Search found 8921 matches

by tibbitts
Sat Aug 17, 2019 1:12 pm
Forum: Forum Issues and Administration
Topic: Logon Issues
Replies: 2
Views: 91

Re: Logon Issues

metsmetsmets wrote:
Sat Aug 17, 2019 12:41 pm
When attempting to logon from my laptop, I enter the credentials and it takes me right back to the logon screen without any message. When logging in from my phone, no problem. Anybody running into logon issues today?
Log on to what? Vanguard? Bogleheads?
by tibbitts
Fri Aug 16, 2019 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a break in your 50s: Is it the kiss of death?
Replies: 61
Views: 4767

Re: Taking a break in your 50s: Is it the kiss of death?

I agree with staying on - you have the income stream in hand and it’s definitely not a guarantee to get it back. But if you can’t reshape your week to less hours, put in the same effort but force yourself to start taking every or every other Friday off. You can keep going all out, just do it for fe...
by tibbitts
Fri Aug 16, 2019 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a break in your 50s: Is it the kiss of death?
Replies: 61
Views: 4767

Re: Taking a break in your 50s: Is it the kiss of death?

We need to keep in mind that a lot of "40hr" jobs include 9hrs at work (lunch may not be optional - may workplaces are 8-5) plus say 90min of commuting daily (40min each way.) So a lot more than "40hrs."
by tibbitts
Thu Aug 15, 2019 8:16 pm
Forum: Personal Investments
Topic: Should we buy bond mutual funds now?
Replies: 25
Views: 2488

Re: Should we buy bond mutual funds now?

I have no idea if will turn out to be a good idea - and it's definitely not Boglehead-approved - but I've been adding slowly to high-yield and emerging market bonds.
by tibbitts
Thu Aug 15, 2019 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 296
Views: 21751

Re: Social Security -- Take it at 62, 67 or 70

willthrill81 » Sat Aug 10, 2019 3:28 pm tibbitts wrote: ↑Sat Aug 10, 2019 3:10 pm celia wrote: ↑Sat Aug 10, 2019 2:43 pm Rus In Urbe wrote: ↑Fri Aug 09, 2019 2:44 pm I'm retiring in Dec at age 64. I'd always assumed I'd go with conventional wisdom and wait until 70 to maximize---we don't "need" the...
by tibbitts
Wed Aug 14, 2019 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: "Negotiating" Salary
Replies: 74
Views: 5367

Re: "Negotiating" Salary

As a soon to be first time hiring manager, it warms my heart that so many people are misinformed about salary negotiation. It will make my budget allocation so much easier. People aren't misinformed at all, they are simply expressing their personal experiences. Even someone who has hired hundreds o...
by tibbitts
Wed Aug 14, 2019 10:12 pm
Forum: Personal Consumer Issues
Topic: Do burglars steal and use paperwork?
Replies: 34
Views: 3717

Re: Do burglars steal and use paperwork?

Someone broke into my folks home while I was staying there late at night. He entered into the house, I heard him, I grabbed a knife and went after him, he darted out, I ran after him yelling tons of profanity with knife in hand, unfortunately he was faster (I didn't have shoes on). My parents were ...
by tibbitts
Wed Aug 14, 2019 9:07 pm
Forum: Personal Consumer Issues
Topic: Do burglars steal and use paperwork?
Replies: 34
Views: 3717

Re: Do burglars steal and use paperwork?

Someone broke into my folks home while I was staying there late at night. He entered into the house, I heard him, I grabbed a knife and went after him, he darted out, I ran after him yelling tons of profanity with knife in hand, unfortunately he was faster (I didn't have shoes on). My parents were ...
by tibbitts
Wed Aug 14, 2019 9:02 pm
Forum: Personal Consumer Issues
Topic: Do burglars steal and use paperwork?
Replies: 34
Views: 3717

Re: Do burglars steal and use paperwork?

