Search found 7953 matches

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: 140
Views: 6023

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: 4945

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: 4945

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: 4945

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: 4945

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...
by tibbitts
Sat Oct 13, 2018 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Any Fidelity Puritan Fund (FPURX) investors?
Replies: 11
Views: 429

Re: Any FPURX investors?

atlgenxennial wrote:
Sat Oct 13, 2018 9:25 am
Market rebounded a bit yesterday, but FPURX down 5.44%

Any ideas of whats going on there?
You do realize that nobody knows what FPURX is?
by tibbitts
Sat Oct 13, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing?
Replies: 103
Views: 9535

Re: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing

“$1000/month job is worth $300k in retirement funds” Bringing in a $1000 a month would make a huge difference for some people but I would have to question the $300K figure. The problem is that you might be able to work the job for a while when you first retire but many if not most people will find ...
by tibbitts
Sat Oct 13, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing?
Replies: 103
Views: 9535

Re: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing

I won't go into all the details here, but In November I will transition into a different part-time position earning about $2,000 gross per month for 20 hours a week work on a flexible schedule. Back office work for a financial related entity. I am very happy and pleased that this opportunity was av...
by tibbitts
Sat Oct 13, 2018 8:52 am
Forum: Personal Finance (Not Investing)
Topic: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing?
Replies: 103
Views: 9535

Re: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing

Part time or full time, whichever tickles your fancy. Also it doesn’t necessarily have to earn $1000/month. It could be more or less, as long as it’s not zero. Personally, I think I would enjoy being a teacher, but haven’t really thought about this in depth, so I figured I’d ask all of you :) Depen...
by tibbitts
Fri Oct 12, 2018 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Bank lost beneficiary paperwork, says must go through probate
Replies: 18
Views: 2488

Re: Bank lost beneficiary paperwork, says must go through probate

No, she does not have a copy of the beneficiary form filled out by her father in 2007. Is that her responsibility? (She does have the handwritten notes she took from the meeting.) Doesn't the bank have responsibility to preserve record of beneficiaries form during a merger; or at least insure they ...
by tibbitts
Fri Oct 12, 2018 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth filing FAFSA even if you know you'll get nothing?
Replies: 70
Views: 4826

Re: Is it worth filing FAFSA even if you know you'll get nothing?

Yes, you should fill it out. Bogleheads have all the required data at hand so it's not like it will require much effort.
by tibbitts
Fri Oct 12, 2018 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Any funds that has same or better yields than online savings account?
Replies: 4
Views: 595

Re: Any funds that has same or better yields than online savings account?

Citizens Access online savings now pay 2.12%, any fixed income can do the same or tracking the market rate without risk? I found FLOT(iShares Floating Rate Bond ETF) is as good as online savings, are they same? Thanks, I have a floating rate bond fund and it bears no resemblance to a money market f...
by tibbitts
Thu Oct 11, 2018 7:46 pm
Forum: Investing - Theory, News & General
Topic: Looking for App to Analyze Past Fund Performance
Replies: 6
Views: 397

Re: Looking for App to Analyze Past Fund Performance

I'd like to find an application for my computer to do some research on the performance of various funds of my choosing over various time frames of my choosing in the past. I know I can manually go back and find prices on certain dates and construct something in Excel. But I don't think that would f...
by tibbitts
Thu Oct 11, 2018 6:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 94
Views: 4014

Re: Vanguard website problems [Transactions won't go through, 500 error...]

Today on the MF platform I was able to do an exchange at 3:58pm ET.
by tibbitts
Wed Oct 10, 2018 8:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 94
Views: 4014

Re: Vanguard website problems [Transactions won't go through, 500 error...]

