Search found 7748 matches

by tibbitts
Wed Aug 15, 2018 7:59 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 283
Views: 17406

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

OP, I'm not seeing you chime in, so I'm assuming nothing is convincing you to stay the course. Will you agree to come back to this post in 5 years, say approximately 2024, and look at the past 22 years of returns (2002-2024) as you are doing now and see how US compares to Int'l, and post your resul...
by tibbitts
Wed Aug 15, 2018 7:33 am
Forum: Personal Consumer Issues
Topic: Are merchants more (too) careless these days?
Replies: 24
Views: 1900

Re: Are merchants more (too) careless these days?

Just today I went to the major grocery store chain in our area and realized they rung up the same item twice. The clerk was neither surprised she made the mistake nor apologetic. After the incident I looked at my receipt and realized they rung up an extra soda bottle as well. Got it reversed before...
by tibbitts
Tue Aug 14, 2018 10:01 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 283
Views: 17406

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Well, I would say that now, but when I'd gone through a good chunk of my adult life with savings accounts in the 5-6% range and equities pumping out double-digit annual returns year after year, it seemed unreasonable to base retirement on less than 5% nominal. And now, saving more money doesn't see...
by tibbitts
Tue Aug 14, 2018 8:27 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 283
Views: 17406

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Also, you suggest that something "Fundamentally different is going on." Amen... that's another great concern of mine and that is one of the itches I am trying to scratch while reading through responses. I think there is real and valid reasons to question International Investing - Why we ever went d...
by tibbitts
Tue Aug 14, 2018 5:44 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 283
Views: 17406

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Also, you suggest that something "Fundamentally different is going on." Amen... that's another great concern of mine and that is one of the itches I am trying to scratch while reading through responses. I think there is real and valid reasons to question International Investing - Why we ever went d...
by tibbitts
Tue Aug 14, 2018 5:13 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 283
Views: 17406

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Also, you suggest that something "Fundamentally different is going on." Amen... that's another great concern of mine and that is one of the itches I am trying to scratch while reading through responses. I think there is real and valid reasons to question International Investing - Why we ever went d...
by tibbitts
Sun Aug 12, 2018 9:43 pm
Forum: Personal Consumer Issues
Topic: Pop up tent camper
Replies: 13
Views: 1306

Re: Pop up tent camper

Any advice or experience for a Pop Up tent Camper for a Honda CR-V or Toyota RAV4 (tow capacity of 1500 lbs) that a Boglehead can share. Thanks Paul I have towed a pop-up with a larger vehicle. I would not tow one with a vehicle rated for only 1500lbs. I don't know about these vehicles specifically...
by tibbitts
Sun Aug 12, 2018 9:35 pm
Forum: Investing - Theory, News & General
Topic: How can I use the Rising Equity Glide Path?
Replies: 61
Views: 3499

Re: How can I use the Rising Equity Glide Path?

a 50/50 portfolio had a 95% chance of survival over 30 years at a 4% withdrawal (100% at 3% withdrawal): a 75/25 portfolio had a 98% chance of survival over 30 years at a 4% withdrawal (100% at 3 % withdrawal): withdrawals are adjusted for inflation. this was true for all 30 year periods between 19...
by tibbitts
Sun Aug 12, 2018 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: How to have “what if” discussion with retired parents?
Replies: 48
Views: 4267

Re: How to have “what if” discussion with retired parents?

If you do manage to have the discussion, try to convince them to let you read their estate planning documents (will, trust, health care directives, power of attorney, etc...). What they think has been planned out and what is actually planned in writing may be different. Read every word on every doc...
by tibbitts
Sun Aug 12, 2018 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Experian email alert! "Your score decreased"
Replies: 27
Views: 2524

Re: Experian email alert! "Your score decreased"

I've had some huge swings lately - notably 30 point down in one month! No changes to my accounts, though.
by tibbitts
Sun Aug 12, 2018 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 5979

Re: Paper checks yes or no?

StevieG72 wrote:
Sun Aug 12, 2018 11:18 am
No

I have not had paper checks in years.

