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Re: Vanguard Flagship Service Experience

If anyone is using this - how satisfied are you with their services and how do you maximize your experience with them? What, if any, benefits do you like about it? Are you satisfied with their recommendations and your performance? If you were invested elsewhere, how was your prior experience with t...
by tibbitts
Sun Jan 25, 2015 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Flagship Service Experience
Replies: 6
Views: 1182

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

When you check the same location 6 months from the original date, what are the rates?
by tibbitts
Sun Jan 25, 2015 10:42 am
 
Forum: Personal Consumer Issues
Topic: Rental Car Prices - is this the new normal ?
Replies: 50
Views: 2747

Re: negotiating vacation days

15 is pretty good. I wouldn't push for more. That's the negative of starting new jobs. I get 10, and don't get an increase for another 36 months. I work with some young people and see their energy, optimism, excitement, vitality for life .... and weep that they are harnessed to the plow. burt It ha...
by tibbitts
Sat Jan 24, 2015 8:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: negotiating vacation days
Replies: 31
Views: 1729

Re: negotiating vacation days

My mega-corp has published vacation policy, but when hiring experienced professionals, they will count years of experience outside of the company towards calculating how much time you will get (like if you have 20 years of relevant experience, they will start you off with 20 vacation days, instead ...
by tibbitts
Sat Jan 24, 2015 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: negotiating vacation days
Replies: 31
Views: 1729

Re: negotiating vacation days

Tell them that you would like your vacation to be in-line with your peers: 21 days (or whatever the appropriate number is). Hooked… On vacation. Peers are defined in most companies by seniority, and that's the the problem - that's what the company is offering. The OP wants vacation that is not in l...
by tibbitts
Sat Jan 24, 2015 5:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: negotiating vacation days
Replies: 31
Views: 1729

Re: negotiating vacation days

If you are an experienced worker and the right fit for them, I doubt that they would balk if you asked for the 21 day vacation package. RM It depends on the role. If it is project work that will be waiting for you when you come back, then there may be negotiating room. But if someone has to cover y...
by tibbitts
Sat Jan 24, 2015 12:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: negotiating vacation days
Replies: 31
Views: 1729

Re: Flagship financial planner advice?

I agree that .3% to rebalance is unacceptable.

Here on the forum (and elsewhere), rebalancing is not universally thought to be necessary or beneficial, so whether you should do it for free, or not at all, would really be the only debate.
by tibbitts
Sat Jan 24, 2015 11:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Flagship financial planner advice?
Replies: 35
Views: 3649

Re: 4% Withdrawal Rate Question

Regarding the conventional wisdom of keeping retirement account withdrawal rates to 4% or lower, is that to say that even with a more conservative portfolio, one could simply live off interest from expected annual returns of the principal while breaking even, moreover not diminishing the principal ...
by tibbitts
Fri Jan 23, 2015 11:15 pm
 
Forum: Investing - Theory, News & General
Topic: 4% Withdrawal Rate Question
Replies: 16
Views: 1955

Re: negotiating vacation days

I just received a job offer for a "permanent" position. The salary is OK. I am back to what I was making in 2003. At this point in my career, I prefer more vacation days. This isn't a megacorp but isn't a small company either - $450M in revenues last year. Starting employees get 15 days a...
by tibbitts
Fri Jan 23, 2015 9:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: negotiating vacation days
Replies: 31
Views: 1729

Re: Primecap: The Best Stock Pickers You've Never Seen

If you look at the past ten years, supposedly a period when - according to the article - Primecap's selection of healthcare stocks resulted in significant outperformance - it seems that Primecap (regular and Core) pretty much mirrors the performance of a number of Fidelity growth funds (Contra, Grow...
by tibbitts
Fri Jan 23, 2015 8:41 pm
 
Forum: Investing - Theory, News & General
Topic: Primecap: The Best Stock Pickers You've Never Seen
Replies: 3
Views: 1112

Re: Vanguard STAR Fund (VGSTX)

While I understand its historical role in the Vanguard lineup (as the low minimum entry for a long time), and that it gives a decent return, I wonder why Vanguard keeps it around. Doesn't it cannibalize funds like Balanced, Wellington, LifeStrategy or the Target Retirement? And all those funds cann...
by tibbitts
Fri Jan 23, 2015 8:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard STAR Fund (VGSTX)
Replies: 8
Views: 957

Re: How should I invest 13k when I'm in college?

