Search found 5342 matches

Return to advanced search

Re: Which Car? struggling to decide

TomatoTomahto wrote:
Fwiw, I'd gladly trade a day in my Range Rover now for a day in my old beater at age 25. :D

+1
by tibbitts
Thu Feb 26, 2015 9:02 am
 
Forum: Personal Consumer Issues
Topic: Which Car? struggling to decide
Replies: 45
Views: 2650

Re: Need outside advice on new truck

I'm not sold on the 100k thing, but don't believe you need to keep the truck for 250k miles, either. I've heard the story before - for 50k miles - and there probably is something to it, sort of like $1.99 vs. $2, but I don't think it's necessarily significant, unless maybe you definitely plan on tra...
by tibbitts
Thu Feb 26, 2015 8:56 am
 
Forum: Personal Consumer Issues
Topic: Need outside advice on new truck
Replies: 21
Views: 789

Re: Is the first 100k really the hardest?

For me, the first $100K was the hardest or seemed to take the longest. I've graphed my net worth over a couple decades or so and it is interesting how fast that curve steepens over the years. When I look at periods when the stock market tanked, although it seemed so bad at the time, it is only a sm...
by tibbitts
Wed Feb 25, 2015 8:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Is the first 100k really the hardest?
Replies: 39
Views: 4375

Re: Ideas of where to relocate

4. Presence of Federal Government installations (for the job opportunities). I don't work for the federal government, but I've worked for two state governments, including one of the largest, at relatively low levels (lowest level management or below.) I did this both early and late in my career, wi...
by tibbitts
Wed Feb 25, 2015 8:50 am
 
Forum: Personal Consumer Issues
Topic: Ideas of where to relocate
Replies: 30
Views: 1857

Re: Is the first 100k really the hardest?

To me, compounding has a lot more to do with income (interest, maybe dividends) than capital appreciation (or lack thereof.) It seems to imply at least some degree of reliability. So considering that both interest and dividend rates are both near historical lows, and, combined with stagnating or dec...
by tibbitts
Wed Feb 25, 2015 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Is the first 100k really the hardest?
Replies: 39
Views: 4375

Re: REITs

TOMO wrote:I also have held REITs for a while. I just don't understand why REITs went down so much when most stock and bond funds went up.

Isn't that the point of having REITs?
by tibbitts
Tue Feb 24, 2015 10:37 pm
 
Forum: Investing - Theory, News & General
Topic: REITs [Why did Vanguard's REIT lose 2% today?]
Replies: 33
Views: 3030

Re: Replacing a single tire on an AWD car

Why not just get the tire plugged? The OP doesn't know where the leak is coming from yet. The problem could even be a leaky valve. But there are many cases where plugging a tire can't be done due to where a puncture is, or how many punctures there are (I got three nails in one day in a single tire ...
by tibbitts
Tue Feb 24, 2015 12:04 am
 
Forum: Personal Consumer Issues
Topic: Replacing a single tire on an AWD car
Replies: 12
Views: 907

Re: Replacing a single tire on an AWD car

I had the somewhat the same issue on several vehicles, most recently my 2004 Ford Ranger. I had a tire wrecked when I lost control on black ice. I just bought another matching tire and replaced all four at the next tire change. No problem. I am at 150k miles right now. Shaving the tire seems like a...
by tibbitts
Mon Feb 23, 2015 11:56 pm
 
Forum: Personal Consumer Issues
Topic: Replacing a single tire on an AWD car
Replies: 12
Views: 907

Re: Replacing a single tire on an AWD car

Tire shaving has nothing to do with subaru (except that to some extent subaru's awd will be more sensitive to minor size differences than a 2wd car) - it's been around forever, both for your application and for race applications. Have you inquired at tire stores? Tire Rack is widely respected on thi...
by tibbitts
Mon Feb 23, 2015 10:55 pm
 
Forum: Personal Consumer Issues
Topic: Replacing a single tire on an AWD car
Replies: 12
Views: 907

Re: Credit Card Rewards (Travel)

It's coming up on renewal time for my United card, where I'm going to have to fork over the $95. I had planned to use it twice during my year (got it just after returning from a United flight last year, ironically) and it would have paid for itself in fee savings with just one use, but it didn't hap...
by tibbitts
Mon Feb 23, 2015 8:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 57
Views: 3189