On the infrequent occasion that I need a check, I stop in my credit union for a no fee cashiers check.
That would be a significant inconvenience for a lot of people vs. just writing a check and mailing it.
by tibbitts
Sun Aug 12, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 5979

Re: Paper checks yes or no?

Sadly, we don't have a robust alternative. I lived for four years in a country where checks didn't exist. I never missed them. The problem is that the US banking system is archaic so we still need to scribble on little pieces of paper and pass them around in some cases. What is laughable is that th...
by tibbitts
Sun Aug 12, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Crossroad of what to do next?
Replies: 37
Views: 2568

Re: Crossroad of what to do next?

Paying off high rate debt like student loans gives you the best return on investment. Once that is done, you can consider the next best roi. Emergency fund for possible loss of income would be a priority too, before worrying about ira vs 529 etc. But get there asap, so you can take that next step t...
by tibbitts
Sun Aug 12, 2018 12:50 am
Forum: Personal Consumer Issues
Topic: Used Car Negotiation
Replies: 29
Views: 2619

Re: Used Car Negotiation

Most of the dealers in our area have changed to "no haggle" pricing. Sometimes it works, sometimes it doesn't. We have been in the market for a 2016 or 2017 Ford Fusion Energi for a month or so. I use Cargurus.com and check the landscape. Probably a $6k price difference for a 2017 with ~20k miles. ...
by tibbitts
Sun Aug 12, 2018 12:31 am
Forum: Personal Finance (Not Investing)
Topic: How to have “what if” discussion with retired parents?
Replies: 48
Views: 4267

Re: How to have “what if” discussion with retired parents?

My parents are in their mid-70’s. No current financial concerns: • house is paid for • drawing SS • taking out RMD’s • not big spenders • Dad continues with a very part-time consulting business, to stay mentally active in his line of work • The vast majority of their assets are in individual stocks...
by tibbitts
Sat Aug 11, 2018 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Stable Income vs Bond Fund
Replies: 8
Views: 956

Re: Stable Income vs Bond Fund

I would not recommend trying to replicate an asset allocation in multiple accounts. It's complexity for no value. I don't mind complexity if I get something out it. Use the best accounts to implement the overall strategy. A 2% stable-value fund isn't great, but not terrible. Megacorp's is paying ab...
by tibbitts
Sat Aug 11, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Bulk file rename utility? (e.g. add prefix to all files in a directory)
Replies: 13
Views: 842

Re: Bulk file rename utility? (e.g. add prefix to all files in a directory)

That's what subdirectories/subfolders are for. The point of a hierarchical file system is to avoid needing to categorize things by naming conventions involving substrings in the file names. In the example, you could create a subfolder with the prefix name and move the files there. You still can ref...
by tibbitts
Sat Aug 11, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: Used Car Negotiation
Replies: 29
Views: 2619

Re: Used Car Negotiation

Most of the dealers in our area have changed to "no haggle" pricing. Sometimes it works, sometimes it doesn't. We have been in the market for a 2016 or 2017 Ford Fusion Energi for a month or so. I use Cargurus.com and check the landscape. Probably a $6k price difference for a 2017 with ~20k miles. ...
by tibbitts
Sat Aug 11, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: Bulk file rename utility? (e.g. add prefix to all files in a directory)
Replies: 13
Views: 842

Re: Bulk file rename utility? (e.g. add prefix to all files in a directory)

BusterMcTaco wrote:
Sat Aug 11, 2018 12:34 am
Shouldn't be too hard with a small C# program. Fun learning experience if you've never programmed before!
It's not too hard in any language you already know.
by tibbitts
Sat Aug 11, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 5979

Re: Paper checks yes or no?

I accept paper checks if they are free, because sometimes you have to give money to the elderly or to the government. But I have never paid for checks. I pay about $250/year now for my "free" checks and "free" safe deposit box. I need to work on that. That wasn't the case when interest rates were m...
by tibbitts
Sat Aug 11, 2018 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Sucking up to make more money?
Replies: 46
Views: 1965

Re: Sucking up to make more money?

