Search found 6190 matches

by tibbitts
Sun Aug 28, 2016 6:55 pm
Forum: Personal Consumer Issues
Topic: Talk me out of 4500 purchase [Camera]
Replies: 132
Views: 8416

Re: Talk me out of 4500 purchase [Camera]

I know that this thread is old, but seems like people are still weighing in. The only thing I see wrong here is that the OP is buying a Canon instead of a Nikon. I think even I'm finally over the FD fiasco and that's what you're undoubtedly referring to. it was hard to take at the time because you'...
by tibbitts
Sun Aug 28, 2016 6:44 pm
Forum: Personal Consumer Issues
Topic: Talk me out of 4500 purchase [Camera]
Replies: 132
Views: 8416

Re: Talk me out of 4500 purchase [Camera]

I have rented a 6D, I can't get over the lack of AF points, not only a lack of AF points but it only offers 1 cross-type. I had to focus & recompose a lot with the 6D just to get the composition because of this. How many shots do you think you will miss because of the lower number of AF points ...
by tibbitts
Sun Aug 28, 2016 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Article: "Yes you can be too conservative"
Replies: 38
Views: 3814

Re: Article: "Yes you can be too conservative"

It seems like we're only having this discussion because of current economic conditions, suggesting that some timeless investing concepts are perhaps not so timeless.
by tibbitts
Sun Aug 28, 2016 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Article: "Yes you can be too conservative"
Replies: 38
Views: 3814

Re: Article: "Yes you can be too conservative"

I thought this article summed up my concerns re some of the more cautious types around here.... http://beta.morningstar.com/articles/765960/retirement-planning-assumptions-yes-you-can-be-too-conservative.html Describes one family member I know pretty well.... He's 84, only retired at 79 (with a nic...
by tibbitts
Sun Aug 28, 2016 7:19 am
Forum: Investing - Theory, News & General
Topic: Retirees Saying No To The Market
Replies: 51
Views: 5088

Re: Retirees Saying No To The Market

Do you know retirees who absolutely refuse to invest in the market? I was wondering how well they are doing financially and what are they doing to get by. Thanks. First, most retirees have not much more than social security, so in that sense many "refuse" to invest in the market. Somehow ...
by tibbitts
Sat Aug 27, 2016 3:30 pm
Forum: Personal Consumer Issues
Topic: Sony RX 100 IV camera
Replies: 14
Views: 825

Re: Sony RX 100 IV camera

lthenderson wrote:I thought point and shoot cameras went the way of 35mm film and 8-tracks. I gave all mine to the kids and just use the camera on my smart phone these days.

I don't think P&S quite does it justice, except to the extent that any camera can be used that way, even a pro-level dslr.
by tibbitts
Sat Aug 27, 2016 3:27 pm
Forum: Personal Consumer Issues
Topic: Sony RX 100 IV camera
Replies: 14
Views: 825

Re: Sony RX 100 IV camera

I have the mk III model as well. I thought about getting a DSLR, but wanted to something that took great pictures without alot of fuss. These days alot of venues don't allow you take in big cameras anymore. The RX 100 will fit in most pockets easily. I usually keep mine in the glove compartment of ...
by tibbitts
Fri Aug 26, 2016 8:34 pm
Forum: Personal Consumer Issues
Topic: Surprised by Costco Citi VISA first statement
Replies: 28
Views: 3540

Re: Surprised by Costco Citi VISA first statement

I got our first statement for our new Costco Citi VISA card. Our plan was to use this card only for purchases that received a 4% reward (gas), a 3% reward (restaurants and "eligible travel"). All other purchases were going on our new Fidelity 2% cash back VISA. The Costco Citi VISA statem...
by tibbitts
Thu Aug 25, 2016 6:27 pm
Forum: Personal Consumer Issues
Topic: Tranny Cooler Enough to Start Towing or Need Gear Ratios?
Replies: 15
Views: 967

Re: Tranny Cooler Enough to Start Towing or Need Gear Ratios?

Seeing your SUV is at least 5 years old , this would be a good time to replace the trans fluid, and yes go with synthetic. I don't believe you need the aftermarket cooler. One thing you don't want to do is tow up any grade in high gear. Example , if you have a 4 speed auto , select 3rd. You do not ...
by tibbitts
Thu Aug 25, 2016 7:58 am
Forum: Personal Consumer Issues
Topic: Tranny Cooler Enough to Start Towing or Need Gear Ratios?
Replies: 15
Views: 967

Re: Tranny Cooler Enough to Start Towing or Need Gear Ratios?