Re: Shall I roll over my TIAA-CREF retirment account to Vang

by reading the replies above, I have an impression that many people like TIAA traditional & TIAA Real Estate fund. for my current employer TIAA account ($75K), maybe I can put some in Traditional and the rest in TIAA Real Estate, and include them in my calculation for overall portfolio? May I a...
by tibbitts
Sun Feb 22, 2015 12:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Shall I roll over my TIAA-CREF retirment account to Vanguard
Replies: 25
Views: 1621

Re: why do some people like Fidelity?

from http://en.wikipedia.org/wiki/Index_fund "Bogle started the First Index Investment Trust on December 31, 1975. At the time, it was heavily derided by competitors as being "un-American" and the fund itself was seen as "Bogle's folly".[3] Fidelity Investments Chairman Edw...
by tibbitts
Sat Feb 21, 2015 9:27 pm
 
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 67
Views: 6605

Re: Thoughts on replacing tires?

I'm not sure I'd buy tires on-line, only because of the hassle/cost of mounting, then finding the tires aren't what you want (or are even defective, or you believe they are - maybe a mysterious vibration or noise, etc.), and then having to exchange them. Usually a dealer would help work out those i...
by tibbitts
Sat Feb 21, 2015 5:03 pm
 
Forum: Personal Consumer Issues
Topic: Thoughts on replacing tires?
Replies: 60
Views: 3366

Re: T. Rowe Price Bond Index (PBDIX) and Vanguard Bond VBTLX

Does anyone have ideas on why T. Rowe Price U.S. Bond Enhanced Index (PBDIX) and Vanguard Total Bond Market Index Fund (VBMFX/VBTLX) have diverged so much over the last two years? For the 10 years prior they were very close. At the end of 2013, PBDIX had a big 1% point plunge compared to Vanguard s...
by tibbitts
Sat Feb 21, 2015 4:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: T. Rowe Price Bond Index (PBDIX) and Vanguard Bond VBTLX
Replies: 21
Views: 958

Re: Commiting NEW cash to market

I am just becoming a Bogelhead - I wish I would have know about Vanguard in general years ago. I know there is no way to time the market and come out on top but I have a question about how others would invest new money at this point. Would you go all in at once into your investment plan or would yo...
by tibbitts
Sat Feb 21, 2015 3:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Commiting NEW cash to market
Replies: 31
Views: 2036

Re: Commiting NEW cash to market

I commit new money to the market every 2 weeks. If I were to come into a wad of cash, I'd commit it per my asset allocation and IPS - otherwise why do I have those things? If you aren't comfortable buying the market now to your allocation, then you likely don't have a proper allocation for your ris...
by tibbitts
Sat Feb 21, 2015 3:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Commiting NEW cash to market
Replies: 31
Views: 2036

Re: Thoughts on replacing tires?

I'm not sure I'd buy tires on-line, only because of the hassle/cost of mounting, then finding the tires aren't what you want (or are even defective, or you believe they are - maybe a mysterious vibration or noise, etc.), and then having to exchange them. Usually a dealer would help work out those is...
by tibbitts
Sat Feb 21, 2015 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Thoughts on replacing tires?
Replies: 60
Views: 3366

Re: When 60/40 just isn't appropriate

I'm a bit confused. If I am 65, I need an investment plan that assumes I may live another 30-40 years. That isn't much different than when I was 25. I fully appreciate the "supposed" theory that someone in the accumulation phase has an income to offset losses. But I guess I don't fully bu...
by tibbitts
Sat Feb 21, 2015 3:05 pm
 
Forum: Investing - Theory, News & General
Topic: When 60/40 just isn't appropriate
Replies: 127
Views: 12985

Re: How much work can you expect your accountant to do?

Put everything in a box, send it to the accountant, and see what happens.

Or... I'm sure you're capable of doing her taxes. Mine too, and I'm not averse to free tax prep. Probably half the other forum members feel that way too, so post an address and we'll all send you our boxes.
by tibbitts
Sat Feb 21, 2015 1:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much work can you expect your accountant to do?
Replies: 12
Views: 958

Re: why do some people like Fidelity?

from http://en.wikipedia.org/wiki/Index_fund "Bogle started the First Index Investment Trust on December 31, 1975. At the time, it was heavily derided by competitors as being "un-American" and the fund itself was seen as "Bogle's folly".[3] Fidelity Investments Chairman Edw...
by tibbitts
Sat Feb 21, 2015 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 67
Views: 6605

Re: Giving guests free WiFI @ short-term rental = get sued?

