Search found 7998 matches

by tibbitts
Fri Nov 16, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: What convenience fees does your city charge for credit card use?
Replies: 30
Views: 1129

Re: What convenience fees does your city charge for credit card use?

My city water utility charges $2.00 per transaction. I pay by check now that they've implemented it. :annoyed $2 per credit card transaction regardless of the amount due? Yes, no matter what my water bill is, if I want to use a cc/debit card to pay my monthly bill online, they charge 2 bucks. I can...
by tibbitts
Fri Nov 16, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: What convenience fees does your city charge for credit card use?
Replies: 30
Views: 1129

Re: What convenience fees does your city charge for credit card use?

My city water utility charges $2.00 per transaction. I pay by check now that they've implemented it. :annoyed $2 per credit card transaction regardless of the amount due? Yes, no matter what my water bill is, if I want to use a cc/debit card to pay my monthly bill online, they charge 2 bucks. I can...
by tibbitts
Fri Nov 16, 2018 8:44 am
Forum: Personal Finance (Not Investing)
Topic: How Long / Hard To Become a Millionaire on Under $100k Income
Replies: 69
Views: 4875

Re: How Long / Hard To Become a Millionaire on Under $100k Income

Hello, I am wondering how hard it is to become a millionaire on an income of less than $100k? Is millionaire status still achievable by 50? by 40? At some point, expenses can't be reduced any further. At what point does income have to rise substantially in order to reach early financial independenc...
by tibbitts
Wed Nov 14, 2018 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 447
Views: 42474

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I just wish there were a way to avoid getting the snail mail packet for each newly opened CD. 100% agreed. I don't mind the work of closing and opening No-penalty CDs when the rate goes up, but I hate getting and shredding all of the correspondence a week later. I called Ally and was told I could c...
by tibbitts
Tue Nov 13, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: Any space heaters that automatically maintain a temperature in a room!
Replies: 32
Views: 2536

Re: Any space heaters that automatically maintain a temperature in a room!

So I bought my roommate a space heater because I can’t sleep when the house heating is on. Only think is the space heater gets too hot at night so he turns it off. We keep the heating temp at 60, but it seems to always go offf in the middle of the night after he shuts it off I can't understand what...
by tibbitts
Mon Nov 12, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: Granddaughter needs $ help for university
Replies: 97
Views: 7074

Re: Granddaughter needs $ help for university

This is a difficult decision. It sounds like you haven't been too involved with the process and that makes it more difficult. It helps if you understand how the situation got to where it is - it sounds like something went wrong, but you don't have the entire story.
by tibbitts
Mon Nov 12, 2018 8:55 am
Forum: Personal Consumer Issues
Topic: Still spending too much on non-essentials
Replies: 38
Views: 2405

Re: Still spending too much on non-essentials

I spend tens of thousands of dollars a year on non-essentials. Finally a category I'm not last in on Bogleheads - very satisfying.

Seriously, the OP is in a sad situation where a tiny amount of non-discretionary spending is upsetting.
by tibbitts
Sun Nov 11, 2018 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA R1 With Painfully High Expenses - stuck?
Replies: 34
Views: 1916

Re: TIAA R1 With Painfully High Expenses - stuck?

There is so much misunderstanding about the TIAA Real Estate account (TREA). It is not a REIT. It does not pay a dividend. It's NAV does not change daily because of market buy-sell trades. It does own about 10% REITs, and some movement occurs on this basis. For the rest of TREA, its value is based ...
by tibbitts
Sun Nov 11, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 107
Views: 4118

Re: Point and shoot camera

Going to B&H tomorrow or the next day, but will spend some time on the KEH site before then. If you are in NYC that is a great choice. Be sure to check that they will be open since they close often for religious holidays. Well... I used to shop for camera equipment somewhat often in NYC, and I don'...
by tibbitts
Sun Nov 11, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 107
Views: 4118