I have a 2011 Chevy Traverse that did not come with the towing package and is rated up to 2,000 lbs towing capacity without it (5,000 lbs with it). I put the hitch and wiring on myself to be able to tow and if I had the tow package it'd also include a transmission cooler and a switch to go into &qu...
by tibbitts
Mon Aug 22, 2016 11:04 pm
Forum: Personal Consumer Issues
Topic: Best/safest/easiest way to send sensitive files to another person over the internet?
Replies: 40
Views: 2570

Re: Best/safest/easiest way to send sensitive files to another person over the internet?

There are some files that I would like to send that contain sensitive information. What is the best and most secure way to do this? My understanding attaching the files to an email is very convenient, but not secure. Thanks!! :sharebeer EDIT: I realize that I said "best/most secure," but ...
by tibbitts
Sun Aug 21, 2016 10:02 am
Forum: Personal Consumer Issues
Topic: Porcelain tile...easy to clean?
Replies: 4
Views: 540

Re: Porcelain tile...easy to clean?

I am thinking of having porcelain tile installed in the front foyer and the kitchen. During the winter, my large dog will track his muddy paws over the floor. How well does this tile clean up? I think the protocol would be to let the muddy area dry, and then vacuum it. As opposed to what alternativ...
by tibbitts
Sun Aug 21, 2016 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri Portfolio Review
Replies: 34
Views: 4008

Re: Rick Ferri Portfolio Review

I think the answer hinges on this: The question is will his portfolio work for average investors like you and I? In what respects is Rick not an average investor? What would make him more or less suitable for these investments than anyone else? Doesn't this divide the world into Rick and everyone el...
by tibbitts
Sat Aug 20, 2016 8:56 am
Forum: Personal Consumer Issues
Topic: Has a SUV helped anyone's back?
Replies: 22
Views: 1347

Re: Has a 4x4 helped anyone's back?

I drive a lot of miles and have a Honda sedan. It's in great shape and I place a lot of miles annually. However, I think the low seat is hurting my back. I am overweight, dieting and working out hard to strengthen my core, however I still have back issues when I get out of my car after an hour driv...
by tibbitts
Fri Aug 19, 2016 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Can my wife stop working? Allocation ???
Replies: 25
Views: 2293

Re: Can my wife stop working? Allocation ???

My wife will likely not be getting much to do church work with children and dog rescue work :shock: I disagree. Well, she might not, but other people are paid reasonably to do those things - perhaps not well-paid in the context of the average boglehead income, but plenty of people make their entire...
by tibbitts
Thu Aug 18, 2016 10:05 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett recommends putting 90% in S&P500 index fund, 10% in Bond index
Replies: 36
Views: 4332

Re: Warren Buffett recommends putting 90% in S&P500 index fund, 10% in Bond index

I am stating that with 90% stock close to or in retirement you're likely to be fine, yes. In fact, you're likely to be better off because on average you would have generated higher returns across your investing life that would overcome short term losses. MrKnight - very well put. Either nobody &quo...
by tibbitts
Tue Aug 16, 2016 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Can my wife stop working? Allocation ???
Replies: 25
Views: 2293

Re: Can my wife stop working? Allocation ???

At $100k you're still making about twice the average household income, so I don't think that's the issue. But I also think there is nothing magic to volunteering vs. working at a different job that would make her feel like she was contributing to something important, even while she was still getting...
by tibbitts
Sun Aug 14, 2016 7:18 pm
Forum: Personal Consumer Issues
Topic: Do you wash your car yourself, or have it done?
Replies: 96
Views: 5347

Re: Do you wash your car yourself, or have it done?

Today I washed my car at home for the first time in more than a year. I thought the water pressure was little wimpy, and when I got back inside the house I was sloshing through water (through the carpet.) Ugh. I've make a couple of passes with the shopvac but the carpet is still really squishy. So i...
by tibbitts
Sun Aug 14, 2016 9:37 am
Forum: Personal Consumer Issues
Topic: Do you wash your car yourself, or have it done?
Replies: 96
Views: 5347

Re: Do you wash your car yourself, or have it done?

Why would you care if the neighbors are watching you? and aside from an occasional glance, do you think they are really watching you? I'm not exactly a tree-hugger, but it can be argued that washing a car in the conventional way damages the environment in various ways. So in some neighborhoods you ...
by tibbitts
Sun Aug 14, 2016 9:29 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 84
Views: 7397

Re: How much international stock? A suggestion.

