Search found 5505 matches

by tibbitts
Fri Jul 03, 2015 2:06 pm
Forum: Personal Consumer Issues
Topic: Purchase '98 Toyota Camry?
Replies: 28
Views: 2233

Re: Purchase '98 Toyota Camry?

In many areas, If a 1998 car hasn't been garaged-kept (including during the day) for its life, there's no way I'd buy it. Too much interior, exterior, and rubber part degradation, and you can spend many thousands of dollars to have that fixed. Of course some part deteriorate even without any exposur...
by tibbitts
Fri Jul 03, 2015 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Average raises for promotions
Replies: 26
Views: 2018

Re: Average raises for promotions

I just read the thread where someone working for a boutique consultancy is interviewing with Big 4 firms but has been told at his current firm that he is likely to be promoted this fall with a 20-25% raise. I've spent my entire career at mega corps and my experience with increases from promotions i...
by tibbitts
Mon Jun 29, 2015 9:33 pm
Forum: Personal Consumer Issues
Topic: Used, Reliable, Safe, Financially Sound cars
Replies: 56
Views: 4242

Re: Used, Reliable, Safe, Financially Sound cars

My mechanic advised not touching the Subaru boxer engine with a pole of any length. Said he's seen a slew of them and they have a big oil leakage problem. Said that Subaru should have been able to fix this engine as long as they have been making it. Like most anecdotal information, this lacks persp...
by tibbitts
Sun Jun 28, 2015 2:17 pm
Forum: Personal Consumer Issues
Topic: Any solo retired RVer's out there?
Replies: 90
Views: 12094

Re: Any solo retired RVer's out there?

Thanks for the lots of information on the long drive, towing, brake controller, visiting Alaska etc...wow....a wealth of RV knowledge right here on bogleheads.......& I was browsing Forums of Escape owners,... Fiberglassrv...etc. It sounds like we may have to have them store it till April or so...
by tibbitts
Sun Jun 28, 2015 10:23 am
Forum: Investing - Help with Personal Investments
Topic: No gain in 9 months of investment
Replies: 23
Views: 4355

Re: No gain in 9 months of investment

Hello every one. I am new for investment and just started with the 3 best vanguard funds as: 40% in total stock, 50 % in total bond market and 10 % in total international stock. It has been over 9 month so far, but my asset is usually negative by 2+ % . I have some money on my checking account and ...
by tibbitts
Sat Jun 27, 2015 12:24 pm
Forum: Personal Consumer Issues
Topic: Condo HOA not allowing wood flooring due to noise concern... Is this a sign of shoddy construction?
Replies: 9
Views: 1062

Re: Condo HOA not allowing wood flooring due to noise concern... Is this a sign of shoddy construction?

Hello, I am interested in buying a condo in a 5-story building. I found out that the HOA doesn't allow wood flooring because "noise is an issue even with carpet". Is this an indication of cheap, poor construction? You can probably learn a lot about the quality of construction during the i...
by tibbitts
Sat Jun 27, 2015 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum investment v. DCA v. Waiting
Replies: 50
Views: 5009

Re: Lump sum investment v. DCA v. Waiting

tomhole wrote:I keep some cash laying around and buy every time the Dow drops 200+ points. Made a lot of money doing that the past 2 years. You could do that with your lump sum.

Compared to lump summing the same total amount two years ago?
by tibbitts
Sat Jun 27, 2015 10:04 am
Forum: Investing - Help with Personal Investments
Topic: are these legit Vanguard reviews?
Replies: 38
Views: 4454

Re: are these legit Vanguard reviews?

I was about to open a Vangiard account and saw these reviews. Any views on validity of these things http://www.consumeraffairs.com/automated-investment-services/vanguard.html thanks I don't know anything about this website, but it looks like they rate VG 1 out of 5 stars (based on only 8 reviews), ...
by tibbitts
Sat Jun 27, 2015 9:40 am
Forum: Personal Consumer Issues
Topic: Any solo retired RVer's out there?
Replies: 90
Views: 12094

Re: Any solo retired RVer's out there?

We too just retired and want to be novice weekend Rvers, and learned a lot about smaller Fiber Glass Trailers at fiberglassrv.com. After debating between a Casita & Escape for some time I just put a deposit, to be on the waiting list for a 17' B Escape from BC, Canada. It is scheduled to be com...
by tibbitts
Wed Jun 24, 2015 10:13 pm
Forum: Personal Consumer Issues
Topic: What happens if new cars are hailed on in dealer's lot?
Replies: 16
Views: 2492

Re: What happens if new cars are hailed on in dealer's lot?

