Search found 7075 matches

by tibbitts
Sat Jan 20, 2018 10:23 am
Forum: Investing - Theory, News & General
Topic: A 4% move in the Dow and S&P in 12 days? Seems odd
Replies: 94
Views: 7040

Re: A 4% move in the Dow and S&P in 12 days? Seems odd

I'm stuck in a holding pattern here,haven't invested sep ira contributions for 17 and 18, waiting for that correction, stressing me out honestly, I should really just throw it in and not look until 19, but I would not be happy if the crash happened tomorrow... Delta1....Invest that money today . Or...
by tibbitts
Sat Jan 20, 2018 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Saturday Morning Panic and I-bonds
Replies: 4
Views: 810

Re: Saturday Morning Panic and I-bonds

That's a very long story but based on what I read I would max a Roth before buying I-bonds given current rates. Given 3% real I-bonds, that might be a different story. If you are going to use a Roth with a possibility of withdrawal in the not-too-distant future, you might want to be somewhat conserv...
by tibbitts
Sat Jan 20, 2018 10:10 am
Forum: Investing - Theory, News & General
Topic: Why can you only send dividends/capital gains from vanguard funds to your bank account at vanguard?
Replies: 8
Views: 705

Re: Why can you only send dividends/capital gains from vanguard funds to your bank account at vanguard?

You need to look around a little more. I have my dividends swept to a money market fund and I transfer this to my bank account whenever I want them. Can you have the money market fund automatically put any money in it in your bank account? Or do you have to manually do it? I don't know. I go into m...
by tibbitts
Wed Jan 17, 2018 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor Bullied Me
Replies: 32
Views: 4658

Re: Vanguard Advisor Bullied Me

I am new to investing via a brokerage account. Previously I had only an employer-sponsored IRA. I had been managing my own holdings in the IRA and averaged an 11% return. After opening a brokerage account last summer, I was automatically set up with a personal advisor who told me that I MUST get ri...
by tibbitts
Sat Jan 13, 2018 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: 25 Year Old Retiring Extremely Early-Domestic Wellesley or Half Global, Half Domestic Wellesley Better for my Bonds?
Replies: 55
Views: 6592

Re: 25 Year Old Retiring Extremely Early

My annual expenses are around 25k/year so I'd have a 2.5%wr, I've never heard of 1% being required no matter the age. At that rate, I could have only TIPS... You're posting on a forum where people post topics like "I have ten million dollars and two six-figure pensions, do you think I can retire in...
by tibbitts
Wed Jan 10, 2018 4:13 pm
Forum: Investing - Theory, News & General
Topic: Forgot to make my $5500 contribution for 2018
Replies: 36
Views: 4662

Re: Forgot to make my $5500 contribution for 2018

I never contribute until March or so of the FOLLOWING year. I've done corrections - too much hassle. And considering all the posts on here about correcting/recharacterizing contributions, probably some other people wished they did, too. You never know exactly how things are going to turn out until a...
by tibbitts
Wed Jan 10, 2018 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Forget Customer Service--Vanguard has lousy Computers
Replies: 22
Views: 3129

Re: Forget Customer Service--Vanguard has lousy Computers

Well, this reminds me of the UNIX operating system in the early days. People would ask why it and its "bad" command line interface would let them do seemingly stupid things that other operating systems often wouldn't. I believe the answer was partly that the developers wanted to make it small and r...
by tibbitts
Wed Jan 10, 2018 1:41 am
Forum: Personal Finance (Not Investing)
Topic: Forget Customer Service--Vanguard has lousy Computers
Replies: 22
Views: 3129

Re: Forget Customer Service--Vanguard has lousy Computers

Well, this reminds me of the UNIX operating system in the early days. People would ask why it and its "bad" command line interface would let them do seemingly stupid things that other operating systems often wouldn't. I believe the answer was partly that the developers wanted to make it small and re...
by tibbitts
Wed Jan 10, 2018 1:20 am
Forum: Personal Consumer Issues
Topic: Latest generation RAM 1500's
Replies: 27
Views: 1672

Re: Latest generation RAM 1500's

Alexa9 wrote:
Tue Jan 09, 2018 11:32 pm
How often do you use the bed? Here you can rent a truck for $30/day. They are great in the snow and safe on the highway. Not practical for commuting though.
Trucks are horrible in snow. If you add weight to the back you then have traction on the rear end but have more weight to try to stop.
by tibbitts
Wed Jan 10, 2018 1:09 am
Forum: Personal Consumer Issues
Topic: Latest generation RAM 1500's
Replies: 27
Views: 1672

