Search found 1884 matches

by beardsworth
Tue Aug 15, 2017 4:33 am
Forum: Investing - Theory, News & General
Topic: Vanguard seeks corporate disclosure re climate change risks
Replies: 2
Views: 447

Vanguard seeks corporate disclosure re climate change risks

Fellow Bogleheads participants: This is strictly a report of investment news from/about Vanguard. The forum's rules prohibit "political" discussions of climate change itself, or what should or shouldn't be done about it. "Vanguard Group on Monday said it has urged companies to disclose how climate ...
by beardsworth
Sun Aug 13, 2017 7:30 am
Forum: Investing - Theory, News & General
Topic: My (general) contacts with Treasury Direct re loss & liability
Replies: 14
Views: 1817

Re: My (general) contacts with Treasury Direct re loss & liability

The language quoted by lazyday, two posts above, concerning the Treasury Direct customer's responsibility for the use of his/her log-in credentials, is plain in the site's terms of use. That's why, as noted in my original post which started this thread, my inquiries to Treasury specified a loss situ...
by beardsworth
Sat Aug 12, 2017 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: How or if to use TIAA annuity
Replies: 32
Views: 1868

Re: How or if to use TIAA annuity

There may be some pieces of information missing here, or instances where different posters may seem to be talking about the same thing but are not. First, unless TIAA has introduced some new account type unfamiliar to me, TIAA Traditional with a 3% minimum accumulating rate is no longer available in...
by beardsworth
Sat Aug 12, 2017 12:57 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 407
Views: 55338

Re: Forum software upgrade bug reports and change requests

In the time since the upgrade, I've been exchanging private messages with another forum participant. The site has not been sending me an e-mail to tell me that a new incoming PM is waiting to be claimed. It always did so in the past. Thanks for all you do, and for troubleshooting these latest small ...
by beardsworth
Fri Aug 11, 2017 7:53 am
Forum: Investing - Theory, News & General
Topic: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)
Replies: 34
Views: 4235

Re: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)

For IRAs, you can take an RMD from 1 account that represents the requirement of all your IRAs. As I I understand it, this is not so for multiple 401K accounts, you have to take RMDs from each account separately. Plus ROTH 401ks also require RMDs. Yes. For reasons I've never understood, probably rel...
by beardsworth
Thu Aug 10, 2017 8:47 am
Forum: Investing - Theory, News & General
Topic: My (general) contacts with Treasury Direct re loss & liability
Replies: 14
Views: 1817

My (general) contacts with Treasury Direct re loss & liability

I’m posting this in order to share information which may be of interest to other forum participants who buy securities, in particular I Bonds (U.S. Savings Bonds, Series I) through Treasury Direct. And the story is rather long because it involved multiple rounds of communication with Treasury. I wou...
by beardsworth
Sun Aug 06, 2017 5:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: Is the Munchkin MAN still alive?
Replies: 15
Views: 4280

Re: Is the Munchkin MAN still alive?

I also miss him, and his unique online "voice." I had the recollection that he lives/lived in Norfolk, VA. I did a Google search for "Norfolk Munchkin Man," and this was among the results, containing a post from last September. I have no idea of his current status other than this. http://forums.eog....
by beardsworth
Sun Aug 06, 2017 10:43 am
Forum: Investing - Theory, News & General
Topic: Vanguard Treasury Money Market Fund (VUSXX)
Replies: 5
Views: 891

Re: Vanguard Treasury Money Market Fund (VUSXX)

In addition to my post above, describing "how things came to be this way" concerning this fund, I should note that, while it takes $50,000 to open an account in VUSXX, you don't necessarily have to continuously kee p $50,000 in it thereafter, especially if it's held in a Vanguard IRA. Like many othe...
by beardsworth
Sat Aug 05, 2017 10:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Treasury Money Market Fund (VUSXX)
Replies: 5
Views: 891

Re: Vanguard Treasury Money Market Fund (VUSXX)

The answer to the OP's question derives from the history of the fund. For years before the financial crash, Vanguard had Investor Shares (Vanguard fund 0050) and Admiral Shares (Vanguard fund 0011) of Treasury Money Market. With the coming of near–zero interest rates, so that the investment yield on...
by beardsworth
Thu Aug 03, 2017 1:00 pm
Forum: Investing - Theory, News & General
Topic: The Rise From 7,000 to 22,000
Replies: 49
Views: 6398

