Search found 9253 matches

by tibbitts
Sun Nov 17, 2019 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card bonus question
Replies: 5
Views: 216

Re: Credit card bonus question

My experience is that the clock starts at approval, so you might lose a couple of weeks. Meeting minium spends for most cards is difficult for me.
by tibbitts
Sun Nov 17, 2019 10:21 pm
Forum: Personal Consumer Issues
Topic: Good DNS to use?
Replies: 11
Views: 543

Re: Good DNS to use?

If you are not sure if the slowness of loading web-pages on your machine is due to the the DNS server being used, try loading a web-page like www.google.com using its direct IP-address in your browser e.g. http://172.217.11.228. If using that method the web-page does not load fast then there is som...
by tibbitts
Sun Nov 17, 2019 9:22 pm
Forum: Personal Investments
Topic: When, whether to do Roth conversions - calculator?
Replies: 1
Views: 114

When, whether to do Roth conversions - calculator?

Does anyone know of a calculator that will recommend timing and amounts of Roth conversions, based on the following inputs: - total investments, and percentage in deferred IRAs; - age and future employment income post-retirment, if any; - state taxes on various types of income; - health insurance co...
by tibbitts
Sun Nov 17, 2019 8:56 pm
Forum: Personal Investments
Topic: Why do you have to "beat the market"?
Replies: 63
Views: 3321

Re: Why do you have to "beat the market"?

If you're a normal American making 50-60k a year, accepting average returns means you have to spend your entire life putting away a large portion of your salary AND wait 30-50 years until you can retire comfortably. If you could juice those returns, you could save less and retire much earlier--dras...
by tibbitts
Sun Nov 17, 2019 8:36 pm
Forum: Personal Consumer Issues
Topic: Good DNS to use?
Replies: 11
Views: 543

Re: Good DNS to use?

It seems like only a tiny percentage of slow website response times are due to DNS. Unless you mean seriously slow - like it's timing out on the first server it's trying.
by tibbitts
Sun Nov 17, 2019 8:07 pm
Forum: Personal Consumer Issues
Topic: Good DNS to use?
Replies: 11
Views: 543

Re: Good DNS to use?

I know I can Google it and find several alternate DNS servers, I found a post here on BH recommending 1.1.1.1 and 1.0.0.1. Of course there are Google's servers, OpenDNS, and other popular DNS servers. BUT -- I wonder if any tech-savvy BHer has any advice or should I go with any of the popular ones ...
by tibbitts
Sun Nov 17, 2019 4:25 pm
Forum: Investing - Theory, News & General
Topic: Long Term Bonds getting killed today
Replies: 89
Views: 10674

Re: Long Term Bonds getting killed today

Scooter57 wrote:
Sun Nov 17, 2019 2:02 pm
When investors aren't picky about what they buy and only concentrate on yield, risk is NOT baked into price.
Possibly the same argument can be made about any common investment today - quality down, risk up.
by tibbitts
Sun Nov 17, 2019 12:06 pm
Forum: Personal Investments
Topic: Why do you have to "beat the market"?
Replies: 63
Views: 3321

Re: Why do you have to "beat the market"?

I have said that for decades, If you have reached the land of financial independence without doing so, It makes no difference whatsoever :mrgreen: Exactly. The test will be when or if one or more generations of investors properly following a Boglehead approach are in fact not able to reach the land...
by tibbitts
Sun Nov 17, 2019 10:47 am
Forum: Personal Investments
Topic: Why do you have to "beat the market"?
Replies: 63
Views: 3321

Re: Why do you have to "beat the market"?

I here people always trying to "beat the market" or the S&P 500. Why would I want to or need to try and beat it? You don't hear a lot about that here, but... I think Bogleheads will be a different place if market (stock, bond) performance is terrible for some extended period of time. Right now we h...
by tibbitts
Sun Nov 17, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Is this a fair price for a wealth manager financial advisor?
Replies: 38
Views: 2428

Re: Is this a fair price for a wealth manager financial advisor?

I know you guys will say do it yourself using a three fund portfolio but my situation is not that simple. I wonder, generally, what would be so complex? Warren Buffett seems to think his heirs should use index funds. You might get better advice both from this forum and your paid advisers if you cou...
by tibbitts
Sat Nov 16, 2019 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Is this a fair price for a wealth manager financial advisor?
Replies: 38
Views: 2428

Re: Is this a fair price for a wealth manager financial advisor?

