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Re: Yahoo changes are awful - what homepage do you like?

I just google images for example; tropical beach. 8-)
Select an image I like and set it as my homepage. Easy enough to change when I get tired of the same picture.
by ndchamp
Fri Jan 31, 2014 3:00 pm
 
Forum: Personal Consumer Issues
Topic: Yahoo changes are awful - what homepage do you like?
Replies: 66
Views: 5100

Re: SPIA or 3% Interest

I believe even Mr. Bogle has recently argued that 401K plans need to offer a decumulation option of SPIAs. He said something like this in his little volume, Enough. Lev In his book "The Clash of the Cultures; Investments vs Speculation", he also advocated for Annuities to protect against ...
by ndchamp
Sun Jan 19, 2014 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: SPIA or 3% Interest
Replies: 36
Views: 1853

Re: Tablets and Readers and Smartphones, oh my lol

Dumb phone (Tracfone)
Laptop
Desktop
Kindle Paperwhite

Had a smart phone for a week or so, hated it.
No advantages (that I can see) to having a tablet, and plenty of disadvantages.
YMMV. :sharebeer
by ndchamp
Thu Nov 21, 2013 10:47 am
 
Forum: Personal Consumer Issues
Topic: Tablets and Readers and Smartphones, oh my lol
Replies: 31
Views: 1935

Re: A math question ...

They can be flipped (reflected), so they are congruent. Since they are mirror images (same size) they are not similar.
by ndchamp
Mon Nov 18, 2013 10:11 am
 
Forum: Personal Consumer Issues
Topic: Re: A math question ...
Replies: 57
Views: 1961

Re: Best age to purchase SPIAs ?

Cognitive impairment may also mean u surrender an annuity or fail to fill out the required forms to keep payments coming. It doesn't favor annuities over index funds. Cognitive impairment cannot be a fun thing, but are you serious? Fill out a form to keep monthly SPIA payments coming? Shirley you j...
by ndchamp
Fri Oct 11, 2013 10:41 pm
 
Forum: Investing - Theory, News & General
Topic: Best age to purchase SPIAs ?
Replies: 32
Views: 2062

Re: Best age to purchase SPIAs ?

yes but the question is if that is the best method....I would prefer a longer run with index funds and then purchase a SPIA. Looking at the LifeTime Annuity Calculator at https://www.newretirement.com/services/annuity_calculator.aspx a 70 y/o male could put $100K into a deferred annuity and get $39...
by ndchamp
Fri Oct 11, 2013 5:42 pm
 
Forum: Investing - Theory, News & General
Topic: Best age to purchase SPIAs ?
Replies: 32
Views: 2062

Re: Best age to purchase SPIAs ?

yes but the question is if that is the best method....I would prefer a longer run with index funds and then purchase a SPIA. Looking at the LifeTime Annuity Calculator at https://www.newretirement.com/services/annuity_calculator.aspx a 70 y/o male could put $100K into a deferred annuity and get $39...
by ndchamp
Fri Oct 11, 2013 5:08 pm
 
Forum: Investing - Theory, News & General
Topic: Best age to purchase SPIAs ?
Replies: 32
Views: 2062

Re: Why wait to purchase a SPIA?

Taylor Larimore wrote:Most annuity salespeople will urge us to buy SPIA annuities NOW.
Best wishes.
Taylor

Really? :confused
Pretty sure that most annuity salespeople are urging us to buy higher commission products (Equity Indexed, "Hybrid', etc).
by ndchamp
Fri Oct 11, 2013 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moshe Milevsky's Life Annuities Monograph
Replies: 15
Views: 1392

Re: Moshe Milevsky's Life Annuities Monograph

If you have a Kindle or a Kindle App, Amazon is currently offering this as a FREE Kindle Edition. :dollar
by ndchamp
Tue Oct 08, 2013 8:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Moshe Milevsky's Life Annuities Monograph
Replies: 15
Views: 1392

