Search found 1934 matches

by beardsworth
Wed Nov 15, 2017 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 31
Views: 3079

Re: 55+ Early retirement offer.

I don't have advice for the OP beyond the excellent perspectives already offered. But as I was reading the thread, I thought that it's interesting, in a very lamentable way, how medical care so often seems to be the tail that wags the financial and aspirational dog.
by beardsworth
Wed Nov 15, 2017 1:31 pm
Forum: Investing - Theory, News & General
Topic: Do you keep anything in your portfolio as a monument to your bad decisions?
Replies: 67
Views: 4168

Re: Do you keep anything in your portfolio as a monument to your bad decisions?

Years ago, backing the car out of our angled driveway, I hit a neighbor's parked construction supply trailer. It was a small, flat trailer, and so low that I never did see it out of my rear window. And this was before cars had rear-view cameras. But that trailer's hitch made a jagged 2" puncture in ...
by beardsworth
Tue Nov 14, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Losing all of your savings.
Replies: 41
Views: 5480

Re: Losing all of your savings.

I'm dubious about the point of all of this. If it's true (i.e. not a troll) then the OP ignored the advice given in the previous thread and in between March and now blew at a six-figure savings account through "bad investments". Without some clarification, I don't see the point in responses. Especi...
by beardsworth
Sun Nov 12, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: Investing HOA reserve money?
Replies: 24
Views: 1033

Re: Investing HOA reserve money?

millenialinvestor wrote:
Sun Nov 12, 2017 4:43 pm
What are your thoughts on short and intermediate term treasury bonds? Should we instead stick with CDs since it is FDIC insured instead?
For reasons already noted in my post above, the answers, respectively, are "maybe," "definitely not," and "probably."
by beardsworth
Sun Nov 12, 2017 3:41 pm
Forum: Personal Consumer Issues
Topic: Investing HOA reserve money?
Replies: 24
Views: 1033

Re: Investing HOA reserve money?

OP, I was with you in the first post, i.e., your wish to get a slightly better return on HOA reserves, right up until I saw the words "such as S&P 500." And then I thought Oh, no. I agree with other posters above that this is money which should be readily available, in a cash-like form, at any time,...
by beardsworth
Fri Nov 10, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: 450,000 American Airlines MILES gifted to me - how to book
Replies: 25
Views: 2287

Re: 450,000 American Airlines gifted to me - how to book

I was in the process of writing the following as michaeljc70, above, was mentioning the issue of points expiration. OP, Like all airlines known to me, American puts an expiration date on a frequent flier point balance which has gone a certain length of time without "activity." Have you checked on wh...
by beardsworth
Thu Nov 09, 2017 5:13 pm
Forum: Investing - Theory, News & General
Topic: My (general) contacts with Treasury Direct re loss & liability
Replies: 37
Views: 4540

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

I don't generally need to access my account on a regular basis to perform transactions. I wonder how much hassle it would be to get the account unlocked as needed (once a year) and leave it locked the rest of the time. That's an interesting question. If I understand what you're thinking, the situat...
by beardsworth
Thu Nov 09, 2017 12:19 am
Forum: Investing - Help with Personal Investments
Topic: Annuity for winning the game
Replies: 39
Views: 3397

Re: Annuity for winning the game

Thanks for the link. I put in a couple 65 starting now for $1 million and payout rate was just over 5.0% with presumably no inflation protection. I see where you can request inflation protection but it seems like it is a fixed inflation rate (not CPI) and you actually have to send info in for quote...
by beardsworth
Wed Nov 08, 2017 9:38 am
Forum: Investing - Theory, News & General
Topic: "I took all my money out of the stock market and it feels amazing"
Replies: 69
Views: 8652

Re: "I took all my money out of the stock market and it feels amazing"

Some odd responses. I am happy for her. Lev +1 I agree. And it's threads like this one that remind me of the extent to which the Bogleheads forum sometimes seems like a kind of faith-based movement, a sort of Magic Markets/Always Invest belief system, and not very tolerant of differing views. Ms. W...
by beardsworth
Tue Nov 07, 2017 7:08 am
Forum: Investing - Theory, News & General
Topic: My (general) contacts with Treasury Direct re loss & liability
Replies: 37
Views: 4540