Re: Latest generation RAM 1500's

Looking into a 1/2 ton truck as I live in the Northeast, and have multiple winter hobbies. This will be my only vehicle and I'm really looking at the newer RAM 1500's as they caught my eye aesthetically. I wanted to see if any of this community has been down the same path recently truck shopping or...
by tibbitts
Tue Jan 09, 2018 9:52 pm
Forum: Investing - Theory, News & General
Topic: Which Intermediate Bond Fund Will Perform Best With Rising Rates
Replies: 13
Views: 1808

Re: Which Intermediate Bond Fund Will Perform Best With Rising Rates

There's a paradox: IF you really believed it were possible to predict interest rate changes, then you would HAVE to conclude that you should never do so. Because actively managed bond funds have access to far better information than you and teams of far better-trained people than you. So if you bel...
by tibbitts
Tue Jan 09, 2018 9:36 pm
Forum: Personal Consumer Issues
Topic: Help gmail security question
Replies: 27
Views: 1513

Re: Help gmail security question

I think you have to be realistic in terms of the support you can expect if this is a free vs. paid Google email account. Paid accounts get more attention, as they should. Have you viewed your access history and notice any session that weren't yours? Also are you sure no other settings were changed, ...
by tibbitts
Tue Jan 09, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: retiree health ins - how to propose to Employer?
Replies: 39
Views: 1738

Re: retiree health ins - how to propose to Employer?

hi all, I am approaching retirement (66) this year. My wife is 10 years younger than me so health care insurance for her is a big concern. Especially now with the disruption in the Affordable Care Act. I barely know how to proceed. From what I see it doesn't even seem to be possible or practical to...
by tibbitts
Tue Jan 09, 2018 8:50 am
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 337
Views: 30807

Re: Year 2000 retirees using the '4% rule' - Where are they now?

I don't think it's realistic to assume rebalancing, since people are going to have the Plan B thing in their head at that point and if anything will go the other way. Even Bogleheads.
by tibbitts
Tue Jan 09, 2018 8:35 am
Forum: Personal Finance (Not Investing)
Topic: When the rubber hits the road [Progressive Dementia thread with merged updates]
Replies: 106
Views: 7904

Re: The reality hits - my dementia update

Update your will. Identify all the actions you want taken. Find a trusted financial advisor/attorney with a fiduciary duty and develop a plan of action, and method to protect your assets and direct them where you would have them go. If necessary, use blind trusts. Then, having taken care of these d...
by tibbitts
Mon Jan 08, 2018 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA real estate (QREARX) versus Vanguard REIT index (
Replies: 7
Views: 917

Re: TIAA real estate (QREARX) versus Vanguard REIT index (

I wish I understood the fund better, but I do hold it. It seems like discussions on Morningstar are very focused on Greenstreet, but there isn't as much discussion of the income aspect of the fund - everybody seems focused on appreciation or depreciation of properties, and the direction of commercia...
by tibbitts
Sun Jan 07, 2018 3:17 pm
Forum: Personal Consumer Issues
Topic: Muir Woods (California) requires reservations.
Replies: 16
Views: 1945

Re: Muir Woods (California) requires reservations.

And yet not enough humans - declining population - is an economic problem. Only if you see total economic growth as the ultimate goal. Which is more important, quality of life or economic growth? No, I don't believe that's true. For example, insufficient replacement participants for social security...
by tibbitts
Sun Jan 07, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: Muir Woods (California) requires reservations.
Replies: 16
Views: 1945

Re: Muir Woods (California) requires reservations.