Previously, the house I was in was robbed another time. The burglars didn't steal anything because at that time the owners didn't have anything of hockable value, except they did steal the owners car and went on a joyride. However those burglarers knew that they had time and they thoroughly went th...
by tibbitts
Wed Aug 14, 2019 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: "Negotiating" Salary
Replies: 74
Views: 5367

Re: "Negotiating" Salary

Im an HR Recruiter and have worked at several mega-corp fortune 500's. We ALWAYS try to get the candidate's salary expectations before setting them up for an interview. I dont care if they tell me their current salary or what range they're looking for, we just need something to go off of to make su...
by tibbitts
Wed Aug 14, 2019 7:32 pm
Forum: Investing - Theory, News & General
Topic: Confused, bummed, and concerned
Replies: 59
Views: 7845

Re: Confused, bummed, and concerned

What are you "confused" about? Bummed? Why be bummed about somebody else's expectations about future returns, which may or may not be correct, and about which you can do nothing (besides ensuring that your own investments are well-diversified and low-cost)? Concerned how? That you won't be able to ...
by tibbitts
Tue Aug 13, 2019 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: "Negotiating" Salary
Replies: 74
Views: 5367

Re: "Negotiating" Salary

If this is anything but an entry level job (ie. for a recent college grad) than eventually you will need to give a number in my experience. The trick is to postpone it as long as possible. I don't think anyone but the hiring manager needs a number. I certainly would not give HR or a recruiter any n...
by tibbitts
Tue Aug 13, 2019 8:52 pm
Forum: Personal Consumer Issues
Topic: Do you "lock" computers in your home?
Replies: 74
Views: 4690

Re: Do you "lock" computers in your home?

Mine are set to lock after a while. I have a few sensitive files that are encrypted but I have only recently had a computer I thought was fast enough to not have the encryption slow the computer down.
by tibbitts
Tue Aug 13, 2019 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: "Negotiating" Salary
Replies: 74
Views: 5367

Re: "Negotiating" Salary

But once you get to the hiring manager, I will answer your questions so I want a number. Otherwise I won't know if I am wasting both of our time. At that point, not much to lose. If the company was going to low ball you, do you really want to work there? I have only ever had one person say a number...
by tibbitts
Tue Aug 13, 2019 7:58 am
Forum: Investing - Theory, News & General
Topic: this time it's different
Replies: 70
Views: 6466

Re: this time it's different

An excerpt from an article claiming we are entering a period of secular stagnation, and the reasons why: https://www.npr.org/sections/money/2019/08/13/750567617/is-our-economy-in-the-upside-down Just wondering if others feel the coming decades will be fundamentally different from the past, and how ...
by tibbitts
Mon Aug 12, 2019 6:41 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 13492

Re: Wellesley 56.05% drop today

Fixed income mutual funds are almost all showing 0% change today when interests had a strong drop (thus prices should be up across the board). I sold a large position of the TIPS fund (VAIPX), and it should have increased fairly substantially today for a bond fund. Something is up. I would not expe...
by tibbitts
Sun Aug 11, 2019 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 296
Views: 21751

Re: Social Security -- Take it at 62, 67 or 70

I know of a married couple that both took SS at 62 because they are afraid our entire economic system will collapse due to our nations very high debt. They want their $ before the, in their view, inevitable economic collapse. I was unable to reason with them. Although I don't believe the economic s...
by tibbitts
Sun Aug 11, 2019 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 296
Views: 21751

Re: Social Security -- Take it at 62, 67 or 70

In my opinion there is close to a 0% chance there will be an actual reduction in calculated benefits. Seniors are a very large voting block and they have a very high participation rate. We can agree that a larger percentage of seniors do vote, but the issue is whether calculated benefits for typica...
by tibbitts
Sun Aug 11, 2019 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 296
Views: 21751

Re: Social Security -- Take it at 62, 67 or 70

Unless you are rich or terminally ill, you need longevity insurance. I suppose you could take up skydiving if you wanted to reduce your need for longevity insurance somewhat. Why do I feel like I am talking to a wall? Longevity insurance can be important, but that aspect of social security is by de...
by tibbitts
Sun Aug 11, 2019 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 296
Views: 21751

Re: Social Security -- Take it at 62, 67 or 70

In my opinion there is close to a 0% chance there will be an actual reduction in calculated benefits. Seniors are a very large voting block and they have a very high participation rate. We can agree that a larger percentage of seniors do vote, but the issue is whether calculated benefits for typica...
by tibbitts
Sat Aug 10, 2019 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 296
Views: 21751

Re: Social Security -- Take it at 62, 67 or 70

To me, deciding to defer at 62 today is especially difficult because the benefit reductions already provided for in roughly 15 years seem like a best-case scenario. You think that's a best case scenario? You see no chance that Congress will once again revise the SS rules (as they always have) in or...
by tibbitts
Sat Aug 10, 2019 5:27 pm
Forum: Personal Consumer Issues
Topic: Budget Rental Cars Left Me Stranded--Prevention ?
Replies: 42
Views: 2564

Re: Budget Rental Cars Left Me Stranded--Prevention ?