I was going to make a massive(?) $100 transfer from cash to an equity fund, using the old MF platform, and was doing okay up to the very last step, when the server seemed to go away at about 3:53pm. Partly I was just doing it to see if I could. Oh well.
by tibbitts
Tue Oct 09, 2018 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Visa Signature: Car Rental, No Collision/Comprehensive
Replies: 17
Views: 1669

Re: Fidelity Visa Signature: Car Rental, No Collision/Comprehensive

Also $500 is a scratch. If you got rear-ended and anything got bent or broken it was close to $5000. You were lucky you didn't get hit with loss-of-use, which your card wouldn't have covered. Fidelity visa covers loss-of-use; even Amex platinum doesn't "Covered losses include: • Physical damage and...
by tibbitts
Tue Oct 09, 2018 6:32 pm
Forum: Personal Consumer Issues
Topic: Car Gurus ... Air Filter Recommendations
Replies: 22
Views: 1527

Re: Car Gurus ... Air Filter Recommendations

Please recommend brand of air filter and where to purchase. Going to replace cabin air filter and engine air filter in Lexus GX 460. Thanks. Unless that's a beater Lexus, I'm guessing it's worth enough that you don't need to save a few dollars on an air filter, and could just buy OEM. I just replac...
by tibbitts
Tue Oct 09, 2018 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Visa Signature: Car Rental, No Collision/Comprehensive
Replies: 17
Views: 1669

Re: Fidelity Visa Signature: Car Rental, No Collision/Comprehensive

Get the Chase Sapphire Reserve or a card with primary CDW. I got rear-ended at Vegas earlier this ear, while my car was stationary waiting to turn into traffic exiting a parking lot... wtf. Chase settled everything. I think it was like $500+ of damages. Never contacted my insurance company... There...
by tibbitts
Mon Oct 08, 2018 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Portfolio Watch advice
Replies: 14
Views: 1088

Re: Vanguard Portfolio Watch advice

I'm not a big portfolio watch fan, because so many holding can't be property characterized.
by tibbitts
Sun Oct 07, 2018 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Rate of return in negative
Replies: 16
Views: 1888

Re: Rate of return in negative

New to investing & started my 401k around month & half ago. I am investing $1500/month to Vanguard Instl Trgt Retire 2050 Instl. I know rate of return fluctuates but it's currently at (-1.50%). Rate of return is in negative. Is this normal & expected? You have to be prepared for much, much larger l...
by tibbitts
Sun Oct 07, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone used software to write a Will?
Replies: 15
Views: 1267

Re: Has anyone used software to write a Will?

Hi all, A recent death in the family has made me want to get serious about writing a will to provide for my family and kids. I'm in my mid-30s, so hopefully it won't be needed for a while (!), but if something tragic happened to both my wife and I, for instance, I'd want to have preparations made f...
by tibbitts
Sun Oct 07, 2018 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone used software to write a Will?
Replies: 15
Views: 1267

Re: Has anyone used software to write a Will?

There are times in life when it pays to hire professional assistance. DIY applies to plumbing, redoing roofs and painting; it doesn't apply to one's legal matters, in my view. And I would hold that opinion even if the person were a lawyer, as we know what they say about a lawyer who represents hers...
by tibbitts
Sun Oct 07, 2018 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Former Employer Contracting Opportunity - Share Your Thoughts
Replies: 29
Views: 1522

Re: Former Employer Contracting Opportunity - Share Your Thoughts

I think a lot of the responses aren't addressing the actual situation, which is that you will be a W2 employee. So you have to include any benefits there - 401k, etc. Also when you compare what you used to make are you assuming your base salary or something else? And before you get too insulted, may...
by tibbitts
Sat Oct 06, 2018 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: I'm unclear on how to use a Vanguard account
Replies: 21
Views: 1755

Re: I'm unclear on how to use a Vanguard account

If it is the higher cost Freedom fund instead of the index ones, I would want to get rid of them, too. Give them a call Monday morning. There may be a charge to sell at V instead of F. I don't have the brokerage accounts, but you may have the right idea there. All … this is the reason … a higher co...
by tibbitts
Sat Oct 06, 2018 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: I'm unclear on how to use a Vanguard account
Replies: 21
Views: 1755

Re: I'm unclear on how to use a Vanguard account

Nobody has asked but why replace a Fidelity account with a Vanguard account?
by tibbitts
Sat Oct 06, 2018 5:24 pm
Forum: Investing - Theory, News & General
Topic: Is it better to have fewer investment choices?
Replies: 23
Views: 1701

Re: Is it better to have fewer investment choices?

