Search found 7352 matches

by tibbitts
Mon Apr 23, 2018 7:35 am
Forum: Personal Finance (Not Investing)
Topic: How long does a will last? [Time to settle the estate]
Replies: 20
Views: 1589

Re: How long does a will last?

Who died (what relation)?
by tibbitts
Sun Apr 22, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Your own General Contractor
Replies: 23
Views: 2017

Re: Your own General Contractor

BradJ wrote:
Sat Apr 21, 2018 9:43 pm
Anyone here ever built their own home? Do you truly save 25%?
Why do you think you would save vs. spend more? I would assume you would spend more.
by tibbitts
Sun Apr 22, 2018 12:18 pm
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 109
Views: 5952

Re: I’m still not a fan of international bond funds

I think an interesting question is: how does it benefit Vanguard to offer these funds? My guess is it gets 4 funds in their Target funds. They charge a slightly higher ER than if you bought the funds separately. If it only had 2/3 funds, most people would just buy the cheaper 2/3 funds themselves a...
by tibbitts
Sun Apr 22, 2018 10:41 am
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 109
Views: 5952

Re: I’m still not a fan of international bond funds

I think an interesting question is: how does it benefit Vanguard to offer these funds? My guess is it gets 4 funds in their Target funds. They charge a slightly higher ER than if you bought the funds separately. If it only had 2/3 funds, most people would just buy the cheaper 2/3 funds themselves a...
by tibbitts
Sun Apr 22, 2018 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Best Alternative to a Pension (DB )
Replies: 12
Views: 905

Re: Best Alternative to a Pension (DB )

There is no alternative, because the DB pension provides an unsustainable amount of income per dollar invested. Other plans you can buy won't offer that. So it comes down to whether the sponsor of the plan will make up for the shortfall. With other annuities you get about the same investment returns...
by tibbitts
Sun Apr 22, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: AAA? What to do in car emergencies?
Replies: 64
Views: 2854

Re: AAA? What to do in car emergencies?

I keep the cars going too. My wife calls me if she breaks down which thankfully isn't often. But I've told her to call the insurance if I can't come out to help her. Last time she broke down was a dead battery in the Wally world parking lot. she called me and I came over and I jumped it and then re...
by tibbitts
Sun Apr 22, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 4275

Re: PC laptops

If you're wanting a new machine simply because your current one has slowed down, I wouldn't even buy a new machine: just install a new, free operating system on it. I resurrected my 2009 HP desktop with Lubunutu; Windows, like your OS, got horribly bogged down over the years, and now with a fresh, ...
by tibbitts
Sun Apr 22, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: AAA? What to do in car emergencies?
Replies: 64
Views: 2854

Re: AAA? What to do in car emergencies?

You don't say what kind of financial situation you're in and oddly enough just like the portfolio questions the answer to this depends on how much money you have. If you have plenty just get the premium level AAA and ignore whether it's the best possible deal out there. As a bonus sorting through th...
by tibbitts
Sun Apr 22, 2018 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Early Retirement - On the fence, need sanity check
Replies: 53
Views: 8697

Re: Early Retirement - On the fence, need sanity check

I wouldn’t do it. I’d continue working 4-5 more years as these are your peak earning years. I’d try and save at least 50 percent of my take home. But I’d also take ALL of my vacation and probably a week each quarter. Peak earnings years are increasingly not your last years - employers are finally f...
by tibbitts
Sun Apr 22, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: How much off MSRP should one expect?
Replies: 23
Views: 1956

Re: How much off MSRP should one expect?

Anyone find it a bit ridiculous that you have to pay sales tax on a used car? I mean, I can slightly see if buying from a dealer, but from a private person, smh In most states you have to pay sales tax on any item you buy for your own use, new or used. You pay at garage sales, any item you buy in-s...
by tibbitts
Sat Apr 21, 2018 11:21 am
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 109
Views: 5952

Re: I’m still not a fan of international bond funds

Rick, you were once a fan of emerging market bonds, then you weren't, due at least mostly to expenses if I recall. That was before Vanguard's emerging market bond fund (not the government/index variety - the other one.) Expenses are below the Fidelity fund (FNMIX) you once recommended and then didn'...
by tibbitts
Sat Apr 21, 2018 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Want to be 100% in stock index funds ,
Replies: 31
Views: 2726

Re: Want to be 100% in stock index funds ,

I will be retiring soon and I have been reading Morningstars ETF Inverter , and the AAII publication for several years. I think I can do ok without taking anything out of my portfolio for the first 5 years or so . So it seems to me that I'll be better off in 5 years if I'm totally in Total world st...
by tibbitts
Sat Apr 21, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Mac Office 2016 download on Ebay - how so cheap?
Replies: 23
Views: 1713

Re: Mac Office 2016 download on Ebay - how so cheap?

