Search found 11459 matches

by tibbitts
Sun Sep 27, 2020 8:45 pm
Forum: Investing - Theory, News & General
Topic: CALPERS Needs 7% Return
Replies: 86
Views: 10315

Re: CALPERS Needs 7% Return

Meh. A state pension is a good "fixed income" component, payable as per the contract terms, to the employee. And it will be paid out as any other obligation would be even if its target is not met - tax/fee revenue, POB, etc. I believed (and still do) that I would be better off financially by managi...
by tibbitts
Sun Sep 27, 2020 6:46 pm
Forum: Investing - Theory, News & General
Topic: CALPERS Needs 7% Return
Replies: 86
Views: 10315

Re: CALPERS Needs 7% Return

Meh. A state pension is a good "fixed income" component, payable as per the contract terms, to the employee. And it will be paid out as any other obligation would be even if its target is not met - tax/fee revenue, POB, etc. I believed (and still do) that I would be better off financially by managi...
by tibbitts
Sun Sep 27, 2020 6:21 pm
Forum: Personal Consumer Issues
Topic: Photographers: cheapest way to acquire a Nikon D850?
Replies: 23
Views: 938

Re: Photographers: cheapest way to acquire a Nikon D850?

Would you want to give a used or refurbished holiday gift? I would love to get any working-condition D850 as a gift, especially if it came with an assistant to carry it around for me. Me too. But that wasn't the question. If I would love to get one, to me that implies I would also want to give one....
by tibbitts
Sun Sep 27, 2020 3:15 pm
Forum: Personal Consumer Issues
Topic: DSLR camera improvement suggestions
Replies: 24
Views: 763

Re: DSLR camera improvement suggestions

I no longer have Canon cameras, but wouldn't give any lens a pass based on my experience with multiple other brands. In the film era I never noticed what I considered a poor quality lens, whether due to luck or whatever, but I've had extremely bad experiences in the digital era. I would test any len...
by tibbitts
Sun Sep 27, 2020 1:30 pm
Forum: Personal Consumer Issues
Topic: Car Battery issues - SHORT Drive due to COVID (Work From Home)
Replies: 48
Views: 2449

Re: Car Battery issues - SHORT Drive due to COVID (Work From Home)

Is there nowhere you ever want to travel outside your immediate area? Maybe a park, or store, or...? I have been very conservative with Covid-19 but have driven frequently to a park to walk at about 15min away. There are some traffic lights but overall it's about a 45mph drive when I'm not stopped a...
by tibbitts
Sun Sep 27, 2020 1:14 pm
Forum: Personal Consumer Issues
Topic: DSLR camera improvement suggestions
Replies: 24
Views: 763

Re: DSLR camera improvement suggestions

To all the photography enthusiasts here, I have a Canon Rebel EOS XS that I bought about 10 years ago. I have the kit lense 18-55 mm f/3.5-5.6 and have bought a 50mm f/1.8 separately. However, I am not happy with how my pictures look. For some reason, the pictures look dull and don't look lively en...
by tibbitts
Sun Sep 27, 2020 1:07 pm
Forum: Personal Consumer Issues
Topic: Annual oil changes a must? Car maintenance during these times
Replies: 80
Views: 5436

Re: Annual oil changes a must? Car maintenance during these times

I'd change the oil annually. Oil breaks down by both use and time. I don't consider going to a car dealership or service center any more risky than going to a grocery store, probably less. Just mask up. What I do differently is after getting the car back, keep my mask on, wipe off touch points, ope...
by tibbitts
Sun Sep 27, 2020 12:34 pm
Forum: Personal Consumer Issues
Topic: Photographers: cheapest way to acquire a Nikon D850?
Replies: 23
Views: 938

Re: Photographers: cheapest way to acquire a Nikon D850?

