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Re: Having my year end review with my manager, what to expec

In my experience, the only way to negotiate a decent raise is to get a counteroffer. That means networking is just as essential as performing your job well and building relevant skills. Always assume megacorp will give you what they think is the minimum bonus/raise to retain you. The downside to ge...
by tibbitts
Fri Dec 19, 2014 8:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Having my year end review with my manager, what to expect?
Replies: 29
Views: 2417

Re: Should I sell my stocks & bonds?

Most EE bonds pay either about 3.5 or 4% if held for 17-20 years, depending on the terms of the bond. And you want to sell them? I wouldn't be that quick to dismiss the two stocks. Maybe they have sentimental value to you. Sure, if you've got a a small fortune sitting in two stocks, that wouldn't be...
by tibbitts
Fri Dec 19, 2014 8:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell my stocks & bonds?
Replies: 7
Views: 679

Re: Vanguard High-Yield Corporate Bond Fund (VWEAX) ?

Anyone have a opinion on how much lower Vanguard High-Yield Corporate Bond Fund (VWEAX) will drop. Its down about 3.5% this year and down about 35 cents from this years high of $6.17. Thanks ! As others have pointed out, the fund is not down YTD. My guess was the fund would have done relatively bet...
by tibbitts
Wed Dec 17, 2014 7:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard High-Yield Corporate Bond Fund (VWEAX) ?
Replies: 15
Views: 1459

Re: Convince Wife About Value of IRA - Good Resources

I am having a very hard time of convincing my wife to invest in tax-benefit account. After a bit of convincing I finally agreed to convince her that we need to max out our employer 401K. Now I am trying to convince her that we should utilize the standard backdoor roth and potentially the megabackdo...
by tibbitts
Tue Dec 16, 2014 9:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Convince Wife About Value of IRA - Good Resources
Replies: 13
Views: 1110

Re: Dividend Growth Investing & Indexing = ???

I am seduced by the lure of large dividend compounding year over year. Indexing makes a lot of sense as well. Anyone else splitting up their strategy between the two and how is it working? Why are the two exclusive? Why not use an index fund oriented toward the "dividend growth" approach,...
by tibbitts
Tue Dec 16, 2014 8:50 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend Growth Investing & Indexing = ???
Replies: 4
Views: 476

Re: Why would you invest in a bond fund?

What you're missing is that a year ago, "everybody" was saying exactly what you're saying now. Why didn't you reach the same conclusion a year ago? Or two years ago? What indicator are you using to know that Vanguard Long Term Treasury won't return nearly 27% next year, as it has so far th...
by tibbitts
Tue Dec 16, 2014 8:40 pm
 
Forum: Investing - Theory, News & General
Topic: Why would you invest in a bond fund?
Replies: 25
Views: 1939

Re: Any negative outlooks on healthcare industry's future

I own an ETF covering pharmaceuticals for the most part. I just can't think of any was it could fail in the next thirty years... I guess a better question is, if it were to, in what ways could the health care industry fail in the coming decades. The people that were unhealthy since childhood have y...
by tibbitts
Tue Dec 16, 2014 8:29 pm
 
Forum: Investing - Theory, News & General
Topic: Any negative outlooks on healthcare industry's future
Replies: 49
Views: 2555

Re: Bogle on CNBC 12-16-2014: 100% USA squity

OK, great now I am more confused. I have $250k in the process of being transferred in to Vanguard right now. I was going to invest the the strategic conservative fund. With this current market am I better off holding off, maybe putting it into money market or cd's for a while? I am 59, disabled and...
by tibbitts
Tue Dec 16, 2014 7:37 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle on CNBC 12-16-2014: 100% USA squity
Replies: 35
Views: 3621

Re: Having my year end review with my manager, what to expec

Everybody will have a different answer depending on their personal experience. You have to remember that what might have worked or not for someone else, whether on this forum or at your business, may have zero application to you. One general rule I can think of is that if your position involves sale...
by tibbitts
Tue Dec 16, 2014 7:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Having my year end review with my manager, what to expect?
Replies: 29
Views: 2417

Re: Energy sector

This whole sector could overreact to the downside as volatile markets tend to do. There is no sign of bottoming yet, so I would wait. Oil dropped over $100/barrel 5 years ago, so there could be plenty more downside. What is a "sign of bottoming"? I'd like to sign up to get an email when i...
by tibbitts
Tue Dec 16, 2014 8:57 am
 
