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Medicaid compliant SPIA

What is a Medicaid compliant SPIA?
What are the differences between a Medicaid compliant SPIA and a non Medicaid compliant SPIA? Thanks
by CWRadio
Fri Apr 24, 2015 9:17 am
 
Forum: Investing - Theory, News & General
Topic: Medicaid compliant SPIA
Replies: 1
Views: 263

Re: Schwab Intelligent Portfolios [now live]

tj wrote:Its interesting that only 20% of the accounts are new clients. That means they are heavily marketing it to their existing clients.

What percent are in retirement and taking money out of the portfolio?
by CWRadio
Thu Apr 23, 2015 8:42 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 374
Views: 33514

Re: Overinflating Tires

Any advice on a good tire pressure gauge?
by CWRadio
Sun Apr 19, 2015 7:27 pm
 
Forum: Personal Consumer Issues
Topic: Overinflating Tires
Replies: 31
Views: 2776

Re: Schwab Intelligent Portfolios [now live]

How does the performance compare of US large" vs. US large - Fundamental?
by CWRadio
Sun Apr 19, 2015 9:28 am
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 374
Views: 33514

Re: Schwab Intelligent Portfolios [now live]

Been following the posts about SIP. I have a question I posted but unable to get a good answer. I am retired ( age 70) and plan on opening a conservative SIP account. I would like to set up the SIP account to pay me a monthly pay check of $2500. How does Schwab do this? Do they re balance each month...
by CWRadio
Sat Apr 18, 2015 10:12 am
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 374
Views: 33514

Re: My expanded interview w/ Barry Ritholtz of Bloomberg Rad

Rick enjoyed your podcast on Bloomberg Radio.
Can you share your thinking about your up coming robo adviser products as it pertains to someone that is in retirement and taking money out of a robo portfolio. Thanks
by CWRadio
Mon Apr 13, 2015 7:31 am
 
Forum: Investing - Theory, News & General
Topic: My expanded interview w/ Barry Ritholtz of Bloomberg Radio
Replies: 7
Views: 1245

Re: Schwab Intelligent Portfolios [now live]

I am retired and want income for expenses from my SIP.
Will the SIP generate a monthly paycheck and put the money into my checking account? Thanks
by CWRadio
Thu Mar 19, 2015 10:36 am
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 374
Views: 33514

Re: What are the Admiral shares?

Can you please explain why the NAV of Wellesley income fund is different for Admiral shares ($62.59) as compared to Investor shares ($25.83)? Thanks Paul
by CWRadio
Mon Feb 23, 2015 8:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are the Admiral shares? [Portfolio help]
Replies: 50
Views: 3637

Re: Shouldn't bond fund holders celebrate if rates go up?

Thanks ogd and music_man.
I get it now. Paul
by CWRadio
Sun Feb 22, 2015 1:30 pm
 
Forum: Investing - Theory, News & General
Topic: Shouldn't bond fund holders celebrate if rates go up?
Replies: 55
Views: 5245

Re: Shouldn't bond fund holders celebrate if rates go up?

I need addition clarification. If I purchase a bond fund with a duration of 5 year (current interest rate of 2%) and the NAV of the bond fund is $10. If interest rates go up 2% and I never reinvest the interest from the bond fund ( I take it out) will the NAV ever recover to my purchase price of $10...
by CWRadio
Sun Feb 22, 2015 8:04 am
 
Forum: Investing - Theory, News & General
Topic: Shouldn't bond fund holders celebrate if rates go up?
Replies: 55
Views: 5245

Re: Dental Insurance?

Can a dentist that has a contract with MetLife or Delta legally offer a lower price to a cash customer? Thanks
by CWRadio
Tue Feb 17, 2015 7:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance?
Replies: 38
Views: 3430

International Bond funds

How will the recent announcement of the European Central Bank launching a landmark bond-buying program effect the International Bond market mutual funds? Does this cause the fund to increase or decrease in NAV? Thanks Paul
by CWRadio
Thu Jan 22, 2015 7:45 pm
 
Forum: Investing - Theory, News & General
Topic: International Bond funds
Replies: 1
Views: 373

Re: “How Does Aging Affect Financial Decision Making?”

Another good book on the subject is:
What to Do When I Get Stupid by Lewis Mandell. http://lewismandell.com/
by CWRadio
Tue Jan 20, 2015 12:20 pm
 
Forum: Investing - Theory, News & General
Topic: “How Does Aging Affect Financial Decision Making?”
Replies: 65
Views: 4139

Re: Wellington: How do I figure out the after tax return?

