Search found 7892 matches

by tibbitts
Sun Sep 23, 2018 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice for a Teacher
Replies: 6
Views: 267

Re: Investment Advice for a Teacher

I am a 50 year old teacher who is planning on retiring in 14 years. I have saved a good amount of money in my 403(B) and have the following asset allocations: Fidelity Total Market Index (FSTVX) 30% Fidelity 500 Index (FUSVX) 30% Fidelity Capital & Income (FAGIX) 30% Fidelity International Index (F...
by tibbitts
Sat Sep 22, 2018 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio with 3.2% Yield
Replies: 16
Views: 2101

Re: Portfolio with 3.2% Yield

I dont understand the risk, the average annual total return of this portfolio is a little higher than 11% and this includes the 2007-2008 subprime financial crisis. The 3% dividend will be paid even if we get into an extended bear market for 10 years. So I need not rely on capital withdrawal and th...
by tibbitts
Sat Sep 22, 2018 7:43 am
Forum: Investing - Theory, News & General
Topic: Buckingham Strategic Wealth #12 on Barron's
Replies: 13
Views: 1455

Re: Buckingham Strategic Wealth #12 on Barron's

Wonder how many forum members are donating their 1% to his firm. H There are firms that provide “value” to their clients. Don’t be fixated on cost - Old saying “penny wise, pound foolish”. Buying the cheapest could cost you dearly. But I don't believe there is any correlation between cost and benef...
by tibbitts
Sat Sep 22, 2018 7:33 am
Forum: Investing - Help with Personal Investments
Topic: Out of Market
Replies: 23
Views: 3226

Re: Out of Market

Never thought I would walkway from the market but at the age of 78 with health issues I decided to maintain about 10% of my assets in stocks (currently own) and another 10% in high rated corporate bonds (currently own) yielding 4-5%. I also keep 10% in cash for emergency (2% Vanguard Prime MM). I a...
by tibbitts
Sat Sep 22, 2018 7:24 am
Forum: Investing - Help with Personal Investments
Topic: Stable Value Similat to What Bond Fund
Replies: 9
Views: 723

Re: Stable Value Similat to What Bond Fund

I have a stable value fund in my deferred comp. It only pays 2 %. I want to establish an AA and use Portfolio Visualizer to run some options. Would Vanguard Short Term Bond be a good comparison for the stable value? Or Vanguard Short Term Government Bond fund. Or should I just use Vanguards Money M...
by tibbitts
Sat Sep 22, 2018 7:16 am
Forum: Investing - Theory, News & General
Topic: Are unleveraged real estate returns more comparable to stock market returns or just a notch above inflation?
Replies: 69
Views: 3322

Re: Are unleveraged real estate returns more comparable to stock market returns or just a notch above inflation?

Real estate is also risky but with the added bonus of upkeep. It seems there is always something to do. Most years it's toilets, faucets, exhaust fans, landscaping, lighting etc. Sometimes it's furnaces, carpet, structural issues, roofs, etc. And you also get to deal with renters, insurance, taxes,...
by tibbitts
Sat Sep 22, 2018 6:49 am
Forum: Personal Consumer Issues
Topic: My Very First Smartphone — Please Critique This Plan
Replies: 75
Views: 3355

Re: My Very First Smartphone — Please Critique This Plan

Your mileage may and will vary. I rent nothing from Verizon or any other company so in the long run I save in fees. I would strongly suggest you get a 20 or 30 something millennial to help you in your analysis. My youngest daughter helped me and walked me thru the changes. I think a lot of the post...
by tibbitts
Sat Sep 22, 2018 6:38 am
Forum: Investing - Help with Personal Investments
Topic: Bond Fund Question
Replies: 13
Views: 895

Re: Bond Fund Question

You might also consider how the bonds might perform in a 2008/2009 scenario, where pretty much government bonds were the only ones that came through relatively unscathed. The "too-high" percentage of government bonds in Total Bond Market could be your friend sometimes. I have no total bond or other ...
by tibbitts
Fri Sep 21, 2018 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice
Replies: 43
Views: 4388

Re: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice

You have to look at it from different angles. The bank savings account is an FDIC insured account. The Vanguard Money market funds are not FDIC and thus are somewhat higher risk and thus yield to compensate for the risk. Personally we eliminated our low yield savings account at our bank a year ago ...
by tibbitts
Fri Sep 21, 2018 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Have You Successfully Moved Global Stock to Schwab?
Replies: 8
Views: 509

Re: Have You Successfully Moved Global Stock to Schwab?

