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by beardsworth
Sun Jan 21, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: return expensive 3 year old's eye glasses?
Replies: 11
Views: 737

Re: return expensive 3 year old's eye glasses?

I was initially somewhat alarmed upon seeing the thread title, which asks about returning the eye glasses of an expensive 3-year-old. Then I read the opening post and realized that it was actually about returning a 3-year-old's expensive eyeglasses. Syntax can be important. :)
by beardsworth
Fri Jan 19, 2018 11:29 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Lessons From 2017
Replies: 23
Views: 4086

Re: Larry Swedroe: Lessons From 2017

I love this quote from the first article: . Unfortunately, investors in active funds continue to pay for the triumph of hope over wisdom and experience. Not trying to sidetrack the thread, but just offering a literary footnote on the above, i.e., that the quote above is close to the words of Oscar ...
by beardsworth
Sun Jan 14, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: How long do you save tax returns?
Replies: 39
Views: 3160

Re: How long do you save tax returns?

Asked and answered. Link And I am not a lawyer, but I have been at depositions. Thanks! I didn't realize this was a recent topic. Will review it. It has actually been a topic quite a few times before. Using that search box at the top of the forum page, for save tax returns , shows all of the follow...
by beardsworth
Sun Jan 14, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: Where to retire in Florida?
Replies: 165
Views: 27936

Re: Where to retire in Florida?

Good discussion, when I visited FL about 10 yrs ago Ft Meyers area, it seemed like a tourist destination, no industries no good jobs. Does anyone have an idea of a place in FL with solid job prospects (Finance, Tech and/or healthcare), but i assume healthcare is going to be in high demand anywhere ...
by beardsworth
Sat Jan 13, 2018 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: I Bond Rate and Yield
Replies: 4
Views: 816

Re: I Bond Rate and Yield

chrisjul,

This page at the Treasury Direct site should answer your questions about the composition of rates:

https://www.treasurydirect.gov/indiv/re ... dterms.htm
by beardsworth
Fri Jan 05, 2018 6:06 pm
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 145
Views: 5765

Re: Misuse of adverse when averse was meant

This thread has already touched on most of the linguistic offenses seen too frequently on the forum.

However, a couple others, both wrong and unnecessary, are references in capital letters to the FED, or to opening a ROTH, as if these were acronyms.
by beardsworth
Fri Jan 05, 2018 6:01 pm
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 145
Views: 5765

Re: Misuse of adverse

Mel Lindauer wrote:
Fri Jan 05, 2018 4:04 pm
Your all being way to pickey! :D
Carefull, Mell, some people here may be critisism-adverse.
by beardsworth
Thu Jan 04, 2018 11:54 am
Forum: Investing - Theory, News & General
Topic: My (general) contacts with Treasury Direct re loss & liability
Replies: 40
Views: 5141

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

Beardsworth, In regards to placing a hold on your Treasury Direct account, how does the Treasury validate whether your account may have been compromised? Beats me. They obviously don't like to talk about the possibility. The customer hold language on their web page about that subject simply says th...
by beardsworth
Thu Jan 04, 2018 10:44 am
Forum: Investing - Theory, News & General
Topic: My (general) contacts with Treasury Direct re loss & liability
Replies: 40
Views: 5141

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

An update . . . As promised following the exchange of posts above with TravelGeek, I sent another e-mail to Treasury Direct, although, as usual in my contacts with this agency, no useful information was received on one try alone. I asked (closely paraphrasing my actual words here): The Treasury Dir...
by beardsworth
Tue Jan 02, 2018 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security at age 62 perhaps?
Replies: 57
Views: 4907

Re: Social Security at age 62 perhaps?

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

A search for Social Security 62 led to all of these previous threads which you might find helpful;

https://www.google.com/search?sitesearc ... ecurity+62
by beardsworth
Sun Dec 31, 2017 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct pulls money from Savings, but no trace of transaction in Treasury Direct?
Replies: 10
Views: 979

Re: Treasury Direct pulls money from Savings, but no trace of transaction in Treasury Direct?

