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Re: Another reason NOT to use (free) Wifi

I'm always surprised that people still expect privacy when dealing with their cell phones. And yet for decades, people used landlines with reasonable degrees of privacy. The cell phone situation/lack of privacy is yet another evidence of the decline and fall of civilization. Seriously? For years, p...
by tibbitts
Mon Apr 27, 2015 7:28 am
 
Forum: Personal Consumer Issues
Topic: Another reason NOT to use (free) Wifi
Replies: 39
Views: 3884

Re: Setting up a corporation for self-employment / tax reduc

Paying yourself as an employee involves additional paperwork, and may involve obtaining unemployment and/or workers comp insurance, depending on state/local regulations. You'll get opinions ranging from that being anywhere from trivial to onerous. Basically if there was some magic self-employment ta...
by tibbitts
Sat Apr 25, 2015 3:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Setting up a corporation for self-employment / tax reduction
Replies: 1
Views: 175

Re: Who follows Age in Bonds

Given access to, for example, freshly-minted 3.6% ibonds, I think the responses would be a lot different. So really this is showing some recency bias - people looking at negative or break-even real yields on bonds, and coming off a couple of recent severe equity downturns that turned out to be very,...
by tibbitts
Fri Apr 24, 2015 7:58 am
 
Forum: Investing - Theory, News & General
Topic: Who follows Age in Bonds
Replies: 62
Views: 4337

Re: Broken Oxygen Sensor on Car

We have to be careful about telling people that replacing a particular O2 sensor is "easy." It can be easy or it can extremely difficult, partly depending on luck (even on identical model cars), and partly depending on mechanical skill, tools available, etc. It can require special tools to...
by tibbitts
Thu Apr 23, 2015 7:59 am
 
Forum: Personal Consumer Issues
Topic: Broken Oxygen Sensor on Car
Replies: 43
Views: 2656

Re: Vanguard Certified Financial Planner

I went through a financial plan with a vanguard CFP. I filled out a long form about assets. I then received a document and set up a web-based discussion with an advisor. It was ok, actually very sound advice that articulates the basic tenets discussed here. It reinforced a number of decisions I had...
by tibbitts
Mon Apr 20, 2015 7:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Certified Financial Planner
Replies: 10
Views: 1769

Re: Roof shingle selection

You're having a section of your roof replaced, so don't you simply want to match the existing shingles as closely as possible? If you want to replace the entire roof, then you have choices. Largely for many people the insurance company involved will narrow down the choice by their list of shingles t...
by tibbitts
Mon Apr 20, 2015 7:37 am
 
Forum: Personal Consumer Issues
Topic: Roof shingle selection
Replies: 16
Views: 1363

Re: My job says I can't work for anyone else...

I think (again) that many/most responses are wandering far off the course of the original post. That post (as I read it) has NOTHING to do with being bound to a non-compete AFTER leaving an employer. It has all to do with other employment while being employed full time by that employer. It has been...
by tibbitts
Sun Apr 19, 2015 8:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: My job says I can't work for anyone else...
Replies: 61
Views: 6079

Re: My job says I can't work for anyone else...

I was able to strike out a similar clause in a 1099 contract, and out of maybe 50-100 previous contractors, I was the first person who'd asked to do that. But it was a case that worked in that era; today it wouldn't have happened, for a couple of reasons. Actually, the clause wouldn't have been the...
by tibbitts
Sun Apr 19, 2015 5:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: My job says I can't work for anyone else...
Replies: 61
Views: 6079

Re: My job says I can't work for anyone else...

Never sign a non-compete. To many unforeseen restrictions. As for your current non-compete - consult a lawyer. Different states have different restrictions on how enforceable non-competes are. BTW - why sign a contract and then (seemingly) plan to not abide by it? That's the wrong question to ask. ...
by tibbitts
Sun Apr 19, 2015 11:37 am
 
Forum: Personal Finance (Not Investing)
Topic: My job says I can't work for anyone else...
Replies: 61
Views: 6079

Re: Total Retirement 2045 + Small Cap Value?

Hi, So I have my wife's SEP IRA and my ROTH entirely in Vanguard Retirement 2045. We are both in our early thirties and really just started investing. I like Total Retirement, but have also read that more small cap value (15-20% of the portfolio) would be a smart idea since TR 2045 tends to lack Sm...
by tibbitts
Sun Apr 19, 2015 10:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Total Retirement 2045 + Small Cap Value?
Replies: 3
Views: 457

Re: Bernstein: "If you've won the game, stop playing."