If he had a D800 he probably had a lot of FX full-frame lenses. They aren't cheap. I guess confirm this. I can't directly confirm the "FX full-frame" part without asking, but I know he had a lot of nice and expensive lenses that were compatible with the D800, so I'll say yes. Nikon has an adapter t...
by tibbitts
Sun Sep 27, 2020 12:25 pm
Forum: Personal Consumer Issues
Topic: Rental car company charged me for toll road I did not use
Replies: 19
Views: 1512

Re: Rental car company charged me for toll road I did not use

The "administrative" fees these car rental companies charge for using their toll road passes that are either mounted in the car or you are charged by the license plate are criminal. Why aren't elected officials taking care of this? The same goes for gas stations very close to the airports that char...
by tibbitts
Sun Sep 27, 2020 12:16 pm
Forum: Personal Consumer Issues
Topic: Photographers: cheapest way to acquire a Nikon D850?
Replies: 23
Views: 938

Re: Photographers: cheapest way to acquire a Nikon D850?

If he had a D800 he probably had a lot of FX full-frame lenses. They aren't cheap. I guess confirm this. If I were in your shoes, I'd consider a $2500 (or whatever) gift card to your local camera shop. He can kick the tires on a bunch of FX cameras and lenses. The D800 is from 2012 - he may be perf...
by tibbitts
Sun Sep 27, 2020 12:12 pm
Forum: Personal Consumer Issues
Topic: Photographers: cheapest way to acquire a Nikon D850?
Replies: 23
Views: 938

Re: Photographers: cheapest way to acquire a Nikon D850?

I bought a refurb D7100 from Adorama, and checked it out carefully upon receiving it. It had zero shutter activations and seemed to be a brand new camera for IIRC under half the price of a new one. I bought a similar refurb body, although at first when I ordered I received a body with nearly 100,00...
by tibbitts
Sun Sep 27, 2020 12:08 pm
Forum: Personal Consumer Issues
Topic: Photographers: cheapest way to acquire a Nikon D850?
Replies: 23
Views: 938

Re: Photographers: cheapest way to acquire a Nikon D850?

Because this is an expensive purchase I would forego the surprise element and ask. My camera brand does not offer a mirrorless, and I have an investment in lenses, but with a $2000+ purchase I might use it as the opportunity to begin starting over with a completely different system. As I mentioned m...
by tibbitts
Sun Sep 27, 2020 11:53 am
Forum: Personal Consumer Issues
Topic: Photographers: cheapest way to acquire a Nikon D850?
Replies: 23
Views: 938

Re: Photographers: cheapest way to acquire a Nikon D850?

Oh, I just remembered that refurb items don't qualify for the used-to-be-usual (before Citibank abandoned them, at least) credit card warranty extensions. That might be a factor as well.
by tibbitts
Sun Sep 27, 2020 11:49 am
Forum: Personal Investments
Topic: Is this a perfect time to pile into a 3% yield, net of fees, stable value fund?
Replies: 15
Views: 1945

Re: Is this a perfect time to pile into a 3% yield, net of fees, stable value fund?

Yes, it's been the perfect time for a while now. 3% is about double the typical SVF rate I've seen, although I haven't seen any statistics on that.
by tibbitts
Sun Sep 27, 2020 11:39 am
Forum: Personal Consumer Issues
Topic: Photographers: cheapest way to acquire a Nikon D850?
Replies: 23
Views: 938

Re: Photographers: cheapest way to acquire a Nikon D850?

JoeRetire wrote: Sun Sep 27, 2020 11:35 am Would you want to give a used or refurbished holiday gift?
I would love to get any working-condition D850 as a gift, especially if it came with an assistant to carry it around for me.
by tibbitts
Sun Sep 27, 2020 11:34 am
Forum: Personal Consumer Issues
Topic: Photographers: cheapest way to acquire a Nikon D850?
Replies: 23
Views: 938

Re: Photographers: cheapest way to acquire a Nikon D850?

