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Search: Posts Made By: Spectrum
Forum: Non-Actuarial Personal Finance/Investing 06-17-2016, 02:43 PM
Replies: 2
Views: 567
Posted By Spectrum
If I'm reading this correctly, you have several...

If I'm reading this correctly, you have several junk bonds/investments that you should probably evaluate for selling:
You have a muni bond yielding 6% ?!? Did you buy that bond 15 years ago? ...
Forum: Pension - Social Security 02-10-2012, 06:25 PM
Replies: 585
Views: 80,312
Posted By Spectrum
Lima Bean, "Hey -- SOA or AAA? This would be a...

Lima Bean, "Hey -- SOA or AAA? This would be a great time to make a call to Cullerton or his staff. Or just call the media. "

Don't wait for the SOA to educate. Send your own email. Include a...
Forum: Pension - Social Security 02-06-2012, 02:53 PM
Replies: 585
Views: 80,312
Posted By Spectrum
From Providence "city retirees, whom he said need...

From Providence "city retirees, whom he said need to sacrifice their 6% COLAs and lifetime Blue Cross coverage". 6% COLAs !?! No wonder they are going bankrupt. Those 6% COLAs might have been...
Forum: Non-Actuarial Personal Finance/Investing 01-05-2012, 02:08 PM
Replies: 43
Views: 4,955
Posted By Spectrum
S&P500 - 1,400 Infaltion - CPI - 2% US...

S&P500 - 1,400
Infaltion - CPI - 2%
US Unemployment - 8.0%
Yield of 10 Year Treasury - 2%
Forum: Life 09-26-2011, 06:57 PM
Replies: 17
Views: 3,420
Posted By Spectrum
You just paid $100 for each of the bonds, so...

You just paid $100 for each of the bonds, so logically they should still be worth $100 each when you put them on your balance sheet at the end of the day. If you assume the corporate bond...
Forum: Finance - Investments 09-19-2011, 02:27 PM
Replies: 585
Views: 170,650
Posted By Spectrum
Refinancing a $3b debt with $2b sounds an awful...

Refinancing a $3b debt with $2b sounds an awful lot like "default". I guess it just sounds better if it is advertised as "avoiding bankruptcy".
Forum: Life 09-14-2011, 10:19 AM
Replies: 18
Views: 4,467
Posted By Spectrum
http://www.usatoday.com/news/nation/2004-05-31-war...

http://www.usatoday.com/news/nation/2004-05-31-war-widow_x.htm

When a 93 year old guy with a miltary pension marries an 18 year old, 140 years later you can finally stop running the valuation...
Forum: Non-Actuarial Personal Finance/Investing 09-09-2011, 12:08 PM
Replies: 7
Views: 1,691
Posted By Spectrum
Treasuries are like any loan, we want to know if...

Treasuries are like any loan, we want to know if we are going to get paid back. Will the government start spending less than it takes in in taxes to pay us back or just run the priniting presses and...
Forum: Non-Actuarial Personal Finance/Investing 05-13-2011, 02:21 PM
Replies: 8
Views: 1,048
Posted By Spectrum
Put yourself in the lender's shoes. How much...

Put yourself in the lender's shoes. How much will they really loan you if your "work little"? Here's another strategy, "work hard party hard". Just make the most of your weekends after a good week...
Forum: Non-Actuarial Personal Finance/Investing 05-03-2011, 09:18 PM
Replies: 1
Views: 756
Posted By Spectrum
If you think you will need the money in less than...

If you think you will need the money in less than 3 years, just buy a money market fund. Otherwise Vanguard has some excellent bond index funds if you are willing to take some interest rate risk or...
Forum: Finance - Investments 03-23-2011, 10:57 AM
Replies: 585
Views: 170,650
Posted By Spectrum
I've been following the whole M.W. prediction and...

I've been following the whole M.W. prediction and fallout. One item of note is that the Build America Bond federal stimulus program ended on 12/31/10. States rushed to the market with offerings...
Forum: Non-Actuarial Personal Finance/Investing 03-10-2011, 10:25 AM
Replies: 4
Views: 1,268
Posted By Spectrum
Banks offer savings and checking accounts to...

