Search found 1100 matches

by pascalwager
Mon Jun 18, 2018 7:29 pm
Forum: Investing - Theory, News & General
Topic: What companies followed Vanguard to no-load???
Replies: 13
Views: 941

Re: What companies followed Vanguard to no-load???

Reading the books about Jack and the making of Vanguard, Vanguard started selling no-load funds back in 1970s when you needed to pay 8.5% to a stock broker to buy a fund. When I started investing in 1985, American Century and T Rowe Price were popular fund companies. Those were no-load and just nee...
by pascalwager
Sun Jun 17, 2018 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: move out of bonds into money market and online savings
Replies: 19
Views: 2719

Re: move out of bonds into money market and online savings

I like about 2.5 years duration and I've been there for a long time: ST bond funds, HY Savings*, I-bonds*, CDs* and Treasury MM (no state taxes).

*Not presently
by pascalwager
Sun Jun 17, 2018 9:15 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new Toyota.[my fault comparing apples and oranges]
Replies: 36
Views: 3692

Re: Negotiating for a new Toyota.[my fault comparing apples and oranges]

My dealer (not Toyota) didn't allow negotiating (permanent dealer policy), but gave me a $500 discount for going with a color that the manager wanted to move. Then why is he/she your dealer? Are you THAT loyal to spend maybe thousands more because a dealer told you they don’t negotiate? This makes ...
by pascalwager
Sun Jun 17, 2018 8:47 pm
Forum: Investing - Theory, News & General
Topic: How many of you have some developed international and EM indexed bond funds in your portfolio?
Replies: 25
Views: 1927

Re: How many of you have some developed international and EM indexed bond funds in your portfolio?

I want to take risks in stocks, not bonds, I'm guessing you're defining "risk" as volatility? I use BNDX (International Bonds -- USD Hedged) to protect against -- and hopefully profit from -- different risks. In a global market that has some very large players, monies will flow between fixed income...
by pascalwager
Sun Jun 17, 2018 1:12 am
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 213
Views: 37896

Re: What's your U.S. : International ratio?

50:50 (for simplicity, trying to closely approximate world cap weighting with an easy-to-remember ratio, even though the true weight should really be 52:48 ). I hold the world market AA. It changes daily, of course. Today: US 52.4% , non-US 47.6% Which fund are you tracking to get the current weigh...
by pascalwager
Sat Jun 16, 2018 3:50 pm
Forum: Investing - Theory, News & General
Topic: Cash question
Replies: 14
Views: 1249

Re: Cash question

I'm retired and 12% cash–-mostly VG Treasury MM Fund. It's state tax-free with newly competitive interest rates compared to online banks.
by pascalwager
Thu Jun 14, 2018 1:43 am
Forum: Investing - Theory, News & General
Topic: VMMXX (Vanguard Prime MM) risks
Replies: 71
Views: 7357

Re: VMMXX (Vanguard Prime MM) risks

The VG Treasury MM fund seems to have only one share class, but it's not called "Investor" or "Admiral". And, as a test, if you do a search of the complete VG mutual funds list, adjust the filter to enable Admiral and don't enable $50k minimum, then the Treasury MM fund isn't included in the partial...
by pascalwager
Wed Jun 13, 2018 4:10 pm
Forum: Investing - Theory, News & General
Topic: VMMXX (Vanguard Prime MM) risks
Replies: 71
Views: 7357

Re: VMMXX (Vanguard Prime MM) risks

According to Vanguard, this is the main Prime MM risk that Treasury MM avoids: "Industry concentration risk: The chance that there will be overall problems affecting a particular industry. Because the fund will invest more than 25% of its assets in securities of companies in the financial services i...
by pascalwager
Wed Jun 13, 2018 3:35 pm
Forum: Investing - Theory, News & General
Topic: VMMXX (Vanguard Prime MM) risks
Replies: 71
Views: 7357

Re: VMMXX (Vanguard Prime MM) risks

I like reading about the fear of something like VMMXX in a pretty financially savvy place like Bogleheadlandia. In real life most people I know have their long-term cash holdings at the local work-affiliated credit union for maybe 0.50% at best. They would not only be afraid of VMMXX but they would...
by pascalwager
Wed Jun 13, 2018 11:53 am
Forum: Investing - Theory, News & General
Topic: VMMXX (Vanguard Prime MM) risks
Replies: 71
Views: 7357