I'm considering giving a (very nice) gift to someone of a Nikon D850. Looks like they can be had online for about $2,500. Are there any other options available? Is the cost/benefit of a used or refurbished model worth exploring? This would be a holiday time gift, so I have a a few months to look. T...
by tibbitts
Sun Sep 27, 2020 11:27 am
Forum: Personal Consumer Issues
Topic: Oil change disaster
Replies: 45
Views: 3605

Re: Oil change disaster

Take you car to the dealer for an oil change, or to an independent shop that uses ASE certified mechanics to perform all the work on their cars, or do it yourself if you are physically able to do so. This is not effective advice. I have only rarely had oil changes done vs. doing them myself. Howeve...
by tibbitts
Sun Sep 27, 2020 9:08 am
Forum: Personal Finance (Not Investing)
Topic: My good experience buying a Hertz rental car
Replies: 24
Views: 2765

Re: My good experience buying a Hertz rental car

I purchased a 2011 INFINITI M37 from Hertz with a 2 year remaining factory warranty. It was the worst automobile purchase I ever made. Hertz knew or should have known the automobile had electrical issues, but never said anything in writing or otherwise. The Infiniti electrical system could not be s...
by tibbitts
Sun Sep 27, 2020 8:40 am
Forum: Personal Consumer Issues
Topic: Oil change disaster
Replies: 45
Views: 3605

Re: Oil change disaster

Take you car to the dealer for an oil change, or to an independent shop that uses ASE certified mechanics to perform all the work on their cars, or do it yourself if you are physically able to do so. This is not effective advice. I have only rarely had oil changes done vs. doing them myself. Howeve...
by tibbitts
Sun Sep 27, 2020 8:20 am
Forum: Personal Consumer Issues
Topic: Car Battery issues - SHORT Drive due to COVID (Work From Home)
Replies: 48
Views: 2449

Re: Car Battery issues - SHORT Drive due to COVID (Work From Home)

Buy yourself a Battery Tender Plus and hook it up as described. (Red to positive terminal on battery, black to engine block or steel bracket, not painted sheet metal, and not the negative terminal on the battery. Check your vehicle manual for recommended site for the negative terminal when jumping....
by tibbitts
Sun Sep 27, 2020 8:12 am
Forum: Personal Consumer Issues
Topic: Car Battery issues - SHORT Drive due to COVID (Work From Home)
Replies: 48
Views: 2449

Re: Car Battery issues - SHORT Drive due to COVID (Work From Home)

Vehicle electrical problems are very solvable, so don't worry. Well, in theory. Sometimes problems develop that are fairly difficult and time-consuming to troubleshoot and repair, particularly if the problem turns out to be wiring in difficult-to-access locations, and is intermittent. And of course...
by tibbitts
Sun Sep 27, 2020 12:11 am
Forum: Personal Consumer Issues
Topic: Car Battery issues - SHORT Drive due to COVID (Work From Home)
Replies: 48
Views: 2449

Re: Car Battery issues - SHORT Drive due to COVID (Work From Home)

I recently moved to a location that is .3 to .5 miles away from everything I need on a daily basis (gym, grocery store, generally a few minute drives at most), and with COVID I am working from home. The gym is .3 miles away and you drive there? That does seem a little ironic. I can understand the g...
by tibbitts
Sat Sep 26, 2020 8:37 pm
Forum: Personal Consumer Issues
Topic: Small Travel Trailer Advise needed
Replies: 44
Views: 2478

Re: Small Travel Trailer Advise needed

Look into a pop up type, they are light weight. We had one for 20 years. We just bought a 25' Rockwood Mini lite and tow with our Tahoe. The sway bars are a pain, we need to look into some other type. He had new gear put in, but most likely we need a larger vehicle for long trips. Enjoy! I've had b...
by tibbitts
Sat Sep 26, 2020 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: My good experience buying a Hertz rental car
Replies: 24
Views: 2765

Re: My good experience buying a Hertz rental car

Is it true that there's no room for price negotiation/haggling? I don't know, but I know for sure you can haggle the price of the extended warranty. Specifically at Hertz? I don't know why you would buy the Hertz warranty. You get the manufacturer's warranty. I declined all the Hertz addons. I boug...
by tibbitts
Sat Sep 26, 2020 7:32 pm
Forum: Personal Investments
Topic: rollover mistake - cancel possible?
Replies: 14
Views: 1212

Re: rollover mistake - cancel possible?

