Search found 10076 matches

by tibbitts
Tue May 26, 2020 9:25 pm
Forum: Personal Investments
Topic: Swedroe’s Bond Advice - no total bond index
Replies: 17
Views: 2026

Re: Swedroe’s Bond Advice - no total bond index

I have access to a total aggregate bond fund (.02) and stable value fund (.25) in my 401K. But i also have Brokerage Link access so i can use any Fidelity or Ishares fund/ETF as well. Currently my thought process is splitting it 3 ways: 33% Stable Value 33% Short Term Treasury 34% Intermediate Term...
by tibbitts
Tue May 26, 2020 6:27 pm
Forum: Personal Consumer Issues
Topic: Best cheapest internet provider
Replies: 8
Views: 543

Re: Best cheapest internet provider

We live in southern ct and use cable for internet. The price for the internet just keeps going up..right now it’s 108/ month! It’s almost tripled in a few years. Any suggestions for a better way? Options can be completely different even from one side of a street to another so these posts aren't par...
by tibbitts
Tue May 26, 2020 1:47 pm
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 114
Views: 8100

Re: If Jeep has such poor reliability, how come they are everywhere?

It seems that Jeep vehicles are nearly legendary for their poor reliability ratings, and yet I see them everywhere like dandelions. Why are they so popular when they have such a poor reputation? I'm wondering if I should consider buying one. The Grand Cherokee would be my choice. What do Bogleheads...
by tibbitts
Tue May 26, 2020 1:09 pm
Forum: Personal Consumer Issues
Topic: Painting the house//estimates and experiences
Replies: 20
Views: 1352

Re: Painting the house//estimates and experiences

I don't understand why a person who can move furniture can't do the entire job of painting. Saves a lot of money, is relaxing, offers a feeling of accomplishment, and sometimes is more carefully done. Now exterior painting of a multistory house...that's another story. One reason is that lots of hou...
by tibbitts
Tue May 26, 2020 12:19 pm
Forum: Personal Consumer Issues
Topic: Cross country road trip from MA to Glacier NP and Yellowstone NP
Replies: 45
Views: 2060

Re: Cross country road trip from MA to Glacier NP and Yellowstone NP

It's not miserable. Driving across scenic parts of the country is very enjoyable. For obvious reasons, flights are not an option right now, not that flying was ever an enjoyable experience. Taking 2 weeks off and going across the country, it is also important to appropriately weight travel time vs....
by tibbitts
Tue May 26, 2020 10:00 am
Forum: Personal Consumer Issues
Topic: Cross country road trip from MA to Glacier NP and Yellowstone NP
Replies: 45
Views: 2060

Re: Cross country road trip from MA to Glacier NP and Yellowstone NP

As far as distance, the longest I've ever gone in 1 day was 1000-1050 miles. My back definitely needed a break the next day. 600-800 miles per day for 3-5 days is definitely doable, but I didn't have kids with me, which I imagine would slow you down. I also didn't have another driver, which could h...
by tibbitts
Tue May 26, 2020 8:50 am
Forum: Personal Consumer Issues
Topic: Cross country road trip from MA to Glacier NP and Yellowstone NP
Replies: 45
Views: 2060

Re: Cross country road trip from MA to Glacier NP and Yellowstone NP

Hello All, With the current situation, family is thinking about a road trip instead of flying anywhere in summer. We're planning a road trip with two kids (10-13) driving from MA to Glacier NP & Yellowstone NP. For 2 weeks. Are we crazy to do this? With stopping on the way, it'd easily be 3 days to...
by tibbitts
Tue May 26, 2020 8:35 am
Forum: Investing - Theory, News & General
Topic: Investing in International Stocks
Replies: 40
Views: 2993

Re: Investing in International Stocks

The correlation between developed markets and emerging markets, as represented by VTMGX and VEIEX, typing them into PortfolioVisualizer's correlation tool and accepting all defaults, has been 0.88 . So in a total international index, you're talking about a roughly 20% allocation to something that h...
by tibbitts
Tue May 26, 2020 8:25 am
Forum: Personal Consumer Issues
Topic: New Vehicle: Forester or Rav4 for boglehead couple
Replies: 61
Views: 3068

