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by tibbitts
Mon May 25, 2015 8:18 pm
Forum: Personal Consumer Issues
Topic: Best way to re-key locks on new house?
Replies: 14
Views: 632

Re: Best way to re-key locks on new house?

I think the ease of DIY is being exaggerated here somewhat. You need to be aware that not all locks use the same size door hole, so you can't necessarily just buy any new lock and plop it in the same openings that the old lock used. I ran into this with multiple locks I've replaced myself. Enlarging...
by tibbitts
Mon May 25, 2015 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Citi Double Cash Card
Replies: 29
Views: 3741

Re: Question about Citi Double Cash Card

Is it true that if you pay off your entire balance right away every month, you won't get the full 2% cash back? What I have read is that if you pay off a purchase before it appears on the next statement, (i.e. unnecessarily early payoff) you could miss out on that second 1%. Search for "purcha...
by tibbitts
Mon May 25, 2015 12:38 pm
Forum: Personal Consumer Issues
Topic: Any solo retired RVer's out there?
Replies: 27
Views: 2187

Re: Any solo retired RVer's out there?

I traveled by myself with a medium-sized travel trailer for a month or so. If you don't have experience with RV, it's important to understand how important size is. My total vehicle was about 44ft long, which isn't long by trailer standards, but was long enough to be seriously irritating. It was 7.5...
by tibbitts
Mon May 25, 2015 12:18 pm
Forum: Personal Consumer Issues
Topic: Just bought new car, should I buy extended warranty?
Replies: 29
Views: 1068

Re: Just bought new car, should I buy extended warranty?

... So, I decided to try something brand new and was not too certain about the reliability of Hyundais. Well, I decided to purchase the "no deductible" plan and it turned out to be a very wise decision.... To each his own I guess. But if I was concerned about the reliability of a vehicle ...
by tibbitts
Mon May 25, 2015 12:06 pm
Forum: Personal Consumer Issues
Topic: Just bought new car, should I buy extended warranty?
Replies: 29
Views: 1068

Re: Just bought new car, should I buy extended warranty?

If you go through life never buying extended warranties or trip insurance for anything you'll be tens of thousands of dollars ahead as a result. Gill I'm not sure about trip insurance. With a vehicle, the potential damage is usually more limited than with something like medical evacuation, and is m...
by tibbitts
Mon May 25, 2015 11:53 am
Forum: Personal Consumer Issues
Topic: Just bought new car, should I buy extended warranty?
Replies: 29
Views: 1068

Re: Just bought new car, should I buy extended warranty?

I have a different opinion regarding an extended warranty on Hyundai vehicles. First of all, I do not believe in buying extended warranties on anything. However, I decided to buy an extended warranty a few years ago when I bought a Hyundai vehicle for the first time in my life. Before that, I owned...
by tibbitts
Mon May 25, 2015 11:10 am
Forum: Personal Consumer Issues
Topic: Just bought new car, should I buy extended warranty?
Replies: 29
Views: 1068

Re: Just bought new car, should I buy extended warranty?

We just bought a new Hyundai Genesis. Dealer recommends we buy the extended warranty which would take the 3 year bumper to bumper warranty out to 10 years. Cost is $1495. What do bogleheads think? I didn't think Hyundai had a 3yr bumper-to-bumper warranty - it has a "new vehicle limited warran...
by tibbitts
Sat May 23, 2015 2:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard implements 20 character passwords
Replies: 65
Views: 10417

Re: Vanguard implements 20 character passwords

Well, they aren't (yet) accepting correcthorsebatterystaple as a password, but it's still a step in the right direction. This is great news; thanks for letting me know. I'm still going to [complain - admin LadyGeek] . It's a partial fix when the full fix (going to 100+ characters) had almost exactl...
by tibbitts
Wed May 20, 2015 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Would a nervous self investor be better off with Wellington Fund?
Replies: 16
Views: 1612

Re: Would a nervous self investor be better off with Wellington Fund?

Only if a 38% decline in NAV does not affect your state of mind. Wellington dropped that much in value during the 2009 debacle in March. However, it rebounded quite nicely along with the rest of the market. The key is not to panic. Let the managers "manage" the fund, all you have to do is...
by tibbitts
Wed May 20, 2015 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Would a nervous self investor be better off with Wellington Fund?
Replies: 16
Views: 1612

Re: Would a nervous self investor be better off with Wellington Fund?

