Search found 1016 matches

by Tdubs
Sun May 17, 2020 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: College Student: The Lost Summer
Replies: 10
Views: 1728

Re: College Student: The Lost Summer

OP, Your post rang a strong bell with me and compelled me to reply with a suggestion for you and your daughter. My colleague was just lamenting that his only child, who recently turned 6 and was finishing kindergarten, has been alone in his house since mid-March with his two working parents. My col...
by Tdubs
Sun May 17, 2020 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: College Student: The Lost Summer
Replies: 10
Views: 1728

Re: College Student: The Lost Summer

I would guess that a family would hire her for child care duties during the summer since camps are not going to happen. I'm sure your daughter has already thought of this. That is: Just because day cares are closed does not mean that parents do not need child care. Get on it. Yeah, she has one pare...
by Tdubs
Sun May 17, 2020 11:59 am
Forum: Personal Finance (Not Investing)
Topic: College Student: The Lost Summer
Replies: 10
Views: 1728

College Student: The Lost Summer

My daughter is a junior majoring in early childhood education. She just finished her courses online and is staring at a lost summer. Her planned summer job fit her major, working at a nearby daycare facility. That gig, I suspect, won't happen at all, and given the demographics of my household, it mi...
by Tdubs
Sun May 10, 2020 4:32 pm
Forum: Investing - Theory, News & General
Topic: Will "work from home" destroy the commercial real estate market?
Replies: 169
Views: 13089

Re: Will work from home destroy the commercial real estate market?

I wonder how successful WFH is actually going. Most of my colleagues complain about it (and I agree with them, it is a pain). I have even heard folks trying to contrive excuses to have to go in (we are considered essential, so our offices aren't closed, but everyone who can WFH is required to do so...
by Tdubs
Sun May 10, 2020 4:29 pm
Forum: Investing - Theory, News & General
Topic: Will "work from home" destroy the commercial real estate market?
Replies: 169
Views: 13089

Re: Will "work from home" destroy the commercial real estate market?

Many people here said WFH has worked. Have you seen any studies that confirm an increase or flat productivity vs. pre Covid? Furthermore, how are companies measuring employees productivity during a WFH situation? This one is pre-Covid. https://www.gsb.stanford.edu/faculty-research/publications/does...
by Tdubs
Sun May 10, 2020 1:45 pm
Forum: Investing - Theory, News & General
Topic: Will "work from home" destroy the commercial real estate market?
Replies: 169
Views: 13089

Re: Will "work from home" destroy the commercial real estate market?

After current events return to the 'new normal', even if the number of those working from home tripled from what it was prior, around 90% of the workforce would still not be working from home. That will not come remotely close to "destroying the commercial real estate market." You'll be surprised w...
by Tdubs
Thu May 07, 2020 8:12 pm
Forum: Personal Investments
Topic: TIAA Traditional: My Best "Bond" Fund?
Replies: 23
Views: 1774

Re: TIAA Traditional: My Best "Bond" Fund?

During this market correction, I've managed to restrain myself from doing anything with my equity and bond funds. But on Friday, February 28, I made a decision. My TIAA traditional offered a 3.5% lifetime rate (and would reset to the lower March rate on Monday). I do not expect to see that guarante...
by Tdubs
Sun Apr 05, 2020 4:13 pm
Forum: Personal Consumer Issues
Topic: No sports but cable bills unchanged
Replies: 86
Views: 6132

Re: No sports but cable bills unchanged

My FIL gets MASN to watch all Orioles and Nats games. At 91 he is internet illiterate and this is easy for him. Until this thread I hadn't thought about it, but we are being screwed.
by Tdubs
Sun Apr 05, 2020 4:10 pm
Forum: Personal Consumer Issues
Topic: No sports but cable bills unchanged
Replies: 86
Views: 6132

