Search found 2058 matches

by beardsworth
Tue Aug 14, 2018 4:41 pm
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 32
Views: 2003

Re: As an American, where are some great places in the world to retire?

... you say nothing about where he lives now... does he want to move... what can they afford... what does your dad and mom like, to eat, do, climate, types of neighborhoods... you asked a completely open ended question with no guided background... Well, it seems like the OP is trying to get the par...
by beardsworth
Mon Aug 13, 2018 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Help explain TIAA Traditional to me
Replies: 18
Views: 1160

Re: Help explain TIAA Traditional to me

OP, numerous publications about TIAA Traditional are available just by doing a simple search for that term at TIAA's own website. They include Frequently Asked Questions, and comparisons of different contract types. Did you try that? https://www.tiaa.org/public/search-results?qryStr=TIAA%20Traditional
by beardsworth
Sat Aug 11, 2018 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing for a bear market
Replies: 43
Views: 4939

Re: Preparing for a bear market

. . . Go back and read the 08/09 threads here to see how the mentally unprepared fared. The following thread occurred some time after the crisis of 2008-2009, during another period of market turbulence, but is one of the best things I've seen on the subject of "evaluating your jitters," and typical...
by beardsworth
Sat Aug 11, 2018 7:24 am
Forum: Investing - Help with Personal Investments
Topic: Preparing for a bear market
Replies: 43
Views: 4939

Re: Preparing for a bear market

Regarding the choice of vehicles within your fixed income allocation, you may also be interested in the following recent Bogleheads discussion on whether "Treasury Bonds are the only bonds you need." https://www.bogleheads.org/forum/viewtopic.php?t=255320 More generally, apply your knowledge of your...
by beardsworth
Thu Aug 09, 2018 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Employer will not indemnify me cause I am retired
Replies: 56
Views: 5226

Re: Employer will not indemnify me cause I am retired

Steve, as in my earlier post above, I honor the public-spirited volunteer work you've been doing, for so many years, for the current employees of your past employer. But it does seem like the basic facts of the situation, and the choice before you, haven't changed since the thread began: •There is a...
by beardsworth
Wed Aug 08, 2018 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Employer will not indemnify me cause I am retired
Replies: 56
Views: 5226

Re: Employer will not indemnify me cause I am retired

Steve, Liability issues aside, if an organization to whom I was giving unpaid volunteer work made clear that they wouldn't lift a finger to protect me , I would quit helping them and would find another outlet for my hands-on altruism. I'm assuming that promoting good employee plans at your previous ...
by beardsworth
Tue Aug 07, 2018 12:01 pm
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 12541

Re: "Age in Bonds" fails almost everyone

This vineviz person just joined the forum in mid-May and, as of this morning, has already made more than 800 posts. I hope s/he's remembering to eat and sleep. :)
by beardsworth
Tue Aug 07, 2018 11:48 am
Forum: Investing - Theory, News & General
Topic: Where to Hold TIPS?
Replies: 20
Views: 1555

Re: Where to Hold TIPS?

For me, a Roth account, with no further tax obligations if the usual Roth rules are met, is the only acceptable place to hold these. TIPS do just as well in a tax deferred account, like a traditional IRA, as in a Roth retirement account. In both, the after tax real return equals the pre tax real re...
by beardsworth
Mon Aug 06, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: What prevents residential real estate buyers from colluding to bring down prices?
Replies: 32
Views: 2545

Re: What prevents residential real estate buyers from colluding to bring down prices?

"What prevents residential real estate buyers from colluding to bring down prices?"

In terms of legalities, I don't know the answer.

In terms of human nature, I think the answer is: The same thing that prevents the strands of a sieve from "colluding" to hold water. :)
by beardsworth
Mon Aug 06, 2018 9:22 am
Forum: Investing - Theory, News & General
Topic: Where to Hold TIPS?
Replies: 20
Views: 1555

Re: Where to Hold TIPS?

Holding them in a non-retirement account raises the headache of current income tax payments on inflation adjustments that haven't actually been received, i.e., paid out. Holding them in a Traditional IRA or other pre-tax retirement account means that the proceeds, if withdrawn, will be taxed as ordi...
by beardsworth
Sun Aug 05, 2018 8:07 am
Forum: Investing - Help with Personal Investments
Topic: TIAA-CREF 401k, recently changed jobs
Replies: 10
Views: 696

Re: TIAA-CREF 401k, recently changed jobs

elixir128, you may also wish to post your same informaton and questions to the knowledgeable people on Morningstar's TIAA-centric discussion forum. As far as I know, signing up to post in those forums is still free of charge.