Re: squirrels

Crosman 2240 Bolt Action, CO2, single shot, 22 caliber.
Reasonably priced (currently under $50 at Amazon) , VERY accurate, and not extremely noisy. A great pellet pistol for small pests and target shooting.
by ndchamp
Wed Sep 25, 2013 9:51 am
 
Forum: Personal Consumer Issues
Topic: squirrels
Replies: 25
Views: 1917

Re: Smoke detectors chirping

Have you tried Googling the make of your detector and "chirping" :?:
GIFY.
by ndchamp
Thu Sep 19, 2013 11:05 am
 
Forum: Personal Consumer Issues
Topic: Smoke detectors chirping
Replies: 27
Views: 1808

Re: Federal Retirees: Why Medicare?

We have both Medicare and BCBS Standard through the Federal Employee Program, and, while I haven't done the math, there have been one or two very expensive surgeries between the two of us. I'd do it again in a minute. Many Federal employees I know use Blue Cross Blue Shield as their FEHB plan. Howe...
by ndchamp
Sat Sep 14, 2013 9:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Federal Retirees: Why Medicare?
Replies: 58
Views: 5819

Re: Are you an Iphone or Android guy?

Luddite here.
TracFone in my pocket and a Windows 7 Laptop at home. You kids get off my lawn!
by ndchamp
Tue Sep 10, 2013 4:14 pm
 
Forum: Personal Consumer Issues
Topic: Are you an Iphone or Android guy?
Replies: 112
Views: 6592

Re: It’s the income, stupid!

Anyone who can enumerate the following-- "I would say for retirement planning it makes more sense to think in terms of product diversification & allocation. That is, we want to manage retirement living standard risk by hedging, insuring, and diversifying - not just by diversifying. SS bene...
by ndchamp
Sun Aug 25, 2013 9:12 am
 
Forum: Investing - Theory, News & General
Topic: It’s the income, stupid!
Replies: 139
Views: 15630

Re: It’s the income, stupid!

**snip** You are not required to take the proceeds as a real life annuity, but at least partial annuitization is encouraged, particularly if you do not have a db pension. For example, the default option at retirement is probably an annuity. BTW this is the way the DFA 401k, 403b, 457 plan operates....
by ndchamp
Sat Aug 24, 2013 7:14 pm
 
Forum: Investing - Theory, News & General
Topic: It’s the income, stupid!
Replies: 139
Views: 15630

Re: SPIA - what am I missing

here were the results (and the annual % return of your money) Yes, return of your money, not on your money. True, but if you were to withdraw that 7% from your money annually, how long would it last? A lifetime? What are the odds? Transferring that risk to an insurance company is a strategy, not an...
by ndchamp
Thu Aug 22, 2013 12:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: SPIA - what am I missing
Replies: 27
Views: 1596

Re: TSP advice needed!

The TSP website says to pick an L fund based on your target retirement date. But I have read others say to choose an L fund based on your life expectancy. Any thoughts? I kind of agree with the Retirement Experts ant Federal Times dot com. The fund should be based on the date you expect to start yo...
by ndchamp
Wed Aug 21, 2013 8:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP advice needed!
Replies: 18
Views: 1594

Re: immediate annuities

It is a very bad idea, because an immediate annuity is an irrevocable commitment; there is, essentially, no way to get your money out. So committing 100% to an immediate annuity leaves no emergency fund, no reserve for contingencies, no money to take advantage of opportunities. But, the OP mentione...
by ndchamp
Wed Aug 21, 2013 8:41 am
 
Forum: Investing - Help with Personal Investments
Topic: immediate annuities
Replies: 14
Views: 896

Re: TSP advice needed!