I blame Microsoft for this. Hopefully nobody condones using software illegally, but with Microsoft and many other commercial software licenses, you need a team of attorneys to determine what you can and can't do with the product. You can be trying to be in compliance, but unknowingly not be. As for ...
by tibbitts
Sat Apr 21, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Best Way to Decline an International Job Assignment
Replies: 23
Views: 1535

Re: Best Way to Decline an International Job Assignment

I may not be very sympathetic as I've done similar business travel to Bahrain, Saudi Arabia, and more dangerous places in Africa and have sent people working for me to Yemen, Iraq, and Afghanistan. Helps if you are going with someone from the company who has been there before and even more if there...
by tibbitts
Sat Apr 21, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: Car for 23 year old
Replies: 29
Views: 1669

Re: Car for 23 year old

Hello All! I am a 23 year old male who is looking to get a "new" car. I currently own a 2004 grand prix with close to 200k miles on it. It is not running that well and nearing the end of its life. I will try and sell it but not hoping to get a lot for it. I am looking for a car/suv/whatever that is...
by tibbitts
Thu Apr 19, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 4275

Re: PC laptops

Whenever I decommission a PC, I pull the hard drive, mount it in a USB enclosure, connect it to another PC and wipe it with Kill Disk, since my entire financial existence is on it. Not being able to do this to an SSD drive when necessary is a show-stopper. I beat the old hard drive to death with a ...
by tibbitts
Thu Apr 19, 2018 7:56 am
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 4275

Re: PC laptops

Whatever you do, get a laptop with an SSD drive. RAM 8GB, and i-5 processor, but doesn't matter much. Regarding SSD drives, are they modular and removable like magnetic media drives? Whenever I decommission a PC, I pull the hard drive, mount it in a USB enclosure, connect it to another PC and wipe ...
by tibbitts
Thu Apr 19, 2018 7:51 am
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 4275

Re: PC laptops

Whatever you do, get a laptop with an SSD drive. RAM 8GB, and i-5 processor, but doesn't matter much. Regarding SSD drives, are they modular and removable like magnetic media drives? Whenever I decommission a PC, I pull the hard drive, mount it in a USB enclosure, connect it to another PC and wipe ...
by tibbitts
Wed Apr 18, 2018 9:59 pm
Forum: Investing - Theory, News & General
Topic: vanguard notice - retiring our old investment platform
Replies: 50
Views: 6132

Re: vanguard notice - retiring our old investment platform

palaheel wrote:
Wed Apr 18, 2018 8:49 pm
i admit to being a dummy. How do I tell if I'm on the old platform or the new one?
If you're unhappy you're on the new one.
by tibbitts
Wed Apr 18, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 4275

Re: PC laptops

This is just my opinion but I believe that if you don't get windows or maybe mac, sooner or later you'll want to do something you can''t do - or at least not in the same way or as well. That is less true today than a few years ago and may be less true a few years from now, but it still is what it is...
by tibbitts
Wed Apr 18, 2018 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Why am I even holding BND? It has only been losing me money.
Replies: 62
Views: 8275

Re: Why am I even holding BND? It has only been losing me money.

Because when your 90% allocation of stocks eventually go down by 10x more you are going to get your a$$ handed to you and you will have nothing to replenish them with. If stock market goes down 90% then it is pretty certain WW3 is ongoing and stocks will be last of worries at that time. The last ti...
by tibbitts
Wed Apr 18, 2018 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: How to argue for S&P
Replies: 15
Views: 944

Re: How to argue for S&P

So you have been given three solid pieces of advice (four, if you count "not arguing with others"): 1. why 10 years? 2. Why do you assume the next 10 years will be just like the last 10 years? 3. Why are you comparing two funds that are not at all alike? (one is mid cap and the other is large cap) ...
by tibbitts
Wed Apr 18, 2018 6:51 pm
Forum: Investing - Theory, News & General
Topic: Wellesley January Price Drop? Why?
Replies: 27
Views: 3219

Re: Wellesley January Price Drop? Why?

