Search found 8521 matches

by tibbitts
Mon Apr 22, 2019 7:56 am
Forum: Personal Investments
Topic: T. Rowe Price Claims they consistently beat Indexing
Replies: 33
Views: 6053

Re: T. Rowe Price Claims they consistently beat Indexing

About to open a six figure position in Blue Chip Growth Fund (TBCIX). These kinds of nuggets are what keep me coming back to Bogleheads, time and again! That seems like an odd nugget to take away from Bogleheads. I'd only invest six figures if I had at least eight figures to invest. As it is .15% o...
by tibbitts
Sun Apr 21, 2019 10:31 pm
Forum: Personal Investments
Topic: T. Rowe Price Claims they consistently beat Indexing
Replies: 33
Views: 6053

Re: T. Rowe Price Claims they consistently beat Indexing

I owned about 5 TRP active funds from the early to late 1990s. TRP had a growth-at-a-reasonable-price philosophy across all these funds, so for year after year they all underperformed any reasonable index. Of course as it turned out index performance at the time was being driven by growth-at-an-unre...
by tibbitts
Sun Apr 21, 2019 6:07 pm
Forum: Personal Consumer Issues
Topic: update 70s kitchen or nah?
Replies: 48
Views: 3135

Re: update 70s kitchen or nah?

Funny, I didn't even ask about getting my money back. Not even a consideration tbh. I'm 70 and he's 80 and painting the cabs I think is out of the question.. Guess I've watched too many flip shows where a house has a perfectly good kitchen but the wife says "not my style!" so they gut the place 😕 ....
by tibbitts
Sun Apr 21, 2019 5:53 pm
Forum: Personal Consumer Issues
Topic: Tips for getting the most out of your cruise?
Replies: 53
Views: 3232

Re: Tips for getting the most out of your cruise?

For a great introduction to cruising, check out the talk on RickSteves.com. Click on "Watch,Read,Listen" and then click on "Travel Talks" and you will see the one on "Cruising". Lots of good information on getting the most value out of a cruise. Thanks. We had no idea he had anything about cruising...
by tibbitts
Sun Apr 21, 2019 5:47 pm
Forum: Personal Consumer Issues
Topic: Tips for getting the most out of your cruise?
Replies: 53
Views: 3232

Re: Tips for getting the most out of your cruise?

Thanks for all the tips. FWIW, We chose RCI because they were rated high when traveling with teens and tweens. I see they have different programs for each age group, so they don't need to be together or with their parents all day. :mrgreen: We also chose a room out the back of the boat because the ...
by tibbitts
Sun Apr 21, 2019 5:38 pm
Forum: Personal Consumer Issues
Topic: Tips for getting the most out of your cruise?
Replies: 53
Views: 3232

Re: Tips for getting the most out of your cruise?

Look at the deck plan for your ship; the stairs on the ends tend to be rarely used and sometimes lead to less populated public areas. Bibulous Frugality: * If your family likes soft drinks or mixers for alcoholic drinks, bring aboard "12 standard (17 oz.) cans, bottles or cartons per stateroom." Yo...
by tibbitts
Sun Apr 21, 2019 2:31 pm
Forum: Personal Consumer Issues
Topic: Tips for getting the most out of your cruise?
Replies: 53
Views: 3232

Re: Tips for getting the most out of your cruise?

Cancel is my best tip - even the high end cruises pale in comparison a non-cruised based itinerary. Another troll, apparently. This is inapposite. Cruises are inherently a different experience from other forms of vacation, and they vary as widely in cost and character as do other types of recreatio...
by tibbitts
Sun Apr 21, 2019 2:12 pm
Forum: Investing - Theory, News & General
Topic: Re-Examining an assumption: 45% bonds in retirement?
Replies: 40
Views: 3740

Re: Re-Examining an assumption: 45% bonds in retirement?