Re: VMMXX (Vanguard Prime MM) risks

I like reading about the fear of something like VMMXX in a pretty financially savvy place like Bogleheadlandia. In real life most people I know have their long-term cash holdings at the local work-affiliated credit union for maybe 0.50% at best. They would not only be afraid of VMMXX but they would...
by pascalwager
Wed Jun 13, 2018 11:46 am
Forum: Investing - Theory, News & General
Topic: VMMXX (Vanguard Prime MM) risks
Replies: 71
Views: 7357

Re: VMMXX (Vanguard Prime MM) risks

I like reading about the fear of something like VMMXX in a pretty financially savvy place like Bogleheadlandia. In real life most people I know have their long-term cash holdings at the local work-affiliated credit union for maybe 0.50% at best. They would not only be afraid of VMMXX but they would...
by pascalwager
Wed Jun 13, 2018 11:28 am
Forum: Investing - Theory, News & General
Topic: VMMXX (Vanguard Prime MM) risks
Replies: 71
Views: 7357

Re: VMMXX (Vanguard Prime MM) risks

(The Treasury MM fund $50k isn't only an initial minimum, but a continuous minimum.) I just talked with a Vanguard Rep. He says as long as I keep it above $1,000 I'm okay. Below that and it is subject to liquidation. Thanks for the info. vs. Prime. The Treasury MM, VUSXX, appears to be a good fund ...
by pascalwager
Wed Jun 13, 2018 1:11 am
Forum: Investing - Theory, News & General
Topic: VMMXX (Vanguard Prime MM) risks
Replies: 71
Views: 7357

Re: VMMXX (Vanguard Prime MM) risks

Right now, after factoring in my own particular state taxes, VG Prime MM still has about five basis points advantage over Treasury MM, but I like the lower risk for the latter fund. Now I have Prime, but I live in a high tax state. In a comparison chart they (Prime and Treasury) look to track close...
by pascalwager
Tue Jun 12, 2018 7:49 pm
Forum: Investing - Theory, News & General
Topic: VMMXX (Vanguard Prime MM) risks
Replies: 71
Views: 7357

Re: VMMXX (Vanguard Prime MM) risks

Remarkable to me that folks worry about such things with a Vanguard MMF! One reason is that a riskless option for cash does exist: bank HY savings accounts with FDIC protection. Also, in my case a lot of money is involved. For me, as a retiree, cash is part of my investment portfolio. I'm presently...
by pascalwager
Sat Jun 09, 2018 7:11 pm
Forum: Investing - Theory, News & General
Topic: VMMXX (Vanguard Prime MM) risks
Replies: 71
Views: 7357

Re: VMMXX (Vanguard Prime MM) risks

pascalwager wrote: I don't understand why Vanguard would produce money market funds meant to hold cash that are not riskless and don't understand why anyone would want to place their cash in such funds. I guess Vanguard is simply competing with the banks and Treasury Direct for it's share of our ca...
by pascalwager
Sat Jun 09, 2018 12:55 pm
Forum: Investing - Theory, News & General
Topic: VMMXX (Vanguard Prime MM) risks
Replies: 71
Views: 7357

Re: VMMXX (Vanguard Prime MM) risks

1- I think it is pretty safe, the only risk I learned that it could have somekind of freeze in a really bad crash. Never happened before to this fund though. 2- You pay taxes annually on the returns (dividends) the fund distributing 3- Yes, CIT FDIC MM account (it is not a MM fund) is risk free. ht...
by pascalwager
Sat Jun 09, 2018 1:36 am
Forum: Investing - Theory, News & General
Topic: Bank Interest Rates — when will they go up?
Replies: 27
Views: 3374

Re: Bank Interest Rates — when will they go up?