Re: No sports but cable bills unchanged

We cut the cable 3+ years ago because we didn’t want to pay for things we never watched: - Sports - Al Jazeera - Oxygen, HSN, Lifetime - Cartoons - Bad streaming music - Fake News - VH1/MTV - “Reality” shows - Mexican language programming that we can’t understand - ...and many others Instead, like ...
by Tdubs
Thu Mar 19, 2020 5:04 am
Forum: Personal Investments
Topic: TIAA Real Estate Movement
Replies: 76
Views: 4898

Re: TIAA Real Estate Movement

TIAA has added this note to its TREA prospectus. Not a promising sign.

https://www.sec.gov/Archives/edgar/data ... 231820.htm
by Tdubs
Wed Mar 18, 2020 5:29 am
Forum: Investing - Theory, News & General
Topic: 20% unemployment?
Replies: 88
Views: 6715

Re: 20% unemployment?

Isn’t there a statistic that for every X% that unemployment goes up, Y% of people die. That would be a statistics for deaths caused by unemployment. This is a case of unemployment caused by deaths. Did more people die at Chernobyl from radiation's effects or increases in depression, suicide, and al...
by Tdubs
Tue Mar 17, 2020 5:44 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190930

Re: Optimism amongst the panic and worry

To be a Debbie Downer, "its experimental candidate, remdesivir, showed promising results in 14 Americans hospitalized in Japan for the treatment of COVID-19." That's it? And there's this: https://www.statnews.com/pharmalot/2020/03/13/gilead-coronavirus-covid19-clinical-trials/ There's good news out ...
by Tdubs
Tue Mar 17, 2020 9:39 am
Forum: Personal Investments
Topic: TIAA Real Estate Movement
Replies: 76
Views: 4898

Re: TIAA Real Estate Movement

I jumped out on February 28, the last day to get Traditional at 3.5 percent in RA.

In addition to the threat to retail, I think the mass move to teleworking will not be undone. Even partial success will make a lot of companies and government agencies question why they a renting so much space.
by Tdubs
Tue Mar 17, 2020 9:21 am
Forum: Personal Investments
Topic: For those who own TIAA TREA . . . .
Replies: 2
Views: 161

Re: For those who own TIAA TREA . . . .

alex345 wrote:
Tue Mar 17, 2020 9:17 am
I've been pondering... the quarterly redemption window for Q1 runs through end of March I believe.
Yes, you get one shot at it over the next two weeks.
by Tdubs
Tue Mar 17, 2020 9:08 am
Forum: Personal Investments
Topic: For those who own TIAA TREA . . . .
Replies: 2
Views: 161

For those who own TIAA TREA . . . .

You might want to monitor this thread over at Morningstar.

https://community.morningstar.com/t5/TI ... 4414#M5191
by Tdubs
Mon Mar 16, 2020 11:32 am
Forum: Personal Investments
Topic: Who is continuing to buy as planned?
Replies: 119
Views: 8147

Re: Who is continuing to buy as planned?

Every time I chicken out on making a buy, I am rewarded by another market plunge.
by Tdubs
Mon Mar 16, 2020 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Mandated business closures and Unemployment Insurance
Replies: 6
Views: 643

Re: Mandated business closures and Unemployment Insurance

ralph124cf wrote:
Mon Mar 16, 2020 11:14 am
Also, can unemployment insurance be filed online/by phone since no one should be required to stand in line at the unemployment insurance office with COVID-19 active in the country.

Ralph
Good question. I'm surprised by the lack of guidance in these announcements.
by Tdubs
Mon Mar 16, 2020 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Mandated business closures and Unemployment Insurance
Replies: 6
Views: 643

Mandated business closures and Unemployment Insurance

As governors rapidly mandate the closure of restaurants and bars, anyone know how unemployment insurance is treated in such a situation? Any good links to guidance at the federal or state level?
by Tdubs
Sun Mar 15, 2020 7:21 pm
Forum: Investing - Theory, News & General
Topic: Fed Slashes Rates to Fight Coronavirus Slowdown WSJ 3/15/20
Replies: 396
Views: 20330

Re: Federal Reserve cuts rates to zero. Do you think the worst is over?