I just have a very hard time sucking up, even if it will result in a pay increase. Anyone else feel the same? masonstone, You have a lousy attitude. You need a mental adjustment. Your job is to make your boss look good in front of his boss. So, what has this got to do with sucking up? KlangFool Tha...
by tibbitts
Sat Aug 11, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Should I pay 6000.00 to repair wife's car....
Replies: 77
Views: 4512

Re: Should I pay 6000.00 to repair wife's car....

Do not sell the car! It's already depreciated and is not that old and low mileage. Raise hell to have them fix it. Call/write VW and explain your issues in detail. Selling it and getting a new car is not economical. I would go on the VW forums and see if others are having the issue. https://forums....
by tibbitts
Fri Aug 10, 2018 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Air Conditioning? [How to finance?]
Replies: 76
Views: 4888

Re: Air Conditioning? [How to finance?]

I lived in a NY home for 35 years with no central A/C...thought to be too much of a luxury. A couple of well placed right-sized window units did the job. To me, if it's only a summer issue, central air is a bit much. It'll require regular maintenance and they don't last forever. I lived in upstate ...
by tibbitts
Thu Aug 09, 2018 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Excellent Vanguard Service!
Replies: 8
Views: 1706

Re: Excellent Vanguard Service!

Ditto. Had reason to speak to my Flagship rep lately. Was assigned a new one without any notice or fanfare, but had not spoken to last one. I actually reached him once without an appt, and on another day made appt, and he called me immediately instead of waiting on the appt date. Very helpful and a...
by tibbitts
Wed Aug 08, 2018 11:20 pm
Forum: Investing - Theory, News & General
Topic: Dividend Growth Investing--what's the attraction?
Replies: 12
Views: 1267

Re: Dividend Growth Investing--what's the attraction?

For fun, I recently joined a FB forum for Dividend fanatics, and was wondering what the lure is. Mind you, I'm not talking about the power of compounding dividends in general or fixed income for certain retirees. Most of these posters seem on the younger side and strictly invest in stocks, that see...
by tibbitts
Wed Aug 08, 2018 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Help negotiating!
Replies: 15
Views: 1207

Re: Help negotiating!

Not sure whether your handle is informative or not in this context. But just looking at nothing except the numbers in front of us, I would expect a much higher salary for the extra, extra commute. That's where the money is. Pushing for a higher signing bonus just telegraphs that you're not there fo...
by tibbitts
Wed Aug 08, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: What (simple) desktop to buy
Replies: 29
Views: 1239

Re: What (simple) desktop to buy

having worked for a computer manufacturer, I know a bit about hardware. I'd never purchase a computer from an electronics store, typically by definition, they are out of synch with the market in terms of price and performance. every computer I've purchased in the last 25 years has been from the del...
by tibbitts
Wed Aug 08, 2018 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: VGSIX any thoughts on adding it
Replies: 11
Views: 1000

Re: VGSIX any thoughts on adding it

grandpadan wrote:
Wed Aug 08, 2018 7:39 pm
Started the 3 fund portfolio...would like to add VGSIX (real estate index). What’s your thoughts on adding VGSIX as the 4th fund? The yield is more than VTSAX.
Real Estate is probably considered one of the most logical next places to go beyond three funds.
by tibbitts
Tue Aug 07, 2018 7:58 am
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 12694

Re: "Age in Bonds" fails almost everyone

This is an odd thread title since you haven't shown that 'age in bonds fails almost everyone' but that 'age in bonds does not agree with BlackRock, JP Morgan, and Vanguard's asset allocation models'. They're two different things. Even if we agreed that BlackRock, JP Morgan, and Vanguard's asset all...
by tibbitts
Mon Aug 06, 2018 7:55 pm
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 232
Views: 18891

Re: "Don't Obsess About Expense Ratios"

Probably some of the comments are justified - there would be a lot more enthusiasm if Vanguard had done this. But many of us also invest in very expensive active funds so tiny differences in expenses on index funds don't matter much at the relatively modest asset levels we have invested.
by tibbitts
Sun Aug 05, 2018 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: $100k Liquid, 21, no college education
Replies: 25
Views: 2435

Re: $100k Liquid, 21, no college education

[OT comment removed by admin LadyGeek] We are a residential summer program for high school students. Link was removed by the admin. (sorry if I'm not as familiar with rules regarding link posting as I should be; new here). Thank you all for the helpful responses. I'm considering going to college th...
by tibbitts
Sun Aug 05, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Why international?
Replies: 26
Views: 2077

Re: Why international?

