Search found 7447 matches

by tibbitts
Sun May 20, 2018 7:54 pm
Forum: Personal Consumer Issues
Topic: New phone to continue T-mobile legacy prepaid plan
Replies: 10
Views: 882

Re: New phone to continue T-mobile legacy prepaid plan

I just looked up online, Bestbuy has the updated Nokia 3310 (2017version) for $60, and it's completely unlocked GSM. I don't have personal experience with this particular model, however Nokia had made a name for durability, one of my old ancient Nokia spare handset still works, albeit it was not he...
by tibbitts
Sun May 20, 2018 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate
Replies: 60
Views: 2756

Re: TIAA Real Estate

There was certainly a lot of doom-and-gloom over at Mornginstar, and people seemingly bailing out right and left starting last year, so it will be interesting to see how things turn out going forward. I was one of the partial bailers, moving a part of my accumulation mode TREA into restricted Trad ...
by tibbitts
Sun May 20, 2018 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Newly widowed, how do I invest 1.5 million life ins. proceeds
Replies: 45
Views: 3718

Re: Newly widowed, how do I invest 1.5 million life ins. proceeds

So you can see you're getting responses that are all over the map, and I hope that doesn't discourage you. Once difference with paying someone is that yo won't pay hundreds of people to give you an opinion, so it's more difficult to judge if you're getting advice that's way out of the mainstream. Yo...
by tibbitts
Sun May 20, 2018 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate
Replies: 60
Views: 2756

Re: TIAA Real Estate

It has been growing at close to the 4% level over the past year, but in the past few months, it has picked up to closer to 6% (0.5% per month). JUst did the math on this. as far as i can figure for 2018 (i.e. since year end) the fund is growing at an annualized rate of 4.5% I monitor month by month...
by tibbitts
Sun May 20, 2018 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate
Replies: 60
Views: 2756

Re: TIAA Real Estate

I hate to break it to you but the returns already have dropped below Traditional, dramatically in some cases, depending on the time period you choose to measure. ?? You would have to do some very motivated cherry picking to find a recent period where TIAA Real Estate has returned less than illiquid...
by tibbitts
Sun May 20, 2018 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Wife Retiring hesitant to roll-over funds to Vanguard
Replies: 36
Views: 2348

Re: Wife Retiring hesitant to roll-over funds to Vanguard

Wife maybe retiring soon. She's hesitant to roll-over her funds to Vanguard, as I have my funds there and she's worried about all eggs in one place. We reviewed the performance of her funds, with the company plan and they clearly underperformed the Vanguard funds over past 10 years. Suggested she l...
by tibbitts
Sun May 20, 2018 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate
Replies: 60
Views: 2756

Re: TIAA Real Estate

I hate to break it to you but the returns already have dropped below Traditional, dramatically in some cases, depending on the time period you choose to measure. ?? You would have to do some very motivated cherry picking to find a recent period where TIAA Real Estate has returned less than illiquid...
by tibbitts
Sun May 20, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device
Replies: 31
Views: 993

Re: Wifi + wired device

A mesh router will give you wifi throughout the house with little degradation in speed. There are also other benefits like just one network name unlike extenders. Just make sure the one you buy has an ethernet jack on each station - one is placed where the wire enters your house and 1 or 2 others a...
by tibbitts
Sun May 20, 2018 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard's Tax Managed Balanced Fund (VTMFX) truly passive/Index??
Replies: 15
Views: 945

Re: Is Vanguard's Tax Managed Balanced Fund (VTMFX) truly passive/Index??