It's a shame, but many natural areas are crowded and hard to enjoy. Decades of underfunding of the agencies that manage them doesn't help, either. The underlying problem, as with so many other issues we are facing, is overpopulation: there are simply too many humans. And yet not enough humans - dec...
by tibbitts
Sun Jan 07, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: TIAA traditional is compounded daily, but not at the displayed crediting rate
Replies: 25
Views: 939

Re: TIAA traditional is compounded daily, but not at the displayed crediting rate

I am one of the unhappy and unlucky people with a single vintage nowadays earning no additional amounts. Thus, the numbers are straightforward which is why I can see what's going on now. I like that in a leap year TIAA seems to keep an extra day of interest for itself. :twisted: I'm more unhappy wi...
by tibbitts
Sun Jan 07, 2018 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Splitting Assets in Divorce
Replies: 51
Views: 5011

Re: Splitting Assets in Divorce

One category of later "issues" I have seen in even amicable splits relates to property, collateral, contractual loan obligations - and the negative impact of one (sometimes both) ex-spouses of getting credit, buying a house, etc. The time to clear this up is probably at and during the divorce and p...
by tibbitts
Sat Jan 06, 2018 2:03 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones - help
Replies: 38
Views: 3233

Re: Edward Jones - help

Can anyone decipher this document? https://www.edwardjones.com/images/guided-solutions-fund-brochure.pdf specifically the section about leaving "guided solutions" I cant tell if that would force me to shut the account entirely, meaning Id also lose my match, Or if I can just opt out of the advisor ...
by tibbitts
Sat Jan 06, 2018 1:09 am
Forum: Personal Finance (Not Investing)
Topic: Downsizing to one car in retirement...
Replies: 68
Views: 3986

Re: Downsizing to one car in retirement...

I think this isn't a case where it's helpful to solicit opinions, because it's a very personal and circumstance-based decision. But for me, I'd say two cars are preferable if you can afford it, assuming both of you drive.
by tibbitts
Thu Jan 04, 2018 11:45 pm
Forum: Investing - Theory, News & General
Topic: Boglehead View on Entrepreneurship?
Replies: 14
Views: 1086

Re: Boglehead View on Enterprenureship?

What is the Boglehead view on entrepreneurship? How does the Boglehead Theory fit with startups and entrepreneurship? For example, an entrepreneur in the USA might think that opening a small store or restaurant at an under served area would be a good idea. By doing so, they could beat the market by...
by tibbitts
Thu Jan 04, 2018 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: 31..any reason not to allocate 100% stocks in 403b?
Replies: 20
Views: 1359

Re: 31..any reason not to allocate 100% stocks in 403b?

Yeeahh, bit of a late start, I don't have much now. I plan to max out from now until FIRE, fingers crossed. That's pretty much what I was thinking, go in guns blazing. The only thing I could do with a bonds allocation is dump it in when the market roughly bottoms out at some point. You'll have zero...
by tibbitts
Thu Jan 04, 2018 6:46 am
Forum: Personal Finance (Not Investing)
Topic: Question on wills and advanced medical directives
Replies: 18
Views: 1221

Re: Question on wills and advanced medical directives

The financial firms usually have their own power of attorney forms they want you to fill out even if you have a durable power of attorney. The power of attorney would be valid only while you are alive. So the companies would need to know about it before your death. After you die the power of attorn...
by tibbitts
Thu Jan 04, 2018 6:16 am
Forum: Investing - Help with Personal Investments
Topic: Question on Fixed part of my 3 fund
Replies: 2
Views: 250

Re: Question on Fixed part of my 3 fund

For the fixed part of my AA I use the stable value fund for the fixed (bonds) portion. Nationwide which manages my 457 just lowered the stable value fund from 3.5 to 3 percent for 2018. Nationwide stable value fund was at 3.5 for the last 10 years. So I don't think the rate will keep getting lower ...
by tibbitts
Wed Jan 03, 2018 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Living Trust - Will
Replies: 55
Views: 4076

Re: Living Trust - Will

Why do some consider it so important to have assets, particularly houses, pass via trusts rather than via a will and probate? I ask this not as a challenge but simply for information. The attorneys we dealt with for our last 3 wills (occasioned by moves to different states) seemed to think a trust ...
by tibbitts
Tue Jan 02, 2018 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: Help! Made a mistake setting up Ally CDs-any repercussions?
Replies: 4
Views: 905

Re: Help! Made a mistake setting up Ally CDs-any repercussions?