I don't think it's high but I know it's not fee-only if they charge AUM. I believe that the term "fee only" includes a service that charges an AUM fee. If that is so, and I think it is, this "fee only" terminology is full of misunderstandings. You're absolutely right, somehow I was confused because...
by tibbitts
Sat Nov 16, 2019 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Is this a fair price for a wealth manager financial advisor?
Replies: 38
Views: 2428

Re: Is this a fair price for a wealth manager financial advisor?

Scheduled to meet with a fee only financial advisor next week. Their group's fee is 10k per year plus 0.1% AUM. On investable assets of almost $5 million would be close to $15,000 per year. This seems high to me. What would be fair? I know you guys will say do it yourself using a three fund portfol...
by tibbitts
Sat Nov 16, 2019 3:55 pm
Forum: Personal Investments
Topic: overlap?
Replies: 9
Views: 418

Re: overlap?

Thank you for the thoughtful replies. I will spend the time getting the vanguard tool set up; I’ve been using Personal Capital for similar but will see if Vanguard might be more helpful. The Janus/fidelity funds were from old 401ks, I haven’t pulled the trigger on rolling them over to Vanguard just...
by tibbitts
Sat Nov 16, 2019 2:50 pm
Forum: Personal Investments
Topic: Investment Ideas
Replies: 56
Views: 3578

Re: Investment Ideas

I told the plan to my friend. He felt powered by knowing that a lot of Bogleheads approved it and it is really good opportunity he had to take that cash out money and use it for his benefits. He asked me to thank everyone. Please post any comments and I would appreciate that All the Bogleheads like...
by tibbitts
Sat Nov 16, 2019 2:19 pm
Forum: Personal Investments
Topic: overlap?
Replies: 9
Views: 418

Re: overlap?

Thank you for the thoughtful replies. I will spend the time getting the vanguard tool set up; I’ve been using Personal Capital for similar but will see if Vanguard might be more helpful. The Janus/fidelity funds were from old 401ks, I haven’t pulled the trigger on rolling them over to Vanguard just...
by tibbitts
Sat Nov 16, 2019 2:16 pm
Forum: Personal Investments
Topic: Keeping my Co. 401k
Replies: 18
Views: 825

Re: Keeping my Co. 401k

If you have a floor on the fixed account at 3% I'd keep it. If you have floor of 4%, your employer will have a lineup of Bogleheads begging to work there.
by tibbitts
Sat Nov 16, 2019 1:25 pm
Forum: Personal Investments
Topic: 50/50 to 45/55
Replies: 38
Views: 3009

Re: 50/50 to 45/55

An insight: 50/50 contains 45/55 as a subset so, with 50/50, you alread y have a 45/55 (or any other finely-tuned) AA. The 45/55 subset by itself is 95% of the whole. Is that big enough for you? If so, those extra bonds can't hurt. They are just a bit of a bonus income. I don't understand this - pl...
by tibbitts
Sat Nov 16, 2019 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 295
Views: 39552

Re: Do you have an umbrella policy?

There is basically no price break for me for going from $1M to $2M. Because I'm very indecisive, it would be easy for me to increase from $1M to $1.5M (if it were possible), but it's harder to go to $2M, but I might at some point.
by tibbitts
Sat Nov 16, 2019 12:00 pm
Forum: Investing - Theory, News & General
Topic: Should I abandon the Total International Stock Index Fund for greener pastures?
Replies: 113
Views: 11552

Re: Should I abandon the Total International Stock Index Fund for greener pastures?

Based on this thread I can see where there could be an argument - assume you base investments on past performance - for only investing in certain international markets, notably Australia, which has performed similarly to the U.S. for over a hundred years, but with different cycles, offering diversif...
by tibbitts
Sat Nov 16, 2019 11:26 am
Forum: Personal Consumer Issues
Topic: Digitizing Old Family Photos
Replies: 32
Views: 2172

Re: Digitizing Old Family Photos

And if they have profiles on findagrave.com (which you could create, if not), you could upload the photos there. I'd be wary of DVD, by the way. That's basically a dead format now. Or WikiTree, or FamilySearch, or Geni, or several other one-tree websites. I could cry when I think of the family phot...
by tibbitts
Sat Nov 16, 2019 11:22 am
Forum: Investing - Theory, News & General
Topic: What happened to FXNAX during 2008?
Replies: 24
Views: 1063

Re: What happened to FXNAX during 2008?

