Search found 2032 matches

by beardsworth
Sat Jun 23, 2018 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: AARP: 10 Commandments [of Money, by Allan Roth]
Replies: 14
Views: 1906

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: 14
Views: 1906

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: 14
Views: 1906

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: 69
Views: 7756

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: 69
Views: 7756

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: 3342

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: 1087

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: 6151

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: 11716

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: 11716

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: 958

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: 958

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: 2152

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: 1715

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: 1857

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: 5742

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: 791

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: 5742

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: 8288

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: 8288

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: 3814

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: 3722

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: 3722

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: 3722

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...
by beardsworth
Mon May 07, 2018 7:08 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Guaranteed Annuity
Replies: 83
Views: 3722

Re: TIAA Guaranteed Annuity

There are already a lot of good responses. One thing I am gathering from your post I am replying to is that you are conflating the TIAA Traditional investment with an annuity. TIAA Traditional is a low risk investment (guaranteed return, won't go down in value), which, however, comes with the drawb...
by beardsworth
Mon May 07, 2018 6:11 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Guaranteed Annuity
Replies: 83
Views: 3722

Re: Vanguard Guaranteed Annuity

So the interest rate on the monies in my TIAA traditional depends on when it was contributed and I can see it here https://www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933630 under ACCUMULATING STAGE INTEREST CREDITING RATES AS OF 5/01/2018 and then the payout rates a...
by beardsworth
Sun Apr 29, 2018 9:38 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Guaranteed Annuity
Replies: 83
Views: 3722

Re: TIAA Guaranteed Annuity

This is about money that's already in TIAA. It's not about new monies. So perhaps the question should have been about TIAA Guaranteed Annuity at 4%. Perhaps that's a reason not to move the monies out of it, or perhaps move some of it but not all of it. You are apparently focusing on the 4% rate for...
by beardsworth
Sun Apr 29, 2018 9:26 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Guaranteed Annuity
Replies: 83
Views: 3722

Re: TIAA Guaranteed Annuity

Note that this thread was originally titled "Vanguard Guaranteed Annuity" but the OP(?) has now retitled it "TIAA Guaranteed Annuity."
by beardsworth
Sun Apr 29, 2018 9:19 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Guaranteed Annuity
Replies: 83
Views: 3722

Re: Vanguard Guaranteed Annuity

This is about money that's already in TIAA. It's not about new monies. So perhaps the question should have been about TIAA Guaranteed Annuity at 4%. Perhaps that's a reason not to move the monies out of it, or perhaps move some of it but not all of it. You are apparently focusing on the 4% rate for...
by beardsworth
Sun Apr 29, 2018 8:51 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Guaranteed Annuity
Replies: 83
Views: 3722

Re: Vanguard Guaranteed Annuity

In another recent thread https://www.bogleheads.org/forum/viewtopic.php?f=1&t=246749 you were inquiring about the advisability or non-advisability of moving assets from TIAA to Vanguard. Your explanation of the investment options available to you at TIAA included the TIAA Traditional Annuity, and I'...
by beardsworth
Wed Apr 18, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Broke up with my girlfriend for financial reasons: crazy?
Replies: 53
Views: 3578

Re: Broke up with my girlfriend for financial reasons: crazy?

What do you think? I agree that your ex seems to be driving a car more expensive than is appropriate for her financial condition. Otherwise, I find this story rather sad. I *think* it would be a good idea for you to calculate what a $40 dinner, or any other expense involving a companion, represents...
by beardsworth
Sun Apr 15, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: Mozart in the morning, please
Replies: 18
Views: 2390

Re: Mozart in the morning please

Well, we're getting away from the OP's technology-related question, but as long as people are thinking about "music to wake up by" (and hoping I got these links in the right order): Haydn's Morning Symphony https://www.youtube.com/watch?v=7jJYulzqUOI "Sunrise" from Grofé's Grand Canyon Suite https:/...
by beardsworth
Thu Apr 12, 2018 5:47 am
Forum: Investing - Theory, News & General
Topic: I bonds rates and returns
Replies: 7
Views: 1455

Re: I bonds rates and returns

2) " If you redeem an I bond before it is five years old, you will lose the last three months of interest. " I wanted to know, how much I will loose in dollar amount, if I sell the bonds before 5 years ? I have looked for monthly return calculators online, but haven't been able to find one (the one...
by beardsworth
Thu Apr 12, 2018 5:19 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 38941

Re: Name something you bought that wasn't cheap and glad you did

OP, that search box at the top of each forum page can be your friend. Do searches for "splurge" and "extravagance" to view multiple previous threads of this type. Geez....what a buzzkill....what a fun thread! Remodel kitchen and master bath. The master bath is absolutely perfect -- spa like and mak...
by beardsworth
Tue Apr 10, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 38941

Re: Name something you bought that wasn't cheap and glad you did

OP, that search box at the top of each forum page can be your friend.

Do searches for "splurge" and "extravagance" to view multiple previous threads of this type.
by beardsworth
Sun Apr 08, 2018 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Current Thinking About TIAA Real Estate?
Replies: 18
Views: 1398

Re: Current Thinking About TIAA Real Estate?

It was amusing to see the posting of the TREA prices as if divining tea leaves . Since this is a situation where the language of divination intersects nicely with the way people colloquially describe sustained up or down market direction, I would have said "as if looking for bear droppings." :)
by beardsworth
Sat Apr 07, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: [When is going out to a restaurant worth it to you?]
Replies: 71
Views: 5621

Re: Restaurants Vs. Cooking?