Bogle's a patriot. Invest in America. If that's wrong, he doesn't want to be right =) The Boglehead philosophy is to index the markets as broadly as possible, versus following appeal to authority, appeal to patriotism or other common logical fallacies. It's pretty challenging to find bogleheads end...
by tibbitts
Sun Aug 14, 2016 9:03 am
Forum: Personal Consumer Issues
Topic: Building a Pool
Replies: 44
Views: 2800

Re: Building a Pool

My wife wanted a pool, and got an above-ground pool a few years ago. I think she enjoyed it, but although she wouldn't say, I think it was more work than she thought. It's gone now, and there's a hole (not deep, but a hole) that still needs to be filled in. I was pretty sure it was a bad idea, but i...
by tibbitts
Fri Aug 12, 2016 7:35 am
Forum: Investing - Theory, News & General
Topic: Gain/Loss and Change Where's my Magic 12%
Replies: 4
Views: 559

Re: Gain/Loss and Change Where's my Magic 12%

Greetings, I read and try to understand this stuff, but I still just don't get it. Dave Ramsey claims 12% increase, but other more realistic people are looking at the magic number of 8% increase in their savings. I look at my Morning Star report on my 401k (with limited options, and these were the ...
by tibbitts
Fri Aug 12, 2016 7:25 am
Forum: Personal Consumer Issues
Topic: Suppose one has been rear ended...
Replies: 33
Views: 2325

Re: Suppose one has been rear ended...

Call 911 to report the accident. While waiting for the cops get the driver's name, insurance info and license plate. Get the police report, and call insurance to file a claim. No exceptions. Police may refuse to respond to non-injury accidents. I had that problem when I was rear-ended in BC, Canada...
by tibbitts
Wed Aug 10, 2016 9:30 pm
Forum: Personal Consumer Issues
Topic: Solo Travel
Replies: 40
Views: 3574

Re: Solo Travel

I do solo trips regularly, focused on my hobbies, with little "normal" sightseeing or other tourist-type activities. I save those for when my wife and I travel together. In fact, I'm on such a trip right now: eight days in Portland OR, including day-trips to other towns in the region. I m...
by tibbitts
Mon Aug 01, 2016 7:44 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisor Services
Replies: 36
Views: 4517

Re: Vanguard Personal Advisor Services

VPAS has the potential to prevent your from making bad decisions (panic selling) when things get choppy in the market which it will. One bad panic selling decision could potentially cost you far more than the charge for VPAS, so in my estimation if using it helps you stay the course through thick a...
by tibbitts
Sun Jul 31, 2016 3:36 pm
Forum: Investing - Theory, News & General
Topic: Investing at stock market highs
Replies: 52
Views: 4175

Re: Investing at stock market highs

I know that during a majority of bull markets all time highs were normal. There is a lot going on in the world as well as here at home in the USA. I have some cash on the sidelines(should have invested earlier this year) I am wondering your thoughts on investing a large sum($50000) in the market at...
by tibbitts
Sun Jul 31, 2016 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Creative solutions to train young adult to be financially responsible & my $50k dilemma ...
Replies: 57
Views: 3164

Re: Creative solutions to train young adult to be financially responsible & my $50k dilemma ...

First, why are you in charge of your brother's life insurance proceeds, or are these somehow combined proceeds, and again if so, why are you in charge? Is your brother actually in distress, or it it merely that you think he's in distress. Maybe he's happy. Depending on circumstances we don't know, I...
by tibbitts
Sun Jul 31, 2016 9:15 am
Forum: Investing - Theory, News & General
Topic: Investing at stock market highs
Replies: 52
Views: 4175

Re: Investing at stock market highs

I believe that once you embark on the strategy you've chosen, you have to stick with it. So don't invest in equities until you see them drop below the brexit lows. Take your choice of cash-like investments and stay there until those lows come around again, assuming they do.
by tibbitts
Sat Jul 30, 2016 7:41 am
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 13166

Re: SSA MANDATORY cell phone based multifactor authentication

I was finally able to log on to ssa.gov, with which I'm assuming everyone is having issues, now that these notifications have gone out. I wonder if their USmail will be similarly delayed.
by tibbitts
Fri Jul 29, 2016 8:54 pm
Forum: Personal Consumer Issues
Topic: Best/most effective home BP monitor
Replies: 24
Views: 1004

Re: Best/most effective home BP monitor

bowtie wrote:That was a helpful thread though can't help wondering about the one possible lemon moron BP measuring mach I ne. Wonder if it was new. They do have warranties. Plus, they may need to be checked or recalibratedo after several years, they said when I phoned Omron company for info.