If you think the move will help you avoid stupid mistakes, then make the change. But I am curious as to why you think Vanguard will give you fewer investment choices? I have a taxable brokerage account with Vanguard. The account has held Vanguard mutual funds, Vanguard ETFs, non-Vanguard mutual fun...
by tibbitts
Sat Oct 06, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: Tackling Disney World - Discount on tickets?
Replies: 65
Views: 3672

Re: Tackling Disney World - Discount on tickets?

I would not even go. Looks like it would be very expensive. Are your kids asking about it? How would they even know at that age. There are a lot of other things to do in Florida. The beach. Local attractions. Maybe glass bottom boat. At 3 and 6 you will be setting a precedent. That is young enough ...
by tibbitts
Sat Oct 06, 2018 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: 45 year old - retirement question
Replies: 10
Views: 1371

Re: 45 year old - retirement question

I'm 45 years old, married with 2 kids (6 and 10). My net worth is about 3.2 million with 1.065 million in home equity and a 360k mortgage which is my only debt. I have about 163k saved for the 10-year old's college fund and 100k for the 6 year old (I figure I need about 300-400k each for private co...
by tibbitts
Sat Oct 06, 2018 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Target date retirement fund vs three funds
Replies: 14
Views: 1474

Re: Target date retirement fund vs three funds

Target date is fine, at least until you can replace the various positions with admiral shares.
by tibbitts
Sat Oct 06, 2018 11:05 am
Forum: Investing - Theory, News & General
Topic: Stress testing for those contemplating retirement in the next couple years
Replies: 28
Views: 2775

Re: Stress testing for those contemplating retirement in the next couple years

According to the BH Wiki, stock market prices “can stagnate or decline for decade-long periods”. This seems like a reasonable statement to me. No one knows when a decline may begin. Do you stress test your portfolio and spending plans for this scenario? Does a portfolio of 25X (25 X annual spend in...
by tibbitts
Thu Oct 04, 2018 7:55 am
Forum: Investing - Theory, News & General
Topic: [CNBC article: Don't expect to retire at 70]
Replies: 60
Views: 6225

Re: Is this ignorance or intentionally misleading?

Maybe I don't understand. If the average person born today will retire at 70 and has a life expectancy of 76, how many years will that person spend in retirement? Not the average person who lives past some specific age, but the average person born today? We're assuming there are no statistics avail...
by tibbitts
Wed Oct 03, 2018 11:02 pm
Forum: Personal Consumer Issues
Topic: Dentist bill came 4-5 months later, is this unreasonable?
Replies: 28
Views: 2204

Re: Dentist bill came 4-5 months later, is this unreasonable?

I recently got one that was a year old for an "insurance correction." When I called, the dentist told me that my insurance company reserves the right to send corrections and demand payments back from them for up to 12 months. We had no real way of tracking down why any such correction occurred or i...
by tibbitts
Wed Oct 03, 2018 10:31 pm
Forum: Investing - Theory, News & General
Topic: [CNBC article: Don't expect to retire at 70]
Replies: 60
Views: 6225

Re: Is this ignorance or intentionally misleading?

So my question remains, in the absence of the availability of statistics for life expectancy for any age other than zero, is the author's math incorrect? 1) The author could have just as easily calculated life expectancy for a man who is 45 tor 63 years old as he did for a man who is 0 years old. 2...
by tibbitts
Wed Oct 03, 2018 10:18 pm
Forum: Investing - Theory, News & General
Topic: [CNBC article: Don't expect to retire at 70]
Replies: 60
Views: 6225

Re: Is this ignorance or intentionally misleading?

