Search found 353 matches

by Fat-Tailed Contagion
Sat Aug 01, 2015 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: (Updated) To Rollover or To Annuitize? - Ohio STRS Defined Contribution Plan
Replies: 19
Views: 980

Re: (Updated) To Rollover or To Annuitize? - Ohio STRS Defined Contribution Plan

The worst option is the 33.3% joint life with an IRR of only 2.7%, while the best one is the 100% joint life 15 year guarantee with an IRR of 4.8%. If you and your wife are in average health or better, it would be hard -- without taking on more risk -- to earn a better return on the lump sum than t...
by Fat-Tailed Contagion
Sat Aug 01, 2015 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: (Updated) To Rollover or To Annuitize? - Ohio STRS Defined Contribution Plan
Replies: 19
Views: 980

Re: (Updated) To Rollover or To Annuitize? - Ohio STRS Defined Contribution Plan

Here is the annuity info you requested, I also added it to original post. Thank you! Estimate based on: Retirement Date: 09/2015 Balance: $235,982 Date of Birth: xx/1948 Avg. Rate of Return: 0% Annuity Factor: 12.6689 Annuity Rate Effective: 01/01/2015 I. Single Life Annuity = $1,552 II. 1a. Joint &...
by Fat-Tailed Contagion
Sat Aug 01, 2015 9:07 am
Forum: Investing - Help with Personal Investments
Topic: (Updated) To Rollover or To Annuitize? - Ohio STRS Defined Contribution Plan
Replies: 19
Views: 980

Re: (Updated) To Rollover or To Annuitize? - Ohio STRS Defined Contribution Plan

Thank you #cruncher for the great explanation, I understand.

We will call to get more accurate quote estimates of the various annuity options they offer vs. the Rollver option (where we miss out on the $10k in Sick Pay income) and repost.

I greatly appreciate all of the help!
by Fat-Tailed Contagion
Fri Jul 31, 2015 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: (Updated) To Rollover or To Annuitize? - Ohio STRS Defined Contribution Plan
Replies: 19
Views: 980

Re: (Updated) To Rollover or To Annuitize? - Ohio STRS Defined Contribution

I suggest you look at the annuity options before deciding whether to take the lump sum. If you can't get the options otherwise, go to the Service Retirement Calculator on the STRS site you referenced. Choose the Joint and Survivor option with one beneficiary and you should get a list of several opt...
by Fat-Tailed Contagion
Fri Jul 31, 2015 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help - Water Softener and Drinking Water Problem
Replies: 5
Views: 355

Re: Need Help - Water Softener and Drinking Water Problem

Thank you all for the input!

It seems a lot of folks have used http://ohiopurewater.com/shop/customer/home.php

Can anyone with this experience share what they purchased and installed and what the upfront and on-going costs were/are?

Thank you!
by Fat-Tailed Contagion
Fri Jul 31, 2015 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Need Help - Water Softener and Drinking Water Problem
Replies: 5
Views: 355

Need Help - Water Softener and Drinking Water Problem

Hi Bogleheads, Any help here is greatly appreciated! We just (2-3 weeks ago) had a Kinetico water softener and Reverse Osmosis system installed in our house in the SW Florida area. After doing some additional research, I'm not sure that we chose the correct option. Issues 1. Cost of the system is hi...
by Fat-Tailed Contagion
Thu Jul 30, 2015 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: (Updated) To Rollover or To Annuitize? - Ohio STRS Defined Contribution Plan
Replies: 19
Views: 980

Re: (Updated) To Rollover or To Annuitize? - Ohio STRS Defined Contribution

Also, is there some kind of COLA given with the pension? I suspect the value of the pension is greatly increased with COLA and Joint&Survivor options. I can't imagine a female spouse (younger, especially) signing off on giving away the opportunity for continuing the pension at some level after ...
by Fat-Tailed Contagion
Thu Jul 30, 2015 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: (Updated) To Rollover or To Annuitize? - Ohio STRS Defined Contribution Plan
Replies: 19
Views: 980

