Search found 6150 matches

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: 365

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: 29
Views: 1893

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: 6170

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: 4462

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: 3121

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: 2765

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: 64
Views: 3579

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: 3121

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: 6496

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: 1022

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...
by tibbitts
Sat Jul 09, 2016 1:43 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Dividend Appreciation (VDAIX) and Vanguard High Dividend Yield (VHDYX)
Replies: 20
Views: 1022

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...
by tibbitts
Sat Jul 09, 2016 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Happiness
Replies: 94
Views: 10866

Re: Money vs. Happiness

What is so bad about living in Alaska and making a ton of money? I am not seeing the downside. Have you actually lived in Alaska, particularly during the "off season" (basically most of the year)? I love visiting Alaska but can see where it would be difficult for most people to live there...
by tibbitts
Sat Jul 09, 2016 1:15 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Dividend Appreciation (VDAIX) and Vanguard High Dividend Yield (VHDYX)
Replies: 20
Views: 1022

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...
by tibbitts
Sat Jul 09, 2016 11:30 am
Forum: Personal Consumer Issues
Topic: 2000 Honda Accord - Wheel Bearing Cost$ 300!!!
Replies: 48
Views: 3003

Re: 2000 Honda Accord - Wheel Bearing Cost$ 300!!!

My rotors are warped. I didn't know before. Have been driving for 5 years with warped rotors, thought it was weird shaking during braking. I just leave it alone -_-;? If it's very very minor you might be able to let it go. My rotors were warped and it wasn't too bad except for medium to heavy braki...
by tibbitts
Sat Jul 09, 2016 11:28 am
Forum: Investing - Theory, News & General
Topic: Fidelity customers: Have you experienced pressure to buy active funds?
Replies: 59
Views: 3174

Re: Fidelity customers: Have you experienced pressure to buy active funds?

Fidelity has never contacted me, but I have only personal accounts (vs. employer) and only $100k at fidelity.
by tibbitts
Sat Jul 09, 2016 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Employment ideas for former Police?
Replies: 37
Views: 2455

Re: Employment ideas for former Police?

I'm looking at quitting and going to the private sector. The problem is I'm having a real hard time finding a field where what I have done as a State Trooper for 8 years would assist me in getting hired. Any ideas? I'm stressing about it and it's time for me to move along from government employment...
by tibbitts
Sat Jul 09, 2016 9:31 am
Forum: Investing - Theory, News & General
Topic: Why do people invest in Long Term Bonds now?
Replies: 44
Views: 4822

Re: Why do people invest in Long Term Bonds now?

I have noticed in the literature and also by some in this forum suggestions of investing in long term treasury bonds. I wonder why anyone would do that in this environment when there is a matter of time before rates go up. Can someone explain that? It can be explained largely by your assumption bei...
by tibbitts
Sat Jul 09, 2016 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Question about adding new wife to my credit cards
Replies: 16
Views: 1316

Re: Question about adding new wife to my credit cards

Something I had not understood until recently is that if you have a joint account, you can never, at least at any of my credit card providers, remove one of the joint account holders. I was surprised to learn that. That does create a potential problem under any number of circumstances.
by tibbitts
Sat Jul 09, 2016 8:19 am
Forum: Investing - Theory, News & General
Topic: Fidelity pushing for high equity allocation?
Replies: 7
Views: 671

Re: Fidelity pushing for high equity allocation?

I assist my mid-40's unmarried daughter with her investment planning. She is a nurse working at a hospital where Fidelity is the 403B provider. Fido offers a dizzying array of funds in the plan but fortunately there are enough index funds (what used to be Spartan funds but I know there has been a r...
by tibbitts
Sat Jul 09, 2016 8:08 am
Forum: Personal Consumer Issues
Topic: Costco Tires - Anyone ever frustrated?
Replies: 86
Views: 5562

Re: Costco Tires - Anyone ever frustrated?

I'm a firm believer in DYI if you have the ability. If not, many non-Costco alternatives are out there. Don't tie yourselves down to Costco --- it's not the only game in town. Also, if you have a nearby mall, most Sears stores are able to rotate tires (free too, if you buy through them). You can us...
by tibbitts
Sat Jul 09, 2016 8:03 am
Forum: Personal Consumer Issues
Topic: Costco Tires - Anyone ever frustrated?
Replies: 86
Views: 5562

Re: Costco Tires - Anyone ever frustrated?