I have 8k a savings account and 5k in a CD. I was wondering the best way to long term invest in considering that I just want to start making money. I was thinking of a VG ETF or mutual fund. You'll spend that much during college, even without counting tuition, fees, and supplies. There won't be any...
by tibbitts
Fri Jan 23, 2015 7:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: How should I invest 13k when I'm in college?
Replies: 9
Views: 446

Re: When is cash still king?

So with all the cash back credit cards out there, I'm wondering when it is still smart to pay with good ole cash. There don't seem to be too many! Gas, groceries, home improvement stores...you can easily get 5% back or more on these with credit cards. Department stores and most other places in gene...
by tibbitts
Thu Jan 22, 2015 8:55 am
 
Forum: Personal Finance (Not Investing)
Topic: When is cash still king?
Replies: 26
Views: 2751

Re: Small Cap Value worth it?

ge1 wrote:I get the concept, that's why I clearly stated that the returns were prices only excluding dividends.

You say you "get the concept", in which case you must be aware that comparing price without dividends is meaningless.
by tibbitts
Wed Jan 21, 2015 8:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Small Cap Value worth it?
Replies: 33
Views: 3798

Re: Alaska Cruise, end-May, Travel Advice

You will get much, much more helpful replies if you post your exact itinerary - or a link to it. Many comments would depend on exactly what ports you will visit and exactly the time you will arrive and depart from those ports. I've enjoyed all my Alaska cruises, although I've only gone on limited-du...
by tibbitts
Tue Jan 20, 2015 7:11 pm
 
Forum: Personal Consumer Issues
Topic: Alaska Cruise, end-May, Travel Advice
Replies: 4
Views: 432

Re: Here's my situation.

stevemed wrote:bumped

Maybe you missed the memo but around here, bumping is comparable to posting porn (and not the investment kind.)
by tibbitts
Mon Jan 19, 2015 1:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Here's my situation.
Replies: 20
Views: 2566

Re: Healthcare Fund-VGHAX or Energy Fund-VGELX

Hello all, I would like to invest approximately $500K in one or two Vanguard sector funds. I will be rolling over funds from a tax deferred 457 plan into the Vanguard Rollover IRA. I am 51 years old, will have a state pension at age 60 and will not be taking distributions for approximately 20 years...
by tibbitts
Mon Jan 19, 2015 1:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Healthcare Fund-VGHAX or Energy Fund-VGELX
Replies: 28
Views: 2517

Re: Wellington Fund as primary retirement investment

The downside to Wellington is that it might underperform a comparable weighted index over a very, very long period of time. That might not matter in this case, where this amount is (apparently) just a small fraction of a portfolio. My own inclination would be to keep a single active fund at less tha...
by tibbitts
Mon Jan 19, 2015 1:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wellington Fund as primary retirement investment
Replies: 29
Views: 4691

Re: Land - Me or my Neighbor

Send the question in writing to your insurance agent and ask for an answer in writing. I don't believe that agent's replies to hypothetical questions are binding, whether in writing or not. The terms of the contract you sign are binding. It sounds like the OP would prefer to just buy the land. Then...
by tibbitts
Mon Jan 19, 2015 11:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Land - Me or my Neighbor
Replies: 44
Views: 3405

Re: Bond portfolio advice

I think they're pretty risk averse, but they want to make some sort of yield that beats their current money market account or CDs. I'm going to put together a few options for them and I'm looking for some suggestions. I recommended TIPS, but they weren't interested. Sometimes there are no options, ...
by tibbitts
Sun Jan 18, 2015 10:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond portfolio advice
Replies: 7
Views: 699

Re: Investing for 18year old and 23year old

One kid is 23 and earning $150k. Maybe he should be giving us advice.
by tibbitts
Sun Jan 18, 2015 10:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing for 18year old and 23year old
Replies: 14
Views: 1056

Re: How long did it take your net worth to go from $1.5M to

I'm thinking a poll asking how long it took to get from $3 million to $1.5 million, and how that happened, would be more interesting.
by tibbitts
Sun Jan 18, 2015 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long did it take your net worth to go from $1.5M to $3M?
Replies: 22
Views: 4540

Re: Dave Ramsey's bad advice at an all time high!