You should contact Schwab and have them "pull" the shares in. Let them handle the transfer. That is what they do. Thanks, but that's not an option. Computershare has to initiate the transfer. Why? I have no idea, but I know that overall Bogleheads are far too optimistic about the ability of one com...
by tibbitts
Wed Sep 19, 2018 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor suggesting 7 Bond funds for my 40%
Replies: 44
Views: 5170

Re: Vanguard Advisor suggesting 7 Bond funds for my 40%

I don't see any problem with the advice, depending on the justification. Basically we are presuming the VG rep is guilty without so much as a hearing. The OP could email the rep to ask for an explanation for each holding, and then post the reply here. I have more than seven bonds funds, although off...
by tibbitts
Wed Sep 19, 2018 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: New job - worse retirement plan
Replies: 2
Views: 435

Re: New job - worse retirement plan

If those are the only costs that you listed there are people who would kill for your plan. Some just for access to Primecap.
by tibbitts
Wed Sep 19, 2018 5:29 pm
Forum: Investing - Theory, News & General
Topic: Convince a friend to go Boglehead
Replies: 17
Views: 980

Re: Convince a friend to go Boglehead

You have gone above and beyond already. At some point nagging become annoying, whether it's about investing or other lifestyle choices (weight, exercise, wardrobe, etc.)
by tibbitts
Wed Sep 19, 2018 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Very Basic Investing Question on Portfolio Growth Day-to-Day
Replies: 3
Views: 448

Re: Very Basic Investing Question on Portfolio Growth Day-to-Day

Hey all, Hoping to ask a very basic question on the growth of a portfolio. If one owns an index fund and that index fund goes up .50% that day, shouldn't the individual's holdings in that fund go up by 0.50%? For example, let's say you have the $1000 in VGTSX. That index fund is up 0.82% today. So ...
by tibbitts
Tue Sep 18, 2018 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisor - .30%
Replies: 23
Views: 3087

Re: Vanguard Personal Advisor - .33%

Hi Tibbitts I'm assuming that you responded to my comment that I have a some in PAS and some not? If you have $100k at Vanguard but 100 times that at Fidelity, etc. then I don't think it's helping you because my understanding is they're not looking at that other money. If everything you have is at ...
by tibbitts
Tue Sep 18, 2018 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Brokerage vs. Mutual Fund account - at Fidelity
Replies: 1
Views: 429

Re: Brokerage vs. Mutual Fund account - at Fidelity

After asking over on Morningstar, I decided to take the plunge and migrate my mutual fund to a brokerage IRA. We'll see how it works out, but the e-deposit feature is definitely handy.
by tibbitts
Tue Sep 18, 2018 7:47 am
Forum: Investing - Help with Personal Investments
Topic: Facing Retirement at year end
Replies: 22
Views: 2640

Re: Facing Retirement at year end

Health insurance coverages and costs are all over the map depending on where you live, with or without Obamacare, so it's hard for people to comment on something that will be a huge percentage of your expenses. Having said that, it sounds like you'll have $85k annual income if you take the pension, ...
by tibbitts
Tue Sep 18, 2018 7:28 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisor - .30%
Replies: 23
Views: 3087

Re: Vanguard Personal Advisor - .33%

If you have $100k at Vanguard but 100 times that at Fidelity, etc. then I don't think it's helping you because my understanding is they're not looking at that other money. If everything you have is at Vanguard maybe it has more value when it comes time to get a second opinion on combination of Roth ...
by tibbitts
Mon Sep 17, 2018 7:59 am
Forum: Investing - Theory, News & General
Topic: Equity allocation for Flagship clients?
Replies: 47
Views: 3776

Re: Equity allocation for Flagship clients?