Re: The Rise From 7,000 to 22,000

But I keep wondering how many people on this forum are still buying at current prices (especially through voluntary purchases, as opposed to automated payroll contributions) and how many have been wary by the constant setting of new record highs and have decided to stop. Well, depends on how you lo...
by beardsworth
Thu Aug 03, 2017 12:48 pm
Forum: Investing - Theory, News & General
Topic: The Rise From 7,000 to 22,000
Replies: 49
Views: 6398

Re: The Rise From 7,000 to 22,000

There's no doubt that anyone who hung on from 2009 forward is sitting pretty. But I keep wondering how many people on this forum are still buying at current prices (especially through voluntary purchases, as opposed to automated payroll contributions) and how many have been wary by the constant set...
by beardsworth
Wed Aug 02, 2017 7:26 pm
Forum: Investing - Theory, News & General
Topic: The Rise From 7,000 to 22,000
Replies: 49
Views: 6398

Re: The Rise From 7,000 to 22,000

There's no doubt that anyone who hung on from 2009 forward is sitting pretty. But I keep wondering how many people on this forum are still buying at current prices (especially through voluntary purchases, as opposed to automated payroll contributions) and how many have been wary by the constant sett...
by beardsworth
Tue Aug 01, 2017 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Using VMVFX Vanguard [Global] Minimum Volatility fund for international.
Replies: 14
Views: 1084

Re: Using VMVFX Vanguard Minimum Volatility fund for international.

I like the fund. I like its quant-driven effort to dampen volatility. As the prospectus and reports say, this is intended to produce smaller losses in down markets, even if it also means reduced gains in boomy-markets. That's fine with me. "Slow(er) but steady(er)" suits me fine. I like th...
by beardsworth
Sun Jul 30, 2017 8:59 am
Forum: Investing - Help with Personal Investments
Topic: All at once or bit by bit?
Replies: 11
Views: 990

Re: All at once or bit by bit?

geltman, enter "lump sum DCA" in that search box at the top of each Bogleheads page, and you will find many previous discussions of this. If this thread follows the trend of its many predecessors, the preponderance of posters will urge you to put the whole batch of money in at once. I disa...
by beardsworth
Sat Jul 29, 2017 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone invest in I Bonds and why?
Replies: 17
Views: 1785

Re: Anyone invest in I Bonds and why?

Type "I Bonds" into that search box at the top of each Bogleheads forum page and you will see a large number of previous discussions.
by beardsworth
Mon Jul 24, 2017 8:44 am
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 31623

Re: John Bogle Has Been Right About Investing In International Stocks

Intending to supplement the discussion rather than distract from it: Whenever I read such threads, many of whose posts mention currency fluctuation concerns, I always wonder how, or if, this is an issue for Vanguard Global Minimum Volatility Fund (VMVFX). To the best of my recollection, from reading...
by beardsworth
Sat Jul 22, 2017 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: What's your personal savings rate?
Replies: 135
Views: 11344

Re: What's your personal savings rate?

Incendiary,

Using that search box at the top of each Bogleheads page for the terms "saving rate income" and "savings rate income" will generate multiple previous threads on this subject which you may find helpful.
by beardsworth
Sat Jul 22, 2017 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard VTINX [Target Retirement Income Fund]
Replies: 8
Views: 874

Re: Vanguard VTINX

roh8372,

If you use that search box at the top of each Bogleheads page, and do searches for "VTINX" and "Vanguard Target Retirement Income," you'll find quite a few previous threads which may be helpful.
by beardsworth
Thu Jul 20, 2017 11:27 pm
Forum: Investing - Help with Personal Investments
Topic: ibond purchases on treasurydirect
Replies: 11
Views: 1304

Re: ibond purchases on treasurydirect

As already noted by letsgobobby, logging into your electronic Treasury Direct account produces only a display of your electronically owned bonds, not your paper ones. And Treasury doesn't directly issue periodic statements for either. The interest on your paper bonds can therefore seem sort of "...
by beardsworth
Thu Jul 20, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Can anyone convince me I need international stock in my portfolio?
Replies: 162
Views: 8401

Re: Can anyone convince me I need international stock in my portfolio?

