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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: 537

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: 18
Views: 1395

Re: My deployed soldier is coming home!

My 20 year old son is coming home in 28 days after being deployed for 9 months somewhere fighting ISIS. He would like to invest around $50k when he comes home. That's fantastic; the military has changed from when I was in. After 13 month of overseas duty I brought back $6,654.49 in today's dollars....
by tibbitts
Sat Mar 28, 2015 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: My deployed soldier is coming home!
Replies: 22
Views: 2119

Re: Vanguard Windsor II Fund

Hello everyone, If this fund has been discussed, I couldn't find the thread amongst the first few pages of topics. I have owned Windsor II for approx 15 years and, by far, it has been the poorest performer among my Vanguard holdings. My other holdings originated around the same time and the bulk of...
by tibbitts
Mon Mar 23, 2015 7:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Windsor II Fund
Replies: 11
Views: 1835

Re: Who should be concerned?

I am more concerned by the fact that they keep changing the target date funds. If one wanted active management, there are other funds for that. A passive, fixed glide path should stay the same because these are set it and forget it mutual funds. Adding international bonds was the move that concerne...
by tibbitts
Sun Mar 22, 2015 6:40 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 219
Views: 17373

Re: External Hard Drive?

The practicality of cloud storage depends on the speed of your internet connection and how much data you have. A challenge of any cloud storage for most people is that first sync, or subsequent large transfers. What's practical for a business to do with a fast connection isn't necessarily practical ...
by tibbitts
Sun Mar 22, 2015 10:04 am
 
Forum: Personal Consumer Issues
Topic: External Hard Drive?
Replies: 44
Views: 2307

Re: Whats a good Pistol to buy?

The OP didn't specifically say, but "self-defense" could mean from humans, or from animals, or both. The responses might have been completely different if including the animal scenario. Some firearms that may be very effective on humans may not be so effective on large animals.
by tibbitts
Sat Mar 21, 2015 10:37 am
 
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 109
Views: 7747

Re: Whats a good Pistol to buy?

It seems like among RVers, shotguns are the preferred self-defense weapon, for a variety of reasons. You might ask over on RV.net, since some of the considerations are somewhat RV/travel-specific.
by tibbitts
Fri Mar 20, 2015 11:00 pm
 
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 109
Views: 7747

Re: CPA, CFP, CFA, MBA - all needed to be a financial advise

Obviously, you're already aware that all those qualifications aren't needed, so there's no point in addressing that. It sounds like you're trying to talk yourself out of using this person, but what are your concerns? Maybe that you should be able to find a cheaper DFA salesperson elsewhere?
by tibbitts
Thu Mar 19, 2015 8:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: CPA, CFP, CFA, MBA - all needed to be a financial adviser?
Replies: 19
Views: 1287

Re: master bath remodel: return on investment?

Based on the HGTV shows I see, you should be able to upgrade the bathroom, repaint the whole house, put in all new wood floors, paint the kitchen cabinets, and install granite for $35k. Increased value of house = $50k . :confused I agree, the HGTV costs are a third to a half of retail prices. How d...
by tibbitts
Thu Mar 19, 2015 7:46 am
 
Forum: Personal Finance (Not Investing)
Topic: master bath remodel: return on investment?
Replies: 42
Views: 2819

Re: Cruise.Com Bait and Switch Tactics

It's interesting that costco offers low fares on NCL, although with costco being a 400 miles round trip for me, I'd want some evidence of the discount amounts before joining just for that, so if they won't divulge that on the phone... no costco for me. I usually buy the next-to-cheapest cabins, and ...
by tibbitts
Sun Mar 15, 2015 3:55 pm
 
Forum: Personal Consumer Issues
Topic: Cruise.Com Bait and Switch Tactics
Replies: 28
Views: 2949

Re: Too many people using index funds?