I don't understand the reason for the the hair-spitting here. Certainly the s&p 500 is by no means passive, yet an index based on it can be considered passively managed, so... where does that leave you? It's almost like people are wondering if a fund is "pure" enough to receive some sort of Boglehea...
by tibbitts
Sun May 20, 2018 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Newly widowed, how do I invest 1.5 million life ins. proceeds
Replies: 45
Views: 3718

Re: Newly widowed, how do I invest 1.5 million life ins. proceeds

If you do get a job, while collecting SS, your SS benefit will be reduced $1 for every $2 over $17,000 earned per year. At full retirement age (FRA) this penalty goes away. I waited until my FRA, age 66, to collect SS survivor benefits while still working. I will start my own SS benefits next year ...
by tibbitts
Sun May 20, 2018 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Newly widowed, how do I invest 1.5 million life ins. proceeds
Replies: 45
Views: 3718

Re: Newly widowed, how do I invest 1.5 million life ins. proceeds

The most important thing is to not make any investment decisions until you're comfortable with what you want to do. Just get the money somewhere safe where it earns a little interest. No matter what you do with it cash loses money to inflation right now but it doesn't lose that much. Maybe the insur...
by tibbitts
Sun May 20, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device
Replies: 31
Views: 993

Re: Wifi + wired device

But I have to add wifi the PC in some fashion. A USB adapter is about the same cost, so I thought the extender would do double duty. If the PC had wifi, like my old one did, I'd certainly try it without first. USB wifi adapters are about $10. If you have a cell phone, you can use it to check if you...
by tibbitts
Sun May 20, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: Air conditioner recommendations?
Replies: 16
Views: 727

Re: Air conditioner recommendations?

In my case all the software pointed to 3 tons but it's not enough for triple digit temperatures, even after adding much better windows, more insulation, etc. Each area has a certain design temperature, and the a/c system is set up to handle that temperature. When the actual temperatures in the area...
by tibbitts
Sun May 20, 2018 3:01 pm
Forum: Personal Consumer Issues
Topic: Air conditioner recommendations?
Replies: 16
Views: 727

Re: Air conditioner recommendations?

But do you think we should look at other brands? Any of the major brands will be fine. You should really get quotes from several companies since prices can vary greatly. You did not say how old the rest of your system is but it sounds like this guy has just been patching it together and that may be...
by tibbitts
Sun May 20, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device
Replies: 31
Views: 993

Re: Wifi + wired device

I have no idea right now whether an extender is even needed but it probably couldn't hurt. How far from your cable modem is your computer located? 60 feet maybe? With a couple of walls in between. A narrow hall connects the office to the family room where the cable comes in. 60 feet should be fine ...
by tibbitts
Sun May 20, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device
Replies: 31
Views: 993

Re: Wifi + wired device

The cable company won't run a cable to the other end of the house for you? Maybe, but I don't want to mess with anything like that. If somebody else does the work you don't have to "mess" with it but what you really want is a different type of cable run anyway. My wifi router is more than a dozen y...
by tibbitts
Sun May 20, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device
Replies: 31
Views: 993

Re: Wifi + wired device

Pajamas wrote:
Sun May 20, 2018 12:52 pm
The cable company won't run a cable to the other end of the house for you?
For the price the OP is paying he's lucky they don't make him dig a trench and run his own cable to his house.
by tibbitts
Sun May 20, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: New phone to continue T-mobile legacy prepaid plan
Replies: 10
Views: 882

Re: New phone to continue T-mobile legacy prepaid plan

So it seems that some of my issues with roaming failures may be due to elimination of 2G on non-t-mobile networks. I guess t-mobile will follow that in a year or two, so the simple solution of replacing my phone with a used-but-working same model isn't the most appealing. Will the $10 legacy plan s...
by tibbitts
Sun May 20, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Air conditioner recommendations?
Replies: 16
Views: 727

Re: Air conditioner recommendations?

I would add that the way you're going about selecting a system is backwards. You seem to be basing it on the size of your current unit and whether it's sufficient but you are not considering that it may not be installed and/or operating properly (given that it's constantly leaking freon it is obvio...
by tibbitts
Sun May 20, 2018 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Newly widowed, how do I invest 1.5 million life ins. proceeds
Replies: 45
Views: 3718

Re: Newly widowed, how do I invest 1.5 million life ins. proceeds

In your situation a 2% withdrawal rate would be aggressive Why? I don't agree with that at all. Okay I should have said "In my opinion a 2% withdrawal rate would be aggressive", but I think the opinion part is kind of assumed around here. I really should have said "breathtakingly aggressive", or ma...
by tibbitts
Sun May 20, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Air conditioner recommendations?
Replies: 16
Views: 727

Re: Air conditioner recommendations?