Once the game has been won by accumulating enough safe assets to retire on, it makes little sense to keep playing it, at least with the “number”: the pile of safe assets sufficient to directly provide or indirectly purchase an adequate lifetime income stream. Bogleheads: I am in retirement and I ta...
by tibbitts
Sun Apr 19, 2015 9:45 am
 
Forum: Investing - Theory, News & General
Topic: Bernstein: "If you've won the game, stop playing."
Replies: 146
Views: 14779

Re: My job says I can't work for anyone else...

Never sign a non-compete. To many unforeseen restrictions. As for your current non-compete - consult a lawyer. Different states have different restrictions on how enforceable non-competes are. BTW - why sign a contract and then (seemingly) plan to not abide by it? That's the wrong question to ask. ...
by tibbitts
Sun Apr 19, 2015 9:13 am
 
Forum: Personal Finance (Not Investing)
Topic: My job says I can't work for anyone else...
Replies: 61
Views: 6079

Re: My job says I can't work for anyone else...

Based on the advice I won't pursue a side job. I don't want to get into a legal battle and I don't want to pay the money at this time to consult a lawyer. But the information is great for the future. As others have mentioned, for a full time gig doctor there is no place that I've come across that w...
by tibbitts
Sun Apr 19, 2015 12:06 am
 
Forum: Personal Finance (Not Investing)
Topic: My job says I can't work for anyone else...
Replies: 61
Views: 6079

Re: Can we afford [a masters degree]?

The OP wasn't asking if the degree was valuable or whether to enroll in the program, just how to pay for it. If the actual price is $40k and that's the least expensive available program, then the question becomes what loans are available and at what rate. If the lowest available rate is a 24% credi...
by tibbitts
Sat Apr 18, 2015 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can we afford [a masters degree]?
Replies: 38
Views: 2691

Re: Can we afford [a masters degree]?

The OP wasn't asking if the degree was valuable or whether to enroll in the program, just how to pay for it. If the actual price is $40k and that's the least expensive available program, then the question becomes what loans are available and at what rate. If the lowest available rate is a 24% credit...
by tibbitts
Sat Apr 18, 2015 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can we afford [a masters degree]?
Replies: 38
Views: 2691

Re: My job says I can't work for anyone else...

I'm employed as a W2 with my current job as a doc. In the employment contract I signed it says I can't work for another company as a doc while I'm employed with them. I'm wondering, how enforceable is this? Can they fire me if I choose to pursue a side gig? Although this may be somewhat off-topic, ...
by tibbitts
Sat Apr 18, 2015 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: My job says I can't work for anyone else...
Replies: 61
Views: 6079

Re: Is 2007 Accord 60K mile service worth $300?

I don't know anything about Hondas but I don't understand the 3x flush/fill thing. It seems extremely inefficient and environmentally unfriendly. Shouldn't the pans and converters both have plugs, which would seem likely to allow a high percentage of the old fluid out?
by tibbitts
Wed Apr 15, 2015 6:32 pm
 
Forum: Personal Consumer Issues
Topic: Is 2007 Accord 60K mile service worth $300?
Replies: 54
Views: 4408

Re: Career and college advice for current HS students

I don't believe the community college route is so bad for students who don't know what to do, particularly if they encounter different subjects than they did in high school. They might discover something that interests them, and with a little planning, it's possible to complete a reasonable percent...
by tibbitts
Tue Apr 14, 2015 6:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career and college advice for current HS students
Replies: 34
Views: 2600

Re: The Wellington Composite Index

Vanguard comparing the Wellington Fund to The Wellington Composite Index does in fact seem odd, given that (Webster's) definition of benchmark is " something that can be used as a way to judge the quality or level of other, similar things"; on a few levels, it doesn't seem to add up (incl...
by tibbitts
Tue Apr 14, 2015 5:38 pm
 
Forum: Investing - Theory, News & General
Topic: The Wellington Composite Index
Replies: 9
Views: 1206

Re: Career and college advice for current HS students

I don't believe the community college route is so bad for students who don't know what to do, particularly if they encounter different subjects than they did in high school. They might discover something that interests them, and with a little planning, it's possible to complete a reasonable percenta...
by tibbitts
Mon Apr 13, 2015 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career and college advice for current HS students
Replies: 34
Views: 2600

Re: Saving for next car...stash cash in VTSMX?

