Search found 2105 matches

by beardsworth
Fri Oct 19, 2018 10:32 pm
Forum: Personal Consumer Issues
Topic: Cross-country trip via Amtrak
Replies: 58
Views: 5679

Re: Cross-country trip via Amtrak

At the end of our Alaska cruise 3 -4 yrs ago we traveled from Seattle to Minneapolis and the train was 26 hours late. I lost a days' worth of work and I will only travel by Amtrak again after I retire. That's horrendous and unfortunate, and no doubt incredibly frustrating from a passenger viewpoint...
by beardsworth
Fri Oct 19, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: Cross-country trip via Amtrak
Replies: 58
Views: 5679

Re: Cross-country trip via Amtrak

Do you know if it is possible to visit USMA West Point? It is. https://www.usma.edu/visiting/SitePages/Home.aspx https://www.usma.edu/visitors/SitePages/Home.aspx https://traveltips.usatoday.com/tours-west-point-new-york-56400.html But that's a separate issue from getting there by train. West Point...
by beardsworth
Thu Oct 18, 2018 4:36 pm
Forum: Investing - Theory, News & General
Topic: 30 yr TIPs auction: Oct. 18: 1.2% real yield?
Replies: 44
Views: 4013

Re: 30 yr TIPs auction: Oct. 18: 1.2% real yield?

Auction yield was 1.235% which I think is about 2.5 bps higher than where the secondary was trading just before auction. I.e. the auction”tailed” massively I.e. the market hates long term tips right now. I deployed all the spare cash I could. Wish I had bought more. grok, always interested to read ...
by beardsworth
Thu Oct 18, 2018 1:18 pm
Forum: Investing - Theory, News & General
Topic: 30 yr TIPs auction: Oct. 18: 1.2% real yield?
Replies: 44
Views: 4013

Re: 30 yr TIPs auction: Oct. 18: 1.2% real yield?

Auction yield was 1.235% which I think is about 2.5 bps higher than where the secondary was trading just before auction. I.e. the auction”tailed” massively I.e. the market hates long term tips right now. I deployed all the spare cash I could. Wish I had bought more. grok, always interested to read ...
by beardsworth
Thu Oct 18, 2018 11:34 am
Forum: Personal Consumer Issues
Topic: Cross-country trip via Amtrak
Replies: 58
Views: 5679

Re: Cross-country trip via Amtrak

Example: Sandpoint specifically (doing this from memory but Sandpoint is relative close to me so I have seriously looked at this ): open platform only, no parking, no waiting room, train scheduled in the middle of the night and stops only upon signal. Yes, the westbound Empire Builder (if on time) ...
by beardsworth
Thu Oct 18, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: Cross-country trip via Amtrak
Replies: 58
Views: 5679

Re: Cross-country trip via Amtrak

If it were me, I'd leave out of Oregon, head southeast through Boise and Salt Lake and stop in Denver, then fly the rest of the way. If this is intended as a train trip recommendation for the OP, it can't be done without going ridiculously out of the way to use multiple trains. Amtrak did once have...
by beardsworth
Wed Oct 17, 2018 10:48 pm
Forum: Personal Consumer Issues
Topic: Cross-country trip via Amtrak
Replies: 58
Views: 5679

Re: Cross-country trip via Amtrak

For the past year or so I've been thinking of taking a trip to the East Coast (Boston, New York, etc.) to visit friends and family. I'm pretty sure now that I'm gonna do it next spring. I've flown across the country many times (I live in Oregon). Now I'm toying with the idea of making the trip via ...
by beardsworth
Wed Oct 17, 2018 10:32 pm
Forum: Personal Consumer Issues
Topic: Cross-country trip via Amtrak
Replies: 58
Views: 5679

Re: Cross-country trip via Amtrak

If you check online schedules to Denver they will have you transfer in Sacramento. I would recommend transferring in Davis instead. Only a half hour or so difference and the Davis Amtrak depot is real close to the UC campus, lots or food places and when I was there a few years back a Whole Foods gr...
by beardsworth
Wed Oct 17, 2018 10:23 pm
Forum: Personal Consumer Issues
Topic: Cross-country trip via Amtrak
Replies: 58
Views: 5679

Re: Cross-country trip via Amtrak

If it were me, I'd leave out of Oregon, head southeast through Boise and Salt Lake and stop in Denver, then fly the rest of the way. If this is intended as a train trip recommendation for the OP, it can't be done without going ridiculously out of the way to use multiple trains. Amtrak did once have...
by beardsworth
Wed Oct 17, 2018 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: What do you consider 'enough'?
Replies: 96
Views: 11366

Re: What do you consider 'enough'?

