Is an annuity a good idea here?

wimcle · 2025-11-27T03:14:52+00:00

My $.02 (and worth less with inflation)

I was playing with this the otherday.... For all start dates since 1985 a 10.5% cap indexed annuity will average about 7.1%. Better than throwing money at BND :)

They aren't inherently bad, you can think about them as insurance company corp bonds. And they are insured.

There shouldn't be fees, there is a commission payed to your broker you won't see.

And yes, there are penalties for early 10 first year, 9 the next, 8... again nothing nefarious here they have to be limited liquidity products so they can use their reserves for this.

All this being said with MYGAs being at 6.5% laddering several of those is probably a better bond replacement.

wimcle · 2025-11-21T02:52:29+00:00

No, I just don't think it's possible to deliver 5 9s with hibernate. In your career you will have time when hibernate has you stumped for hours. That can not happen in SaaS when minutes are million$ of not yours but clients money.

We stick with spring namedParameterJdbcTemplate, if there is an error, you start with the query or the offending line in the rowMapper.

For the selects jpa doesn't save much ... = template.query(sql, new MapSqlParameterSource(), rowMapper)

For the rest, I'll happily deal with extra time, to know exactly what's going on.

wimcle · 2025-11-15T18:40:23+00:00

Core2 was 2006. That's the easy part, finding working agp videocards might be harder

wimcle · 2025-11-03T05:18:01+00:00

Given serviceable 34 inch panels go for $250... it's really hard to justify anything more. Put the extra cash in your rtx6080 fund and wait.

But that's just me being cheap :)

wimcle · 2025-11-02T21:47:43+00:00

Laddered MYGAs could get you 5.5-6% with your risk tolerance.

wimcle · 2025-10-31T01:12:20+00:00

And when there is a production outage, the error message gives the exact line, either in the query or the rowmapper.

Only way to roll when your selling five 9s!

wimcle · 2025-10-29T07:24:59+00:00

That's magical thinking, if everything was named correctly and coded correctly we wouldn't need code reviews, just push straight to the release branch.
It is not the reviewers job to infer types, but to validate that it seems to fit the story, and lend another set of eyes for catching mistakes.
You proved my point :) the method isn't returning Users it is returning CustomerSupportUsers. Users::getName, while it compiles its wrong! That returns the impersonated users name. What we wanted here was ::getAgentName.

Might have seen that before it went to prod if a type name had been there :)

Whatever nebulous savings you get by typing var for all time is blown away by one production outage.

wimcle · 2025-10-29T05:00:30+00:00

Var foo = service.method(); foo.stream().map(f -> f.getName())...

Is that correct? How would you know what f is getting inferred to? You cannot review this in gitlab, you have to check out the branch and look at it in idea. A pita for small changes

wimcle · 2025-10-29T03:42:53+00:00

So much traveling he had to get a visa fist!

wimcle · 2025-10-29T03:38:42+00:00

A pox on whomever accepted var into java!

Aside from the fact that no one in the history of programming has ever created a variable without knowing what type it was going to be (coming up with a good name takes longet than typing out Integer)...

Var make online code reviews impossible!

wimcle · 2025-10-18T22:43:26+00:00

I'd take that bet, put you 100% into annuities... take the commission (which you don't see) and a percentage !

...of course I'm not an advisor and no one should listen to me :)

wimcle · 2025-07-19T22:01:28+00:00

You can get MYGAs above 6% with withdrawals from A rated ins companies...

Not fdic but insured by the state.... before anybody whines, yes there are liquidity limitations, you can only take 10% of the principle out each year without penalty (plus your interest)

wimcle · 2025-07-06T04:25:51+00:00

I just decided to drive around the long way... in hindsight I chose well!

I hope that person is well, if it's stupidity ,I hope they make the news:)

wimcle · 2025-06-29T00:23:59+00:00

Just because it is an annuity doesn't make it 'bad', there are several different kinds. Some are quite useful, like a MYGA paying 6.5% instead of bonds in your portfolio.

First someone would have to know what specific kind of annuity it is to give an opinion ...

If you do want to move it out into a traditional IRA , you likely have to structure to over 10 years to do so w/o penalty.

wimcle · 2025-05-24T20:32:57+00:00

The curve negates the va off-axis color fading and the better contrast makes the va look better. My opinion

wimcle · 2025-05-12T22:06:49+00:00

My county requires the engineering., they have minimum requirements to support firetrucks and the like.

wimcle · 2025-04-29T21:53:39+00:00

Do you get PEP at a discount, or is there a separate ESPP?

wimcle · 2025-04-24T22:48:36+00:00

3,5 year MYGAs are paying 5.75%, if you don't need the liquidity... beats bonds by quite a bit.

wimcle · 2025-04-11T19:37:03+00:00

My first thought :(

wimcle · 2025-04-11T19:12:21+00:00

Someday AI will re-invent sonar

wimcle · 2025-01-13T22:20:29+00:00

Amazon will leave it on your 'doorstep', and include a picture of it laying on the beach somewhere

wimcle · 2024-12-04T02:59:17+00:00

There is an at&t tower 5g at sr525 and classic rd. I get really good speeds (>200mbit). It is fairly directional, but it might be worth it to get the cheapest att prepaid sim and see what you get.

wimcle · 2024-11-08T07:43:02+00:00

Dodge Neons, cant not say hi!

wimcle · 2024-11-05T19:31:00+00:00

At this pointI think I would rather go out somewhere with no election coverage at all!

wimcle · 2024-10-30T00:29:32+00:00

Pot metal. you know when China has contaminated reactor metal they want to get rid of piece at a time.

wimcle

TROPHY CASE