http://socialize.morningstar.com/NewSoc ... 00044.aspx
by beardsworth
Sun Aug 05, 2018 7:20 am
Forum: Investing - Help with Personal Investments
Topic: VINEX international fund
Replies: 29
Views: 1538

Re: VINEX international fund

VINEX has been a regular resident on my own mental list of Funds That Interest Me But Never Quite Seem to Get Their Act Together. I don't really even agree with the OP's belief that VINEX's longevity shows that it has weathered past storms and "can take a punch during a bear market." As is often Van...
by beardsworth
Thu Aug 02, 2018 9:33 am
Forum: Investing - Theory, News & General
Topic: US Senate FCU with 5 Yr 3.47% CD
Replies: 3
Views: 680

Re: US Senate FCU with 5 Yr 3.47% CD

. . . Looks like Employees/Affiliates of a long list of Select Employee Groups are eligible, including ACC - not 100% clear but I hope that includes members who pay a token membership fee (or had it waived). Anyone can establish membership eligibility in the Senate Credit Union by joining the U.S. ...
by beardsworth
Sat Jul 07, 2018 5:25 pm
Forum: Personal Consumer Issues
Topic: Whole Foods -- any drop in prices after Amazon takeover ?
Replies: 31
Views: 3875

Re: Whole Foods -- any drop in prices after Amazon takeover ?

We've found it a mixed bag, but mostly not to our advantage. Prices on a few things we buy regularly went down. On the other hand, Whole Foods used to offer a 10% "case discount' for quantities in its 365 private label brand, and we used that regularly to stock up on things like packaged soup broth,...
by beardsworth
Fri Jul 06, 2018 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: How do normal people afford the Bay Area?
Replies: 48
Views: 5202

Re: How do normal people afford the Bay Area?

The cost of living in San Francisco itself has gone so berserk that the federal government now defines a household income of up to $117,400 as "low income."

https://www.nytimes.com/2018/06/30/us/b ... arket.html
by beardsworth
Fri Jul 06, 2018 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Destination - are you happy with your choice?
Replies: 127
Views: 15647

Re: Retirement Destination - are you happy with your choice?

Surprising how so many have not mentioned the financial aspect of the decision. . . .I was surprised to see Vermont mentioned, as everything I've read is that it's one of the top ten WORST states to retire to. Kiplinger puts it at #4 on the WORST states for taxes due to steep top income tax rate, m...
by beardsworth
Wed Jul 04, 2018 6:44 am
Forum: Personal Finance (Not Investing)
Topic: Retired Bogleheads w/RA: How much does climate matter?
Replies: 4
Views: 760

Re: Retired Bogleheads w/RA: How much does climate matter?

Your mention of Arizona, Utah, and Nevada suggests that you're looking at places that are warm and dry. But since you currently live on the East Coast, I'll just toss out this thought: I realize it's not the same medical entity, but I have a friend with "regular" arthritis. She lives in the Southeas...
by beardsworth
Mon Jul 02, 2018 6:14 am
Forum: Personal Consumer Issues
Topic: Retiring in Michigan (Ann Arbor)
Replies: 65
Views: 4770

Re: Retiring in Michigan (Ann Arbor)

Since the original post here asks about thoughts on Ann Arbor "or other midwestern cities," it doesn't seem too off-topic to ask: For those who have lived in Ann Arbor, did you find yourself having much reason/occasion to go over to East Lansing for activities (arts, music, other culture, but not ne...
by beardsworth
Fri Jun 29, 2018 7:37 am
Forum: Investing - Theory, News & General
Topic: "How to invest without regret" - Daniel Kahneman
Replies: 20
Views: 2784

Re: "How to invest without regret" - Daniel Kahneman

Valuethinker wrote:
Fri Jun 29, 2018 2:56 am
But, again, I have to be kind to my ex ante self (then) who is now my ex post self (now) ;-).
That seems like a good rule, in general, for people to be kind to their ex post selves, even when they've done something that makes them want to hit themselves over the head with a post. :)
by beardsworth
Fri Jun 29, 2018 7:23 am
Forum: Investing - Theory, News & General
Topic: [403b fiduciary lawsuits: MIT Yale NYU Duke Hopkins Penn Vanderbilt Emory Columbia]
Replies: 88
Views: 8398

Re: GWU 403b lawsuit and TIAA Trad Ann

Even the Cref Stock fund has a .42% cost; that’s outrageous. I don't understand why you think CREF stock fund with a 0.42% ER is outrageous. It is an active fund. Yes, and not only actively managed (although a segment of it is also indexed) but one designed for eventual payouts as an annuity, i.e.,...
by beardsworth
Wed Jun 27, 2018 6:54 am
Forum: Investing - Theory, News & General
Topic: Is there a way to avoid bad companies in S&P 500?
Replies: 92
Views: 4663

Re: Is there a way to avoid bad companies in S&P 500?

