Search found 6221 matches

by tibbitts
Wed Sep 28, 2016 7:22 am
Forum: Personal Finance (Not Investing)
Topic: What constitutes W2 or 1099 employee? (physician)
Replies: 4
Views: 199

Re: What constitutes W2 or 1099 employee? (physician)

I am a member of a private anesthesiologist group that currently pays two semi-retired anesthesiologists on a daily rate on the occasion they are needed. They were hired as W2 employees, even though they both had been paid as 1099s throughout their prior careers and desired to remain 1099 if possib...
by tibbitts
Mon Sep 26, 2016 9:46 pm
Forum: Personal Consumer Issues
Topic: Does it matter what type of college one goes to?
Replies: 111
Views: 4682

Re: Does it matter what type of college one goes to?

I don't see the point in asking this question since you already know that opinions and experiences will vary so widely. This is like the question of whether to invest internationally or not - you're looking for a definitive answer when there just isn't one.
by tibbitts
Sun Sep 25, 2016 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Management Strategies in Denver, Cabot Lodge, CL Wealth Magt, or Ann Vanderslice?
Replies: 7
Views: 750

Re: Retirement Management Strategies in Denver, Cabot Lodge, CL Wealth Magt, or Ann Vanderslice?

celia wrote:
retiredjg wrote:For example, the fact that a doctor has been sued for malpractice a time or two proves nothing about the doctor's competence.

If not, then how would you determine a doctor's competence?

You would have to apply a "degree of difficulty" factor for the number of suits to be significant.
by tibbitts
Sat Sep 24, 2016 10:33 am
Forum: Personal Consumer Issues
Topic: Fuel eco tires
Replies: 5
Views: 356

Re: Fuel eco tires

Our Honda has Goodyear Assurance tires. Their close to needing a replacement. We've gotten about 60k miles out of them. Don't have much to complain about except their louder than I would like. Anyone have a recommendation for fuel eco tires? I don't have that model tire but I don't know how to tell...
by tibbitts
Sat Sep 24, 2016 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Invest entire $1M windfall now or over time?
Replies: 39
Views: 4558

Re: Invest entire $1M windfall now or over time?

You're already in the market so ordinarily I'd say that you're just going to improve diversification. But compromise might not be a bad idea.

I will say that DCA made more sense to me when you could handily beat inflation after-tax with entirely risk-free investments. It's a tougher sell now.
by tibbitts
Thu Sep 22, 2016 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on TIAA Traditional and TIAA Real Estate given my AA?
Replies: 20
Views: 1624

Re: Thoughts on TIAA Traditional and TIAA Real Estate given my AA?

I'd double-check the minimum guaranteed rate for NEW money going into TIAA Traditional - I'm shocked that you can still get 3%. If you can, no objections to using it! I am a fan of TREA, but not in livesoft's "set-and-forget" mode - it's the one part of my portfolio where my IPS specifica...
by tibbitts
Tue Sep 20, 2016 7:54 am
Forum: Personal Consumer Issues
Topic: fax to and from email
Replies: 13
Views: 890

Re: fax to and from email

why not just email? Many business will not accept legal-ish documents by email but some will by fax. Some will only accept them via USmail or in person. I"ve recently experienced this with beneficiary designation forms, where many businesses also don't offer a web option. And before someone sa...
by tibbitts
Sun Sep 18, 2016 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Education cost and kids
Replies: 64
Views: 4505

Re: Education cost and kids

There are a lot of "send them to 2 years of community college and then finish a 4 year degree at an in state public college". Coming from a community college myself, when I started my 4 year degree, I found that one course (English) was accepted as transfer, so your mileage may vary. But ...
by tibbitts
Sun Sep 18, 2016 11:48 am
Forum: Investing - Theory, News & General
Topic: Never invest in ....... ?
Replies: 53
Views: 5145

Re: Never invest in ....... ?

There are certain areas of Investment Possibilities that are generally advised here as 'No Go Areas'. Examples are :- - Private Equity - High Yield (Junk) Debt/Bonds The thought occurs that if everyone is carefully avoiding these areas, then there must arrive some price (low) level at which these s...
by tibbitts
Sun Sep 18, 2016 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Why not take a loan for a car
Replies: 58
Views: 4109

Re: Why not take a loan for a car

Wouldn't it make sense to take out a loan for a car if I can get a 1.5% interest and put the extra cash in an index fund where average returns are 7% ? No. You are comparing a guaranteed return against what is pure speculation. Depending on your tax rate, you also have to subtract taxes from your i...
by tibbitts
Sun Sep 18, 2016 11:18 am
Forum: Personal Consumer Issues
Topic: Neighbors children; should we move?
Replies: 7
Views: 1694

Re: Neighbors children; should we move?