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

What this thread is really about, though, is what happens when my account get emptied out without the use of my credentials. OP here. Thanks for making that point, TravelGeek. That is indeed what I intended the thread to be about when I started it, and that's also why my own correspondence with Tre...
by beardsworth
Mon Nov 06, 2017 8:30 pm
Forum: Investing - Theory, News & General
Topic: My (general) contacts with Treasury Direct re loss & liability
Replies: 37
Views: 4540

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

Is there a way I can sell, or move my TD I bonds to another financial institution without being hit with taxes on the interest earned over the past 8 years. Thanks If your mention of "selling" your I Bonds refers to redeeming them, then you could deposit the cash proceeds in whatever financial inst...
by beardsworth
Mon Nov 06, 2017 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Morningstar: Cognitive decline in aging. A strong case for portfolio simplification?
Replies: 98
Views: 7569

Re: Morningstar: Cognitive decline in aging. A strong case for portfolio simplification?

3) Being very resistant to e-delivery of statements. I know I'm going to get beaten up on this by the millennials, but I continue to feel that paper statements that arrive in the mail are a very important safety net I will accept only paper statements and bills. Paper offers a trail after I have pa...
by beardsworth
Sat Nov 04, 2017 10:02 am
Forum: Investing - Theory, News & General
Topic: My (general) contacts with Treasury Direct re loss & liability
Replies: 37
Views: 4540

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

Thanks for sharing. This is pretty scary, especially since the TD site uses that stupid click-keyboard to log in and it's difficult to use a long, random password. I'll likely switch to paper I-bonds ... seems to be no downside to doing this (except for overpaying taxes temporarily) since the bonds...
by beardsworth
Thu Nov 02, 2017 8:02 am
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate 0.10% [November rate announced]
Replies: 31
Views: 3827

Re: I Bond fixed rate 0.10% [November rate announced]

Since this thread is supposed to be about the new I Bond rate announced on November 1, you folks (quoted below) are drawing it off-topic with a side discussion about Treasury Direct security and loss liability . To read or post more on that subject, in a more appropriate place, you may wish to go to...
by beardsworth
Wed Nov 01, 2017 10:20 am
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate 0.10% [November rate announced]
Replies: 31
Views: 3827

Re: IBonds - now or wait? [November 2017 rate]

[Posts merged into here, see below. --admin LadyGeek] For those interested in viewing it on Treasury Direct's own site, the newly announced rate, as well as the history of I Bond fixed/inflation/composite rates, is at https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_iratesand...
by beardsworth
Sat Oct 28, 2017 12:55 pm
Forum: Investing - Theory, News & General
Topic: What do you think about FTSE Emerging markets?
Replies: 13
Views: 1213

Re: What do you think about FTSE Emerging markets?

I don't play footsie with emerging markets. Or FTSE, either. :) Seriously, although I've gotten doses of emerging market exposure in general international and global funds, I've never seen a convincing reason to buy a fund specifically dedicated to emerging markets, because . . . I'm not sure what I...
by beardsworth
Fri Oct 27, 2017 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire today?
Replies: 132
Views: 7620

Re: Can I retire today?

I disagree with those here who are urging you to substantially bump up your stock exposure. Reasons, in my opinion: •The market seems to set a new record almost weekly, sometimes daily, and hasn't had a major correction for eight years. So an increase in stock exposure, right now, hardly seems urgen...
by beardsworth
Wed Oct 25, 2017 8:48 am
Forum: Investing - Theory, News & General
Topic: TIAA traditional -- How did they do that and What's the catch?
Replies: 31
Views: 2582

Re: TIAA traditional -- How did they do that and What's the catch?

KnowNth (original poster), It's not clear whether you attempted any of your own research before starting a thread here (the questions are so basic that I suspect not), but just going to tiaa.org and entering a search for "TIAA Traditional" produces all of the following, as a start toward better und...
by beardsworth
Tue Oct 24, 2017 9:33 pm
Forum: Investing - Theory, News & General
Topic: TIAA traditional -- How did they do that and What's the catch?
Replies: 31
Views: 2582

Re: TIAA traditional -- How did they do that and What's the catch?