I like my Synchrony Bank HY Savings account. The interest rate has been rising twice a month now: 1.75% APY and FDIC protection. I'm not even tempted by the Vanguard MM Funds with their greater risks. My savings account begins to spill over* next week and I think I'll start moving the spillover into...
by pascalwager
Sat Jun 09, 2018 12:48 am
Forum: Investing - Theory, News & General
Topic: VMMXX (Vanguard Prime MM) risks
Replies: 71
Views: 7357

Re: VMMXX (Vanguard Prime MM) risks

I don't understand why Vanguard would produce money market funds meant to hold cash that are not riskless and don't understand why anyone would want to place their cash in such funds. I guess Vanguard is simply competing with the banks and Treasury Direct for it's share of our cash investments.
by pascalwager
Fri Jun 08, 2018 2:39 am
Forum: Investing - Theory, News & General
Topic: The Global Market Portfolio, 1959-2015
Replies: 18
Views: 1564

Re: The Global Market Portfolio, 1959-2015

In a parallel Forum thread , there's an interesting discussion about diversifying the "market portfolio." But what exactly is the market portfolio, particularly when one considers the entire global universe of investable assets? Fortunately, a recent paper has been published reporting some impressi...
by pascalwager
Tue May 29, 2018 11:01 pm
Forum: Investing - Theory, News & General
Topic: Theory: Total World Index a Sure Fire Win [VT/VTWSX]
Replies: 155
Views: 12772

Re: Theory: Total World Index a Sure Fire Win [VT/VTWSX]

I notice that TWS includes 252 companies more than it's index. Maybe they're adding small companies to improve the fund in lieu of a broader index. Just a guess.
by pascalwager
Tue May 29, 2018 2:52 am
Forum: Investing - Theory, News & General
Topic: Theory: Total World Index a Sure Fire Win [VT/VTWSX]
Replies: 155
Views: 12772

Re: Theory: Total World Index a Sure Fire Win [VT/VTWSX]

Sector Weightings of VTSAX and VTWSX: VTSAX VTWSX Basic Materials 3.19 5.88 Consumer Cyclical 12.35 12.27 Financial Services 16.72 18.42 Real Estate 3.56 3.73 Communication 2.81 3.39 Energy 5.96 6.36 Industrials 11.10 11.35 Technology 21.07 16.91 Consumer Defensive 6.77 8.02 Healthcare 13.55 10.66 ...
by pascalwager
Tue May 29, 2018 2:09 am
Forum: Investing - Theory, News & General
Topic: Theory: Total World Index a Sure Fire Win [VT/VTWSX]
Replies: 155
Views: 12772

Re: Theory: Total World Index a Sure Fire Win [VT/VTWSX]

I wish VT (8099 holdings) was as diversified as VTI + VXUS (9956 holdings). The way I understand it, the purpose of diversification is to reduce volatility, that is the Markovitz (MPT) "free lunch" The question is how many stocks do you need to capture the totality of the "free lunch"? Now, do you ...
by pascalwager
Tue May 29, 2018 1:37 am
Forum: Investing - Theory, News & General
Topic: Theory: Total World Index a Sure Fire Win [VT/VTWSX]
Replies: 155
Views: 12772

Re: Theory: Total World Index a Sure Fire Win [VT/VTWSX]

VTWSX (Total World Stock): 8099 stocks VTSAX (Total Stock Market): 3629 stocks VTIAX (Total Int'l Stock): 6327 stocks Why doesn't the top one total the number of holdings of the other two? I personally only get into investing beyond a little bit in my 401k in the last year. I do a split of 75% VTSA...
by pascalwager
Tue May 29, 2018 1:29 am
Forum: Investing - Theory, News & General
Topic: Theory: Total World Index a Sure Fire Win [VT/VTWSX]
Replies: 155
Views: 12772

Re: Theory: Total World Index a Sure Fire Win [VT/VTWSX]

People come up with such weird hypotheticals when discussing the ex-US investing landscape. It's not a mystery what would happen to Vanguard Total World if Venezuela or Cuba decided "to IPO a bunch of State-Owned Enterprises." The answer is nothing. We know this because FTSE publishes their rules f...
by pascalwager
Tue May 29, 2018 1:21 am
Forum: Investing - Theory, News & General
Topic: Theory: Total World Index a Sure Fire Win [VT/VTWSX]
Replies: 155
Views: 12772