Does anyone out there in their working years have a way of figuring out what is 'enough' in terms of income to support their current lifestyle and to also save for the future? I know it's different for everyone but I'd be curious to hear your thoughts on if and how you calculate how much is 'enough...
by beardsworth
Wed Oct 17, 2018 2:49 pm
Forum: Personal Consumer Issues
Topic: Not convinced with insurance
Replies: 45
Views: 3703

Re: Not convinced with insurance

I have been reading about insurance this week, but I am not convinced. . . . My conclusion so far . . . No term until we get a kid. What do you think? OP, here's another Bogleheads thread-in-progress, providing one example of why it may be a good idea to start life insurance before you "get a kid" ...
by beardsworth
Tue Oct 16, 2018 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: CREF Global Equities as 403b VTWSX equivalent?
Replies: 8
Views: 533

Re: CREF Global Equities as 403b VTWSX equivalent?

Perhaps the real question is how GOOD an equivalent of VTWSX is the CREF Global? If it isn't that good, should I just go with CREF Stock? I'm not sure the difference really matters all that much, unless you're really dedicated to a specific breakdown between domestic and foreign. I take it you mean...
by beardsworth
Tue Oct 16, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 15755

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

Here's a tax map - TX, IA, and ID are "neutral" and NC is favorable. https://www.kiplinger.com/tool/taxes/T055-S001-kiplinger-tax-map/index.php I look at those things, too, so I'm not dismissing the information in the link. But it's of limited usefulness in specific terms. A person who's going to r...
by beardsworth
Mon Oct 15, 2018 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: CREF Global Equities as 403b VTWSX equivalent?
Replies: 8
Views: 533

Re: CREF Global Equities as 403b VTWSX equivalent?

Perhaps the real question is how GOOD an equivalent of VTWSX is the CREF Global? If it isn't that good, should I just go with CREF Stock? For a long time, CREF Global Equities, despite its "global" name, only held stocks in developed markets, while CREF Stock, whose name makes no mention of interna...
by beardsworth
Mon Oct 15, 2018 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Long-term Care Insurance
Replies: 184
Views: 8962

Re: Long-term Care Insurance

In addition to issues of rising premiums, there has also been a drastic reduction in the number of companies, especially highly-rated "safe" companies, which offer this product at all. Yep. IIRC, there were over 100 providers of LTC insurance twenty years ago, and now there are fewer than ten. Some...
by beardsworth
Mon Oct 15, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 15755

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

Here's a tax map - TX, IA, and ID are "neutral" and NC is favorable. https://www.kiplinger.com/tool/taxes/T055-S001-kiplinger-tax-map/index.php I look at those things, too, so I'm not dismissing the information in the link. But it's of limited usefulness in specific terms. A person who's going to r...
by beardsworth
Mon Oct 15, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Long-term Care Insurance
Replies: 184
Views: 8962

Re: Long-term Care Insurance

The more I read about long-term care insurance, the more I think it is probably a good thing to have. . . . What do you think? That search box at the top of the Bogleheads forum pages can be your friend. This subject has been discussed here many times, in considerable depth. Here are search results...
by beardsworth
Mon Oct 15, 2018 7:38 am
Forum: Investing - Theory, News & General
Topic: Sears, a 125 year old company is now a penny stock.
Replies: 127
Views: 15546

Re: Sears, a 125 year old company is now a penny stock.

It was hard for a retailer catering to mass tastes like Sears to keep up. Agree. I've already commented, with links, elsewhere in this thread, on the fact that "changes in retailing" do not provide the whole story of what happened to Sears, and what was done to Sears, under its current management. ...
by beardsworth
Sun Oct 14, 2018 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Have you annuitized some of your money?
Replies: 67
Views: 5876

Re: Have you annuitized some of your money?