.....Huh? How would that be applicable in this situation? ...not even considering the fact that the "insured" and "body shop chosen to do the repair work" may be the same entity. I must be missing something. In my area (mid-Atlantic) the new car dealerships have service departme...
by tibbitts
Wed Jun 24, 2015 9:45 pm
Forum: Personal Consumer Issues
Topic: What happens if new cars are hailed on in dealer's lot?
Replies: 16
Views: 2492

Re: What happens if new cars are hailed on in dealer's lot?

Great news. As if we didn't have enough posts in the other recent thread on why new car dealers are generally held in such low esteem and are usually regarded as scoundrels and unabashed all-around unscrupulous business people. Yikes. If what you say is true (?) that's a good reason for bringing ba...
by tibbitts
Sun Jun 21, 2015 5:41 pm
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 7919

Re: Best "All Around Lens" for Nikon DSLRs?

The 200-300 zoom range lens is pretty excessive for an all-around lens as well. At that level of zoom, you're sacrificing a lot of sharpness, and also really should be considering using a tripod for stability. I'd actually say the same for the 18-200, having bought that first myself and realizing n...
by tibbitts
Sun Jun 21, 2015 3:58 pm
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 7919

Re: Best "All Around Lens" for Nikon DSLRs?

The best one lens for Nikon, Canon, Fuji, Oly, etc., would be in the an 18-200 range which both Canon and Nikon have. Fuji has an 18-135 for that area. On APS-C, which it seems you are using, it covers an effective Full Frame equivalent range of 28 to 300 or so mm. It is the best one lens solution ...
by tibbitts
Sat Jun 20, 2015 11:27 pm
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 7919

Re: Best "All Around Lens" for Nikon DSLRs?

Even on a DX body, don't you find the 50mm (75 effectively) too wide for portraits? I prefer somewhere between 105-135 or so with an FX camera. That's not to say that it's my way or wrong, but ... I think 85-105 was the traditional choice for portraits back in the 35mm era at least, so I assume tha...
by tibbitts
Sat Jun 20, 2015 9:22 pm
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 7919

Re: Best "All Around Lens" for Nikon DSLRs?

The best one lens for Nikon, Canon, Fuji, Oly, etc., would be in the an 18-200 range which both Canon and Nikon have. Fuji has an 18-135 for that area. On APS-C, which it seems you are using, it covers an effective Full Frame equivalent range of 28 to 300 or so mm. It is the best one lens solution ...
by tibbitts
Sat Jun 20, 2015 4:34 pm
Forum: Personal Consumer Issues
Topic: Laptop Suggestion for Writing
Replies: 12
Views: 1315

Re: Laptop Suggestion for Writing

Looking for ideas for purchasing a used laptop that will make it easier for me to start writing/blogging again. I really don't need a ton of specs. I'm just looking to obtain my own device to, hopefully, give me more incentive, and privacy, to write again. Thanks I'd suggest the largest laptop you ...
by tibbitts
Sat Jun 20, 2015 2:26 pm
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 7919

Re: Best "All Around Lens" for Nikon DSLRs?

The best one lens for Nikon, Canon, Fuji, Oly, etc., would be in the an 18-200 range which both Canon and Nikon have. Fuji has an 18-135 for that area. On APS-C, which it seems you are using, it covers an effective Full Frame equivalent range of 28 to 300 or so mm. It is the best one lens solution ...
by tibbitts
Sat Jun 20, 2015 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: 15% of income to invest question
Replies: 25
Views: 2817

Re: 15% of income to invest question

I don't quite understand how a teacher's pension plan works as far as exactly how much is invested (the amount is = to 3% on my pay stubs). I'll have to research that more specifically. Although I don't count it as I'm not sure I can count on it in retirement....if it's there, then it's a bonus to ...
by tibbitts
Sat Jun 20, 2015 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: 15% of income to invest question
Replies: 25
Views: 2817

Re: 15% of income to invest question

https://docs.google.com/spreadsheets/d/18kpWCGpvXIicX-djrObKFB4NctyqEzBjW5jDlTr5w-U/edit?usp=sharing I don't understand - it looks like you have amazingly good options in your 403b. Did you see the excessive amount of fees for each of the vendors? All of them offer annuities only except 3 that offe...
by tibbitts
Sat Jun 20, 2015 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: 15% of income to invest question
Replies: 25
Views: 2817

Re: 15% of income to invest question


I don't understand - it looks like you have amazingly good options in your 403b.
by tibbitts
Sat Jun 20, 2015 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: So my pension has been frozen...
Replies: 34
Views: 6214

Re: So my pension has been frozen...