I bought the max under my normal account and also the max under a custom account with the same SSN. So I still need to figure out what to do about that. Hopefully it is as simple as modifying the start date to 2018 or having them cancel one of the I Bond purchases and send me back the money. Outcom...
by beardsworth
Thu Dec 28, 2017 3:03 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 129
Views: 7656

Re: What non fiction book will you be reading in 2018?

Howard Zinn: A People's History of the United States
by beardsworth
Tue Dec 12, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 156
Views: 16808

Re: What to do after losing $117k in stock market?

Fountain, It looks like you just joined the forum this morning, so welcome. Said with respect . . . I believe your quests for "excitement" and not wanting to feel "left out" of the possibility of easy money are among the main reasons why you have made some bad, i.e., impulsive, choices. I suggest yo...
by beardsworth
Sun Dec 10, 2017 12:49 am
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 186
Views: 15787

Re: Save all this money, what do you splurge on?

Use of the search box near the top of the Bogleheads page, for the term "splurge," shows multiple previous discussions of this subject: https://www.google.com/search?sitesearch=bogleheads.org&q=splurge There was also this memorable thread, of almost 200 posts, on "That Extravagant Thing You Do." htt...
by beardsworth
Thu Dec 07, 2017 10:32 am
Forum: Investing - Theory, News & General
Topic: I-Bonds?
Replies: 51
Views: 7013

Re: I-Bonds?

bobbd wrote:
Thu Dec 07, 2017 10:16 am
Does anyone know regarding the purchase of I BONDS with tax refund and you buy $5000 do you get a $5000 Bond or multiple bonds to total $5000 ?
Every time we've done it, we've received six $50 paper bonds, one $200, one $500, and four $1000.
by beardsworth
Wed Dec 06, 2017 4:10 pm
Forum: Investing - Theory, News & General
Topic: I'm declaring a bubble, it's at the peak
Replies: 15
Views: 2436

Re: I'm declaring a bubble, it's at the peak

Keep in mind that the OP didn’t simply declare a bubble but also a peak. And, as the OP says, this may in fact be the peak, to be followed by a slow leak or a loud squeak. On the other hand, this may not be the peak. It may just be a peek of the peak from this particular week, when certainty is weak...
by beardsworth
Wed Dec 06, 2017 3:29 pm
Forum: Investing - Theory, News & General
Topic: I'm declaring a bubble, it's at the peak
Replies: 15
Views: 2436

Re: I'm declaring a bubble, it's at the peak

Can you at least tell us what asset the bubble is in? I too, plan to do nothing, but I want to be sure I know what to do nothing about. I would hate to do nothing and discover that it was wasted effort because I was steadfastly staying the course in something that wasn't in a bubble. I'm trying to ...
by beardsworth
Tue Dec 05, 2017 6:00 pm
Forum: Investing - Theory, News & General
Topic: Dodge & Cox Income
Replies: 5
Views: 950

Re: Dodge & Cox Income

I considered Dodge & Cox Income in the past, but decided against it. I'm in the confine-most-risk-to-the-stock-side camp, and didn't care for this fund's credit quality profile. The exact composition at any given time does change, of course, but, for example, in Morningstar's most recent analysis, 3...
by beardsworth
Tue Dec 05, 2017 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: New Cash - dollar-cost averaging in?
Replies: 35
Views: 2020

Re: New Cash - dollar-cost averaging in?

Thanks everyone for the replies. Normally, I would just reinvest immediately, but I've got reason right now to be more conservative that I didn't get into in my first post - I expect to leave my current job to do something new without income for a year or so ; i.e. I want to reduce risk in one area...
by beardsworth
Tue Dec 05, 2017 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: New Cash - dollar-cost averaging in?
Replies: 35
Views: 2020

Re: New Cash - dollar-cost averaging in?