Re: New Vehicle: Forester or Rav4 for boglehead couple

Maybe the OP is just wanting a transitional car for a couple of year pre-minivan, in which case that should open up the possiblity of lots of less reliable and faster-depreciating brands where buying used makes more sense.
by tibbitts
Tue May 26, 2020 8:20 am
Forum: Personal Consumer Issues
Topic: New Vehicle: Forester or Rav4 for boglehead couple
Replies: 61
Views: 3068

Re: New Vehicle: Forester or Rav4 for boglehead couple

More Please wrote:
Tue May 26, 2020 7:53 am
Bought a Rav 4 in September, enjoy driving it. Went to NYC at Christmas and saw that all the yellow taxis are RAV 4’s. Then I figured I had made the right decision.
That seems to be an odd measure for success. Was your previous car a Crown Victoria?
by tibbitts
Mon May 25, 2020 2:31 pm
Forum: Personal Consumer Issues
Topic: New Vehicle: Forester or Rav4 for boglehead couple
Replies: 61
Views: 3068

Re: New Vehicle: Forester or Rav4 for boglehead couple

My thoughts are that given your income, I don't at all understand buying any of the cars you're looking at used. Years ago you could find year-old cars, usually domestic, at almost half-price after a year. Not now with desirable vehicles with good reputations (justfied or not.) Someone I know is loo...
by tibbitts
Mon May 25, 2020 1:03 pm
Forum: Personal Consumer Issues
Topic: What will you NOT buy online?
Replies: 50
Views: 3295

Re: What will you NOT buy online?

jebmke wrote:
Mon May 25, 2020 10:57 am
I do not buy estate documents (e.g. will) online. By the time you go to use it, if you find out that it is defective it is probably too late to get a refund or repair.
How is it even possible for you to find out that your own will is defective?
by tibbitts
Mon May 25, 2020 1:01 pm
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 114
Views: 8100

Re: If Jeep has such poor reliability, how come they are everywhere?

It seems that Jeep vehicles are nearly legendary for their poor reliability ratings, and yet I see them everywhere like dandelions. Why are they so popular when they have such a poor reputation? I'm wondering if I should consider buying one. The Grand Cherokee would be my choice. What do Bogleheads...
by tibbitts
Mon May 25, 2020 12:03 pm
Forum: Personal Consumer Issues
Topic: Update current laptop or buy new one?
Replies: 30
Views: 1568

Re: Update current laptop or buy new one?

I've bought refurbed laptops, replaced hinges, covers, batteries, fans... whatever. No more unless it's really trivial. Unfortunately laptop prices have seemed to greatly increase lately so you'll probably pay over $1k for anything reasonable, but time to pay up and move on to a new, not the typical...
by tibbitts
Sun May 24, 2020 1:33 pm
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 118
Views: 9188

Re: Personal spending out of control after Covid-19

Things like a couch aren't frequently recurring so I don't see that as an issue. The tree - I would have just removed it, you've just exchanged one problem for another. I had two tree - one blew over so now just one, which almost blew over. I might just get rid of it, but not during the summer.
by tibbitts
Sun May 24, 2020 12:59 pm
Forum: Personal Consumer Issues
Topic: Remote teaching a 15 year old [about stocks]
Replies: 30
Views: 1250

Re: Remote teaching a 15 year old [about stocks]

Everybody, I need some help and insight. I would like to engage and teach my 15 year old nephew over the summer. This would have to be remote, since he is 4 hours away. I am struggling how to do this. Not just the technology, but also the subject matter. He is not academic. His extended family is n...
by tibbitts
Sun May 24, 2020 9:00 am
Forum: Investing - Theory, News & General
Topic: The Taleb Asness 'debate' in the light of Bogleheads philosophy
Replies: 146
Views: 6968