To simplify my previous post and make the decision easier, assuming some minimal degree of soundness of the plan: 1. Dave Ramsey would take the lump sum and pocket his virtually guaranteed 12%/yr. 2. I would take the pension, expecting 4%/yr over the next 27 years from fairly aggressive investments,...
by tibbitts
Sat Jun 20, 2015 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: 15% of income to invest question
Replies: 25
Views: 2817

Re: 15% of income to invest question

I don't quite understand how a teacher's pension plan works as far as exactly how much is invested (the amount is = to 3% on my pay stubs). I'll have to research that more specifically. Although I don't count it as I'm not sure I can count on it in retirement....if it's there, then it's a bonus to ...
by tibbitts
Sat Jun 20, 2015 11:47 am
Forum: Investing - Help with Personal Investments
Topic: 15% of income to invest question
Replies: 25
Views: 2817

Re: 15% of income to invest question

Teachers also have to be careful about the interaction of their pensions with social security benefits. That's an excellent point, although as far as I know it's only applicable if at some point the pension contributions were applied in place of SS contributions. Maybe someone else can explain in m...
by tibbitts
Sat Jun 20, 2015 10:43 am
Forum: Personal Consumer Issues
Topic: Where can I buy wiper blade inserts?
Replies: 22
Views: 2723

Re: Where can I buy wiper blade inserts?

This is driving me crazy. Apparently, I haven't bought wiper blades in a long time. I use to buy the inserts and change out the inserts myself. Now, all I can find are the entire wiper blade. What a way to make more money. If anyone has a clue where to purchase just the inserts, please let me know....
by tibbitts
Fri Jun 19, 2015 11:24 pm
Forum: Personal Consumer Issues
Topic: Anyone have A/C fail on an older Honda CRV?
Replies: 30
Views: 3174

Re: Anyone have A/C fail on an older Honda CRV?

A vehicle that lasts for 13 or 14 years and 170k and only now is developing a major issue doesn't owe you anything, even considering that vehicles are more reliable/durable now than in the past.
by tibbitts
Fri Jun 19, 2015 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: So my pension has been frozen...
Replies: 34
Views: 6214

Re: So my pension has been frozen...

I received notification that my pension has been frozen, and have been given two options: remain in the plan (won’t be vested until November) -- OR -- get a full refund of my contributions ($5800 - non-taxable), plus interest ($300 - taxable), that can be rolled into an IRA and/or be paid directly ...
by tibbitts
Fri Jun 19, 2015 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: 15% of income to invest question
Replies: 25
Views: 2817

Re: 15% of income to invest question

Also, 3% of my gross salary goes to state pension (teacher). My wife does not have a 401k at her work. This happens all the time on the forum: the most important piece of information gets left out. I'll guess the employer is contributing 10-12% of gross into your pension. You might never be able to...
by tibbitts
Thu Jun 18, 2015 5:16 pm
Forum: Personal Consumer Issues
Topic: Any solo retired RVer's out there?
Replies: 90
Views: 12094

Re: Any solo retired RVer's out there?

Thanks Tibbits, I checked yesterday and my truck is rated as being able to tow 7,800 lbs because I have the tow package. Even though it's considered "entry level" we're leaning toward the Retro 195 (19 footer), which is about half that weight. Most important is the ability to have a separ...
by tibbitts
Wed Jun 17, 2015 7:05 pm
Forum: Personal Consumer Issues
Topic: Any solo retired RVer's out there?
Replies: 90
Views: 12094

Re: Any solo retired RVer's out there?

Bumping this to elicit advice. My wife retired last Friday :sharebeer and we've been looking at light trailers for more enjoyable traveling starting next year from late spring through the fall. We'll take shorter trips into the Sierras of California and Nevada, and a longer trip through the Grand C...
by tibbitts
Wed Jun 17, 2015 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Not enough risk, open new fund?
Replies: 7
Views: 837

Re: Not enough risk, open new fund?

STAR is a very diversified fund and reasonably low cost, so it's certainly not a "mistake." It wasn't that long ago that its 60/40 stock/bond ratio was considered entirely appropriate for a variety of ages, even someone your age. The whole "not aggressive enough" thing is partly ...
by tibbitts
Wed Jun 17, 2015 7:59 am
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 7919

Re: Best "All Around Lens" for Nikon DSLRs?

