Search found 251 matches

by smectym
Sun Dec 09, 2018 12:12 am
Forum: Investing - Help with Personal Investments
Topic: 20M Inheritance - What is best option for small/no risk on principal?
Replies: 93
Views: 11788

Re: 20M Inheritance - What is best option for small/no risk on principal?

Few inherit $20M without also inheriting explicit or implicit fiduciary duties. Applying cookie-cutter Boglehead stock/bond portfolio allocation advice to portfolios of that size is inappropriate. I’d make it a point not to see any down days when reviewing portfolio statements with that kind of corp...
by smectym
Sun Dec 09, 2018 12:05 am
Forum: Investing - Help with Personal Investments
Topic: 20M Inheritance - What is best option for small/no risk on principal?
Replies: 93
Views: 11788

Re: 20M Inheritance - What is best option for small/no risk on principal?

Ruminating on how to manage someone else’s $20M payday is a lot like than fantasizing how one would invest that powerball draw IF it came up aces but here goes: If I had that problem and were new to investing, I’d go to Treasury Direct, set up a maturity ladder, and collect the coupon while studying...
by smectym
Sat Nov 24, 2018 12:28 am
Forum: Investing - Theory, News & General
Topic: ?Admiral share availability in other brokerages?
Replies: 21
Views: 2320

Re: ?Admiral share availability in other brokerages?

Yes I went through the exercise in my Vanguard account. I tried to buy $3,000 VBINX and got a message that it was closed. Then tried a $3000 buy for VBIAX (the Admiral class) and that was approved. The democratization of lower ER can only be cheered. But let’s see whether Vanguard will eventually in...
by smectym
Sat Nov 24, 2018 12:08 am
Forum: Investing - Help with Personal Investments
Topic: Two I-Bond questions (strategy and withdrawal)
Replies: 7
Views: 1054

Re: Two I-Bond questions (strategy and withdrawal)

We have quite a few both I and EE, purchased in bulk starting at turn of the millennium up to the GFC. For most of that time frame the maximum purchase limits were much higher than currently. Now it’s tough to redeem any of them because the I bonds were mostly purchased back when fixed rates were de...
by smectym
Thu Nov 22, 2018 12:48 am
Forum: Investing - Help with Personal Investments
Topic: Can someone explain what's going on [with the stock market]?
Replies: 96
Views: 13100

Re: Can someone explain what's going on [with the stock market]?

Rudedog wrote:
Tue Nov 20, 2018 10:41 am
S & P was at 2,377 earlier this summer, you are still ahead for the year. I'm buying Microsoft if it gets much below $ 100. Not sure about AT&T, I may buy some more of it.
Rudedog, I don’t see SPX 2377 over the summer. A typo?

http://schrts.co/5Bd1Rw

Smectym
by smectym
Wed Nov 21, 2018 4:03 am
Forum: Personal Finance (Not Investing)
Topic: Is my husband ready to quit tenured professorship to pursue side hustle?
Replies: 97
Views: 10386

Re: Is my husband ready to quit tenured professorship to pursue side hustle?

After some soul searching, he’s realized that he’s ready to let go of teaching. If not now, then when? Congratulations on being debt free and strategically building a solid financial foundation. Now go enjoy it. :sharebeer Agree. I’m an attorney but I have an academic background and plenty of instr...
by smectym
Wed Nov 21, 2018 3:36 am
Forum: Investing - Theory, News & General
Topic: What's in your Investor Policy Statement about Bear Markets?
Replies: 52
Views: 3487

Re: What's in your Investor Policy Statement about Bear Markets?

This is an excellent thread. All wise investors must scan each post and check off any sign of
(a) smugness
(b) complacency
(c) dogmatism

and make a note to expunge any such tendencies from their own investor policy statement.

Smectym
by smectym
Tue Nov 20, 2018 12:32 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 98899

Re: How much international stock? A suggestion.