Yes but those who aren't familiar with the process should be aware that you may need a serious compressor and impact wrench to break lug nuts free. At worst, you would need a big breaker bar. But it's worth noting that electric impact wrenches have come a LONG way. My Milwaukee cordless electric wi...
by tibbitts
Fri Jul 08, 2016 10:38 pm
Forum: Personal Consumer Issues
Topic: Buying a Fifth Wheel-Help
Replies: 34
Views: 3121

Re: Buying a Fifth Wheel-Help

Not a good analogy, "throwing dollars out the window every two miles" That is stupid, driving an RV is not, if that is what you want to do and can afford the expense of owning, storing and driving whatever RV you have. ... Remember life is about living not living the BH way, that is just ...
by tibbitts
Wed Jul 06, 2016 6:26 pm
Forum: Personal Consumer Issues
Topic: Buying a Fifth Wheel-Help
Replies: 34
Views: 3121

Re: Buying a Fifth Wheel-Help

I bought my most recent rv with gas at about $1.20. I still remember the shock of seeing $2 for the first time. Since this is the bogleheads forum, make sure you know how you'll feel about 6-9mpg at $4-$5/gal or even more. If somebody had said to me gas would jump 4x in just a few years after I'd bo...
by tibbitts
Wed Jul 06, 2016 6:13 pm
Forum: Personal Consumer Issues
Topic: Costco Tires - Anyone ever frustrated?
Replies: 86
Views: 5562

Re: Costco Tires - Anyone ever frustrated?

Yet another reason I do all my own work on my car. Turn on the compressor and unwind the hose to get the lugnuts off with the air wrench. Do whatever needs to be done, put stuff away. I don't rotate except for winter/summer/winter changeovers but that's all of 20 minutes with one of my kids helping...
by tibbitts
Wed Jul 06, 2016 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Feeling stuck in Career/ Portfolio review
Replies: 31
Views: 4059

Re: Feeling stuck in Career

Hi, I'm 30 years old and I graduated college with an Associates degree in Applied Science and got my Licence as a Radiology Technologist when I was 22. I've been working in my field since and even furthered my degree and got my license in CT. I've been at the same hospital for 5 years and I've only...
by tibbitts
Wed Jul 06, 2016 7:48 am
Forum: Personal Consumer Issues
Topic: Buying a Fifth Wheel-Help
Replies: 34
Views: 3121

Re: Buying a Fifth Wheel-Help

First time buyer with no experience with RV travel. They seem to come in all sizes but around 29-30 ft looks about right for me. Used or New? One Manufacturer stand out? Which truck to buy? Same questions. Experience counts. Any help would be appreciated. Jim You need to be over on rv.net, not here...
by tibbitts
Tue Jul 05, 2016 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Go After American Airlines?
Replies: 45
Views: 3973

Re: Should I Go After American Airlines?

The fact is that you were fully aware that you couldn't change the ticket or get any credit for it, yet you called AA anyway. And perhaps there was then some misunderstanding and they cancelled the ticket, but I'm betting that was just mutual miscommunication. So I think AA went out of its way to be...
by tibbitts
Mon Jul 04, 2016 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Employer and TIAA Traditional changes -advice please
Replies: 26
Views: 1297

Re: Employer and TIAA Traditional changes -advice please

I would have guessed that when IRAs moved from 3% to 1%, you would have been able to still freely transfer within a legacy account (not add new funds, but transfer within the account) under the old terms. But that's not what happened. So to me those types of issues would be the concern - that even ...
by tibbitts
Mon Jul 04, 2016 1:45 pm
Forum: Investing - Theory, News & General
Topic: A favorite Peter Lynch quote.
Replies: 26
Views: 3401

Re: A favorite Peter Lynch quote.

Peter Lynch is saying that the long term of "the Market" is up. The next thousand points are insignificant as that`s short term thinking. What`s so hard to understand ? People, for some reason, love to dissect statements made and interpret them the way they want to. Isn`t buy and hold the...
by tibbitts
Mon Jul 04, 2016 10:41 am
Forum: Investing - Theory, News & General
Topic: A favorite Peter Lynch quote.
Replies: 26
Views: 3401

Re: A favorite Peter Lynch quote.

