Is there Software for one's car maintenance schedule

Many thanks for the feedback; am glad to know it was of some use.
by CountryBoy
Sat Mar 29, 2014 9:44 pm
 
Forum: Personal Consumer Issues
Topic: Is there Software for one's car maintenance schedule
Replies: 49
Views: 2999

Re: Advanced Car Buying Techniques

Your Honda is likely far better on emissions than the Camry however.
I did not know that. I hope you are correct.

Thank you very much for your approval. Boglehead approval after a job well done to Bogleheads high standards is not easy. I always feel relieved when I live up to it.

Thank you.
by CountryBoy
Sat Mar 29, 2014 11:32 am
 
Forum: Personal Consumer Issues
Topic: Advanced Car Buying Techniques
Replies: 16
Views: 2049

Re: Advanced Car Buying Techniques

OK, here is what finally happened, in case you are still following this. Anyone out there? Everyone went home? Today, I bought a Honda Accord Lx, cvt, 4 dr. sedan, white, for $22,377.81. I did an extensive (obsessive/compulsive? :D) search of dealerships far and wide and found that this price was ex...
by CountryBoy
Fri Mar 28, 2014 8:45 pm
 
Forum: Personal Consumer Issues
Topic: Advanced Car Buying Techniques
Replies: 16
Views: 2049

Re: Advanced Car Buying Techniques

always nice to hear of happy endings....
by CountryBoy
Fri Mar 28, 2014 8:29 am
 
Forum: Personal Consumer Issues
Topic: Advanced Car Buying Techniques
Replies: 16
Views: 2049

Re: Advanced Car Buying Techniques

and it probably worked out beautifully.........but i am not so sure about the pricing of it.
by CountryBoy
Sun Mar 23, 2014 3:54 pm
 
Forum: Personal Consumer Issues
Topic: Advanced Car Buying Techniques
Replies: 16
Views: 2049

Re: Advanced Car Buying Techniques

Many thanks to kenschmidt and everyone...learning lots.
by CountryBoy
Sun Mar 23, 2014 1:48 pm
 
Forum: Personal Consumer Issues
Topic: Advanced Car Buying Techniques
Replies: 16
Views: 2049

Advanced Car Buying Techniques

Advanced Car Buying Techniques A good Boglehead is never reluctant to do the detail work in preparation for a decision. I am in a detail phase in my process right now for buying a 2014 Honda Accord LX/cvt in white. I have contacted all the dealers far and wide re: the Out the Door price. Now comes t...
by CountryBoy
Sun Mar 23, 2014 11:26 am
 
Forum: Personal Consumer Issues
Topic: Advanced Car Buying Techniques
Replies: 16
Views: 2049

Re: Yahoo Mail

Steelersfan

Many thanks for the explanation.
I use gmail as my regular email account and I like that better.
So say I.
by CountryBoy
Fri Mar 21, 2014 2:40 pm
 
Forum: Personal Consumer Issues
Topic: Yahoo Mail
Replies: 10
Views: 770

Re: Yahoo Mail

Well, my email account is up and running after a 5 hr. down time.

Will leave this thread up with the thought it may be of interest to others.

I wonder if gmail and hotmail have the same problem and for how long?
by CountryBoy
Fri Mar 21, 2014 1:24 pm
 
Forum: Personal Consumer Issues
Topic: Yahoo Mail
Replies: 10
Views: 770

Re: Yahoo Mail

I found this: I cannot open my mail , what is going on with YA? Message said it was temporary.? looked up help page and told it was Error 8 but can correct in minutes or longer , that was 7 hours ago help . Denis C answered 50 mins ago Why is yahoo email so useless? Frankie Bananas answered 42 mins ...
by CountryBoy
Fri Mar 21, 2014 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Yahoo Mail
Replies: 10
Views: 770

Re: Yahoo Mail

"Your call is important to us.........please hold on..............and on .............we are unable to help you now; please call back at a later time. thank you."
by CountryBoy
Fri Mar 21, 2014 12:29 pm
 
Forum: Personal Consumer Issues
Topic: Yahoo Mail
Replies: 10
Views: 770

Yahoo Mail

Yahoo Mail Problem I have more than one Yahoo email address. When I access one account, I get through, but the other one today is getting this response for the last 4 hours; what is up? We're experiencing some technical difficulties... We're sorry, but Yahoo Mail can't load due to a temporary error....
by CountryBoy
Fri Mar 21, 2014 11:59 am
 
Forum: Personal Consumer Issues
Topic: Yahoo Mail
Replies: 10
Views: 770

Re: Cedar Plank Siding

Do not ever underestimate the power and perseverance of a Pileated woodpecker.