KnowNth (original poster), It's not clear whether you attempted any of your own research before starting a thread here (the questions are so basic that I suspect not), but just going to tiaa.org and entering a search for "TIAA Traditional" produces all of the following, as a start toward better unde...
by beardsworth
Tue Oct 24, 2017 7:59 am
Forum: Personal Consumer Issues
Topic: HELP! Possible Mold in House
Replies: 14
Views: 1538

Re: HELP! Possible Mold in House

Joey_Freshwater, It's nearly always a good idea to use that search box at the top of each Bogleheads page to see if the same or similar topic has been discussed in the past. A search for the single word "mold" produces these other results which you may also find helpful: https://www.google.com/searc...
by beardsworth
Mon Oct 23, 2017 3:56 pm
Forum: Investing - Theory, News & General
Topic: TIAA Trouble [NY Times: TIAA pushes clients to high fee products]
Replies: 50
Views: 4534

Re: TIAA Trouble [NY Times: TIAA pushes clients to high fee products]

Roger Ferguson, President & CEO of TIAA, has issued an online reply to The New York Times' article about the company.

https://www.tiaa.org/public/about-tiaa/ ... se693.html
by beardsworth
Sat Oct 21, 2017 4:58 pm
Forum: Investing - Theory, News & General
Topic: TIAA Trouble [NY Times: TIAA pushes clients to high fee products]
Replies: 50
Views: 4534

Re: TIAA Trouble [NY Times: TIAA pushes clients to high fee products]

Meta critic said: "...That said, I actually like their life insurance products and hold term life insurance with them. Rates are competitive, and I can't imagine they won't honor the contract if/when it becomes an issue". What do you/other BH's consider 'competitive' life insurance rates ? I too ha...
by beardsworth
Wed Oct 18, 2017 10:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 112
Views: 25441

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration

How will Global Wellington significantly differ from a Target Date fund like the Vanguard Target Retirement 2025 Fund which is currently 65% stocks and 35% bonds? Other than the Target Date Fund will shift allocation more conservative as time goes on do you think Global Wellington will be worth the...
by beardsworth
Tue Oct 17, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security - Maximizing a couples benefits
Replies: 35
Views: 2936

Re: Social Security - Maximizing a couples benefits

Thanks to some of you. Priceless 8-) And graceless. Everyone posting above has taken time from their own personal lives to help the OP, a total stranger; and everyone has given perspective and advice in good faith; and no one has been rude or snarky to the OP. Therefore, "thanks to all ," even to t...
by beardsworth
Mon Oct 16, 2017 5:50 pm
Forum: Investing - Theory, News & General
Topic: 30 year tips auction-thursday 10/19, yield 0.86%?
Replies: 47
Views: 4266

Re: 30 year tips auction-thursday 10/19, yield 0.86%?

I am very much attracted to both TIPS (inside a retirement account, especially Roth IRA, to avoid the "tax on phantom interest" aspect) and I Bonds (outside retirement accounts). But I must count myself among those who cannot muster enthusiasm for long-term TIPS at such low real rates. I Bonds are a...
by beardsworth
Mon Oct 16, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage vs. Supplemental
Replies: 58
Views: 3889

Re: Medicare Advantage vs. Supplemental

When this thread was still young, I was exchanging Private Messages with the OP through this site. For just that reason, privacy, I’m not going to divulge anyone's personal details here. But it’s a fact, whether on this forum or elsewhere, that the quality of perspectives and recommendations can onl...
by beardsworth
Fri Oct 13, 2017 8:01 am
Forum: Investing - Theory, News & General
Topic: IBonds - now or wait? [November 2017 rate]
Replies: 40
Views: 5454

Re: IBonds - now or wait?

The September CPI-U was released this morning.

https://www.bls.gov/schedule/news_release/cpi.htm

Can any of the resident experts calculate what it means for the inflation-based component of I Bonds to be issued during the six months beginning November 1?

Thanks.
by beardsworth
Mon Oct 02, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: Migrating e-mail from Outlook 2011 to Apple Mail
Replies: 4
Views: 359

Migrating e-mail from Outlook 2011 to Apple Mail

Seeing the length of my post, I feel like I might need to begin with an apology. I’m not a tech-savvy person, and I may be providing more background information than is necessary, because I'm not entirely sure what a more savvy reader might consider relevant, and the situation has multiple moving pa...
by beardsworth
Sat Sep 30, 2017 10:04 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 9405

Re: Bogleheads you would most like to meet and why?

Top of my list though is Taylor . . . If I ever meet him I envision it like arriving at the top of Mount Boglehead to speak to the wise sage. He hands me a piece of paper with three funds written on them... :happy Yes, but as a regular reader of this forum, you already know which three funds they'l...
by beardsworth
Sat Sep 30, 2017 9:48 am
Forum: Investing - Theory, News & General
Topic: I-Bonds?
Replies: 35
Views: 4238

Re: I-Bonds?