I don't think the attitude is unbelievable because I don't think the parts people are in the retail business and you were a price-shopping retail customer. You knew that going in. You're throwing out prices for air conditioners but that the issue is cost of the entire system, and the components have...
by tibbitts
Sun May 20, 2018 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Newly widowed, how do I invest 1.5 million life ins. proceeds
Replies: 45
Views: 3718

Re: Newly widowed, how do I invest 1.5 million life ins. proceeds

Sorry about your situation. There's no way $1.5M will reliably generate anywhere near $5k/mo, and remember you have to account for inflation. In your situation a 2% withdrawal rate would be aggressive, and remember that SS benefits may be not indexed to your inflation rate, just some arbitrary infla...
by tibbitts
Sat May 19, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 51
Views: 2165

Re: Road trip Newark NJ to Albany

Thanks for the replies.The reason for flying to Newark from Calif is SWA has non stop flights.I could fly to Albany but it takes about 4 more hours and terrible flight times.I also figured there would be something to see on the drive to and from.We may consider the train.We have been to Manhattan a...
by tibbitts
Sat May 19, 2018 3:19 pm
Forum: Investing - Theory, News & General
Topic: Dividend / no dividend index funds?
Replies: 21
Views: 1618

Re: Dividend / no dividend index funds?

Do any funds like this exist? I for one would love to use them, assuming expenses are low. You could try using Vanguard's "Chose your mutual funds" screen at https://investor.vanguard.com/mutual-funds/list#/mutual-funds/asset-class/month-end-returns and near the bottom of the "filter" put a check i...
by tibbitts
Sat May 19, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: New phone to continue T-mobile legacy prepaid plan
Replies: 10
Views: 882

Re: New phone to continue T-mobile legacy prepaid plan

I could buy a new poorly-rated flip phone by mail from t-mobile, but the entire "official" t-mobile process would set me back considerably more than $100, and that seems kind of silly for less functionality than I had a decade ago. I have to give tracfone credit for making the process easier if not ...
by tibbitts
Sat May 19, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: New phone to continue T-mobile legacy prepaid plan
Replies: 10
Views: 882

Re: New phone to continue T-mobile legacy prepaid plan

Sim card size: perhaps check at local small dealers if they are willing cut the simcard to a smaller size for a nominal fee. I got that done years ago for $5. Or, if you are handy, use a sim cutter or simply scissor to cut it yourself. Naturally, you must have looked for t mobile online or in store...
by tibbitts
Sat May 19, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Career planning in IT/software development when over 40
Replies: 31
Views: 2154

Re: Career planning in IT/software development when over 40

I thought career planning in IT after 40 was called "retirement planning"...?
by tibbitts
Sat May 19, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 71
Views: 3868

Re: What’s your phone/internet bill?

For those of you who change providers annually to get a better deal: do you get "new customer" pricing after being away for a year? Two years? I'm wondering if it works like credit cards from most providers, where you can get a signup bonus after a couple of years. Or maybe it's like Amex/Delta and ...
by tibbitts
Sat May 19, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: New phone to continue T-mobile legacy prepaid plan
Replies: 10
Views: 882

Re: New phone to continue T-mobile legacy prepaid plan

So it seems that some of my issues with roaming failures may be due to elimination of 2G on non-t-mobile networks. I guess t-mobile will follow that in a year or two, so the simple solution of replacing my phone with a used-but-working same model isn't the most appealing. It also seems that there ar...
by tibbitts
Sat May 19, 2018 10:29 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate
Replies: 60
Views: 2756

Re: TIAA Real Estate

TIAA Real estate does have manager risk. In particular they are doing like basically zero investing in the midwest right now https://www.tiaa.org/public/pdf/ffs/878094200.pdf if you look a this fact sheet you'll see they have 2.5% in the midwest. Their managers seems to have a lot of conviction tha...
by tibbitts
Sat May 19, 2018 10:24 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate
Replies: 60
Views: 2756

Re: TIAA Real Estate

It has been growing at close to the 4% level over the past year, but in the past few months, it has picked up to closer to 6% (0.5% per month). JUst did the math on this. as far as i can figure for 2018 (i.e. since year end) the fund is growing at an annualized rate of 4.5% Is that considered decen...
by tibbitts
Sat May 19, 2018 10:03 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate
Replies: 60
Views: 2756