B) Geopolitical risk affects US stocks just as much as international stocks: changing the ratio of US stocks to international stocks will have no significant impact on your exposure to "geopolitical risk". In fact, you could make a reasonable argument that reducing your single country concentration...
by smectym
Mon Nov 19, 2018 11:42 pm
Forum: Investing - Theory, News & General
Topic: Where do you get your information? Favorite blogs/sites/resources?
Replies: 25
Views: 2604

Re: Where do you get your information? Favorite blogs/sites/resources?

WSJ, FT, and Spectator (UK). But don’t neglect zerohedge: though for most bogleheads too much to take, amidst all the doom porn and Russian disinformation lurk some informative nuggets. For international affairs try ISW (Institute for the Study of War). Neocon but very factual and highly informative...
by smectym
Mon Nov 19, 2018 3:33 am
Forum: Investing - Help with Personal Investments
Topic: Current Retirees: Do you touch your principal?
Replies: 79
Views: 8232

Re: Current Retirees: Do you touch your principa

This seems like an anachronistic way to frame the question. Many stocks pay no dividends and there is no fundamental difference between selling some of such stock for spending and spending instead of reinvesting dividends. Either way the value of your holdings declines. So we are in that sense all ...
by smectym
Mon Nov 19, 2018 3:06 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 98899

Re: How much international stock? A suggestion.

Visualguy, Vanguard started its go-global push in 2014, suggesting a minimum of 20% international—but, in this white paper, observing diminishing returns after 30%.

Good question, when did 40% become the de facto new normal?

https://personal.vanguard.com/pdf/ISGGEB.pdf

Smectym
by smectym
Mon Nov 19, 2018 2:36 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 98899

Re: How much international stock? A suggestion.

As I’ve mentioned in other threads, and I’ve taken some heat for it, I’m critical of the way Vanguard has gone about its international equities allocation crusade. It’s been something of a lurch. And Vanguard never explained (to my knowledge) whether it has now concluded that previously it had erron...
by smectym
Mon Nov 19, 2018 2:10 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Investments With a Balanced Portfolio
Replies: 7
Views: 1430

Re: Vanguard Investments With a Balanced Portfolio

I’m a bit surprised to see investors actively seeking to load up on corporate bonds at this stage of the credit cycle. During QE many companies took on vast slugs of debt. There are already signs of distress from some of these firms as the Fed continues to raise rates. Check out stories on GE debt d...
by smectym
Mon Nov 19, 2018 1:53 am
Forum: Investing - Help with Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 129
Views: 19747

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

Therefore, investors are responsible for regular monitoring of the portfolio. In times of market stress this duty is enhanced, not attenuated or negated. Smectym What does monitoring portfolio really mean? If you are not tinkering with it, if you are not adjusting/changing asset allocation periodic...
by smectym
Sun Nov 18, 2018 1:04 am
Forum: Personal Finance (Not Investing)
Topic: Why I plan on buying a life annuity - even if it is a stupid idea
Replies: 117
Views: 10745

Re: Why I plan on buying a life annuity - even if it is a stupid idea

Another example of the “targeted” approach might be to take out a small annuity that pays out just once a year—in an amount sufficient to cover property taxes. That solves a particular issue that can cause some households lot of angst and worry. If this approach provides security and peace of mind r...
by smectym
Sun Nov 18, 2018 12:50 am
Forum: Personal Finance (Not Investing)
Topic: Why I plan on buying a life annuity - even if it is a stupid idea
Replies: 117
Views: 10745

Re: Why I plan on buying a life annuity - even if it is a stupid idea

We haven’t done a life annuity yet but we’ve done a couple of 10 year SPIA’s designed to do things like bridge the gap to Social Security. Sure, some percentage of each monthly check—a substantial percentage—is a return of investor capital. May I point out that there are a lot of investors who would...
by smectym
Sat Nov 17, 2018 10:06 am
Forum: Investing - Theory, News & General
Topic: If riskier than US, why doesn't international outperform?
Replies: 171
Views: 9668

Re: If riskier than US, why doesn't international outperform?