Re: Theory: Total World Index a Sure Fire Win [VT/VTWSX]

I wish VT (8099 holdings) was as diversified as VTI + VXUS (9956 holdings). If you read the VT prospectus, there's some hope for a broader index in the future with more companies. But this is one reason why I own the two separate US and non-US funds. The other reason is lower cost (I own the mutual...
by pascalwager
Sun May 27, 2018 11:00 pm
Forum: Investing - Theory, News & General
Topic: Theory: Total World Index a Sure Fire Win [VT/VTWSX]
Replies: 155
Views: 12772

Re: Theory: Total World Index a Sure Fire Win [VT/VTWSX]

What is amazingly eye-opening to me about this is how incredibly diverse the US economy is. To be all-US would give you essentially the same sector weightings as a global market cap weight investment. Yes, this is why US investors do not need to take the currency risk of being at global market cap....
by pascalwager
Sun May 27, 2018 10:54 pm
Forum: Investing - Theory, News & General
Topic: Theory: Total World Index a Sure Fire Win [VT/VTWSX]
Replies: 155
Views: 12772

Re: Theory: Total World Index a Sure Fire Win [VT/VTWSX]

Sector Weightings of VTSAX and VTWSX: VTSAX VTWSX Basic Materials 3.19 5.88 Consumer Cyclical 12.35 12.27 Financial Services 16.72 18.42 Real Estate 3.56 3.73 Communication 2.81 3.39 Energy 5.96 6.36 Industrials 11.10 11.35 Technology 21.07 16.91 Consumer Defensive 6.77 8.02 Healthcare 13.55 10.66 ...
by pascalwager
Sun May 27, 2018 3:12 pm
Forum: Investing - Theory, News & General
Topic: Theory: Total World Index a Sure Fire Win [VT/VTWSX]
Replies: 155
Views: 12772

Re: Theory: Total World Index a Sure Fire Win [VT/VTWSX]

Simplicity is a beautiful thing, but there comes a point where you deconstruct something down to such a simplistic level that you destroy what made is so special.There seems to be some kind of contest among modern investors to see who can do the absolute least amount of work with their investments....
by pascalwager
Sun May 27, 2018 12:01 pm
Forum: Investing - Theory, News & General
Topic: Three fund portfolio - Which bond fund?
Replies: 20
Views: 2739

Re: Three fund portfolio - Which bond fund?

As a retiree using VG, I prefer the short-term bond or short-term treasury index funds (and a big slug of cash*). I don't like the makeup of the VG int'l bond index fund, including the 7.9 years duration. I'm not opposed to using an int'l bond fund. My DFA portfolio includes a five-year global bond ...
by pascalwager
Sun May 27, 2018 11:28 am
Forum: Investing - Theory, News & General
Topic: Theory: Total World Index a Sure Fire Win [VT/VTWSX]
Replies: 155
Views: 12772

Re: Theory: Total World Index a Sure Fire Win [VT/VTWSX]

Sector Weightings of VTSAX and VTWSX: VTSAX VTWSX Basic Materials 3.19 5.88 Consumer Cyclical 12.35 12.27 Financial Services 16.72 18.42 Real Estate 3.56 3.73 Communication 2.81 3.39 Energy 5.96 6.36 Industrials 11.10 11.35 Technology 21.07 16.91 Consumer Defensive 6.77 8.02 Healthcare 13.55 10.66 ...
by pascalwager
Sat May 26, 2018 1:09 am
Forum: Investing - Theory, News & General
Topic: Theory: Total World Index a Sure Fire Win [VT/VTWSX]
Replies: 155
Views: 12772

Re: Theory: Total World Index a Sure Fire Win [VT/VTWSX]

Sector Weightings of VTSAX and VTWSX: VTSAX VTWSX Basic Materials 3.19 5.88 Consumer Cyclical 12.35 12.27 Financial Services 16.72 18.42 Real Estate 3.56 3.73 Communication 2.81 3.39 Energy 5.96 6.36 Industrials 11.10 11.35 Technology 21.07 16.91 Consumer Defensive 6.77 8.02 Healthcare 13.55 10.66 ...
by pascalwager
Fri May 25, 2018 11:24 pm
Forum: Investing - Theory, News & General
Topic: Theory: Total World Index a Sure Fire Win [VT/VTWSX]
Replies: 155
Views: 12772