I don't know whether it can be fixed, or if you just have to pay the fees and move on. In any case the fees probably wouldn't be that much - maybe just enough to help you not make that mistake again.
by tibbitts
Mon Jan 01, 2018 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help my 7 year old daughter invest $50 of her Christmas money
Replies: 30
Views: 2317

Re: Help my 7 year old daughter invest $50 of her Christmas money

I will just say that I didn't even know what the word investing meant at that age, yet here I am at Bogleheads. Maybe invest in a savings account at the Bank of Mom and Dad that pays 100% annually. Hard to beat those returns. I don't think the amount of earnings from either a regular savings account...
by tibbitts
Mon Jan 01, 2018 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2017 Tax Software $9.95 , State $14.95
Replies: 49
Views: 6951

Re: H&R Block 2017 Tax Software $9.95 , State $14.95

I wonder if the download time limit applies to the state version. You can't even download the state version yet. Also I wonder if there is a limit downloading updates. I've never used this product so I'm not sure if the state version will appear as a separate download that will be easy to copy/save ...
by tibbitts
Mon Jan 01, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: No earned income, how do you pay tax for pensions, SS and RMDs
Replies: 43
Views: 3591

Re: Retirees: No earned income, how do you pay tax for pensions, SS and RMDs

I think a loan to uncle sam in a 1% interest rate world isn't that big a deal, even up to the OP's $10k (it's spread out over the year so more like $5k.)
by tibbitts
Mon Jan 01, 2018 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Avoid state income tax on Roth IRA contribution?
Replies: 16
Views: 1691

Re: Avoid state income tax on Roth IRA contribution?

I don't know but here in Oklahoma I already take $10k from my traditional IRA every year for Roth conversion, which as far as I know is the limit for state-tax-free treatment.
by tibbitts
Mon Jan 01, 2018 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Has 21% corp tax and deregulation already been factored into equity prices?
Replies: 8
Views: 739

Re: Has 21% corp tax and deregulation already been factored into equity prices?

Based on my other thread about my 401K, I've been doing a lot of reading and research thanks to the pointers I was given. One question: Jack Bogle, as well as others, all say the stock market will most likely enter a more temperate phase over the next few years as compared to the last couple of yea...
by tibbitts
Mon Jan 01, 2018 11:30 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1728
Views: 305178

Re: What are you up YTD? [Year To Date]

I have no idea but I doubt it's double-digits, with a half or so in fixed income and bond funds returning around 2% or less.
by tibbitts
Mon Jan 01, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: Plow Guy Raised Rates
Replies: 112
Views: 9301

Re: Plow Guy Raised Rates

if this is about principle instead of $5, would those "principled" posters here consider finding a new vendor if the snow plow guy dropped his prices $5 this year instead of raising it $5? After all, the guy said the price would remain the same. Would you insist on paying last years rate? Who's kid...
by tibbitts
Mon Jan 01, 2018 10:55 am
Forum: Investing - Help with Personal Investments
Topic: SWR, different perspective.
Replies: 38
Views: 3018

Re: SWR, different perspective.

I think neither of these curves fit today's retiree... at least the retiree we might find on this .org, as do many of the other WR paper authors that come here to post. I may be way wrong and you are very free to say so, but I think the WR basis varies differently. So here comes the question..........
by tibbitts
Mon Jan 01, 2018 2:17 am
Forum: Investing - Theory, News & General
Topic: Tax Law Sunset 2025 - Roth vs Traditional
Replies: 90
Views: 7337

Re: Tax Law Sunset 2025 - Roth vs Traditional

I have always felt that except for obvious situations (like a 0% marginal bracket, for example), a diversified approach to the type of IRA is valuable, but I don't think most discussions on the forum have taken that approach. tibbitts, I am not sure what do you mean by that. A) My standard advice i...
by tibbitts
Mon Jan 01, 2018 1:56 am
Forum: Personal Consumer Issues
Topic: Car headlights or Daytime Running Lights - what do you do?
Replies: 62
Views: 3704

Re: Car headlights or Daytime Running Lights - what do you do?

When I drive with headlights, I turn on the fog lights as well. They don't do a lot for me being able to see, but I believe they make my car more visible than without them. I notice a lot of people around here drive with their fog lights on when there is no fog. I always wonder if this is intention...
by tibbitts
Sun Dec 31, 2017 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Short Term Bond Fund
Replies: 7
Views: 613

Re: Fidelity Short Term Bond Fund

I kind of wonder about VG's new (well, newly opened to a wider investing base) emerging markets bond fund, though - I'm not sure about how it's going to do going forward vs. an established fund, until/unless assets ramp up and stabilize. But, I'm not an expert, so I decided to dip my toes into the ...
by tibbitts
Sun Dec 31, 2017 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: SWR, different perspective.
Replies: 38
Views: 3018

Re: SWR, different perspective.