Bogleheads....My IPS has me on a glidepath to 45% bonds (currently 21%) over the next 9 years. But I am wondering about something. The historical yield on bonds is much higher than current returns, and yields do not seem likely to approach historical levels anytime soon. I cannot predict the future...
by tibbitts
Sun Apr 21, 2019 11:54 am
Forum: Personal Investments
Topic: Investing for siblings
Replies: 21
Views: 1421

Re: Investing for siblings

I don't think this is as much an allocation or investment selection issue as it is a legal and tax issue. It seems like there are a lot of pitfalls here, so as others have said much more information is necessary.
by tibbitts
Sat Apr 20, 2019 6:25 pm
Forum: Personal Consumer Issues
Topic: Windows 7 end of support - Jan 14, 2020
Replies: 69
Views: 3500

Re: Windows 7 end of support - Jan 14, 2020

The difference, to me at least, is that car maintenance generally deals with wear and tear of a mechanical product while all those security fixes over the 10 year lifetime of Windows 7 are essentially product defects. How long should the warranty for product defects be? For as long as such defects ...
by tibbitts
Sat Apr 20, 2019 1:04 pm
Forum: Personal Consumer Issues
Topic: Windows 7 end of support - Jan 14, 2020
Replies: 69
Views: 3500

Re: Windows 7 end of support - Jan 14, 2020

If OS providers supported every OS version "for free" forever, an OS license would cost three hundred million dollars (give or take). Well, they could also just build better quality products to begin with :) As a software engineer, I am often embarrassed by the quality of products delivered to payi...
by tibbitts
Sat Apr 20, 2019 12:59 pm
Forum: Personal Consumer Issues
Topic: Windows 7 end of support - Jan 14, 2020
Replies: 69
Views: 3500

Re: Windows 7 end of support - Jan 14, 2020

"Milked?" That's like saying someone is getting milked for repairs on a 14-year-old car whose warranty expired in 2008. The difference, to me at least, is that car maintenance generally deals with wear and tear of a mechanical product while all those security fixes over the 10 year lifetime of Wind...
by tibbitts
Sat Apr 20, 2019 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: thoughts about mixed use fl rental/vacation home`
Replies: 5
Views: 313

Re: thoughts about mixed use fl rental/vacation home`

I have family in fl, would be nice to spend 2-3 months per year there. Anyone have a link to forums/tools (spreadsheets I guess) where we could become educated on finances/operational aspects of vacation rentals? thanks, I have a similar situation. I don't rent. The times you can make money renting...
by tibbitts
Sat Apr 20, 2019 10:54 am
Forum: Personal Consumer Issues
Topic: DIY home security system
Replies: 23
Views: 1565

Re: DIY home security system

I have the same setup as OP and we went off professional monitoring to self monitor. Basically in lieu of the professional monitoring, in the attic and basement of my home we have two large siren speakers. The system functions in the home like it did before, but when the alarm trips, rather than co...
by tibbitts
Sat Apr 20, 2019 10:38 am
Forum: Personal Consumer Issues
Topic: What's the lowdown on HVAC filters?
Replies: 21
Views: 1627

Re: What's the lowdown on HVAC filters?

I have one hvac that came with a washable foam filter in a 1in form factor, but in a size that isn't manufactured. There are online providers that will offer that size but the products are really just multiple filters taped (literally) together, so a high percentage of filter area ends up being pape...
by tibbitts
Sat Apr 20, 2019 10:02 am
Forum: Personal Investments
Topic: Vanguard security
Replies: 22
Views: 1288

Re: Vanguard security

Yesterday my wife received an email notifying her that her account had been locked due to excessive attempts to login. She rarely logs in and did not in this case. We have joint access to our accounts so I logged in with my user name and password and verified that nothing bad had occurred. Am I cor...
by tibbitts
Sat Apr 20, 2019 9:57 am
Forum: Personal Consumer Issues
Topic: Windows 7 end of support - Jan 14, 2020
Replies: 69
Views: 3500