Re: The Taleb Asness 'debate' in the light of Bogleheads philosphy

Neither Asness nor Taleb is a Boglehead. The Bogleheads philosophy targets investors, not fund managers. The main principle of this philosophy is to invest in low-cost, broad-based, index funds. Victoria Asness endorses most ideas of Fama and MPT and is thus close to Bogleheads philosphy. By clobbe...
by tibbitts
Sat May 23, 2020 9:33 pm
Forum: Investing - Theory, News & General
Topic: S&P500 vs World Performance
Replies: 149
Views: 9502

Re: S&P500 vs World Performance

There's been a terrible opportunity cost to having invested in international for the last decade. I have quite a strong bias towards the US because I believe we have the most dynamic economy in the world. Maybe at sometime in the future international will do well but in the meantime the US is good ...
by tibbitts
Sat May 23, 2020 4:09 pm
Forum: Personal Consumer Issues
Topic: Hertz is declaring bankruptcy
Replies: 66
Views: 6486

Re: Hertz is declaring bankruptcy

That is interesting. I once bought a Camry from the Hertz used rental car lot and I had a good experience with it. Since then I periodically check their inventory and prices out of curiosity and would sometimes see good deals that would look tempting, In the last few months they have had lots of in...
by tibbitts
Thu May 21, 2020 9:34 pm
Forum: Personal Consumer Issues
Topic: Email for young teen with ability to auto delete nasty spam
Replies: 32
Views: 2126

Re: Email for young teen with ability to auto delete nasty spam

Have her create a new gmail account and send the new address to her contacts. Change the old gmail account password to one she doesn’t know, and you check her gmail for the next month or so and forward actual emails to her. If the spam stops, she can take the account back again. I don't like the id...
by tibbitts
Thu May 21, 2020 9:19 pm
Forum: Personal Investments
Topic: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s
Replies: 32
Views: 2186

Re: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s

Sounds like you have a good EJ rep and as long as that's the case I'd leave things as is for now.
by tibbitts
Thu May 21, 2020 7:59 pm
Forum: Personal Consumer Issues
Topic: Do you dislike recurring billing for gyms?
Replies: 68
Views: 3409

Re: Do you dislike recurring billing for gyms?

I autopay all my bills, so gyms are just one more. On one hand, autopay can be dangerous because you can forget about all the little charges billed monthly and totally blow your budget. There is also the risk of over charge. On the other hand, manually paying bills would get extremely tedious and c...
by tibbitts
Thu May 21, 2020 6:55 pm
Forum: Personal Consumer Issues
Topic: Email for young teen with ability to auto delete nasty spam
Replies: 32
Views: 2126

Re: Email for young teen with ability to auto delete nasty spam

Have her create a new gmail account and send the new address to her contacts. Change the old gmail account password to one she doesn’t know, and you check her gmail for the next month or so and forward actual emails to her. If the spam stops, she can take the account back again. I don't like the id...
by tibbitts
Thu May 21, 2020 10:29 am
Forum: Personal Consumer Issues
Topic: Do you dislike recurring billing for gyms?
Replies: 68
Views: 3409

Re: Do you dislike recurring billing for gyms?

I autopay all my bills, so gyms are just one more. On one hand, autopay can be dangerous because you can forget about all the little charges billed monthly and totally blow your budget. There is also the risk of over charge. On the other hand, manually paying bills would get extremely tedious and c...
by tibbitts
Thu May 21, 2020 10:24 am
Forum: Personal Investments
Topic: Sold some stock on new highs today!
Replies: 23
Views: 2326

Re: Sold some stock on new highs today!