Love the TSP.
I would put the existing balance in the L-2030 and have the contributions go into the 2040 or 2050, whichever you are more comfortable with.
Then, using the Interfund Transfers, re-balance once or twice a year back to the 2030 still keeping your contributions in the farther out fund.
by ndchamp
Tue Aug 20, 2013 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: TSP advice needed!
Replies: 18
Views: 1594

Re: A few questions about Long term care

Not a direct answer to your question, but I posted this in another thread a few days ago: An article on the problems with long-term care insurance http://www.forbes.com/sites/howardgleckman/2013/08/08/more-bad-news-for-long-term-care-insurance-a-major-carrier-reassess-the-business-amidst-more-rate-...
by ndchamp
Sat Aug 17, 2013 9:25 am
 
Forum: Personal Finance (Not Investing)
Topic: A few questions about Long term care
Replies: 16
Views: 899

Re: 1987 stlye crash on the way?

G-Money wrote:
KyleAAA wrote:Nope.

Nosferatu wrote:Yup..

Definitely one of those. Maybe both.


I agree...or not. :confused
by ndchamp
Fri Aug 09, 2013 7:55 am
 
Forum: Investing - Theory, News & General
Topic: 1987 stlye crash on the way?
Replies: 55
Views: 5663

Re: Annual termite inspection / retreatment. Stumped in Rale

I've owned my home (purchased new, in the Raleigh, NC area) for about 6 years. The home was given a standard termite treatment when built. And I payed the builder-selected pest control vendor $95/yr for a termite inspection. Seemed like a small price to pay. This year, they wanted $400 for a re-tre...
by ndchamp
Sat Jul 27, 2013 9:29 am
 
Forum: Personal Consumer Issues
Topic: Annual termite inspection / retreatment. Stumped in Raleigh.
Replies: 21
Views: 2637

Re: "Extreme" Longevity Annuity

Doesn't sound like a SPIA to me... Single payment yes, IMMEDIATE annuity, no... So it's just yet another deferred annuity where the insurance company will take more of your money. Actually, it sounds more like a Secondary Market Annuity (SMA). Totally illiquid, and lots of lawyers involved. I'd pass.
by ndchamp
Thu Jul 25, 2013 2:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Extreme" Longevity Annuity
Replies: 31
Views: 1175

Re: Pensions, actuaries, and stocks for the long run

[OT comments and link to article regarding proposed legislation removed by admin LadyGeek]
by ndchamp
Sun Jul 21, 2013 4:42 pm
 
Forum: Investing - Theory, News & General
Topic: Pensions, actuaries, and stocks for the long run
Replies: 155
Views: 10623

Re: forced annuity changes-is it legal

Thanks for the article. While I may "build my own" annuity, I do not plan on purchasing one. How do you build your own annuity? http://wpfau.blogspot.com/2012/09/an-efficient-frontier-for-retirement.html or http://www.financial-planning.com/fp_issues/2011_4/diy-annuity-2672150-1.html?zkPr...
by ndchamp
Mon Jul 15, 2013 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: forced annuity changes-is it legal
Replies: 18
Views: 1371

Re: forced annuity changes-is it legal

. Fundamentally you are trading your cash for a promise that the company will pay you in the future. They make promises, but it is hardly unknown for the companies to get in financial trouble and be unable to meet these commitments. Has any Annuity owner has ever lost their money from an insurance ...
by ndchamp
Mon Jul 15, 2013 9:04 am
 
Forum: Personal Finance (Not Investing)
Topic: forced annuity changes-is it legal
Replies: 18
Views: 1371

Re: Immediate Variable Annuity

First, other than one exception that I can think of there's no such thing as an immediate variable annuity. You either have an immediate annuity or a variable annuity. Really? Vanguard offers one through AIG. And if you have a VA at Vanguard (Monumental Life) you can annuitize it, either fixed or v...
by ndchamp
Sat Jul 13, 2013 2:15 pm
 
Forum: Investing - Theory, News & General
Topic: Immediate Variable Annuity
Replies: 21
Views: 1811

Re: Transfer Traditional IRA to TSP

The transfer process is always a little longer than you think. I don't have tsp experience but typically you work with the gaining firm to initiate this, not the losing firm. Nope. You have to do the TSP paperwork, send it to Fidelity (call first and get a name),then Fidelity transfers to the TSP. ...
by ndchamp
Sat Jul 13, 2013 1:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Transfer Traditional IRA to TSP
Replies: 12
Views: 695

When is an Annuity Guarantee NOT a Guarantee?