Re: Windows 7 end of support - Jan 14, 2020

"Milked?" That's like saying someone is getting milked for repairs on a 14-year-old car whose warranty expired in 2008. The difference, to me at least, is that car maintenance generally deals with wear and tear of a mechanical product while all those security fixes over the 10 year lifetime of Wind...
by tibbitts
Sat Apr 20, 2019 8:59 am
Forum: Personal Consumer Issues
Topic: DIY home security system
Replies: 23
Views: 1565

Re: DIY home security system

No experience with the DIY method, but my answer is 2 German Shepherds. I know some companies offer the door sensors, Ring included. No experience but a friend told me setup was super easy. Security isn't necessarily improved by German Shepherds; if they are kept inside, where they would be likely ...
by tibbitts
Sat Apr 20, 2019 8:21 am
Forum: Personal Finance (Not Investing)
Topic: DW worried about What if ...? Wishes to pay off mortgage
Replies: 33
Views: 3039

Re: DW worried about What if ...? Wishes to pay off mortgage

Maybe I missed it but nobody is dealing with the only issue you really asked about: the international implications of a will or trust designating custody and inheriting assets. Specifically the terms-and-conditions for India (taxation, etc.)
by tibbitts
Sat Apr 20, 2019 8:14 am
Forum: Personal Investments
Topic: Vanguard security
Replies: 22
Views: 1288

Re: Vanguard security

Yesterday my wife received an email notifying her that her account had been locked due to excessive attempts to login. She rarely logs in and did not in this case. We have joint access to our accounts so I logged in with my user name and password and verified that nothing bad had occurred. Am I cor...
by tibbitts
Sat Apr 20, 2019 8:11 am
Forum: Personal Investments
Topic: Vanguard security
Replies: 22
Views: 1288

Re: Vanguard security

This lack of availability doesn’t scream security to me. They locked her account access. That seems very secure to me. Lack of availability is more of a customer service issue, not a security issue. And Vanguard requires 2-factor now. Requires? I don't have 2-factor on my mutual fund account, at le...
by tibbitts
Fri Apr 19, 2019 10:25 pm
Forum: Personal Consumer Issues
Topic: What's the lowdown on HVAC filters?
Replies: 21
Views: 1627

Re: What's the lowdown on HVAC filters?

AC repairman came out to do minor repair on my downstairs air conditioner unit. When he removed the grill and saw that I had a high MERV 3M filter recommended by Consumer Reports, he went ballistic, saying those dense filters restrict airflow and strain the unit causing it to wear out much sooner. ...
by tibbitts
Fri Apr 19, 2019 10:21 pm
Forum: Personal Investments
Topic: Starting daughter's savings plan
Replies: 12
Views: 929

Re: Starting daughter's savings plan

Hello, My 21yr old daughter is finishing her final year at college and will soon start on her path to some sort of employment (fingers crossed and all that.) From time to time whether it's birthday presents, or some grandparents money, she has decided she wants to put these random dollars into a lo...
by tibbitts
Fri Apr 19, 2019 7:40 pm
Forum: Personal Investments
Topic: Starting daughter's savings plan
Replies: 12
Views: 929

Re: Starting daughter's savings plan

Hello, My 21yr old daughter is finishing her final year at college and will soon start on her path to some sort of employment (fingers crossed and all that.) From time to time whether it's birthday presents, or some grandparents money, she has decided she wants to put these random dollars into a lo...
by tibbitts
Fri Apr 19, 2019 7:30 pm
Forum: Personal Consumer Issues
Topic: Windows 7 end of support - Jan 14, 2020
Replies: 69
Views: 3500