To some degree, as more investors abandon value based investing, the "efficiency" of the markets must be compromised. The question is just a matter of degree and timing. There has never been any consensus, except to some limited extent on this forum and in academia, that value investing i...
by tibbitts
Sun Mar 15, 2015 1:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Too many people using index funds?
Replies: 38
Views: 5816

Re: Advice needed (work/bonus/career advice)

If it isn't then maybe it is time for some self-reflection. I really have no issue with the work or industry. I just find fault with being forced to finance part of the travel I am forced to do. I think cab fare is fairly a reasonable expectation and should not be a fight over being expensed. Altho...
by tibbitts
Sun Mar 15, 2015 9:53 am
 
Forum: Personal Consumer Issues
Topic: Advice needed (work/bonus/career advice)
Replies: 38
Views: 1568

Re: Decision process to keep credit card after initial bonus

I'll probably renew my United card that I got last May for one more year. I'd planned to use it for one trip where the fee would have been paid for by the baggage fees, but it turned out not to be the optimal routing for that trip this year vs. last year. I have multiple business cards with primary ...
by tibbitts
Sun Mar 15, 2015 9:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Decision process to keep credit card after initial bonus
Replies: 6
Views: 693

Re: Advice needed (work/bonus/career advice)

Would you resign and then force your old company to pay you the bonus? Unless I missed something, or you resort to tactics that probably aren't ethical and may not even be legal, you have zero leverage and so won't be "forcing" anyone to pay you a bonus. On the other hand, you could try a...
by tibbitts
Sat Mar 14, 2015 9:03 pm
 
Forum: Personal Consumer Issues
Topic: Advice needed (work/bonus/career advice)
Replies: 38
Views: 1568

Re: Friend Leased A Car With Free Maintenance Now Dealer Gon

In the first 30000 miles of a new car's life they need surprisingly little maintenance. Maybe a few oil changes. My wife's car needs its oil changed every 15,000 miles. Are you familiar with the return process for a leased car? If you are, you shouldn't worry too much about this. In the future, don...
by tibbitts
Sat Mar 14, 2015 5:15 pm
 
Forum: Personal Consumer Issues
Topic: Friend Leased A Car With Free Maintenance Now Dealer Gone
Replies: 9
Views: 1699

Re: Help teacher with pension decision

You mentioned 2.5% inflation, but many public pensions have already or are considering retroactively eliminating colas (including for existing retirees), in which case you'd be frozen at a benefit amount in today's nominal dollars. Are you saying there is no cola, or there is and that despite that, ...
by tibbitts
Sat Mar 14, 2015 4:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help teacher with pension decision
Replies: 9
Views: 1134

Re: Friend Leased A Car With Free Maintenance Now Dealer Gon

I know of someone in a similar situation and the offer was purely a dealership offer - had nothing to do with the manufacturer - so there was no recourse, other than to become part of the bankruptcy I suppose. I'm guessing "free maintenance" holders would be pretty far down the list for be...
by tibbitts
Sat Mar 14, 2015 3:44 pm
 
Forum: Personal Consumer Issues
Topic: Friend Leased A Car With Free Maintenance Now Dealer Gone
Replies: 9
Views: 1699

Re: Wealthy cardholders prefer cash-back rewards

It's not unusual to have a signup bonus for 50k miles, and not unusual for the only FF tickets available (at least for non-elite customers) to be 50k miles, often first class. Admittedly that fare would be more than $400, but the fact is that I wouldn't pay dollars for first class, so really the on...
by tibbitts
Thu Mar 12, 2015 8:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wealthy cardholders prefer cash-back rewards
Replies: 33
Views: 4201

Re: Finra raps UBS, Vanguard with fines totaling $850,000

MKP wrote:
ShiftF5 wrote:Ouch.


they wont even notice $350K.

I completely disagree. This is a major disaster for vanguard and hurts every vanguard customer.
by tibbitts
Thu Mar 12, 2015 6:19 pm
 
Forum: Investing - Theory, News & General
Topic: Finra raps UBS, Vanguard with fines totaling $850,000
Replies: 23
Views: 2745

Re: Fly or drive?

