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Re: Help me find the right used car.

Hi,
Is there any way your employer would help you , with cash, to buy a new used car and you would forgo the use of the company car?
M.
by parastoo
Thu Apr 17, 2014 8:21 pm
 
Forum: Personal Consumer Issues
Topic: Help me find the right used car.
Replies: 23
Views: 1972

Girl Scout Cookies

Hi,
Does anyone know of a civilian version of Girl Scout Thin Mint Cookies?
Thanks,
M.
by parastoo
Tue Mar 18, 2014 2:02 pm
 
Forum: Personal Consumer Issues
Topic: Girl Scout Cookies
Replies: 22
Views: 2075

Re: Has anyone purchased an inflation adjusted SPIA?

Hi, I've been thinking about SPIA's lately and it seems to me that if you buy a non indexed SPIA it's a waste of money, and it has nothing to do with current low interest rates. It just seems like a non CPI-U annuity is a depreciating asset. It's like buying a car , you pay $50,000 today and 10 year...
by parastoo
Fri Mar 14, 2014 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Has anyone purchased an inflation adjusted SPIA?
Replies: 24
Views: 2273

SPIA contracts

Hi,
To anyone who has purchased a SPIA . I assume there's a contract that you sign. Are they hard for a layman to understand ?
Thanks,
M.
by parastoo
Sat Mar 08, 2014 6:05 pm
 
Forum: Investing - Theory, News & General
Topic: SPIA contracts
Replies: 1
Views: 228

Re: Mouse/Rat traps

Hi,
If you believe in cruelty to animals, even a mouse, use the glue traps.When you see one of the little creatures with it's head and paws and body stuck to the trap struggling to get free you'll be thrilled.Otherwise don't use them.
M.
by parastoo
Fri Mar 07, 2014 11:23 pm
 
Forum: Personal Consumer Issues
Topic: Mouse/Rat traps
Replies: 29
Views: 1775

Re: Variable Percentage Withdrawal (VPW)

Hi,
For the bond portion could one substitute the G fund from the Thrift Savings Plan?
Thanks,
M
by parastoo
Fri Feb 28, 2014 1:56 pm
 
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 336
Views: 28297

Social Security Withdrawal of Application

Hi, I'm thinking about withdrawing my application for S.S.and re-applying at age 66. I retired at 62.5 and it's nearly a year later. My benefit at 62 would have been $1325 and therefore my benefit at age 66 would have been $1766 if I had waited , not worked and applied at 66. So if I do withdraw and...
by parastoo
Tue Feb 25, 2014 2:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Social Security Withdrawal of Application
Replies: 2
Views: 252

Re: Self protecting a SPIA against inflation

I have been following this thread with interest and decided to post about an option that has not been offered so far. While I like the idea of a SPIA ladder, I think there is another viable insurance option that applies here: a deferred annuity. Bogleheads generally endorse the policy of DIY invest...
by parastoo
Tue Feb 25, 2014 12:49 pm
 
Forum: Investing - Theory, News & General
Topic: Self protecting a SPIA against inflation
Replies: 47
Views: 2277

Re: The role of a construction manager

Hi, Thanks for the replies. The reason I asked was that I've always wanted to build my own house. I recently read a newspaper article where the home owner-builder hired a construction manager but he, the home owner-builder supervised the trades. There was a substantial savings over hiring a general ...
by parastoo
Mon Feb 24, 2014 1:26 pm
 
Forum: Personal Consumer Issues
Topic: The role of a construction manager
Replies: 8
Views: 530

The role of a construction manager

Hi,
In regards to building construction in general and building one's own home in particular what would a construction manager do?
Thanks,
M.
by parastoo
Sat Feb 22, 2014 6:11 pm
 
Forum: Personal Consumer Issues
Topic: The role of a construction manager
Replies: 8
Views: 530

Re: Self protecting a SPIA against inflation

Hello,
Thanks to everyone for the replies. As always, interesting and helpful.
M.
by parastoo
Sat Feb 22, 2014 5:29 pm
 
Forum: Investing - Theory, News & General
Topic: Self protecting a SPIA against inflation
Replies: 47
Views: 2277

Self protecting a SPIA against inflation

HI, I've been thinking of buying a SPIA but I'm concerned about the effects of inflation on the payments. Idon't want to buy one with an inflation or constant % increase rider. Is there some way to self protect against inflation? Say you have 450K. You buy a SPIA with 300K. With the other 150K you b...
by parastoo
Fri Feb 21, 2014 12:05 pm
 
Forum: Investing - Theory, News & General
Topic: Self protecting a SPIA against inflation
Replies: 47
Views: 2277

Re: Deferred Income Annuity/Longevity Insurance

Hi, I don't know if this make's sense but what about buying a ladder of DIA's; buying say 10K worth every year for 10 years from age 60 to 70 with the first one bought starting to pay at age 70? Or would you want to do it backwards? Buy the one starting to pay at age 80 at age 60, then 79 & 61, ...
by parastoo
Tue Feb 18, 2014 7:16 pm
 
Forum: Investing - Theory, News & General
Topic: Deferred Income Annuity/Longevity Insurance
Replies: 32
Views: 1751

Re: Long Distance Walking

Hi
I have'nt read all the replies so maybe someone has suggested this. There is a company in England, Ramblers Holidays,that offers guided hiking trips . You might want to check them out.
Mark
by parastoo
Thu May 30, 2013 1:50 pm
 
Forum: Personal Consumer Issues
Topic: Long Distance Walking
Replies: 133
Views: 13143

Re: FUnding My Retirement:Withdrawal Strategy One

Hi umfundi,
Thanks for the reply.
M
by parastoo
Sat Apr 06, 2013 11:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Funding My Retirement:Withdrawal Strategy One
Replies: 4
Views: 935

Re: FUnding My Retirement:Withdrawal Strategy One

Hi to pkcrafter' Thanks for the reply. I made a mistake;it's about 34% stock/66% GFund. I'm not including any of the non retirement assets in the asset allocation; the gold and silver are for a SHTF situation; most of the rest is for a house. My housing situation is in flux right now; I'm not sure h...
by parastoo
Sat Apr 06, 2013 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Funding My Retirement:Withdrawal Strategy One
Replies: 4
Views: 935

Funding My Retirement:Withdrawal Strategy One

Hi, I need some advice. I'm a recent retiree. FERS participant. Good health with a family history of good health. No heirs No dependents No desire to die rich I'd rather have more money now while I'm young and healthy and can enjoy the money without having to use a cane or a wheelchair. I'm not part...
by parastoo
Fri Apr 05, 2013 11:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Funding My Retirement:Withdrawal Strategy One
Replies: 4
Views: 935

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