Search found 8184 matches

by tibbitts
Wed Jan 16, 2019 11:42 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 739
Views: 33429

Re: John Bogle has died at age 89

Nothing to add, but appreciative for what he accomplished.
by tibbitts
Sun Jan 13, 2019 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: VWIAX [Vanguard Wellesley Income Fund]
Replies: 9
Views: 1029

Re: VWIAX [Vanguard Wellesley Income Fund]

Hey all, My wife (35yrs) and I will retire in about 5yrs or so. We will have about $72,000/yr in Social Security and retirement/pension checks. Here is our plan. Going to move all to VWIAX and will have at least 8,000 shares. Below is the Dividend/Capital Gain disbributions for 2018. Planning on su...
by tibbitts
Sun Jan 13, 2019 2:16 pm
Forum: Investing - Theory, News & General
Topic: Anyone beating the index instead of buying it?
Replies: 51
Views: 5038

Re: Anyone beating the index instead of buying it?

Just wondering if many people are buying shares rather than index funds and if so are you beating the index? Would you be better off putting it in the index? The purpose of asking is... ? Obviously if someone is buying individual shares they do not believe they would be better off putting money in ...
by tibbitts
Sun Jan 13, 2019 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: VWIAX [Vanguard Wellesley Income Fund]
Replies: 9
Views: 1029

Re: VWIAX [Vanguard Wellesley Income Fund]

I don't like this plan but if you're going to do it, I wouldn't spend the capital gains, only the dividends.
by tibbitts
Sat Jan 12, 2019 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity problems and what is substantially similar
Replies: 24
Views: 3112

Re: Fidelity problems and what is substantially similar

According to portfoliovisualizer.com, the total US funds have a 1.0 correlation and the total international funds have a .99 correlation. By that measure, they seem substantially identical. Read the hundreds of discussions about "substantially identical" here on the forum - I think you'll find you'...
by tibbitts
Sat Jan 12, 2019 2:14 pm
Forum: Personal Consumer Issues
Topic: Expensive DSLR through airport security
Replies: 45
Views: 2989

Re: Expensive DSLR through airport security

Global entry/TSA pre-check is essential for anyone who travels more than a couple of times a year. I've been pondering my photographic equipment strategy recently because I'm going to go on an Antarctic cruise next month. Previous cruisers recommend 2 bodies because you can't change lenses (or shou...
by tibbitts
Sat Jan 12, 2019 12:34 pm
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 68
Views: 3770

Re: Brake fluid replacement?

I think changing fluid is probably a good idea, but I'm afraid to have anyone do it (including me) because of how complicated and different the process is for different models. There are so many check valves and passages in the ABS module that I can see where you can end up with air in the wrong pla...
by tibbitts
Sat Jan 12, 2019 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after maxing out all tax advantaged options?
Replies: 33
Views: 4159

Re: What to do after maxing out all tax advantaged options?

Me and my wife max out our def comps, Roth IRAs, and 529 ( Up to state credit - 10,000 ). Is there a boglehead school of though on the next logical move for excess savings? Ibonds to the max allowed, taxable account, reits, etc, etc....? My school of thought is that it's good to have a balance of a...
by tibbitts
Sat Jan 12, 2019 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after maxing out all tax advantaged options?
Replies: 33
Views: 4159

Re: What to do after maxing out all tax advantaged options?

I have been a Bogleheads for the past 25 years but I did not discover this forum until a couple of years ago. I finally decided to register today to respond to this post and ask a couple of questions. Once one has maxed out all his or her tax-advantaged accounts, why not buying Berkshire Hathaway s...
by tibbitts
Sat Jan 12, 2019 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Rollover - why checks instead of wiring funds?
Replies: 35
Views: 1421

Re: Rollover - why checks instead of wiring funds?

The only way to solve this is to use cash from other accounts to hedge the transfer by buying equivalent securities on the same day you transfer all your investments in the to-be-rolled-over account to cash - and that's expensive if you have to borrow the cash. Of course usually you're hedging with ...
by tibbitts
Fri Jan 11, 2019 7:54 pm
Forum: Personal Consumer Issues
Topic: Expensive DSLR through airport security
Replies: 45
Views: 2989

Re: Expensive DSLR through airport security

Global entry/TSA pre-check is essential for anyone who travels more than a couple of times a year. I've been pondering my photographic equipment strategy recently because I'm going to go on an Antarctic cruise next month. Previous cruisers recommend 2 bodies because you can't change lenses (or shou...
by tibbitts
Fri Jan 11, 2019 12:39 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity "FidSafe" Free online storage of documents - is this safe?
Replies: 49
Views: 8462

Re: Fidelity "FidSafe" Free online storage of documents - is this safe?