No politics but we allow threads on daily transactions now? How is this actionable or beneficial to the community in any way? I bought some EE Bonds today. I'm waiting on a transfer from Paypal to clear and then I will buy some individual stocks in my play money account as soon as I can. If you tak...
by tibbitts
Thu May 21, 2020 10:13 am
Forum: Investing - Theory, News & General
Topic: Investing in International Stocks
Replies: 40
Views: 2993

Re: Investing in International Stocks

I think most people where aware that there were stock exchanges around the world, and doubt anybody thought there was a single "international stock exchange" (implying ex-US, I guess?) And some stocks trade on "foreign" (to them) exchanges, for example through ADRs. But I don't understand the point ...
by tibbitts
Thu May 21, 2020 10:04 am
Forum: Personal Finance (Not Investing)
Topic: How specific should I be in my will with regards to investing?
Replies: 13
Views: 985

Re: How specific should I be in my will with regards to investing?

I would caution against being too specific in the wil or trustl vs. a letter of instruction. The letter you can tweak constantly and isn't enforcable, so if circumstances change such that other actions would be appropriate, you might want the trustee to have more flexibility. For example, posts here...
by tibbitts
Tue May 19, 2020 10:31 pm
Forum: Personal Investments
Topic: Will the 4% Rule hold true in the future?
Replies: 18
Views: 2128

Re: Will the 4% Rule hold true in the future?

One thing I think the Trinity study misses is basic math for a pile of money safely invested in a (high yield) bank account. You can spend down the principal at X rate if you divide 100 by the number of years it is needed. You want 50 years of money, 100/50 = 2% withdraw rate. You want 30 years, 10...
by tibbitts
Tue May 19, 2020 9:12 pm
Forum: Investing - Theory, News & General
Topic: If you have access to TIAA-Traditional, should you own *any* bonds right now?
Replies: 14
Views: 937

Re: If you have access to TIAA-Traditional, should you own *any* bonds right now?

Hi All, Presently, our ORP gives us access to the Vanguard TRFs, which represent a user-selected (by year/horizon) proportion of stocks to bonds. But, as all of our funds are offered through TIAA, we also have access to the guaranteed 3% return of TIAA Traditional. In contemplating a rebalance towa...
by tibbitts
Tue May 19, 2020 4:52 pm
Forum: Personal Investments
Topic: TIAA traditional vs. Vanguard Total Market Bond index
Replies: 51
Views: 2569

Re: TIAA traditional vs. Vanguard Total Market Bond index

I am going to initially transfer to the bond fund because transferring to TIAA is irrevocable. Then I will think about it and hope the TIAA rates don't go down while I'm doing that but they probably will. Thanks for the input. I don't think it is true that it is irrevocable in the sense that you ca...
by tibbitts
Tue May 19, 2020 4:37 pm
Forum: Personal Consumer Issues
Topic: Vault Safe in the attic; welded, anyone ?
Replies: 78
Views: 4035

Re: Vault Safe in the attic; welded, anyone ?

Abe wrote:
Tue May 19, 2020 3:32 pm
novemberrain wrote:
Mon May 18, 2020 8:29 pm
What do you guys think ?
I think you should get a safety deposit box at a bank.
Normally I would agree but safe deposit boxes are now much less convenient to access than befoe Covid-19. I'm thinking they might be a better option again post-vaccine.
by tibbitts
Tue May 19, 2020 2:36 pm
Forum: Personal Consumer Issues
Topic: Vault Safe in the attic; welded, anyone ?
Replies: 78
Views: 4035

Re: Vault Safe in the attic; welded, anyone ?

whodidntante wrote:
Mon May 18, 2020 9:42 pm
Sounds fun. But a safe deposit box is more secure.
Unfortunately so secure thanks to Covid-19 it might take an act of Congress to access the contents.
by tibbitts
Tue May 19, 2020 12:55 pm
Forum: Personal Consumer Issues
Topic: Ford F150 Engine long term reliability - V8 versus Turbo V6?
Replies: 62
Views: 3744

Re: Ford F150 Engine long term reliability - V8 versus Turbo V6?

helloeveryone wrote:
Tue May 19, 2020 11:21 am
If one was considering either a new or < 5-6 year used Ford F150 - would you get the V8 versus Turbo V6 for engine reliability purposes?
I would think the v8.
by tibbitts
Tue May 19, 2020 12:48 pm
Forum: Personal Consumer Issues
Topic: Ford F150 Engine long term reliability - V8 versus Turbo V6?
Replies: 62
Views: 3744