Re: To Rollover or To Annuitize? - Ohio STRS Defined Contribution

Thank you #cruncher! We found out that the only benefit to annuitizing as a Pension is the $10,000 Sick Leave payout (this year as taxable income). So we are trying to figure out if the $10,000 income payout is worth taking the annuity that we did not originally plan to do. Our original plan was to ...
by Fat-Tailed Contagion
Thu Jul 30, 2015 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: (Updated) To Rollover or To Annuitize? - Ohio STRS Defined Contribution Plan
Replies: 19
Views: 980

Re: To Rollover or To Annuitize? - Ohio STRS Defined Contribution

I updated the original info as it unfolds with more accuracy and detail. Thank you all for the help! There is usually an option to cover spouse at various rates (100%, 50%, etc.). Is this offered and do you have the need to cover spouse? If so, is there a bounce-back to full pension if spouse dies?...
by Fat-Tailed Contagion
Thu Jul 30, 2015 10:04 am
Forum: Investing - Help with Personal Investments
Topic: (Updated) To Rollover or To Annuitize? - Ohio STRS Defined Contribution Plan
Replies: 19
Views: 980

Re: To Rollover or To Annuitize? - Ohio STRS Defined Contribution

Thank you for replies.

Updated with some more information as this process unfolds.
by Fat-Tailed Contagion
Wed Jul 29, 2015 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: (Updated) To Rollover or To Annuitize? - Ohio STRS Defined Contribution Plan
Replies: 19
Views: 980

Re: To Rollover or To Annuitize? - Ohio STRS Defined Contribution

Yes, had the 1 on 1 and the rep was not very helpful.

Any other input is greatly appreciated!
by Fat-Tailed Contagion
Wed Jul 29, 2015 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: (Updated) To Rollover or To Annuitize? - Ohio STRS Defined Contribution Plan
Replies: 19
Views: 980

(Updated) To Rollover or To Annuitize? - Ohio STRS Defined Contribution Plan

Problem Our original plan for this Ohio STRS Defined Contribution account was to rollover to a Vanguard IRA to own the asset, control the spending of it (and taxation) while letting it grow tax-deferred, and having the ability to pass on to heirs if unneeded. We have other pensions that cover our n...
by Fat-Tailed Contagion
Sat Jul 25, 2015 9:05 am
Forum: Personal Consumer Issues
Topic: Best Chromebook 2015
Replies: 55
Views: 5722

Re: Best Chromebook 2015

Does anyone know the normal product cycle for the Toshiba Chromebooks?

The Toshiba Chromebook 2 has been on the market for close to a year (?), and I am wondering when they may release an updated 3 model?

Anyone done any research into this?

Thank you!
by Fat-Tailed Contagion
Wed Jun 03, 2015 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Parents retiring from Ohio to Sarasota, FL area
Replies: 11
Views: 1794

Re: Parents retiring from Ohio to Sarasota, FL area

Thanks to all of the responses!

They will be near 75 in the Sarasota / Bradenton border.

Any other insights are truly appreciated :)
by Fat-Tailed Contagion
Wed Jun 03, 2015 1:08 am
Forum: Personal Finance (Not Investing)
Topic: Parents retiring from Ohio to Sarasota, FL area
Replies: 11
Views: 1794

Parents retiring from Ohio to Sarasota, FL area

Hi Bogleheads,

Any guidance on this area for a newly retired couple would be appreciated.

What should they do with things like Homestead etc?

Any advice on this transition during the beginning of their retirement?

Thank you!
by Fat-Tailed Contagion
Thu Dec 04, 2014 9:35 pm
Forum: Investing - Theory, News & General
Topic: 4% Rule Article on Vanguard Site
Replies: 4
Views: 1050

Re: 4% Rule Article on Vanguard Site

What return and inflation assumptions did they use in the study?

I am always disappointed that this is not CLEARLY stated in the article/study.
by Fat-Tailed Contagion
Thu Dec 04, 2014 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion make sense in our situation?
Replies: 8
Views: 882

Re: Roth Conversion make sense in our situation?

Thanks Don,

I hadn't considered the additional Medicare "taxes" from higher income levels in retirement.
by Fat-Tailed Contagion
Thu Dec 04, 2014 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion make sense in our situation?
Replies: 8
Views: 882

Re: Roth Conversion make sense in our situation?