Does anybody have data/info what happened to US Bond Index Fund in 2008? Don't have data of Fidelity TB index performance, but Vanguard's fund, VBMFX, was up 5% in 2008. Paul Wait...wait... so I can actually make money off of bond index funds during market crash? It depends on the details and cause...
by tibbitts
Sat Nov 16, 2019 10:08 am
Forum: Personal Investments
Topic: Why am I taking so much risk?
Replies: 28
Views: 2898

Re: Why am I taking so much risk?

I am hoping to get a broad range of thoughts on the issue of risk, as it relates to my personal situation and risk tolerance. I am 56 years old, and my asset allocation is approximately 50/50. I am ten years from retirement. The closer I get to retirement, and the more I accumulate, the more anxiou...
by tibbitts
Sat Nov 16, 2019 9:37 am
Forum: Personal Finance (Not Investing)
Topic: What are the best jobs to downshift into?
Replies: 32
Views: 4232

Re: What are the best jobs to downshift into?

Teach at a community college. It can be full or part time. You can take summers or semesters off if you wish. If you're teaching online, you're free to travel anywhere there's good internet access. Generally that requires an M-degree at least, although it does depend on the subject and location. An...
by tibbitts
Sat Nov 16, 2019 9:25 am
Forum: Personal Investments
Topic: 50/50 to 45/55
Replies: 38
Views: 3009

Re: 50/50 to 45/55

I don't think most people can differentiate between five or even ten points in an allocation, because it all comes down to judgement. How you count things like TIAA RE, emerging market bonds, high yield bonds, etc. will determine what number you end up with, and it's not going to be very precise.
by tibbitts
Fri Nov 15, 2019 9:01 am
Forum: Personal Finance (Not Investing)
Topic: What are the best jobs to downshift into?
Replies: 32
Views: 4232

Re: What are the best jobs to downshift into?

Teach at a community college. It can be full or part time. You can take summers or semesters off if you wish. If you're teaching online, you're free to travel anywhere there's good internet access. Generally that requires an M-degree at least, although it does depend on the subject and location. An...
by tibbitts
Wed Nov 13, 2019 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4141
Views: 794924

Re: What's Your Credit Card Rewards Strategy?

I think I'll piggy back here with this question. Is the Gold Delta card worth it if the offer is 70,000 miles? My current rewards strategy is Chase all the way: Reserve, Freedom Unlimited, Freedom, Business Ink Cash. We always fly Delta, but find the Chase Ultimate rewards points to be more flexibl...
by tibbitts
Tue Nov 12, 2019 9:05 am
Forum: Personal Investments
Topic: TIAA's real estate fund
Replies: 11
Views: 810

Re: TIAA's real estate fund

Here is the link for who is eligible: https://www.tiaa.org/public/retire/financial-products/annuities/annuity-ira-benefits I did know that you could qualify by relationship but did not realize how broad the definition had become. Yes, as this TIAA video about who counts as a family member indicates...
by tibbitts
Mon Nov 11, 2019 7:43 pm
Forum: Personal Investments
Topic: About to put $ in Fixed income, which one?
Replies: 16
Views: 1877

Re: About to put $ in Fixed income, which one?

If you can move money around to maintain your asset allocation and have a deferred plan with a stable value fund, it might pay more than Prime.
by tibbitts
Mon Nov 11, 2019 7:35 pm
Forum: Personal Investments
Topic: Will we be OK at 3% WR?
Replies: 290
Views: 19334

Re: Will we be OK at 3% WR?

I do enjoy my career, but it is only a means to an end. My work, while giving me significant time off, greatly limits our ability to travel during much of the year. Considering that our desired spending is only around half of our current income, an early retirement (age 53-55) is very much within o...
by tibbitts
Sun Nov 10, 2019 12:04 am
Forum: Personal Investments
Topic: Spend It All vs. Leave $$ for the Kids
Replies: 192
Views: 14776

Re: Spend It All vs. Leave $$ for the Kids

I don't have kids, but have someone who's like one to me, and I want to make sure there's enough money to take care of me when I'm old. She might have to make decisions for me, and that will be enough of a nuisance without her having to think about unreasonable financial limitations. She and her fam...
by tibbitts
Sat Nov 09, 2019 11:54 pm
Forum: Personal Consumer Issues
Topic: recommendation request for cell data service and device
Replies: 9
Views: 860

Re: recommendation request for cell data service and device

Thanks to everyone for the suggestions - I'll research each one further and choose one to try. The amount of data is somewhat of a worst-case based on what I use at home now.
by tibbitts
Sat Nov 09, 2019 10:07 pm
Forum: Personal Investments
Topic: Retire at 50(ish) possible?
Replies: 38
Views: 5896

Re: Retire at 50(ish) possible?