Only if a 38% decline in NAV does not affect your state of mind. Wellington dropped that much in value during the 2009 debacle in March. However, it rebounded quite nicely along with the rest of the market. The key is not to panic. Let the managers "manage" the fund, all you have to do is...
by tibbitts
Mon May 18, 2015 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Daughter & Husband portfolio rebalance
Replies: 10
Views: 1097

Re: Daughter & Husband portfolio rebalance

If you mean the 7-8% total in MM accounts, sure, you could deploy that across the rest of the investments, and that would probably be a good idea, since the emergency fund is taken care of Beyond that, if you tweaked and simplified to get the "perfect" allocation in taxable vs. deferred, a...
by tibbitts
Mon May 18, 2015 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's Personal Advisor Recommendations
Replies: 22
Views: 4818

Re: Vanguard's Personal Advisor Recommendations

My advisor recommended a simple 4 fund portfolio with a 90/10 AA based on my age and risk tolerance. My own personal experience suggests that at least their first pass at this 4-fund allocation will be something that pretty much looks like their target date fund for your age group. Does anyone else...
by tibbitts
Mon May 18, 2015 7:49 am
Forum: Investing - Help with Personal Investments
Topic: Daughter & Husband portfolio rebalance
Replies: 10
Views: 1097

Re: Daughter & Husband portfolio rebalance

The key is this: They could do much better than this I am sure, but I don't know how to do it. You aren't going to be doing any rebalancing; your children are (or might be.) In almost all aspects of life, kids could do much better if they just did what parents told them. Or at least that's what pare...
by tibbitts
Mon May 18, 2015 1:09 am
Forum: Investing - Help with Personal Investments
Topic: Tiaa-cref IRA - anything specifically Tiaa-cref worth investing in?
Replies: 12
Views: 1169

Re: Tiaa-cref IRA - anything specifically Tiaa-cref worth investing in?

Bad wonder. The point is that good or bad it's unique --unlike their mutual funds you can't just go and find close equivalents from other companies. But if I were thinking about it now, I would be really concerned that I don't really understand it, and that--in particular--I don't understand the im...
by tibbitts
Sun May 17, 2015 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Tiaa-cref IRA - anything specifically Tiaa-cref worth investing in?
Replies: 12
Views: 1169

Re: Tiaa-cref IRA - anything specifically Tiaa-cref worth investing in?

Good wonder or bad wonder? I will be starting a new job where I will have access to TIAA in 401a/403b/457. I have decided that I am good with the less liquid Trad (currently yielding 3.65%). I also like the Large Cap Value Index (ER 0.06). I am trying to make up my mind about TREA. TIAA Traditional...
by tibbitts
Tue May 05, 2015 7:28 am
Forum: Personal Finance (Not Investing)
Topic: When an enterprising Bogler's not ... [IRA Rollover to Cash to IRA]
Replies: 6
Views: 899

Re: When an enterprising Boglers not a Bogleing......

You should move all the funds money to cash first, then hedge upward market movement. Obviously upward movement is all you care about, since downward movement would be beneficial, as you've discovered. I'm not knowledgeable enough to do that accurately, but I'm sure someone will come along with the ...
by tibbitts
Mon May 04, 2015 7:44 am
Forum: Investing - Help with Personal Investments
Topic: Moving to cash until clear plans formed [formerly Sell in May, Go Away, and Think About It]
Replies: 39
Views: 4052

Re: Sell in May, go away, and think about it?

I don't recommend this strategy,but if you do it, you need to commit to only reentering the market based on some quantitative value that you predetermine. You can make it whatever you want - some index level, PE, PE10, PB, whatever. It has to be quantitative, and a level generally considered "b...
by tibbitts
Sat May 02, 2015 10:25 pm
Forum: Forum Issues and Administration
Topic: Forum is now back ONLINE!
Replies: 45
Views: 1537

Re: Another issue with the new format

I don't understand the issue. The favicon identifies the site; to have the description also do that would be somewhat redundant, no? With lots of tabs open, how much of the description are you seeing anyway? I have only 23 tabs open currently (per browser window) and am only seeing icons, unless I c...
by tibbitts
Sat May 02, 2015 10:49 am
Forum: Investing - Theory, News & General
Topic: Do Active Bond Funds Beat Index Bond Funds?
Replies: 27
Views: 2065

Re: Do Active Bond Funds Beat Index Bond Funds?

When you look at "diversified" bond funds, it's probably difficult to come up with a reasonable benchmark/index, since these funds are a moving target. For bonds like treasuries or the highest grade corporates, it seems to me that any outperformance has to be based on interest rates predic...
by tibbitts
Wed Apr 29, 2015 7:48 am
Forum: Investing - Help with Personal Investments
Topic: High yield bond funds advice????????
Replies: 18
Views: 1573

Re: High yield bond funds advice????????