So I'll register a dissent. The market is setting new records weekly, sometimes daily. Price/earnings ratios in U.S. stocks are high, and a lot of the overall gain of the U.S. market is being led by a small number of stocks. I don't think it's a time to throw lump sums at this market, and especiall...
by beardsworth
Tue Dec 05, 2017 8:48 am
Forum: Investing - Help with Personal Investments
Topic: New Cash - dollar-cost averaging in?
Replies: 35
Views: 2020

Re: New Cash - dollar-cost averaging in?

Fazu, welcome to the forum on your first-time post. If you've been lurking her for a while, you will probably have seen that there is a general sentiment, in most threads on this subject, against dollar-cost averaging, and in favor of lump-sum, or some version of it. So I'll register a dissent. The ...
by beardsworth
Mon Dec 04, 2017 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard MMF?
Replies: 13
Views: 1679

Re: Which Vanguard MMF?

Regarding the government funds, what's the difference between the federal and the treasury? Said respectfully . . . Your original post said that you had "seen" these funds, but it's not clear whether that means only that you're aware of their existence, or that you've actually done any of your own ...
by beardsworth
Mon Dec 04, 2017 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard MMF?
Replies: 13
Views: 1679

Re: Which Vanguard MMF?

I think the Prime MM would be better for you than the Federal or Treasury MM because it pays a higher yield. That is, in my opinion, not the sole factor in choosing whether to use Prime Money Market. Under the SEC alteration of money market fund operating rules, funds are generally classified as "g...
by beardsworth
Wed Nov 29, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: Don't leave your mac unattended! It has zero security now.
Replies: 21
Views: 2971

Re: Don't leave your mac unattended! It has zero security now.

For those of us who are tech-challenged and chose Mac for exactly that reason, i.e., its general "intuitive" feel and ease of hands-on use, what does it mean to "set a password to root"? What exactly does a person do to accomplish this? And is it something that will need to be un done when Apple its...
by beardsworth
Mon Nov 27, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: Amica Increase
Replies: 21
Views: 1846

Re: Amica Increase

I review my rates at least every 3 years, sometimes every year. Amica and GEICO are popular on this site, but are always among my highest quotes so I have never been insured by them. I search the big names and go through a local broker to help find smaller, but well rated insurance companies for qu...
by beardsworth
Mon Nov 27, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: Amica Increase
Replies: 21
Views: 1846

Re: Amica Increase

One thing to consider is that Amica typically pays annual dividends on each policy, which are essentially rebates. They are not guaranteed, but I have received them for years. This will bring the cost down a bit. When you get a quote from Amica, be sure to ask about the dividend rate. We do get a d...
by beardsworth
Sat Nov 25, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: What happens to Hilton points if I cancel my Citi Hilton CC
Replies: 8
Views: 823

Re: What happens to Hilton points if I cancel my Citi Hilton CC

OP, perhaps you just forgot to include it, but there's no mention of whether you've actually asked Hilton itself what would happen to these Hilton points.

If you haven't already done so, I'd suggest it--but in writing, for documentation.
by beardsworth
Sat Nov 25, 2017 10:18 am
Forum: Investing - Theory, News & General
Topic: International Bonds
Replies: 30
Views: 3087

Re: International Bonds

Valuethinker, I admire your patience and tact.
by beardsworth
Thu Nov 23, 2017 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Passing the second SSA Bend Point - Reversible?
Replies: 13
Views: 1583

Re: Passing the second SSA Bend Point - Reversible?

I don't see how because it is based on your highest 35 years of earnings. Even if you never earned another penny, your highest 35 years is already in the books. But why would you want less SS ? I, too, was confused about why someone would, in the words of the thread title, want to know whether Soci...
by beardsworth
Wed Nov 15, 2017 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 76
Views: 11056

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: 69
Views: 5297

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: 6019

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: 1304

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: 1304

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: 2505

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: 40
Views: 5141

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: 3682

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: 9300

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: 40
Views: 5141

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: 40
Views: 5141

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: 8514

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: 40
Views: 5141

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: 4468

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: 4468

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: 1424

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: 8364

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: 2808

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: 2808

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: 1654

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...