My question would be is why has Vanguard made such a decision on the target dated funds and the lifestyle funds. They have made a commitment to invest over 30% percent of the stocks in international? So, I question does anyone really know more than the people at Vanguard? Not sure what other target...
by smectym
Thu Nov 15, 2018 2:39 am
Forum: Investing - Help with Personal Investments
Topic: 34 y/o & received a 72k inheritance; requesting feedback on my asset allocation/plan
Replies: 6
Views: 818

Re: 34 y/o & received a 72k inheritance; requesting feedback on my asset allocation/plan

Hey TM, your inheritance is a big deal in any event, but especially if we lend credence to statistics which suggest that the median net worth of those under 35 is something like $11,000.

Smectym
by smectym
Thu Nov 15, 2018 2:18 am
Forum: Investing - Help with Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 129
Views: 19747

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

My portfolio has gone down by $12000 over the past few days. I know people on here say it's a blip on the radar, but when I think about what I have to go through to earn $12k ($12k = two months of STRESSFUL hard work) it doesn't seem that trivial any more. Have you thought about how many months you...
by smectym
Thu Nov 15, 2018 2:04 am
Forum: Investing - Help with Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 129
Views: 19747

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

Hi everyone, With all the swings up and down recently I am finding that it's too much volatility for me. My portfolio has gone down by $12000 over the past few days. I know people on here say it's a blip on the radar, but when I think about what I have to go through to earn $12k ($12k = two months ...
by smectym
Tue Nov 13, 2018 12:41 am
Forum: Investing - Theory, News & General
Topic: "Rules-Based Risk Management System" = Market Timing = Momentum/Trend Following?
Replies: 64
Views: 3385

Re: "Rules-Based Risk Management System" = Market Timing = Momentum/Trend Following?

Nor do I agree with the often-heard counter-argument that if an investor is unprepared to stomach the volatility that can lead to occasional 50% declines, then the investor should adjust the portfolio “to the sleeping point.” Really horrible idea. Our investor doesn’t object to volatility per se: on...
by smectym
Tue Nov 13, 2018 12:10 am
Forum: Investing - Theory, News & General
Topic: "Rules-Based Risk Management System" = Market Timing = Momentum/Trend Following?
Replies: 64
Views: 3385

Re: "Rules-Based Risk Management System" = Market Timing = Momentum/Trend Following?

As a side node, IMHO using bonds as the safe asset in the backtest is overly optimistic considering the era PV has data for. The chance of treasuries repeating their performance since 1980 is basically zero unless you think yields could drop to -5% or so. Especially as a Euro area guy, I'm not expe...
by smectym
Mon Nov 12, 2018 12:01 am
Forum: Investing - Help with Personal Investments
Topic: Move savings to Prime Money Market Fund (VMMXX)
Replies: 55
Views: 7642

Re: Move savings to Prime Money Market Fund (VMMXX)

For these reasons I prefer Vanguard's Federal MM over Prime MM. How do I find out how much of Federal MM is taxable in my state? I found the PDF that showed the taxable percentages for their municipal funds, but nothing on Federal MM. 69.86% from US Govt Obligations. https://personal.vanguard.com/p...
by smectym
Sun Nov 11, 2018 2:30 am
Forum: Investing - Help with Personal Investments
Topic: Is it a waste keeping money in a money market account?
Replies: 33
Views: 7099

Re: Is it a waste keeping money in a money market account?

I have about $60K in a money market account, with $15-20K of that being allotted for emergency fund and the rest for a down payment. I hate leaving this much in a money market account however I may need it within the next few years. Is this a suitable place to store this much money given my goals o...
by smectym
Sun Nov 11, 2018 1:46 am
Forum: Investing - Help with Personal Investments
Topic: Is it a waste keeping money in a money market account?
Replies: 33
Views: 7099

Re: Is it a waste keeping money in a money market account?

I have about $60K in a money market account, with $15-20K of that being allotted for emergency fund and the rest for a down payment. I hate leaving this much in a money market account however I may need it within the next few years. Is this a suitable place to store this much money given my goals o...
by smectym
Sun Nov 11, 2018 1:23 am
Forum: Investing - Help with Personal Investments
Topic: Is it a waste keeping money in a money market account?
Replies: 33
Views: 7099

Re: Is it a waste keeping money in a money market account?