Use of the forum search box at the top of each page shows that a thread very similar to this one, even down to a thread title in which the OP asked people to "convince" him about international, ran a couple years ago. There's not a whole lot new under the sun. https://www.bogleheads.org/fo...
by beardsworth
Mon Jul 17, 2017 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Are stock market returns doomed by the Baby Boomers?
Replies: 27
Views: 3028

Re: Are stock market returns doomed by the Baby Boomers?

neilsb wrote:
This may be a topic already discussed. If so, I apologize in advance....


Entering "boomers" and "market" in that search box at the top of the forum page does show multiple previous discussions which you may also find thought-provoking.

https://www.google.com/search?sitesearc ... ers+market
by beardsworth
Sun Jul 16, 2017 1:29 pm
Forum: Investing - Theory, News & General
Topic: Is the Total US Stock Market too concentrated?
Replies: 51
Views: 4017

Re: Is the Total US Stock Market too concentrated?

This is a Larry Swedroe column, published last month, about "What Fewer Stocks Mean."

http://www.etf.com/sections/index-inves ... tocks-mean
by beardsworth
Sat Jul 15, 2017 7:20 am
Forum: Personal Finance (Not Investing)
Topic: What am I missing here? [I'm a bachelor]
Replies: 51
Views: 3385

Re: What am I missing here? [I'm a bachelor]

Both renting and owning are mixed bags with their own sets of pros and cons. What's "right" for one person may not be for another. Or what's "right" at one stage of life may change in another. A person who has a space-consuming hobby (woodworking shop, model railroad layout, etc....
by beardsworth
Tue Jul 04, 2017 5:39 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 11316

Re: What do you splurge on?

Entering "splurge" in that Search box at the top of the Bogleheads page shows multiple previous threads on this subject, so you may find the following to be interesting: m And this thread called "That Extravagant Thing You Do": https://www.bogleheads.org/forum/viewtopic.php?t=36702
by beardsworth
Thu Jun 29, 2017 1:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 146
Views: 15927

Re: Vanguard upgraded my accounts - angry

I was considering Vanguard to transfer my IRAs to them, but perhaps this wouldn't be a good choice. I was hoping to avoid brokerage. When my wife rolled money out of a pre-tax employer plan to a new Vanguard pre-tax IRA, Vanguard designated the new account a "brokerage" rollover IRA. She ...
by beardsworth
Thu Jun 29, 2017 1:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 146
Views: 15927

Re: transition to Vanguard brokerage ?

RustyShackleford (original poster) wrote:My question: is there any downside to doing this ?


There is a current thread, just begun yesterday, touching on this question.

viewtopic.php?f=1&t=222234

Using the forum search box at the top of each page also generates these:

https://www.google.com/search?sitesearc ... e+downside

https://www.google.com/search?sitesearc ... advantages
by beardsworth
Thu Jun 29, 2017 11:15 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 146
Views: 15927

Re: Vanguard upgraded my accounts - angry

Before conversion to the brokerage version of our IRAs, we could set up periodic automatic exchanges between Vanguard mutual funds, for example, from a short-term bond fund to a stock fund. Post-brokerage, this is no longer possible, because the brokerage version allows only automatic "purchase...
by beardsworth
Wed Jun 28, 2017 6:01 am
Forum: Investing - Theory, News & General
Topic: Taxes on I Series Bonds negate purchasing power protection?
Replies: 12
Views: 1677

Re: Taxes on I Series Bonds negate purchasing power protection?