Re: Ford F150 Engine long term reliability - V8 versus Turbo V6?

helloeveryone wrote:
Tue May 19, 2020 11:21 am
If one was considering either a new or < 5-6 year used Ford F150 - would you get the V8 versus Turbo V6 for engine reliability purposes?
I would guess the v8, but would also consider the 6.2L in the Super Duty.
by tibbitts
Tue May 19, 2020 11:25 am
Forum: Personal Consumer Issues
Topic: Sources for N95 masks
Replies: 44
Views: 3420

Re: Sources for N95 masks

3feetpete wrote:
Mon May 18, 2020 8:20 pm
Has anyone found a legitimate and reasonably priced N95 mask supplier? I'm supposed to take a long flight at the end of the summer so I can wait but what I see advertised now looks like there are a lot of scams out there.
How long is "long"?
by tibbitts
Tue May 19, 2020 9:06 am
Forum: Personal Investments
Topic: TIAA traditional vs. Vanguard Total Market Bond index
Replies: 51
Views: 2569

Re: TIAA traditional vs. Vanguard Total Market Bond index

So what? If one isn't looking at their investments, then they wouldn't even know that. Also a big negative for TIAA TA is that it really cannot be used for rebalancing which is a big deal in the World of Bogleheads. I don't care that I cannot use TIAA Traditional for rebalancing as it only makes up...
by tibbitts
Mon May 18, 2020 5:59 pm
Forum: Investing - Theory, News & General
Topic: Social Security is an asset....yet again
Replies: 129
Views: 5695

Re: Social Security is an asset....yet again

Maybe I didn't notice but did the author include the 20%+ reduction in benefits that will occur in the early 2030s? Is this the currently projected shortfall or something specific that is already slated to change?? Just started looking a bit further out at retirement issues so this is of interest.....
by tibbitts
Mon May 18, 2020 5:52 pm
Forum: Investing - Theory, News & General
Topic: Social Security is an asset....yet again
Replies: 129
Views: 5695

Re: Social Security is an asset....yet again

Maybe I didn't notice but did the author include the 20%+ reduction in benefits that will occur in the early 2030s? Is this the currently projected shortfall or something specific that is already slated to change?? Just started looking a bit further out at retirement issues so this is of interest.....
by tibbitts
Mon May 18, 2020 5:46 pm
Forum: Personal Investments
Topic: Best place to gradually save $6000 to max-out Roth IRA contribution in January
Replies: 54
Views: 3684

Re: Best place to gradually save $6000 to max-out Roth IRA contribution in January

you don't need to wait until next january to put the money in the market. you can put it in a brokerage account all year long as you get it, invested in whatever you do in the ira. moving accounts after the new year is just housekeeping. You could, but you might have to contribute much more than th...
by tibbitts
Mon May 18, 2020 5:43 pm
Forum: Personal Investments
Topic: Best place to gradually save $6000 to max-out Roth IRA contribution in January
Replies: 54
Views: 3684

Re: Best place to gradually save $6000 to max-out Roth IRA contribution in January

Hello! Is there a recommend method for saving/"storing" $6,000 over the course of each year for the purpose of maxing out a Roth IRA contribution at the start of each new year? My initial thought is to gradually over-fund an emergency fund by $6,000, and then transfer it to my Roth IRA for each new...
by tibbitts
Mon May 18, 2020 1:20 pm
Forum: Investing - Theory, News & General
Topic: Social Security is an asset....yet again
Replies: 129
Views: 5695

Re: Social Security is an asset....yet again

Maybe I didn't notice but did the author include the 20%+ reduction in benefits that will occur in the early 2030s?
by tibbitts
Mon May 18, 2020 10:04 am
Forum: Personal Investments
Topic: Holding cash the right choice?
Replies: 17
Views: 2413

Re: Holding cash the right choice?