I think this is probably the least of the other 9,719 problems you'll encounter from this rental. If the management company manages other properties and believes this is important, they would be aware that not having free wifi would impact marketing, and would have come up with a solution to this th...
by tibbitts
Sat Feb 21, 2015 1:01 pm
 
Forum: Personal Consumer Issues
Topic: Giving guests free WiFI @ short-term rental = get sued?
Replies: 32
Views: 3599

Re: Commercial Real Estate Investing

I noticed that most REIT ETF's retreated about ~4% last month. Whys is this? The thought of interest rates increasing possibly. Should I assume that REIT's will go down further once interest rates go up? Yes. You should assume that stocks, bonds, and reits will all go down equally when interest rat...
by tibbitts
Sat Feb 21, 2015 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Commercial Real Estate Investing
Replies: 13
Views: 683

Re: Financial Advisor, worth it? - McAdam

I appreciate the offer. I will post my portfolio choices in a separate thread. There is just one concern I have. It seems the advice is not to change portfolio allocation based on market changes. I do agree with this in general. However, there seem to be times when certain areas get bad news and th...
by tibbitts
Sat Feb 21, 2015 12:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor, worth it? - McAdam
Replies: 26
Views: 1909

Re: Unhappy With Job Raise

brutus wrote:3% a is pretty standard raise these days. The real money comes with a bonus. Get on a bonus plan.

3% is far more than a "standard" raise.
by tibbitts
Fri Feb 20, 2015 8:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Unhappy With Job Raise
Replies: 78
Views: 7352

Re: Car Battery in Unusual Cold

I had an EverStart battery from Wal-Mart which comes with a 3 year warranty for free replacement. After about 30 months, it had the above symptoms as the weather cooled. I took it to Wal-Mart and had it tested, where they determined they could replace it under warranty since it did not perform at s...
by tibbitts
Thu Feb 19, 2015 9:45 pm
 
Forum: Personal Consumer Issues
Topic: Car Battery in Unusual Cold
Replies: 87
Views: 3634

Re: Advice dealing with heating contractor please

I'm not an hvac expert, but in my limited experience, lack of capacity doesn't lead to reliability problems within 4-5 years.
by tibbitts
Thu Feb 19, 2015 9:10 pm
 
Forum: Personal Consumer Issues
Topic: Advice dealing with heating contractor please
Replies: 8
Views: 657

Re: 20% of portfolio in High Yield Bonds?

I'm not sure I agree about using more HY in the withdrawal phase. Share prices for HY usually fluctuate much more than traditional bonds, and there's a benefit to reinvesting (and definitely not withdrawing principal) during the sometimes-severe downturns. I am retired, and have 4% or so in VWEHX b...
by tibbitts
Wed Feb 18, 2015 10:12 pm
 
Forum: Investing - Theory, News & General
Topic: 20% of portfolio in High Yield Bonds?
Replies: 32
Views: 1830

Re: 20% of portfolio in High Yield Bonds?

I'm not sure I agree about using more HY in the withdrawal phase. Share prices for HY usually fluctuate much more than traditional bonds, and there's a benefit to reinvesting (and definitely not withdrawing principal) during the sometimes-severe downturns. I've got more than 20% in HY, if you only c...
by tibbitts
Wed Feb 18, 2015 8:58 pm
 
Forum: Investing - Theory, News & General
Topic: 20% of portfolio in High Yield Bonds?
Replies: 32
Views: 1830

Re: Should I Quit My Job

I'm not a close observer but thought the military was having to get rid of existing personnel (involuntarily, before full retirement benefits had accumulated), not recruit more. What happened to that?
by tibbitts
Wed Feb 18, 2015 8:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I Quit My Job
Replies: 46
Views: 6205

Re: Large Age Gap with Spouse/Partner

He is only 50 or so. So what in respect to children? My daughter-in=law got divorced and ran away. So when our son is at work, my wife and I are the parents of our grandson. I am 75, grandson is 11, and I look forward he becoming a teenager soon. All summer he and I did 5th grade math, he now does ...
by tibbitts
Tue Feb 17, 2015 8:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Large Age Gap with Spouse/Partner
Replies: 63
Views: 5099

Re: Japan, 1989

Thanks for posting that. It seems from a lot of posts here that we may have now become too conditioned to one "crisis" after another where markets manage to recover within a few years, so this is helpful counterbalancing information. Certainly back in the 80s the Japanese economy and busin...
by tibbitts
Tue Feb 17, 2015 8:48 am
 
