Search found 2017 matches

by beardsworth
Sat May 26, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: Alexa Echo sent family's audio file to a contact
Replies: 58
Views: 4327

Re: Alexa Echo sent family's audio file to a contact

The world will always have Luddites. In functional terms a "Luddite" is just someone who is more cautious about a particular technology than the person wielding the pejorative description "Luddite." :) In any case, anyone using a sophisticated computer on a high speed connection to a personal finan...
by beardsworth
Fri May 25, 2018 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA TRAD as Fixed Income in my AA?
Replies: 9
Views: 673

Re: TIAA TRAD as Fixed Income in my AA?

Brian, that Google search box at the top of the Bogleheads forum page can be your friend. Major aspects of your original post have been discussed here in the past, and therefore you may find the following to be helpful. https://www.google.com/search?sitesearch=bogleheads.org&q=%22tiaa+traditional%22...
by beardsworth
Fri May 25, 2018 6:35 pm
Forum: Personal Consumer Issues
Topic: Alexa Echo sent family's audio file to a contact
Replies: 58
Views: 4327

Re: Alexa Echo sent family's audio file to a contact

Among other places in literature, this kind of situation was already contemplated in Orwell's 1984 , where the televisions watch the people. I agree with previous comments that these kinds of devices are "solutions" in search of a problem, and the idea of having one of these in my home gives me the ...
by beardsworth
Fri May 25, 2018 12:59 pm
Forum: Investing - Theory, News & General
Topic: Is inflation the greatest risk to retirement portfolios?
Replies: 34
Views: 3124

Re: Is inflation the greatest risk to retirement portfolios?

The problem with tilting fixed income heavily toward TIPS is that, by FI standards, they are very volatile. Considering that the most common reason FI is held is for safety (i.e. not being forced to sell at a loss) and reducing portfolio volatility, TIPS may not be appropriate for all of one's FI. ...
by beardsworth
Fri May 25, 2018 12:33 pm
Forum: Investing - Theory, News & General
Topic: Is inflation the greatest risk to retirement portfolios?
Replies: 34
Views: 3124

Re: Is inflation the greatest risk to retirement portfolios?

The problem with tilting fixed income heavily toward TIPS is that, by FI standards, they are very volatile. Considering that the most common reason FI is held is for safety (i.e. not being forced to sell at a loss) and reducing portfolio volatility, TIPS may not be appropriate for all of one's FI. ...
by beardsworth
Thu May 24, 2018 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate
Replies: 67
Views: 3473

Re: TIAA Real Estate

Swensen ( a trustee of TIAA ) also states, “With its inflation-sensitive nature, real estate provides powerful diversification to investor portfolios.” Kind of ironic, isn't it? Just a point of clarification on the phrase I've boldfaced, although not on the subject of TIAA Real Estate itself: David...
by beardsworth
Mon May 07, 2018 10:12 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Guaranteed Annuity
Replies: 83
Views: 3525

Re: TIAA Guaranteed Annuity

TIAA, however, is not attempting to take advantage of investors unlike most structured financial schemes. I agree. There are quite a few rules for certain account types, but the company is, in my opinion, admirably forthright. One example is the "white paper" linked by jjustice a few posts above. O...
by beardsworth
Mon May 07, 2018 10:04 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Guaranteed Annuity
Replies: 83
Views: 3525

Re: TIAA Guaranteed Annuity

What I have a hard time figuring in is how it fits into my overall AA. Should/can/is it advisable to use this in place of bonds? Many TIAA participants do consider TIAA Traditional to be a part of their overall fixed income allocation. But it differs from "bonds" in several ways: If you buy individ...
by beardsworth
Mon May 07, 2018 9:46 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Guaranteed Annuity
Replies: 83
Views: 3525

Re: TIAA Guaranteed Annuity

Thanks for the clarifications, I realize some of these issues, but are still grappling with the complexities of TIAA traditional myself, not being close to the payout phase yet. I was trying to simplify it for the OP, because I think the complexities of the TIAA traditional make it very difficult f...
by beardsworth
Mon May 07, 2018 7:08 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Guaranteed Annuity
Replies: 83
Views: 3525