I've rented somewhere around 500 cars over the years and never had a car be unavailable. Only once was the car class I rented not available.

However I have mostly rented at airport locations. I believe many or maybe even most off-airport locations aren't corporate-operated.
by tibbitts
Sat Aug 10, 2019 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Should we move
Replies: 45
Views: 3821

Re: Should we move

What is the rest of the neighborhood like in terms of houses - age, size, etc.? How big is the lot - will it fit everything you want (garage, etc.)? If you have a good lot, what would it cost to just demolish what you have and start over vs. doing add-ons or improvements?
by tibbitts
Sat Aug 10, 2019 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 296
Views: 21751

Re: Social Security -- Take it at 62, 67 or 70

I'm retiring in Dec at age 64. I'd always assumed I'd go with conventional wisdom and wait until 70 to maximize---we don't "need" the money to live on. However, yesterday I met with a terrific advisor (no fee and no he didn't sell me anything) and we spent an hour crunching numbers and looking over...
by tibbitts
Sat Aug 10, 2019 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 105
Views: 12429

Re: Are you a "solo ager?"

There are tragic situations. However, there is a lot of marketing of “cognitive decline,” and as we age we’ll find relatives ( some disinterested but others with an agenda), medical professsionals, and financial advisors or would-be advisors seeking to pry control of assets away from the earners of...
by tibbitts
Sat Aug 10, 2019 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 296
Views: 21751

Re: Social Security -- Take it at 62, 67 or 70

However, the difference between claiming with a PV of $403,911 at 62, vs. $418,895 at 67.7, hardly seems worth waiting. We all get to decide if $15,000 means anything to us or not. My biggest complaint is that we are forced to speculate on whether the current law will be carried out as written or d...
by tibbitts
Fri Aug 09, 2019 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 105
Views: 12429

Re: Are you a "solo ager?"

If you have only one child, this unfortunately could also become a factor if that child dies, esp. if that child did not have children, or had children will still be fairly young when this becomes an issue for you. I have a family member who had one son who died unexpectedly a few years ago. Now th...
by tibbitts
Fri Aug 09, 2019 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Received a $17,000 medical bill! Can we negotiate?
Replies: 91
Views: 9616

Re: Received a $17,000 medical bill! Can we negotiate?

I had an out-of-network emergency bill where I went through two levels of appeals with the insurance company but lost. However, the amount involved was was only about 12% of the amount in the OPs case. Sometimes you can be convinced you're entitled to certain benefits, but once you've exhausted the ...
by tibbitts
Fri Aug 09, 2019 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 296
Views: 21751

Re: Social Security -- Take it at 62, 67 or 70

The comments about any reduction to SS and how they might be handled are purely speculative. Why not speculate that to make up the shortfall, taxes on income (RMDs) will increase, or RMDs are increased, or both? This will leave early claimants (who now have larger retirement savings as a result) in...
by tibbitts
Fri Aug 09, 2019 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 296
Views: 21751

Re: Social Security -- Take it at 62, 67 or 70

To me, deciding to defer at 62 today is especially difficult because the benefit reductions already provided for in roughly 15 years seem like a best-case scenario. You think that's a best case scenario? You see no chance that Congress will once again revise the SS rules (as they always have) in or...
by tibbitts
Thu Aug 08, 2019 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 296
Views: 21751

Re: Social Security -- Take it at 62, 67 or 70

To me, deciding to defer at 62 today is especially difficult because the benefit reductions already provided for in roughly 15 years seem like a best-case scenario. Had we been looking at the same decision right after the last fix to social security, I wouldn't have said that. The possibility of ben...
by tibbitts
Thu Aug 08, 2019 9:20 pm
Forum: Personal Investments
Topic: thoughts on international funds
Replies: 67
Views: 4564

