Search found 5527 matches

by tibbitts
Sat Jul 25, 2015 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Protection against stock correctiom
Replies: 25
Views: 2435

Re: Protection against stock correctiom

For the sake of argument, let us say that it is just a matter of time before a correction (i.e., at least 10%). Has anyone done research on the type of stocks that would provide highest protection relative to the total market? High quality, minimum volatility? I haven't, but I think it will matter ...
by tibbitts
Fri Jul 24, 2015 11:48 pm
Forum: Investing - Help with Personal Investments
Topic: Do I dump the Vanguard energy Fund in my 401k
Replies: 32
Views: 2812

Re: Do I dump the Vanguard energy Fund in my 401k

I don't agree with most of the responses, because it depends on what you've done with the rest of your investments. The energy fund is fairly diversified internationally, and if your had originally gone the route of having an energy fund along with other sector funds, I'm not sure you're that much w...
by tibbitts
Mon Jul 20, 2015 10:14 pm
Forum: Investing - Theory, News & General
Topic: Wellesley Fund lagging?
Replies: 5
Views: 1094

Re: Wellesley Fund lagging?

The Wellesley fund doesn't seem to be having a very good year so far, what's the views on it's future and where it's troubles are? You have to expect a year, or two, or ten, of underperformance vs. an appropriate benchmark from time to time, and you'll never be able to predict exactly when that und...
by tibbitts
Mon Jul 20, 2015 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Military career or Top MBA
Replies: 37
Views: 3652

Re: Military career or Top MBA

I don't have any direct experience, but certainly wouldn't feel confident that your job in the military will be secure, or that the current pension terms will necessarily apply to you. So I'd call the security aspects a draw, and decide based on other considerations. I'm not sure you'll find a lot o...
by tibbitts
Mon Jul 20, 2015 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Lucent offering pension buyout to retirees: what to do?
Replies: 78
Views: 10972

Re: Lucent offering pension buyout to retirees: what to do?

I'm unfamiliar with "sexless" annuities outside of employer pension plans. You seem to be saying that because you have a TSP account, you can add a lump sum to it and then annuitize that amount in a "sexless" annuity? Outside of employer pension plans, are there other providers o...
by tibbitts
Sun Jul 19, 2015 7:17 pm
Forum: Investing - Theory, News & General
Topic: What 2008/09 has done to me
Replies: 158
Views: 18713

Re: What 2008/09 has done to me

This is a good reminder that even young investors may not want to "get down on their knees and pray for a long, brutal bear market", unless their employment prospects are very secure. Kevin Did someone actually say that people should hope for a long brutal bear market? Lemme guess--a bank...
by tibbitts
Sun Jul 19, 2015 11:26 am
Forum: Personal Finance (Not Investing)
Topic: 60K Car Maintenance Service = $600. Is this Reasonable?
Replies: 48
Views: 3850

Re: 60K Car Maintenance Service = $600. Is this Reasonable?

All of this paranoia over the "stealership" is a little over the top. The "independent mechanic" has one incentive only--to sell you repairs. With the dealership, yes they want to sell you repairs but they also don't want you to think that the particular type of cars they sell a...
by tibbitts
Sun Jul 19, 2015 10:20 am
Forum: Investing - Theory, News & General
Topic: What 2008/09 has done to me
Replies: 158
Views: 18713

Re: What 2008/09 has done to me

It's important to point out that, for all the complaints corporate employment, self-employment as a contractor or other service provider may not provide protection against the effects of an economic downturn. My business had multiple customers, as diversified as possible given the nature of the busi...
by tibbitts
Sat Jul 18, 2015 11:47 am
Forum: Personal Consumer Issues
Topic: DIY auto air conditioner recharge
Replies: 22
Views: 1732

Re: DIY auto air conditioner recharge

Has anyone had experience recharging their auto air conditioner themselves. I see there are cans of refrigerant available with a gage and filling tube attached, and a connector, and it looks like it would be relatively simple. Anything in particular that I should be careful of if I decide to do thi...
by tibbitts
Tue Jul 14, 2015 7:59 am
Forum: Personal Consumer Issues
Topic: Is it difficult to transfer website to different hosting company?
Replies: 25
Views: 1363

Re: Is it difficult to transfer website to different hosting company?

Here's the problem with hosting, these behemoth hosting companies like Dreamhost, Godaddy etc host your website on overloaded shared servers that can sometimes have over 3,000 sites on them. Smaller hosting companies may not do that, possibly not because they're somehow altruistic, but because they...
by tibbitts
Sun Jul 12, 2015 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Have $ to invest...Too risky to get into equities now?
Replies: 33
Views: 2507

Re: Have $ to invest...Too risky to get into equities now?

I know this is a market timing question, but here goes. I have established a large emergency fund so I am covered at that end. I now some some extra cash sitting in a 1%MMA ...approximately $60K, due to a recent windfall. I am 45 years of age, so I have at least 15 years until retirement. My curren...
by tibbitts
Sun Jul 12, 2015 9:02 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to transfer website to different hosting company?
Replies: 25
Views: 1363

Re: Is it difficult to transfer website to different hosting company?