Re: TIAA Guaranteed Annuity

There are already a lot of good responses. One thing I am gathering from your post I am replying to is that you are conflating the TIAA Traditional investment with an annuity. TIAA Traditional is a low risk investment (guaranteed return, won't go down in value), which, however, comes with the drawb...
by beardsworth
Mon May 07, 2018 6:11 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Guaranteed Annuity
Replies: 83
Views: 3525

Re: Vanguard Guaranteed Annuity

So the interest rate on the monies in my TIAA traditional depends on when it was contributed and I can see it here https://www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933630 under ACCUMULATING STAGE INTEREST CREDITING RATES AS OF 5/01/2018 and then the payout rates a...
by beardsworth
Sun Apr 29, 2018 9:38 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Guaranteed Annuity
Replies: 83
Views: 3525

Re: TIAA Guaranteed Annuity

This is about money that's already in TIAA. It's not about new monies. So perhaps the question should have been about TIAA Guaranteed Annuity at 4%. Perhaps that's a reason not to move the monies out of it, or perhaps move some of it but not all of it. You are apparently focusing on the 4% rate for...
by beardsworth
Sun Apr 29, 2018 9:26 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Guaranteed Annuity
Replies: 83
Views: 3525

Re: TIAA Guaranteed Annuity

Note that this thread was originally titled "Vanguard Guaranteed Annuity" but the OP(?) has now retitled it "TIAA Guaranteed Annuity."
by beardsworth
Sun Apr 29, 2018 9:19 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Guaranteed Annuity
Replies: 83
Views: 3525

Re: Vanguard Guaranteed Annuity

This is about money that's already in TIAA. It's not about new monies. So perhaps the question should have been about TIAA Guaranteed Annuity at 4%. Perhaps that's a reason not to move the monies out of it, or perhaps move some of it but not all of it. You are apparently focusing on the 4% rate for...
by beardsworth
Sun Apr 29, 2018 8:51 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Guaranteed Annuity
Replies: 83
Views: 3525

Re: Vanguard Guaranteed Annuity

In another recent thread https://www.bogleheads.org/forum/viewtopic.php?f=1&t=246749 you were inquiring about the advisability or non-advisability of moving assets from TIAA to Vanguard. Your explanation of the investment options available to you at TIAA included the TIAA Traditional Annuity, and I'...
by beardsworth
Wed Apr 18, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Broke up with my girlfriend for financial reasons: crazy?
Replies: 53
Views: 3452

Re: Broke up with my girlfriend for financial reasons: crazy?

What do you think? I agree that your ex seems to be driving a car more expensive than is appropriate for her financial condition. Otherwise, I find this story rather sad. I *think* it would be a good idea for you to calculate what a $40 dinner, or any other expense involving a companion, represents...
by beardsworth
Sun Apr 15, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: Mozart in the morning, please
Replies: 18
Views: 2357

Re: Mozart in the morning please

Well, we're getting away from the OP's technology-related question, but as long as people are thinking about "music to wake up by" (and hoping I got these links in the right order): Haydn's Morning Symphony https://www.youtube.com/watch?v=7jJYulzqUOI "Sunrise" from Grofé's Grand Canyon Suite https:/...
by beardsworth
Thu Apr 12, 2018 5:47 am
Forum: Investing - Theory, News & General
Topic: I bonds rates and returns
Replies: 7
Views: 1400

Re: I bonds rates and returns

2) " If you redeem an I bond before it is five years old, you will lose the last three months of interest. " I wanted to know, how much I will loose in dollar amount, if I sell the bonds before 5 years ? I have looked for monthly return calculators online, but haven't been able to find one (the one...
by beardsworth
Thu Apr 12, 2018 5:19 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 38085

Re: Name something you bought that wasn't cheap and glad you did

OP, that search box at the top of each forum page can be your friend. Do searches for "splurge" and "extravagance" to view multiple previous threads of this type. Geez....what a buzzkill....what a fun thread! Remodel kitchen and master bath. The master bath is absolutely perfect -- spa like and mak...
by beardsworth
Tue Apr 10, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 38085

Re: Name something you bought that wasn't cheap and glad you did

OP, that search box at the top of each forum page can be your friend.

Do searches for "splurge" and "extravagance" to view multiple previous threads of this type.
by beardsworth
Sun Apr 08, 2018 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Current Thinking About TIAA Real Estate?
Replies: 18
Views: 1228

Re: Current Thinking About TIAA Real Estate?