Profile - 45 years, single, no kids Portfolio - $605,000 (as of EOD Fri) : 35% Large, 28% Small, 19% International, 16% Bonds, 2% Cash [Portfolio split: 75% in Taxable, 25% in 401k] Contribution rate - $65,000/yr Debts - Car loan at 0%, $450/month, 25 mos. left, will be channeling this into my Port...
by tibbitts
Sat Nov 09, 2019 11:29 am
Forum: Personal Investments
Topic: Will we be OK at 3% WR?
Replies: 290
Views: 19334

Re: Will we be OK at 3% WR?

" If history is any guide for the future , then withdrawal rates of 3% and 4% are extremely unlikely to exhaust any portfolio of stocks and bonds during any of the payout periods shown in Table 1. In those cases, portfolio success seems close to being assured." Throughout the period used for backte...
by tibbitts
Sat Nov 09, 2019 11:16 am
Forum: Personal Consumer Issues
Topic: How bad business travel is?
Replies: 61
Views: 4693

Re: How bad business travel is?

Could somebody that travels over 20% of their time calculate what the bonus points, mileage and perks are actually worth? Also don't use the rack rates. For example, if your points get you a one week stay at the Hyatt Regency Maui Resort And Spa - use the normal rate you would pay (not the $900 per...
by tibbitts
Sat Nov 09, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: How bad business travel is?
Replies: 61
Views: 4693

Re: How bad business travel is?

The things that can make or break business travel are the travel policies of the company. Do you always have to take the least cost flights even if you are routed 1000 miles out of the way? Do you have to stay in cheap motels 50 miles away when there are moderate priced ones at your destination? Do...
by tibbitts
Sat Nov 09, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: After 2 weeks on new job, I am wanting to return to my old job, this is a terrible idea right?
Replies: 64
Views: 6369

Re: After 2 weeks on new job, I am wanting to return to my old job, this is a terrible idea right?

I would wait for you meeting and see what happens then, since you'll probably know what your option actually are or aren't.
by tibbitts
Sat Nov 09, 2019 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Do you charge your employer for the time that you spend working on your off days?
Replies: 145
Views: 7559

Re: Do you charge your employer for the time that you spend working on your off days?

This is a judgement you have to make based on overall compensation. If you have flexibility in hours and have somewhat unofficial comp time, then that seems resonable, but only you know your situation. From a business standpoint it's a vulnerability to have only one person be able to resolve problem...
by tibbitts
Fri Nov 08, 2019 9:49 am
Forum: Investing - Theory, News & General
Topic: Bond yield too low, how about high yield stock?
Replies: 24
Views: 1791

Re: Bond yield too low, how about high yield stock?

10 yield treasure yield drop below 2%. many high divdend stock (T, VZ, MO, PG, MSFT, JNJ) pays >4% dividend. for aging population, instead of bond, why not high dividend stock. Some might argue the stock might drop. But you can re-invest dividend and buy at discount. Also high dividend stock is usu...
by tibbitts
Thu Nov 07, 2019 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve - Fees Waived?
Replies: 54
Views: 4944

Re: Chase Sapphire Reserve - Fees Waived?

I understand your point. Though you had to "spend" something to get it offset with the credit. I need to spend it before I get it back. It's not like you just get the $300 come back on your statement for the sake of having paid the annual fee. I'm not trying to be argumentative, but I would like to...
by tibbitts
Thu Nov 07, 2019 7:11 pm
Forum: Personal Consumer Issues
Topic: recommendation request for cell data service and device
Replies: 9
Views: 860

Re: recommendation request for cell data service and device

Try Clark Howard’s recs. https://clark.com/cell-phones/best-cell-phone-plans-deals/ Black Friday cell phone deals should be starting soon. Thanks, but my understanding is that most of the comparisons don't consider, and better cellphone deals don't include, hotspot data - either on a separate devic...
by tibbitts
Wed Nov 06, 2019 11:49 pm
Forum: Personal Consumer Issues
Topic: recommendation request for cell data service and device
Replies: 9
Views: 860

recommendation request for cell data service and device

I'm about to lose access to my eployer's Sprint Spark hotspot. I only have prepaid service for calls and text on my personal cell phone now - I don't use it much, I just use Google voice with wifi or with the Spark. When I'm home, I have conventional cable internet, but frequently spend time where I...
by tibbitts
Wed Nov 06, 2019 10:40 pm
Forum: Personal Investments
Topic: Will we be OK at 3% WR?
Replies: 290
Views: 19334

Re: Will we be OK at 3% WR?

