Vinny, cmon man, when the vaccines were first introduced there was a huge push to get people vaccinated and a lot of businesses and agencies basically mandated it or at least highly encouraged it. So a bunch of people got vaccinated near the beginning. Then, as time went along, the compulsion decre...

I had a negative experience with AJPM about 10 years ago. Nothing major, but my delivery took almost 2 months to get to me and they were unable to provide any updates. In fairness to them, the gold was shipped registered from a depository directly to me, so they didn't have much visibility themselv...

That may be true (depending on the variables), and Kitces is undoubtedly smarter than I am. But there's a lot more risk involved. A person that wants to ensure that their younger spouse is left with a consistent, reliable income might choose a different path. I'll be working the numbers and conside...

So I retired at 61 but filed for ss at 65 ….my fra was 66 My opinion is When one delays ss they shouldn’t wait until they file for ss to first spend more . Rather the budget should stay the same from day one and all that changes is the ratio of your money vs ss money .. So in the beginning we were ...

It can be daunting trying to come up with a safe system of raises besides inflation adjusting . So we use bob clyatts 95/5 which is dynamic . Each year we get 4% of the balance ... That’s it, and done ..no other adjustments needed. In a down year you get the higher of 4% of the balance or 5% less t...

I'm curious welderwannabe if you are retired and withdrawing from your portfolio as mathjak is. If you are still working and saving a bunch of "cash" each year, it might explain, at least in part, why you have a different view of how the cash quadrant should be used.

Interesting there are no Chinese names on the list...a good way to be a target of Xi and the CCP? I have a hard time believing there isn't at least 1 or 2 up there. Xi is almost definitely targeting these individuals. Ray Dalio, who was quite cozy with the old CCP guard, wrote a recent piece talkin...

This has nothing to do with auction vs. secondary market but I had an "interesting" development today. Had T-Bills maturing today at both Fidelity & Etrade. At Fido the funds were available first thing in the morning and are already reinvested. The Etrade Bills have not yet been kicked...

Meaning that in many states with loose regulations or lax enforcement regarding mail-in ballots, there’s no longer a need to appeal to voters. Hide in the basement, refuse to debate, generate zero energy, commit a gaffe a day… no worries, none of it matters. You just have to collect ballots to win....

From what I've read, there is no real difference between buying US Treasury Notes (2 and 3 year durations) on the secondary market versus in auction. With auctions you avoid bid/ask spreads and get the best price everyone is paying...but you lose a few weeks of interest while waiting for the auctio...

dualstow wrote: ↑Sat Nov 12, 2022 7:17 am Ah yes, maybe it was just the nipples that incurred damage.

And we wonder why we can't lure more Bogleheads to this forum!

I like divided government. Reigns in the crazies on both sides. Effectively adding more reams of paper to existing state and federal code and regulations isn't necessarily a good thing. I used to believe that way until Executive Orders started becoming so commonplace. I also don't like executive or...

I have seen other explanations thrown out. Maybe the predictions of a Red Wave made Rs lazy and not motivated to show up. Or maybe that got Ds out to vote. And some pollsters claim the polls never predicted a Red Wave and that was a narrative created out of nowhere. The interesting thing is that ev...

Not a great night for the R party. Thoughts on my thoughts? - If you want to win a competitive Republican primary in a deep red state, go for the Trump endorsement - If you want to win a competitive general election, having his endorsement is close to political suicide Interesting take. As fanatica...

Election denial? https://www.youtube.com/watch?v=XX2Ejqjz6TA Speaking of hypocrisy, I voted all smaller-gov and conservative. Except for a new tax on millionaires, because I want an EV grant (CA). There's a page of "Should judge X be approved" which is useless because they dont tell you t...

Because these higher yielding corporate bonds tend to default more frequently, isn't it better (or at least less nerve wracking) to just stick with investments backed by the people with the printing press? I mean, those higher yields are there for a reason, right? If a bond portfolio of near junk co...

Just gifted but stuck to a 10k per person. I may just turn around and convert the gift in January. That's the way I am leaning as well. It's been great to get some more 9.62% I-Bonds but I don't like that it adds a level of complexity that my wife is likely to struggle with if I pass. Trying to kee...

Only watched the beginning of the Mosler video doodle posted so can't comment on most of it. Anyway, Mosler seems to start off every piece he does with a premise that, at least for me, just doesn't jive with reality. Specifically he has this idea that the government more or less arbitrarily imposes ...

My wife and I just gifted ourselves 20k each. No brainer, since the money will at least make 9.62 for the next few months! Technically that $40,000 doesn't make anything over the next few months because of the way the three-month "redeemed before five years" penalty comes off the beginnin...

Personally I am laddering treasuries at 3, 6, 9 & 12 months. That has worked well, I guess, though I am (obviously) always behind the curve. Will wait a bit longer before extending those maturities. I think going anywhere out to where the yield curve begins to dip the wrong way (IIRC around the...

This is why you should always know your expiration date.. At first glance I thought you were referring to my date of death! O0 Thanks for the detailed response and the excellent links. How much did you say your newsletter costs again? Seriously, your contributions here are super valuable and much a...

Good article confirming Tyler’s view that cash is greatly under appreciated as an inflation hedge. : https://www.morningstar.com/articles/1099412/cash-as-an-inflation-hedge-revisited?utm_medium=referral&utm_campaign=linkshare&utm_source=link So long as it is understood this is relative. I a...

> holding bonds that have a positive rate of interest above inflation (but before taxes) is probably the better deal in the long run http://tipswatch.com/2022/10/14/ignore-the-fixed-rate-drama-buy-i-bonds-in-october/ But I might prefer to gamble on a higher fixed rate, despite the odds... Thanks fo...

Could I trouble you guys for some help? I just opened a Treasury Direct account. After receiving an account number, I went to the "Log In" page. However, there is no place on the "Log In" page to insert your account number or password. Instead, the page asks you to choose betwee...

Forgot to mention that the SS COLA is up 8.7% according to the same TipsWatch link.