It was amusing to see the posting of the TREA prices as if divining tea leaves . Since this is a situation where the language of divination intersects nicely with the way people colloquially describe sustained up or down market direction, I would have said "as if looking for bear droppings." :)
by beardsworth
Sat Apr 07, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: [When is going out to a restaurant worth it to you?]
Replies: 71
Views: 5456

Re: Restaurants Vs. Cooking?

When do you pick a restaurant over cooking? Sometimes we'll do go out for something reasonably healthy and not very expensive, e.g., Chipotle or Panera (the soup and salad, not the sweets). Otherwise, I can't even remember the last time we were in a true "restaurant" with wait staff. We just have n...
by beardsworth
Sat Apr 07, 2018 7:47 am
Forum: Investing - Help with Personal Investments
Topic: Current Thinking About TIAA Real Estate?
Replies: 18
Views: 1228

Re: Current Thinking About TIAA Real Estate?

cinghiale, suggest you look at Morningstar's TIAA discussion forum, where not a week passes (and, it seems, sometimes not a day) without a discussion of this vehicle. Just look down the current previous thread title pages for TREA (TIAA Real Estate Account) and other discussions of the current gener...
by beardsworth
Fri Apr 06, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Waterbury, Stowe, Burlington, VT
Replies: 12
Views: 734

Re: Waterbury, Stowe, Burlington, VT

Montpelier is also the site of the New England Culinary Institute, which operates several restaurants.

https://www.neci.edu/our-restaurants.php?tab=3
by beardsworth
Thu Apr 05, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: flood and earthquake insurance for house
Replies: 15
Views: 1138

Re: flood and earthquake insurance for house

My house is not in a flood zone, nor in a seismically active area (I did feel very slight tremors from an earthquake about 150 miles away). However, given that weird things can happen I decided to look into quotes. If I add earthquake ($300) and flood insurance ($450), it will more than double my a...
by beardsworth
Wed Apr 04, 2018 2:34 pm
Forum: Investing - Theory, News & General
Topic: Anyone Pulled the Trigger on Global Wellington/Wellesley?
Replies: 16
Views: 4124

Re: Anyone Pulled the Trigger on Global Wellington/Wellesley?

I think Global Wellington and Global Wellesley could be interesting funds. But each has essentially been treading water during its short life. The "Investor" shares opened in November at $20 per share, and each fund was still very slightly below that at yesterday's close. Of course, markets have se...
by beardsworth
Wed Apr 04, 2018 11:53 am
Forum: Investing - Theory, News & General
Topic: Anyone Pulled the Trigger on Global Wellington/Wellesley?
Replies: 16
Views: 4124

Re: Anyone Pulled the Trigger on Global Wellington/Wellesley?

I think Global Wellington and Global Wellesley could be interesting funds. But each has essentially been treading water during its short life. The "Investor" shares opened in November at $20 per share, and each fund was still very slightly below that at yesterday's close. Of course, markets have see...
by beardsworth
Wed Apr 04, 2018 6:34 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Camry. What's wrong with me?
Replies: 99
Views: 5735

Re: 2018 Camry. What's wrong with me?

wows . . . oohs . . . a nice compliant drive . . . connections . . . excitement. Those are the kinds of qualities one expects, or at least hopes for, in a human spouse. :) A car is for reliable transportation in reasonably pleasant surroundings. The money saved by buying a car like a Camry, instead...
by beardsworth
Sun Apr 01, 2018 7:26 pm
Forum: Investing - Theory, News & General
Topic: “We’re not making enough money off you”
Replies: 62
Views: 10930

Re: “We’re not making enough money off you”

Rick Ferri wrote:
Sun Apr 01, 2018 7:10 pm
bought and held individual bonds until maternity,
Nine months isn't a very long holding period for bonds. :)
by beardsworth
Sun Apr 01, 2018 6:19 am
Forum: Investing - Help with Personal Investments
Topic: Savings Bond Safety
Replies: 15
Views: 1451

Re: Savings Bond Safety

The OP began by asking about people's willingness to buy electronic savings bonds. On that point, I tend to agree with nisiprius, i.e., there doesn't seem to be any particular evidence that non-governmental financial institutions are any safer, or have fewer disclaimers, than Treasury Direct. Nor ha...
by beardsworth
Tue Mar 27, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Grass is always greener, federal edition
Replies: 59
Views: 6694

Re: Grass is always greener, federal edition

A job you enjoy, with stable continued employment prospects; work rules which offer a certain amount of protection of family life against unreasonable time demands from the employer; and a retirement plan essentially free of employer tampering at the expense of the employees; is not something to be ...
by beardsworth
Mon Mar 26, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: Savannah or Charleston?
Replies: 49
Views: 4204

Re: Savannah or Charleston?