57 years old. Total portfolio value of $600K invested mainly in Vanguard target date fund. I'm a state employee with limited investment options for my 457 plan with balance of $60K. Currently have it all in a Black Rock 2025 account - expense ratio 0.08% which has earned net of 5.8% over last 10 ye...
by tibbitts
Wed Apr 29, 2015 7:36 am
Forum: Personal Finance (Not Investing)
Topic: S. Corp questions
Replies: 32
Views: 2159

Re: S. Corp questions

To me the main issue is that the new accountant hasn't been able to explain what he's doing in a way you can understand, and seems to be making it out to be some magic formula vs. what you were doing before. I'm not an expert but generally there is no magic formula in this situation. It might be tha...
by tibbitts
Mon Apr 27, 2015 7:28 am
Forum: Personal Consumer Issues
Topic: Another reason NOT to use (free) Wifi
Replies: 53
Views: 6236

Re: Another reason NOT to use (free) Wifi

I'm always surprised that people still expect privacy when dealing with their cell phones. And yet for decades, people used landlines with reasonable degrees of privacy. The cell phone situation/lack of privacy is yet another evidence of the decline and fall of civilization. Seriously? For years, p...
by tibbitts
Sat Apr 25, 2015 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Setting up a corporation for self-employment / tax reduction
Replies: 1
Views: 196

Re: Setting up a corporation for self-employment / tax reduc

Paying yourself as an employee involves additional paperwork, and may involve obtaining unemployment and/or workers comp insurance, depending on state/local regulations. You'll get opinions ranging from that being anywhere from trivial to onerous. Basically if there was some magic self-employment ta...
by tibbitts
Fri Apr 24, 2015 7:58 am
Forum: Investing - Theory, News & General
Topic: Who follows Age in Bonds
Replies: 62
Views: 4755

Re: Who follows Age in Bonds

Given access to, for example, freshly-minted 3.6% ibonds, I think the responses would be a lot different. So really this is showing some recency bias - people looking at negative or break-even real yields on bonds, and coming off a couple of recent severe equity downturns that turned out to be very,...
by tibbitts
Thu Apr 23, 2015 7:59 am
Forum: Personal Consumer Issues
Topic: Broken Oxygen Sensor on Car
Replies: 43
Views: 2908

Re: Broken Oxygen Sensor on Car

We have to be careful about telling people that replacing a particular O2 sensor is "easy." It can be easy or it can extremely difficult, partly depending on luck (even on identical model cars), and partly depending on mechanical skill, tools available, etc. It can require special tools to...
by tibbitts
Mon Apr 20, 2015 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Certified Financial Planner
Replies: 10
Views: 1822

Re: Vanguard Certified Financial Planner

I went through a financial plan with a vanguard CFP. I filled out a long form about assets. I then received a document and set up a web-based discussion with an advisor. It was ok, actually very sound advice that articulates the basic tenets discussed here. It reinforced a number of decisions I had...
by tibbitts
Mon Apr 20, 2015 7:37 am
Forum: Personal Consumer Issues
Topic: Roof shingle selection
Replies: 20
Views: 1897

Re: Roof shingle selection

You're having a section of your roof replaced, so don't you simply want to match the existing shingles as closely as possible? If you want to replace the entire roof, then you have choices. Largely for many people the insurance company involved will narrow down the choice by their list of shingles t...
by tibbitts
Sun Apr 19, 2015 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: My job says I can't work for anyone else...
Replies: 61
Views: 6207

Re: My job says I can't work for anyone else...

I think (again) that many/most responses are wandering far off the course of the original post. That post (as I read it) has NOTHING to do with being bound to a non-compete AFTER leaving an employer. It has all to do with other employment while being employed full time by that employer. It has been...
by tibbitts
Sun Apr 19, 2015 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: My job says I can't work for anyone else...
Replies: 61
Views: 6207

Re: My job says I can't work for anyone else...

I was able to strike out a similar clause in a 1099 contract, and out of maybe 50-100 previous contractors, I was the first person who'd asked to do that. But it was a case that worked in that era; today it wouldn't have happened, for a couple of reasons. Actually, the clause wouldn't have been the...
by tibbitts
Sun Apr 19, 2015 11:37 am
Forum: Personal Finance (Not Investing)
Topic: My job says I can't work for anyone else...
Replies: 61
Views: 6207

Re: My job says I can't work for anyone else...