If the destinations are equally desirable, I'd do the 750mi in 4 days round trip. If your car isn't suitable for a long trip, you could rent one.

Driving is enjoyable if you can see sights along the way.
by tibbitts
Mon Mar 09, 2015 7:37 pm
 
Forum: Personal Consumer Issues
Topic: Fly or drive?
Replies: 84
Views: 4578

Re: Fly or drive?

With driving, there is the risk of speeding tickets which in turn may cause an increase in auto insurance premiums (may be state dependent). I drive with a Garmin Nuvi GPS. GPS units like Garmin can warn if you're speeding but in my numerous trips across the country I have noticed that the GPS spee...
by tibbitts
Mon Mar 09, 2015 6:46 pm
 
Forum: Personal Consumer Issues
Topic: Fly or drive?
Replies: 84
Views: 4578

Re: Wealthy cardholders prefer cash-back rewards

I used to prefer cash back until I did some more research on airline/hotel rewards. Really the only way you come out better with cash back is if you do not travel at all. The potential return is exponentially greater with travel rewards. You're really just getting pennies back with cash back in com...
by tibbitts
Mon Mar 09, 2015 6:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wealthy cardholders prefer cash-back rewards
Replies: 33
Views: 4201

Re: Wealthy cardholders prefer cash-back rewards

I used to prefer cash back until I did some more research on airline/hotel rewards. Really the only way you come out better with cash back is if you do not travel at all. The potential return is exponentially greater with travel rewards. You're really just getting pennies back with cash back in com...
by tibbitts
Mon Mar 09, 2015 7:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Wealthy cardholders prefer cash-back rewards
Replies: 33
Views: 4201

Re: Bonds, REITs, Utilities, Commodities and Stocks down - W

The high yield bond fund went from 6.05 to 6.04. Oh, the horror! lol During the financial crises, the high yield bond fund dropped under $4.00 a share. True, but by the end of 2009, the NAV was back up to 5.47, and the total return in 2009 was 39.09%. I'm sure you would agree with me that a true Bo...
by tibbitts
Sat Mar 07, 2015 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds, REITs, Utilities, Commodities and Stocks down - Wow
Replies: 66
Views: 4283

Re: interest rate increase looming. what you gonna do ?

mk1039 wrote:with interest rate expected to increase this year, what should be the strategy to handle that while our money is sitting in etfs/stocks ?

What did you do in 2010 when rates were supposed to increase? 2011? 2012? 2013? 2014?
by tibbitts
Sat Mar 07, 2015 12:30 pm
 
Forum: Investing - Theory, News & General
Topic: interest rate increase looming. what you gonna do ?
Replies: 65
Views: 6215

Re: What's with VG Complaints???

When considering comments in this thread, particularly "I've been with VG for many years...", remember that some of us who've been around a while have a MF account, not a brokerage account. Probably they'll all be brokerage accounts one day, but definitely not yet. I had a MF account at Fi...
by tibbitts
Sat Mar 07, 2015 12:28 pm
 
Forum: Investing - Theory, News & General
Topic: What's with VG Complaints???
Replies: 42
Views: 3205

Re: Does My Daughter Need A Prenup?

I wonder if I am shirking my "family CFO" duties by not addressing this. Newsflash: you became the ex-CFO a while ago, at least when it comes to your daughter. You have the ability to restrict any inheritance she receives with a trust or similar mechanism if you choose, so concentrate on ...
by tibbitts
Fri Mar 06, 2015 8:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Does My Daughter Need A Prenup?
Replies: 175
Views: 5829

Re: Too late to invest in Health Care Fund?

My suggestion is to quantify your "too high" instincts and then buy at the level you feel would be comfortable - understanding that the fund may never reach that level again. Remember that with funds, the "level" has nothing to do with share price, but relates to total return. Yo...
by tibbitts
Fri Mar 06, 2015 8:49 am
 
Forum: Investing - Theory, News & General
Topic: Too late to invest in Health Care Fund?
Replies: 7
Views: 791

Re: Good career for woman mid 30's?