Except for getting sidetracked on Walmart, this thread, like most DR threads, does contain some useful information for people who might not be aware of some of the pros and cons of DR's recommendations.
by tibbitts
Sun Jan 18, 2015 9:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey's bad advice at an all time high!
Replies: 40
Views: 6305

Re: Saving vs Living

You don't need to max out your retirement accounts at the age of 26... But, you should if you can. There's no reason to spend money just to spend money. Take advantage as much as possible of long term compound interest. Get over the notion that spending money = fun. I don't think it would be reason...
by tibbitts
Sun Jan 18, 2015 1:51 pm
 
Forum: Personal Consumer Issues
Topic: Saving vs Living
Replies: 33
Views: 4489

Re: Tilting to Corp. Bonds

I heard Bogle suggest tilting to corporate bonds. He said that the purpose of indexing is to "beat the guy next door" and most investors have more corporate bonds. He said the reason the index has more government bonds is because other governments buy them. Any thoughts? I think the premi...
by tibbitts
Sun Jan 18, 2015 11:07 am
 
Forum: Investing - Theory, News & General
Topic: Tilting to Corp. Bonds
Replies: 36
Views: 2900

Re: Flagship financial planner advice?

I have not used this service but I'm guessing what it assumes you are most interested in - selecting among investment choices at VG - is what would be the least useful aspect of consulting with a financial advisor. If you want to discuss fund selection, this is the place to do it. With a planners, y...
by tibbitts
Sun Jan 18, 2015 10:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Flagship financial planner advice?
Replies: 35
Views: 3649

Re: Saving vs Living

It's easy to be discouraged by reading the posts from members wondering if they'll ever be able to retire with "just" a few million dollars, but you have to keep in mind that you're dealing with a very atypical group. Also remember that a lot of us were able to accumulate savings in eras w...
by tibbitts
Sat Jan 17, 2015 9:58 pm
 
Forum: Personal Consumer Issues
Topic: Saving vs Living
Replies: 33
Views: 4489

Re: List of non-actionable thread topics

A list of non-actionable thread topics that are perennial and need to be weeded out. BRK and Warren Buffett's success can be argued, debated, and dissected, but there is no actionable info there for retail index investors. He is an active fund manager (who owns the fund). M* is a more appropriate p...
by tibbitts
Sat Jan 17, 2015 9:08 pm
 
Forum: Forum Issues and Administration
Topic: List of non-actionable thread topics
Replies: 4
Views: 506

Re: Malkiel's recommendations, 1990 to 2015

Isn't it possible that Malkiel took a look around, made some assumptions about future needs and returns, and changed his mind about what, in his opinion, would be now be the best AA for a new retiree? Last time I checked the world is a lot different now than it was in 1990. We now think we know a l...
by tibbitts
Sat Jan 17, 2015 3:51 pm
 
Forum: Investing - Theory, News & General
Topic: Malkiel's recommendations, 1990 to 2015
Replies: 40
Views: 3788

Re: Are there any advisors on this site?

I have a multi-part question: 1) are there any investment advisors that contribute on this site? (Who?) 2) if so, do you do it for fun (blog) or do you get paid? (Can you say which site you write on?) 3) how does someone get compensated for directing a person to use a low cost 3-fund portfolio and ...
by tibbitts
Sat Jan 17, 2015 3:37 pm
 
Forum: Investing - Theory, News & General
Topic: Are there any advisors on this site?
Replies: 30
Views: 2569

Re: Malkiel's recommendations, 1990 to 2015

My guesses would be low inflation leading to low interest rates leading to low bond yields for many retirees. Now to be fair one should compare him to someone else to see if what his changes are the "norm" or the outlier. Don't think there was lifecycle funds back then, but if there was h...
by tibbitts
Sat Jan 17, 2015 1:50 pm
 
Forum: Investing - Theory, News & General
Topic: Malkiel's recommendations, 1990 to 2015
Replies: 40
Views: 3788

Re: Is Vanguard STAR appropriate for someone retired?