Maybe Saudi decides to not participate in oil war. Maybe US decides to put massive tariffs on oil. As one heavily invested in the oil industry, I wish that this would happen. Preferably before I get laid off. (I must say, the Saudi’s decision to open up the taps boggles my mind, as does the US appa...
by Tdubs
Sun Mar 15, 2020 7:18 pm
Forum: Investing - Theory, News & General
Topic: Fed Slashes Rates to Fight Coronavirus Slowdown WSJ 3/15/20
Replies: 396
Views: 20330

Re: Fed Slashes Rates to Fight Coronavirus Slowdown WSJ 3/15/20

fatFIRE wrote:
Sun Mar 15, 2020 6:54 pm
With 0% interest rate, time to buy CDs and lock in whatever rates that is non-zero???
Have a CD maturing in two days. Rates are going to look very different by then. Maybe I shouldn't bother renewing it.
by Tdubs
Sun Mar 15, 2020 1:28 pm
Forum: Personal Investments
Topic: TIAA Real Estate Movement
Replies: 76
Views: 4898

Re: TIAA Real Estate Movement

It isn't negativity, it's uncertainty. There is little to gain in buying now and much you may lose. For some time, TREA has been growing at a steady 5 percent rate. So, you might lose out on 1 or 2 percent return if you wait a few months to invest in it. But we really don't know what the coronavirus...
by Tdubs
Sat Mar 14, 2020 2:32 pm
Forum: Personal Investments
Topic: TIAA Real Estate Movement
Replies: 76
Views: 4898

Re: TIAA Real Estate Movement

Given the new COVID-19 pressure on already stressed retail properties, I'd think there is little to lose in watching TREA a few more months before buying new shares. It is a slow-moving battleship of a fund whose performance had already flattened before the latest crisis.
by Tdubs
Sat Mar 14, 2020 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Tips on working from home
Replies: 11
Views: 971

Re: Tips on working from home

I worked from home for 2 years, analytical-type work. The biggest issue was getting my family (husband :shock: ) to understand that “just asking me a quick question” a bunch of times a day blew my ability to concentrate all day long... :wink: . The second biggest issue was learning that no, you can...
by Tdubs
Sat Mar 14, 2020 6:43 am
Forum: Investing - Theory, News & General
Topic: So what does shutting down the US economy for a few months look like?
Replies: 200
Views: 15075

Re: So what does shutting down the US economy for a few months look like?

I know how it looks already. My son works as a line cook in a popular fine dining location. Normally several hundred customers in a shift. Yesterday they had six customers. Over 190 reservations cancelled. Two walk-in customers. Two reservations of two each showed up The restaurant industry is going...
by Tdubs
Wed Mar 11, 2020 9:39 pm
Forum: Personal Investments
Topic: exchange TIAA traditional with Stock during bear market?
Replies: 14
Views: 649

Re: exchange TIAA traditional with Stock during bear market?

Get ready for TIAA Real Estate to drop a bit. It lags significant changes in REITs, which has historically made it so easy to time that TIAA has had to put very significant restrictions on buying it and how much you can own. Yes, though there is a liquidity guarantee once per quarter. Their retail ...
by Tdubs
Wed Mar 11, 2020 9:00 pm
Forum: Personal Investments
Topic: exchange TIAA traditional with Stock during bear market?
Replies: 14
Views: 649

Re: exchange TIAA traditional with Stock during bear market?

If I sell my traditional, it means I lose the savings rate from years ago, right? It will be different when I buy it back? This is where I am confused about. I also have quite some in TIAA real estate. If that does not go down, I can exchange those with total stock? Vintages are complicated and the...
by Tdubs
Wed Mar 11, 2020 11:05 am
Forum: Investing - Theory, News & General
Topic: Any 50+ year olds buying?
Replies: 53
Views: 3864

Re: Any 50+ year olds buying?