Re: Theory: Total World Index a Sure Fire Win [VT/VTWSX]

I was just taking a look at Vanguard's active alternative to VT, the Global Equity Fund, and it is just outright trouncing VT, or any two index fund mix (if you wanted to go back further than VT) over very long periods despite the extra 30bp or so cost. It's occasions like that that also cause me t...
by pascalwager
Fri May 25, 2018 6:07 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 103
Views: 7692

Re: US T bills - first time user

Thanks Livesoft. Why did they return 8% back in the day that Your Money or Your Life was written? What happened to them? The rate of inflation was crushed since then. In her updated version of Your Life or Your Money, Robin recommends Index funds instead of t-bills. Will index funds go the way of t...
by pascalwager
Wed May 23, 2018 2:19 pm
Forum: Investing - Theory, News & General
Topic: Edelman & Financial Engines merging
Replies: 36
Views: 3983

Re: Edelman & Financial Engines merging

I hope Financial Engines was telling the truth, when they said they would delete all my data when I closed the free account I had with them. Some may recall that they were originally a completely free-as-in-beer website, and I opened an account with them in the year 2000 and gave them all my financ...
by pascalwager
Fri May 11, 2018 8:41 pm
Forum: Investing - Theory, News & General
Topic: Muni bondholders vs. pensions
Replies: 50
Views: 3161

Re: Muni bondholders vs. pensions

I recall Larry advising using the Baird muni fund instead of Vanguard. Higher quality bonds.
by pascalwager
Thu May 10, 2018 8:17 pm
Forum: Investing - Theory, News & General
Topic: Bond Fund Point of Indifference vs. Principle Recovery
Replies: 57
Views: 4939

Re: Bond Fund Point of Indifference vs. Principle Recovery

Seems to me that a retiree should not own bond funds--at least in a rising market. He/she may "need" to take redemptions prior to the point of indifference and thereby realize losses. But, if he/she only holds individual bonds he/she has a clear choice to delay redemptions until maturity and avoid l...
by pascalwager
Wed May 09, 2018 12:57 am
Forum: Investing - Theory, News & General
Topic: Vanguard - Newsletters
Replies: 8
Views: 1612

Re: Vanguard - Newsletters

My question is how many folks read these newsletters? If you read them, do you save them or ever refer to them again? I am subscribed to In the Vanguard and receive it every two weeks via email. I read the articles but don't save them. Thank you for that update. I was not aware that one could subsc...
by pascalwager
Tue May 08, 2018 4:23 pm
Forum: Investing - Theory, News & General
Topic: Concerned about Total Bond Mkt duration increase?
Replies: 23
Views: 2483

Re: Concerned about Total Bond Mkt duration increase?

I know from painful experience that I don't handle duration risk well, so I keep my bonds duration between 2 and 3 years. For me, the basic Vanguard bond fund investment is the Short-Term Bond Index Fund (2.7 years). In my DFA accounts, I combine a 3.8 year duration fund with 0.9 year duration fund ...
by pascalwager
Mon May 07, 2018 12:27 am
Forum: Investing - Theory, News & General
Topic: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?
Replies: 114
Views: 6691

Re: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?

A risk-free (riskless) asset is a security that offers a perfectly predictable rate of return over the investment horizon. If the investment horizon is 6 months, a 6 month T-bill does that. If the investment horizon is twenty years, a zero coupon 20 year Treasury does that. There is no investing ho...
by pascalwager
Mon May 07, 2018 12:17 am
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 168
Views: 17386

Re: What Percentage CASH are you?

I'm retired, 52/37/11. The cash is bank HY savings (1.65% APY), but thinking about branching out into some higher duration cash.

Maybe end up with:

1/2 HY savings
1/2 Ultra Short-Term Bond
by pascalwager
Sun May 06, 2018 2:31 am
Forum: Investing - Theory, News & General
Topic: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?
Replies: 114
Views: 6691

Re: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?