Translation?
by tibbitts
Fri Jul 29, 2016 7:18 am
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 13166

Re: SSA MANDATORY cell phone based multifactor authentication

Sorry to hijack the thread, but I've found that a number of authentication services manage to defeat the use of google voice, and declare it an unsuitable number. I have two google voice numbers and this has happened with both. Does anyone understand how/why this happens? Other authentication servic...
by tibbitts
Fri Jul 29, 2016 7:04 am
Forum: Personal Consumer Issues
Topic: Buying a used DSLR Suggestion
Replies: 37
Views: 2389

Re: Buying a used DSLR Suggestion

I think the main feature I would like is wifi as we are not planning on backing up our photos on our phones Most wifi-sd cards should be able to provide that. The biggest limitation there is the software. In some cases you can even bypass that (eg with eye-fi on linux http://www.returnbooleantrue.c...
by tibbitts
Thu Jul 28, 2016 5:47 pm
Forum: Investing - Theory, News & General
Topic: Dividend stocks or real estate rental
Replies: 51
Views: 2662

Re: Dividend stocks or real estate rental

You will be selling stocks that are going down in value. If stocks are down, I'd most probably be selling from bond funds. Unless we have a real stock-n-bond-pocalypse which makes both of them drop significantly... I don't know that a "stock-n-bond-pocalypse" would be required. I think we...
by tibbitts
Wed Jul 27, 2016 8:57 pm
Forum: Personal Consumer Issues
Topic: Buying a used DSLR Suggestion
Replies: 37
Views: 2389

Re: Buying a used DSLR Suggestion

I currently have an about 8 year old Nikon D40 with a Sigma 28-50mm lens (Cheap) and a Nikkon 50-200mm lens (nice). We are doing a road trip across Germany in September and were thinking of upgrading. I was thinking of a budget in the $400-$500 range. This is leading me to the conclusion that a use...
by tibbitts
Wed Jul 27, 2016 7:14 pm
Forum: Investing - Theory, News & General
Topic: High Yield Junk Bonds
Replies: 51
Views: 4385

Re: High Yield Junk Bonds

Bogleheads, What are your thoughts on the high yield bond funds? More yield which means more risk. Many years ago I had a family member that invested in them that believed the dividends were everything but never rally discussed or considered the risk on NAV (especially during market stress). They e...
by tibbitts
Wed Jul 27, 2016 8:00 am
Forum: Personal Consumer Issues
Topic: What is your plan if you lose job tomorrow ??
Replies: 73
Views: 5990

Re: What is your plan if you loose job tomorrow ??

In this age of uncertain economy/jobs what will you do if you loose job tomorrow? Assuming you have survival money for next 6 months and reasonable accumulation in stocks/retirement funds etc. the options are 1. look for another job : but uncertainity looms related to creepy boss, mean coworkers an...
by tibbitts
Wed Jul 27, 2016 7:37 am
Forum: Investing - Help with Personal Investments
Topic: 100 % Wellesley Admiral (VWIAX)?
Replies: 35
Views: 4007

Re: 100 % Wellesley Admiral (VWIAX)?

Would welcome input regarding a 100% Wellesley (VWIAX) retirement portfolio in an IRA account. I appreciate that no International equities are included, but the conservative asset allocation, low expense ratio and absence of international bond holdings in other all-in-one funds (Target, Life Strate...
by tibbitts
Tue Jul 26, 2016 7:12 pm
Forum: Personal Consumer Issues
Topic: Buying a fairly new RV, suggestions.
Replies: 39
Views: 3047

Re: Buying a fairly new RV, suggestions.

For the tens of thousands of dollars you would pay for an RV, you could buy quite a lot of high-end camping gear that would last you decades... No matter how you try and frame it, camping will inevitably be tens of times cheaper than spending the OP's suggested $70k on an RV. Many people have ample...
by tibbitts
Mon Jul 25, 2016 7:29 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Mutual Funds [choosing based on past performance]
Replies: 22
Views: 1449

Re: Fidelity Mutual Funds [choosing based on past performance]

2 years ago I asked Fidelity to take care of my Sep IRA, about 100K, and basically the return has been -0.05% Not great at all.. I'm planning to take care of my Sep IRA next month and looking for some opinions, - I used to buy stocks and mutual funds so I know how basically it works. I was doing ve...
by tibbitts
Sun Jul 24, 2016 3:31 pm
Forum: Investing - Theory, News & General
Topic: High Yield Junk Bonds
Replies: 51
Views: 4385

Re: High Yield Junk Bonds

Bogleheads, What are your thoughts on the high yield bond funds? More yield which means more risk. Many years ago I had a family member that invested in them that believed the dividends were everything but never rally discussed or considered the risk on NAV (especially during market stress). They e...
by tibbitts
Wed Jul 20, 2016 7:12 am
Forum: Investing - Help with Personal Investments
Topic: Axa Rollover to Vanguard IRA- $600???
Replies: 5
Views: 395

Re: Axa Rollover to Vanguard IRA- $600???