Forum: Investing - Theory, News & General
Topic: Japan, 1989
Replies: 127
Views: 28312

Re: Spring Break Ideas for Apr 4-11 for girls 4,6 yrs

Thanks guys. We have covered most of the surrounding states during the weekends. So, SC, NC, TN, AL, FL have been covered. we havent done overnight camping because we as parents dont are not yet into it. Maybe if the kids grow up a bit more, we can try it. As for DC trip, if we go, we will try to t...
by tibbitts
Mon Feb 16, 2015 11:31 pm
 
Forum: Personal Consumer Issues
Topic: Spring Break Ideas for Apr 4-11 for girls 4,6 yrs
Replies: 45
Views: 2348

Re: Large Age Gap with Spouse/Partner

I'm considerably older than my wife, but less than the gap you're looking at. For me, 50 didn't feel much different from 25. But during that next decade, the years definitely caught up to me. I don't think relationships are that challenging for most people at 25/50, but you have to consider how you'...
by tibbitts
Mon Feb 16, 2015 9:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Large Age Gap with Spouse/Partner
Replies: 63
Views: 5099

Re: Career changer and choosing best option?

What is this requirement for a graduate to teach school in Ohio? That seems very unusual. Is that a public school requirement? What about private schools?
by tibbitts
Sun Feb 15, 2015 5:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Career changer and choosing best option?
Replies: 41
Views: 3179

Re: Spring Break Ideas for Apr 4-11 for girls 4,6 yrs

I don't have 4 or 6 year old girls, but dragging them along for an entire day of flying to get somewhere and another day to get back wouldn't be appealing to me. In a few years they'd be much better able to understand, appreciate, and remember what they're seeing in remote destinations, so I'd save ...
by tibbitts
Sun Feb 15, 2015 2:02 pm
 
Forum: Personal Consumer Issues
Topic: Spring Break Ideas for Apr 4-11 for girls 4,6 yrs
Replies: 45
Views: 2348

Re: possible churning?

honestly i'm asking for a friend I've been trying to convince to manage his own portfolio. his manager is charging 1.24% (!!!ugh) and took him on "as a favor" to another client despite the fact that his portfolio is smaller than what his firm usually requires. i'm compiling details to mak...
by tibbitts
Sun Feb 15, 2015 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: possible churning?
Replies: 20
Views: 1304

Re: Rental Car Prices - is this the new normal ?

To the veteran travelers here, please let me know if you guys have any tips/suggestions for car rentals. Not veteran, but was aghast at the $69/day I was being offered as the LOWEST for a trip in April. So I hit Priceline and offered $25/day - it was instantly accepted by Hertz. They make the credi...
by tibbitts
Sun Feb 15, 2015 12:45 pm
 
Forum: Personal Consumer Issues
Topic: Rental Car Prices - is this the new normal ?
Replies: 89
Views: 7810

Re: Rental Car Prices - is this the new normal ?

Regarding insurance on rental cars - your private insurance likely does not cover "loss of revenue," or the money that that rental car would have brought in had you not wrecked it. If you're concerned about this, make sure you account for it. This is one of the items covered by the AMEX p...
by tibbitts
Sun Feb 15, 2015 12:38 pm
 
Forum: Personal Consumer Issues
Topic: Rental Car Prices - is this the new normal ?
Replies: 89
Views: 7810

Re: Rental Car Prices - is this the new normal ?

My company has a deal with National, and it is ok to rent cars for vacation using the same deal. I have done this many times and it is a pretty good deal. Someone dented one of my rental cars on vacation, and I did not know it even happened until I returned the car. National tried to hassle me abou...
by tibbitts
Sun Feb 15, 2015 12:34 pm
 
Forum: Personal Consumer Issues
Topic: Rental Car Prices - is this the new normal ?
Replies: 89
Views: 7810

Re: Home-visit computer repair options

After a few years of maddening efforts to troubleshoot my parents' PC issues on the phone from hundreds of miles away, we gave them a Chromebook and haven't had an issue since. They only wanted email and web browsing anyway and never used any software applications. You still need someone to set up ...
by tibbitts
Sun Feb 15, 2015 12:15 pm
 
Forum: Personal Consumer Issues
Topic: Home-visit computer repair options
Replies: 29
Views: 836

Re: Tenants won't let us show the rental: what do we do?

