Search found 29 matches

by parastoo
Mon May 02, 2016 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Withdrawals in retirement but not about withdrawal method
Replies: 2
Views: 524

Withdrawals in retirement but not about withdrawal method

Hi, I'm retired. My AA is 30% stock funds/70% TSP G fund. I want to withdraw X number of dollars per year. Should I withdraw 30% from the stock portion and 70% from the G fund portion or is there another way I should do be doing this? How do other BH's take their distributions? Thanks, Mark
by parastoo
Mon Mar 07, 2016 12:16 pm
Forum: Investing - Theory, News & General
Topic: What to do if bonds have negative returns?
Replies: 68
Views: 7989

Re: What to do if bonds have negative returns?

Hi,
If you of retirement age what about buying an SPIA?
by parastoo
Sat Mar 05, 2016 3:35 pm
Forum: Investing - Theory, News & General
Topic: Negative interest rates and SPIA
Replies: 1
Views: 303

Negative interest rates and SPIA

Hi, How, or would, negative interest rates affect an existing SPIA or one to be issued in the future? I assume that one to be purchased in the future would pay less but would negative rates affect an insurers ability to pay until the annuitant's death? Thanks, Mark
by parastoo
Sat Jan 09, 2016 11:32 am
Forum: Personal Consumer Issues
Topic: The Big Short
Replies: 176
Views: 20521

Re: The Big Short

Hi,
There's a book, a novel - "The Curious Incident of the Dog in the Night-Time" that might be interesting to read in regards to the Michael Burry character. I saw the play.
Mark
by parastoo
Wed Dec 09, 2015 6:11 pm
Forum: Personal Consumer Issues
Topic: NYC in early December
Replies: 29
Views: 3604

Re: NYC in early December

Hi everybody, Thanks for the replies. Due to terrorism related concerns on the part of one member of the party[her] and not wanting to pay $380.00 DOLLARS !!! FOR THE CHEAPEST "HAMILTON" seats [me] we decided to go to Florida for a few days [Sarasota], see "West Side Story",and h...
by parastoo
Tue Nov 17, 2015 4:06 pm
Forum: Personal Consumer Issues
Topic: NYC in early December
Replies: 29
Views: 3604

NYC in early December

Hi, We're thinking of going to NYC for 3-4 days in a couple of weeks. Any recommendations for a lower priced, decent place to stay in Manhattan? Also, any opinions about Peter Lugers? Thanks, Mark
by parastoo
Thu Oct 01, 2015 5:58 pm
Forum: Personal Consumer Issues
Topic: What is your car buying strategy?
Replies: 84
Views: 5824

Re: What is your car buying strategy?

Hi,
I haven't taken time to read the whole post so I don't know if anyone has mentioned this but Edmunds has a Values & Prices Paid forum that I found helpful when I bought new Accord last year.
Mark
by parastoo
Tue Sep 29, 2015 10:56 am
Forum: Investing - Theory, News & General
Topic: A financial formula
Replies: 8
Views: 1292

Re: A financial formula

Hi,
Thanks Bahama Man . That's what I was looking for.
by parastoo
Tue Sep 29, 2015 10:28 am
Forum: Investing - Theory, News & General
Topic: A financial formula
Replies: 8
Views: 1292

A financial formula

Hi,
I have a sum of money. I'm going to subtract a set amount per year until the sum is depleted and I'm going to get a constant percentage return until the sum is depleted. Is there a financial formula that will tell me how many years until the money is gone?
Thanks ,
Mark
by parastoo
Tue Oct 14, 2014 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Paid back Social Security
Replies: 3
Views: 719

Paid back Social Security

Hi,
I did a withdrawal of ss benefits earlier this year after starting benefits in April 2013. Which tax forms and publications am I going to need to do my taxes next year?
Thanks,
Mark
by parastoo
Sun Jul 27, 2014 2:48 pm
Forum: Personal Consumer Issues
Topic: Buying A New Car
Replies: 7
Views: 848

Re: Buying A New Car

HI,
Thanks
by parastoo
Sun Jul 27, 2014 2:29 pm
Forum: Personal Consumer Issues
Topic: Buying A New Car
Replies: 7
Views: 848

Buying A New Car

Hi, I'm thinking about buying a new car[ Honda]. Do car car dealers have exclusive selling areas that they are allowed to sell in? Or can they sell to anyone anywhere in the country? Was thinking about trying to do a reverse? auction between dealers. Thanks
by parastoo
Thu Apr 17, 2014 7:21 pm
Forum: Personal Consumer Issues
Topic: Help me find the right used car.
Replies: 23
Views: 2507

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
Tue Mar 18, 2014 1:02 pm
Forum: Personal Consumer Issues
Topic: Girl Scout Cookies
Replies: 22
Views: 2648

Girl Scout Cookies

Hi,
Does anyone know of a civilian version of Girl Scout Thin Mint Cookies?
Thanks,
M.
by parastoo
Fri Mar 14, 2014 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone purchased an inflation adjusted SPIA?
Replies: 24
Views: 2951

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
Sat Mar 08, 2014 5:05 pm
Forum: Investing - Theory, News & General
Topic: SPIA contracts
Replies: 1
Views: 294

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
Fri Mar 07, 2014 10:23 pm
Forum: Personal Consumer Issues
Topic: Mouse/Rat traps
Replies: 29
Views: 2575

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 Feb 28, 2014 12:56 pm
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 613
Views: 182393

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
Tue Feb 25, 2014 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Social Security Withdrawal of Application
Replies: 2
Views: 338

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 11:49 am
Forum: Investing - Theory, News & General
Topic: Self protecting a SPIA against inflation
Replies: 47
Views: 2956

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
Mon Feb 24, 2014 12:26 pm
Forum: Personal Consumer Issues
Topic: The role of a construction manager
Replies: 8
Views: 693

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
Sat Feb 22, 2014 5:11 pm
Forum: Personal Consumer Issues
Topic: The role of a construction manager
Replies: 8
Views: 693

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 4:29 pm
Forum: Investing - Theory, News & General
Topic: Self protecting a SPIA against inflation
Replies: 47
Views: 2956

Re: Self protecting a SPIA against inflation

Hello,
Thanks to everyone for the replies. As always, interesting and helpful.
M.
by parastoo
Fri Feb 21, 2014 11:05 am
Forum: Investing - Theory, News & General
Topic: Self protecting a SPIA against inflation
Replies: 47
Views: 2956

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
Tue Feb 18, 2014 6:16 pm
Forum: Investing - Theory, News & General
Topic: Deferred Income Annuity/Longevity Insurance
Replies: 42
Views: 4085

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
Thu May 30, 2013 12:50 pm
Forum: Personal Consumer Issues
Topic: Long Distance Walking
Replies: 143
Views: 17909

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
Sat Apr 06, 2013 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Funding My Retirement:Withdrawal Strategy One
Replies: 4
Views: 1381

Re: FUnding My Retirement:Withdrawal Strategy One

Hi umfundi,
Thanks for the reply.
M
by parastoo
Sat Apr 06, 2013 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Funding My Retirement:Withdrawal Strategy One
Replies: 4
Views: 1381

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
Fri Apr 05, 2013 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Funding My Retirement:Withdrawal Strategy One
Replies: 4
Views: 1381

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...

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