Vanguard Prime is a great money market fund, and quite conservatively managed. Expenses low, yield high. However, I still prefer Vanguard’s all-Treasury-bill fund, Vanguard Treasury Money Market VUSXX, with a current yield at 2.12%, just slightly behind Prime, but bearing lower risk. Prime invests i...
by smectym
Sat Oct 27, 2018 11:45 pm
Forum: Investing - Help with Personal Investments
Topic: Series I Savings Bonds
Replies: 35
Views: 3862

Re: Series I Savings Bonds

A few reasons to own I Bonds in one's taxable account: 1. That's the only place you can own them. 2. They expand one's tax-deferred space. (Additional tax-deferral for up to 30 years.) 3. They're risk-free. 4. They offer guaranteed INflation protection. 4. They also offer DEflation protection. (The...
by smectym
Mon Oct 22, 2018 10:50 pm
Forum: Investing - Theory, News & General
Topic: Protecting large sums of cash.
Replies: 30
Views: 4023

Re: Protecting large sums of cash.

People have mentioned CDARS. There is a sister product called ICS (Insured Cash Sweep) that works the same way but is a demand deposit: https://www.insuredcashsweep.com/ Basically, these sweep your deposits to other banks where they are held on your behalf and each sweep bank comes with an addition...
by smectym
Mon Oct 22, 2018 12:18 am
Forum: Investing - Help with Personal Investments
Topic: Any government guaranteed money market funds available?
Replies: 8
Views: 996

Re: Any government guaranteed money market funds available?

Hello, I wanted to know if there are any U.S. government guaranteed money market funds available? (Funds are different than accounts). Vanguard offers a Prime Market Account and a Federal Money Market Fund.....neither is guaranteed by the U.S. government. As far as I know, savings accounts in banks...
by smectym
Sun Oct 21, 2018 11:49 pm
Forum: Investing - Theory, News & General
Topic: Moneytalk with Bob Brinker coming to an end
Replies: 70
Views: 11406

Re: Moneytalk with Bob Brinker coming to an end

Anyone remember his phrase: being in the catbird seat? I did hear Brinker make reference to being “in the catbird seat” once or twice. Brinker may have picked the expression up from a well-known short story by James Thurber, http://thereycenter.org/uploads/3/4/3/2/3432754/thecatbirdseat_thurber.pdf...
by smectym
Thu Oct 18, 2018 1:41 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Prepare For The Bear
Replies: 74
Views: 10063

Re: Larry Swedroe: Prepare For The Bear

Swedroe’s article disingenuously offers that “there is an old saying” that “there is a time for every activity...” etc. (pre-lapsarians may recall the literate version of Ecclesiastes 3.1,”To everything there is a season; and a time to every purpose under heaven.”) This is Swedroe stealth quoting f...
by smectym
Wed Oct 17, 2018 1:04 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Prepare For The Bear
Replies: 74
Views: 10063

Re: Larry Swedroe: Prepare For The Bear

Swedroe’s article disingenuously offers that “there is an old saying” that “there is a time for every activity...” etc. (pre-lapsarians may recall the literate version of Ecclesiastes 3.1,”To everything there is a season; and a time to every purpose under heaven.”) This is Swedroe stealth quoting fr...
by smectym
Wed Oct 17, 2018 12:28 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Prepare For The Bear
Replies: 74
Views: 10063

Re: Larry Swedroe: Prepare For The Bear

There is a vibe that this market is one bad hair day from a nervous breakdown. I don't subscribe, but the large swings may indicate that there is some substance to the fear. The wounds of 2008--2009 were very deep, and haven't completely healed (if ever). Having conviction on the direction of the m...
by smectym
Tue Oct 16, 2018 11:54 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Prepare For The Bear
Replies: 74
Views: 10063

Re: Larry Swedroe: Prepare For The Bear

It seems to me that a Boglehead should always be prepared for the bear. :moneybag To the extent that the correct boglehead reaction to a bear market is to “tune out the noise” and do nothing while the portfolio principal melts away (“staying the course”), not clear what preparation you refer to: ze...
by smectym
Tue Oct 16, 2018 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018
Replies: 69
Views: 13984

Re: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018

I’m a millionaire (very much “next door,” or even “down in the alley,” I buy the $0.88 loaves of bread and all that) and I can tell you there’s nothing to “becoming a millionaire” and it’s overrrated. Who cares? Life was better when we had nothing.