That search box at the top of the forum page can be your friend.

For example, these results for a single search but using the names of both cities together:

https://www.google.com/search?sitesearc ... charleston

And, of course, you can also search each name individually.
by beardsworth
Tue Mar 20, 2018 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: "vanguard settlement fund"
Replies: 8
Views: 1323

Re: "vanguard settlement fund"

Although there are people who will feel it doesn't matter much, Vanguard's assorted money market funds don't all operate under identical rules concerning risk, liquidity, and potential additional fees. Under the SEC alteration of money market fund operating rules, funds are generally classified as "...
by beardsworth
Mon Mar 19, 2018 11:34 am
Forum: Investing - Theory, News & General
Topic: TIAA traditional question
Replies: 14
Views: 1086

Re: TIAA traditional question

The liquid version currently pays 3.25%, and the illiquid version pays 4.0%. Those yields are significantly higher than any investment grade bond fund I'm aware of these days. Those numbers are accurate, as far as they go, as a shorthand way of describing current rates for new contributions made th...
by beardsworth
Sun Mar 18, 2018 4:42 pm
Forum: Personal Consumer Issues
Topic: Cabot Trail, Nova Scotia (Cheticamp, Ingonish, Cape Breton)
Replies: 12
Views: 1031

Re: Cabot Trail, Nova Scotia (Cheticamp, Ingonish, Cape Breton)

Can't give any advice on the general topic, as we were there too many years ago to be relevant now.

But I assume the doggy meets Canada's entry requirements?

https://travel.gc.ca/returning/customs/ ... -to-canada
by beardsworth
Sun Mar 18, 2018 2:28 pm
Forum: Investing - Theory, News & General
Topic: TIAA traditional question
Replies: 14
Views: 1086

Re: TIAA traditional question

I first enrolled in TIAA/CREF in 1959. I fear most of the respondents are living in the past. Andrew Carnegie set up TIAA in the early 1900s because he was shocked that most college professors did not have any pension income. For some 70 years, Tiaa/Cref was non-profit and true to Carnegie's plan t...
by beardsworth
Sun Mar 18, 2018 1:05 pm
Forum: Investing - Theory, News & General
Topic: TIAA traditional question
Replies: 14
Views: 1086

Re: TIAA traditional question

You have standard annuity or the inflation linked option? TIAA Traditional can be annuitized for lifetime income under the Standard Method or the Graded Method. In exchange for a lower starting payout, the Graded Method holds back a portion of the "additional amounts" generated by the TIAA general ...
by beardsworth
Tue Mar 13, 2018 9:56 pm
Forum: Investing - Theory, News & General
Topic: Who's doing 100% international equity?
Replies: 79
Views: 9044

Re: Who's doing 100% international equity?

Here's thread, now quite a few years old, exploring a portfolio of only foreign stocks and only U.S. bonds. I bookmarked it at the time because I found the concept interesting.

viewtopic.php?p=581996
by beardsworth
Tue Mar 13, 2018 11:10 am
Forum: Investing - Help with Personal Investments
Topic: TIAA 403b rebalance will force "sale" of Traditional -- Consequences?
Replies: 5
Views: 415

Re: TIAA 403b rebalance will force "sale" of Traditional -- Consequences?

There are a number of people here on Bogleheads who have TIAA accounts, and they may be along to answer your questions. Meanwhile: 1. Did you talk to TIAA itself, before asking strangers here? You can send a Secure Message after logging in to your accounts at the TIAA site. 2. There is a TIAA-specif...
by beardsworth
Tue Mar 13, 2018 7:46 am
Forum: Investing - Theory, News & General
Topic: T Rowe Price?
Replies: 15
Views: 1286

Re: T Rowe Price?