I own a web design firm. To answer your question: 1.) Find your new hosting company. Open an account. 2.) Download your current hosting files from Godaddy. Usually you do this with FTP or a file manager. If it's a site with simple HTML, CSS, and images, you don't have to worry about a database. If ...
by tibbitts
Sun Jul 12, 2015 8:10 pm
Forum: Personal Consumer Issues
Topic: Selling a used car
Replies: 27
Views: 2156

Re: Selling a used car

I have a 2010 Hyundai Sonata with low mileage and in good shape. I bought it new for my daughter and she has not driven it a lot since she is away in college. Blue book is about 11.5K..I am thinking of selling between 10.5K-11K. We want to sell it. Whats the best way? Craigslist is an obvious place...
by tibbitts
Sun Jul 12, 2015 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Travel insurance - worth it?
Replies: 50
Views: 4405

Re: Travel insurance - worth it?

Many travel credit cards like the Citi Prestige, Amex Plat, and Chase Sapphire Preferred have these same benefits baked in. The Sapphire only has a $95 annual fee. The others have much higher fees, but will also rebate for travel expenses (Prestige will rebate up to $250 in airfare) and cover Globa...
by tibbitts
Sun Jul 12, 2015 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking Financial Advisor Career Advice
Replies: 5
Views: 660

Re: Seeking Financial Advisor Career Advice

This question comes up periodically so you should search for those discussions. 98% of the opportunities in the field are 98% sales, and 98% of those sales are cold-call sales. So you have to really, really want to do that. Everybody has an image of sitting behind a desk and having somebody feeding ...
by tibbitts
Sun Jul 12, 2015 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: 22 years old want to do rental properties
Replies: 35
Views: 3693

Re: 22 years old want to do rental properties

Thanks everyone. A lot of solid advice here, but my plan was only to hire a property manager for scaling purposes. I'm jumping the gun here in my head. I have been busy and don't think I can finance a house right now unfortunately... I thought I could make as a rags to riches story. I have research...
by tibbitts
Sat Jul 11, 2015 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: A Career in Golf?
Replies: 22
Views: 2442

Re: A Career in Golf?

Then there was the friend who spent close to 17 years in the minors, parts of three seasons in the majors ... Even though he barely made enough to fees his family, "next year" would be different. We have to remember that outside of this forum, most people barely make enough to feed their ...
by tibbitts
Sat Jul 11, 2015 11:00 am
Forum: Personal Consumer Issues
Topic: Replacing central AC-is it necessary to replace to refrigerant line?
Replies: 19
Views: 1183

Re: Replacing central AC-is it necessary to replace to refrigerant line?

... (our unit has leaked multiple times in eight years, although the lines are all exposed, making it relatively easy to detect leaks.) Can you tell us if the leaks are from workmanship or from the brand of parts? If the latter, let us know what to avoid. I live in South Texas and have two AC units...
by tibbitts
Sat Jul 11, 2015 10:26 am
Forum: Personal Consumer Issues
Topic: Replacing central AC-is it necessary to replace to refrigerant line?
Replies: 19
Views: 1183

Re: Replacing central AC-is it necessary to replace to refrigerant line?

You would need to check the manufacturer website to see if the diameter is correct for the new system. In our case the newer refrigerant required larger capacity lines. It might have worked to some extent with the old lines, but maybe not. You could probably run the lines in a conduit or bulkhead if...
by tibbitts
Sun Jul 05, 2015 9:59 pm
Forum: Personal Consumer Issues
Topic: Camera Experts Wanted
Replies: 36
Views: 2135

Re: Camera Experts Wanted

As a reminder, I specifically stated at the outset that I do not want another DSLR - too much bulk for me, and I'd like as much zoom capability as is practical to achieve without having to swop out lenses. Is "optical zoom" still preferable to "digital zoom"? I mentioned some of...
by tibbitts
Sun Jul 05, 2015 4:43 pm
Forum: Personal Consumer Issues
Topic: Camera Experts Wanted
Replies: 36
Views: 2135

Re: Camera Experts Wanted

As a reminder, I specifically stated at the outset that I do not want another DSLR - too much bulk for me, and I'd like as much zoom capability as is practical to achieve without having to swop out lenses. Is "optical zoom" still preferable to "digital zoom"? I mentioned some of...
by tibbitts
Sun Jul 05, 2015 10:21 am
Forum: Personal Consumer Issues
Topic: Camera Experts Wanted
Replies: 36
Views: 2135

Re: Camera Experts Wanted

My thoughts: 1. Don't settle for a camera without a viewfinder. 2. For a fixed lens camera look for a 24/25mm wide-end, not 28mm. 3. If you get a camera that offers raw, select raw+jpg. Storage is cheap and you can't go back and recreate raw if you decide you want it later, maybe years from now. I s...
by tibbitts
Fri Jul 03, 2015 2:06 pm
Forum: Personal Consumer Issues
Topic: Purchase '98 Toyota Camry?
Replies: 28
Views: 2694

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: 32
Views: 3671

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: 6310

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: 12453

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: 4735

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: 1168

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: 53
Views: 6018

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: 4928

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: 12453

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: 2570

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: 2570

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: 8372

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: 8372

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: 8372

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: 8372

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: 1371

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: 8372

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: 2883

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: 2883

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: 2883

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: 6439

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: 2883

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: 2883

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: 2835

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: 3302

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: 6439

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: 2883

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: 12453

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...

Go to advanced search