Re: thoughts on international funds

Vanguard has 40% international in their life cycle funds. Do you know more than Vanguard and many other institutions? Vanguard's expense ratio on their US total stock index fund is 0.04 (or 0.03 for their equivalent ETF). Vanguard's ER on their int'l fund = 0.11 (or 0.09 for the equivalent ETF). So...
by tibbitts
Thu Aug 08, 2019 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Property taxes in Palm Beach County, FL
Replies: 12
Views: 916

Re: Property taxes in Palm Beach County, FL

My experience (just with my own property) is that for PBC 2% of actual value is about correct for a newly-acquired property. So the new assessment reflected the purchase price of your house? My taxes now are roughly 2% of the current value of the condo. This is for a very inexpensive condo for PBC....
by tibbitts
Thu Aug 08, 2019 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, give me strength to resist a car purchase when I find myself way ahead of our financial goals
Replies: 61
Views: 4130

Re: Bogleheads, give me strength to resist a car purchase when I find myself way ahead of our financial goals

I would say that you have wildly optimistic assumptions here. Lots of us who finally hit some amount, say $1M, really weren't expecting to both be unemployed or less employed, and simultaneously have our net worth drop by 30+%. And then experience a decade-plus of roughly zero real income from savin...
by tibbitts
Thu Aug 08, 2019 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Property taxes in Palm Beach County, FL
Replies: 12
Views: 916

Re: Property taxes in Palm Beach County, FL

My experience (just with my own property) is that for PBC 2% of actual value is about correct for a newly-acquired property.
by tibbitts
Wed Aug 07, 2019 9:56 pm
Forum: Personal Investments
Topic: Teacher pensions make for unique retirement planning
Replies: 18
Views: 1913

Re: Teacher pensions make for unique retirement planning

That sounds like an excellent pension plan. I'm sure others will be along any minute telling you you're crazy if you don't defer the full amount you can (2x 403b + 2x 457) plus do two Roths, but I'd say that's a little extreme. In any case I would spread whatever investments you do in a similar way ...
by tibbitts
Wed Aug 07, 2019 9:35 pm
Forum: Personal Investments
Topic: Vanguard Dividend Growth Fund Vs Picking your Stock Dividend
Replies: 11
Views: 1301

Re: Vanguard Dividend Growth Fund Vs Picking your Stock Dividend

Good Evening, First time posting. What is a better option investing in Vanguard Dividend Growth Fund (VDIGXOR) picking your own Stock Dividends? Note: I am looking to use dividends for monthly expenses. Thank you You might want to become more familiar with the forum - read the wiki, etc. The majori...
by tibbitts
Wed Aug 07, 2019 8:00 am
Forum: Personal Finance (Not Investing)
Topic: high-yield savings: stay or switch?
Replies: 49
Views: 4516

Re: high-yield savings: stay or switch?

Thanks, all :sharebeer I decided to just transfer it over to GS Bank. I already had the account, and it's 2.15% vs 1.90% at Ally. If the banks are gonna be stingy with their rates, I'll be stingy with my money. Interestingly that .25% might be enough to encourage me to take some action at current r...
by tibbitts
Wed Aug 07, 2019 7:56 am
Forum: Personal Investments
Topic: thoughts on international funds
Replies: 67
Views: 4564

Re: thoughts on international funds

International vs. not seems to be a case of having to stake out a position and stick with it, or at the very least have some consistent algorithm you use to shift weights between one and another. I think the OP is at the stage of acting on "feelings" stemming from very short-term observations, which...
by tibbitts
Tue Aug 06, 2019 11:09 pm
Forum: Investing - Theory, News & General
Topic: Personal Flagship Representaive Going Away
Replies: 90
Views: 7234

Re: Personal Flagship Representaive Going Away

I sort of consider it rude to call companies. With the vast amount of information available to us today, we should be able to answer most of our own questions without bothering the company at all. For the few specific questions, e-mail / message is by far my favorite method. My parents think I am w...
by tibbitts
Tue Aug 06, 2019 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: high-yield savings: stay or switch?
Replies: 49
Views: 4516

Re: high-yield savings: stay or switch?