Storage is cheap. 5 Gb is nothing. No bait and switch, just marketing. Will the online storage last forever? I don't know. Will Fidelity be around in 50 years? Google? Apple? Cloud copies have their place for ease of access, but not for archival. OTOH, if you burn your data onto a high quality Blu-...
by tibbitts
Fri Jan 11, 2019 12:22 am
Forum: Investing - Help with Personal Investments
Topic: American Funds (No Loads) vs Vanguard Index Funds
Replies: 30
Views: 2137

Re: American Funds (No Loads) vs Vanguard Index Funds

Hello, I'm new to the Bogleheads forum, but I've read through several threads discussing the advantages of passively managed Vanguard index funds over actively managed mutual funds, even ones through American Funds that have been advertised as outperforming index funds consistently. However, all of...
by tibbitts
Fri Jan 11, 2019 12:14 am
Forum: Personal Consumer Issues
Topic: Expensive DSLR through airport security
Replies: 45
Views: 2989

Re: Expensive DSLR through airport security

Global entry/TSA pre-check is essential for anyone who travels more than a couple of times a year. I've been pondering my photographic equipment strategy recently because I'm going to go on an Antarctic cruise next month. Previous cruisers recommend 2 bodies because you can't change lenses (or shou...
by tibbitts
Wed Jan 09, 2019 6:44 pm
Forum: Personal Consumer Issues
Topic: Expensive DSLR through airport security
Replies: 45
Views: 2989

Re: Expensive DSLR through airport security

You are allowed to take your carry-on bag through TSA security to the gate, at which point it will be confiscated in the gate-check process, since most of us have to travel on aircraft too small to accommodate it anywhere other than the cargo bin. You have a serious DSLR (probably two bodies), 24-7...
by tibbitts
Wed Jan 09, 2019 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Under $100k Avg Annual Income Millionaires and How You Did It?
Replies: 117
Views: 13813

Re: Under $100k Avg Annual Income Millionaires and How You Did It?

Just looking for the millionaires on here that did it on less than a $100k average annual household income, and what your main keys to success were? Also, if you wouldn't mind posting at what age you achieved this milestone and any other relevant facts. Thanks! I don't think you realize how difficu...
by tibbitts
Wed Jan 09, 2019 1:19 am
Forum: Personal Consumer Issues
Topic: Balsam Hill - Defective Christmas Tree
Replies: 66
Views: 2760

Re: Balsam Hill - Defective Christmas Tree

I don't know anything about these trees but what about them would be harmed by being in the rain? Well, assuming you dried the tree out before plugging it in, of course? I'm guessing it's mostly plastic and wires with LEDs? Also I really think covering it up with a few trash bags secured with shippi...
by tibbitts
Wed Jan 09, 2019 12:43 am
Forum: Investing - Help with Personal Investments
Topic: Advice for a young boglehead?
Replies: 13
Views: 1483

Re: Advice for a young boglehead?

KlangFool wrote:
Thu Jan 03, 2019 6:09 pm
Young Boglehead wrote:
Thu Jan 03, 2019 10:50 am

(self-employed so no 401k),
Young Boglehead,

It is even better. You can have your own 401K. And, you can contribute more and save more.

https://www.bogleheads.org/wiki/Solo_401(k)_plan

KlangFool
Well, except for not having a match.
by tibbitts
Wed Jan 09, 2019 12:00 am
Forum: Personal Consumer Issues
Topic: Expensive DSLR through airport security
Replies: 45
Views: 2989

Re: Expensive DSLR through airport security

You're completely missing the point. the scanners aren't an issue and nobody cares about your DSLR. You can leave in your bag. About half an hour later, somebody is going to take that bag containing your DSLR and toss it down a 15ft plastic ramp, and it's going to land on concrete. And then it's go...
by tibbitts
Tue Jan 08, 2019 10:58 pm
Forum: Forum Issues and Administration
Topic: DNS or Hosting Issues?
Replies: 13
Views: 563

Re: DNS or Hosting Issues?

livesoft wrote:
Tue Jan 08, 2019 5:32 pm
Acts fixed now. :)

Or maybe not.
Well even if it was fixed earlier, if the issue was the NS records, the TTL in the first example was sufficient that the changes might not propagate everywhere immediately.
by tibbitts
Tue Jan 08, 2019 10:52 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisory Fee Options: Sell My Positions or Bill Me?
Replies: 12
Views: 580

Re: Vanguard Advisory Fee Options: Sell My Positions or Bill Me?