I've changed my payroll contributions to 100% equities. If nothing else, it will help rebalance my portfolio and allow me to make small buys across the whole bottom of this downturn.
by Tdubs
Wed Mar 11, 2020 10:21 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296886

Re: Coronavirus and the market

<r>I'm not sure I buy Merkel's prediction that most Germans will be infected, but the fact that the leader of Germany said this indicates we aren't anywhere near the bottom. <br/> <br/> <URL url="https://www.cnbc.com/2020/03/11/angela-merkel-most-people-will-get-the-coronavirus.html"><LINK_TEXT text...
by Tdubs
Wed Mar 11, 2020 10:12 am
Forum: Personal Consumer Issues
Topic: Coronavirus Movie Suggestions
Replies: 104
Views: 7004

Re: Coronavirus Movie Suggestions

For those not yet affected but expecting imminent doom, "On the Beach."
by Tdubs
Wed Mar 11, 2020 4:23 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1592
Views: 146003

Re: Refinance Mega Thread

So the news is confirming what is obvious by the sudden change in rates. They want to slow down the flow. Probably best to wait a month to refinance. Is there a precedent for waiting this amount of time for rates to go back down? Just that: 1) Fed will likely cut rates this month. 2) I expect Treas...
by Tdubs
Tue Mar 10, 2020 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1592
Views: 146003

Re: Refinance Mega Thread

So the news is confirming what is obvious by the sudden change in rates. They want to slow down the flow.

Probably best to wait a month to refinance.
by Tdubs
Mon Mar 09, 2020 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1592
Views: 146003

Re: Refinance Mega Thread

Balanthalus wrote:
Mon Mar 09, 2020 2:04 pm
Has anyone refinanced with PenFed recently? I called them on Friday morning, and they took my name and number and said someone would get back to me, but no return call yet.
I did the same. still waiting.
by Tdubs
Sun Mar 08, 2020 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1592
Views: 146003

Re: Refinance Mega Thread

I think I'm going to wait two weeks.
by Tdubs
Sun Mar 08, 2020 6:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18838
Views: 2633257

Re: U.S. stocks in free fall

drk wrote:
Sun Mar 08, 2020 5:17 pm
stocknoob4111 wrote:
Sun Mar 08, 2020 5:10 pm
oil prices plummet 30%... this thing is going from bad to worse.
Just to be clear: the oil price movement is unrelated to COVID-19. Saudi Arabia declared a price war on crude oil this weekend.
But also anticipation of depressed demand going forward, which is related to Covid.
by Tdubs
Sun Mar 08, 2020 5:04 pm
Forum: Personal Investments
Topic: Anyone else considering moving their bonds to cash
Replies: 41
Views: 3343

Re: Anyone else considering moving their bonds to cash

An argument for 30-year bonds in this very low interest environment: If rates go lower, they help more than they hurt if rates go up.

https://portfoliocharts.com/2019/05/27/ ... convexity/

From a revived thread on convexity.
by Tdubs
Sun Mar 08, 2020 1:19 pm
Forum: Personal Consumer Issues
Topic: St. George, Utah
Replies: 23
Views: 2799

Re: St. George, Utah

Goblue97 wrote:
Sun Mar 08, 2020 1:16 pm
Good afternoon everyone. Looking for recommendations for St. George, Utah such as where to stay and what to do for trip in mid April and also if you preferred any towns nearby instead of St. George. We do also plan on a Zion NP visit. Thanks in advance.
And Bryce,?
by Tdubs
Sun Mar 08, 2020 12:08 pm
Forum: Personal Investments
Topic: TIAA Traditional: My Best "Bond" Fund?
Replies: 23
Views: 1774

Re: TIAA Traditional: My Best "Bond" Fund?

I am keeping an eye on what they do with new vintages as well as "additional amount" component in what appears to be an era of unprecedented low interest rates. Hopefully TIAA's stockpile of 30Y Treasuries will smooth things out and keep Traditional sustainable. So far so good. About half of our bo...
by Tdubs
Sun Mar 08, 2020 12:03 pm
Forum: Personal Investments
Topic: TIAA Traditional: My Best "Bond" Fund?
Replies: 23
Views: 1774

Re: TIAA Traditional: My Best "Bond" Fund?