Re: Windows 7 end of support - Jan 14, 2020

I didn't find this posted. I got a pop-up this morning on my Win-7 machine. https://www.microsoft.com/en-us/windows/windows-7-end-of-life-support-information?OCID=win7_app_omc_win I did not receive that pop-up, but I have Windows 7 and I will never upgrade until my computer dies. It's not much fun ...
by tibbitts
Fri Apr 19, 2019 7:27 pm
Forum: Personal Investments
Topic: Vanguard Personal Advisor Services
Replies: 28
Views: 3335

Re: Vanguard Personal Advisor Services

My understanding, just from reading accounts here, is that the free financial plan is being phased out. It seems to have been replaced by "consultation with a CFP" for specific questions. Your experience may vary, and it may vary when you reach Flagship Select and whatever the upcoming next level wi...
by tibbitts
Fri Apr 19, 2019 6:54 pm
Forum: Personal Consumer Issues
Topic: Windows 7 end of support - Jan 14, 2020
Replies: 69
Views: 3500

Re: Windows 7 end of support - Jan 14, 2020

Every new version of every software I've ever used has a group of users that won't adapt because they're used to the older versions. This is true even when there are gigantic improvements to the software, simple training is provided, etc. I'm not saying that all updates are positive, but not everyo...
by tibbitts
Thu Apr 18, 2019 8:30 pm
Forum: Personal Consumer Issues
Topic: Car Battery
Replies: 62
Views: 4415

Re: Car Battery

Hello, I am planning to be away for a few months while my car is not going to be used. Since some BHs may have experienced same issue I was wondering how they handled it. I am thinking about removing the wires from battery terminals so the electronics may not drain the battery. In one previous occa...
by tibbitts
Thu Apr 18, 2019 8:22 pm
Forum: Personal Consumer Issues
Topic: Windows 7 end of support - Jan 14, 2020
Replies: 69
Views: 3500

Re: Windows 7 end of support - Jan 14, 2020

Overall I think all modern operating systems are amazingly good, but I would say that when I've had problems with Windows 7 or 10 it's usually been on systems that were upgraded vs. ones that started with clean installations. And most of the problems I've had were related to Windows Update on the co...
by tibbitts
Mon Apr 15, 2019 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: In Laws Retirement Nest Egg
Replies: 156
Views: 14105

Re: In Laws Retirement Nest Egg

This is one of those threads you hope someone new to Bogleheads doesn't read as their first exposure to the forum.
by tibbitts
Mon Apr 15, 2019 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: FreeTaxUSA website down
Replies: 16
Views: 1769

Re: FreeTaxUSA website down

Credit Karma is completely free - and completely awesome. Used it last year and this, very pleased. I couldn't get my CK results to match HRB and Freetax - not even close. There was one omission I noticed - I think it said "taxable amount not determined" was not implemented when I tried to input a ...
by tibbitts
Mon Apr 15, 2019 7:51 am
Forum: Personal Investments
Topic: Retirement Planning with Pension
Replies: 18
Views: 2063

Re: Retirement Planning with Pension

I have a pension as well, and honestly I try and not think about it too much.....it’s not like I “own” it. I do view the pension as my bond portfolio, so therefore I’m a little heavier in stocks in my 401k. You may not own it but you sort of own the contributions you made to it vs. the contribution...
by tibbitts
Sun Apr 14, 2019 11:51 pm
Forum: Personal Consumer Issues
Topic: Comparing mid-size SUVs for towing -- Hyundai vs Kia leading
Replies: 54
Views: 3177

Re: Comparing mid-size SUVs for towing -- Hyundai vs Kia leading

The one unknown at this point is the whole trailer hitch hook up / unhook thing. That I don't know. That's something I would have to check out on the models I start looking at, and see what sort of assistive ideas there are for that. I'm 61, pretty strong, but that one I do not know. Depending on t...
by tibbitts
Sun Apr 14, 2019 6:41 pm
Forum: Personal Investments
Topic: My advisor VS Vanguard's PAS
Replies: 70
Views: 4596