They can fly away and come back another day; you can not.

Seriously.
by CountryBoy
Thu Mar 20, 2014 10:40 pm
 
Forum: Personal Consumer Issues
Topic: Cedar Plank Siding
Replies: 14
Views: 988

Re: Out the door price for new car

Very grateful for people's responses.....
by CountryBoy
Thu Mar 20, 2014 8:07 pm
 
Forum: Personal Consumer Issues
Topic: Out the door price for new car
Replies: 30
Views: 2443

Re: Out the door price for new car

FWIW,

My wife bought a 2013 Nissan Altima with CVT and for the past 9 mos. it has been great.............so far.

I did not realize that Nissan was behind the CVT.
by CountryBoy
Wed Mar 19, 2014 10:54 pm
 
Forum: Personal Consumer Issues
Topic: Out the door price for new car
Replies: 30
Views: 2443

Re: Out the door price for new car

When negotiating you always need to be willing to politely walk


and that to my mind is the most critical point of the whole process.

I mean genuine willing and able to walk away. That is so critical.
by CountryBoy
Wed Mar 19, 2014 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Out the door price for new car
Replies: 30
Views: 2443

Re: Out the door price for new car

scouter i agree with your summary. by way of an update, after the test drive of the civic-cvt yesterday i believe i will be moving up to an Accord LX CVT. Note, my wife has a 2013 Nissan Altima CVT and it is fine. But that 2014 civic-cvt yesterday was slow and mushy on the acceleration beyond belief...
by CountryBoy
Wed Mar 19, 2014 2:28 pm
 
Forum: Personal Consumer Issues
Topic: Out the door price for new car
Replies: 30
Views: 2443

Re: Out the door price for new car

at least they are being wonderfully honest.........
by CountryBoy
Tue Mar 18, 2014 8:32 pm
 
Forum: Personal Consumer Issues
Topic: Out the door price for new car
Replies: 30
Views: 2443

Re: Out the door price for new car

Note: I changed DMV to Dept. of Motor Vehicle in the OP for reasons of clarity. Also, since this dealership will match any valid offer what is to stop me from emailing through out the continental USA for the best "valid offer." If they come back and qualify it to say, well, they were meani...
by CountryBoy
Tue Mar 18, 2014 5:59 pm
 
Forum: Personal Consumer Issues
Topic: Out the door price for new car
Replies: 30
Views: 2443

Re: Out the door price for new car

One time I bought a car, I told the dealer I did not want to pay for his "documentation". He told me that fee was not negotiable, but he reduced the price of the car further to accommodate me.Jeff Jeff, that is my sense of the pricing as well. He said he would match ANY valid price so I a...
by CountryBoy
Tue Mar 18, 2014 3:08 pm
 
Forum: Personal Consumer Issues
Topic: Out the door price for new car
Replies: 30
Views: 2443

Out the door price for new car

So I was at a dealership today and took a test drive in a 2014 Honda Civic. He gave me a vehicle price of $20,400 and then we discussed the Out the Door price. It looks like this: $20,400 plus $1504 New York State tax $ 197 Dept. of Motor Vehicle / New York State plates, inspection. And I am using m...
by CountryBoy
Tue Mar 18, 2014 1:46 pm
 
Forum: Personal Consumer Issues
Topic: Out the door price for new car
Replies: 30
Views: 2443

Re: Is there Software for one's car maintenance schedule

dratkinson After some thought, I have come to the conclusion that I need to move on to a Honda Civic because: 1-I do not have the DIY skills to make long term car maintenance cost effective 2-Living in the winters of the Northeast is brutal on cars of any age, especially older ones; especially this ...
by CountryBoy
Sat Mar 15, 2014 8:00 pm
 
Forum: Personal Consumer Issues
Topic: Is there Software for one's car maintenance schedule
Replies: 49
Views: 2999

Re: Is there Software for one's car maintenance schedule

dratkinson Yes, I am serious. Thank you very much for taking the time and helping me to see the question more logically and with the dollar figures. I would not have been able to do it myself and what you have done is to lift the fog and greatly facilitate the decision making process. You are extrem...
by CountryBoy
Fri Mar 14, 2014 9:59 pm
 
Forum: Personal Consumer Issues
Topic: Is there Software for one's car maintenance schedule
Replies: 49
Views: 2999

Re: Is there Software for one's car maintenance schedule

Could you tell me what you would consider to be a sensible dollar amount for : "2-3 years of car payments"? Let's say the car I was buying was a 2014 Honda Civic @ $23000.