I don't remember there being any similar conversations on this forum after the market had dropped about 50% and very few people (here or elsewhere) were seeing any light at the end of the tunnel. Nor do I remember any when cash was paying 3% real. What if what drives the next equity collapse is inte...
by tibbitts
Mon Apr 13, 2015 7:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Saving for next car...stash cash in VTSMX?
Replies: 14
Views: 1623

Re: How does a retired person mitigate a Bond Bubble?

My mom is age 65 and retired. Her pension + SS pays her monthly expenses. Her entire IRA ($300k) is in Vanguard's Target Retirement Income fund (30% stocks/70% Bonds). Would the bond bubble bursting kill her IRA? If not, why not since it's 70% bonds? If so, how to mitigate it? Why isn't she in bank...
by tibbitts
Sun Apr 12, 2015 7:09 pm
 
Forum: Investing - Theory, News & General
Topic: How does a retired person mitigate a Bond Bubble?
Replies: 46
Views: 5744

Re: Why Buying a *New* Car Makes Sense? Please help!

You could get a 1 or 2 year old used car and save money without giving up much along the lines of fuel economy or safety. That contradicts what most observations in this thread have been: that for maintstream models, particularly the models that have historically been most favored on this forum, bu...
by tibbitts
Wed Apr 08, 2015 7:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Why Buying a *New* Car Makes Sense? Please help!
Replies: 63
Views: 5555

Re: Should I Buy a Used Motorhome

That picture has money pit written all over it! I've thought about traveling the country in retirement and came to the conclusion that a SUV would be the best bet. - Ability to go offload...some National Parks require 4x4 in certain areas - Better MPG - Easier to maneuver - Travel faster The money ...
by tibbitts
Mon Apr 06, 2015 7:57 am
 
Forum: Personal Consumer Issues
Topic: Should I Buy a Used Motorhome
Replies: 26
Views: 2019

Re: T Rowe price

In the '90s I owned many TRP funds, and it was a horrible time for TRP. They were into this growth-at-a-reasonable-price thing in almost all their equity funds, and it just wasn't working, year after year after year. This is an interesting history, but probably not so relevant since those were extr...
by tibbitts
Sun Apr 05, 2015 8:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: T Rowe price
Replies: 8
Views: 1248

Re: T Rowe price

My first thought isn't about TRP, it's about why you feel compelled to have a brokerage account and buy ETFs vs. mutual funds. Is there some reason for that? It does seem like over time all the MF/brokerages are forcing customers into a single (brokerage) platform, and I kind of understand that fro...
by tibbitts
Sun Apr 05, 2015 6:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: T Rowe price
Replies: 8
Views: 1248

Re: Home Air Filters

My two re-usable filters looked similar to these. Maybe if you have a pressure washer they're easy to wash; for me with just a hose, I never got all the clumped dirt (it wasn't clumped until washing, of course) out of the filter.
by tibbitts
Sun Apr 05, 2015 12:22 pm
 
Forum: Personal Consumer Issues
Topic: Home Air Filters
Replies: 44
Views: 3342

Re: Should I By a Used Motorhome

Why are they selling it? I knew they were thinking about RV's when I saw this on a used car lot last spring and told them about it. They drove over to the dealer lot and bought it. They have used it only locally over the last year. But recently they decided they want to retire much sooner and are t...
by tibbitts
Sun Apr 05, 2015 11:08 am
 
Forum: Personal Consumer Issues
Topic: Should I Buy a Used Motorhome
Replies: 26
Views: 2019

Re: Home Air Filters

How often do you replace them and where do you get them? I've heard that you're suppose to replace them every three months. My house has 4 of them, so if I pay $15 / each that would be $240 / year. You've heard? If you haven't been replacing your filters, ever, how is it possible your hvac is still...
by tibbitts
Sun Apr 05, 2015 10:30 am
 
Forum: Personal Consumer Issues
Topic: Home Air Filters
Replies: 44
Views: 3342

Re: Home Air Filters

How often do you replace them and where do you get them? I've heard that you're suppose to replace them every three months. My house has 4 of them, so if I pay $15 / each that would be $240 / year. You've heard? If you haven't been replacing your filters, ever, how is it possible your hvac is still...
by tibbitts
Sun Apr 05, 2015 10:07 am
 
Forum: Personal Consumer Issues
Topic: Home Air Filters
Replies: 44
Views: 3342

Re: T Rowe price

I have just found thus site and enjoy reading it immensely. I started vesting in 1990 and have been a do-it- yourself investor with vanguard since then. My main assets have always been in vanguard. Over time, my portfolio has become more "complex" in that I clearly have too many funds. Al...
by tibbitts
Sun Apr 05, 2015 9:49 am
 
Forum: Investing - Help with Personal Investments
Topic: T Rowe price
Replies: 8
Views: 1248

Re: deferring annuitization - adverse tax consequences?