Re: My advisor VS Vanguard's PAS

I know the answer because I actually asked why we weren't just in index funds a few years back. The answer was that they believed a mix of index and carefully researched actively managed funds would give more performance. Yes, I can hear the collective groans from all the Bogleheads reading this th...
by tibbitts
Sun Apr 14, 2019 6:01 pm
Forum: Personal Investments
Topic: My advisor VS Vanguard's PAS
Replies: 70
Views: 4596

Re: My advisor VS Vanguard's PAS

The question for the OP's advisor (if he says he will put him in lower ER index funds) is why didn't you do this for me before? I know the answer because I actually asked why we weren't just in index funds a few years back. The answer was that they believed a mix of index and carefully researched a...
by tibbitts
Sun Apr 14, 2019 5:19 pm
Forum: Personal Investments
Topic: My pet peeve with Vanguard Personal Advisory Service
Replies: 14
Views: 2664

Re: My pet peeve with Vanguard Personal Advisory Service

Really good article in WSJ on April 7 by Jason Zweig. YOU PAY FOR NETFLIX AND SPOTIFY MONTHLY. WHAT ABOUT FINANCIAL PLANNING? Sorry, I think the link is restricted to subscribers. Anyway, the gist of article is we pay fees for entertainment, doctor fees, and most other things in life except the fin...
by tibbitts
Sun Apr 14, 2019 5:13 pm
Forum: Personal Investments
Topic: Wellesley Income fund Admiral
Replies: 17
Views: 2604

Re: Wellesley Income fund Admiral

I have no knowledge of what the CPA is referring to but I'm not sure that's been directly addressed in any of the replies. I assume there must be something specific about the investment he suggested and that he must have had a recommendation for a product to buy and procedure to accomplish this tax ...
by tibbitts
Sun Apr 14, 2019 5:07 pm
Forum: Personal Investments
Topic: My advisor VS Vanguard's PAS
Replies: 70
Views: 4596

Re: My advisor VS Vanguard's PAS

The question for the OP's advisor (if he says he will put him in lower ER index funds) is why didn't you do this for me before? I know the answer because I actually asked why we weren't just in index funds a few years back. The answer was that they believed a mix of index and carefully researched a...
by tibbitts
Sun Apr 14, 2019 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Southwest Credit Card?
Replies: 6
Views: 736

Re: Southwest Credit Card?

It’s a good deal for the initial points or companion pass, but after that there is no reason to keep it as the chase reserve and preferred have better earning on points and transfers to southwest are 1:1 I know the old card actually cost money to hold but the new one might not depending on how you ...
by tibbitts
Sun Apr 14, 2019 2:31 pm
Forum: Personal Investments
Topic: Strategies for dealing with blackout period during rollover
Replies: 6
Views: 334

Re: Strategies for dealing with blackout period during rollover

I agree. No need to worry about being out of the market for a short period of time. Sometimes you have no other choice. I think you always have the choice to hedge market movements, but I don't know enough to explain how to do that (without a sufficient stash of cash) or what the cost would be. I t...
by tibbitts
Sun Apr 14, 2019 2:27 pm
Forum: Personal Investments
Topic: If you have plenty of money, why not 100% stocks in retirement?
Replies: 107
Views: 6986

Re: If you have plenty of money, why not 100% stocks in retirement?

With regards to social security, forum rules specifically prohibit discussion on what might happen in the future. For my own purposes as well, I also make decisions based on current law. At the moment, I don't believe Congress has changed social security benefits in the future. If and when they do,...
by tibbitts
Sun Apr 14, 2019 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Southwest Credit Card?
Replies: 6
Views: 736

Re: Southwest Credit Card?

I believe there was a topic string on Southwest Credit Cards. Can someone please direct me to it? If it's not the first one or two responses when I put a term in the search box, I give up. In any case I just dumped my SW card - the $99 one, which wasn't a good deal now that the superior ($149 - but...
by tibbitts
Sun Apr 14, 2019 9:43 am
Forum: Personal Investments
Topic: If you have plenty of money, why not 100% stocks in retirement?
Replies: 107
Views: 6986

Re: If you have plenty of money, why not 100% stocks in retirement?