Taking the average life expectancy for men from age 0, 76 in this case, includes a lot of males that die in infancy or from accidents. Those people would not be planning to retire at all, let alone make it to age 70, so you can’t use the average age for everyone to determine how long a retiree will...
by tibbitts
Wed Oct 03, 2018 8:49 pm
Forum: Investing - Theory, News & General
Topic: [CNBC article: Don't expect to retire at 70]
Replies: 60
Views: 6225

Re: Is this ignorance or intentionally misleading?

Anyone would assume the default starting age for average lifetime would be zero. I understand why this may not reflect the experience of an already 65-year-old, but the fact remains that on average a man would spend six years in retirement. Not the average man who makes it to retirement, just the a...
by tibbitts
Wed Oct 03, 2018 5:25 pm
Forum: Investing - Theory, News & General
Topic: [CNBC article: Don't expect to retire at 70]
Replies: 60
Views: 6225

Re: Is this ignorance or intentionally misleading?

Here is an article published by CNBC entitled "Self-made millionaire: Don't buy into the idea that '70 is the new retirement age." https://www.cnbc.com/2018/10/03/david-bach-disagrees-that-70-is-the-new-retirement-age.html The author of the article quotes David Bach as follows... "There's this new ...
by tibbitts
Tue Oct 02, 2018 7:41 am
Forum: Investing - Theory, News & General
Topic: Why won't the US markets average 0-2% (or 10-20%) real returns for a few decades?
Replies: 20
Views: 2778

Re: Why won't the US markets average 0-2% (or 10-20%) real returns for a few decades?

I cannot predict the future. I've seen people post phrases like "things are different this time" in sarcasm, typically intended to support the supposition that certain trends or cycles or return rates (mostly in the US) are pre-determined to continue in the future, during our lifetimes. Other peopl...
by tibbitts
Sun Sep 30, 2018 7:29 pm
Forum: Investing - Theory, News & General
Topic: Moneytalk with Bob Brinker coming to an end
Replies: 68
Views: 8396

Re: Moneytalk with Bob Brinker coming to an end

zaplunken wrote:
Sun Sep 30, 2018 7:09 pm
Who in their right mind with 2 or 3 million dollars calls a radio program for 2 minutes of "advice"! :oops:
Probably the same people who ask the same advice on an internet forum I know of.
by tibbitts
Sun Sep 30, 2018 7:15 pm
Forum: Personal Consumer Issues
Topic: How to tell contractor you don't plan to pay him. [Roofing]
Replies: 65
Views: 5924

Re: How to tell contractor you don't plan to pay him.

I would call the manufacturer and ask about the and the warranty, and if removing and reinstalling the shingles would fix this. However, since this is one of a number of problems, I would discuss this all with the inspector and then get something in writing from the inspector. Then it's up to you i...
by tibbitts
Sun Sep 30, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: Botched Roof Job. What to do.
Replies: 15
Views: 1909

Re: Botched Roof Job. What to do.

Well lots of roofs are put on in the rain so I'm not sure that's a big deal. A few 100+F days in the sun and my guess is the moisture won't survive - I just don't think anything is that tight. Nailing is a problem - so many miss entirely and often there aren't enough. I found early on during install...
by tibbitts
Sun Sep 30, 2018 1:20 pm
Forum: Investing - Theory, News & General
Topic: Investment types in a no-growth environment
Replies: 35
Views: 2727

Re: Investment types in a no-growth environment

OP, In a no growth environment, value oriented stock will be doing very well. KlangFool Value stocks should overperform when inflation accelerates and underperform when it slows. jalbert, We are discussing a no-growth environment. In that environment, growth stock will not do well. Hence, value sto...
by tibbitts
Sun Sep 30, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: 8606 mess and what to do
Replies: 41
Views: 3986

Re: 8606 mess and what to do

The OP and one other person here have had problems with their tax accountant. The OP has problems now dating back to poor tax accounting in the past. This is another reason to do your own taxes. Computers programs, all that. Why would you need a tax accountant? Maybe you have a difficult tax situat...
by tibbitts
Sun Sep 30, 2018 1:11 pm
Forum: Investing - Theory, News & General
Topic: Should we stay in Crazytown because there's no where to run?
Replies: 129
Views: 14737

Re: Should we stay in Crazytown because there's no where to run?