I sleep very well at night having all my money in domestic equities - it's good enough for me. To keep this simple, having international exposure is simply a hedge against U.S. as a nation go bust. Is it a legit risk? Absolutely. How likely in you or my lifetime? Unlikely. Hence, in my world, it's ...
by tibbitts
Sun Aug 05, 2018 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Why international?
Replies: 26
Views: 2077

Re: Why international?

I looked at VGTSX (Vanguard Total International) vs VFINX (Vanguard S&P500) using the Backtest Portfolio tool and could not find any time period 5 years or longer where International performance exceeded domestic. In fact, International performance was outright lousy (relative to domestic) in all t...
by tibbitts
Sun Aug 05, 2018 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing to start consulting business
Replies: 3
Views: 223

Re: Preparing to start consulting business

I’ve made the decision to leave my current employer within the next 6 months to start a consulting business with a partner. I’m interest in suggestions on how to prepare myself financially for this transition. After I leave, I will be able to receive a paycheck for two more months due to accrued ti...
by tibbitts
Sun Aug 05, 2018 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: paying for college. work level options
Replies: 13
Views: 514

Re: paying for college. work level options

Hello all, As some of you may remember, I struggle with the idea of having me or my kids pay more for college (or anything for that matter) than is required. For those who are tired of reading my machinations, please forgive me and move on. Given my kids will be going to smallish private colleges, ...
by tibbitts
Sun Aug 05, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: Pricing a used car to sell
Replies: 27
Views: 1283

Re: Pricing a used car to sell

I took my old Corolla to CarMax and got lowballed. If you have a sub $5k car, people can pay cash. If your car is over $5k, it's more complicated because they'll want to finance it. If you post on Craigslist, be prepared for people to send you some zingers. I got the sense people saw my price and j...
by tibbitts
Sun Aug 05, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Question to retirees - money or work/life balance?
Replies: 46
Views: 5206

Re: Question to retirees - money or work/life balance?

Thanks everyone for the great responses. Young , Single and No kids - What else do you plan to spend the time on? Only partially kidding As I mentioned, books, sports, and pursuing a family. No luck yet in meeting the right person! At some point before too long you may have to choose between having...
by tibbitts
Sun Aug 05, 2018 9:14 am
Forum: Investing - Help with Personal Investments
Topic: VINEX international fund
Replies: 29
Views: 1549

Re: VINEX international fund

read thru the answers posted so far. The reason I looked at VINEX is because I am not impressed by VTIAX performance after taking into account taxes. I am trying to find an international fund that is around 7 percent return after taxes. I would like the diversification of having international stock...
by tibbitts
Sun Aug 05, 2018 8:34 am
Forum: Personal Finance (Not Investing)
Topic: "Skin in the game"
Replies: 105
Views: 6928

Re: "Skin in the game"

Mostly agree, but having some work experience/income before/during college (even if only outside the academic year) is important.
by tibbitts
Sun Aug 05, 2018 8:22 am
Forum: Investing - Help with Personal Investments
Topic: VINEX international fund
Replies: 29
Views: 1549

Re: VINEX international fund

so overall not impressed with VTIAX, i am trying to find an international fund on vanguard that does not have such anemic returns. came across VINEX, not the most tax efficient, high turnover but the return since inception has been better than vtiax, also around longer than vtiax so you know it can...
by tibbitts
Sat Aug 04, 2018 8:59 pm
Forum: Investing - Theory, News & General
Topic: holding bonds-why or why not?
Replies: 19
Views: 2170

Re: holding bonds-why or why not?

...assuming that the stocks are purchased at a sensible multiple of earnings relative to then-prevailing interest rates.
And the formula for that is ... ???
by tibbitts
Sat Aug 04, 2018 8:47 pm
Forum: Investing - Theory, News & General
Topic: How does one become a financial advisor?
Replies: 34
Views: 2262

Re: How does one become a financial advisor?