Never sign a non-compete. To many unforeseen restrictions. As for your current non-compete - consult a lawyer. Different states have different restrictions on how enforceable non-competes are. BTW - why sign a contract and then (seemingly) plan to not abide by it? That's the wrong question to ask. ...
by tibbitts
Sun Apr 19, 2015 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Total Retirement 2045 + Small Cap Value?
Replies: 3
Views: 475

Re: Total Retirement 2045 + Small Cap Value?

Hi, So I have my wife's SEP IRA and my ROTH entirely in Vanguard Retirement 2045. We are both in our early thirties and really just started investing. I like Total Retirement, but have also read that more small cap value (15-20% of the portfolio) would be a smart idea since TR 2045 tends to lack Sm...
by tibbitts
Sun Apr 19, 2015 9:45 am
Forum: Investing - Theory, News & General
Topic: Bernstein: "If you've won the game, stop playing."
Replies: 146
Views: 15433

Re: Bernstein: "If you've won the game, stop playing."

Once the game has been won by accumulating enough safe assets to retire on, it makes little sense to keep playing it, at least with the “number”: the pile of safe assets sufficient to directly provide or indirectly purchase an adequate lifetime income stream. Bogleheads: I am in retirement and I ta...
by tibbitts
Sun Apr 19, 2015 9:13 am
Forum: Personal Finance (Not Investing)
Topic: My job says I can't work for anyone else...
Replies: 61
Views: 6207

Re: My job says I can't work for anyone else...

Never sign a non-compete. To many unforeseen restrictions. As for your current non-compete - consult a lawyer. Different states have different restrictions on how enforceable non-competes are. BTW - why sign a contract and then (seemingly) plan to not abide by it? That's the wrong question to ask. ...
by tibbitts
Sun Apr 19, 2015 12:06 am
Forum: Personal Finance (Not Investing)
Topic: My job says I can't work for anyone else...
Replies: 61
Views: 6207

Re: My job says I can't work for anyone else...

Based on the advice I won't pursue a side job. I don't want to get into a legal battle and I don't want to pay the money at this time to consult a lawyer. But the information is great for the future. As others have mentioned, for a full time gig doctor there is no place that I've come across that w...
by tibbitts
Sat Apr 18, 2015 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford [a masters degree]?
Replies: 38
Views: 2797

Re: Can we afford [a masters degree]?

The OP wasn't asking if the degree was valuable or whether to enroll in the program, just how to pay for it. If the actual price is $40k and that's the least expensive available program, then the question becomes what loans are available and at what rate. If the lowest available rate is a 24% credi...
by tibbitts
Sat Apr 18, 2015 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford [a masters degree]?
Replies: 38
Views: 2797

Re: Can we afford [a masters degree]?

The OP wasn't asking if the degree was valuable or whether to enroll in the program, just how to pay for it. If the actual price is $40k and that's the least expensive available program, then the question becomes what loans are available and at what rate. If the lowest available rate is a 24% credit...
by tibbitts
Sat Apr 18, 2015 11:29 am
Forum: Personal Finance (Not Investing)
Topic: My job says I can't work for anyone else...
Replies: 61
Views: 6207

Re: My job says I can't work for anyone else...

I'm employed as a W2 with my current job as a doc. In the employment contract I signed it says I can't work for another company as a doc while I'm employed with them. I'm wondering, how enforceable is this? Can they fire me if I choose to pursue a side gig? Although this may be somewhat off-topic, ...
by tibbitts
Wed Apr 15, 2015 6:32 pm
Forum: Personal Consumer Issues
Topic: Is 2007 Accord 60K mile service worth $300?
Replies: 54
Views: 4640

Re: Is 2007 Accord 60K mile service worth $300?

I don't know anything about Hondas but I don't understand the 3x flush/fill thing. It seems extremely inefficient and environmentally unfriendly. Shouldn't the pans and converters both have plugs, which would seem likely to allow a high percentage of the old fluid out?
by tibbitts
Tue Apr 14, 2015 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Career and college advice for current HS students
Replies: 34
Views: 2673

Re: Career and college advice for current HS students

I don't believe the community college route is so bad for students who don't know what to do, particularly if they encounter different subjects than they did in high school. They might discover something that interests them, and with a little planning, it's possible to complete a reasonable percent...
by tibbitts
Tue Apr 14, 2015 5:38 pm
Forum: Investing - Theory, News & General
Topic: The Wellington Composite Index
Replies: 9
Views: 1239