I agree that TIAA is "different", and isn't the "average annuity insurer", etc. We'll probably go over the state "guarantee" (in quotes, because it's not really a full guarantee, but that's a separate issue) at TIAA. But just as we do - and will continue to - keep investments/money in more than one...
by beardsworth
Sun Oct 14, 2018 6:10 pm
Forum: Investing - Theory, News & General
Topic: Sears, a 125 year old company is now a penny stock.
Replies: 127
Views: 15546

Re: Sears, a 125 year old company is now a penny stock.

An interesting overview, in today's New York Times, of the history of Sears as a national retailer, and what was done to Sears as a business organization.

https://www.nytimes.com/2018/10/14/busi ... er-11.html
by beardsworth
Sun Oct 14, 2018 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Have you annuitized some of your money?
Replies: 67
Views: 5876

Re: Have you annuitized some of your money?

We definitely plan to spread it around, such that no one vendor has much more than the so-called "guarantee" per our state. Coverage by state insurance guaranty associations, which are not actual agencies of state governments, range from $100,000 to $500,000, depending on the state. I won't ask you...
by beardsworth
Sat Oct 13, 2018 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Federal Money Market compared to Prime Money Market
Replies: 19
Views: 2306

Re: Vanguard Federal Money Market compared to Prime Money Market

I'm reading all of the responses and I guess I still don't understand the difference between the Federal and Prime MM Funds. Some other posters here have already mentioned, briefly, a distinction between "government" and non-government money market funds. Here's a more detailed explanation from Van...
by beardsworth
Thu Oct 11, 2018 1:55 pm
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 79
Views: 5991

Re: Anyone done a Hair Transplant?

Since I'm also interested in the OP's subject, I have to assume that he's as frustrated as I to see three dozen posts so far, most of which (although offered in a cheerful and supportive spirit) are completely irrelevant to what he requested: feedback from men who actually did a hair transplant. I ...
by beardsworth
Thu Oct 11, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 79
Views: 5991

Re: Anyone done a Hair Transplant?

Since I'm also interested in the OP's subject, I have to assume that he's as frustrated as I to see three dozen posts so far, most of which (although offered in a cheerful and supportive spirit) are completely irrelevant to what he requested: feedback from men who actually did a hair transplant. I h...
by beardsworth
Thu Oct 11, 2018 11:33 am
Forum: Investing - Help with Personal Investments
Topic: anybody sell I Bonds to buy something else?
Replies: 38
Views: 3643

Re: anybody sell I Bonds to buy something else?

I'm rethinking that approach, given the recent increases in interest rates. I could use those funds [proceeds from redeemed I Bonds] and very likely get better returns from CDs or short term bond funds. Just wondering if anybody else has sold their I Bonds for similar reasons. The downside, obvious...
by beardsworth
Wed Oct 10, 2018 9:04 am
Forum: Investing - Theory, News & General
Topic: Allan Roth doesn't like single premium annuities
Replies: 198
Views: 11047

Re: Allan Roth doesn't like single premium annuities

But I don't see cognitive decline mentioned in this thread , and that's what tips the scales for me. While I may be confident that I can manage my investments in a way that is superior to an SPIA, I may eventually reach a point where I can't even manage the simplest of portfolios (or worse, I make ...
by beardsworth
Wed Oct 10, 2018 8:01 am
Forum: Investing - Theory, News & General
Topic: Sears, a 125 year old company is now a penny stock.
Replies: 127
Views: 15546

Re: Sears, a 125 year old company is now a penny stock.

There's an article in the WSJ that Sears is filing for bankruptcy. https://www.wsj.com/articles/sears-hires-advisers-to-prepare-bankruptcy-filing-1539136189 And in The New York Times : https://www.nytimes.com/reuters/2018/10/10/business/10reuters-sears-holding-corp-bankruptcy.html https://www.nytim...
by beardsworth
Tue Oct 09, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 15755

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

You should consider the Coeur d alene, ID area. . . . Low cost of living. Lots of affordable housing. And lots of Californians who are relocating here. If the Northwest places we've checked out are a reliable guide, an influx of Californians (and the money and services expectations they bring with ...
by beardsworth
Tue Oct 09, 2018 6:41 am
Forum: Investing - Theory, News & General
Topic: Paul Romer & William Nordhaus share Nobel Prize in Economics
Replies: 16
Views: 1574