Not enough information to make a precise recommendation, but it would be pretty difficult to go completely wrong with STAR.
by tibbitts
Thu Jan 15, 2015 10:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard STAR appropriate for someone retired?
Replies: 5
Views: 781

Re: Do you encrypt financial/investment documents on your PC

I encrypt my few files containing account numbers, passwords, etc. I'm reluctant to encrypt entire drives or filesystems due to my computers being older, and/or low-powered even for their era.

I've had the experience of losing data to encryption, so that may somewhat limit my enthusiasm.
by tibbitts
Thu Jan 15, 2015 8:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you encrypt financial/investment documents on your PC?
Replies: 37
Views: 1977

Re: When your spouse isn't quite as frugal as you

You're being unreasonable - as in off-the-scale unreasonable - and need to "just roll with it."
by tibbitts
Wed Jan 14, 2015 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: When your spouse isn't quite as frugal as you
Replies: 94
Views: 8591

Re: POLL: Homeowners Ins cost $/month per $100k home value?

This is meaningless without considering deductible.

$125k value, about $80/mo, 2% (about $2.6k) deductible.
by tibbitts
Wed Jan 14, 2015 8:36 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Homeowners Ins cost $/month per $100k home value?
Replies: 42
Views: 3132

Re: Advice for my sisters first job

Those are excellent options - pretty hard to go wrong with that assortment.
by tibbitts
Tue Jan 13, 2015 11:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice for my sisters first job
Replies: 3
Views: 472

Re: Need help informing my father he is making a mistake

No, it won't, because for generations, people have been investing with ML and similar brokerages, sometimes with even higher fees than today's typical wrap account. These people didn't jump off ledges, bridges, or anything else. What you're suggesting is that because now, in our generation(s), ther...
by tibbitts
Tue Jan 13, 2015 7:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help informing my father he is making a mistake
Replies: 58
Views: 4910

Re: Need help informing my father he is making a mistake

You should offer an opinion to him. It is your business and shows you care. Your post is poorly written and doesn't clearly reflect your concerns. if you just sit back and he jumps off a bridge you would feel worse. At least you tried. Why is it the OP's business? People have been investing with ML...
by tibbitts
Tue Jan 13, 2015 12:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Need help informing my father he is making a mistake
Replies: 58
Views: 4910

Re: Need help informing my father he is making a mistake

You should offer an opinion to him. It is your business and shows you care. Your post is poorly written and doesn't clearly reflect your concerns. if you just sit back and he jumps off a bridge you would feel worse. At least you tried. Why is it the OP's business? People have been investing with ML...
by tibbitts
Mon Jan 12, 2015 10:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help informing my father he is making a mistake
Replies: 58
Views: 4910

Re: Need help informing my father he is making a mistake

It's interesting how most assume the father has raised a son he wouldn't trust for financial advice. That said - I think livesoft's approach has the highest chance of achieving your goal. Why would the father take the son's financial advice, any more than than the son should take the father's advic...
by tibbitts
Mon Jan 12, 2015 9:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help informing my father he is making a mistake
Replies: 58
Views: 4910

Re: Need help informing my father he is making a mistake

You should offer an opinion to him. It is your business and shows you care. Your post is poorly written and doesn't clearly reflect your concerns. if you just sit back and he jumps off a bridge you would feel worse. At least you tried. Why is it the OP's business? People have been investing with ML...
by tibbitts
Mon Jan 12, 2015 9:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help informing my father he is making a mistake
Replies: 58
Views: 4910