Forum: Investing - Theory, News & General
Topic: Energy sector
Replies: 55
Views: 4179

Re: TIAA-CREF 403(b) Fund Choices and Asset Allocation

I don't understand the question, in that if you're only getting a match on the 2%, that's all you need to invest in TIAA. You can open an IRA anywhere you want and invest another $5500/yr. How much more than that do you want to invest out of your salary? You don't clarify whether your $6000 addition...
by tibbitts
Sun Dec 14, 2014 10:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIAA-CREF 403(b) Fund Choices and Asset Allocation
Replies: 3
Views: 380

Re: My first non fee advisor meeting..confused

She mentioned that I should open a Fidelity Solo 401k because I can put in up to $30k a year. Other 401k's would limit the amount I can put in? My predicament is that I prefer not to use Fidelity for my retirement account. Why not just ask the adviser that question? At least in my business, most pe...
by tibbitts
Sun Dec 14, 2014 1:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: My first non fee advisor meeting..confused
Replies: 35
Views: 4611

Re: What is a move-up car after mid-size sedan?

Hyundai Genesis I rented a last-generation (through 2014, I guess) Genesis and it was disappointing - it just didn't seem like an upscale car. Maybe the new model is dramatically better. Among other cars I've rented, I actually liked the last-generation Impala (notably sold mostly as a fleet car) b...
by tibbitts
Sat Dec 13, 2014 9:46 pm
 
Forum: Personal Consumer Issues
Topic: What is a move-up car after mid-size sedan?
Replies: 63
Views: 4028

Re: Have you ever been let go?

Yes, I have, as in fired (vs. a layoff, for example.) I've also had contracts not renewed, but I look at that as more like a layoff than being fired. I wonder to what extent the results we're seeing here (a very high percentage of people having not been fired, it seems) mirrors the general populatio...
by tibbitts
Tue Dec 09, 2014 7:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you ever been let go?
Replies: 74
Views: 5460

Re: What to do with VGPMX (Vanguard Precious Metals and Mini

Many years before the OP bought the fund, I didn't take "couple years" literally. Also sometimes I research a fund, don't invest, and then years later do invest. With only a quick glance before investing, I might have missed this change, depending on the top holdings at the time. Certainl...
by tibbitts
Tue Dec 09, 2014 7:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with VGPMX (Vanguard Precious Metals and Mining)?
Replies: 32
Views: 2236

Re: What to do with VGPMX (Vanguard Precious Metals and Mini

I didn't add it, I put it in when I created the portfolio. And contrary to what another poster said, my reasoning was fear rather than greed I think some people are being a bit harsh; hope you didn't take my post that way. As the fund changed on you, I'm not sure this was a behavioral mistake. And ...
by tibbitts
Tue Dec 09, 2014 8:58 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do with VGPMX (Vanguard Precious Metals and Mining)?
Replies: 32
Views: 2236

Re: Start saving for House downpayment using Wellesley?

bertilak wrote:Wellesley is very much likely to earn more than cash equivalents. So the question becomes, what's the risk?

The risk is that it doesn't.
by tibbitts
Mon Dec 08, 2014 6:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Start saving for House downpayment using Wellesley?
Replies: 35
Views: 3079

Re: Bogleheads.com and FPL Capital Management

If anyone else noticed the .com link now leads to a generic Web page. http://bogelheads.com Francis I believe you have unintentionally misspelled bogleheads. The .com extension to bogleheads still points to FPL Capital Management's Vanguard US Equity Folio page. Thanks for catching my error. My mis...
by tibbitts
Mon Dec 08, 2014 6:50 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.com and FPL Capital Management
Replies: 30
Views: 2448

Re: Daughter's retirement accounts - roth or traditional

Especially with someone relatively young, it's impossible to predict which type of IRA will turn out better, so consider 50/50. In this case if the 401k contributions are all roth, maybe make the other contributions to a deductible IRA. For 2014, single filers who are covered by an employer plan li...
by tibbitts
Mon Dec 08, 2014 8:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Daughter's retirement accounts - roth or traditional
Replies: 21
Views: 1779

Re: Start saving for House downpayment using Wellesley?

REITs? Seriously? When the price of REITS last dropped 50% or whatever they dropped during the downturn, my house price went down, at the worst and most awful days of the downturn, maybe 5%. Less if you believe the annual tax assessment. I'm not saying it might not have been a little more difficult ...
by tibbitts
Mon Dec 08, 2014 8:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Start saving for House downpayment using Wellesley?
Replies: 35
Views: 3079

Re: Bogle Advises Investing No More Than 20% Outside U.S.