Re: Point and shoot camera

One thing smartphones don't give you is optical zoom. If you liked you Nikon coolpix why not just buy another that fits your budget? It will feel more familiar versus flipping to a cannon or panssonic. Depending upon your budget you can get the A10 for around $100 (5x optical zoom) or the A900 (35x...
by tibbitts
Sat Nov 10, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: International Travel during Maternity/Paternity
Replies: 86
Views: 3493

Re: International Travel during Maternity/Paternity

But would you rather do that or take a 6 week trip with the kids when they can enjoy it too? Or retire 6 weeks early? You're convinced you don't need the leave for the conventional purpose so at least try to work a deal. we're already FI, not interesed in super early FIRE. can take sabbatical in th...
by tibbitts
Sat Nov 10, 2018 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA R1 With Painfully High Expenses - stuck?
Replies: 34
Views: 1916

Re: TIAA R1 With Painfully High Expenses - stuck?

But it's worth saying in comparison to say Vanguard REIT index fund: - the Vanguard Fund has an MER but the actual management costs of the REITs therein are on top of that - whereas the TIAA RE fund includes those costs - it's more explicit No, this is a common misconception. The TIAA Real Estate A...
by tibbitts
Sat Nov 10, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: International Travel during Maternity/Paternity
Replies: 86
Views: 3493

Re: International Travel during Maternity/Paternity

What is it you plan to see in your travels? When we adopted our first infant child, while waiting for the legal go ahead to leave the state, we went to the zoo. In an entire day, we saw 2 animal exhibits. In my humble opinion, travel during this time is silly. We also adopted a second, 4 years late...
by tibbitts
Sat Nov 10, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: International Travel during Maternity/Paternity
Replies: 86
Views: 3493

Re: International Travel during Maternity/Paternity

I don't have kids but had foster kids starting at 5 days old. I think this is a horrible idea. If you want to negotiate with your employer and swap your leave for comp time later fine, it would be far better to just go back to work immediately and save that "vacation" time to use later. The travel w...
by tibbitts
Sat Nov 10, 2018 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Doing taxes by hand
Replies: 83
Views: 4796

Re: Doing taxes by hand

I am attracted to the idea of doing my taxes by hand with no software. Just the forms, a pencil, and calculator. Especially since TurboTax is like $70 now. Software under $20 (FreeTaxUSA etc.) is still much easier than doing it by hand, especially when you make changes. Oops, another 1099 came in. ...
by tibbitts
Sat Nov 10, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Doing taxes by hand
Replies: 83
Views: 4796

Re: Doing taxes by hand

The Free Fillable Forms allow you to file electronically and most importantly do basic math calculations and validations. It makes absolutely no sense to take the unnecessary risk of filing completely manually. Do you think you will go to jail if you make a small arithmetic mistake? No, the IRS cat...
by tibbitts
Sat Nov 10, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 107
Views: 4118

Re: Point and shoot camera

I bought a Sony RX100 V for $600 used on ebay. This camera takes phenomenal photos and does well in low light, I previously owned the I, II, & III. It is the best camera to take mountain climbing, dslr quality without the weight. I bought a Canon PowerShot SX730HS used on ebay for $120. I use this ...
by tibbitts
Sat Nov 10, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 107
Views: 4118

Re: Point and shoot camera

As others have mentioned, the G9X (newer model is the G9X II) from Canon nicely fits what I need. The 1" sensor (sensor is actually the Sony RX100) allows for great low light shooting. I bought this a few months before going on vacation to Seattle and Vancouver last month. The images are sharp. The...
by tibbitts
Sat Nov 10, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 107
Views: 4118

Re: Point and shoot camera

As others have mentioned, the G9X (newer model is the G9X II) from Canon nicely fits what I need. The 1" sensor (sensor is actually the Sony RX100) allows for great low light shooting. I bought this a few months before going on vacation to Seattle and Vancouver last month. The images are sharp. The...
by tibbitts
Fri Nov 09, 2018 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Doing taxes by hand
Replies: 83
Views: 4796

Re: Doing taxes by hand

I am attracted to the idea of doing my taxes by hand with no software. Just the forms, a pencil, and calculator. Especially since TurboTax is like $70 now. For 2018 I will have no itemized deductions but I will have ESPP and RSU sales, and of course contributions to retirement accounts. Is it a bad...
by tibbitts
Fri Nov 09, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 107
Views: 4118