You would probably be cutting out value stocks in doing so which is not recommended. if you really want to only have quality companies a fund like vanguard dividend growth might fit the bill. Just commenting on the mention of that particular fund, not on the general pro-indexing consensus of the th...
by beardsworth
Tue Jun 26, 2018 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: IRS publishes draft 2018 1040 - Huge changes made
Replies: 156
Views: 16775

Re: IRS publishes draft 2018 1040 - Huge changes made

Still thinking about this thread, it just occurred to me that all the states whose returns begin by incorporating the gross income number and/or other figures from the federal return ("Enter federal adjusted gross income from Form 1040, Line 37") will also be forced to revise their forms to cite the...
by beardsworth
Tue Jun 26, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Reason for Airlines horrible ticket policy
Replies: 32
Views: 2189

Re: Reason for Airlines horrible ticket policy

If all tickets were refundable and easy to change then costs would be huge because passengers would be changing all the time. I'll take my cheap restrictive tickets and pay a couple hundred extra for refundable in the rare event its needed. Southwest allows no-fee itinerary changes but its fares co...
by beardsworth
Tue Jun 26, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Reason for Airlines horrible ticket policy
Replies: 32
Views: 2189

Re: Reason for Airlines horrible ticket policy

Why is it that almost all airlines have such horrible ticket policies.If you need to cancel a flight a couple months out why the penalties?SWA has very fair policies,why can’t other airlines? This is why my wife and I have flown almost exclusively on Southwest for many years. Sick and tired of bein...
by beardsworth
Tue Jun 26, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: IRS publishes draft 2018 1040 - Huge changes made
Replies: 156
Views: 16775

Re: IRS publishes draft 2018 1040 - Huge changes made

Well, let's see . . . The new 1040 has a line to enter a person's federal tax withholding, but no line to enter payments of estimated tax (which were at Line 65, separate from withholding, of the previous form). Since estimated tax payments are still required of many people, they'll have to be enter...
by beardsworth
Mon Jun 25, 2018 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: CNBC: Social Security buying power has slipped by a third for retirees
Replies: 95
Views: 7078

Re: CNBC: Social Security buying power has slipped by a third for retirees

I've always thought it bizarre, which is not the same thing as saying it's unintentional, that the version of the Consumer Price Index used for Social Security is the CPI-W, in which "W" stands for "Wage Earners," which is exactly what most Social Security recipients are not. As jalbert notes above,...
by beardsworth
Sat Jun 23, 2018 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: AARP: 10 Commandments [of Money, by Allan Roth]
Replies: 19
Views: 2779

Re: AARP: 10 Commandments [of Money, by Allan Roth]

'III. Thou shalt remember there is no such thing as a free lunch.' I've been to many nice and free lunches and dinners and haven't been reeled in yet. They're great opportunities to learn and exchange ideas. TravelforFun Well, a figurative or theoretical free lunch is different from a literal free ...
by beardsworth
Sat Jun 23, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: AARP: 10 Commandments [of Money, by Allan Roth]
Replies: 19
Views: 2779

Re: AARP: 10 Commandments

BTW, you concluded your own comment with a sentence fragment, an ironic grammatical faux pas. You would do better to separate the statements with a comma--or even the popular "--". I pleadeth guilty. I dideth it for ye olde dramatic effect. (In case you were wondering, I did copy the commandment ve...
by beardsworth
Fri Jun 22, 2018 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: AARP: 10 Commandments [of Money, by Allan Roth]
Replies: 19
Views: 2779

Re: AARP: 10 Commandments

XIII. Thou shalt remember that syntax can make a big difference in sentence meaning, so that thou shalt write "avoid (like the plague) limited-time offers" instead of "avoid limited-time offers (like the plague)." Unless thou truly meaneth that the plague itself was a limited-time offer.
by beardsworth
Fri Jun 22, 2018 1:42 pm
Forum: Investing - Theory, News & General
Topic: I-bonds look pretty bad right now
Replies: 92
Views: 10903

Re: I-bonds look pretty bad right now

mbasherp wrote:
Fri Jun 22, 2018 1:40 pm
I’ll continue adding ibonds at a moderate pace.
So do I.
by beardsworth
Fri Jun 22, 2018 1:19 pm
Forum: Investing - Theory, News & General
Topic: I-bonds look pretty bad right now
Replies: 92
Views: 10903

Re: I-bonds look pretty bad right now

If someone started a thread saying that I''ve been so depressed ever since I had a stroke and can't easily walk anymore, it would seem like an insensitive form of gloating for others to reply, Too bad, I run a half-marathon every weekend. Similarly, if someone posted that I'm so lonely in my persona...
by beardsworth
Sun Jun 17, 2018 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Long time retirees: how much do you really need?
Replies: 12
Views: 3489

Re: Long time retirees: how much do you really need?