The historical average returns, on which past SWR determinations are based, are 10% for stocks and 7% for bonds. Good luck trying to get anything close to that now. Perhaps at least some of your concern about low WR stems from this fundamental miss-understanding of SWR studies. They are NOT based o...
by tibbitts
Wed Nov 06, 2019 9:34 pm
Forum: Personal Investments
Topic: Will we be OK at 3% WR?
Replies: 290
Views: 19334

Re: Will we be OK at 3% WR?

The historical average returns, on which past SWR determinations are based, are 10% for stocks and 7% for bonds. Good luck trying to get anything close to that now. Perhaps at least some of your concern about low WR stems from this fundamental miss-understanding of SWR studies. They are NOT based o...
by tibbitts
Wed Nov 06, 2019 8:47 pm
Forum: Personal Investments
Topic: Will we be OK at 3% WR?
Replies: 290
Views: 19334

Re: Will we be OK at 3% WR?

The historical average returns, on which past SWR determinations are based, are 10% for stocks and 7% for bonds. Good luck trying to get anything close to that now. Perhaps at least some of your concern about low WR stems from this fundamental miss-understanding of SWR studies. They are NOT based o...
by tibbitts
Wed Nov 06, 2019 7:45 pm
Forum: Personal Investments
Topic: Will we be OK at 3% WR?
Replies: 290
Views: 19334

Re: Will we be OK at 3% WR?

If you aren’t okay looking at a constantly declining balance, a % WR of any rate will not be a good thing for you. I know it wouldn’t be for me or most rational beings. You should also look at passive income sources to add to your portfolio as well so as not to be hammered by the draw down. -TheDDC...
by tibbitts
Wed Nov 06, 2019 9:49 am
Forum: Personal Investments
Topic: Will we be OK at 3% WR?
Replies: 290
Views: 19334

Re: Will we be OK at 3% WR?

I always wonder what the backstory is that causes a long-time member of the forum who has many posts to ask a question like the one posed here. Just imagine if livesoft asked that question or nisiprius! Wouldn't you wonder what was going on in their lives? Everyone probably likes to check in someti...
by tibbitts
Wed Nov 06, 2019 8:40 am
Forum: Investing - Theory, News & General
Topic: Tax Disadvantage of Index Funds
Replies: 10
Views: 1023

Re: Tax Disadvantage of Index Funds

When analysts and authors list out the advantages and disadvantages of owning index funds vs. individual stocks, I have yet to find any information on the clear tax disadvantages of owning index funds. Dividends on common shares are qualified and taxed a top federal rate of 20%, while dividends pai...
by tibbitts
Wed Nov 06, 2019 8:34 am
Forum: Personal Investments
Topic: convincing someone of the wisdom of 'buy and hold' instead of selling in a market crash
Replies: 38
Views: 2623

Re: convincing someone of the wisdom of 'buy and hold' instead of selling in a market crash

Unless you have a Delorean that runs on plutonium market timing is a terrible idea most of the time. If most active managers who work 24/7 can’t get it right what makes your dad or any other person think he/she can do it? Ask your dad to reflect back on the last two decades. How well did he predict...
by tibbitts
Wed Nov 06, 2019 8:29 am
Forum: Personal Investments
Topic: choosing between VTSAX and VTI
Replies: 17
Views: 1199

Re: choosing between VTSAX and VTI

When I compare VTSAX and VTI the only differences I see are that VTSAX has a $3000 minimum purchase (whereas VTI has none) and has an expense ratio of .04% (whereas VTI is .03). So is there any reason I wouldn't choose VTI? The accounts in question are both taxable and tax-advantaged, and both trad...
by tibbitts
Wed Nov 06, 2019 8:20 am
Forum: Personal Investments
Topic: Will we be OK at 3% WR?
Replies: 290
Views: 19334

Re: Will we be OK at 3% WR?

I always wonder what the backstory is that causes a long-time member of the forum who has many posts to ask a question like the one posed here. Just imagine if livesoft asked that question or nisiprius! Wouldn't you wonder what was going on in their lives? Everyone probably likes to check in someti...