I don't have PAS, but it sounds like maybe Vanguard should make it more obvious how the fee gets paid.
by tibbitts
Tue Jan 08, 2019 10:32 pm
Forum: Personal Consumer Issues
Topic: Expensive DSLR through airport security
Replies: 45
Views: 2989

Re: Expensive DSLR through airport security

You're completely missing the point. the scanners aren't an issue and nobody cares about your DSLR. You can leave in your bag. About half an hour later, somebody is going to take that bag containing your DSLR and toss it down a 15ft plastic ramp, and it's going to land on concrete. And then it's goi...
by tibbitts
Tue Jan 08, 2019 8:07 pm
Forum: Investing - Theory, News & General
Topic: Fell in Love with Fidelity
Replies: 60
Views: 6177

Re: Fell in Love with Fidelity

Okay so I can be a little impulsive, but I opened a Fidelity brokerage account and have fallen in love. I had three goals I wanted to achieve: -- Invest in bond market index fund -- increase international stock exposure with an international index fund -- Expand US stock exposure with a total stock...
by tibbitts
Tue Jan 08, 2019 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: Negative 13.6% return in 401K for 2018
Replies: 55
Views: 5637

Re: Negative 13.6% return in 401K for 2018

arengarajsug88 wrote:
Tue Jan 08, 2019 7:30 pm
nix4me wrote:
Tue Jan 08, 2019 5:37 pm
You are 92% stocks with 30% of that in a high priced international growth fund. International has been terrible for quite some time.
Thank you for your feedback!
Which isn't to say you should have less foreign.

You should go back and edit your original post to include fund names.
by tibbitts
Tue Jan 08, 2019 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Equity-indexed annuity - Helping a Parent Who Bought In
Replies: 16
Views: 949

Re: Equity-indexed annuity - Helping a Parent Who Bought In

In your original post, you mentioned there might be a 3% floor, and I was about to suggest she could keep some money in there. But this post says a 0% floor and a 3% cap. That’s absolutely HORRIBLE. I’d be out of that annuity pretty quickly. +1 Agree that a 3% cap is very bad so I suggest cashing i...
by tibbitts
Tue Jan 08, 2019 10:32 am
Forum: Forum Issues and Administration
Topic: DNS or Hosting Issues?
Replies: 13
Views: 563

Re: DNS or Hosting Issues?

DNS appears to have been broken, at least earlier: ;; ANSWER SECTION: diehards.org. 24262 IN NS gs6.winux.com. diehards.org. 24262 IN NS gs7.winux.com. At that point gs6 could not resolve the domain, but gs7 could. Currently: ;; ANSWER SECTION: diehards.org. 1200 IN NS gs7.winux.com. diehards.org. 1...
by tibbitts
Sun Jan 06, 2019 2:31 pm
Forum: Investing - Theory, News & General
Topic: How to compare active managed vs index
Replies: 24
Views: 731

Re: How to compare active managed vs index

Newbie question -- Say you have two funds with the same/similar objective, one is active managed with a higher ER one is indexed with a low ER. How do you determine which fund performs better. So when I use the compare features on investment sites I've seen times where the 1,3,5,10yr, life performa...
by tibbitts
Sun Jan 06, 2019 11:20 am
Forum: Personal Consumer Issues
Topic: United, American Airlines, Delta--about the same?
Replies: 144
Views: 7753

Re: United, American, Delta--about the same?

Since then, I have tried to avoid United. They would starve a baby rather than provide him with a little food. We had to share ours with him. I see it that parents didn't want to share their food with their child until forced to. :) I see someone drawing unwarranted conclusions. We had even brought...
by tibbitts
Sun Jan 06, 2019 11:09 am
Forum: Investing - Theory, News & General
Topic: How to compare active managed vs index
Replies: 24
Views: 731

Re: How to compare active managed vs index

Newbie question -- Say you have two funds with the same/similar objective, one is active managed with a higher ER one is indexed with a low ER. How do you determine which fund performs better. So when I use the compare features on investment sites I've seen times where the 1,3,5,10yr, life performa...
by tibbitts
Sun Jan 06, 2019 11:06 am
Forum: Personal Finance (Not Investing)
Topic: FAFSA - is it worth filling out?
Replies: 108
Views: 5472

Re: FAFSA - is it worth filling out?