Hi everyone. I'm pretty new here; have been lurking for the last month or so. Question: what are your current thoughts about buying I-Bonds, rather than alternatives such as Vanguard Total Bond Market, for the portion of an AA devoted to fixed income? Although the real rate of I-Bonds currently is ...
by beardsworth
Thu Sep 28, 2017 10:25 am
Forum: Investing - Theory, News & General
Topic: I-Bonds?
Replies: 35
Views: 4238

Re: I-Bonds?

Hi everyone. I'm pretty new here; have been lurking for the last month or so. Question: what are your current thoughts about buying I-Bonds, rather than alternatives such as Vanguard Total Bond Market, for the portion of an AA devoted to fixed income? Although the real rate of I-Bonds currently is ...
by beardsworth
Thu Sep 14, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: US removing Kaspersky Antivirus from government computers
Replies: 38
Views: 3649

Re: US removing Kaspersky Antivirus from government computers

By they way, I recently learned that AVG, Avast and ESET are all based in the Czech Republic. The Czech Republic is full of Russians. Kaspersky was formerly the preferred product at my wife's employer, which also had some sort of bulk license and made the software available, free of charge, to empl...
by beardsworth
Wed Sep 13, 2017 6:41 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11784

Re: Anyone else freeze their credit score?

This New York Times article suggests some things to do. It also points out that (at least, as of a few days ago when the article was written) Equifax itself doesn't really seem to know who was specifically affected by the security breach, and the company's site seems to tell everyone who inputs the ...
by beardsworth
Tue Sep 12, 2017 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Prime Money Market vs Federal Money Market?
Replies: 2
Views: 609

Re: Prime Money Market vs Federal Money Market?

It's nearly always a good idea to use that search box at the top of each forum page to see what's already been discussed about a topic. A search for money market federal prime produces several previous threads which you may find helpful. https://www.google.com/search?sitesearch=bogleheads.org&q=fede...
by beardsworth
Tue Sep 12, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze affects SSA online account
Replies: 22
Views: 2755

Re: Credit Freeze affects SSA online account

cheapedy wrote:
Tue Sep 12, 2017 4:43 pm
I froze my credit with the five agencies over the last few days due to the Equifax breach.
Equifax, Experian, TransUnion, Innovis, and . . . who would be the 5th?

Thanks.
by beardsworth
Tue Sep 12, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 7900

Re: Best Lower Cost USA Cities to Live

If my wife were okay with the area, we'd move to Prescott (but she doesn't care for the feel, look and atmosphere of Prescott). Could you provide just some brief details behind that comment? Not about your relocation decision "relationship" with your wife :) but about why some people might consider...
by beardsworth
Mon Sep 11, 2017 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Relocate for Early Retirement?
Replies: 41
Views: 3892

Re: Relocate for Early Retirement?

Your choice of place, like any other, will depend on which things matter the most to you, since it's almost impossible to maximize all good things in a single location. If taxes matter to you, then there is a marked difference among the three states you name. Washington and Nevada have no state inco...
by beardsworth
Tue Sep 05, 2017 10:44 am
Forum: Personal Consumer Issues
Topic: Did Charmin UltraSoft TP become "UltraThin"?
Replies: 61
Views: 4056

Re: Did Charmin UltraSoft TP become "UltraThin"?

Anyone on the fence over the BH getting less interesting thread can now choose a side :wink: To keep this uninteresting thread even more so I don't find this thread uninteresting at all. But perhaps a sufficient number of opinions have been expressed that it's time to wipe it up, while the thread i...
by beardsworth
Tue Sep 05, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: Did Charmin UltraSoft TP become "UltraThin"?
Replies: 61
Views: 4056

Re: Did Charmin UltraSoft TP become "UltraThin"?

It's called "Shrinkflation". In economics, shrinkflation is the process of items shrinking in size or quantity while their prices remain the same or increase. Ain't economics grand? https://www.google.com/search?q=shrinkflation&ie=utf-8&oe=utf-8 Just as 2x4 lumber is no longer 2x4. And cans of soup...
by beardsworth
Tue Sep 05, 2017 8:05 am
Forum: Investing - Theory, News & General
Topic: IBonds - now or wait? [November 2017 rate]
Replies: 40
Views: 5454

Re: IBonds - now or wait?