It looks like the model shows we will be in 25% bracket throughout all of the years projected. In the bottom of the bracket at age 68 and 69 and then back up in the middle/upper range when RMD's of $25-30k per year kick in at 70. SUMMARY (?): It sounds like the advantage comes from converting up to ...
by Fat-Tailed Contagion
Wed Dec 03, 2014 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion make sense in our situation?
Replies: 8
Views: 882

Re: Roth Conversion make sense in our situation?

Bump - added additional details to original post.
by Fat-Tailed Contagion
Wed Dec 03, 2014 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion make sense in our situation?
Replies: 8
Views: 882

Roth Conversion make sense in our situation?

Hi Bogleheads, We are approaching retirement and will have RMDs beginning in about 3 years. For two years, our income will be a little lower than normal due to no RMDs and then bump back up when the RMDs kick in. We will not need all of the RMD income for living expenses, so we are considering a Rot...
by Fat-Tailed Contagion
Tue Dec 02, 2014 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Best market solution for large car/small SUV for roadtrips?
Replies: 17
Views: 1677

Best market solution for large car/small SUV for roadtrips?

Hi guys and gals, My family is nearing retirement and considering options for making roadtrips with 3 small dogs and 2 adults to visit family and friends. We currently have two economical sedans for area commuting but would like a larger car/small SUV for road trips. Maybe 3-4 roadtrips per year. 1....
by Fat-Tailed Contagion
Tue Dec 02, 2014 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Spending changes in retirement? Vanguard CFP
Replies: 9
Views: 846

Spending changes in retirement? Vanguard CFP

Hi Bogleheads, We did a recent Financial Plan with a Vanguard CFP as we are retiring in the next year. Our goal is to have all spending budgeted in our model so that we have the best idea of what our annual spending will be. The CFP mentioned that the first 5 years of retirement there is an uptick i...
by Fat-Tailed Contagion
Sat Nov 15, 2014 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help with an Xbox purchase ...
Replies: 10
Views: 903

Need Help with an Xbox purchase ...

Hi Bogleheads,

I am in the process of buying an Xbox system for a house of young people and I have no idea how to do it.

I just need a system not games.

Thank you the guidance and direction,

Fat Tail
by Fat-Tailed Contagion
Fri Oct 31, 2014 11:07 pm
Forum: Investing - Theory, News & General
Topic: Possibility of financial markets breakdown / transformation?
Replies: 16
Views: 1960

Re: Possibility of financial markets breakdown / transformat

Thank you for all of the participation! I must say I am surprised that no on has voted for Invest in Precious Metals. Maybe there is a better way to create a poll around this idea ? Any criticism is appreciated. Well, you might create a poll with only the options: Invest in Precious Metals; or Prec...
by Fat-Tailed Contagion
Fri Oct 31, 2014 10:23 pm
Forum: Investing - Theory, News & General
Topic: Possibility of financial markets breakdown / transformation?
Replies: 16
Views: 1960

Re: Possibility of financial markets breakdown / transformat

Thank you for all of the participation!

I must say I am surprised that no on has voted for Invest in Precious Metals.

Maybe there is a better way to create a poll around this idea ? Any criticism is appreciated.
by Fat-Tailed Contagion
Thu Oct 30, 2014 1:21 pm
Forum: Investing - Theory, News & General
Topic: Possibility of financial markets breakdown / transformation?
Replies: 16
Views: 1960

Possibility of financial markets breakdown / transformation?

Hi Bogleheads,

Assumption(s):

With the awareness that the financial market exchanges may not be integris and therefore their survival is precarious.

FYI: I set poll so that you may change your vote and the polling duration is unlimited.

Thank you all for the fantastic votes and comments!
by Fat-Tailed Contagion
Thu Oct 16, 2014 1:24 pm
Forum: Personal Consumer Issues
Topic: Vegas Vacation!
Replies: 50
Views: 5070

Re: Vegas Vacation!

FYI - I edited my Original Post to include more details.

Thank you all!

- Fat Tail
by Fat-Tailed Contagion
Thu Oct 16, 2014 12:10 pm
Forum: Personal Consumer Issues
Topic: Vegas Vacation!
Replies: 50
Views: 5070

Vegas Vacation!

Hi fellow Bogleheads:

Any suggestions of sites to see and of course the best deals in the town of Las Vegas?