When I read through the various posts and great insights on this forum, one thought frequently arises in my mind. That is, when discussing their AA, many people claim to have rather high equity exposure (70% or 80% or more). I am around 50% equity and wonder if I am not doing my AA properly. While ...
by tibbitts
Sun Sep 16, 2018 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of Retiring at 52, Please Critique Plan
Replies: 42
Views: 5688

Re: Thinking of Retiring at 52, Please Critique Plan

So sorry about the diagnosis; obviously whatever we said before knowing that may not apply at all.
by tibbitts
Sun Sep 16, 2018 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Am I "buying high" if I transfer stable value funds over to stock index fund now?
Replies: 26
Views: 1822

Re: Am I "buying high" if I transfer stable value funds over to stock index fund now?

I will be retiring between December 1 of this year and March 30th of 2019, depending on whether my wife needs a medical procedure performed or not. As of now, my entire 401k money has been moved over to a stable value fund as my employer offers some really poor mutual fund choices. Once retired, I ...
by tibbitts
Sun Sep 16, 2018 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of Retiring at 52, Please Critique Plan
Replies: 42
Views: 5688

Re: Thinking of Retiring at 52, Please Critique Plan

I would be terrified about health insurance if I were you. If you had asked me years ago I would have said that what's happened to insurance would have been completely unsustainable and yet here we are. So what will it cost you? $10k this year, $20k next year... how long before $40k? Remember the co...
by tibbitts
Sun Sep 16, 2018 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Am I "buying high" if I transfer stable value funds over to stock index fund now?
Replies: 26
Views: 1822

Re: Am I "buying high" if I transfer stable value funds over to stock index fund now?

I will be retiring between December 1 of this year and March 30th of 2019, depending on whether my wife needs a medical procedure performed or not. As of now, my entire 401k money has been moved over to a stable value fund as my employer offers some really poor mutual fund choices. Once retired, I ...
by tibbitts
Sun Sep 16, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: Should I sell my MacBook pro?
Replies: 18
Views: 1559

Re: Should I sell my MacBook pro?

I have an iMac at work an iMac at home, and an iPad pro. I rarely use my MBP, basically on once or twice a year work trips and when I am sick on the couch. iPad pro seems to be handling most stuff. If you were me, would you sell it? No, it's only worth $54.83 and you'll have to fill out four pages ...
by tibbitts
Sun Sep 16, 2018 11:32 am
Forum: Investing - Help with Personal Investments
Topic: How to stay the course when you “think” you can outsmart the market
Replies: 36
Views: 2197

Re: How to stay the course when you “think” you can outsmart the market

The problem early mistakes is that while we can say "they were only a few thousand dollars", they compound forever - not just for your life, but if you leave an estate... on and on. It's pretty depressing to think about. Sometimes there is no substitute for doing things correctly from the start.
by tibbitts
Sun Sep 16, 2018 11:05 am
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 131
Views: 33530

Re: Vanguard opens special offices for $1 million clients

Maybe instead of having remote offices Vanguard could travel the country in an RV. I just saw a 1984 Winnie for $1k. They could overnight in Walmart parking lots for free.
by tibbitts
Sun Sep 16, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Side Hustle Options/Suggestions.
Replies: 95
Views: 8940

Re: Side Hustle Options/Suggestions.

sports referee. basketball, volleyball, and lacrosse are good. get exercise etc... the money is made on the weekends though. b-ball on the weekends in the winter is o.k. here in chicago though. gets you off the couch on cold winter days. a lot of people don't claim this income as long as you don't ...
by tibbitts
Sun Sep 16, 2018 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security Until 70
Replies: 114
Views: 8537

Re: Delaying Social Security Until 70

Is everybody doing their calculations based on current law and the latest available statistics, with the associated payout reduction?
by tibbitts
Sun Sep 16, 2018 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 148
Views: 10364

Re: Considering Quitting Job - Seeking Advice. Would you do it?

The OP doesn't need to post company information, but it's pointless to discuss this without personal financial details - income, investments, pension provisions, expenses, etc. Everybody posts those, nobody can comment without them, although I think the schedule is crazy and essentially regardless o...
by tibbitts
Sat Sep 15, 2018 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Brokerage vs. Mutual Fund account - at Fidelity
Replies: 1
Views: 429

Brokerage vs. Mutual Fund account - at Fidelity

We all debate the features of Vanguard brokerage vs. IRA accounts here, and there are some important differences, but my question is about my two Fidelity accounts. I have a Fidelity brokerage account for a Roth; I have a Fidelity mutual fund account for a Traditional. I have two rollover checks mad...
by tibbitts
Sat Sep 15, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: How to start a website?
Replies: 12
Views: 1239

Re: How to start a website?