How do you find out the return after taxes if you are in a lower tax bracket (15%)? Thanks
by CWRadio
Sat Jan 17, 2015 5:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wellington: How do I figure out the after tax return?
Replies: 13
Views: 752

Re: Wellington Fund as primary retirement investment

You might enjoy what Paul Merriman talks about in this podcast:
My favorite Vanguard balanced fund. Paul compares 5 Vanguard balanced funds.
http://paulmerriman.com/favorite-vanguard-balanced-fund/
by CWRadio
Thu Jan 15, 2015 9:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wellington Fund as primary retirement investment
Replies: 29
Views: 5141

SPIA survivor payout

What are the pros and cons of purchasing a joint SPIA 100% payout with a 70% payout to the survivor as compare to 70% payout if either of the joint annuitants die. Example for case one: If my wife and I get $1000 a mouth and I die my wife gets $700 a mouth. If my wife dies I still get $1000 a mouth....
by CWRadio
Thu Jan 15, 2015 8:19 am
 
Forum: Investing - Theory, News & General
Topic: SPIA survivor payout
Replies: 4
Views: 493

Re: Paul Merriman takes John Bogles $5.00 Bet!

Paul,I have listened to every podcast you have produced and bought and read almost every book you have written. I use a similar but simpler approach to the ultimate buy and hold strategy. I always gain something useful. Your delivery is concise and at a rate that can be easily absorbed by anyone. I...
by CWRadio
Sun Jan 04, 2015 8:57 am
 
Forum: Investing - Theory, News & General
Topic: Paul Merriman takes John Bogles $5.00 Bet!
Replies: 61
Views: 9709

Re: Feedback on annuities?

I am also ready to buy a SPIA. I am 70 and my wife is 67. A SPIA for joint life only for $1200 a month cost $242,424. (all quotes are from http://www.immediateannuities.com ) My question: A SPIA for joint life with 10 year certain for $1200 a month cost $242,914. Just addition $490 A SPIA for joint ...
by CWRadio
Thu Dec 25, 2014 12:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feedback on annuities?
Replies: 63
Views: 5011

Re: How to Think About Risk in Retirement - Bernstein

Hi All: There is no one fund that will execute a reverse glide path strategy, but you can do it with 2: a bond index fund and a stock index fund. The former is for you, and should be spent down. Don't touch the stock fund, if you can avoid it; it's for your heirs and charities, tho it's OK to sneak...
by CWRadio
Tue Dec 09, 2014 8:24 am
 
Forum: Investing - Theory, News & General
Topic: How to Think About Risk in Retirement - Bernstein
Replies: 64
Views: 9889

Re: How to Think About Risk in Retirement - Bernstein

Is there a fund or a set of funds that implement Dr Bernstein strategy for a person that is in retirement? Thanks
by CWRadio
Mon Dec 08, 2014 9:07 am
 
Forum: Investing - Theory, News & General
Topic: How to Think About Risk in Retirement - Bernstein
Replies: 64
Views: 9889

Re: Ken Fisher - Why I hate annuities

nisiprius are what age did you purchase your two SPIAs? Thanks Paul
by CWRadio
Tue Dec 02, 2014 10:23 am
 
Forum: Investing - Theory, News & General
Topic: Ken Fisher - Why I hate annuities
Replies: 69
Views: 6512

My favorite Vanguard balanced fund

Any comments on Paul Merrimen latest podcast http://paulmerriman.com/podcasts/ on My favorite Vanguard balanced fund?
by CWRadio
Thu Oct 30, 2014 7:47 am
 
Forum: Investing - Theory, News & General
Topic: My favorite Vanguard balanced fund
Replies: 20
Views: 4362

Re: Medigap Plan G vs Plan F?

Another place to check rates:
CSG Actuarial's

https://csgactuarial.com/demo/

Paul
by CWRadio
Sat Oct 18, 2014 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan G vs Plan F?
Replies: 70
Views: 10971

Re: Email on specific words

hand wrote:Not sure if this site provides the requested functionality, but you could accomplish something similar by setting up a Google Alert for "LifeStrategy" site:bogleheads.org.


Thanks. I will set it up in Google Alerts
by CWRadio
Fri Oct 17, 2014 8:57 pm
 
Forum: Forum Issues and Administration
Topic: Email on specific words
Replies: 3
Views: 1197

Email on specific words

Is there a way to get an email, if someone post a question that has a specific word in it?
Example: If someone post a question about Vanguards LifeStratery Funds I would like to get a email about the post. If I am interested in the post I could them subscribe to it.
Thanks Paul
by CWRadio
Fri Oct 17, 2014 7:57 am
 
Forum: Forum Issues and Administration
Topic: Email on specific words
Replies: 3
Views: 1197

Re: How TIPS work

Thanks Bubbagump and PJW. I think I now get it. Paul
by CWRadio
Wed Oct 15, 2014 8:46 am
 
Forum: Investing - Help with Personal Investments
Topic: How TIPS work
Replies: 10
Views: 1123