Wellesley performance has been underwhelming this year, compared to other funds IN IT'S CATEGORY. It's currently in the bottom 7% of all "Allocation - 30-50% equity" funds YTD according to M*. Like many close to ER, I have sizable investments in Wellesley and have always considered it my "sleep wel...
by tibbitts
Sun Apr 15, 2018 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: "guaranteed" 6% return vs index fund investing
Replies: 30
Views: 2783

Re: "guaranteed" 6% return vs index fund investing

I'd guess about 70% of Bogleheads would take 6% for life (with a U.S. government guarantee) and call it an investing career. Ironically that wouldn't have been true in the 80s or 90s, but would be today. The risk of course would be inflation. An inflation-adjusted 4%? Now you've got maybe 80%. A per...
by tibbitts
Sun Apr 15, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Could you support family on 1 income?
Replies: 88
Views: 5646

Re: Could you support family on 1 income?

Yes. We've done it since the first child was born in 2005. My wife has two college degrees, including a Masters in an in-demand field, so the decision was strictly for the benefit of the children. The answer will always be yes if you structure your expenses to be no more than 75% of your income; in...
by tibbitts
Sat Apr 14, 2018 6:07 pm
Forum: Investing - Theory, News & General
Topic: NAESX - is not really Small Cap?!
Replies: 36
Views: 2185

Re: NAESX - is not really Small Cap?!

RamblinDoc wrote:
Sat Apr 14, 2018 5:52 pm
I assumed the definitions of large, mid, and small were universal. This thread blew my mind!
:shock:
Maybe if the definitions really mattered, they would be.
by tibbitts
Sat Apr 14, 2018 5:56 am
Forum: Personal Finance (Not Investing)
Topic: 1040 goes into the ether. what now?
Replies: 21
Views: 1633

Re: 1040 goes into the ether. what now?

I am due a slight refund, so I'm not worried about a penalty. I do have evidence of mailing. I am going with Samsoes' stand down advice. If the IRS doesn't have it in a month or so, I will remail it FedEx with a cover letter. Thanks everyone. The poor Post Office. It has to handle this big flood of...
by tibbitts
Sat Apr 14, 2018 5:46 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs Independent Certified Financial Planner
Replies: 15
Views: 1330

Re: Vanguard vs Independent Certified Financial Planner

I can't keep up with the ever-changing Vanguard offerings but I thought the free CFP planning was a relic of the past and that now you get to ask a specific question of a CFP but that's all. I've never used that service so I don't know. Maybe it's based on asset level and whatever they call the new ...
by tibbitts
Sat Apr 14, 2018 5:39 am
Forum: Personal Finance (Not Investing)
Topic: Mistake IRA contribution to current year
Replies: 7
Views: 437

Re: Mistake IRA contribution to current year

Hello. Last year I made a spouse contribution to my wife’s Roth IRA, with Vanguard. It was meant for 2016 and we went through incredibly many steps to get this right. We forgot about it since. This week I initiated another spouse contribution, and was not allowed to contribute into 2017 because the...
by tibbitts
Fri Apr 13, 2018 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Which fidelity funds?
Replies: 29
Views: 1702

Re: Which fidelity funds?

Operating in an almost complete vacuum of information: Fidelity Floating Rate High Income.
by tibbitts
Fri Apr 13, 2018 7:59 am
Forum: Investing - Help with Personal Investments
Topic: help with pension lump sum offer
Replies: 13
Views: 1043

Re: help with pension lump sum offer

dictum_meum_pactum wrote:
Fri Apr 13, 2018 6:55 am
mouses wrote:
Tue Apr 10, 2018 5:31 pm
Would that $1,157 be adjusted as time goes on for inflation?
I'm not sure how much, but in a 7 year period the monthly has gone up by around $141. Thank you.
It's important to find out. There could be various reasons the amount has gone up by $141.
by tibbitts
Fri Apr 13, 2018 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Investor to admiral shares conversion question
Replies: 11
Views: 760

Re: Investor to admiral shares conversion question

In a Vanguard mutual fund account you can do the conversion online. I am using the old style mutual fund account. I don't ever recall seeing this. Is there a special button or something? Yes, there is an icon that identifies it as available for conversion. I've used this twice when an index fund hi...
by tibbitts
Wed Apr 11, 2018 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Ditched bond fund for money market. Thoughts?
Replies: 40
Views: 3685

Re: Ditched bond fund for money market. Thoughts?