Smectym
by smectym
Tue Oct 16, 2018 11:20 pm
Forum: Investing - Theory, News & General
Topic: Vanguard screws up rollover from TSP
Replies: 41
Views: 4494

Re: Vanguard screws up rollover from TSP

I’ve been with Vanguard forever. I recently suggested to my spouse that she roll over 10% of her Schwab IRA (there because while she worked it had been a Schwab 401(k)), to give Vanguard a try, due to certain sub-optimal aspects of the Schwab relationship that aren’t relevant here. Spouse agreed. Bu...
by smectym
Tue Oct 16, 2018 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: What do you consider 'enough'?
Replies: 96
Views: 11372

Re: What do you consider 'enough'?

Perhaps posts responding to the query, “What do you consider ‘enough’?” that fail to state the number the poster would consider “enough,” should be screened out by the moderator. That would prune the dozens of posts above to what: zero? As to Bogle’s book: the title says it all. Maybe add an exclama...
by smectym
Tue Oct 16, 2018 1:36 am
Forum: Investing - Help with Personal Investments
Topic: Have you annuitized some of your money?
Replies: 67
Views: 5887

Re: Have you annuitized some of your money?

I have been playing around with the idea of a 15 year annuity to bridge the gap between 52 to 67 as part of a FIRE plan. The annuity would run out and SS would start up to take the place of the monthly annuity income at age 67. Anyone consider this and have thoughts? Also, in comparing annuities, w...
by smectym
Mon Oct 15, 2018 12:11 am
Forum: Investing - Theory, News & General
Topic: Treasuries in higher tax state
Replies: 12
Views: 1217

Re: Treasuries in higher tax state

If you buy Treasury bonds in a brokerage account, you will pay spreads, just as on any other trade in a brokerage account. However, spreads on Treasuries are very low. Alternatively, you can buy new-issue Treasury bonds from Treasury Direct. Another way to invest in Treasury bonds is through a Trea...
by smectym
Sun Oct 14, 2018 11:57 pm
Forum: Investing - Theory, News & General
Topic: Treasuries in higher tax state
Replies: 12
Views: 1217

Re: Treasuries in higher tax state

OP, you’re definitely on to something. Yes, if a saver in a high-tax state (like mine) opts for a bank CD “because its insured by the FDIC,” and ignores the option of direct, commission- and fee-free investing in Treasury securities through Treasury Direct, that saver is probably getting the short e...
by smectym
Fri Oct 12, 2018 10:29 am
Forum: Investing - Theory, News & General
Topic: A Roadmap For The Upcoming US Treasury Bull Market
Replies: 40
Views: 3888

Re: A Roadmap For The Upcoming US Treasury Bull Market

https://www.advisorperspectives.com/articles/2018/10/08/a-roadmap-for-the-upcoming-u-s-treasury-bull-market-1 Article on where we currently stand in regards to the Fed funds rate, 2 year and 30 yr treasury rates. Should not matter to the die hard buy and holders, but for any of us who use tactical/...
by smectym
Fri Oct 12, 2018 12:04 am
Forum: Investing - Help with Personal Investments
Topic: 6 month Treasury Note: "Bond" or "Cash"?
Replies: 47
Views: 3750

Re: 6 month Treasury Note: "Bond" or "Cash"?