If you are a bogleheads disciple then it would be very hard to make a living as a financial advisor. They make their money from commission and actively managing a portfolio. There is no golden goose to make money from after you tell the client to buy 3 or 4 index funds and maybe rebalance once a ye...
by tibbitts
Sat Aug 04, 2018 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Trade 3.5% guaranteed for something else?
Replies: 14
Views: 1738

Re: Trade 3.5% guaranteed for something else?

Hi Nate - Is this relevant? It's kind of personal to disclose how I ended up with this account, but it is what it is. I'm happy to provide relevant details, so please do let me know if I'm leaving something important out of the story. The problem with not providing details is that everybody will fi...
by tibbitts
Sat Aug 04, 2018 9:59 am
Forum: Investing - Theory, News & General
Topic: How does one become a financial advisor?
Replies: 34
Views: 2262

Re: How does one become a financial advisor?

along the lines of being a boglehead, do you need a series 6, etc. to tell someone "hey you have vtsax and vtblx in your 401k, use that. and then put vtiax in your rIRA" and charge them lets say $100? If you aren't properly licensed it is illegal to charge, or accept chickens or goats, for financia...
by tibbitts
Sat Aug 04, 2018 9:57 am
Forum: Investing - Theory, News & General
Topic: How does one become a financial advisor?
Replies: 34
Views: 2262

Re: How does one become a financial advisor?

Interestingly, in Canada, there’s a difference between a financial advisor and a financial adviser . A financial adviser has a fiduciary duty towards their client (and is a regulated term), while a financial advisor is unregulated and doesn’t have any fiduciary duty. That's the most interesting pos...
by tibbitts
Sat Aug 04, 2018 9:00 am
Forum: Investing - Theory, News & General
Topic: 4% rule .. but when?
Replies: 35
Views: 4133

Re: 4% rule .. but when?

So person A retires at year 2007 with $1M. This person decides he can live with $40k/year Person B has the same $1M at year 2007. At year 2009, the stock market has crashed and and lost 50% value, so $500k are left. This person decides he can live with $20k/year You could argue that 100% stocks is ...
by tibbitts
Tue Jul 31, 2018 7:13 pm
Forum: Investing - Theory, News & General
Topic: Is schwab TSM index fund serving 2 masters?
Replies: 29
Views: 3129

Re: Is schwab TSM index fund serving 2 masters?

vu8 wrote:
Wed Jul 25, 2018 10:53 pm
Hi, I have a schwab IRA and I put money into SWTSX. Schwab total market index fund, copycat of VTSAX. Is schwab index fund intrinsically bad because “a servant can’t serve 2 masters”? Schwab is a public ally traded company. Is SWTSX inferior to vanguard TSM fundamentally?
No.
by tibbitts
Tue Jul 31, 2018 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard fund is best to tilt to SCV?
Replies: 16
Views: 1000

Re: Which Vanguard fund is best to tilt to SCV?

IMHO the best SCV mutual fund at Vanguard is actually Vanguard Tax-Managed Small-Cap Fund Admiral Shares (VTMSX): it has nearly the same size factor weight as VIOV, and nearly as much value factor weight as VSIAX. VTMSX isn't mandated to be an SCV fund, right? Does VTMSX have enough manager risk/fu...
by tibbitts
Tue Jul 31, 2018 7:55 am
Forum: Investing - Help with Personal Investments
Topic: What is "Vanguard select"
Replies: 7
Views: 1020

Re: What is "Vanguard select"

I have been working with someone at Vanguard for many years and I am very happy with him. I got an email from someone at Vanguard telling me I have been "chosen" to be a "vanguard select" customer and please email this person to set up a time for a call with my new "relationship adviser". To be hon...
by tibbitts
Sun Jul 29, 2018 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Air Conditioning? [How to finance?]
Replies: 76
Views: 4888

Re: Air Conditioning?

... sounds like the ducting is all there and you only need the evaporator coil inside and the condenser unit outside ... I live in Florida where every house has central AC, but is it save to assume that duct work designed only for central heat is adequate for central AC? I believe AC requires a lot...