"According to a letter dispatched last month by Hartford to annuity holders. It is requiring at least 40% of clients' money to be in fixed-income funds. If clients don't allocate their holdings accordingly by Oct. 4, the guarantee "WILL BE REVOKED," the letter declared in bold type&qu...
by ndchamp
Tue Jul 09, 2013 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: When is an Annuity Guarantee NOT a Guarantee?
Replies: 2
Views: 316

Re: Which is the best "Lazy Portfolio" - and do you follow t

Paul B. Farrell's Lazy Person's Guide to Investing mentions Vanguard Wellington Fund as an easy one-fund lazy portfolio.
I like it! :beer
by ndchamp
Fri Jul 05, 2013 12:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Which is the best "Lazy Portfolio" - and do you follow them?
Replies: 47
Views: 7449

Re: Active Gardening Forums?

Great info from folks into Earthbox gardening.
Love my EBs.
http://forum.earthbox.com/index.php
by ndchamp
Sun Jun 30, 2013 9:33 am
 
Forum: Personal Consumer Issues
Topic: Active Gardening Forums?
Replies: 11
Views: 1009

Re: Anybody who bought a Kindle go back to regular books?

I started with one of the Original Kindles, upgraded to a Keyboard, and now have a Paper White.
So, rather than "go back" to regular books I've gone forward to improved and better Kindles.
For my reading habits, mostly cop, crime, and thriller novels, the Kindle is perfect.
by ndchamp
Sat Jun 29, 2013 9:37 pm
 
Forum: Personal Consumer Issues
Topic: Anybody who bought a Kindle go back to regular books?
Replies: 74
Views: 4404

Re: Hearing Aids

Meebers, I believe it is the consonants that are most affected by high-frequency hearing loss. The High-Freq loss is a big problem with women's and children's voices. Especially in a noisy environment. If you are having issues understanding the waitress in a restaurant, that may be the reason. It c...
by ndchamp
Sat Jun 29, 2013 6:52 pm
 
Forum: Personal Consumer Issues
Topic: Hearing Aids
Replies: 72
Views: 4956

Re: Hearing Aids

BCBS has recently given some coverage for hearing aids. I paid about half price for my Siemens. :moneybag
But most insurances will cover a hearing exam if recommended by your primary physician. Take your audiogram to Costco some great low-cost aids, and an in-store test drive.
by ndchamp
Sat Jun 29, 2013 9:54 am
 
Forum: Personal Consumer Issues
Topic: Hearing Aids
Replies: 72
Views: 4956

Re: Are safe bonds safe enough & why wait on SPIA Annuity?

Take an objective look at an IVA (of any company, but take an especially strong look at those with lowest cost). People are too quick to dismiss an IVA. The mechanics of an IVA are unchanged from when CREF (of TIAA-CREF) introduced it in 1952. Insurance companies can offer these safely, without any...
by ndchamp
Fri Jun 28, 2013 6:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are safe bonds safe enough & why wait on SPIA Annuity?
Replies: 37
Views: 3550

Re: The Case for Index Fund Portfolios

I'm curious where Wellington/Wellesley fall into something like this? I know when I do back testing using Simba's old spreadsheet, rarely is a combination of the two beaten by a combination of index funds. I hold them both in my taxable account and I've considered moving to a straight index model i...
by ndchamp
Thu Jun 27, 2013 9:19 am
 
Forum: Investing - Theory, News & General
Topic: The Case for Index Fund Portfolios
Replies: 35
Views: 4557

Re: Are safe bonds safe enough & why wait on SPIA Annuity?

Quant, perhaps I misunderstood some of your previous posts, but as soon as you start with guarantees and lifetime payments with regard to IVAs you are entering territory that has expenses associated with it. The simplest bare bones IVA can be relatively low cost, but offers none of the bells and wh...
by ndchamp
Thu Jun 20, 2013 9:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Are safe bonds safe enough & why wait on SPIA Annuity?
Replies: 37
Views: 3550

Re: Are hybrid cars cost effective?