Areas of Interest: Sun, pools/hot tubs, nature, casinos although not into gambling, buffets/food, site seeing, etc.

Staying 3 nights during the week at SLS Hotel.

Thank you!

- Fat Tail
by Fat-Tailed Contagion
Wed Oct 15, 2014 7:54 pm
Forum: Investing - Theory, News & General
Topic: Investment Policy Statement - share your sample template?
Replies: 8
Views: 1558

Investment Policy Statement - share your sample template?

Hi guys,

Would anyone be generous enough to share their sample template of what their Investment Policy Statement (IPS)?

Thank you,

Fat Tail
by Fat-Tailed Contagion
Tue Oct 07, 2014 1:06 pm
Forum: Investing - Theory, News & General
Topic: Correlation Data for Total Bond, TIPS, & Total INTL Bond ?
Replies: 13
Views: 1136

Re: Correlation Data for Total Bond, TIPS, & Total INTL Bond

As far as I know, int'l bonds funds have short history, so any correlation data is going to have limited meaning. Don't know the answer about total-bonds vs TIPS, but using the Simba worksheet (see wiki), you should be able to figure that out quickly. Why do you ask? I ask because the VG Planner su...
by Fat-Tailed Contagion
Tue Oct 07, 2014 12:59 pm
Forum: Investing - Theory, News & General
Topic: Correlation Data for Total Bond, TIPS, & Total INTL Bond ?
Replies: 13
Views: 1136

Re: Correlation Data for Total Bond, TIPS, & Total INTL Bond

Vanguard Financial Planner gave me a nice Correlation Graph that I would like to post here for us all to share but I am having a hard time figuring out how to post a 1 page pdf file.

Any help is appreciated.
by Fat-Tailed Contagion
Mon Oct 06, 2014 8:51 pm
Forum: Investing - Theory, News & General
Topic: Correlation Data for Total Bond, TIPS, & Total INTL Bond ?
Replies: 13
Views: 1136

Correlation Data for Total Bond, TIPS, & Total INTL Bond ?

Has anyone seen data on the correlation of these three asset classes (funds) ?

Thank you!

Fat Tail
by Fat-Tailed Contagion
Fri Oct 03, 2014 10:12 pm
Forum: Investing - Theory, News & General
Topic: Optimum # of Funds in a Portfolio ?
Replies: 17
Views: 1695

Re: Optimum # of Funds in a Portfolio ?

Thanks guys! It seems that a lot of wise investors are simplifying to 3 funds or so. I always thought that Total Stock and Total Intl Stock had such a similar correlation coefficient that there was not enough zigging and zagging with just the Total Bond Fund. But, as always, I remain open-minded. Th...
by Fat-Tailed Contagion
Fri Oct 03, 2014 1:35 pm
Forum: Investing - Theory, News & General
Topic: Optimum # of Funds in a Portfolio ?
Replies: 17
Views: 1695

Optimum # of Funds in a Portfolio ?

Assumptions: 1. Holding a portfolio of non-correlated assets (funds) can increase risk-adjusted returns (the most generic interpretation) 2. There is possibly a rebalancing bonus with a disciplined rebalancing program (the most generic interpretation) 3. Similar funds held in different accounts cou...
by Fat-Tailed Contagion
Fri Sep 26, 2014 1:36 pm
Forum: Investing - Theory, News & General
Topic: What is your best estimate of the SWR (Safe Withdrawal Rate)
Replies: 77
Views: 4494

What is your best estimate of the SWR (Safe Withdrawal Rate)

Assumptions:

1. Simple Total Markets Fund 60/40 Portfolio
2. 30-year period or whatever the standard model uses as a period of retirement

Thank you for participating!
by Fat-Tailed Contagion
Fri Sep 26, 2014 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: Consumption Inflation % in Retirement
Replies: 12
Views: 1073

Re: POLL: Consumption Inflation % in Retirement

BUMPing to see if anyone else would like to add their vote and/ot two cents.

Thanks!
by Fat-Tailed Contagion
Sat Aug 23, 2014 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help: State-Specific Bond Funds and Moving ?
Replies: 6
Views: 650

Need Help: State-Specific Bond Funds and Moving ?