Re: How TIPS work

Can you please explain what causes the NAV of Vanguard Short-Term Inflation-Protected Securities ETF (VTIP) and DFA Inflation-Protected Securities (DIPSX) to change each day. I have asked this question a few times but still have a problem understanding. Thanks Paul
by CWRadio
Tue Oct 14, 2014 11:50 am
 
Forum: Investing - Help with Personal Investments
Topic: How TIPS work
Replies: 10
Views: 1123

Re: Eye Exam--Insurance or Cash

Try checking the AARP or AAA web site for eye exam discounts.
by CWRadio
Wed Oct 08, 2014 9:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Eye Exam--Insurance or Cash
Replies: 4
Views: 956

Re: TIPS & Rick Ferri

What causes the NAV of a TIP fund to increase? I am still confused on how TIP funds work. Paul
by CWRadio
Sun Sep 28, 2014 3:55 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS & Rick Ferri
Replies: 28
Views: 5388

Re: Moshe Milevsky's Life Annuities Monograph

THX. Read it last night and this afternoon. Confirmed my decision to buy deferred Guaranteed lifetime Income Annuities. Good for me, bad for insurance companies that didn't do their P's & Q's. :annoyed So what companies are offering a good deal on a Deferred Guaranteed lifetime Income Annuities...
by CWRadio
Mon Sep 22, 2014 5:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moshe Milevsky's Life Annuities Monograph
Replies: 21
Views: 2756

Re: Total bond index or 5 yr CD?

Like retiredjg I think who said earlier: I am lazy so I will buy the bond fund. I simply do not want to have to go every x # of years depending on how long the CDs are (5 in this one case) and find new CDs. Plus if you have more than whatever the government decides is the FDIC limit whenever the ti...
by CWRadio
Sun Sep 21, 2014 3:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total bond index or 5 yr CD?
Replies: 36
Views: 2990

Re: Are SPIA's fairly priced? - A quick and dirty analysis

As I said upthread, to make an informed decision about WHEN to purchase an annuity, one needs to know the cost of the product vs the value of mortality credits. As long as the overhead cost of an annuity is greater than the benefit received from mortality credits in a given year, it's better to wai...
by CWRadio
Sun Sep 21, 2014 8:00 am
 
Forum: Investing - Theory, News & General
Topic: Are SPIA's fairly priced? - A quick and dirty analysis
Replies: 75
Views: 3917

Re: Detroit Area Bogleheads - Master Thread

Enjoyed my first meeting of the Detroit Bogleheads. I had a question I did not ask to the people that are currently retired. Does anyone use Blue Cross Legacy Plan C for their Medicare gap / supplement insurance? If so, any news on what going to happen to the plan when the price freeze ends on Aug 2...
by CWRadio
Sat Sep 20, 2014 4:35 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 14
Views: 2072

Re: The Annuity Puzzlement

I suspect you're right in suggesting that this kind of diy annuity is not likely to offer better returns, which is to be expected for the notably greater safety. But it could be a meaningful trade that some investors are willing to accept. And there are other trade offs favoring diy, like the abili...
by CWRadio
Thu Sep 18, 2014 12:34 pm
 
Forum: Investing - Theory, News & General
Topic: The Annuity Puzzlement
Replies: 95
Views: 7719

Re: Tour travelling by bus

Has anyone taken a Tauck tour to New Mexico? Thanks
by CWRadio
Tue Sep 16, 2014 9:39 am
 
Forum: Personal Consumer Issues
Topic: Tour travelling by bus
Replies: 36
Views: 2486

Re: The Annuity Puzzlement

I don't understand what changes so drastically in someone's risk profile that one day Just a wild guess: They no longer have a salary and need a reliable stream of income to live on. L. It missing the automatic pay check which a SPIA gives you and it makes my wife my comfortable if anything happens...
by CWRadio
Sat Sep 13, 2014 2:30 pm
 
Forum: Investing - Theory, News & General
Topic: The Annuity Puzzlement
Replies: 95
Views: 7719

Re: The Annuity Puzzlement

At what age should you buy a SPIA with the low interest rates we now have? Thanks
by CWRadio
Sat Sep 13, 2014 9:24 am
 
Forum: Investing - Theory, News & General
Topic: The Annuity Puzzlement
Replies: 95
Views: 7719

Re: New 2% cash back Mastercard from Citi

Pizzasteve510 wrote:Just got mine today. Nice look.

One gotcha to avoid - 3% foreign transaction fee. So not the best for world travel.