I once had a similar 403b with an annuity provider, but the fixed option was excellent. There was a bonus rate that lasted until just before the sales charge fell off, and this was in a declining rate environment. So over the required holding period it was a good deal, regardless of whatever the cha...
by tibbitts
Tue Jul 19, 2016 7:25 am
Forum: Forum Issues and Administration
Topic: Problem with cell phone + this website
Replies: 30
Views: 2143

Re: Problem with cell phone + this website

The general concern here that hasn't been stated is that the posts to the website will degrade in quality if people are using their phones. Another issue is that the founder Alex Frakt seems somewhat disengaged: He was: Last active:2016-07-06-19-17-14 and his last public post was 2016-03-28-13-26-5...
by tibbitts
Mon Jul 18, 2016 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Scary thought. Running out of time to save for retirement
Replies: 60
Views: 6403

Re: Scary thought. Running out of time to save for retirement

As you get older you develop skills that people pay more money for. I completely agree that the original pharmacist point was wrong, in that it's silly to worry about saving in you're twenties when you're building a foundation that will let you more than catch up later, but also disagree with this ...
by tibbitts
Sun Jul 17, 2016 9:01 am
Forum: Investing - Theory, News & General
Topic: "Pokemon Go" -- should buying Nintendo have been obvious?
Replies: 88
Views: 4668

Re: "Pokemon Go" -- should buying Nintendo have been obvious?

stingray5688 wrote:
JonnyDVM wrote:There's a simple explanation. The investing world underestimated how many sad, lonely adults there are.


Really? Is that also the reason this forum is so popular?

Yes.
by tibbitts
Wed Jul 13, 2016 7:36 am
Forum: Personal Consumer Issues
Topic: Buying a Fifth Wheel-Help
Replies: 34
Views: 3189

Re: Buying a Fifth Wheel-Help

My GMC Sierra 1500 averaged 13 MPG while towing our trailer over 2000 miles back from Texas in June, 2016. With my 1500 Chevrolet, the best I could average with my 7.5ftx23.5ft TT was 11.5 to 12mpg, but that was the end of the 4-speed era, and with the rear end it had it just couldn't hold 4th with...
by tibbitts
Tue Jul 12, 2016 7:59 am
Forum: Investing - Help with Personal Investments
Topic: S&P500 vs 3.5% Guaranteed
Replies: 22
Views: 2818

Re: S&P500 vs 3.5% Guaranteed

Without regard for what you should do, I just wanted to note, if anyone here tells you that you should wait to try to get in at a lower price, you should ask them if they are selling stocks and planning to do the same. If they aren't selling stocks with the plan to buy lower, why are they confident...
by tibbitts
Tue Jul 12, 2016 7:44 am
Forum: Personal Consumer Issues
Topic: Passwords
Replies: 72
Views: 4495

Re: Passwords

Is there a program or an app or something that will help me both generate passwords for my many different accounts and keep track of them? I want my accounts to stay secure and I know changing passwords frequently is important to do...but how???? Thanks. I'm not sure it's been established that chan...
by tibbitts
Mon Jul 11, 2016 6:43 pm
Forum: Personal Consumer Issues
Topic: Buying a Fifth Wheel-Help
Replies: 34
Views: 3189

Re: Buying a Fifth Wheel-Help

Thanks to all for the responses. You have convinced me of the virtues of a "test drive" prior to purchase. I have the TRUCK figured out. Next is the TRAILER decision. I was not aware of the rental possibilities. It turns out that there are many. In fact, you can rent a Trailer on site at ...
by tibbitts
Sun Jul 10, 2016 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: wait for the drop?
Replies: 75
Views: 6690

Re: wait for the drop?

This is pretty simple. You intentionally got out at a certain level, so you get back in below that level. What if you never see that level again? There's no need to get back in. Some people never invest in equities and still do okay.
by tibbitts
Sat Jul 09, 2016 1:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Dividend Appreciation (VDAIX) and Vanguard High Dividend Yield (VHDYX)
Replies: 20
Views: 1118

Re: Vanguard Dividend Appreciation (VDAIX) and Vanguard High Dividend Yield (VHDYX)

Dividend Appreciation tracks the Nasdaq US Dividend Achievers Select, while High Dividend Yield tracks the FTSE High Dividend Yield Index. It seems to me the first index would be better for gains at this time. Do you think High Dividend yield somewhat mimics Vanguard Equity-Income? The obvious ques...

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