The CPI-U for September, the last "puzzle piece" in the new I Bond inflation component rate which takes effect on November 1, will be announced on the morning of October 13. Here on Bogleheads, someone nearly always starts a new thread explaining what it means for I Bonds. https://www.bls.gov/schedu...
by beardsworth
Mon Sep 04, 2017 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming a Landlord: My Experiences
Replies: 108
Views: 17030

Re: Becoming a Landlord: My Experiences

I still remember reading a book about landlording, years ago, in which the writer said that one thing she did when evaluating prospective tenants was to look at the inside of their car. She didn't place much emphasis on whether it was a recent-model car or an old car, but she wanted to see how the p...
by beardsworth
Mon Sep 04, 2017 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Help with TIAA-CREF
Replies: 15
Views: 1738

Re: Help with TIAA-CREF

Although it has recently had a lot of off-topic threads about the hurricane, the national government, medical research, etc., Morningstar has a discussion forum specifically about TIAA matters. The people there seem to be very knowledgeable, so you may also want to post your questions there. As far ...
by beardsworth
Sun Sep 03, 2017 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: LTCI Experience
Replies: 16
Views: 1750

Re: LTCI Experience

Since John Hancock has been mentioned more than once in this thread, it's probably worth noting that Hancock, apparently unable to figure out how to make a reliable profit from this product, stopped issuing new LTC policies in late 2016. It will, however, continue to service its existing policies, ...
by beardsworth
Sun Sep 03, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: LTCI Experience
Replies: 16
Views: 1750

Re: LTCI Experience

Since John Hancock has been mentioned more than once in this thread, it's probably worth noting that Hancock, apparently unable to figure out how to make a reliable profit from this product, stopped issuing new LTC policies in late 2016. It will, however, continue to service its existing policies, o...
by beardsworth
Fri Sep 01, 2017 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: GLOBAL 1M$ Conservative Growth Portfolio?
Replies: 25
Views: 1983

Re: VHGEX & VFITX(VFIUX) 1M$ Conservative Growth Portfolio?

aramv, Since you're obviously interested in a global allocation for the stock portion of this portfolio which you intend to be "conservative," is there any particular reason you're not considering Vanguard Global Minimum Volatility Fund? https://personal.vanguard.com/us/funds/snapshot?FundId=1194&Fu...
by beardsworth
Sun Aug 27, 2017 12:56 pm
Forum: Investing - Theory, News & General
Topic: Demographic Headwinds for Stocks and Bonds?
Replies: 47
Views: 5263

Re: Demographic Headwinds for Stocks and Bonds?

Todd/Simplegift,

Has there been some change in your own thinking about this since your 2015 thread on the same subject?

viewtopic.php?t=168488
by beardsworth
Tue Aug 22, 2017 1:00 pm
Forum: Forum Issues and Administration
Topic: change user name?
Replies: 4
Views: 624

Re: change user name?

I am new, please advise, how do I PM a moderator? I went to a forum, did not see the path. Here: https://www.bogleheads.org/forum/memberlist.php?mode=team Suggest you start with forum administrator LadyGeek, who is, in my experience, always friendly and helpful. FYI, here is one of a number of prev...
by beardsworth
Tue Aug 22, 2017 12:07 pm
Forum: Forum Issues and Administration
Topic: change user name?
Replies: 4
Views: 624

Re: change user name?

Any of the forum moderators can do this for you. Send a Private Message.
by beardsworth
Sun Aug 20, 2017 7:35 pm
Forum: Investing - Theory, News & General
Topic: IBonds: My worst bond investment over the last 5 years
Replies: 74
Views: 8014

Re: IBonds: My worst bond investment over the last 5 years

Ibonds, to the extent that as a non-USian I understand them, appear to provide a different function in the portfolio. 1. they hedge against unexpected inflation. Better than any other asset because the inflation gain is not taxable? (it is for TIPS as I understand them) For federal tax purposes, in...
by beardsworth
Sun Aug 20, 2017 6:09 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional Annuity as sole fixed income component
Replies: 84
Views: 9726

Re: TIAA Traditional Annuity as sole fixed income component

If you shift money out of TRAD, and then back in, the vintage is reset. So TIAA rewards you somewhat for contributions that "stay the course." Here's a link to the TIAA TRAD GSRA (fully liquid) information about accumulation and payout rates: https://www.tiaa.org/public/investment-performance/tiaat...