... Thoughts? I have some friends that retired from careers as teachers and they love their TIAA traditional. My only thought is to make sure you have some asset you can readily liquidate if needed. Yes, I will have liquidity elsewhere in my portfolio, and if need be, I could get a 1/10 of this acc...
by Tdubs
Sun Mar 08, 2020 10:50 am
Forum: Personal Investments
Topic: TIAA Traditional: My Best "Bond" Fund?
Replies: 23
Views: 1774

TIAA Traditional: My Best "Bond" Fund?

During this market correction, I've managed to restrain myself from doing anything with my equity and bond funds. But on Friday, February 28, I made a decision. My TIAA traditional offered a 3.5% lifetime rate (and would reset to the lower March rate on Monday). I do not expect to see that guarantee...
by Tdubs
Sun Mar 08, 2020 9:17 am
Forum: Investing - Theory, News & General
Topic: Chinese Stocks during the COVID-19 Pandemic
Replies: 95
Views: 8245

Re: Chinese Stocks during the COVID-19 Pandemic

So all we gotta do is be just like the Chinese government and everything will work out fine. I feel much better.
by Tdubs
Sun Mar 08, 2020 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1592
Views: 146003

Re: Refinance Mega Thread

was thinking to pay it off in 6-7 years. Or should I just pay my monthly and invest the rest to comply with the 10-year loan? What's your suggestion? Only that if your target pay-off date was the same, this would be an easy calculation. As long as you save more than your closing costs in 6-7 years,...
by Tdubs
Sun Mar 08, 2020 7:58 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296886

Re: Coronavirus and the market

For some perspective, from Dennis Prager : According to the CDC, [in 2009] the swine flu infected approximately 61 million Americans, of whom 12,269 died. To put that into perspective, also according to the CDC, the next season’s flu, that of 2010-2011, killed about 37,000 Americans; in 2012-2013, ...
by Tdubs
Sun Mar 08, 2020 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1592
Views: 146003

Re: Refinance Mega Thread

I am getting a rate of 2.25% through SECU MD credit union for a 10-year. The closing costs are $2800. I have about $165k left on my current mortgage at 3.75%. So savings would be about $70/month. I have been paying a little more every month and fully expect to pay my loan in next 6-7 years. Should ...
by Tdubs
Sun Mar 08, 2020 7:43 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190930

Re: Coronavirus and the market

Folks, There are still plenty "just a flu" and " it is not coming to my area" people. When those people wake up, there will be a market correction. KlangFool +1 I live in an official outbreak area and many of my neighbors are still in the "just a flu" camp. In most healthy people symptoms are milde...
by Tdubs
Sun Mar 08, 2020 7:19 am
Forum: Investing - Theory, News & General
Topic: G Fund no longer keeping pace with inflation
Replies: 9
Views: 1834

Re: G Fund no longer keeping pace with inflation

In recent years, I've looked at G as a partial hedge against inflation, never quite keeping up. This year may be an exception, I expect that inflation will catch-up (catch-down?) to the treasurys that set G Fund rates. There isn't going to be much inflation when gasoline is $1.75/gallon.
by Tdubs
Sun Mar 08, 2020 7:07 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296886

Re: Coronavirus and the market

Folks, There are still plenty "just a flu" and " it is not coming to my area" people. When those people wake up, there will be a market correction. KlangFool It's probable it's just a flu. It spreads too easy. It's probably infecting a lot more people than we know, and it's probable its death rate ...
by Tdubs
Sat Mar 07, 2020 8:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18838
Views: 2633257

Re: U.S. stocks in free fall

watchnerd wrote:
Sat Mar 07, 2020 8:38 pm
Tdubs wrote:
Sat Mar 07, 2020 8:22 pm
Impact of this on Monday? Italy closing down Milan.

https://www.cnbc.com/2020/03/07/italy-p ... virus.html
You go first.

What's your Monday impact forecast?
I don't think the market has priced this in.