Banks offer savings and checking accounts to customers paying 0% interest. Then they loan you money for a house at 5% interest. That gives them a 5% spread to pay the bills. Also, when they run...
Forum: Pension - Social Security 03-10-2011, 10:13 AM
Replies: 138
Views: 34,997
Posted By Spectrum
http://online.wsj.com/article/SB100014240527487036...

http://online.wsj.com/article/SB10001424052748703662804576188843415326976.html

GAAP accounting to the rescue my friends. Gather round Gather round. Have a large unfunded pension liability that's...
Forum: Pension - Social Security 02-15-2011, 01:47 PM
Replies: 3
Views: 1,385
Posted By Spectrum
The plan sponsor incurrs costs when offering a...

The plan sponsor incurrs costs when offering a 401k. The matching dollars, the administration expenses. Those costs might be reduced by unvested employees quitting the company, or the investment...
Forum: Non-Actuarial Personal Finance/Investing 01-25-2011, 10:34 AM
Replies: 26
Views: 3,372
Posted By Spectrum
CPI - sure I trust it. But it has flaws for...

CPI - sure I trust it. But it has flaws for sure. The biggest item in there is the basket of goods. If the price of beef doubles and we all start eating more rice, then the impact of the beef...
Forum: Non-Actuarial Personal Finance/Investing 01-24-2011, 02:40 PM
Replies: 26
Views: 3,372
Posted By Spectrum
At the market bottom 2 years ago, the chance of a...

At the market bottom 2 years ago, the chance of a great depression was priced in. We seem to have avoided that. Unemployment is still high at 9% but with a historical perspective 9% is weak but not...
Forum: Life 01-20-2011, 02:02 PM
Replies: 11
Views: 1,368
Posted By Spectrum
Do you have to return the premiums with interest?

Do you have to return the premiums with interest?
Forum: Life 01-20-2011, 01:56 PM
Replies: 8
Views: 1,603
Posted By Spectrum
There's also the possibility that your ex is just...

There's also the possibility that your ex is just trying to get a hold of all your financials... If this is legit, all the insurer needs to know is how much alimony/pension she is due and needs to...
Forum: Finance - Investments 01-20-2011, 01:49 PM
Replies: 4
Views: 3,108
Posted By Spectrum
If long run US stocks have returned 10% a year...

If long run US stocks have returned 10% a year and inflation averaged 3% a year, you would wind up with a 7% real return per year. Not sure if the volatility of real returns is higher or lower.
...
Forum: Finance - Investments 01-11-2011, 02:12 PM
Replies: 4
Views: 3,108
Posted By Spectrum
That distribution will hold if you put all your...

That distribution will hold if you put all your savings in at one point in time. Most people set aside money each year. The volatility of the 20 year returns will be less if you model that pattern.
Forum: General Actuarial 01-10-2011, 02:23 PM
Replies: 32
Views: 4,901
Posted By Spectrum
Step 1) Determine what factors your business line...

Step 1) Determine what factors your business line is sensitive too. Term life is mostly mortality and lapses, Auto insurance might vary by zip code, car type, and the weather.

Step 2) Try and...
Forum: Non-Actuarial Personal Finance/Investing 12-21-2010, 04:34 PM
Replies: 16
Views: 1,583
Posted By Spectrum
Don't invest with family. The likelyhood of your...

Don't invest with family. The likelyhood of your objectives being in sync over the next 20 years is slim. You shouldn't be buying real estate with a short time horizon unless you have a plan to fix...
Forum: Pension - Social Security 12-16-2010, 02:30 PM
Replies: 15
Views: 4,050
Posted By Spectrum
JMO_Fan - That mortality improvement was most...

JMO_Fan - That mortality improvement was most likely driven by less people smoking (Emily had it first). If you split the data into smokers and non smokers, you will see the shift in your smoking...
Forum: Non-Actuarial Personal Finance/Investing 12-08-2010, 03:58 PM
Replies: 25
Views: 2,363
Posted By Spectrum
Thanks for all the advice, humorous or otherwise....

Thanks for all the advice, humorous or otherwise. I'll think long and hard about trying to make it seem like it's my spouse's idea. That could work. Otherwise I really liked the new money 50/50...
Forum: Non-Actuarial Personal Finance/Investing 12-02-2010, 01:46 PM
Replies: 25
Views: 2,363
Posted By Spectrum
Help me with my spouse please

I've been investing in stocks for 20 years. In the 1990s when stock averaged +19% a year I had no trouble with my spouse. Now that the 2000s have returned -1% a year we're constantly arguing over...
Showing results 1 to 25 of 300

 

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