I'm trying to understand relationships between variables, and I'm using figurative language. I am saying "if you imagine a set of different assets that are relatively less and less risky... Stocks-plus-Total Bond to Stocks-plus-Short-Term Bond Index to Stocks-plus three-month Treasury bills to stoc...
by pascalwager
Fri May 04, 2018 2:37 am
Forum: Investing - Theory, News & General
Topic: Vanguard - Newsletters
Replies: 8
Views: 1612

Re: Vanguard - Newsletters

You seem to be receiving an e-version of the newsletter, but my paper copy comes in the mail. Maybe that's what I selected. I only read it in bed and with great anticipation, hoping to find something of interest. Some issues do disappoint, but the paper stock is too heavy for "alternate use". Becaus...
by pascalwager
Thu May 03, 2018 3:23 pm
Forum: Investing - Theory, News & General
Topic: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?
Replies: 114
Views: 6691

Re: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?

The market portfolio should be on the efficient frontier curve , but Markowitz proved that it's really not unless leveraging is employed. Help my small brain reconcile the above statement with this: " The market portfolio is always efficient . For most people, the market portfolio is the most sensi...
by pascalwager
Thu May 03, 2018 3:02 pm
Forum: Investing - Theory, News & General
Topic: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?
Replies: 114
Views: 6691

Re: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?

The market portfolio should be on the efficient frontier curve , but Markowitz proved that it's really not unless leveraging is employed. [/color] Help my small brain reconcile the above statement with this: " The market portfolio is always efficient . For most people, the market portfolio is the m...
by pascalwager
Thu May 03, 2018 1:53 pm
Forum: Investing - Theory, News & General
Topic: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?
Replies: 114
Views: 6691

Re: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?

The market portfolio should be on the efficient frontier curve , but Markowitz proved that it's really not unless leveraging is employed. Help my small brain reconcile the above statement with this: " The market portfolio is always efficient . For most people, the market portfolio is the most sensi...
by pascalwager
Thu May 03, 2018 11:05 am
Forum: Investing - Theory, News & General
Topic: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?
Replies: 114
Views: 6691

Re: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?

Holding Sharpe's practical version of the (risky) market portfolio* isn't difficult at all. For the equity part, just use the VG Total World Stock Fund; or for lower fees, use the two VG Total U.S. and int'l stock funds, (currently) set them at 52/48, and readjust next year. Sharpe describes the ent...
by pascalwager
Wed May 02, 2018 11:20 pm
Forum: Investing - Theory, News & General
Topic: Investing in the World - Part 2 and 3 [Financial Page blog article]
Replies: 27
Views: 3376

Re: Investing in the World - Part 2 and 3 [Financial Page blog article]

Yes, thanks for posting the study, siamond.

For the time being, I plan to remain at 100% global (currently 52% U.S.) with no domestic tilt. But if U.S. went below 50%, then I might rebalance to 50/50. With current high valuations, I especially don't want to tilt to U.S. right now.
by pascalwager
Wed May 02, 2018 11:04 pm
Forum: Investing - Theory, News & General
Topic: International Stock and Currency Issues
Replies: 40
Views: 2537

Re: International Stock and Currency Issues

I personally think a lot of international advocates don't "get" it that uncompensated extra risk is bad even if it is bidirectional . My understanding is that currency risk applies in the short-term, but not the long-term. In the long-term, currency fluctuations balance out to nothing, so risk comp...
by pascalwager
Wed May 02, 2018 5:45 pm
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.60%
Replies: 180
Views: 29252

Re: Ally online savings now at 1.50%

Synchrony Bank is now at 1.65%. Slightly ahead of VG Treasury MM Fund (1.62%, $50k min.), but the Treasury fund has the state tax exemption. I consider VG Prime MM unsuitable for large sums due to lack of FDIC or implied Federal protection. Synchrony takes three days to move money, but that doesn't ...
by pascalwager
Mon Apr 30, 2018 12:34 am
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 9479

Re: How did you tell the boss you're leaving/retiring?

I once received a letter from a doctor (specialist) I had visited about twice a year for a few years. He explained that his organization was forcing him to retire and he was requesting supportive letters from patients be sent to his management. I assume it was because of age, but he seemed quite com...