zachslow wrote:
Sun May 17, 2020 11:32 pm
Actual cash
I think this is a first for Bogleheads: $95,000 in various denomination dollar bills at your house. Wow.
by tibbitts
Mon May 18, 2020 9:18 am
Forum: Personal Consumer Issues
Topic: Alternatives to Craftsman Tools
Replies: 98
Views: 6234

Re: Alternatives to Craftsman Tools

Completely serious question; what makes Snap On tools worth the premium? I do a reasonable amount of small engine work with Home Depot tools and have never had an issue but perhaps I don’t know what I’m missing with a more high end brand? I once asked a mechanic why he preferred Snap On tools over ...
by tibbitts
Mon May 18, 2020 8:56 am
Forum: Investing - Theory, News & General
Topic: Dividend vs Total Return question
Replies: 66
Views: 2736

Re: Dividend vs Total Return question

One question and I do not want to start the usual back and forth about this. Please clearly explain this one thing that bothers me to no end. You have 100,000 to invest. I have 100,000 to invest. You invest it in the total mkt and take out 300 dollars per month selling shares. I invest it in a qual...
by tibbitts
Mon May 18, 2020 8:53 am
Forum: Personal Investments
Topic: Best place to gradually save $6000 to max-out Roth IRA contribution in January
Replies: 54
Views: 3684

Re: Best place to gradually save $6000 to max-out Roth IRA contribution in January

Hello! Is there a recommend method for saving/"storing" $6,000 over the course of each year for the purpose of maxing out a Roth IRA contribution at the start of each new year? My initial thought is to gradually over-fund an emergency fund by $6,000, and then transfer it to my Roth IRA for each new...
by tibbitts
Mon May 18, 2020 8:27 am
Forum: Personal Consumer Issues
Topic: Cheap Chromebook vs Laptop PC quality/options for child
Replies: 40
Views: 2143

Re: Cheap Chromebook vs Laptop PC quality/options for child

Buy a used PC for under $100 and install MX Linux on it. You can get a better price if the PC does NOT come with WIndows. The rapid depreciation is bad news for those who buy new but great news for those of us who buy used. Even a PC laptop that's several years old is likely much faster than a new ...
by tibbitts
Sun May 17, 2020 9:52 pm
Forum: Personal Consumer Issues
Topic: June vacation
Replies: 21
Views: 2284

Re: June vacation

Jerry476 wrote:
Sat May 16, 2020 11:47 pm
Wife and I are planning a late June vacation to Toronto, Canada with our two grandsons. People are telling me I’m out of my mind because of the coronavirus problem. Looking for sound Boglehead advice. Should we bag it or go forward?
Cancel now and hope for June 2021.
by tibbitts
Sun May 17, 2020 9:30 pm
Forum: Investing - Theory, News & General
Topic: Dividend vs Total Return question
Replies: 66
Views: 2736

Re: Dividend vs Total Return question

One question and I do not want to start the usual back and forth about this. Please clearly explain this one thing that bothers me to no end. You have 100,000 to invest. I have 100,000 to invest. You invest it in the total mkt and take out 300 dollars per month selling shares. I invest it in a qual...
by tibbitts
Sun May 17, 2020 7:13 pm
Forum: Investing - Theory, News & General
Topic: Dividend vs Total Return question
Replies: 66
Views: 2736

Re: Dividend vs Total Return question

One question and I do not want to start the usual back and forth about this. Please clearly explain this one thing that bothers me to no end. You have 100,000 to invest. I have 100,000 to invest. You invest it in the total mkt and take out 300 dollars per month selling shares. I invest it in a qual...
by tibbitts
Sun May 17, 2020 4:39 pm
Forum: Investing - Theory, News & General
Topic: Dividend vs Total Return question
Replies: 66
Views: 2736

Re: Dividend vs Total Return question

One question and I do not want to start the usual back and forth about this. Please clearly explain this one thing that bothers me to no end. You have 100,000 to invest. I have 100,000 to invest. You invest it in the total mkt and take out 300 dollars per month selling shares. I invest it in a qual...