I think neither of these curves fit today's retiree... at least the retiree we might find on this .org, as do many of the other WR paper authors that come here to post. I may be way wrong and you are very free to say so, but I think the WR basis varies differently. So here comes the question..........
by tibbitts
Sun Dec 31, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: Car headlights or Daytime Running Lights - what do you do?
Replies: 62
Views: 3704

Re: Car headlights or Daytime Running Lights - what do you do?

My car doesn't have automatic headlights and it's annoying to sometimes find I've been driving for miles at night with no lights on at all. If I had both settings I would use both settings - make everything automatic.
by tibbitts
Sun Dec 31, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: help me optimize new snow tires
Replies: 30
Views: 1569

Re: help me optimize new snow tires

I thinks it's important to note that this is a case of going from something everyone agrees is horrible (bald tires of any kind) to doing something that's kind of extreme (snow tires vs. all-seasons.) 90% of the benefit would have come with just replacing the original tires with good all-season tires.
by tibbitts
Sun Dec 31, 2017 2:16 pm
Forum: Investing - Theory, News & General
Topic: What is magnitude of risk reduction via international equity diversification
Replies: 26
Views: 1367

Re: What is magnitude of risk reduction via international equity diversification

My question is: am i deluding myself feeling that I am actually significantly safer (have less overall asset value volatility) with 40% rather than 20% in international equities?
Define significantly. Over the long term there's no way to know. Since you're wondering, why not split the difference?
by tibbitts
Sun Dec 31, 2017 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Side gig, 1099 strategy
Replies: 19
Views: 2144

Re: Side gig, 1099 strategy

So let's put this into perspective. The OP in a year where everything goes right is going to net a few $k. I have a great deal of experience with having a similar business. It's nuts to do an S-corp for that, or open a solo 401k. Just take the money and pay taxes on it whether you get a 1099 or not....
by tibbitts
Sun Dec 31, 2017 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Short Term Bond Fund
Replies: 7
Views: 613

Re: Fidelity Short Term Bond Fund

I wanted to put money in a short term bond fund at Fidelity, and I see they have a new one, started 10/2017, Fidelity Short Term Bond Index Fund (FNSKX). Any concerns about putting money into this new fund? It looks like the fund assets are low, and I have about $500,000 to invest. Suggestions? I d...
by tibbitts
Sun Dec 31, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: help me optimize new snow tires
Replies: 30
Views: 1569

Re: help me optimize new snow tires

Wow you're getting some odd advice that's all over the map. In fact everything depends on your driving habits/requirements and related issues like how long you're going to keep this van. Unless you have and are willing to spend lots of money. As in many cases lots of money answers all questions and ...
by tibbitts
Sat Dec 30, 2017 6:31 pm
Forum: Personal Consumer Issues
Topic: manual car for new teen driver
Replies: 143
Views: 6482

Re: manual car for new teen driver

To return to the OP's question, I recommend a 4-cylinder manual Toyota Tacoma. The 4 cylinder, which is not always optimum in a pickup, is perfect for a teenage boy, IMHO. That's an innovative idea. It would handle all weather, be reliable, and carry anything one needed, especially if it had a camp...
by tibbitts
Sat Dec 30, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: We bought a house in June, and the ac & furnace system do not work. What should we do?
Replies: 49
Views: 3467

Re: We bought a house in June, and the ac & furnace system do not work. What should we do?

I admit I only know about propane in the portable (RV) context, but the propane being empty would be a huge red flag - why would it be empty, ever? Actually just having propane would be a huge red flag to me - you must live in a very rural area. Anyway I would have assumed the hvac didn't work. The...
by tibbitts
Sat Dec 30, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: We bought a house in June, and the ac & furnace system do not work. What should we do?
Replies: 49
Views: 3467

Re: We bought a house in June, and the ac & furnace system do not work. What should we do?

If we ever buy another home (still live in only home purchased almost 40 years ago), I will insist on an inspection and walk through well in advance of closing. Sellers want the walk through just before closing so buyers do not have time to insist on everything being in working order. Yes but then ...
by tibbitts
Sat Dec 30, 2017 2:30 pm
Forum: Personal Consumer Issues
Topic: Spam email
Replies: 13
Views: 711

Re: Spam email

You might try using something like Thunderbird. They have a pretty good spam filter that you can adjust. Moving to a new email provider is also a good idea, you could start the process and use thunderbird, then after a year or so get rid of the old account. In the meantime, you might want to use a ...