Re: Point and shoot camera

My old Nikon CoolPix just died, aged about 15 years. I need a new camera - yes, I know my phone takes pictures and it's gotten me some surprisingly good ones, but I want a camera. I am no photographer so a point and shoot will do just fine. Did a scan of the offerings on eBay and Amazon and don't u...
by tibbitts
Fri Nov 09, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 107
Views: 4118

Re: Point and shoot camera

There is absolutely zero point in buying a camera unless it has a viewfinder, which will knock out 95% of P&S camera, so you can narrow your search down from there. It can be an optical or electronic viewfinder, and doesn't even have to be the most awesome viewfinder ever, it just has to be there. T...
by tibbitts
Thu Nov 08, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 83
Views: 5918

Re: Too many choices for my next TRUCK

Was in same place a couple years ago. Personally Tundra would be the last I consider. Worst fuel economy and worst towing capacity. Ford and GM reliability ratings have matched or exceeded Toyota since about 2008 according to most JD Power and Car&Driver reports. That is across the spectrum of vehi...
by tibbitts
Thu Nov 08, 2018 7:45 pm
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 83
Views: 5918

Re: Too many choices for my next TRUCK

Although I've sometimes suggested a heavier model truck for anyone who needs one, the comment on the bed size was unusual. Bed sizes of all the usual suspect sizes are available on 150/250/350 trucks. But that's a huge choice - bigger is definitely not always better. Combine four full doors and an e...
by tibbitts
Thu Nov 08, 2018 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 447
Views: 42474

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

When I went to ally.com, I saw the promo on top of the front page. I know some people reported not having it tho. I wonder why the response was so huge on this? I've seen other deals like $400 for 10k at HSBC or $500 for 50k at CapOne. Maybe because it included existing customers Yes. I know with C...
by tibbitts
Wed Nov 07, 2018 8:54 am
Forum: Personal Finance (Not Investing)
Topic: FreeTaxUSA.com now has 2018 Return available.
Replies: 28
Views: 2966

Re: FreeTaxUSA.com now has 2018 Return available.

I tried it last year but had bought HRBlock for the $15 deal so I filed with that. I was happy with FreeTax; HRBlock was a bit more of a struggle due to its treatment of 457 and 403b limits, but was okay too. My taxes came out the same with both, except for a very significant $1 due to a different r...
by tibbitts
Mon Nov 05, 2018 8:32 am
Forum: Investing - Theory, News & General
Topic: Question on the 4% withdrawal rule
Replies: 66
Views: 4347

Re: Question on the 4% withdrawal rule

We never hear in the financial press about delaying Social Security to 70 and safely spending more all lifelong, starting at 62 as explained in Cut-Throat's post. I believe the uncertainty over the pending SS benefit reduction has greatly complicated the SS story. If I felt I could simply rely on t...
by tibbitts
Sun Nov 04, 2018 12:27 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18274

Re: Vanguard website "unavailable during weekend of Nov 3"

I'm sure if you had 3 or 4 billion banked at Vanguard, you probably got the heads up on the Vanguard upgrade. For the rest of the unwashed masses....get over it. In all of recorded history it has never worked like this. There's no getting over it. The higher caste will always get what's coming to t...
by tibbitts
Sun Nov 04, 2018 11:05 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18274

Re: Vanguard website "unavailable during weekend of Nov 3"

The site is working for me now, but it might matter if you have a mutual fund or brokerage account. Mine is a mutual fund account.
by tibbitts
Sun Nov 04, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 9174

Re: retirement travel: RVs vs fly/drive/hotel

We have traveled extensively been to all 50 states and 10 Canadian Provinces always staying in hotels. We retired in 2015 and spend 3-4 months on the road. We entertained the travel trailer idea and can not get over the following road blocks.... 1. Every trailer park we have driven past the trailer...
by tibbitts
Sun Nov 04, 2018 9:06 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18274

Re: Vanguard website "unavailable during weekend of Nov 3"