I've had balanced index fund as my only holding. I'm a set it and forget it kinda guy, and I like the AA [60/40] - however, I've been underwhelmed by the bond side of it. I've also been a bit worried about it under-performing during these days of raising rates [though I know one of the goals w/ a b...
by tibbitts
Wed Apr 11, 2018 7:55 am
Forum: Investing - Help with Personal Investments
Topic: Question on the lost decade
Replies: 9
Views: 922

Re: Queson on the lost decade

From 2000-2009 I beleive they call this the lost decade. Someone that holds the 3 fund portfolio how do they protect themselves form 10 years of negative returns. Someone with 20-30% international and only 10% bonds. I mention these numbers for someone like my son that has the target dated fund. Or...
by tibbitts
Wed Apr 11, 2018 7:48 am
Forum: Investing - Help with Personal Investments
Topic: Rationale for adding VVIAX & VEXAX?
Replies: 4
Views: 362

Re: Rationale for adding VVIAX & VEXAX?

Hi bogleheads, I recently started using Vanguard's Personal Advisor Services to help with my transition from another brokerage. I'm planning on using the service for maybe about a year before switching to fully managing it all completely on my own. A little background: I'm 26 and have both a Roth I...
by tibbitts
Wed Apr 11, 2018 7:45 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs TIAA
Replies: 58
Views: 1643

Re: Vanguard vs TIAA

Does the TIAA portfolio represent the same risk as the one at Vanguard? If it is riskier you would expect to be "rewarded" with a potential higher return. I don't know. How can I know this? I mean I haven't figured out my portfolio yet. Can't I not build a portfolio at either firm with similar risk...
by tibbitts
Wed Apr 11, 2018 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Investor to admiral shares conversion question
Replies: 11
Views: 760

Re: Investor to admiral shares conversion question

My partners brokerage currently has Vang. Intermed. Muni fund investor shares. Yesterday, I invested enough to have over 50k in the fund and am eligible for admiral shares. Can I do the conversion myself online (investor—>admiral vwiux) or should I call? Is this a taxable event if I do it myself on...
by tibbitts
Wed Apr 11, 2018 7:35 am
Forum: Investing - Help with Personal Investments
Topic: what strategy would fit (VYM). High dividend yield
Replies: 6
Views: 787

Re: what strategy would fit (VYM). High dividend yield

This ETF is so intriguing to me. I understand that growth can be somewhat limited in a high yield etf, but where would this come into play in ones portfolio?? I have mt Roth and my wife and I 401ks about maxed out. if I were to start playing around with purchasing some EFT in a taxable account whic...
by tibbitts
Sun Apr 08, 2018 10:59 pm
Forum: Personal Consumer Issues
Topic: Cruise or other vaca ideas for Dad w/13yr old twin boys?
Replies: 36
Views: 2292

Re: Cruise or other vaca ideas for Dad w/13yr old twin boys?

If you aren't familiar with cruises, you should know that you usually only receive "goodies" with other than the least expensive cabins. But you're on the same ship with everyone else, get (mostly) the same food and entertainment, etc. However sometimes paying for a modest upgrade can be worth it, e...
by tibbitts
Sun Apr 08, 2018 10:40 pm
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 95
Views: 6890

Re: New faster DNS - 1.1.1.1 by CloudFlare

Remember that if you use a service that performs URL filtering like OpenDNS, you won't want to change your DNS configuration.
by tibbitts
Sun Apr 08, 2018 4:15 pm
Forum: Investing - Theory, News & General
Topic: Need some advice about State Teachers Retirement Plan....
Replies: 7
Views: 750

Re: Need some advice about State Teachers Retirement Plan....