Re: Paul Romer & William Nordhaus share Nobel Prize in Economics

Hi bobcat2, Every time when the Nobel prize in economics is awarded I am disappointed that the most deserving person John C Bogle has again been bypassed. But what do Swedes know of low cost Index funds which have caused a revolution in how people can retire? John Bogle is not a professional or aca...
by beardsworth
Sun Oct 07, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 15755

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

Several points related to this whole discussion. I grew up in Idaho but have lived in several other states throughout my life. Retired and moved back. ... In my section of Idaho the winters are not harsh ( often freeze thaw snow and melt a few days latter) For my tastes they are actually too mild. ...
by beardsworth
Sun Oct 07, 2018 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone used software to write a Will?
Replies: 15
Views: 1342

Re: Has anyone used software to write a Will?

That search box at the top of the forum page can be your friend. These were some Bogleheads forum results from a simple search combining the terms software and will.

https://www.google.com/search?sitesearc ... tware+will
by beardsworth
Sat Oct 06, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: Advice on Three-Night English Road Trip
Replies: 30
Views: 2114

Re: Advice on Three-Night English Road Trip

OP, is your wish to rent a car simply based on wanting to get to a large number of fairly rural places, or do you/spouse have mobility issues which would hinder a lot of walking? I ask because, IMO, your planned English itinerary seems overstuffed, and it doesn't seem like you're going to have much ...
by beardsworth
Fri Oct 05, 2018 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: Should I use the VBINX balanced fund?
Replies: 2
Views: 665

Re: Should I use the VBINX balanced fund?

Hi Everyone, got general question, i am 6 years from retiring and I have quite a bit in socks , example i have 80 percent in stocks suck as appl, atvi, xom, mro, cop, bp, wfc, pxd, mtch, apa, wmt, hal, cg, and many more, i am up pretty good on some of these as I bough a lot of oil stocks when they ...
by beardsworth
Fri Oct 05, 2018 7:02 am
Forum: Investing - Theory, News & General
Topic: Where is that value premium?
Replies: 57
Views: 4239

Re: Where is that value premium?

The value premium is like Bigfoot or the Yeti. It goes long periods of time without being seen. :)
by beardsworth
Sun Sep 30, 2018 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner. Want to get mega-rich. Help with portfolio, tips, etc.
Replies: 87
Views: 8621

Re: Beginner. Want to get mega-rich. Help with portfolio, tips, etc.

LiquidSky, As a number of people have mentioned, this forum is not really a place for advice on how to get "mega-rich" "mega-quick." The forum is named after John Bogle, founder of the Vanguard group of mutual funds, who has long preached, with sound evidence to back up the approach, that investors ...
by beardsworth
Sat Sep 29, 2018 8:28 am
Forum: Investing - Theory, News & General
Topic: Sears, a 125 year old company is now a penny stock.
Replies: 127
Views: 15546

Re: Sears, a 125 year old company is now a penny stock.

Changes in retailing are a part of how such a legendary company came to be in this sad condition, but they're by no means the entire story. https://www.usatoday.com/story/money/2017/03/22/sears-holdings-ceo-eddie-lampert/99487518/ https://www.businessinsider.com/how-eddie-lampert-set-sears-up-to-fa...
by beardsworth
Fri Sep 28, 2018 8:51 pm
Forum: Investing - Theory, News & General
Topic: Sears, a 125 year old company is now a penny stock.
Replies: 127
Views: 15546

Re: Sears, a 125 year old company is now a penny stock.

Changes in retailing are a part of how such a legendary company came to be in this sad condition, but they're by no means the entire story. https://www.usatoday.com/story/money/2017/03/22/sears-holdings-ceo-eddie-lampert/99487518/ https://www.businessinsider.com/how-eddie-lampert-set-sears-up-to-fai...
by beardsworth
Thu Sep 27, 2018 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard’s small cap index fund NAESX Asset Allocation
Replies: 11
Views: 451

Re: Vanguard’s small cap index fund NAESX Asset Allocation

Sgt.Pepper wrote:
Thu Sep 27, 2018 7:11 pm
In Personal Finance’s assets allocations, half of that amount is listed as mid cap stocks, half as small cap stocks.