Depends on your driving but consumer reports says hybrids are among the cheapest cars to operate over five years. Not just gas but maintenance and reliability. They discourage buying luxury hybrids. We own a prius and are stunned by the technology and mileage and will never go back to a regular car...
by ndchamp
Wed Jun 19, 2013 11:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Are hybrid cars cost effective?
Replies: 109
Views: 6973

Re: Investor Analysis of Index Annuities

First see what you're REALLY getting in a fixed income option.
Probably no need to go any further.
Moshe A Milevsky offers a way to do that.
http://www.advisorone.com/2009/08/01/annuity-analytics-what-is-a-guaranteed-rate-really
by ndchamp
Wed May 22, 2013 11:59 am
 
Forum: Investing - Theory, News & General
Topic: Investor Analysis of Index Annuities
Replies: 24
Views: 1735

Re: Windows 8/7

Just saw on the news that Microsoft has admitted that Windows 8 is a total failure, and they're going to totally revamp it. It remains to be seen what will remain of Windows 8. Yep. Microsoft admits failure on Windows 8. http://www.marketwatch.com/story/microsoft-admits-failure-on-windows-8-2013-05...
by ndchamp
Tue May 07, 2013 9:28 am
 
Forum: Personal Consumer Issues
Topic: Windows 8/7
Replies: 69
Views: 4572

Re: Gardening, the new year

No digging, no weeding. :D Earthboxes on my patio, easy gardening. Better Bush Improved, Husky Red Cherry, and Cherokee Purple tomatoes in 3 boxes. Sweet Slice and Sweet Success cucumbers in another 2 boxes. Ambrosia Melons in another 2 boxes. Still room for another Earthbox or 2, if I want to exper...
by ndchamp
Sat Apr 27, 2013 10:32 am
 
Forum: Personal Consumer Issues
Topic: Gardening, the new year
Replies: 90
Views: 8033

Re: Preparing for RMD from TSP

TSP did send me a letter a few months before the year I turned RMD age. October? November? Of course, at that point the exact monthly payment can't be determined. If I remember correctly, they also included the Forms and the Withdrawal booklet. Plenty of time to get the needed (In my case) spousal s...
by ndchamp
Fri Apr 26, 2013 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Preparing for RMD from TSP
Replies: 10
Views: 691

Re: Septic system woes

Not a water problem, it's solids sinking to the bottom problem. Our neighborhood has city water but no city sewers. So the city also does septic maintenance (an extra $3 a month on the water bill). When we moved into the home, I went to City Hall and talked to the Water Dept folks. They said that th...
by ndchamp
Thu Apr 25, 2013 8:33 am
 
Forum: Personal Consumer Issues
Topic: Septic system woes
Replies: 104
Views: 5967

Re: RMD from TSP

Sorry. I still find this very confusing, which gives me more incentive to transfer my entire TSP to Vanguard. I'm sorry, Gordon, after a career working for the government you're telling me that you find this confusing? :mrgreen: :P (I can't take mine out. If I roll it over to an IRA it becomes taxa...
by ndchamp
Wed Apr 24, 2013 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD from TSP
Replies: 48
Views: 1310

Re: RMD from TSP

I am well into the RMD process. Some time back (Dinosaurs roamed the earth) I consolidated my other tax-deferred accounts into my TSP for the sake of costs and simplicity. One of my better decisions. :greedy Have you tried to roll-over some of your monthly TSP distributions into an IRA? These would...
by ndchamp
Wed Apr 24, 2013 5:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD from TSP
Replies: 48
Views: 1310

Re: RMD from TSP

retiredjg hit it on the head. I don't think Webster defines "full withdrawal" to include monthly payments. I do want to thank all those that responded. It appears that none of the responders have actually started the RMD process at TSP. I am well into the RMD process. Some time back (Dino...
by ndchamp
Wed Apr 24, 2013 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD from TSP
Replies: 48
Views: 1310
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