If you have ample resources that you can afford to weather downturns, why not keep your money 100% stocks in retirement? Stocks return better than bonds, so you would have better overall portfolio returns. You would have to be willing to sell stocks/funds during downturns to pay for your expenses. ...
by tibbitts
Sun Apr 14, 2019 9:33 am
Forum: Personal Investments
Topic: My advisor VS Vanguard's PAS
Replies: 70
Views: 4596

Re: My advisor VS Vanguard's PAS

Just a few thoughts: Nobody seems to be too concerned about expenses until the market turns down. I have never met a financial advisor who does not try to steer clients to investments that benefit them in hidden fees. It may be subconscious but it happens all the time. Vanguard PAS advisors are on ...
by tibbitts
Sun Apr 14, 2019 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Site for Car Rental in Major City
Replies: 8
Views: 770

Re: Site for Car Rental in Major City

If I'm traveling by air I have a pretty low tolerance for any hassles in picking up a car, even if it costs somewhat more (and yes, it's always my money.) If the difference is many hundreds of dollars, you might get me to go off-airport. Otherwise I've only rented off-airport if, for example, I can ...
by tibbitts
Sun Apr 14, 2019 8:32 am
Forum: Personal Investments
Topic: Vanguard JUNK BOND FUND?
Replies: 4
Views: 486

Re: Vanguard JUNK BOND FUND?

What would be your opinion of substituting the Vanguard High Yield Corporate junk bond fund VWEHX or another high performance Vanguard Bond fund like VWESX, Long Term Investment Grade bond fund, instead of the Vanguard Total US Bond fund to make up the bond part of the Bogle theee fund portfolio. T...
by tibbitts
Sat Apr 13, 2019 6:25 pm
Forum: Personal Investments
Topic: My advisor VS Vanguard's PAS
Replies: 70
Views: 4596

Re: My advisor VS Vanguard's PAS

From the limited information we have it sounds like you have a decent adviser now. It's difficult to judge how much "extra" you're getting from them vs. what VG would provide but it seems like they're venturing into some categories of advice that VG would not. So maybe that's worth it to you. There ...
by tibbitts
Sat Apr 13, 2019 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: How to avoid throwing money at problems?
Replies: 62
Views: 4173

Re: How to avoid throwing money at problems?

I don't know how we did it. Home. Chores. 2 kids. DW with 1 business. Myself running 2 businesses. Well over a zillion hours a week. No house cleaners. No nanny or maids or whatever. No yard folks. (couldn't afford any of these things). And, acreage, dogs, horses. No time for TV. (or internet nowad...
by tibbitts
Sat Apr 13, 2019 12:27 pm
Forum: Personal Consumer Issues
Topic: Buying a new computer could use advice
Replies: 32
Views: 2629

Re: Buying a new computer could use advice

Mac Mini? Yes, except a decent mac mini will still be $1k, far exceeding the OP's budget of $500. Assuming this must be purchased from Best Buy. My recommendation: - Buy a computer for about $400 - Make sure it includes at least 8GB memory (prefer 16GB) - Budget $50 for a 256GB SDD, buy it at the s...
by tibbitts
Sat Apr 13, 2019 10:38 am
Forum: Investing - Theory, News & General
Topic: Indexing beats Wellington and Wellesley right?
Replies: 101
Views: 14905

Re: Indexing beats Wellington and Wellesley right?

If everyone agrees that indexing is superior to actively-managed funds, then why is Wellington and Wellesley still so popular? Not to mention that Wellington and Wellesley have higher expenses as well. Doesn't it make sense to just skip Wellington/Wellesley and build your own "Three-Fund or Four-Fu...