What's the reason for this?
There was another thread along similar lines, several months ago:

viewtopic.php?t=247099
by beardsworth
Wed Sep 26, 2018 6:01 pm
Forum: Investing - Theory, News & General
Topic: Economic reasons for rate increase by the Fed?
Replies: 71
Views: 6177

Re: Economic reasons for rate increase by the Fed?

The principle was most succinctly and humorously stated by William McChesney Martin, chairman of the Fed for most of the 1950s and all of the 1960s, who said that it's the Fed's job "to take away the punch bowl just as the party gets going."
by beardsworth
Sun Sep 23, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 92
Views: 11762

Re: Minimalist Lifestyle

. . . I read a story about a couple that sold everything except a few suitcases and lived for extended periods around the world. It sounded frightening at the time but also very adventurous. . . . Perhaps these? http://www.homefreeadventures.com And that search box at the top of the forum page can ...
by beardsworth
Sun Sep 23, 2018 10:41 am
Forum: Local Chapters and Bogleheads Community
Topic: Seattle folks - looking for reviews of Sandpoint cc
Replies: 1
Views: 443

Re: Seattle folks - looking for reviews of Sandpoint cc

I don't have the specific information you seek. But that country club in Seattle is Sand Point (two words), https://www.sandpointcc.com/ and there have been other threads on this forum discussing the town of Sandpoint (one word), Idaho, which also has a Sandpoint (one word) Country Club. I'd suggest...
by beardsworth
Sun Sep 23, 2018 7:42 am
Forum: Personal Consumer Issues
Topic: HOA Donation in Remembrance of Deceased Owner
Replies: 40
Views: 3178

Re: HOA Donation in Remembrance of Deceased Owner

I'm the past president and current treasurer of a small HOA where my wife and I have lived for 15 years. The association always personally greets new residents with a housewarming gift, typically a houseplant in a decorative container. And we always send funeral flowers when a homeowner passes. Yes,...
by beardsworth
Sun Sep 02, 2018 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: How to Retire in Your 30's with $1 Million in the Bank
Replies: 148
Views: 18912

Re: How to Retire in Your 30's with $1 Million in the Bank

There was already a lengthy thread in progress, based on the same New York Times article linked in the original post here, but it seems to have disappeared. I no longer see it listed in any of the recent forum topics. If I saved the right URL, it was this: https://www.bogleheads.org/forum/viewtopic....
by beardsworth
Tue Aug 28, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: How to Pass on Money Against My Sister's Wishes (Ethics and Finance)
Replies: 74
Views: 7622

Re: How to Pass on Money Against My Sister's Wishes (Ethics and Finance)

stargazer, in writing this post I'm thinking about the emotional/familial aspects of the situation. Let's assume, as seems likely, that your sister will predecease all four of her children. What is your own relationship with the 4th child whom your sister wishes to exclude from this money, and what ...
by beardsworth
Sun Aug 26, 2018 12:46 am
Forum: Personal Finance (Not Investing)
Topic: Christine Benz: "75 Must-Know Statistics About Long-Term Care"
Replies: 31
Views: 5932

Re: Christine Benz: "75 Must-Know Statistics About Long-Term Care"

Note that this thread was started by gkaplan a year ago, went dormant, but has now been revived. It might be more appropriate instead to add new comments to the following thread, started within the past week, discussing the latest edition of Christine Benz's now-annual article about LTC statistics: ...
by beardsworth
Wed Aug 22, 2018 10:52 pm
Forum: Personal Consumer Issues
Topic: Retirement location planning
Replies: 19
Views: 2190

Re: Retirement location planning

I'm always amazed when people consider retirement to places characterized by sprawl development without any meaningful or convenient public transportation. It seems they're assuming that they'll never face any limitations on their ability to drive.
by beardsworth
Mon Aug 20, 2018 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 137
Views: 18237

Re: Teachers Who Have Net Worth of $1 million +

As the OP, I'd like to thank everyone for sharing their "The Millionaire Teacher Next Door" stories. Since many other posters here responded to your request by divulging details of their financial lives and discussions of how they reached their goals, is there any particular reason why, as a retire...
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: 151
Views: 15229

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: 20
Views: 1637

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: 5445

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...