Let's look at 3 investors: One uses Vanguard Total World Stock Index Fund One uses 50:50 Total U.S./ Total International One holds 20% International per John Bogle's suggestions Now, riddle me this: 1. Which investor's portfolio is the most complex? 2. Which investor has the largest exposure to the...
by tibbitts
Mon Dec 08, 2014 12:40 am
 
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 11243

Re: Daughter's retirement accounts - roth or traditional

Especially with someone relatively young, it's impossible to predict which type of IRA will turn out better, so consider 50/50. In this case if the 401k contributions are all roth, maybe make the other contributions to a deductible IRA.
by tibbitts
Mon Dec 08, 2014 12:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Daughter's retirement accounts - roth or traditional
Replies: 21
Views: 1779

Re: Bogleheads.com and FPL Capital Management

In my opinion, that's boglehead's shortcoming. This site (.org) should have registered all possible domain extensions: .org, .com, .net, and a few other ones. And again, who did you have in mind was going to pay for all those domains, and a "few other ones"? Based on posts on the forum, y...
by tibbitts
Sun Dec 07, 2014 9:31 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.com and FPL Capital Management
Replies: 30
Views: 2448

Re: Returning to college at age 32: Help picking a major

I think he should pick something he has some interest in or aptitude for, not just something that seems to have good job prospects. Most good job prospects only apply if you're really good at something. Probably a disproportionate number of members on this forum went to very competitive colleges, of...
by tibbitts
Sun Dec 07, 2014 6:19 pm
 
Forum: Personal Consumer Issues
Topic: Returning to college at age 32: Help picking a major
Replies: 19
Views: 1204

Re: TIAA Cref Funds--their place in my asset allocation?

One other question about TRAD--if interest rates rise and later vintages start paying out more than the current vintages, is there anything stopping someone from transferring out (over those 9 years + 1 day) and re-buying into trad at the higher interest rates? The nature of the RA is that people h...
by tibbitts
Sun Dec 07, 2014 6:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIAA Cref Funds--their place in my asset allocation?
Replies: 32
Views: 1684

Re: Start saving for House downpayment using Wellesley?

I don't understand the discussion of medium-term. Even if it's 5 years (wellesley's bonds were more like 6.5 years the last I looked), that means you have to sell the fund the day after you buy it, because you'll be inside the 5 year window. I don't believe VG means it's ok to hold wellesley for 5 y...
by tibbitts
Sun Dec 07, 2014 3:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Start saving for House downpayment using Wellesley?
Replies: 35
Views: 3079

Re: Start saving for House downpayment using Wellesley?

Sorry, you're stuck with losing money every year in a bank account. You can fiddle around the edges with i-bonds or CDs but basically you're likely to lose money in real terms. It's just the luck of the times you're investing in - but you don't have any alternatives.
by tibbitts
Sun Dec 07, 2014 1:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Start saving for House downpayment using Wellesley?
Replies: 35
Views: 3079

Re: $44,000 for 1st Time Investor

Springbok wrote:No one depends on me. My parents had set me up with health insurance in the past, and I just continued with the plan not understanding it.

I think the OP means life insurance.
by tibbitts
Sun Dec 07, 2014 1:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: $44,000 for 1st Time Investor
Replies: 21
Views: 2861

Re: Is it safe to leave Laptop in hotel room

Interesting to hear all the stories of people who leave laptops out in their rooms. I am too risk averse for that, though I have occasionally left a laptop out for 5 minutes or so to get a cup of coffee in the lobby. My practice is to lock the laptop in the room safe if I'm going to be out for more...
by tibbitts
Sun Dec 07, 2014 12:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it safe to leave Laptop in hotel room
Replies: 65
Views: 7289

Re: Am I being cheap? [wedding/engagement ring]

My guess is that this thread demonstrates that a large percentage of bogleheads think much differently vs. the general population. I don't believe you'd run into the same argument over a buying $2k engagement/wedding ring vs. a $75k salary among the general population. I do think the OP should revis...
by tibbitts
Sun Dec 07, 2014 12:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 8790

Re: Bogleheads.com and FPL Capital Management

In my opinion, that's boglehead's shortcoming. This site (.org) should have registered all possible domain extensions: .org, .com, .net, and a few other ones. And again, who did you have in mind was going to pay for all those domains, and a "few other ones"? Based on posts on the forum, y...
by tibbitts
Sun Dec 07, 2014 11:40 am
 
Forum: Forum Issues and Administration
Topic: Bogleheads.com and FPL Capital Management
Replies: 30
Views: 2448

Re: Bogleheads.com and FPL Capital Management

Liberty1100 wrote:While complaining, it may be worth it to purchase the domain name from them. That way, if someone types in bogleheads.com, they just get directed to bogleheads.org.