Re: TIAA Real Estate

I thought a lot about the expense ratio before investing in TIAA Real estate. I came to the conclusion that there were essentially no similar investments that I could compare it to, so the ER became somewhat irrelevant. I became attracted to the fund for the following reasons: 1. Extremely low vola...
by tibbitts
Sat May 19, 2018 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Pension and Sociai Security Impact on 4% Rule
Replies: 15
Views: 1301

Re: Pension and Sociai Security Impact on 4% Rule

I see many analyses in which the 4% rule is used as a guide to determine one's FIRE number. For example if your annual spending in $80K you needs $2M to consider a FIRE retirement. I realize that this is only a rule of thumb but I think it a useful one. What I do not see are many analyses in which ...
by tibbitts
Fri May 18, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: New phone to continue T-mobile legacy prepaid plan
Replies: 10
Views: 882

New phone to continue T-mobile legacy prepaid plan

I'm looking for suggestions for a replacement phone. My Samsung T-139 flip phone has failed - it only works like a pager now (still rings, but talking doesn't work.) I have another carrier's service on a smartphone, but would like to keep my legacy T-mobile prepaid plan (so, as little as $10/yr keep...
by tibbitts
Thu May 17, 2018 11:21 pm
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 51
Views: 2165

Re: Road trip Newark NJ to Albany

Thinking of flying to Newark in October and driving up to the Albany area.We like small towns and nice scenery.Any suggestions would be appreciated.Will spend a week and fly back home from Newark or maybe do a one way car rental and fly home from another airport back to California Why fly to, or wo...
by tibbitts
Thu May 17, 2018 11:16 pm
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 251
Views: 45124

Re: What's the ideal safe retirement net worth target?

asdf1 wrote:
Wed Jun 15, 2016 11:08 am
I am curious what everyone think's would be the "safe" net-worth target to enable a couple to retire comfortably, no matter where they live in the country (so obviously assuming they continue to live in HCL area)?
Always, about 50% more than however much they have.
by tibbitts
Thu May 17, 2018 11:03 pm
Forum: Investing - Help with Personal Investments
Topic: Ally No Penalty CD @1.75% vs VMMXX @ 1.87%
Replies: 25
Views: 2707

Re: Ally No Penalty CD @1.75% vs VMMXX @ 1.87%

The expense ratio is .16% so OP will be losing $10 for the hassle of moving it over. Still worth it?? OP will not lose $10 because the SEC yield includes the expense ratio. I move easy things for $30 all the time. You sure about that? The definition on Vanguard says nothing about the SEC yield incl...
by tibbitts
Thu May 17, 2018 7:19 pm
Forum: Investing - Theory, News & General
Topic: Are you including annual increases in contributions in your projections?
Replies: 36
Views: 1503

Re: Are you including annual increases in contributions in your projections?

Rarely discussed on this forum is the impact of increasing contributions over time on one's investments. This might be partially due to that fact that many, probably most, of the investment calculators out there do not allow users to include increasing contributions over time. However, it seems pru...
by tibbitts
Wed May 16, 2018 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Becoming a Certified Financial Planner
Replies: 21
Views: 2137

Re: Becoming a Certified Financial Planner

I'm about to turn 60 and just got forcibly retired (aka laid off) from my IT job. I was burned out on it anyway. What I really enjoy is finance and financial planning. I've always read voraciously on the topic and have done well for myself. I like advising others and doing well for them (friends, f...
by tibbitts
Tue May 15, 2018 10:34 pm
Forum: Personal Consumer Issues
Topic: Rental Car : Paying Toll tax in Texas for a CA resident
Replies: 13
Views: 1159

Re: Rental Car : Paying Toll tax in Texas for a CA resident

Likely, you will get a a mysterious charge from your rental car company weeks after the rental for the total plus an administrative fee. It was $30 plus $5 for the toll for me. Further broken down: toll: $0.30 toll company administration fee: $4.70 rental car company fee: $30 I experienced this sam...
by tibbitts
Tue May 15, 2018 10:00 pm
Forum: Personal Consumer Issues
Topic: Brake work estimate
Replies: 45
Views: 2799