When do you pick a restaurant over cooking? Sometimes we'll do go out for something reasonably healthy and not very expensive, e.g., Chipotle or Panera (the soup and salad, not the sweets). Otherwise, I can't even remember the last time we were in a true "restaurant" with wait staff. We just have n...
by beardsworth
Sat Apr 07, 2018 7:47 am
Forum: Investing - Help with Personal Investments
Topic: Current Thinking About TIAA Real Estate?
Replies: 18
Views: 1398

Re: Current Thinking About TIAA Real Estate?

cinghiale, suggest you look at Morningstar's TIAA discussion forum, where not a week passes (and, it seems, sometimes not a day) without a discussion of this vehicle. Just look down the current previous thread title pages for TREA (TIAA Real Estate Account) and other discussions of the current gener...
by beardsworth
Fri Apr 06, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Waterbury, Stowe, Burlington, VT
Replies: 12
Views: 758

Re: Waterbury, Stowe, Burlington, VT

Montpelier is also the site of the New England Culinary Institute, which operates several restaurants.

https://www.neci.edu/our-restaurants.php?tab=3
by beardsworth
Thu Apr 05, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: flood and earthquake insurance for house
Replies: 15
Views: 1186

Re: flood and earthquake insurance for house

My house is not in a flood zone, nor in a seismically active area (I did feel very slight tremors from an earthquake about 150 miles away). However, given that weird things can happen I decided to look into quotes. If I add earthquake ($300) and flood insurance ($450), it will more than double my a...
by beardsworth
Wed Apr 04, 2018 2:34 pm
Forum: Investing - Theory, News & General
Topic: Anyone Pulled the Trigger on Global Wellington/Wellesley?
Replies: 16
Views: 4351

Re: Anyone Pulled the Trigger on Global Wellington/Wellesley?

I think Global Wellington and Global Wellesley could be interesting funds. But each has essentially been treading water during its short life. The "Investor" shares opened in November at $20 per share, and each fund was still very slightly below that at yesterday's close. Of course, markets have se...
by beardsworth
Wed Apr 04, 2018 11:53 am
Forum: Investing - Theory, News & General
Topic: Anyone Pulled the Trigger on Global Wellington/Wellesley?
Replies: 16
Views: 4351

Re: Anyone Pulled the Trigger on Global Wellington/Wellesley?

I think Global Wellington and Global Wellesley could be interesting funds. But each has essentially been treading water during its short life. The "Investor" shares opened in November at $20 per share, and each fund was still very slightly below that at yesterday's close. Of course, markets have see...
by beardsworth
Wed Apr 04, 2018 6:34 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Camry. What's wrong with me?
Replies: 99
Views: 5896

Re: 2018 Camry. What's wrong with me?

wows . . . oohs . . . a nice compliant drive . . . connections . . . excitement. Those are the kinds of qualities one expects, or at least hopes for, in a human spouse. :) A car is for reliable transportation in reasonably pleasant surroundings. The money saved by buying a car like a Camry, instead...
by beardsworth
Sun Apr 01, 2018 7:26 pm
Forum: Investing - Theory, News & General
Topic: “We’re not making enough money off you”
Replies: 62
Views: 11027

Re: “We’re not making enough money off you”

Rick Ferri wrote:
Sun Apr 01, 2018 7:10 pm
bought and held individual bonds until maternity,
Nine months isn't a very long holding period for bonds. :)
by beardsworth
Sun Apr 01, 2018 6:19 am
Forum: Investing - Help with Personal Investments
Topic: Savings Bond Safety
Replies: 15
Views: 1510

Re: Savings Bond Safety

The OP began by asking about people's willingness to buy electronic savings bonds. On that point, I tend to agree with nisiprius, i.e., there doesn't seem to be any particular evidence that non-governmental financial institutions are any safer, or have fewer disclaimers, than Treasury Direct. Nor ha...
by beardsworth
Tue Mar 27, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Grass is always greener, federal edition
Replies: 59
Views: 6782

Re: Grass is always greener, federal edition

A job you enjoy, with stable continued employment prospects; work rules which offer a certain amount of protection of family life against unreasonable time demands from the employer; and a retirement plan essentially free of employer tampering at the expense of the employees; is not something to be ...
by beardsworth
Mon Mar 26, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: Savannah or Charleston?
Replies: 49
Views: 4303

Re: Savannah or Charleston?

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

For example, these results for a single search but using the names of both cities together:

https://www.google.com/search?sitesearc ... charleston

And, of course, you can also search each name individually.
by beardsworth
Tue Mar 20, 2018 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: "vanguard settlement fund"
Replies: 8
Views: 1483

Re: "vanguard settlement fund"

Although there are people who will feel it doesn't matter much, Vanguard's assorted money market funds don't all operate under identical rules concerning risk, liquidity, and potential additional fees. Under the SEC alteration of money market fund operating rules, funds are generally classified as "...
by beardsworth
Mon Mar 19, 2018 11:34 am
Forum: Investing - Theory, News & General
Topic: TIAA traditional question
Replies: 14
Views: 1154

Re: TIAA traditional question

The liquid version currently pays 3.25%, and the illiquid version pays 4.0%. Those yields are significantly higher than any investment grade bond fund I'm aware of these days. Those numbers are accurate, as far as they go, as a shorthand way of describing current rates for new contributions made th...
by beardsworth
Sun Mar 18, 2018 4:42 pm
Forum: Personal Consumer Issues
Topic: Cabot Trail, Nova Scotia (Cheticamp, Ingonish, Cape Breton)
Replies: 12
Views: 1061

Re: Cabot Trail, Nova Scotia (Cheticamp, Ingonish, Cape Breton)

Can't give any advice on the general topic, as we were there too many years ago to be relevant now.

But I assume the doggy meets Canada's entry requirements?

https://travel.gc.ca/returning/customs/ ... -to-canada