Charlie Munger once said in an interview that he has seen Berkshire stock go from top tick to bottom tick down by 50%. He also said ask me how much it bothered him. Zero. He said it was a non-event all three times. If I'd started with as much money as Charlie Munger, it wouldn't have bothered me ei...
by tibbitts
Sun Sep 30, 2018 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Funded Spousal IRA Earlier in Year... I'm Now Going to Work
Replies: 6
Views: 539

Re: Funded Spousal IRA Earlier in Year... I'm Now Going to Work

OP here. So what happens if I accept a job that offers a 401K (and I contribute to this) later in the same year after I've already fully funded my own spousal IRA when I was a nonworking spouse and then did a backdoor roth for the spousal IRA money? I don't believe IRAs and 401ks are linked in the ...
by tibbitts
Sun Sep 30, 2018 9:18 am
Forum: Personal Finance (Not Investing)
Topic: When the $2000 deductible bites you in the rear end!
Replies: 30
Views: 4142

Re: When the $2000 deductible bites you in the rear end!

I'm 38-years-old. I have been driving since I was 15. For approximately 3 years, I've had the $2000 deductible. I was so confident in myself that I almost switched from Allstate to Geico to take advantage of their $2500 deductible. Unfortunately, I caused an accident last week. I was making a left ...
by tibbitts
Sun Sep 30, 2018 9:05 am
Forum: Investing - Help with Personal Investments
Topic: Desperate for FInancial Help
Replies: 11
Views: 1230

Re: Desperate for FInancial Help

Not to sound cold, but It's all in the math. We would need to know income/nest egg (asset allocation)/expenses. My experience has been that generally people that are terrified on this topic are generally in better shape than they think. The problem with math is that it can only analyze what's happe...
by tibbitts
Sat Sep 29, 2018 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: 8606 mess and what to do
Replies: 41
Views: 3986

Re: 8606 mess and what to do

Before we did this my basis was approx. $50,000. Now it is $60,000. I'm not sure all this effort was justified by this small increase in basis. In fact, I seriously considered just giving up on the whole process, and letting the basis be zero. I gave up on establishing basis on an amount larger amo...
by tibbitts
Sat Sep 29, 2018 8:24 pm
Forum: Investing - Theory, News & General
Topic: What kind of irrationality causes investors to accept exorbitant prices for active management?
Replies: 17
Views: 1720

Re: What kind of irrationality causes investors to accept exorbitant prices for active management?

I don't agree that irrationality is involved. In fact it would be irrational for someone to believe index investing would be superior to active management, net of fees. Everyone here reads countless academic papers etc., books, Boglehead posts, etc. and uses that evidence to combat their natural te...
by tibbitts
Sat Sep 29, 2018 7:47 pm
Forum: Investing - Theory, News & General
Topic: Paying expenses out of pocket in tax-advantaged accounts?
Replies: 11
Views: 1286

Re: Paying expenses out of pocket in tax-advantaged accounts?

Is it possible to pay expenses out of pocket on our IRA's so that expenses are not taken out of our contribution/growth? I assume you mean the fund expense ration, so I believe the answer is no. In the past of course some accounts, like my SEP IRA, had fees, and yes I believe those could be paid di...
by tibbitts
Sat Sep 29, 2018 7:45 pm
Forum: Investing - Theory, News & General
Topic: Moneytalk with Bob Brinker coming to an end
Replies: 68
Views: 8396

Re: Moneytalk with Bob Brinker coming to an end

I listened regularly in the '90. I wish I'd taken his EE bond advice when he first gave it. Later on he started having lots of substitutes on his program with varying results.