Stay put, not worth chasing the yield. I’ve been trying to understand why I bother chasing yield on cash when it amounts to a relatively small amount of money, especially after tax. I think one reason is that it gives me something “active” to do that doesn’t involve messing with our actual portfoli...
by tibbitts
Mon Aug 05, 2019 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: high-yield savings: stay or switch?
Replies: 49
Views: 4516

Re: high-yield savings: stay or switch?

I have a decent amount of cash parked in an Ally "high yield" savings account. However, they just announced they are dropping their rate to 1.9%. I also have accounts with Amex and GS Bank, which bother are currently offering higher rates. Wondering if I should transfer the money to those, or maybe...
by tibbitts
Mon Aug 05, 2019 6:46 pm
Forum: Personal Investments
Topic: What are your thoughts on Loews (L)?
Replies: 11
Views: 668

Re: What are your thoughts on Loews (L)?

I assume the attraction is the diversification of its industries - sort of like GE in its day. So the argument is that it's like a mutual fund in itself. Didn't end well with GE - although it had it certainly had its run.
by tibbitts
Sun Aug 04, 2019 10:06 pm
Forum: Personal Consumer Issues
Topic: For those who have a revenue generating website.
Replies: 33
Views: 3920

Re: For those who have a revenue generating website.

If the site becomes more than a hobby I suggest you at least have someone with expertise and familiarity with your site that you can call on if things go south. And perhaps make suggestions as you set it up. Don't underestimate the importance of monitoring the site. We have one website that we weren...
by tibbitts
Sun Aug 04, 2019 8:38 pm
Forum: Investing - Theory, News & General
Topic: Is this right? "if you live off dividends, a crash in stocks prices doesn't matter"
Replies: 247
Views: 17873

Re: Is this right? "if you live off dividends, a crash in stocks prices doesn't matter"

Thanks for the answers guys. The problem is dividends tend to be cut when stock prices are going down. That's what I was thinking and told my friend. He said some companies will keep paying the same dividend. In a smart-alec response, one could use a variation on Mark Twain’s analysis: Only purchas...
by tibbitts
Sun Aug 04, 2019 4:34 pm
Forum: Personal Investments
Topic: Actively Manged for International?
Replies: 3
Views: 342

Re: Actively Manged for International?

I'm a firm believer in Indexing for domestic equities, but it seems the International Index construction has a much higher % of losers vs. winners than domestic and International markets may not be as efficient as domestic. What are thoughts on Actively Managed International? For example, Vanguard ...
by tibbitts
Sun Aug 04, 2019 4:16 pm
Forum: Investing - Theory, News & General
Topic: Is this right? "if you live off dividends, a crash in stocks prices doesn't matter"
Replies: 247
Views: 17873

Re: Is this right? "if you live off dividends, a crash in stocks prices doesn't matter"

"Crash" is a little vague, although we've taken that word to mean everything from what happened during the depression to much milder downturns. But I think the point is similar to "If you're living on a 2% SWR you don't have to worry about crashes", and in the case of "normal" crashes that's probabl...
by tibbitts
Sun Aug 04, 2019 12:56 pm
Forum: Personal Consumer Issues
Topic: Advice for buying used Kia Sportage
Replies: 12
Views: 702

Re: Advice for buying used Kia Sportage

It would be of very limited benefit to have a certain car color because you normally can't see your car in the parking lot when you're looking for it - as in it's hidden by bigger and taller vehicles. That happened to me yesterday. So you need a technological solution to the problem using gps or sim...
by tibbitts
Sun Aug 04, 2019 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Individual stocks in Will
Replies: 16
Views: 791

Re: Individual stocks in Will

OP said that there is a trust to be set up. If the stocks are in the trust then there will be no probate. Stocks held in certain types of trusts will not receive a step-up in cost basis. This is an issue that needs to be discussed with the estates lawyer. Also, money can only be contributed to an I...
by tibbitts
Sun Aug 04, 2019 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Received Significant Raises in Salary and getting Jealousy from Close Colleagues/Friends
Replies: 48
Views: 4463

Re: Received Significant Raises in Salary and getting Jealousy from Close Colleagues/Friends

It seems like you have a new life now, so it doesn't really matter. Realistically you'll be immersed in a different world than you had been, so probably you will only have contact with people from your past very occasionally if ever. I also feel that your statement about you understanding why your f...