Re: Brake work estimate

Price sounds about right. FYI. Replacing pads and rotors is actually a fairly easy DIY task even for someone who's not particularly handy. Haha be careful with this. Being handy is different from being mechanically inclined. I budgeted four hours for my first brake job. I wound up screwing around f...
by tibbitts
Tue May 15, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: College laptop for fall 2018 freshman
Replies: 75
Views: 4011

Re: College laptop for fall 2018 freshman

I was discussing this very topic the other day with DW (we have two nieces graduating high school this week and going on to college). She pointed out that it would be good to check with the college to see if they have any particular requirements. From what little I've heard, some colleges are downr...
by tibbitts
Tue May 15, 2018 7:05 pm
Forum: Personal Consumer Issues
Topic: Travel trailers RVs etc
Replies: 14
Views: 1478

Re: Travel trailers RVs etc

You can't justify an RV based on cost unless you use it almost constantly. It's a lifestyle preference - a different travel experience than using just hotels and motels. Being as tall as you are is problematic unless you don't mind not standing up in the RV. Many have roof air that you'll bang your ...
by tibbitts
Mon May 14, 2018 7:57 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 127
Views: 8782

Re: The front page is ugly

Most of this forum looks professional and well maintained. But the front page has some kind of text-based forum preview from the early 90s. This should really be changed. I know the current front page may be useful to some users, but shouldn't it be placed elsewhere? This website should put its bes...
by tibbitts
Sun May 13, 2018 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Prime Money Market instead of bond fund
Replies: 40
Views: 4951

Re: Vanguard Prime Money Market instead of bond fund

alwayshedge wrote:
Sun May 13, 2018 2:11 pm
I've noticed the Vanguard Prime MM is yielding quite a bit now. When designing a portfolio in the current state, would it be advisable to substitute say the total bond fund with the Prime MM?
"Quite a bit" would be 2% real or so. Not seeing that.
by tibbitts
Sun May 13, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 297
Views: 19812

Re: Lucrative careers?

All the replies haven't mentioned that you have to actually be successful at whatever the career is to make any money at all. Outside of this forum, people "wash out" in pursuing careers all the time. The fact is, most normal non-Bogleheads couldn't be licensed/certified/educated in many of the care...
by tibbitts
Sun May 13, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Online/cloud backup or file storage?
Replies: 38
Views: 2182

Re: Online/cloud backup or file storage?

I am not sure how long this will last, but in about a month I will lose access to the computers I have used for a long time -- and will be using library computers - with my files stored on flash drive(s). I will want to save/backup using one of the free "cloud" services - Suggestions and experience...
by tibbitts
Sun May 13, 2018 12:25 pm
Forum: Investing - Theory, News & General
Topic: This is Unbelievable - another Vanguard customer support odyssey
Replies: 55
Views: 10931

Re: This is Unbelievable - another Vanguard customer support odyssey

Hello, OP back to tie up loose ends. The supervisor with whom we were connected took care of all the IRA acct loose ends in a snap. She was unable to help with why the balance of the original 403B money was directed into the roth (conversion) acct since the 403B had been handed off to the other man...
by tibbitts
Sun May 13, 2018 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: For Those Who Purchased Ally No Penalty CD's in Dec/Jan
Replies: 31
Views: 4773

Re: For Those Who Purchased Ally No Penalty CD's in Dec/Jan

Closed one large No-Penalty CD @ 1.5 % and opened three 12 month CDs @ 2.25%. Pretty much a no-brainer for us as we have ample funds available without being concerned about locking up the $ for 12 months. It's still a tough call. You could have chosen a money market fund or the Boglehead-unloved ul...
by tibbitts
Sun May 13, 2018 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: About to fire advisor, lagging. Comments?
Replies: 17
Views: 1114

Re: About to fire advisor, lagging. Comments?

Before you leave tell us about the "complex investments" he has you in currently. Can you move this stuff to Vanguard or other low cost broker or do you have to sell it all first? How much capital gains and other issues does selling this stuff do to your taxes? Will there be back end fees for selli...