Just curious how you would classify this investment? No matter what you would classify this as, I would be interested in the "cross over" point, what is the threshold for an investment to be a bond? Is is based on duration, liquidity, what? Does cash imply it is immediately available? I have put ab...
by smectym
Thu Oct 11, 2018 2:35 am
Forum: Investing - Theory, News & General
Topic: “It’s probably wise to sell to the sleeping point.” - Jack Bogle
Replies: 83
Views: 11827

Re: “It’s probably wise to sell to the sleeping point.” - Jack Bogle

I have money that I cannot afford to lose. Should I put that money in Vanguard Total Bond Market, or should I put it in Vanguard Treasury Money Market, or maybe I-bonds or bank CD's? Thanks, Smectym If you truly can't afford any loss of principal for any period, you need instruments with essentiall...
by smectym
Thu Oct 11, 2018 2:09 am
Forum: Investing - Theory, News & General
Topic: Is it smart to hold more cash right now?
Replies: 16
Views: 1775

Re: Is it smart to hold more cash right now?

No problem with the buy the dip strategy...once it’s clear the selling is exhausted. Of course if the selling isn’t exhausted, buying the dip is, um, what? Premature. I agree with that, the way I deal with this is by thinking that I am still better off than if I had bought last week. In fact I boug...
by smectym
Thu Oct 11, 2018 1:53 am
Forum: Investing - Theory, News & General
Topic: Is it smart to hold more cash right now?
Replies: 16
Views: 1775

Re: Is it smart to hold more cash right now?

No problem with the buy the dip strategy...once it’s clear the selling is exhausted. Of course if the selling isn’t exhausted, buying the dip is, um, what? Premature. I agree with that, the way I deal with this is by thinking that I am still better off than if I had bought last week. In fact I boug...
by smectym
Thu Oct 11, 2018 1:45 am
Forum: Investing - Theory, News & General
Topic: "Do not invest with Vanguard if you are a market-timer." - Vanguard
Replies: 12
Views: 2664

Re: "Do not invest with Vanguard if you are a market-timer." - Vanguard

I’d say Vanguard does, in fact, have a high tolerance for market timing.... Vanguard Group begins an investing experiment that pushes free ETF trading to its limit https://www.google.com/amp/s/www.cnbc.com/amp/2018/08/01/vanguard-group-begins-key-experiment-in-the-new-era-of-free-investing.html Agr...
by smectym
Thu Oct 11, 2018 1:28 am
Forum: Investing - Theory, News & General
Topic: "Do not invest with Vanguard if you are a market-timer." - Vanguard
Replies: 12
Views: 2664

Re: "Do not invest with Vanguard if you are a market-timer." - Vanguard

I’d say Vanguard does, in fact, have a high tolerance for market timing.... Vanguard Group begins an investing experiment that pushes free ETF trading to its limit https://www.google.com/amp/s/www.cnbc.com/amp/2018/08/01/vanguard-group-begins-key-experiment-in-the-new-era-of-free-investing.html Agr...
by smectym
Thu Oct 11, 2018 1:22 am
Forum: Investing - Help with Personal Investments
Topic: anybody sell I Bonds to buy something else?
Replies: 38
Views: 3654

Re: anybody sell I Bonds to buy something else?

Back in the olden days, when one could buy $30k per person per year online with a credit card for no fee and they could be redeemed in 6 months, I'd regularly sell them to pay for the new ones I bought to get airline miles to upgrade the entire family to first class going to Aruba. I've also sold t...
by smectym
Thu Oct 11, 2018 1:05 am
Forum: Investing - Theory, News & General
Topic: Is it smart to hold more cash right now?
Replies: 16
Views: 1775

Re: Is it smart to hold more cash right now?

I'm not entirely sure if this falls under the "market timing" umbrella, however a lot of posters here (even those who stay the course) agree that valuations are high. I'm very heavy in stocks and US stocks and they're so high right now, I'm wondering if it would be smart to increase my "emergency f...
by smectym
Wed Oct 10, 2018 1:03 am
Forum: Personal Finance (Not Investing)
Topic: You're in the Top 1% if you have $2.5 million
Replies: 21
Views: 3505

Re: You're in the Top 1% if you have $2.5 million

willthrill81 wrote:
Wed Oct 10, 2018 12:21 am
Begin the countdown to thread lockdown due to not being personal or actionable....3....2....1.....
Do it. Shut her down. The d#*n thread isn't personal. And plus: its not ACTIONABLE. So I vote with willthrill, and besides I'm a Giants fan, so..hell yes

Smectym