If the verb in the thread title was changed from "negate" to "reduce," I'd say the answer is yes. Even I Bonds with a zero percent fixed rate component will, after all, continue to accrue interest at the current Consumer Price Index rate (specifically, the CPI-U), but their net r...
by beardsworth
Thu Jun 22, 2017 7:37 am
Forum: Personal Consumer Issues
Topic: Ideal basement humidity %
Replies: 10
Views: 1249

Re: Ideal basement humidity %

OP, not quite sure why you chose to post a question about basement humidity on a forum that's mainly about personal finance. But if you just do a regular Google search for your own thread title phrase "ideal basement humidity," in quotes, you'll find all sorts of results from home care web...
by beardsworth
Mon Jun 19, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: Charleston and Savannah
Replies: 6
Views: 1009

Re: Charleston and Savannah

It's nearly always a good idea to use that search box at the top of the forum page to see if the subject has been discussed before. In the case of Charleston and Savannah, each has been discussed multiple times, and recently, so you may find the following to be helpful:

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

https://www.google.com/search?sitesearc ... q=savannah
by beardsworth
Sun Jun 04, 2017 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Why not go all-in-for-fixed-income to non-liquid TIAA Traditional?
Replies: 34
Views: 1563

Re: Why not go all-in-for-fixed-income to non-liquid TIAA Traditional?

TIAA Traditional: - non-liquid (RA) version has 3% guaranteed interest, 4% current crediting rate , must withdraw over 10 years I'm getting caught on the language of "must" withdraw over 10 years. It is true that if you seek to access the principal in your Retirement Annuity accumulation ...
by beardsworth
Sat Jun 03, 2017 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Balanced index fund holder - do I need intl?
Replies: 52
Views: 3445

Re: Balanced index fund holder - do I need intl?

Lots of opinions on both sides of the argument - and I get where everyone is coming from. I appreciate all the feedback. I made my decision to go with VBINX based on many boglehead principles, and will continue to do so. That said, I may dip my toes into the intl. pool down the road, but for now I ...
by beardsworth
Mon May 29, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: Retiring in southern college town
Replies: 78
Views: 6136

Re: Retiring in southern college town

Unless you are coming from North Pole, Delaware is NOT a sourthern sate! Really; it is like part of New Jersey/Maryland. Nobody calls them southern states. I believe the poster means Wilmington NC, not Wilmington DE. Although there have been mentions of Wilmington, NC, during the course of this thr...
by beardsworth
Sun May 28, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: Retiring in southern college town
Replies: 78
Views: 6136

Re: Retiring in southern college town

If I were looking for a place to retire in the southeast I would look at Athens, GA, Asheville, NC (home of UNC Asheville) , Charlottsville, VA (Home of UVA) and Savannah, GA and the surrounding areas (St Simons, Beufort, SC...). All are vastly different. We've been checking out possible retirement...
by beardsworth
Sun May 28, 2017 4:35 pm
Forum: Personal Consumer Issues
Topic: Retiring in southern college town
Replies: 78
Views: 6136

Re: Retiring in southern college town

Wilmington, DE is borderline as a "college town" - probably more like Tallahassee. But it is also pretty close to the coast and has pretty good access to the NE and DC, including rail. DE isn't exactly "the south" but the climate is pretty moderate. We have some professional acq...
by beardsworth
Tue May 16, 2017 7:25 am
Forum: Personal Consumer Issues
Topic: Replace floor BEFORE or AFTER New Cabinets?
Replies: 30
Views: 3344

Re: Replace floor BEFORE or AFTER New Cabinets?

Our kitchen has a hardwood floor, but the hardwood only goes to the base of each cabinet (although, where visible, e.g., under the refrigerator, it does extend all the way to the wall). Otherwise, the cabinets themselves are sitting on plywood subfloor, with only strips of quarter-round to hide the ...
by beardsworth
Tue May 09, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term [Care] Rates just went Through the roof!
Replies: 34
Views: 5061

Re: Long Term [Care] Rates just went Through the roof!

The only way I'd ever consider it is if you could buy a fully paid policy and that policy did not have a limit on total benefits. And even then, there'd still be the issue of the insurer going bankrupt. Check oit the newer hybrid LTC policies, they are fully paid up and pay benefits for life. Are y...
by beardsworth
Sat May 06, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: Insulating Walls - Worth it?
Replies: 44
Views: 5430

Re: Insulating Walls - Worth it?

The only way to spray foam is to GUT the interior and then re-drywall everything. A LOT of work and expense that will never pay back in energy bill savings. jharkin, and/or anyone else who knows about this, If a homeowner was replacing all of the exterior wood siding on a house, would it be possibl...
by beardsworth
Fri May 05, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 248
Views: 27983

Re: Where to Live on $60K or Less a Year?