Hello dear Bogleheads: 1. I have an OH LT Bond Fund with $3-4k of long term capital gains. I have moved to CA and am working there now. What should I do with this fund? 2. I have some extra money in my taxable checking account and would like to invest in a higher yielding asset (according my IPS I a...
by Fat-Tailed Contagion
Sat Jun 28, 2014 1:10 pm
Forum: Investing - Theory, News & General
Topic: Bernstein: Don’t Bother With International Bonds
Replies: 112
Views: 11982

Re: Bernstein: Don’t Bother With Intnational Bonds

Does anyone have returns data for unhedged intl total bond fund?

It may be used as a diversifying asset aside from the other traditional US-based portfolio strategies...
by Fat-Tailed Contagion
Sun Mar 02, 2014 12:29 am
Forum: Investing - Theory, News & General
Topic: Benjamin Graham thinks current S&P valuations are reasonable
Replies: 67
Views: 10320

Re: Benjamin Graham thinks current S&P valuations are reason

Why do you think he used a AA bond and not a 10-year Treasury ?
by Fat-Tailed Contagion
Thu Jan 09, 2014 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Optimal Portfolio Drawdown Strategy ?
Replies: 3
Views: 768

Re: Optimal Portfolio Drawdown Strategy ?

Thank you for the great information.
by Fat-Tailed Contagion
Tue Jan 07, 2014 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Optimal Portfolio Drawdown Strategy ?
Replies: 3
Views: 768

Optimal Portfolio Drawdown Strategy ?

1. IRA RMD's from Bond Funds 2. Taxable Muni Bond Fund (where Dividends get swept from all Taxable accounts) 3. IRA Distributions from Bond Funds 4. IRA Distributions from Stock Funds 5. Taxable Stock Funds 6. Roth-IRA Stock Funds Assumptions: Laxy 5-6 fund portfolio, 50/50 AA, want to leave inherit...
by Fat-Tailed Contagion
Mon Jan 06, 2014 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: Consumption Inflation % in Retirement
Replies: 12
Views: 1073

Re: POLL: Consumption Inflation % in Retirement

Thanks guys for the insights.

Awesome food for thought!
by Fat-Tailed Contagion
Sun Jan 05, 2014 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: Consumption Inflation % in Retirement
Replies: 12
Views: 1073

Re: POLL: Consumption Inflation % in Retirement

Thanks Richard and Alan for the sage advice.

I agree on all points.

Thanks everyone for your estimates!
by Fat-Tailed Contagion
Sun Jan 05, 2014 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: Consumption Inflation % in Retirement
Replies: 12
Views: 1073

Re: POLL: Consumption Inflation % in Retirement

The spread between 30 year nominal treasuries and 30 year TIPS is likely close to the market's estimate of inflation over the next 30 years. Call it 2.4%. There's probably some inflation risk premium built in, but bump it up a few tenths for higher retiree expense inflation and the unexpected. Hi R...
by Fat-Tailed Contagion
Sun Jan 05, 2014 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: Consumption Inflation % in Retirement
Replies: 12
Views: 1073

Re: POLL: Consumption Inflation % in Retirement

Thanks nisprius.

Just looking for a nominal number to plug into a nominal spreadsheet at the moment.
by Fat-Tailed Contagion
Sun Jan 05, 2014 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: Consumption Inflation % in Retirement
Replies: 12
Views: 1073

POLL: Consumption Inflation % in Retirement

What is your best estimate ?

(assumption: you are retiring soon and trying to predict the inflation on your annualized spending for analysis purposes)

Healthcare including Drugs:
Food:
Energy:
Transportation:
Housing:

Total: x % ?
by Fat-Tailed Contagion
Thu Jan 02, 2014 6:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's worst fund (also #1) in 2013.
Replies: 36
Views: 8903

Re: Vanguard's worst fund (also #1) in 2013.

Year Total return 2013 – 35.13% 2012 – 12.98% 2011 – 21.70% 2010 37.45% 2009 76.46% 2008 – 56.02% 2007 36.13% 2006 34.30% 2005 43.79% 2004 8.09% 2003 59.45% 2002 33.35% 2001 18.33% 2000 – 7.34% 1999 28.82% 1998 – 3.91%

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