What credit card offers 2% back on all purchases and no foreign transaction fee besides the Fidelity American Express? Thanks
by CWRadio
Thu Sep 11, 2014 6:27 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 240
Views: 114900

Re: 50-50 Wellesley-Wellington or Total Bond-Total Stock

Note that Wellington and Moderate Growth have similar ERs (0.18% vs 0.16%) so it is unfair to say that Wellington's ER is high. Yep, you basically get the manager for free or maybe 9 or so basis points, if you compare to balanced index admiral. Some see having a fund manager as a negative. I just s...
by CWRadio
Sun Sep 07, 2014 5:49 pm
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5723

Barclays Short Term International Treasury Bond

Yesterday the European Central Bank announced lowering of interest rates.
So why did the NAV of SPDR Barclays Capital Short Term Int ETF BWZ go down?
My general understanding if interest rates go down the NAV of the fund goes up.
Thanks Paul
by CWRadio
Fri Sep 05, 2014 10:18 am
 
Forum: Investing - Theory, News & General
Topic: Barclays Short Term International Treasury Bond
Replies: 2
Views: 419

Re: Safe floor and Safe Withdrawal Rate

Thank you all for all the time and effect you put in to answering all the questions. Sundays Wall Street journal has an article called A Retirement Income Plan or How to Ensure Adequate Retirement Income by Jonathan Clements. http://online.wsj.com/articles/an-answer-to-the-retirement-income-puzzle-1...
by CWRadio
Sun Aug 31, 2014 9:30 am
 
Forum: Investing - Theory, News & General
Topic: Safe floor and Safe Withdrawal Rate
Replies: 19
Views: 1557

Safe floor and Safe Withdrawal Rate

I am retired now and starting to take money out of my IRA to live on. Have no pension. I am confused about having a "safe floor" of investment for the necessary things in retirement, and using the Safe Withdrawal Rate for money in retirement. What is a safe floor? Is it only made up of SPI...
by CWRadio
Sat Aug 30, 2014 8:37 am
 
Forum: Investing - Theory, News & General
Topic: Safe floor and Safe Withdrawal Rate
Replies: 19
Views: 1557

Re: Withdrawl from Target Retirement or Life Strategy Fund

So if the 5 years of cash is outside of the portfolio is that equal to having a "safe floor"? Thanks Paul That's more like a really big (probably too big) emergency fund. I say too big because there are probably more productive ways to put that money to use. A "safe floor" is (o...
by CWRadio
Fri Aug 29, 2014 2:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Withdrawl from Target Retirement or Life Strategy Fund
Replies: 51
Views: 4828

Re: Withdrawl from Target Retirement or Life Strategy Fund

Thanks What about the statement to have 5 years in cash if you are in retirement so you don't touch your portfolio in a down market? Paul Where are you going to get the cash? In my book the cash is part of the portfolio, so if you spend it you have touched the portfolio. If you have cash and you do...
by CWRadio
Fri Aug 29, 2014 2:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Withdrawl from Target Retirement or Life Strategy Fund
Replies: 51
Views: 4828

Re: Withdrawl from Target Retirement or Life Strategy Fund

bertilak Any other examples or ideas on liability-matched (or safe floor) portfolio besides annuities and bond ladders? Currently I have 3 years of cash (safe floor) and the rest of my retirement money in LifeStratery conservative growth. Not happy with my safe floor. Thanks You shouldn't be happy....
by CWRadio
Fri Aug 29, 2014 10:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Withdrawl from Target Retirement or Life Strategy Fund
Replies: 51
Views: 4828

Re: Withdrawl from Target Retirement or Life Strategy Fund

bertilak
Any other examples or ideas on liability-matched (or safe floor) portfolio besides annuities and bond ladders?
Currently I have 3 years of cash (safe floor) and the rest of my retirement money in LifeStratery conservative growth. Not happy with my safe floor. Thanks
by CWRadio
Fri Aug 29, 2014 8:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Withdrawl from Target Retirement or Life Strategy Fund
Replies: 51
Views: 4828

Hot water heater

I have an electric 40 gallon hot water heater that is only used when I need to fill my large Whirlpool tub. Like some Whirlpool tubs I only use it 1 time a year, so the water sits in the 40 gallon hot water heater not used for most of the year. It is also turnoff until I decide to take a bath (no el...
by CWRadio
Sun Aug 24, 2014 8:19 am
 
Forum: Personal Consumer Issues
Topic: Hot water heater
Replies: 4
Views: 846

Re: Withdrawl from Target Retirement or Life Strategy Fund

If you do decide to use Target Retirement or Life Strategy fund as your one fund in retirement, do you take the money out weekly, monthly quarterly or yearly? What is the best strategy? Thanks
by CWRadio
Mon Aug 11, 2014 7:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Withdrawl from Target Retirement or Life Strategy Fund
Replies: 51
Views: 4828

Re: The Risk of Short-term Bond Funds

Just a implementation question.
How is the dividend of a bond fund calculated?
Is the dividend of the bond fund calculated on the NAV of the fund or the total number of shares you have of the bond fund? Thanks
by CWRadio
Tue Jul 08, 2014 3:33 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 154
Views: 14002
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