I started a college fund nearly the day my son was born (he's now a HS senior) and feel I'm prepared to cover tuition/expenses for a reasonable 4-year college stay. Most of the schools he applied to are saying we need to fill out the FAFSA. Besides not really wanting to share my personal financial ...
by tibbitts
Sun Jan 06, 2019 10:42 am
Forum: Personal Consumer Issues
Topic: United, American Airlines, Delta--about the same?
Replies: 144
Views: 7753

Re: United, American, Delta--about the same?

Since then, I have tried to avoid United. They would starve a baby rather than provide him with a little food. We had to share ours with him. I see it that parents didn't want to share their food with their child until forced to. :) I see someone drawing unwarranted conclusions. We had even brought...
by tibbitts
Sun Jan 06, 2019 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Pension Handcuffs?
Replies: 51
Views: 4341

Re: Pension Handcuffs?

Because of my compensation and years of service, each additional year I work will provide an incremental $5750 per year for the rest of my life (and 50% of that for the remainder of my wife’s life if she survives me), even if my compensation never again increases. Depending on the details of the pe...
by tibbitts
Sat Jan 05, 2019 7:40 pm
Forum: Personal Consumer Issues
Topic: Carryon for 7-day FL vacation?
Replies: 63
Views: 2577

Re: Carryon for 7-day FL vacation?

Keepcalm wrote:
Sat Jan 05, 2019 2:18 pm
Am I dreaming to think I can get away with a carryon?
It is a personal decision. If your entire 22 inch roll-aboard is filled with photography equipment, no. If you have to carry a moderately serious tripod, no.
by tibbitts
Sat Jan 05, 2019 7:37 pm
Forum: Personal Consumer Issues
Topic: Carryon for 7-day FL vacation?
Replies: 63
Views: 2577

Re: Carryon for 7-day FL vacation?

My wife and I usually check one bag between us on most trips. We carry on a laptop and maybe some reading material. I don't want TSA going through our clothes and consider the $50 round trip check baggage fee worth it. TSA agents search many bags during their shift and they usually change their glo...
by tibbitts
Sat Jan 05, 2019 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: 7% guaranteed return fund in 403b
Replies: 23
Views: 2931

Re: 7% guaranteed return fund in 403b

Agree, I would put as much as possible into this fund.
by tibbitts
Sat Jan 05, 2019 11:47 am
Forum: Personal Consumer Issues
Topic: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV
Replies: 44
Views: 2674

Re: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV

So does this mean new high tech features are less reliable than the technology they replace? I can imagine the sales pitch from a few decades ago. "You need the extended warranty because this new-fangled electronic fuel injection and electronic ignition are probably less reliable than the tried-and...
by tibbitts
Sat Jan 05, 2019 10:02 am
Forum: Investing - Help with Personal Investments
Topic: What to do with VCVSX? [Vanguard Convertible Securities Fund]
Replies: 2
Views: 196

Re: What to do with VCVSX? [Vanguard Convertible Securities Fund]

I asked this in another thread, in a different way: what is the most appropriate replacement fund among Vanguard funds. The one answer I received was that a combination of HY bond and mid/small cap stock would be most appropriate. If I recall the fund had adopted an allocation to international, so a...
by tibbitts
Fri Jan 04, 2019 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: 403b 457b (government) and h&r block
Replies: 8
Views: 1484

Re: 403b 457b (government) and h&r block

Yes, dredging up ancient history, whether you consider this a breathtakingly stupid design decision, or simply an error. So in the spring of 2018, I seem to recall the solution was described in detail here: http://community.hrblock.com/t5/All-Things-Tax/457-b-and-401k-limits-when-we-have-both-a-457-...
by tibbitts
Fri Jan 04, 2019 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: HRBlock Appears to be Calculating Tax Wrong 1/4/2019
Replies: 25
Views: 2151

Re: HRBlock Appears to be Calculating Tax Wrong 1/4/2019

I noticed that it seemed to choke on my wife's 403b and 457 plan deductions. She maxes out both, but when I entered some draft numbers based on our final 2018 pay stubs it showed a taxable income about $18,000 higher than it should have done. Digging into it, it seems like the software assumes that...
by tibbitts
Fri Jan 04, 2019 6:09 pm
Forum: Personal Consumer Issues
Topic: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV
Replies: 44
Views: 2674