The first thing is to see if your new plan allows you to roll the money into any other plan under the circumstances. If it does it seems unlikely the hold plan would accept it back, but maybe anything is possible. Of course if you roll to an IRA you might lose some protections afforded by an employe...
by tibbitts
Sat Sep 26, 2020 5:59 pm
Forum: Personal Consumer Issues
Topic: Small Travel Trailer Advise needed
Replies: 44
Views: 2478

Re: Small Travel Trailer Advise needed

As I have said in other threads the fiberglass trailers are appealing, but would be much more so if almost all of them weren't designed for the average height of an adult prior to the fall of the Roman Empire. I don't know what the manufacturers are thinking. I know the molds are expensive but mayb...
by tibbitts
Sat Sep 26, 2020 5:53 pm
Forum: Personal Consumer Issues
Topic: Small Travel Trailer Advise needed
Replies: 44
Views: 2478

Re: Small Travel Trailer Advise needed

There are now battery-powered portable air conditioners although I don't have experience with one. But a generator to run the AC will only weight about 50lbs. The original Honda 2000s were notorious for not running most RV air conditioners, but the newer models with slightly more power, plus some u...
by tibbitts
Sat Sep 26, 2020 5:23 pm
Forum: Personal Consumer Issues
Topic: Small Travel Trailer Advise needed
Replies: 44
Views: 2478

Re: Small Travel Trailer Advise needed

As I have said in other threads the fiberglass trailers are appealing, but would be much more so if almost all of them weren't designed for the average height of an adult prior to the fall of the Roman Empire. I don't know what the manufacturers are thinking. I know the molds are expensive but mayb...
by tibbitts
Sat Sep 26, 2020 4:02 pm
Forum: Investing - Theory, News & General
Topic: Were you nervous when you retired?
Replies: 66
Views: 4868

Re: Were you nervous when you retired?

My manager can retire now easily with his finances but he will miss the people and isn't sure he wants to do all of the activities his wife likes doing. In his case I'm guessing he would retire if it was a health thing or if the company has to downsize again in the future. I do wonder how having no...
by tibbitts
Sat Sep 26, 2020 3:28 pm
Forum: Personal Consumer Issues
Topic: Oil change disaster
Replies: 45
Views: 3605

Re: Oil change disaster

Dropped my 2015 Jeep Grand Cherokee off at a very well known large auto shop on Friday morning at 10 AM. It needed an oil change and a new batter. They called to tell me it was ready for pick up in the early afternoon, so I picked it up and drove home. Today, Saturday drove about 10-miles to grocer...
by tibbitts
Sat Sep 26, 2020 10:45 am
Forum: Personal Consumer Issues
Topic: Small Travel Trailer Advise needed
Replies: 44
Views: 2478

Re: Small Travel Trailer Advise needed

As I have said in other threads the fiberglass trailers are appealing, but would be much more so if almost all of them weren't designed for the average height of an adult prior to the fall of the Roman Empire. I don't know what the manufacturers are thinking. I know the molds are expensive but maybe...
by tibbitts
Sat Sep 26, 2020 10:36 am
Forum: Personal Finance (Not Investing)
Topic: My good experience buying a Hertz rental car
Replies: 24
Views: 2765

Re: My good experience buying a Hertz rental car

Thinking more of the 2020 and 2019s and depending on the make/model/year, it may be beneficial to check new vehicles at a dealer. The new car price maybe similar or slightly more than the Hertz price for a used vehicle, plus you get a full warranty. It pays to shop around. I don't understand the "f...
by tibbitts
Sat Sep 26, 2020 10:31 am
Forum: Personal Finance (Not Investing)
Topic: My good experience buying a Hertz rental car
Replies: 24
Views: 2765