I ask because I always buy and hold a car for a long time and have never bought with payments.
by CountryBoy
Fri Mar 14, 2014 5:07 pm
 
Forum: Personal Consumer Issues
Topic: Is there Software for one's car maintenance schedule
Replies: 49
Views: 2999

Re: Is there Software for one's car maintenance schedule

snowman Thanks so much for your speedy and comprehensive response. Yes, I put about 10k on it a year and the next car I get will be The Last One, so I would like a bit of piece of mind with it. Living one hour north of NYC the weather is not easy on any type of car, esp. this year. I believe the key...
by CountryBoy
Fri Mar 14, 2014 2:55 pm
 
Forum: Personal Consumer Issues
Topic: Is there Software for one's car maintenance schedule
Replies: 49
Views: 2999

Re: Is there Software for one's car maintenance schedule

snowman Thank you very much for your thoughtful response and your summation of the situation being: You have 2 categories: ongoing maintenance, and problem fixes. I like and prefer simple at all times so thanks for simplifying. Since I am a 73 yr. old guy, with no DIY car know how, with a 15 yr. old...
by CountryBoy
Fri Mar 14, 2014 1:02 pm
 
Forum: Personal Consumer Issues
Topic: Is there Software for one's car maintenance schedule
Replies: 49
Views: 2999

Re: Is there Software for one's car maintenance schedule

I believe I am fortunate in having a very reliable mechanic. However, the fact that he both identifies and then fixes problems that I can never see leaves me believing that this is a truly faith based relationship of terrifying proportions. A good example, of a long list, is that just recently the p...
by CountryBoy
Fri Mar 14, 2014 10:11 am
 
Forum: Personal Consumer Issues
Topic: Is there Software for one's car maintenance schedule
Replies: 49
Views: 2999

Re: Is there Software for one's car maintenance schedule

All you have to do is to read your owners manual which comes in the glove compartment of your new car. That tells you the intervals that maintenance is required. If the dealership deviates from that, you ask them to show you why additional service is requires (leaking fluid, etc.). Again, the maint...
by CountryBoy
Thu Mar 13, 2014 6:09 pm
 
Forum: Personal Consumer Issues
Topic: Is there Software for one's car maintenance schedule
Replies: 49
Views: 2999

Re: Is there Software for one's car maintenance schedule

It is always good to hear good news.
by CountryBoy
Tue Mar 11, 2014 9:42 pm
 
Forum: Personal Consumer Issues
Topic: Is there Software for one's car maintenance schedule
Replies: 49
Views: 2999

Re: Is there Software for one's car maintenance schedule

surfstar
Being an informed consumer when it comes to vehicle maintenance is a great way to save money.


I agree, But that is not easy since the manual does not cover all items like fuel filter, PVC valve, etc.
by CountryBoy
Tue Mar 11, 2014 5:58 pm
 
Forum: Personal Consumer Issues
Topic: Is there Software for one's car maintenance schedule
Replies: 49
Views: 2999

Re: Is there Software for one's car maintenance schedule

Maintenance schedules are nice but I am finding that keeping a car a long time requires more maintenance than is simply listed on the schedule. So, costs mount due to different causes. By having a preventative maintenance schedule hopefully I can prevent the car becoming a financial sink hole. I am ...
by CountryBoy
Tue Mar 11, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Is there Software for one's car maintenance schedule
Replies: 49
Views: 2999

Re: Is there Software for one's car maintenance schedule

widestance

congratulations; glad it worked for you.

i signed up and came up with zilch.............
by CountryBoy
Sun Mar 09, 2014 9:36 pm
 
Forum: Personal Consumer Issues
Topic: Is there Software for one's car maintenance schedule
Replies: 49
Views: 2999
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