The parents are of the 50s mentality of we don't want to see you until dinner, so the kids have no supervision or rules.

I was a kid in the 50s and 60s but have no idea what you're talking about. What is this "50s mentality"? And what do you perceive the mentality is today?
by tibbitts
Sat Sep 17, 2016 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Help Me Analyze Finances Of Dental Practice I Might Buy Into [USA]
Replies: 50
Views: 2493

Re: Help Me Analyze Finances Of Dental Practice I Might Buy Into [USA]

...generally a 50/50 partnership seems like a horrible idea. What happens if you don't agree on... anything? what if I bought 33% of the practice instead of 50%? would you find that acceptable? thank you for your input If you search for discussions on 50% partnerships you'll find all kinds of infor...
by tibbitts
Sat Sep 17, 2016 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Help Me Analyze Finances Of Dental Practice I Might Buy Into [USA]
Replies: 50
Views: 2493

Re: Help Me Analyze Finances Of Dental Practice I Might Buy Into [USA]

he says he might continue to work 25 more years I'm not a dentist, but... I don't believe dentists should be working at 81, unless it's as the dental equivalent of a walmart greeter. I hope you've got a plan for taking sharp instruments out of his hands long before then. It's unrelated, but general...
by tibbitts
Sat Sep 17, 2016 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Experience with High Yielding Money Market Accounts
Replies: 25
Views: 2012

Re: Experience with High Yielding Money Market Accounts

Looking at depositaccounts.com/savings/... I see the following large banks with the present rates: Synchrony Bank - 1.05% Ally Bank - 1.00% Barclays - 1.00% CapitalOne360 - 1.00% Discover Bank - 0.95% American Express Bank, FSB - 0.95% I'd like to know your positive / negative experiences with any ...
by tibbitts
Sat Sep 17, 2016 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Warren Buffett Loves The S&P 500?
Replies: 14
Views: 2034

Re: Warren Buffett Loves The S&P 500?

When asked for investing advice, in nearly every interview Warren gives he recommends the S&P 500. In addition, he likes to point out the comparison between the S&P 500 and actively managed funds. And lastly, when covering general market topics he will usually mention the S&P. Why is th...
by tibbitts
Thu Sep 15, 2016 7:58 am
Forum: Investing - Theory, News & General
Topic: the upcoming bond bubble
Replies: 16
Views: 1971

Re: the upcoming bond bubble

I know that the general sentiment on this board is that there is no bond bubble and nothing to worry about in that sector, but let's pretend for a second that there actually was one. What do you suppose this would do to the rest of the market? Would the shock rout stocks as well? Nobody is saying t...
by tibbitts
Wed Sep 14, 2016 7:57 am
Forum: Personal Consumer Issues
Topic: Home Computer-Kids vs Data
Replies: 21
Views: 1246

Re: Home Computer-Kids vs Data

If I had kids the last thing I'd be worried about them viewing on an internet-connected laptop would be "financial data."
by tibbitts
Wed Sep 14, 2016 7:47 am
Forum: Investing - Help with Personal Investments
Topic: How much saved at 30 to be "done saving"
Replies: 35
Views: 6269

Re: How much saved at 30 to be "done saving"

I am always confused on this forum because 99% here swears on statistics and historical models (just like firecalc) for asset allocation and glide paths pasting many many links to Vanguard but when it comes to rates of return you think the worse. All mathematical models have variables. Isn't the wh...
by tibbitts
Sat Sep 10, 2016 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Spousal IRA -- Traditional vs Roth
Replies: 27
Views: 1691

Re: Spousal IRA -- Traditional vs Roth

It's not an answer you can calculate because there are too many assumptions this far away from using the money. Since you're in doubt, maybe do 50/50.
by tibbitts
Sat Sep 10, 2016 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: "Letter of Final Instructions"
Replies: 45
Views: 5739

Re: "Letter of Final Instructions"

This approach is good, Taylor, but one thing I have learned through a family death is to declutter(dont burden the kids with throwing away my stuff) and having every thing set up to transfer without probate. Beneficiaries designated for IRA, etc, POD for bank accounts, and TOD for house title and c...
by tibbitts
Sat Sep 10, 2016 7:31 am
Forum: Personal Consumer Issues
Topic: A/c service cost?
Replies: 9
Views: 1033

Re: A/c service cost?