I think we've been over this general topic before. . . . Indeed. Just using the search box at the top of each forum page, and choosing search terms from the OP's own current thread title ( retirees how much need ) produces all of the following, which the OP and others may also find helpful. https:/...
by beardsworth
Sat Jun 02, 2018 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA commingles Roth and non-Roth retirement funds?
Replies: 14
Views: 1151

Re: TIAA commingles Roth and non-Roth retirement funds?

My wife's supplementary employer plan contracts are G[roup]SRA, but I assume that the rules are the same as for the OP's SRA. By default, TIAA mingles Roth and pre-tax contributions under the same contract number, and statements show the dollar figure represented by the Roth holdings relative to the...
by beardsworth
Fri Jun 01, 2018 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Talk me out of going crazy...
Replies: 48
Views: 6262

Re: Talk me out of going crazy...

You may find some useful thoughts in this recent thread about simplicity.

viewtopic.php?t=250534
by beardsworth
Thu May 31, 2018 12:53 pm
Forum: Investing - Theory, News & General
Topic: To be or not to be complex, that is the question
Replies: 146
Views: 12319

Re: To be or not to be complex, that is the question

:thumbsup I am a strong believer in our maxim that the worst enemy of a good plan is a better plan. I understand your actual meaning and agree with it. :thumbsup But the aphorism is usually stated, even more tellingly, as: The enemy of a good plan is the search for a "perfect" plan. To me, DBR’s wo...
by beardsworth
Thu May 31, 2018 10:42 am
Forum: Investing - Theory, News & General
Topic: To be or not to be complex, that is the question
Replies: 146
Views: 12319

Re: To be or not to be complex, that is the question

:thumbsup
dbr wrote:
Wed May 30, 2018 7:30 am
I am a strong believer in our maxim that the worst enemy of a good plan is a better plan.
I understand your actual meaning and agree with it. :thumbsup

But the aphorism is usually stated, even more tellingly, as: The enemy of a good plan is the search for a "perfect" plan.
by beardsworth
Wed May 30, 2018 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: VINEX vs VFSVX
Replies: 15
Views: 1090

Re: VINEX vs VFSVX

Two major differences: 1. VINEX is invested in foreign mid-small while VFSVX is foreign large. 2. VFSVX is an index fund while VINEX is actively managed. They are significantly different. Statement 2 is correct. Statement 1 is not. They're both foreign mid-small. http://portfolios.morningstar.com/f...
by beardsworth
Wed May 30, 2018 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: VINEX vs VFSVX
Replies: 15
Views: 1090

Re: VINEX vs VFSVX

Two major differences: 1. VINEX is invested in foreign mid-small while VFSVX is foreign large. 2. VFSVX is an index fund while VINEX is actively managed. They are significantly different. Statement 2 is correct. Statement 1 is not. They're both foreign mid-small. http://portfolios.morningstar.com/f...
by beardsworth
Mon May 28, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: Best brand of appliances for new condo
Replies: 21
Views: 2272

Re: Best brand of appliances for new condo

I have to pick the new appliances for a new condo. Wondering what brands I should consider. Don't need the Cadillac model - middle of the road, but looking for good value and reliability of the following: Washer and Dryer Refrigerator Range/Microwave What do you think, and what kind of prices are w...
by beardsworth
Mon May 28, 2018 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Purchase SPIA through Vanguard?
Replies: 18
Views: 1811

Re: Purchase SPIA through Vanguard?

I have not purchased an annuity from Vanguard. I would check with other sources such as Immediate annuity.com. As a reminder, your pension annuity is very likely the best payout as it includes all people in the employment group with higher mortality credits. People that buy on the open market are u...
by beardsworth
Sun May 27, 2018 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Does anticipated SS alter today’s allocation?
Replies: 20
Views: 1906

Re: Does anticipated SS alter today’s allocation?

That search box at the top of the forum page can be your friend. Aspects of this question have been discussed on the forum quite a few times, as indicated by these results for "Social Security" "fixed income" and "Social Security" allocation , which you may find helpful. https://www.google.com/searc...
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: 64
Views: 5959

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: 832

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: 64
Views: 5959

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: 100
Views: 8514

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: 100
Views: 8514

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: 4194

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: 4060

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: 4060

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: 4060

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...