Thanks; your donation to purchase the domain name is much appreciated.
by tibbitts
Sat Dec 06, 2014 11:26 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.com and FPL Capital Management
Replies: 30
Views: 2448

Re: Am I being cheap?

I think you're asking this on the wrong forum. Having said that, it sounds like you'd be happier marrying someone who's more compatible with your financial expectations. Or at least it sounds like you're not yet resigned to accepting how much you'll need to compromise going forward.
by tibbitts
Sat Dec 06, 2014 6:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 8790

Re: Is it safe to leave Laptop in hotel room

My wife and I will be out of town during the Holidays for a couple of days. She wants to take our laptop computer. I am not a traveler, so I have no experience with this. Is it safe to leave the laptop in our room? We will be staying at Days Inn at night but we will be out of the room during most o...
by tibbitts
Sat Dec 06, 2014 4:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it safe to leave Laptop in hotel room
Replies: 65
Views: 7289

Re: TIAA Cref Funds--their place in my asset allocation?

Where did you see this about the bi-coastal strategy? I've been searching for a discussion of how diversified its holdings are, and where they are, etc, but haven't had much luck. I never found information about the change in strategy at TIAA itself, although I didn't look that hard, either. A quic...
by tibbitts
Sat Dec 06, 2014 4:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIAA Cref Funds--their place in my asset allocation?
Replies: 32
Views: 1684

Re: Disadvantages of not investing in bonds

Alas, rebalancing won't overcome the effects of the lower returns on bonds. If it's 100% stocks versus 90% stocks and rebalancing, the 100% stocks will win over the long term. That includes rebalancing with new money. Sometimes, rebalancing means buying more bonds; all of those times you put new mo...
by tibbitts
Sat Dec 06, 2014 3:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Disadvantages of not investing in bonds
Replies: 29
Views: 2521

Re: TIAA Cref Funds--their place in my asset allocation?

tibbitts (& others): I should clarify that while I intend to do 50% TREA/50% TRAD, I have no intention of attempting to time the market. tibbitts: What changes concern you? (Would I need to go read the whole 220 page prospectus to find out? Can you relay some highlights?) The attraction for me ...
by tibbitts
Sat Dec 06, 2014 3:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIAA Cref Funds--their place in my asset allocation?
Replies: 32
Views: 1684

Re: TIAA Cref Funds--their place in my asset allocation?

I could take some part of those and put them in TREA. I don't understand TREA as well, and probably wouldn't want to try to time it... Yes, understanding TREA takes some reading - the TREA prospectus is 220 pages long. :shock: TREA is market timed using the Greenstreet Advisors CPPI: http://www.gre...
by tibbitts
Sat Dec 06, 2014 2:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIAA Cref Funds--their place in my asset allocation?
Replies: 32
Views: 1684

Re: Helping my dad with his portfolio

I don't have any experience with this brokerage or with most of the funds listed. However, I would caution you that you have exactly one chance to be credible with your father, and you can't be 99.9% correct, you have to be 100% correct. For example, if there's a wrap fee on some or all of that acco...
by tibbitts
Sat Dec 06, 2014 11:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Helping my dad with his portfolio
Replies: 52
Views: 2512

Re: Fly or drive? Not just time vs. money anymore

My first thought is that you can't analyze this as precisely as you're trying to. Traffic problems, accidents, or bad weather, especially in the winter, could turn your driving trip into 20 hours or more, not 10. Similarly, it's not unusual for what should be a 4 hour flight to turn into an 8 or 12 ...
by tibbitts
Thu Dec 04, 2014 9:14 pm
 
Forum: Personal Consumer Issues
Topic: Fly or drive [with a newborn]?
Replies: 58
Views: 4550

Re: Amazon product restricted to Prime members. Is this new?

hicabob wrote:I've noticed the $35 min. order to qualify for free 2-day shipping no longer seems to apply with prime, which is nice.

I don't understand.