I'm very surprised at the willingness to settle for 18-200 when we now have 16-300 technology in a not-that-much-bigger (and more importantly still single-lens) package. Also you get the 6yr warranty and 3-day repair with the 16-300 (which I've used on other Tamron products, and it really has been 3...
by tibbitts
Tue Jun 16, 2015 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Tax savings of moving to no income tax state
Replies: 24
Views: 3367

Re: Tax savings of moving to no income tax state

Hey All, Suppose you are a high income professional family with income exceeding 500k, what would a move from NJ to Texas do to the bottom line tax-wise? For example, using these parameters: Spouse 1- 250k income spouse 2- 250k income both are w2 employees with 18k tax deferred 401k accounts availa...
by tibbitts
Tue Jun 16, 2015 9:34 pm
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 7919

Re: Best "All Around Lens" for Nikon DSLRs?

I have a Nikon D5100 camera ..... Any recommendations for those of us who like to just point and shoot?. Remember the crop factor in your camera when looking at the lenses. https://en.wikipedia.org/wiki/Crop_factor I looked up the D5100 and it has 16.2 million pixels and if has a crop factor of 1.5...
by tibbitts
Tue Jun 16, 2015 7:12 pm
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 7919

Re: Best "All Around Lens" for Nikon DSLRs?

I just suggested that a new Nikon owner, who bought a 7100 body but no lens, buy a 16-300 Tamron, and I think that's really the only option for people who don't want to change lenses. I'm not sure what the actual measured focal lengths of the various zooms are, but assuming the claimed lengths are c...
by tibbitts
Tue Jun 16, 2015 5:30 pm
Forum: Investing - Theory, News & General
Topic: Vanguard announces plans for money market fund lineup
Replies: 15
Views: 3038

Re: Vanguard announces plans for money market fund lineup

hicabob wrote:I wonder if the interest rates will be competitive with Ally and the like or more like the .01% TD Ameritrade money market funds?

I don't see any reason why this would result in any change in rates from current levels.
by tibbitts
Mon Jun 15, 2015 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: Travel insurance - worth it?
Replies: 44
Views: 3547

Re: Travel insurance - worth it?

Particularly on a cruise, but with any foreign trip, you probably want evacuation insurance. It would be nice if you could have medical insurance that would cover the difference between what if any your insurance would pay and the actual charges, but, being by definition out of network, there is no ...
by tibbitts
Sun Jun 14, 2015 8:13 pm
Forum: Personal Consumer Issues
Topic: Steering Wheel Cover - Making an Old Car Feel New?
Replies: 23
Views: 2250

Re: Steering Wheel Cover - Making an Old Car Feel New?

IMO this is an entirely the wrong way to look at things. Some facts: 1. Your household is not your in-laws household, 2. Your household is not your in-laws household, 3. Your household is not your in-laws household. If your wife wants to continue to live by the rules of your in-laws, you can tell h...
by tibbitts
Sun Jun 14, 2015 7:57 pm
Forum: Personal Consumer Issues
Topic: Steering Wheel Cover - Making an Old Car Feel New?
Replies: 23
Views: 2250

Re: Steering Wheel Cover - Making an Old Car Feel New?

Okay. Have you ever replaced a whole steering wheel? Or are you a person who doesn't keep cars long and you are guessing about what other people do? (Not being snarky. Trying to understand your perspective.) My perspective is that of owning a model similar to one that was recalled for the exact pro...
by tibbitts
Sun Jun 14, 2015 7:25 pm
Forum: Personal Consumer Issues
Topic: Plumber question
Replies: 28
Views: 3491

Re: Plumber question

Also where do you find your trade people? Yelp? Friends? Friends, with caution online reviews, checking the BBB website for complaint history. Mostly it's trial and error. I went through 2-3 plumbers before I found the good ones I currently use. I think it took 2 tries to find a electrician I'm com...
by tibbitts
Sun Jun 14, 2015 3:16 pm
Forum: Investing - Theory, News & General
Topic: Why High Equity Allocation in Retirement
Replies: 78
Views: 9736

Re: Why High Equity Allocation in Retirement

It's really amazing how the conversations on this forum have evolved in the past few years. At the depth of the downturn, there was very little bravado, very little talk of 100% equity. We had the "age in bonds, <= 50% equity" discussions. There were complaints that VG had doubled-down on...
by tibbitts
Sun Jun 14, 2015 12:28 pm
Forum: Investing - Theory, News & General
Topic: Why High Equity Allocation in Retirement
Replies: 78
Views: 9736

