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Re: I need a new coffee maker, any recommendations?

It's wretchly expensive and I had to replace the wretchedly expensive thermal carafe after about 5 years, but apart from that my Technivorm Moccamaster has been completely satisfactory. I used to use expensive Gevalia Stockholm Roast brewed in a Mr. Coffee. Now I use cheap Folger's Classic brewed i...
by delawaremother
Fri Apr 18, 2014 3:35 pm
 
Forum: Personal Consumer Issues
Topic: I need a new coffee maker, any recommendations?
Replies: 60
Views: 2240

Re: Trying to understand I-Orp calculator results

I'll take a whack at it. Basically the program runs 141 (in this case) trial retirements and computes for each one a level of spending that could be sustained without running out of money. Each of these "retirements" is different because the investment returns used in each year are random...
by delawaremother
Thu Mar 06, 2014 12:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Trying to understand I-Orp calculator results
Replies: 5
Views: 407

Trying to understand I-Orp calculator results

Hello, Bogleheads. I do not have a background in statistics and am struggling to understand what the results mean after running our numbers through the I-Orp calculator: Monte Carlo Risk Assessment Convergence achieved. Number of Problems Solved 141 Average $ Available for Spending $98,000 (50% of r...
by delawaremother
Wed Mar 05, 2014 9:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Trying to understand I-Orp calculator results
Replies: 5
Views: 407

Re: New Toyota Sienna vs Used

We have an 01 Sienna with 192k and are the original owners. It is FWD, and we live in Wisconsin. It has served us well in all weather. Other than the usual maintenance, it has been a good van, and is now our cheap all around beater van. No plans to get rid of it. It's still very useful, though not a...
by delawaremother
Thu Feb 27, 2014 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: New Toyota Sienna vs Used
Replies: 17
Views: 1257

Re: Help with Pension Decision [Lump Sum vs. Annuity]

I’m late to this party, but do agree that the pension looks like the best bet. I’ve done the numbers for dozens if not hundreds of folks to help in this decision, and in virtually every one I've studied, it’s like yours, where the pension gives a considerably bigger monthly amount than you can guar...
by delawaremother
Sun Feb 23, 2014 6:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with Pension Decision [Lump Sum vs. Annuity]
Replies: 27
Views: 1577

Re: Help with Pension Decision

g$$ wrote:Here is a link to a post i wrote a while ago about why the annuity is usually the better choice.


Thank you for this link, g$$, very informative!
by delawaremother
Sun Feb 23, 2014 2:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with Pension Decision [Lump Sum vs. Annuity]
Replies: 27
Views: 1577

Re: Help with Pension Decision

I'd take the lump sum; who knows what could change over the next few decades that might endanger the viability of a pension (promise). By taking the lump sum one has alot more options ... including buying your own SPIA in an amount you choose, at a time you choose. Your advice is well taken, howeve...
by delawaremother
Sun Feb 23, 2014 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with Pension Decision [Lump Sum vs. Annuity]
Replies: 27
Views: 1577

Re: Help with Pension Decision

Thanks so very much for everyone's help : ) We are going to take the 100% JS annuity option. I ran Firecalc and I-Orp calculators this morning after reading everyone's posts for extra assurance that the annuity income helps level the risk of investing the lump sum ourselves. Many, many thanks to all!
by delawaremother
Sun Feb 23, 2014 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Help with Pension Decision [Lump Sum vs. Annuity]
Replies: 27
Views: 1577

Re: Help with Pension Decision

Thanks, Watty, wow! Lots of info! Thanks for taking the time : ) I started out thinking that the only consideration to make was whether my husband and I could get a better return managing the money ourselves, but I now see that the decision is really a little more complex and has more to do with how...
by delawaremother
Sun Feb 23, 2014 12:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Help with Pension Decision [Lump Sum vs. Annuity]
Replies: 27
Views: 1577

Re: Help with Pension Decision

Husband retired this year and has the option of rolling over 272k into a traditional IRA or taking the annuity in the following ways: Life $1641 50% $1523 75% $1470 100% $1420 Life annuity at 2/1/2018 $2201 no survivorship options listed No COLA The best idea is to compare to a SPIA (single premium...
by delawaremother
Sat Feb 22, 2014 10:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with Pension Decision [Lump Sum vs. Annuity]
Replies: 27
Views: 1577

Re: Help with Pension Decision

Sorry I didn't make it clearer. I have been a stay at home mother during
our marriage and did not work, which is why I mentioned in my post that
I would be collecting SS on his record.
by delawaremother
Sat Feb 22, 2014 8:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with Pension Decision [Lump Sum vs. Annuity]
Replies: 27
Views: 1577

Help with Pension Decision [Lump Sum vs. Annuity]

Hello, helpful Bogleheads, I have a question regarding taking a lump sum pension benefit vs annuity payments. Background info: approximately 1.1M combined in our IRAs 430K in taxable accounts Husband is 61 and will collect ~30k in SS @ 66 I am 52 and will collect on his record too many years from no...
by delawaremother
Sat Feb 22, 2014 7:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with Pension Decision [Lump Sum vs. Annuity]
Replies: 27
Views: 1577

Re: Filing for SS when spouses ages are > 6 years apart

I tried running the calculator using your suggestion that I change all cola, investment, and inflation values to 0, and the best scenario seems to be either collecting at ages 66 and 62, or 66 and 67, depending upon how things look health wise. A previous poster's suggestion that we review the numbe...
by delawaremother
Tue Mar 26, 2013 3:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Filing for SS when spouses ages are > 6 years apart
Replies: 12
Views: 530