Re: My good experience buying a Hertz rental car

fredflinstone wrote: Sat Sep 26, 2020 10:27 am
acegolfer wrote: Sat Sep 26, 2020 6:02 am Is it true that there's no room for price negotiation/haggling?
I don't know, but I know for sure you can haggle the price of the extended warranty.
Specifically at Hertz?
by tibbitts
Sat Sep 26, 2020 9:07 am
Forum: Personal Consumer Issues
Topic: HVAC Service Contracts & Annual Service
Replies: 56
Views: 3238

Re: HVAC Service Contracts & Annual Service

Your welcome, over the years (27ish) I have had about 8 different Heatpump techs, check my systems I have stood there and watched each and every time, not one had ever even touched the capacitor let alone pulled out a calculator. That is disappointing considering that realistically the capacitor is...
by tibbitts
Sat Sep 26, 2020 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding Estate Tax
Replies: 39
Views: 2850

Re: Avoiding Estate Tax

I understand wanting to legally shelter money to the extent possible, but this is really a case where you are not operating with all the information and the people with these assets really need to seek professional estate planning advice. What they may have "been told" suggests to me that they don't...
by tibbitts
Sat Sep 26, 2020 8:50 am
Forum: Personal Consumer Issues
Topic: HVAC Service Contracts & Annual Service
Replies: 56
Views: 3238

Re: HVAC Service Contracts & Annual Service

With the proper multimeter it's easy, must take care to turn off all power to the unit and properly short the contacts on the capacitor. It's not "easy", because of how difficult it is to find a good-quality capacitor discharge tool. Seriously, it's as if the instructions for checking refrigerant c...
by tibbitts
Sat Sep 26, 2020 8:32 am
Forum: Personal Finance (Not Investing)
Topic: My good experience buying a Hertz rental car
Replies: 24
Views: 2765

Re: My good experience buying a Hertz rental car

I did visit the local Hertz sales and was pleased with the process. The online inventory did not match the actual available cars. Also I was somewhat surprised and disappointed that the cars weren't prepared in a way I'd expect for sale. That seems to be true now for some other used car outlets as w...
by tibbitts
Fri Sep 25, 2020 9:26 pm
Forum: Personal Consumer Issues
Topic: Android 11 on Pixel 3A question
Replies: 8
Views: 501

Re: Android 11 on Pixel 3A question

I've had my 3a for almost a year and I don't think it's ever asked about an update; I just assumed they were happening automatically without intervention... ?
by tibbitts
Fri Sep 25, 2020 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Military FIRE; 7 years to go & losing motivation--HELP!
Replies: 49
Views: 7123

Re: Military FIRE; 7 years to go & losing motivation--HELP!

I was never in the military, but delivered training for most branches. Sometimes outside of classes I'd be asked about my career - earnings, benefits, work life, etc. Almost invariably the result the students leaving with a more positive outlook on remaining in the military until full retirement. Pr...
by tibbitts
Fri Sep 25, 2020 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Tech/IT to govt jobs
Replies: 61
Views: 3630

Re: Tech/IT to govt jobs

You can't generalize, even within a state. For example, I left private sector tech/IT for a state agency at about age 50, and my particular agency provided benefits after 10 years that were unusual, almost unique, among agencies in my state. Things like retirement plans, health insurance, etc. can ...
by tibbitts
Fri Sep 25, 2020 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Tech/IT to govt jobs
Replies: 61
Views: 3630

Re: Tech/IT to govt jobs

You can't generalize, even within a state. For example, I left private sector tech/IT for a state agency at about age 50, and my particular agency provided benefits after 10 years that were unusual, almost unique, among agencies in my state. Things like retirement plans, health insurance, etc. can v...
by tibbitts
Fri Sep 25, 2020 1:28 pm
Forum: Investing - Theory, News & General
Topic: Help my try to rationalize why I should ignore Nasdaq
Replies: 39
Views: 2185

Re: Help my try to rationalize why I should ignore Nasdaq

Will start out by saying all my equities are in SP500. Aside from the dot com bust it seems that Nasdaq has consistently and significantly outperformed sp500. I feel like I’m burying my head in the sand as to try not think that times are different and that maybe sp500 is somehow becoming more outda...
by tibbitts
Fri Sep 25, 2020 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Is there any investment products can guarantee 2-3% annual return?
Replies: 12
Views: 1278

Re: Is there any investment products can guarantee 2-3% annual return?