Re: Why High Equity Allocation in Retirement

It's really amazing how the conversations on this forum have evolved in the past few years. At the depth of the downturn, there was very little bravado, very little talk of 100% equity. We had the "age in bonds, <= 50% equity" discussions. There were complaints that VG had doubled-down on ...
by tibbitts
Sun Jun 14, 2015 11:52 am
Forum: Personal Consumer Issues
Topic: Steering Wheel Cover - Making an Old Car Feel New?
Replies: 23
Views: 2250

Re: Steering Wheel Cover - Making an Old Car Feel New?

The way you fix a peeling steering wheel surface is extremely simple: you replace the steering wheel. Some brands have had recalls for this problem, and that has been the remedy, not some sort of "steering wheel repair." You criticized your in-laws for not fixing their cars, so here's your...
by tibbitts
Sun Jun 14, 2015 11:28 am
Forum: Personal Consumer Issues
Topic: Plumber question
Replies: 28
Views: 3491

Re: Plumber question

Also where do you find your trade people? Yelp? Friends? Friends, with caution online reviews, checking the BBB website for complaint history. Mostly it's trial and error. I went through 2-3 plumbers before I found the good ones I currently use. I think it took 2 tries to find a electrician I'm com...
by tibbitts
Sat Jun 13, 2015 11:53 pm
Forum: Personal Consumer Issues
Topic: Plumber question
Replies: 28
Views: 3491

Re: Plumber question

Presumably the installation passed inspection two years ago, so I'm not sure you'll get too far with the plumber. Our water heater failed inspection when it was installed a number of years ago, so the city contacted the plumber and had him correct the work - although the plumber didn't completely ag...
by tibbitts
Sat Jun 13, 2015 12:03 pm
Forum: Investing - Theory, News & General
Topic: Wellington & Wellesley
Replies: 60
Views: 8610

Re: Wellington & Wellesley

...... It's just not logical to assume that W&W are somehow immune from, or even are less likely to suffer, the same fate. I never suggested or assumed that they are immune from losses. Pls don't put words into my mouth. I didn't mean "fate" as in immune from losses; I meant immune fr...
by tibbitts
Sat Jun 13, 2015 11:06 am
Forum: Investing - Theory, News & General
Topic: Wellington & Wellesley
Replies: 60
Views: 8610

Re: Wellington & Wellesley

Personally, I like Wellesley and Wellington, as I'm retired and not trying to "Swing for the Fences". Looking at their track record, for over a decade, I'll just put this link up for you. I, and others are happy with 5-9% returns on average. Hopefully, those who are young, and swinging fo...
by tibbitts
Sat Jun 13, 2015 12:06 am
Forum: Investing - Theory, News & General
Topic: Wellington & Wellesley
Replies: 60
Views: 8610

Re: Wellington & Wellesley

Let's look--philosophically, as it were--at the truism (and SEC boilerplate) that says/warns/ cautions: "that a fund's past performance does not necessarily predict future results." Why is it required by the SEC? Can we agree that it's there because a fund's past performance is not necess...
by tibbitts
Thu Jun 11, 2015 5:39 pm
Forum: Investing - Theory, News & General
Topic: Wellington & Wellesley
Replies: 60
Views: 8610

Re: Wellington & Wellesley

Taylor responded to another poster's question-- " So, why are Wellington and Wellesley funds different from all other Vanguard active funds?" -- with the following comment: " Bogleheads are not all immune to "past performance." As a longtime poster at Bogleheads and admirer...
by tibbitts
Mon Jun 08, 2015 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Independent Contracting job vs Salaried jobs.
Replies: 33
Views: 3105

Re: Independent Contracting job vs Salaried jobs.

Stop, there is some bad advice above regarding appropriate comparison regarding percent. This is not a percent question because wages differ, as the benefits will have a peak as an employee. What you really need to evaluate is the actual cost of the benefits then compare between the two. The value ...
by tibbitts
Mon Jun 08, 2015 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Independent Contracting job vs Salaried jobs.
Replies: 33
Views: 3105

Re: Independent Contracting job vs Salaried jobs.

Greetings, new to this site, but I already see there is a ton of information. I had a question from the more experienced folk out there, including MD's. I have two job offers and am kind of stuck deciding between a salaried W2 and an independent contracting job. As expected the independent contract...

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