Re: Filing for SS when spouses ages are > 6 years apart

The calculator I used, SSCalc.net, calculates a Cola increase, and presents totals for each year under a column titled, " Accum Discounted Cash Flow NPV" and a column titled, , "Accum. Real Cash Flow. His dob is 1953, mine 1962, his FRA is 66, mine is 67. It would probably be useful t...
by delawaremother
Tue Mar 26, 2013 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Filing for SS when spouses ages are > 6 years apart
Replies: 12
Views: 530

Re: Filing for SS when spouses ages are > 6 years apart

Well, if he passed away at the age of 75, I would be 66, one year shy of FRA. Waiting one more year to file under my FRA would mean that I collect his full benefit. Assuming I live until 85, I would collect for another 19 years. The question then becomes what is the best age for him to apply for ben...
by delawaremother
Tue Mar 26, 2013 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Filing for SS when spouses ages are > 6 years apart
Replies: 12
Views: 530

Re: Filing for SS when spouses ages are > 6 years apart

Thanks everyone for the responses so far. I can't help but focus on the total amounts collected, assuming my husband lives to 75: filing at ages 62 and 62 $426,941 filing at ages 66 and 62 $364,272 filing at ages 70 and 62 $263,512 filing at ages 70 and 67 $217,556 Assuming we have enough resources ...
by delawaremother
Tue Mar 26, 2013 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Filing for SS when spouses ages are > 6 years apart
Replies: 12
Views: 530

Re: Filing for SS when spouses ages are > 6 years apart

Well, it's hard to say, of course, when someone will die, though he has
suggested that he doesn't think he'll live past 75 : (
I think I understand what you are getting at: the issue of survivors benefits
and how the age of when he files is going to determine my eventual benefit?
by delawaremother
Tue Mar 26, 2013 12:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Filing for SS when spouses ages are > 6 years apart
Replies: 12
Views: 530

Re: Filing for SS when spouses ages are > 6 years apart

I'm unsure what you mean, and I probably didn't explain myself clearly. I ran four retirement scenarios: spouse at 62, me at 62 spouse at 66, me at 62 spouse at 70, me at 62 souse at 70, me at 67 His benefit is $1800 at age 62, $2500 at 66, $3400 at 70. My benefit is entirely based on his record. Th...
by delawaremother
Tue Mar 26, 2013 12:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Filing for SS when spouses ages are > 6 years apart
Replies: 12
Views: 530

Filing for SS when spouses ages are > 6 years apart

Hi, everyone: I am a non-working married spouse of someone 9 years older than myself. I have been looking around online for a ss calculator that I can plug in our values to try to figure out whether my husband should file for ss early, at FRA, or wait until age 70. The T-Rowe Price calculator does n...
by delawaremother
Tue Mar 26, 2013 12:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Filing for SS when spouses ages are > 6 years apart
Replies: 12
Views: 530

Re: Portfolio Advice, Nearing Retirement, Hoping for a Look

BrandonBogle, I left you out! Sorry about that! I am working on convincing my husband that a simple three or four fund portfolio would be much easier to manage and would enable me to sleep better at night. He doesn't disagree with simplifying the investments, but coming to an agreement about out how...
by delawaremother
Sat Mar 16, 2013 7:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice, Nearing Retirement, Hoping for a Look See
Replies: 8
Views: 1074

Re: Portfolio Advice, Nearing Retirement, Hoping for a Look

Peter Foley, your comment that portfolio funds amounting to less than 5% "do not add much diversification nor are they large enough to increase the overall performance of a portfolio," is very helpful. I thought about that comment all evening, and it is certainly an argument for simplifyin...
by delawaremother
Sat Mar 16, 2013 7:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice, Nearing Retirement, Hoping for a Look See
Replies: 8
Views: 1074

Re: Portfolio Advice: Nearing Retirement

JT, I listed my stats in another posting.
Thanks for your reply, if you have time, I'd love some advice!
by delawaremother
Fri Mar 15, 2013 5:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice: Nearing Retirement
Replies: 2
Views: 409

Portfolio Advice, Nearing Retirement, Hoping for a Look See

Hello, I recently posted a question regarding a 403b in-service rollover to a T-IRA and received excellent advice. Many, many thanks to all who posted. I'm back with questions about our portfolio. I read the guidelines regarding format when posting this kind of question, so here goes: I am 51, husb...
by delawaremother
Fri Mar 15, 2013 4:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice, Nearing Retirement, Hoping for a Look See
Replies: 8
Views: 1074

Portfolio Advice: Nearing Retirement

Hello, all. I posted a question last November regarding a 403b to IRA in-service rollover and received very good advice,
so here I am, hoping for some more advice.
by delawaremother
Fri Mar 15, 2013 12:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice: Nearing Retirement
Replies: 2
Views: 409

Re: 403b Rollover to Traditional IRA?

Thanks for everyone's help and speedy replies.
My husband is contacting HR as I type.
One other question: would anyone know if there is a ceiling on the amount
of a rollover?
by delawaremother
Thu Nov 08, 2012 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: 403b Rollover to Traditional IRA?
Replies: 6
Views: 306

403b Rollover to Traditional IRA?

My husband has been working for a local hospital as a physician for almost 20 years. He is 59.5 years old as of this past summer. We have never been particularly happy with the mutual funds that the hospital offered through its traditional 403b and 457 plans, but went ahead and fully invested due to...
by delawaremother
Thu Nov 08, 2012 11:04 am
 
Forum: Personal Finance (Not Investing)
Topic: 403b Rollover to Traditional IRA?
Replies: 6
Views: 306

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