I worked in IT for 20 years. Whenever we planned for down times there were always a few that complained and some end users were so called experts. We would chuckle and laugh it off. This thread is not so different. +1 4 pages of complaining about Vanguard closing the site for one day. Maybe this wa...
by tibbitts
Sun Nov 04, 2018 8:41 am
Forum: Investing - Theory, News & General
Topic: Question on the 4% withdrawal rule
Replies: 66
Views: 4347

Re: Question on the 4% withdrawal rule

I have a quick question on the 4% rule. From what I understand this rule states that one can withdraw 4% of the portfolio in the first year of retirement and then increase 4% by inflation and that the portfolio would last your lifetime. The question I have is. Say I start with one million and say i...
by tibbitts
Sat Nov 03, 2018 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Looking for Fidelity managed mutual fund ideas
Replies: 11
Views: 621

Re: Looking for Fidelity managed mutual fund ideas

Hi BH, To complement my standard Fidelity 3FP, I am researching domestic equity and sector specific mutual funds and would like to know who is tilting their portfolio with additional mutual funds and what is considered a high ER and stock turnover percentage with managed mutual funds? TIA You won't...
by tibbitts
Sat Nov 03, 2018 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Get out of Morgan Stanley!
Replies: 22
Views: 2592

Re: Get out of Morgan Stanley!

Not sure why you can’t do a transfer in kind with VG. They can initiate it so no need to deal with others. I was in a similar situation, and in some cases with a full-service broker, you will find you do not have discretion to buy/sell/trade your own investments - only your adviser can initiate tra...
by tibbitts
Sat Nov 03, 2018 11:21 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18274

Re: Vanguard website "unavailable during weekend of Nov 3"

by Broken Man 1999 » Sat Nov 03, 2018 10:33 am I just logged in. Balances of Vanguard accounts displayed. But I already knew what they were. Still nice to see everything was still there. I just logged on and am not seeing any balances. Message that they are currently unavailable. Also received a me...
by tibbitts
Sat Nov 03, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: Should I buy a fire truck?
Replies: 13
Views: 877

Re: Should I buy a fire truck?

I'm surprised a smaller FD wouldn't buy this vehicle.
by tibbitts
Sat Nov 03, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Shouldn’t I Diversify My Income Sources?
Replies: 9
Views: 931

Re: Shouldn’t I Diversify My Income Sources?

Hello, My income sources are currently my w-2 income, my spouses w-2 income, spouses eventual pension income in retirement, and eventual 401k and Roth income in retirement. Does it make sense to also have another source of income that is not tied to my job or the stock market? I was thinking about ...
by tibbitts
Sat Nov 03, 2018 10:21 am
Forum: Investing - Theory, News & General
Topic: WSJ: Sometimes, It’s Bonds For the Long Run
Replies: 72
Views: 5941

Re: WSJ: Sometimes, It’s Bonds For the Long Run

This article only convinced me that stocks are better for the long run, assuming you don’t capitulate. Depending on your definition of "long run", you can perhaps say "have been better", not necessarily "are better." And the "long run" in terms of your lifetime might not be long enough to realize t...
by tibbitts
Sat Nov 03, 2018 10:19 am
Forum: Investing - Theory, News & General
Topic: WSJ: Sometimes, It’s Bonds For the Long Run
Replies: 72
Views: 5941

Re: WSJ: Sometimes, It’s Bonds For the Long Run

History shows that a portfolio of bonds has outperformed stocks surprisingly often and for shockingly long periods. It seems to me that if people would simply admit predicting future returns in the markets is a fools game and commit to a mix of 25% - 75% equities + bonds, indexed/low-cost/etc. they...
by tibbitts
Sat Nov 03, 2018 10:08 am
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 9174

Re: retirement travel: RVs vs fly/drive/hotel

I've owned a few difference RVs and there is no perfect solution. Small differences mean a lot - a few feet of length, 7 vs. 7.5 vs 8ft widths. Travel done right always involves a lot of u-turns and that can be challenging - sometimes challenging just with a car or truck. You don't want the RV to ke...
by tibbitts
Sat Nov 03, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 9174

Re: retirement travel: RVs vs fly/drive/hotel

{we hope to get up to Ft Townsend area and see the Olympic Peninsula again next year. We’ve been to Victoria before but that’s before RV, and really can’t see the economics of getting a truck/trailer there via ferry as it’s very expensive. } Yes, it's expensive to take your RV on the ferry, but not...
by tibbitts
Fri Nov 02, 2018 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Panic set in... now what?
Replies: 63
Views: 10916

Re: Panic set in... now what?