I don't know what it is that we have to demean the accomplishments of others. Oh, he was in the right place at the right time. Or he was just lucky. Etc. Etc. It doesn't really sit well with me. I don't believe it demeans anyone to say he was the right person in the right place at the right time. I...
by tibbitts
Mon Jul 04, 2016 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Money vs. Happiness
Replies: 94
Views: 10866

Re: Money vs. Happiness

You are 30. You could well live into your 90s. My advice is stick it out for another 5 years or more and save that much more. A lot of success stories are those that persevered and worked long grueling hours and did what was uncomfortable. Be grateful for the opportunity you have been given. A lot ...
by tibbitts
Mon Jul 04, 2016 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Employer and TIAA Traditional changes -advice please
Replies: 26
Views: 1297

Re: Employer and TIAA Traditional changes -advice please

I would have guessed that when IRAs moved from 3% to 1%, you would have been able to still freely transfer within a legacy account (not add new funds, but transfer within the account) under the old terms. But that's not what happened. So to me those types of issues would be the concern - that even ...
by tibbitts
Mon Jul 04, 2016 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Living off dividends/interest in retiremeht
Replies: 60
Views: 6477

Re: Living off dividends/interest in retiremeht

Who makes this downward stock price adjustment? Why are are we seeing massive increases in dividend paying stock prices if there is this downward stock price adjustment after each dividend payout? I don't understand. I guess I was under the mistaken impression that stock price isn't entirely compri...
by tibbitts
Mon Jul 04, 2016 7:57 am
Forum: Investing - Theory, News & General
Topic: A favorite Peter Lynch quote.
Replies: 26
Views: 3401

Re: A favorite Peter Lynch quote.

Peter Lynch said several times 15 or so years ago: I have no idea whether the next thousand points on the Dow is up or down, but I know the next ten thousand points are up. I don't think that's useful or incisive. I think we have to recognize him for, perhaps, having a talent that fit his time (or ...
by tibbitts
Mon Jul 04, 2016 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Ever Feel Unworthy of Growing income?
Replies: 34
Views: 3362

Re: Ever Feel Unworthy of Growing income?

Most of us haven't had growing income for a decade or two, in either real or, in many cases, even nominal terms, so we wouldn't know. However, I do think that some employers are just a little late in recognizing that most employees no longer have expectations for real wage gains, or even stability. ...
by tibbitts
Sun Jul 03, 2016 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Employer and TIAA Traditional changes -advice please
Replies: 26
Views: 1297

Re: Employer and TIAA Traditional changes -advice please

So I don"t see how they could automatically slot future contributions into the Retirement Choice option. As I understand it, all contributions are based on the inception and terms of the original contract - in this case, Legacy. I would have guessed that when IRAs moved from 3% to 1%, you woul...
by tibbitts
Fri Jul 01, 2016 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Where were you financially when you were at 30?
Replies: 204
Views: 19432

Re: Where were you financially when you were at 30?

I am stepping into my 30s at the end of this year. 30 is generally taken as a milestone age in a person's life. Most people in this forum have accomplished building a significant asset (I believe at least half here are millionaires). To become as financially successful as you guys is my dream. so I...
by tibbitts
Thu Jun 30, 2016 10:28 pm
Forum: Personal Consumer Issues
Topic: Best martial arts for kids fitness?
Replies: 28
Views: 1641

Re: Best martial arts for kids fitness?

Not a parent, so maybe I'm completely wrong, but... I guess I'd ask her why "karate" (or other martial arts) appeals to her, and that would maybe lead to other alternatives. And I'd ask if there were any activities you could do with her yourself, vs. being carted off to another organized c...
by tibbitts
Tue Jun 28, 2016 11:24 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity funds beat Vanguard in terms of dividend timing?
Replies: 11
Views: 1287

Re: Fidelity funds beat Vanguard in terms of dividend timing?

Many of Fidelity's index funds pay dividends annually or semi-annually rather than quarterly, as Vanguard does. Assume for this exercise that Fidelity and Vanguard funds are otherwise identical in other respects (expense ratios, etc). If you're someone who reinvests all dividends anyway and has to ...
by tibbitts
Wed Jun 22, 2016 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Cref expenses, which fund to use?
Replies: 18
Views: 1304

Re: TIAA Cref expenses, which fund to use?

Sure, TIAA Traditional adds value through the risk-return tradeoff of its yield. Did you need a bureaucracy of support staff making campus visits to explain that benefit of tiaa traditional to you? Actually, there have been nuances of TIAA traditional that reps knew that I didn't, even though I've ...
by tibbitts
Wed Jun 22, 2016 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Cref expenses, which fund to use?
Replies: 18
Views: 1304

Re: TIAA Cref expenses, which fund to use?