Hi all, I am writing to ask a question about the pros and cons of being involved in a state Teachers Retirement Plan. I have been given 3 years of credit in a particular state Teachers Retirement Plan while doing my medical training.....I was affiliated with a well known medical school and did an i...
by tibbitts
Sun Apr 08, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: How do you cancel a bid on ebay?
Replies: 7
Views: 531

Re: How do you cancel a bid on ebay?

I found this info, but it doesn't tell you how to actually cancel the bid. https://www.ebay.com/help/buying/bidding/retracting-bid?id=4013 I want to cancel because the shipping costs from UK are higher than the cost of the item, and I didn't see that until after I placed the bid. As far as I know, ...
by tibbitts
Sun Apr 08, 2018 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Current Thinking About TIAA Real Estate?
Replies: 18
Views: 1062

Re: Current Thinking About TIAA Real Estate?

Over at Morningstar everybody is assuming that at some point a signal will emerge telling them to dump TREA, similar to what happened when prices plunged a decade ago. As far as I know, in the history of the fund, that's occurred... once. Experts are trying to adjust for the changes in the fund (val...
by tibbitts
Sun Apr 08, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Really?? "Hummer loophole" (Section 179+bonus depreciation deductions) for simple rental property biz?
Replies: 15
Views: 1314

Re: Section 179+bonus depreciation deduction Tesla Model X GVWR 6,000 landlords actively manage rental property Could it

You bought a Tesla primarily to take a 200 mile round trip twice a month? I'm not an expert but don't think anything changed relative to expensing your 2017 purchase - I think in recent years you've had similar choices for accounting for vehicle use.
by tibbitts
Sat Apr 07, 2018 3:17 pm
Forum: Personal Consumer Issues
Topic: Finance only laptop? Can I use an old one?
Replies: 25
Views: 1642

Re: Finance only laptop? Can I use an old one?

Oh, and I am not a techie, so Linux is really not an option for me, though it sounds very good... Before you get your mind locked in stone on that, why not try it? Download and burn a copy of Linux Mint to a DVD (32-bit or 64-bit, depending on your machine, although 32-bit should run on either), bo...
by tibbitts
Sat Apr 07, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Wills and Trusts - Things to consider?
Replies: 11
Views: 751

Re: Wills and Trusts - Things to consider?

I don't understand the speculation: the OP said irrevocable, and I don't assume that means irrevocable only after the OP passes away. There are a variety of reasons for having irrevocable trusts, but like I said I don't believe irrevocable trusts are d-i-y turf.
by tibbitts
Sat Apr 07, 2018 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Is Stock Market the only source of income in retirement ?
Replies: 21
Views: 2275

Re: Is Stock Market the only source of income in retirement ?

We have a paid off residence, & our main source of sustenance in due time will be Social Security & the withdrawals from our portfolio. We recently sold some investment real estate & the proceeds are being invested into the Market. I retired early/am on disability. Do any of you have or will have o...
by tibbitts
Sat Apr 07, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Wills and Trusts - Things to consider?
Replies: 11
Views: 751

Re: Wills and Trusts - Things to consider?

Background: Wife is 58, I'm 60, both in good health. We both still work and plan to for several more years. We have two grown children out on their own. Financially, we are in good shape with ~$4M in retirement savings, own our primary home and have a second lake house with a mortgage. We have a wi...
by tibbitts
Sat Apr 07, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Finance only laptop? Can I use an old one?
Replies: 25
Views: 1642

Re: Finance only laptop? Can I use an old one?

I have read with interest the conversations about having a chromebook or laptop that you use solely for your work on financial web sites and work - the idea being that is minimizes the risk of picking up a virus because you are not doing web surfing other than to controlled sites. I dont want a chr...
by tibbitts
Sat Apr 07, 2018 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing TIAA portfolio when most of portfolio is 3-fund Vanguard
Replies: 7
Views: 323

Re: Choosing TIAA portfolio when most of portfolio is 3-fund Vanguard

I have $750K in the classic Vanguard 3-Fund index portfolio. My employer and I put $1.4K a month into TIAA, where I know have $25K. I am 55, and right now all the TIAA funds are Target 2025. Is there a more Boglish choice at TIAA that would go well with the Vanguard portfolio? Every employer has a ...