I have an idea for a website, the goal is for it to be a 'side hustle' or hobby: - Will display existing content from the web - Will allow feedback from people But how to start it? - I assume the first step is to register the domain. What's a good place to register? Cost? - How to make sure the sit...
by tibbitts
Sat Sep 15, 2018 9:24 am
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 171
Views: 8658

Re: How real is cyber risk?

The best way to mitigate the risk associated with phones/SIM cards is not to use cell phone numbers for 2FA. Use Google Voice instead. Text messages come into your Google Account that is in turn protected by 2FA. No excuses. I have had several institutions somehow detect Google Voice numbers and re...
by tibbitts
Sat Sep 15, 2018 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Side Hustle Options/Suggestions.
Replies: 95
Views: 8940

Re: Side Hustle Options/Suggestions.

You have infants at home and your going to spend your precious sleep time working minimum wage jobs.??? If you really need the money, spend the time on night classes, get a graduate degree and earn a promotion in your day job. You have a degree and a skilled profession, Don’t give up precious irrep...
by tibbitts
Sat Sep 15, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 93
Views: 4160

Re: I need a chainsaw to trim branches and limbs!!

I have had 2 16in electric chain saws and now a little (8in?) electric pole saw. With the chainsaw I would draw the line at the ladder - just too much danger of slipping. I have used the pole saw a couple of steps up on a ladder but not the chainsaws. With the pole saw I sometimes do get hit by fall...
by tibbitts
Sat Sep 15, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Service Date for Vesting - Teacher
Replies: 12
Views: 834

Re: Service Date for Vesting - Teacher

How much does she stand to get at 5 years? Probably less than a thousand per year at age 60/65. If you are looking to get contributions back (most states require being vested to get back contributions sans gains) you can do what the other replies are saying, sign the contract get a paycheck then re...
by tibbitts
Fri Sep 14, 2018 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Service Date for Vesting - Teacher
Replies: 12
Views: 834

Re: Service Date for Vesting - Teacher

In my state, your teacher's retirement pension anniversary date isn't when you start working, or when your contract starts, or the beginning of the next month. It's the day the USmail happens to deliver your first payment paperwork to the pension system. So for me, I started on October 15, but as fa...
by tibbitts
Wed Sep 12, 2018 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Any issues keeping <$1MIL in VMFXX (Money Market Fund)?
Replies: 21
Views: 2863

Re: Any issues keeping <$1MIL in VMFXX (Money Market Fund)?

Going to start my Vanguard journey with $500K-1MIL (3 fund portfolio) - but while I'm waiting to sort out details of allocation I want, etc -- are there any issues or repercussions with keeping that money in VMFXX in the meantime for up to 3 months or so? That way I can start collecting yields imme...
by tibbitts
Wed Sep 12, 2018 7:59 am
Forum: Personal Finance (Not Investing)
Topic: My daughter's inheritance.
Replies: 63
Views: 7996

Re: My daughter's inheritance.

I think some of the replies may be skipping over the intricacies of the trust. Maybe this is a job for a JD/CPA. The OP had not added the revocable trust part before I had posted the above. I did not assume that and it is one of the least complex forms of trust so it's not as complicated as I'd tho...
by tibbitts
Wed Sep 12, 2018 7:50 am
Forum: Investing - Theory, News & General
Topic: How to respond when your index fund drifts?
Replies: 5
Views: 627

Re: How to respond when your fund changes?

I don't invest in omnibus type funds like TBM or TSM. And for the most part even things like a gov/credit fund like the one you linked to. Hence I don't have the problem. Well you would have the same problem if for example you invest in an emerging markets fund and either: 1. a country that makes u...
by tibbitts
Wed Sep 12, 2018 12:05 am
Forum: Investing - Theory, News & General
Topic: Argument for taking social security before 70. Comments?
Replies: 111
Views: 7387

Re: Argument for taking social security before 70. Comments?