I just looked at my old contract. The monthly rates for a life annuity at ages greater than 85 are treated as if the annuitant is 85. It surely doesn't pay the annuitant to wait for a higher monthly payout :D Dale Wow, that's interesting, and surprising. I'll have to investigate further with regard...
by tibbitts
Sun Apr 05, 2015 12:13 am
 
Forum: Investing - Help with Personal Investments
Topic: deferring annuitization - adverse tax consequences?
Replies: 6
Views: 676

Re: Road Tolls, and Rental Cars

It would be nice if there were a universal system throughout the US, but clearly there is not, and probably won't be, which is annoying. As for using a transponder from your own vehicle in a rental car, for me I'd put the odds of leaving the transponder in the rental car at about as close to a sure ...
by tibbitts
Sun Apr 05, 2015 12:02 am
 
Forum: Personal Consumer Issues
Topic: Road Tolls, and Rental Cars
Replies: 43
Views: 4159

Re: deferring annuitization - adverse tax consequences?

The life expectancy for a 90 year old is 4 years. If the "life only" payout is selected, the payments might be large enough to push someone into a much higher tax bracket. There are a lot of payout options, though. If there are any heirs around, and the money is not needed, the contract o...
by tibbitts
Sat Apr 04, 2015 3:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: deferring annuitization - adverse tax consequences?
Replies: 6
Views: 676

deferring annuitization - adverse tax consequences?

I'm relatively unfamiliar with annuities, so any help clarifying this cautionary note, regarding a variable annuity contract, would be appreciated: "...dates of maturity that occur when the annuitant is... past age 90, may have adverse tax consequences" Without debating the selection of a ...
by tibbitts
Sat Apr 04, 2015 11:08 am
 
Forum: Investing - Help with Personal Investments
Topic: deferring annuitization - adverse tax consequences?
Replies: 6
Views: 676

Re: vanguard PAS increasing foreign exposure

Hi Bogleheads, Vanguard portfolio advisory services sent email to its subscribers that they will be increasing foriegn stock and bond allocation. The overall stock/bond allocation willl be same. The the international portion will increase by 10%. Wanted to start this thread to see your take on this...
by tibbitts
Sat Apr 04, 2015 8:18 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard advice to increase international bonds and stocks
Replies: 27
Views: 3373

Re: Buy riding mower or hire service to cut grass?

This year I gave up doing the weed killer / fertilizer myself, because I'd dropped into the ugliest 10% of lawns in the neighborhood with the DIY approach. Hopefully after a year of service, $270, the lawn will be back to the middle range and I can go back to DIY next year. Maybe I can alternate yea...
by tibbitts
Sat Apr 04, 2015 8:15 am
 
Forum: Personal Consumer Issues
Topic: Buy riding mower or hire service to cut grass?
Replies: 56
Views: 3959

Re: Letter from Lawyer to enter my property to construct roa

This sounds like it might be an opportunity to sell your entire property to Mr. A. Or maybe to Mr. A's lawyer, who will probably figure out a way to profit from Mr. A building a road on what will then be his (the lawyer's) property.
by tibbitts
Thu Apr 02, 2015 8:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Letter from Lawyer to enter my property to construct road
Replies: 39
Views: 6310

Re: 31 yrs old, Career Changes

Thanks everyone for the responses. Strayshot, your post was excellent and really made things clear - thanks for that. You might consider that the odds are probably less than 1% of a future employer in any field allowing you to continue in your postition while you follow your spouse around the world...
by tibbitts
Wed Apr 01, 2015 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: 31 yrs old, Career Changes
Replies: 8
Views: 1884

Re: Need a new sub-forum for guns?

Since someone mentioned cars and guns together, here are differences. Most people here own a car. But only less than half the US population owns guns. I do not realize that cars have been used in planned mass murders, though guns have. Cars are not a political issue, but owning/using guns is. I don...
by tibbitts
Wed Apr 01, 2015 5:37 pm
 
Forum: Forum Issues and Administration
Topic: Need a new sub-forum for guns?
Replies: 25
Views: 2305

Re: Why Buying a *New* Car Makes Sense? Please help!