Re: Need help informing my father he is making a mistake

The premise is wrong. You have no idea if investing with this allocation and with this adviser is a mistake for your father. It might be wrong for you, but might not be for your father. Your father isn't doing what you would choose to do. There have probably been a few times when you didn't do what ...
by tibbitts
Mon Jan 12, 2015 9:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help informing my father he is making a mistake
Replies: 58
Views: 4910

Re: Rental Car Driver Not Authorized

Here's a related question: How does the rental car company know that a customer has underlying car insurance? Put differently, why would any company rent a car to someone without being sure that they have insurance to cover their vehicle? I've never been asked to see my policy or to see even a proo...
by tibbitts
Mon Jan 12, 2015 8:52 am
 
Forum: Personal Consumer Issues
Topic: Rental Car Driver Not Authorized
Replies: 36
Views: 3265

Re: Rental Car Driver Not Authorized

Yes. It's just not clear if I'm jeopardizing that coverage by not getting my wife authorized by the rental company. It would SEEM to me that if we maintain car insurance, they should cover her for any car she drives. But the question here is whether that coverage is void if she drives a car without...
by tibbitts
Sun Jan 11, 2015 11:18 pm
 
Forum: Personal Consumer Issues
Topic: Rental Car Driver Not Authorized
Replies: 36
Views: 3265

Re: Rental Car Driver Not Authorized

Don't most auto policies cover you if you are driving anyone else's car? I always decline the rental companies insurance charges because they're stunningly overpriced, I believe, and I'm covered under my own policy. If my wife drives it, so is she, as far as I know. Yes. It's just not clear if I'm ...
by tibbitts
Sun Jan 11, 2015 11:16 pm
 
Forum: Personal Consumer Issues
Topic: Rental Car Driver Not Authorized
Replies: 36
Views: 3265

Re: Rental Car Driver Not Authorized

I'm not in this field but I believe the renter would be 100% liable to the rental car company for the cost of repairs, loss of income and diminished value of the rental car if the car were damaged. How is this any different than if the accident occurred with the proper authorized renter driving? Th...
by tibbitts
Sun Jan 11, 2015 11:08 pm
 
Forum: Personal Consumer Issues
Topic: Rental Car Driver Not Authorized
Replies: 36
Views: 3265

Re: Rental Car Driver Not Authorized

I have rented in a few cases where spouses were automatically added. Others have required paying a fee. I don't know if they're "automatically" added but some companies may allow adding a spouse for no cost (Avis, Budget, Enterprise, and I believe grandfathered Alamo Insiders.) Some group...
by tibbitts
Sun Jan 11, 2015 4:37 pm
 
Forum: Personal Consumer Issues
Topic: Rental Car Driver Not Authorized
Replies: 36
Views: 3265

Re: Rental Car Driver Not Authorized

I don't know, but I'm guessing you cannot authorize her to drive the rental car, since it's not your car. The rental car company doesn't delegate that authority to you. So the coverage on the car, regardless of what source it came from, would be similar to what you'd have if your wife had stolen the...
by tibbitts
Sun Jan 11, 2015 4:03 pm
 
Forum: Personal Consumer Issues
Topic: Rental Car Driver Not Authorized
Replies: 36
Views: 3265

Re: TIAA-CREF and Vanguard funds - any extra fees ?

ARRRGGHHH - thanks, yeah, it all makes sense as different biz deals from each provider and institution. He may only be there 5 years, a PhD program out in sunny Caltech, while ZERO here in Chicago, and then we would have to ask - now what do we do with the 403(b) ? Guessing a rollover into an IRA.....
by tibbitts
Sun Jan 11, 2015 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: TIAA-CREF and Vanguard funds - any extra fees ?
Replies: 8
Views: 992

Re: Rick Ferri looking to internationalize his portfolio

I don't care how other people choose to invest their money, but I'm bemused by the insunuations that going abroad is essential. I don't see any such insinuations in this thread; the discussion is more one of optimization. It's similar to some people feeling a small or small/value tilt is more optim...
by tibbitts
Sat Jan 10, 2015 11:52 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 224
Views: 24708
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