Thank you for all the comments so far. I do not want to go to a trade/vocational school because I am a licensed hair stylist. I don't do hair full time because the hours and benefits are not so good as I have young children. I may do hair again after I have enough credits to retire. I am at my curr...
by tibbitts
Thu Mar 05, 2015 11:29 pm
 
Forum: Personal Consumer Issues
Topic: Good career for woman mid 30's?
Replies: 34
Views: 3596

Re: Good career for woman mid 30's?

I'm going to disagree with most of the comments in this thread. First, $43k for a file clerk in your 30s with no college degree is pretty amazing. Lots of people with 2 or even 4-yr degrees are earning what you earn or less. You should look at your job carefully and evaluate what you like or don't a...
by tibbitts
Thu Mar 05, 2015 7:02 pm
 
Forum: Personal Consumer Issues
Topic: Good career for woman mid 30's?
Replies: 34
Views: 3596

Re: Car Repair [Maintenance vs. repair costs]

I can't say DIY has been as bad for me timewise. Initially I think I might have taken up to 5-times longer than a mechanic, but once you do enough and get into a rhythm, fixes/replacements in general move faster. At this point it would take me longer to drop off my car at a mechanic head back when ...
by tibbitts
Wed Mar 04, 2015 10:58 pm
 
Forum: Personal Consumer Issues
Topic: Car Repair [Maintenance vs. repair costs]
Replies: 20
Views: 2184

Re: Car Repair [Maintenance vs. repair costs]

I'm going to mostly disagree with the posts encouraging d-i-y repairs. It's fine if auto mechanics is your hobby, but if your hobbies also include lawn care, landscaping, plumbing, hvac, carpentry, flooring, electrical, appliance repair, drywall, siding/painting, etc., at some point you have to pick...
by tibbitts
Wed Mar 04, 2015 6:47 pm
 
Forum: Personal Consumer Issues
Topic: Car Repair [Maintenance vs. repair costs]
Replies: 20
Views: 2184

Re: More intl exposure in Life Strategy Growth - drop out of

Whose idea was the choice of a LS fund for a $25k lump sum in a taxable account in the first place? That's what was left over after maxing out her 401(k) and IRAs. It was probably a reasonable choice to max out the retirement accounts, but a balanced fund in a taxable account (given $25k) is usuall...
by tibbitts
Mon Mar 02, 2015 8:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: More intl exposure in Life Strategy Growth - drop out of it?
Replies: 17
Views: 1688

Re: More intl exposure in Life Strategy Growth - drop out of

Whose idea was the choice of a LS fund for a $25k lump sum in a taxable account in the first place?
by tibbitts
Mon Mar 02, 2015 7:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: More intl exposure in Life Strategy Growth - drop out of it?
Replies: 17
Views: 1688

Re: Car Repair [Maintenance vs. repair costs]

I think you are looking at 2 separate issues- First, normal maintenance costs which must be done at the specified intervals. Those costs are known in advance, so you can predict what's needed. Second, repair costs. I'm thinking a repair is something that needs to be done due to 1) lack of maintenan...
by tibbitts
Mon Mar 02, 2015 8:59 am
 
Forum: Personal Consumer Issues
Topic: Car Repair [Maintenance vs. repair costs]
Replies: 20
Views: 2184

Re: Has anyone ever voluntarily downsized their job?

I think for 98% of employees, downsizing is not an option. I'm sure a higher percentage of people on this forum would be able to downsize, due to unique skills or qualifications. But for the population in general, it's just not an option, because they're commodities, and their employers will just re...
by tibbitts
Sun Mar 01, 2015 1:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Has anyone ever voluntarily downsized their job?
Replies: 32
Views: 2850

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: 2876

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: 23
Views: 1152

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: 58
Views: 9132

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: 32
Views: 2554

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: 58
Views: 9132

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: 3419

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: 1010

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: 1010

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: 1010

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: 65
Views: 4240

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: 1746

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: 6946

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: 3586
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