If a person is considering a relocation in connection with retirement, an additional consideration for some may be the minority of states in which Social Security income is subject to state taxation. Among states mentioned repeatedly in this thread, they include Colorado, New Mexico, Montana, and Ut...
by beardsworth
Fri May 05, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 248
Views: 27983

Re: Where to Live on $60K or Less a Year?

Lots of beautiful scenery in Western Washington north of Seattle, perhaps near Bellingham. Mild weather, close to water and mountains. Seattle is close to the south. Vancouver BC close to the north. San Juan Islands, Mount Baker, Mount Rainier, North Cascades. Lots of great options for hiking, biki...
by beardsworth
Fri May 05, 2017 8:13 am
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 248
Views: 27983

Re: Where to Live on $60K or Less a Year?

Ashville, NC area (foothills of the Smoky Mountains) The Commodore knew what he was doing. Agree with you that it's an attractive place, depending on what one is looking for. But it's also Ash e ville. And all that wooded land beyond the city, much of which is now in federally owned national forest...
by beardsworth
Mon May 01, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Dealing with regret
Replies: 102
Views: 9601

Re: Dealing with regret

mfng (original poster): Use that box at the top of the Bogleheads page to do searches for "mistakes" and "regrets" and you will see multiple other threads about this. I don't think anyone gets through life without wishing they'd done some things differently regarding their financ...
by beardsworth
Sat Apr 22, 2017 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Insurance Plans
Replies: 43
Views: 3322

Re: Medigap Insurance Plans

Anyone who wishes to use that search box at the top of the Bogleheads page, looking for the terms Medigap, Medigap F, Medigap G, Medicare supplement, etc., will find many other conversations on this subject.
by beardsworth
Sat Apr 15, 2017 5:04 pm
Forum: Investing - Theory, News & General
Topic: Is there any reason a buy-and-hold investor would buy gold?
Replies: 121
Views: 7360

Re: Is there any reason a buy-and-hold investor would buy gold?

If you go to that search box at the top of the Bogleheads page, and enter "gold," you'll be amazed at the number of times this has been discussed previously. :)
by beardsworth
Sun Apr 09, 2017 7:48 am
Forum: Investing - Theory, News & General
Topic: Value of having TIPS funds?
Replies: 35
Views: 4211

Re: Value of having TIPS funds?

Year………VIPSX…………..............VBMFX…………..........I-bonds….…….......…Inflation 2006……….0.43%.....................4.27%....................4.52%...................3.20% 2007………11.59%....................6.92%....................4.08%...................2.80% 2008………-2.85%....................5.05%.........
by beardsworth
Sun Apr 02, 2017 10:36 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 142
Views: 16700

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Hi Mel,

I've often wondered: If registration typically sells out within days of the initial announcement, would it not be possible in the future to hold the event in a larger space so that more people could attend? Just puzzled. Thanks.
by beardsworth
Fri Mar 31, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: Glacier National Park - where to stay
Replies: 29
Views: 2664

Re: Glacier National Park - where to stay

I don't know if this will meet your definition of "moderately priced," but the Izaak Walton Inn is an interesting place to stay. There are West Glacier and East Glacier entrances to the park itself. There was originally supposed to be a third entrance, midway between them on U.S. 2, and th...
by beardsworth
Wed Mar 08, 2017 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard Balanced Index Fund all you need?
Replies: 58
Views: 9932

Re: Is the Vangaurd Balanced Index Fund all you need?

It looks like the expense ratio for balanced funds is significantly higher than stock funds. If I have a taxable account, could I achieve better returns by simply holding a stock index fund and a bond fund, and balancing them myself? Vanguard's site currently quotes an expense ratio of 0.22% for th...
by beardsworth
Tue Mar 07, 2017 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard Balanced Index Fund all you need?
Replies: 58
Views: 9932

Re: Is the Vangaurd Balanced Index Fund all you need?

It looks like the expense ratio for balanced funds is significantly higher than stock funds. If I have a taxable account, could I achieve better returns by simply holding a stock index fund and a bond fund, and balancing them myself? Vanguard's site currently quotes an expense ratio of 0.22% for th...