Re: The Wellington Composite Index

Vanguard comparing the Wellington Fund to The Wellington Composite Index does in fact seem odd, given that (Webster's) definition of benchmark is " something that can be used as a way to judge the quality or level of other, similar things"; on a few levels, it doesn't seem to add up (incl...
by tibbitts
Mon Apr 13, 2015 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Career and college advice for current HS students
Replies: 34
Views: 2673

Re: Career and college advice for current HS students

I don't believe the community college route is so bad for students who don't know what to do, particularly if they encounter different subjects than they did in high school. They might discover something that interests them, and with a little planning, it's possible to complete a reasonable percenta...
by tibbitts
Mon Apr 13, 2015 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Saving for next car...stash cash in VTSMX?
Replies: 14
Views: 1668

Re: Saving for next car...stash cash in VTSMX?

I don't remember there being any similar conversations on this forum after the market had dropped about 50% and very few people (here or elsewhere) were seeing any light at the end of the tunnel. Nor do I remember any when cash was paying 3% real. What if what drives the next equity collapse is inte...
by tibbitts
Sun Apr 12, 2015 7:09 pm
Forum: Investing - Theory, News & General
Topic: How does a retired person mitigate a Bond Bubble?
Replies: 46
Views: 5909

Re: How does a retired person mitigate a Bond Bubble?

My mom is age 65 and retired. Her pension + SS pays her monthly expenses. Her entire IRA ($300k) is in Vanguard's Target Retirement Income fund (30% stocks/70% Bonds). Would the bond bubble bursting kill her IRA? If not, why not since it's 70% bonds? If so, how to mitigate it? Why isn't she in bank...
by tibbitts
Wed Apr 08, 2015 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Why Buying a *New* Car Makes Sense? Please help!
Replies: 63
Views: 5854

Re: Why Buying a *New* Car Makes Sense? Please help!

You could get a 1 or 2 year old used car and save money without giving up much along the lines of fuel economy or safety. That contradicts what most observations in this thread have been: that for maintstream models, particularly the models that have historically been most favored on this forum, bu...
by tibbitts
Mon Apr 06, 2015 7:57 am
Forum: Personal Consumer Issues
Topic: Should I Buy a Used Motorhome
Replies: 26
Views: 2111

Re: Should I Buy a Used Motorhome

That picture has money pit written all over it! I've thought about traveling the country in retirement and came to the conclusion that a SUV would be the best bet. - Ability to go offload...some National Parks require 4x4 in certain areas - Better MPG - Easier to maneuver - Travel faster The money ...
by tibbitts
Sun Apr 05, 2015 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: T Rowe price
Replies: 8
Views: 1294

Re: T Rowe price

In the '90s I owned many TRP funds, and it was a horrible time for TRP. They were into this growth-at-a-reasonable-price thing in almost all their equity funds, and it just wasn't working, year after year after year. This is an interesting history, but probably not so relevant since those were extr...
by tibbitts
Sun Apr 05, 2015 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: T Rowe price
Replies: 8
Views: 1294

Re: T Rowe price

My first thought isn't about TRP, it's about why you feel compelled to have a brokerage account and buy ETFs vs. mutual funds. Is there some reason for that? It does seem like over time all the MF/brokerages are forcing customers into a single (brokerage) platform, and I kind of understand that fro...
by tibbitts
Sun Apr 05, 2015 12:22 pm
Forum: Personal Consumer Issues
Topic: Home Air Filters
Replies: 44
Views: 3655

Re: Home Air Filters

My two re-usable filters looked similar to these. Maybe if you have a pressure washer they're easy to wash; for me with just a hose, I never got all the clumped dirt (it wasn't clumped until washing, of course) out of the filter.
by tibbitts
Sun Apr 05, 2015 11:08 am
Forum: Personal Consumer Issues
Topic: Should I Buy a Used Motorhome
Replies: 26
Views: 2111

Re: Should I By a Used Motorhome

Why are they selling it? I knew they were thinking about RV's when I saw this on a used car lot last spring and told them about it. They drove over to the dealer lot and bought it. They have used it only locally over the last year. But recently they decided they want to retire much sooner and are t...
by tibbitts
Sun Apr 05, 2015 10:30 am
Forum: Personal Consumer Issues
Topic: Home Air Filters
Replies: 44
Views: 3655

Re: Home Air Filters

How often do you replace them and where do you get them? I've heard that you're suppose to replace them every three months. My house has 4 of them, so if I pay $15 / each that would be $240 / year. You've heard? If you haven't been replacing your filters, ever, how is it possible your hvac is still...

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