I don't know anything about being a landlord; apparently the OP doesn't either. But isn't this what a property management company is supposed to deal with?
by tibbitts
Sun Feb 15, 2015 12:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tenants won't let us show the rental: what do we do?
Replies: 60
Views: 6913

Re: Home-visit computer repair options

Does she have a phone where she could take a couple of pictures and email them to you? That way you might be able to describe to her where the buttons are that you want her to try, and also see the cable setup on the back of the box. I know with my mom, I've often had to tell her to turn off/on the...
by tibbitts
Sun Feb 15, 2015 11:48 am
 
Forum: Personal Consumer Issues
Topic: Home-visit computer repair options
Replies: 29
Views: 836

Re: How much is a pension worth?

One benefit of a pension is insurance against poor market performance, assuming the organization providing the pension is stable enough to shore up the pension as required. Without debating the last point, there are pensions today promising payouts that can't be duplicated by any combination of inve...
by tibbitts
Sun Feb 15, 2015 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: How much is a pension worth?
Replies: 13
Views: 2154

Re: How much is a pension worth?

I'm not convinced taxes are much of a consideration here, with regard to traditional IRAs/401ks vs. pensions, except for very high wage earners. One reason is that some pension income is sometimes state-income-tax exempt, and dividends and capital gains may not receive favorable state tax treatment ...
by tibbitts
Sun Feb 15, 2015 11:16 am
 
Forum: Investing - Help with Personal Investments
Topic: How much is a pension worth?
Replies: 13
Views: 2154

Re: Emerging markets bonds better than US high yield bonds?

countmein wrote:FNMIX vs VWELX...

- identical sharpe ratios
- FNMIX is higher risk, higher return
- FNMIX is somewhat more correlated to global stocks than is VWELX.
- conclusion: FNMIX has higher risk density, VWELX is the better diversifier.

Diversifier vs. what?
by tibbitts
Sun Feb 15, 2015 10:57 am
 
Forum: Investing - Theory, News & General
Topic: Emerging markets bonds better than US high yield bonds?
Replies: 28
Views: 2497

Re: Home-visit computer repair options

Could your mom put the computer and parts in the car and bring it to them ? That would save the home visit cost, but require a degree of savvy to unplug and then put back together. Perhaps the next computer should be a laptop and it will be easier to bring in for check ups Best wishes, lafder Since...
by tibbitts
Sun Feb 15, 2015 10:48 am
 
Forum: Personal Consumer Issues
Topic: Home-visit computer repair options
Replies: 29
Views: 836

Re: Home-visit computer repair options

My computer illiterate senior-aged mother's computer suddenly won't turn on. It could be something as simple as her monitor isn't plugged in properly or that her computer may be broken altogether (it is pretty old). I am in the wrong part of the country to help, though. Do any of you have any recom...
by tibbitts
Sun Feb 15, 2015 10:45 am
 
Forum: Personal Consumer Issues
Topic: Home-visit computer repair options
Replies: 29
Views: 836

Re: Just no petroleum or defense?

Also, how far do you want to take these beliefs? Are you going to live in a house that is heated with wood? Are you going to move to a state that has a power grid that is not fueled by oil or gas, but say by nuclear? Buy a bicycle to get to work? I am not trying to knock your beliefs, but you have ...
by tibbitts
Sun Feb 15, 2015 10:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Just no petroleum or defense?
Replies: 49
Views: 2746

Re: Can I be fined $100 per day per individual?

This question seems to be closing in on, or maybe crossing over into, the forum's legal advice restrictions. If you can afford to reimburse employees for insurance that covers every possible medical-related cost with no deductibles, you can afford to get an opinion from someone you have recourse aga...
by tibbitts
Sun Feb 15, 2015 10:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I be fined $100 per day per individual?
Replies: 5
Views: 1524

Re: TIAA-CREF dramatically increasing Expense Ratios

ralph124cf wrote:All of my wife's CREF funds are from R3 institutions, and all of her ERs will go down between 6 and 9 basis points.

Ralph

My current plan is R1 and if I owned CREF accounts in it, mine would increase considerably more than yours decreased.
by tibbitts
Sat Feb 14, 2015 1:52 pm
 
Forum: Investing - Theory, News & General
Topic: TIAA-CREF dramatically increasing Expense Ratios
Replies: 72
Views: 4790
Next

Return to advanced search