As far as I know:

1. You never got free 2-day shipping without prime.

2. You never had a minimum to get free 2-day shipping with prime.
by tibbitts
Wed Dec 03, 2014 8:52 pm
 
Forum: Personal Consumer Issues
Topic: Amazon product restricted to Prime members. Is this new?
Replies: 34
Views: 4111

Re: Low Price Nikon Camera

My issue with all cameras of this type is that there's no viewfinder, which besides making the subject difficult to see in bright light, also makes handholding extremely difficult. Since this isn't exactly a "pocketable" camera, I'd suggest either sticking to a phone or (typically) paying ...
by tibbitts
Wed Dec 03, 2014 8:21 pm
 
Forum: Personal Consumer Issues
Topic: Low Price Nikon Camera
Replies: 31
Views: 1755

Re: Why does Buffett like S&P not Total US Market?

Im sure most everyone is familiar that Buffett said this in a 2013 shareholder letter: "My advice to the trustee could not be more simple: Put 10% of the cash in short-term government bonds and 90% in a very low-cost S&P 500 index fund. (I suggest Vanguard’s.)" Why, in 2013, does he s...
by tibbitts
Wed Dec 03, 2014 8:16 pm
 
Forum: Investing - Theory, News & General
Topic: Why does Buffett like S&P not Total US Market?
Replies: 29
Views: 2706

Re: Odd Issue with a Best Buy Return

The prize came not from your company but from a company that does business with your company? I believe the OP made that point early on. I've won a few items in business-related raffles (nothing to do with performance, as with the OP) over the years - much less value than the OP - and now my policy...
by tibbitts
Mon Dec 01, 2014 8:52 am
 
Forum: Personal Consumer Issues
Topic: Odd Issue with a Best Buy Return
Replies: 59
Views: 5180

Re: IRA 100% bonds inevitable??

The OP isn't getting agreement on this question, because: 1. these aren't "normal times", or more accurately, seem to be less normal than other non-normal times; 2. there is speculation (not on the forum, for policy reasons) over future tax policy regarding retirement contributions to vari...
by tibbitts
Mon Dec 01, 2014 8:44 am
 
Forum: Investing - Help with Personal Investments
Topic: IRA 100% bonds inevitable??
Replies: 46
Views: 3801

Odd Issue with a Best Buy Return

I just got back from making a return at BB. The clerk didn't give me a choice of how to receive the refund, except to ask if I wanted to exchange the item for another one. I asked "will the funds go back on my card" and the answer was yes, and I got the impression that any other choice wou...
by tibbitts
Sun Nov 30, 2014 4:42 pm
 
Forum: Personal Consumer Issues
Topic: Odd Issue with a Best Buy Return
Replies: 59
Views: 5180

Re: Fidelity's retirement savings guideline-Only need 8x sal

While none is "right", I'm guess Fidelity assumes using 100% of savings to by a single-life annuity, which I'm guessing would be close to 5.5-6% at this (depressed) moment. That plus SS would probably get a lot of people close to what they need, although obviously a lot of assumptions are ...
by tibbitts
Sun Nov 30, 2014 10:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity's retirement savings guideline-Only need 8x salary?
Replies: 45
Views: 5097

Re: Odd Issue with a Best Buy Return

I work for a large company, and this was provided by a vendor and shipped to my house. Its very unfortunate that I will have to track down this poor sap, explain what happened, make him spend his time to go out and purchase another unit, and then ship it to me again. Something that could have easil...
by tibbitts
Sat Nov 29, 2014 11:51 pm
 
Forum: Personal Consumer Issues
Topic: Odd Issue with a Best Buy Return
Replies: 59
Views: 5180

Re: Odd Issue with a Best Buy Return

I work for a large company, and this was provided by a vendor and shipped to my house. Its very unfortunate that I will have to track down this poor sap, explain what happened, make him spend his time to go out and purchase another unit, and then ship it to me again. Something that could have easil...
by tibbitts
Sat Nov 29, 2014 8:17 pm
 
Forum: Personal Consumer Issues
Topic: Odd Issue with a Best Buy Return
Replies: 59
Views: 5180

capital one 360 savings signup bonus?

Sorry if somebody already posted this Capital One $100 360 savings account signup bonus, but it didn't turn up in a quick forum search: https://home.capitalone360.com/lp-black-friday-sale-savings-account?utm_source=686888&utm_medium=0&utm_content=105626857&utm_campaign=7976905 The catch ...
by tibbitts
Sat Nov 29, 2014 10:26 am
 
Forum: Personal Finance (Not Investing)
Topic: capital one 360 savings signup bonus?
Replies: 4
Views: 786
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