For a while I've been following, but not buying, some T. Rowe Price funds. The main reason for my initial interest in Price was the availability of an "IRA Asset Rebalancing" feature in which an account holder with at least $10,000 (total) in an IRA can specify a particular allocation, by percentage...
by beardsworth
Thu Mar 01, 2018 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: House vs Condo vs Townhouse
Replies: 36
Views: 2735

Re: House vs Condo vs Townhouse

Some say that a townhome or condo is the best of both worlds, because you have fewer responsibilities than with a detached home, but you still own the property and can redecorate or upgrade the interior as you wish. Some way that a townhome or condo is the worst of both worlds, because you have the ...
by beardsworth
Tue Feb 27, 2018 11:22 am
Forum: Local Chapters and Bogleheads Community
Topic: Nisiprius at 35,000 posts
Replies: 60
Views: 4980

Re: Nisiprius at 35,000 posts

Thank you, thank you, thank you... I appreciate the compliment and I'm blushing... but I don't want this sort of attention. You may, if you like, say something when I hit 1,048,576 posts, but, please, not again until then. If you expect people here to withhold praise, appreciation, and applause unt...
by beardsworth
Wed Feb 21, 2018 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance
Replies: 149
Views: 7556

Re: Long term care insurance

Whether for home insurance, long-term care, or any other risk, a decision not to purchase a policy, and to just keep a bunch of money on the sidelines if the need arrives, is not "insuring." No risk is being pooled with anyone else. A more accurate term would simply be "fund my own" or "pay out-of-...
by beardsworth
Wed Feb 21, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 38085

Re: What UN-frugal thing do you do?

OP: If you search for the word "Splurge" you will find many multi-post threads on this topic. Here is a recent one: https://www.bogleheads.org/forum/viewtopic.php?t=222627 And these about "extravagance," with more than 300 posts between them: https://www.bogleheads.org/forum/viewtopic.php?t=36702 h...
by beardsworth
Tue Feb 20, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance
Replies: 149
Views: 7556

Re: Long term care insurance

As with most discussions of this subject, the term "self-insure" has made an appearance. The concept of insurance involves pooling of risk, on the assumption that no one knows in advance which people in the pool will need to use the coverage (I paid premiums into the pool, and I made a claim when my...
by beardsworth
Tue Feb 20, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance
Replies: 149
Views: 7556

Re: Long term care insurance

My husband and I have had John Hancock policies for about 5 years, since our late 50s. We have had two rate hikes but not too dramatic. . . . We like having the peace of mind and can handle the $4k bill each year. Glad you are pleased with your policies from Hancock. However, the OP is asking for r...
by beardsworth
Sat Feb 17, 2018 8:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 408
Views: 42780

Re: Your USER NAME...what does it mean?

Mrs. Uniballer (she hates that name :wink: ) and I raised a Labrador Retriever puppy for Guiding Eyes for the Blind who turned out to be cryptorchid . So "Uniballer" became his nickname. I started using it on web forums, more or less in his memory, some years ago. I assume that, out of a wish to be...
by beardsworth
Mon Feb 12, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: Home buying: how to send postcards to neighborhood we want to live in?
Replies: 38
Views: 3990

Re: Home buying: how to send postcards to neighborhood we want to live in?

Regarding the idea of sending a personal photo and message to potential sellers, I'd imagine the OP just has this in mind: https://www.seattlepi.com/realestate/article/Dear-sellers-letters-work-for-home-buyers-4280034.php https://www.tennessean.com/story/money/homes/2017/02/10/home-buyers-sweeten-of...
by beardsworth
Sun Feb 11, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: Home buying: how to send postcards to neighborhood we want to live in?
Replies: 38
Views: 3990

Re: Home buying: how to send postcards to neighborhood we want to live in?

A Google Maps view will show you the names of streets in the area, if you don't already know them. Then do a Google search for "property" and the name of the county or city. In the results, you can usually identify which URL is a government agency (it may be the county auditor, or appraiser, or tax ...
by beardsworth
Sat Feb 10, 2018 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Hellbent on sustainability funds - which ones?
Replies: 11
Views: 1250

Re: Hellbent on sustainability funds - which ones?

You could check out Northern Global Sustainability Index Fund (NSRIX). It will, however, lean toward large company stocks. I don't own it, but have been watching it for a while. Expense ratio is 0.31% with current small waiver, 0.35% without. https://www.northerntrust.com/wealth-management/united-st...