My problem is that most of the life expectancy calculators that actually take into account health, lifestyle, family history, etc. estimate my lifespan to be between 92 and 101. I suppose that's a good problem to have. :wink: Consequently, given the current law , I'll very likely defer SS to age 70...
by tibbitts
Tue Sep 11, 2018 11:29 pm
Forum: Investing - Theory, News & General
Topic: [A Boglehead explains the simplest way to manage your money - alternative viewpoint]
Replies: 45
Views: 4507

Re: [A Boglehead explains the simplest way to manage your money - alternative viewpoint]

I can see the value in pursuing bonuses, just like credit card rewards. But some of us have also made mistakes while pursuing bonuses - missed some disqualifying factor in the fine print (for example, maybe you once held an account with a predecessor firm.) In any case it's certainly a potentially p...
by tibbitts
Tue Sep 11, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: Toilet Makes A Flushing Sound Occasionally
Replies: 37
Views: 2817

Re: Toilet Makes A Flushing Sound Occasionally

I once replaced everything in the toilet tank only to have the tank still lose water. I didn't believe it but as the vendor of the new parts told me, the tank gasket was bad. I didn't believe it because I thought with a bad tank gasket the water would leak outside the toilet, but not true. So while ...
by tibbitts
Tue Sep 11, 2018 7:37 am
Forum: Personal Consumer Issues
Topic: Toilet Makes A Flushing Sound Occasionally
Replies: 37
Views: 2817

Re: Toilet Makes A Flushing Sound Occasionally

You might edit the title to say that water runs into your toilet tank occasionally. I've never heard of a toilet that makes a flushing sound occasionally, that would be something very different.
by tibbitts
Sun Sep 09, 2018 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: My daughter's inheritance.
Replies: 63
Views: 7996

Re: My daughter's inheritance.

I think some of the replies may be skipping over the intricacies of the trust. Maybe this is a job for a JD/CPA.
by tibbitts
Sun Sep 09, 2018 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: Lower Return Decade Says Jack: Thoughts?
Replies: 81
Views: 6556

Re: Lower Return Decade Says Jack: Thoughts?

Just read Jack Bogle's book (edited in 2017) and was a little discouraged about his comments that we should all expect lower returns in the next decade. For a 60/40 balanced fund it could be as low as 6% and even 4% in some circumstances. Am I misreading? Because if not, Id rather be in CDs and tak...
by tibbitts
Sun Sep 09, 2018 11:41 pm
Forum: Investing - Help with Personal Investments
Topic: Lower Return Decade Says Jack: Thoughts?
Replies: 81
Views: 6556

Re: Lower Return Decade Says Jack: Thoughts?

Yes, lower return is EXPECTED. Actual return could be much higher or much lower. On the other hand, CD would ensure low return. Man, this drives me crazy...you are right...it could be lower....we've had a long run...I still have 15 years before retirement... but would hate to get in with my lump su...
by tibbitts
Sun Sep 09, 2018 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: What happens when a country goes from VWO -> VEA?
Replies: 14
Views: 1022

Re: What happens when a country goes from VWO -> VEA?

Hi, I own both VEA and VWO in taxable accounts and was wondering if anyone knows what happens when an emerging country becomes developed and goes from VWO -> VEA? For example, Taiwan is in VWO but it's just a matter of time before it goes to VEA. Will we get large capital gains distributions? If so...
by tibbitts
Sat Sep 08, 2018 8:14 pm
Forum: Personal Consumer Issues
Topic: Cheapest way to buy phone for T-mobile
Replies: 18
Views: 1304

Re: Cheapest way to buy phone for T-mobile

I haven't bought a phone in about 6 years but mine is starting to act funny and long story short, I need a new phone. I'm looking for the cheapest way to buy a decent smartphone but the catch is that I have to stay with T-mobile for various reasons. Do I buy it off T-mobile location? Buy somewhere ...
by tibbitts
Sat Sep 08, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Hilton Honors
Replies: 15
Views: 1952

Re: Hilton Honors

I've been in HH since the '90s, but increasing so with all hotel programs you have to basically live at the hotels for years to accumulate any significant points. And if you travel for work, most employers will shop the best deal for all aspects of travel - air, hotel, etc. in each location, so if y...
by tibbitts
Sat Sep 08, 2018 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 12197

Re: Excessive Emergency Room Charges - Options?

I must be hardheaded. How do 99-percent on this thread say just pay it? If I was that hospital administrator I would jack up rates triple on everyone here because you will 'just pay it'. I would fight as hard as you can - the hospital is the one that gets to gouge you as hard as they want. Would yo...