Regarding CPO, I've purchased two CPO cars, and both times the vehicles definitely didn't have the supposedly-required fluid changes. Having said that, the value of CPO in terms of warranty varies dramatically from one manufacturer to another, and the experience varies dramatically from dealer to de...
by tibbitts
Tue Mar 31, 2015 7:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why Buying a *New* Car Makes Sense? Please help!
Replies: 63
Views: 5555

Re: New Car Tires from Discount Tire

You may get a 50% discount offer on the replacement certificates if you initially turn them down. Whether that makes sense depends partly on where and how much you drive. Last year I got three nail holes in one day in a single tire, two of which were not repairable. A few years ago a 3/4" tree ...
by tibbitts
Tue Mar 31, 2015 7:10 am
 
Forum: Personal Consumer Issues
Topic: New Car Tires from Discount Tire
Replies: 23
Views: 2678

Re: Why Buying a *New* Car Makes Sense? Please help!

i dont understand why the holding periods are different either. I have flipped cars after 1-3 years (buy used and sell used) and I flip when I need something different for work or family, or personal preference, or want a different technology (for example, awd, or hatchback etc). I have never held ...
by tibbitts
Tue Mar 31, 2015 7:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Why Buying a *New* Car Makes Sense? Please help!
Replies: 63
Views: 5555

Re: Why Buying a *New* Car Makes Sense? Please help!

It doesn't make sense economically, when slightly used cars that could save you a lot of money over the long run are for sale everywhere. Emotionally? yeah! makes a lot of sense. Americans love their new shiny car every 3-4 years. Slightly used cars, given the manufacturer/model being discussed, ar...
by tibbitts
Mon Mar 30, 2015 5:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why Buying a *New* Car Makes Sense? Please help!
Replies: 63
Views: 5555

Re: Best Way to Visualize Compounding

I couldn't seriously promote compounding in 2015. All you're demonstrating is what zero or negative real rates get you, and that's not a pretty picture. To me, compounding implies interest and guarantees, not equity market investing. If you show them how 8% or something compounds over time, it's onl...
by tibbitts
Sun Mar 29, 2015 10:58 pm
 
Forum: Investing - Theory, News & General
Topic: Best Way to Visualize Compounding
Replies: 40
Views: 3377

Re: Hate where we live, do we make major changes?

Well, ok, I effectively lived in western NY for a couple of years, including a good part of a year or so at a Motel 6, and it's a completely different experience from eastern NY. The terrain is more like here in Oklahoma, just colder and snowier. I'd rather live here than western NY, especially if I...
by tibbitts
Sun Mar 29, 2015 2:48 pm
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 132
Views: 12286

Re: New Furnace & A/C Unit

I am starting to consider replacing our Natural Gas forced air unit including central air. Unit is over 25 years old and working fine(Lennox System), but I know the efficiency is nothing close to the new high efficiency systems. I have checked into local electrical & gas rebate programs. Any co...
by tibbitts
Sun Mar 29, 2015 12:21 pm
 
Forum: Personal Consumer Issues
Topic: New Furnace & A/C Unit
Replies: 37
Views: 3725

Re: Hate where we live, do we make major changes?

New York is pretty big, but having lived in upstate NY for thirty years, I've never heard anybody use the term "upper NY". I lived in the central NY and capital areas. You say you'd be a landscaper if you could, but I assume you understand that in the south (pretty much anywhere south of N...
by tibbitts
Sun Mar 29, 2015 12:10 pm
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 132
Views: 12286

Re: Toyota Tacoma Rusted Frame Recall

I recently received a recall notice on my 2005 Toyota Tacoma for frame rust issues; upon inspection it was determined that I will need a new frame; it was also determined that since my state inspection is due at the end of the month; that the truck would not pass. They set me up with a 2014 RAV4 lo...
by tibbitts
Sat Mar 28, 2015 12:52 pm
 
Forum: Personal Consumer Issues
Topic: Toyota Tacoma Rusted Frame Recall
Replies: 4
Views: 687

Re: New Furnace & A/C Unit

I am starting to consider replacing our Natural Gas forced air unit including central air. Unit is over 25 years old and working fine(Lennox System), but I know the efficiency is nothing close to the new high efficiency systems. I have checked into local electrical & gas rebate programs. Any co...
by tibbitts
Sat Mar 28, 2015 12:47 pm
 
Forum: Personal Consumer Issues
Topic: New Furnace & A/C Unit
Replies: 37
Views: 3725
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