Does the complexity of TIAA Traditional and annuity wrappers for CREF funds add value to participants commensurate with the requisite higher fees, or does it more provide a mechanism for the Tiaa-Cref bureaucracy to justify its otherwise larger than necessary size? If not for TIAA the highest rate ...
by tibbitts
Wed Jun 22, 2016 7:53 am
Forum: Investing - Help with Personal Investments
Topic: Poor quality investment choices at work
Replies: 25
Views: 1896

Re: Poor quality investment choices at work

Somebody needs to retitle this "Excellent Quality Investment Choices at Work"
by tibbitts
Tue Jun 21, 2016 7:44 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement 2055 Fund - Rate of return 2%!
Replies: 25
Views: 4151

Re: Vanguard Target Retirement 2055 Fund - Rate of return 2%!

Hello, I am 24 and have contributed the maximum ($5,500) to my Roth IRA with the Vanguard Target Retirement 2055 Fund. I have about $18,000 in the fund right now. However, throughout the past 3 years my rate of return is just 2%. I believe I have made about $200 in investment returns total... I am ...
by tibbitts
Mon Jun 20, 2016 5:39 pm
Forum: Personal Consumer Issues
Topic: Selling Two Cycle Mercury Outboard 6HP Model Year 2000
Replies: 13
Views: 1058

Re: Selling Two Cycle Mercury Outboard 6HP Model Year 2000

furnace wrote:
livesoft wrote:When you looked online for similar used merchandise what did you find already?



Thanks for being helpful.

What reply were you expecting? Seems like an odd question that could indeed be better answered by searching for similar models for sale.
by tibbitts
Sun Jun 19, 2016 7:07 pm
Forum: Personal Consumer Issues
Topic: Buying a used car from a rental agency
Replies: 23
Views: 2006

Re: Buying a used car from a rental agency

I have bought two rental cars with less than 15k miles, but from new car dealers not rental agencies directly. Likely many of the cars at new car dealer used car lots are from major rental companies (if I recall correctly, my last car was an Alamo car.)
by tibbitts
Sun Jun 19, 2016 11:25 am
Forum: Investing - Theory, News & General
Topic: Why You Shouldn't Do International Stocks?
Replies: 60
Views: 7606

Re: Why You Shouldn't Do International Stocks?

Here are a couple reasons below to take into consideration before thinking of taking the plunge into International stocks. 1.) You have everybody in the crowd telling you to invest in International stocks. Except for a couple of lone voices and those voices just so happen to belong to what are argu...
by tibbitts
Sat Jun 18, 2016 11:11 am
Forum: Personal Consumer Issues
Topic: website hosting for low traffic website?
Replies: 17
Views: 1167

Re: website hosting for low traffic website?

mouses wrote:I'm looking at buying hosting for a low traffic website I'm building. Is GoDaddy the cheapest reliable place? Thanks.

It depends on the software you require and the amount of space you'll need.
by tibbitts
Sat Jun 18, 2016 9:58 am
Forum: Investing - Help with Personal Investments
Topic: REIT Allocation For a Renter
Replies: 5
Views: 580

Re: REIT Allocation For a Renter

I am generally reading that an ideal REIT asset allocation should be 5% to 10% of one's portfolio. However, most Americans and certainly most investors are homeowners and therefore usually have some home equity not included in their portfolio value. So the investor's true exposure to real estate is...
by tibbitts
Sat Jun 18, 2016 9:50 am
Forum: Personal Consumer Issues
Topic: Need advice ..Lexus battery fails when car is not driven 24 hrs
Replies: 87
Views: 4779

Re: Need advice ..Lexus battery fails when car is not driven 24 hrs

pbearn wrote:If the dealer can't/won't fix it, take it to a good independent mechanic.

1. Nobody in the real world knows a "good independent mechanic."

2. If you're going to throw thousands of dollars at it anyway (see #1), why not just buy a new car?
by tibbitts
Sat Jun 18, 2016 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Sell ibonds? Or hold?
Replies: 22
Views: 2882

Re: Sell ibonds? Or hold?

I redeemed some last week on Tuesday and funds deposited into checking account by Friday morning. Online on TD. You're obviously talking about already having a TD account. That's not the case where someone has PAPER I Bonds. Having a Treasury Direct account and placing your paper bonds into it is a...

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