I'm trying to find a safe place to put in my 100k cash, which I expect to use for a home down in around 2 years. Most CD rates are under 0.75% now. So is there any place to store my 100k cash and earn 2-3% gains nowadays, just like the old school CDs? Thanks for any advice~ No, it seems you'd have ...
by tibbitts
Fri Sep 25, 2020 10:31 am
Forum: Personal Consumer Issues
Topic: A simpler car.
Replies: 164
Views: 10168

Re: A simpler car.

Maybe I'm off base but if you choose the right car and you maintain it you should be able to get 200k miles out of it without too many issues. But I think you do have to choose carefully, and even then possibly sacrifice features or price on the front end. There are many vehicles with one or more c...
by tibbitts
Fri Sep 25, 2020 10:23 am
Forum: Personal Consumer Issues
Topic: A simpler car.
Replies: 164
Views: 10168

Re: A simpler car.

It was sarcasm. I completely agree with you. I have two kids and, gasp, the wife and I have not been compelled to buy an SUV (or even a full-size sedan, current vehicle is a compact). I currently have only a sedan myself, but don't understand how you manage to fit four people, probably a dog, cloth...
by tibbitts
Fri Sep 25, 2020 10:16 am
Forum: Personal Consumer Issues
Topic: A simpler car.
Replies: 164
Views: 10168

Re: A simpler car.

A paid off home and a million dollars in my 401K is what makes me sleep well at night. The tax-deferred accounts did that for me too until I calculated the taxes I'll eventually owe, RMDs, effects on medicare premiums, etc. But I believe you're wrong if you think most Bogleheads care about impressi...
by tibbitts
Fri Sep 25, 2020 10:09 am
Forum: Personal Consumer Issues
Topic: A simpler car.
Replies: 164
Views: 10168

Re: A simpler car.

There are cases where you simply can't see behind you and the cross-traffic sensors and backup cameras do things no driver can, just as one example. I've used an old safety device for decades to avoid exactly this. I back into places that would be difficult to get out of. I used to live on a busy s...
by tibbitts
Fri Sep 25, 2020 9:29 am
Forum: Personal Consumer Issues
Topic: Small Travel Trailer Advise needed
Replies: 44
Views: 2478

Re: Small Travel Trailer Advise needed

Yes, being considerate of others is important. Inverter generators run pretty quietly, but most campgrounds won't allow any generators to be run all the time. Yes, you should comply with campground noise rules. Noise is a source of contention, especially during busy seasons. Some RVers build small ...
by tibbitts
Fri Sep 25, 2020 9:14 am
Forum: Personal Consumer Issues
Topic: Annual oil changes a must? Car maintenance during these times
Replies: 80
Views: 5436

Re: Annual oil changes a must? Car maintenance during these times

The oil degrades due to 2 primary factors: [1] polymeric breakdown and additive losses as the engine is operated, and [2] a buildup of acid condensation that results from engine operation. The second item is the reason that a series of very short engine operations, where the oil does not spend any ...
by tibbitts
Thu Sep 24, 2020 9:26 pm
Forum: Personal Consumer Issues
Topic: Erasing everything off a computer? Any software?
Replies: 40
Views: 2539

Re: Erasing everything off a computer? Any software?

Our company is moving and next Tuesday I’m going into the office to grab my things. I’d like to backup my PC and erase everything. I’m going to use DriveImage XML and either back it up into OneDrive or an external hard drive. After, I’d like to erase everything from the PC and just leave Windows 7 ...