I disagree with most of the posts here. You've found your correct allocation, although if people want to suggest 20% equity vs. 15%... whatever. However I wouldn't add that 5% unless equities drop below the value they were at when you sold, which is a pretty simple rule. That might mean waiting fore...
by tibbitts
Mon Oct 29, 2018 7:39 am
Forum: Investing - Help with Personal Investments
Topic: VASGX - What to do? [VG LifeStrategy Growth]
Replies: 15
Views: 1100

Re: VASGX - What to do? [VG LifeStrategy Growth]

There are different places to put your money, not necessarily better. When you invested you assumed risks, and so far the risk has played out to some degree. You could have invested a year ago at 1% "safely" and assumed inflation risk (and lost maybe 2% of your investment, so less) but you chose not...
by tibbitts
Sat Oct 27, 2018 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: How to exit out of the Stock Market?
Replies: 58
Views: 6126

Re: How to exit out of the Stock Market?

Thank you for the replies. I am not sure what to say because the replies keep saying I am timing the market but I don't see it that way at all. I see it as protecting my gains. I have two funds that are totally invested in the stock market. I may need to use the money in the coming years so it is t...
by tibbitts
Wed Oct 17, 2018 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 447
Views: 42474

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Can you deposit funds into one Ally account from outside now, and move the same funds directly to another qualifying Ally account during the promotion, and still qualify for the maximum bonus?
by tibbitts
Wed Oct 17, 2018 7:55 am
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 11284

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

I’m at 25% international.... From the perspective of a US investor, what’s the allure of owning the global cap weight of Europe and Japan? I see a series of demographic issues, which seem unlikely to improve. All the experts who, back in the '80s, told us Japan would dominate the world economy goin...
by tibbitts
Wed Oct 17, 2018 7:47 am
Forum: Personal Consumer Issues
Topic: Need new email address. Gmail or ???
Replies: 70
Views: 5290

Re: Need new email address. Gmail or ???

Gmail is fine, especially if you couple it with a pc client such as Thunderbird. Isn't using Thunderbird for Gmail just adding another layer of complexity? I can just log onto Gmail with any browser, from anywhere. What benefit does Thunderbird (or any computer-resident email program) add? I like h...
by tibbitts
Mon Oct 15, 2018 12:03 am
Forum: Personal Consumer Issues
Topic: Need new email address. Gmail or ???
Replies: 70
Views: 5290

Re: Need new email address. Gmail or ???

What benefit does Thunderbird (or any computer-resident email program) add [over gmail]? You can copy mail to local mail folders on your computer for offline archiving, and then delete it from the Gmail account. I did this when I retired from the college where I had worked for many years. It uses a...
by tibbitts
Sun Oct 14, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Need new email address. Gmail or ???
Replies: 70
Views: 5290

Re: Need new email address. Gmail or ???

HueyLD wrote:
Sun Oct 14, 2018 4:37 am
How much does Zoho charge?
I believe you can still host your domain for free, but a significant change recently is you can no longer use POP/IMAP/SMTP. So, web access only. I don't know if older accounts were grandfathered, as with free gmail domain hosting.
by tibbitts
Sat Oct 13, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: Need new email address. Gmail or ???
Replies: 70
Views: 5290

Re: Need new email address. Gmail or ???

Get your own domain name. You will never need to change. For example, joe@bowtie.com Well, you won't have to change it, but you may have to buy email service... or use forwarding, which can be problematic. Gmail used to allow hosting domain names for free, but no longer does. I think Zoho still doe...