AussieDad wrote:Just curious, what's a fair price to have a technician come out and add 2lbs or r22? I was just wondering if I got a good deal or not. Thanks

That wasn't a "good deal" in the sense that the tech didn't find and fix the leak.
by tibbitts
Thu Sep 08, 2016 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: How did your 401k fund grow from 2006 to 2016? please share. did you come out fine for 2008 crash?
Replies: 27
Views: 4025

Re: How did your 401k fund grow from 2006 to 2016? please share. did you come out fine for 2008 crash?

I starting investing 401k through ADP 401K company's plan in 2006 and contribute the max each year to it and I have the following. I have some extra fund in my checking account about $800,000 and I don't know if I want to put them in taxable index account due to the market is very high now. I would...
by tibbitts
Tue Sep 06, 2016 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: "Letter of Final Instructions"
Replies: 45
Views: 5739

Re: "Letter of Final Instructions"

This approach is good, Taylor, but one thing I have learned through a family death is to declutter(dont burden the kids with throwing away my stuff) and having every thing set up to transfer without probate. Beneficiaries designated for IRA, etc, POD for bank accounts, and TOD for house title and c...
by tibbitts
Sun Sep 04, 2016 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Military Retirement/Pension vs. Higher Income
Replies: 18
Views: 1618

Re: Military Retirement/Pension vs. Higher Income

I am a military physician making approximately 150K/yr and invest 41K/yr between TSP, IRA's and taxable. If I stayed in, I would have 9 more years until retirement at age 52 and would receive about 4k/yr thereafter from the pension. However, that is 150k/yr x 9 yrs vs. taking a higher paying job no...
by tibbitts
Sat Sep 03, 2016 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Core Bond Fund
Replies: 51
Views: 4662

Re: Vanguard Core Bond Fund

...We have to remember that some of the worst management mistakes in the history of VG bond funds occurred with the Total Bond Market Index Fund, not with any of the "managed" bond funds... "One of the worst management mistakes in the history of Vanguard bond funds" might be acc...
by tibbitts
Sat Sep 03, 2016 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Core Bond Fund
Replies: 51
Views: 4662

Re: Vanguard Core Bond Fund

My guess is the managers will try to reach for a little better yield which entails more risk. We will stay the course with Total Bond Index. We have to remember that some of the worst management mistakes in the history of VG bond funds occurred with the Total Bond Market Index Fund, not with any of...
by tibbitts
Fri Sep 02, 2016 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: treasurydirect conversion account transfer question
Replies: 14
Views: 771

Re: treasurydirect conversion account transfer question

Thanks to everyone who replied. It sounds like it would be correct to follow the TD directions to move the bonds.
by tibbitts
Thu Sep 01, 2016 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: treasurydirect conversion account transfer question
Replies: 14
Views: 771

Re: treasurydirect conversion account transfer question

After less than two months, TD converted all my paper EE and I-bonds to electronic. Now, they're all in a conversion account, and I want to move them to my regular non-conversion TD account. It seems that the way to do this is to access the conversion account, select "transfer securities"...
by tibbitts
Thu Sep 01, 2016 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: treasurydirect conversion account transfer question
Replies: 14
Views: 771

Re: treasurydirect conversion account transfer question

I received this upon asking TD this question: == Click the ManageDirect tab at the top of the page. Under the heading Manage My Securities, click "Transfer securities". On the Transfer page, choose the button beside the security type you want to transfer and click "Submit". On th...
by tibbitts
Thu Sep 01, 2016 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: treasurydirect conversion account transfer question
Replies: 14
Views: 771

Re: treasurydirect conversion account transfer question

How difficult was this to do? (Converting paper savings bonds to an electronic version.) Could you describe the process briefly if you have the time? Thanks for the favor. It seemed like Treasury Direct wanted you to jump through hoops when I read about it like getting things notarized and sending ...
by tibbitts
Thu Sep 01, 2016 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: treasurydirect conversion account transfer question
Replies: 14
Views: 771

treasurydirect conversion account transfer question

After less than two months, TD converted all my paper EE and I-bonds to electronic. Now, they're all in a conversion account, and I want to move them to my regular non-conversion TD account. It seems that the way to do this is to access the conversion account, select "transfer securities",...
by tibbitts
Sun Aug 28, 2016 6:55 pm
Forum: Personal Consumer Issues
Topic: Talk me out of 4500 purchase [Camera]
Replies: 133
Views: 8754

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: 133
Views: 8754

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: 4147

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: 4147

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: 57
Views: 7350

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: 934

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: 934

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: 3732

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: 1030

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: 1030

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: 2683

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: 571

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: 4226

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: 1434

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: 2386

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: 46
Views: 6299

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: 2386

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: 5847

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: 5847

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 ...

Go to advanced search