Re: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV

i would not buy into any hi-tech feature of car. a minor mis-aligned camera, LIDAR sensor will make automation useless. Be a safe driver, not reckless driver with all those "hi-tech" gadgets. I agree with you completely. These new gadgets only supplement safety. "Hi tech" gadgets work their way int...
by tibbitts
Thu Jan 03, 2019 12:34 pm
Forum: Investing - Theory, News & General
Topic: Vanguard To Liquidate Convertible Securities Fund
Replies: 24
Views: 1770

Re: Vanguard To Liquidate Convertible Securities Fund

And a logical replacement for this fund (among Vanguard funds, available in Vanguard mutual fund accounts) would be... ?
by tibbitts
Thu Jan 03, 2019 12:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard To Liquidate Convertible Securities Fund
Replies: 24
Views: 1770

Re: Vanguard To Liquidate Convertible Securities Fund

If investors should own the market portfolio, why should convertibles or preferred stocks be excluded from that? I don't see why common stocks and corporate bonds are inherently superior to convertibles or preferred stocks. One potential issue with preferred stocks: They provide a tax benefit to co...
by tibbitts
Thu Jan 03, 2019 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Help my daughter choose a retirement plan- OPERS (Ohio Public Employees Retirement System)
Replies: 9
Views: 730

Re: Help my daughter choose a retirement plan- OPERS (Ohio Public Employees Retirement System)

I live in Indiana and worked in the private sector. My daughter is working at a university in Ohio and needs to select a pension option under OPERS. For those that are familiar with OPERS, which option would you recommend? For all options, the university contributes 14% and she is contributing 10%....
by tibbitts
Thu Jan 03, 2019 9:52 am
Forum: Investing - Theory, News & General
Topic: Total International
Replies: 14
Views: 1651

Re: Total International

Thoughts on Int’l currently? Oversold? Great buy? Or tax loss harvest and run for the hills? None of the above; if you tax lost harvest you would only do so to another international fund, so "running" wouldn't be the appropriate term. You either have international in your investing plan or don't an...
by tibbitts
Thu Jan 03, 2019 9:49 am
Forum: Investing - Theory, News & General
Topic: "Vanguard Minimum Investment Cuts Overdue"
Replies: 47
Views: 4260

Re: "Vanguard Minimum Investment Cuts Overdue"

That minimum on Utilities Admiral is still out of control.
by tibbitts
Thu Jan 03, 2019 9:26 am
Forum: Personal Finance (Not Investing)
Topic: ug - seeking medical billing advice for ambulance ride
Replies: 45
Views: 3347

Re: ug - seeking medical billing advice for ambulance ride

I think you should pay the bill and use this experience as a reminder to not ride a bicycle when there is even the slightest possibility of ice. Riding a bike is a fairly high-risk activity even in the absence of ice, so I think you have to figure some medical bills into the cost of the activity. Of...
by tibbitts
Thu Jan 03, 2019 2:19 am
Forum: Personal Finance (Not Investing)
Topic: self employed tax question
Replies: 37
Views: 1162

Re: self employed tax question

You should really think about engaging a professional for tax preparation and tax planning. After the end of the year is not a good time to start to ask about tax issues. Your questions indicate a lack of any knowledge about self-employment. As has been pointed out, the 15.3% Self-Employment (SE) t...
by tibbitts
Thu Jan 03, 2019 2:10 am
Forum: Investing - Help with Personal Investments
Topic: Delaying retirement just to help adult children
Replies: 66
Views: 6128

Re: Delaying retirement just to help adult children

I think it’s their business, maybe they don’t really want to retire. My brother and his wife is in this category, but they are still youngish, 50 and 60. Supporting 3 kids, two are adults, already graduated from college, waiting for the next step. I guess not everybody wants to retire. I have one k...
by tibbitts
Thu Jan 03, 2019 2:06 am
Forum: Investing - Help with Personal Investments
Topic: Delaying retirement just to help adult children
Replies: 66
Views: 6128

Re: Delaying retirement just to help adult children

First I would say it's a little odd that you were " going over (your) brother and sister-in law's finances", but moving past that... This seems like something they are choosing for their life, so that's fine. I don't think I would do what they are doing, obviously except in the case of children with...
by tibbitts
Tue Jan 01, 2019 4:25 pm
Forum: Personal Consumer Issues
Topic: Purchased eBay item, now listing show Out of Stock
Replies: 14
Views: 829

Re: Purchased eBay item, now listing show Out of Stock

DTalos wrote:
Tue Jan 01, 2019 3:45 pm
I purchased an item on eBay and when I go to the listing, instead of saying "sold", it says "out of stock." Is this normal?
It sounds normal. Is there some urgent need for this item such that you can't wait to receive a shipping notification (or not)?