Search found 7764 matches

by tibbitts
Sat Aug 18, 2018 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: contract to FTE - what to ask?
Replies: 10
Views: 413

Re: contract to FTE - what to ask?

We have no way to know if your current hourly rate was adequate. $120K -$130K seems like a stretch unless you were grossly underpaid at $70K/hour. The only way to know what a good salary would be. Is to do a comparative analysis in your area for someone with your knowledge, skills and experience. W...
by tibbitts
Sat Aug 18, 2018 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: How to Treat "Negative" Basis in Nondeductible IRA
Replies: 40
Views: 1432

Re: How to Treat "Negative" Basis in Nondeductible IRA

I didn't think it's possible to have negative basis in an IRA. It's interesting that we have two kinds of posts: half of Bogleheads say making non-deducible contributions and dealing with form 8606 is a like having your wisdom teeth removed every year - a curse you pass down to future generations. ...
by tibbitts
Sat Aug 18, 2018 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Apartment Decision After Divorce- Please evaluate my thinking
Replies: 24
Views: 1789

Re: Apartment Decision After Divorce- Please evaluate my thinking

If you have shared custody why aren’t you looking at 2 bedroom units? I’m assuming you will be there at least a year and if your child is going to be spending nights at your place it will be good for him/her to have his/her own room. Maybe it's a matter of cost. The child could sleep in the living ...
by tibbitts
Sat Aug 18, 2018 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Apartment Decision After Divorce- Please evaluate my thinking
Replies: 24
Views: 1789

Re: Apartment Decision After Divorce- Please evaluate my thinking

I missed the 4-5 floor part. Is this a concrete building? Ask if they have two open apartments one on top of the other so you can test the noise. Sometimes noise is adjacent apartments. Once lived on second floor of two story building and the walls were thin. Two single women lived in adjacent apar...
by tibbitts
Sat Aug 18, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: oil pan threads stripped - pan saver okay?
Replies: 33
Views: 1759

Re: oil pan threads stripped - pan saver okay?

Hello all, during the previous oil change for my 10yr old 100K mileage Dodge I was told they had to use a pan saver to plug the oil pan drain due to the threads being stripped. Estimate to replace the oil pan is somewhere in the $1000 range due to 5 hours of labor. My questions: 1) What is the risk...
by tibbitts
Sat Aug 18, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Apartment Decision After Divorce- Please evaluate my thinking
Replies: 24
Views: 1789

Re: Apartment Decision After Divorce- Please evaluate my thinking

I missed the 4-5 floor part. Is this a concrete building? Ask if they have two open apartments one on top of the other so you can test the noise.
by tibbitts
Sat Aug 18, 2018 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Apartment Decision After Divorce- Please evaluate my thinking
Replies: 24
Views: 1789

Re: Apartment Decision After Divorce- Please evaluate my thinking

Thank you DM. I like as much peace and quiet as possible. I am afraid of getting a neighbor that walks around a lot at odd hours, kids running around, etc. I could manage with a little noise (and I know that I will have to moving into an apartment) and will probably get used to it, but my preferenc...
by tibbitts
Sat Aug 18, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: oil pan threads stripped - pan saver okay?
Replies: 33
Views: 1759

Re: oil pan threads stripped - pan saver okay?

Wow, replacing the pan for this seems way overkill. I mean, it's just a threaded hole... I would look at using something like a helicoil, an insert made for repairing stripped threads. Probably something you can do if you do home DIY, but something a garage should be able to do as well for much les...
by tibbitts
Sat Aug 18, 2018 3:35 pm
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 85
Views: 6499

Re: Remind me (again) how real estate isn't a GREAT investment?

Passive RE investment means passive indexed REITs . Anything else means you have a new job or have new hassles. Schwab US REIT ETF's (SCHH) SEC Yield is 3.51%. Assume USD inflation at 2% so a 1.5% expected real return. Since USA domiciled equities have an expected real return of 1-3% and non-USA do...
by tibbitts
Sat Aug 18, 2018 3:22 pm
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 85
Views: 6499

Re: Remind me (again) how real estate isn't a GREAT investment?

You have to recognize that RE investing and being a landlord is such an anecdotal experience. You can look at statistics and percentages all day long, but at the end of the day you'll be reading these glowing posts and putting yourself in that situation. Any negative examples that you read and you ...
by tibbitts
Sat Aug 18, 2018 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 63
Views: 7564

Re: Teachers Who Have Net Worth of $1 million +

As a retired teacher, I'm interested in hearing from my fellow Life-Giving Educators who were able to devote their lives to teaching, invest over time, may have started side businesses, and have amassed over $1 million net. How did you do it? Perhaps share your net worth as a testament to other you...
by tibbitts
Sat Aug 18, 2018 11:18 am
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 85
Views: 6499

Re: Remind me (again) how real estate isn't a GREAT investment?

My life can't really spare time or effort right now, so I'd have to hire a maintenance company for a cost. If I was a tenant in my own little 1600sq ft. house that I was renting from you, I would have called your maintenance company about seventeen times so far this year, wiping out the entire amou...
by tibbitts
Sat Aug 18, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Reckless driving ticket in VA-Help!
Replies: 38
Views: 3201

Re: Reckless driving ticket in VA-Help!

Wow. Bogleheads has many valuable posts with helpful advice. And this post, too.
by tibbitts
Sat Aug 18, 2018 8:23 am
Forum: Personal Finance (Not Investing)
Topic: One more reason for Fidelity Visa
Replies: 13
Views: 2455

Re: One more reason for Fidelity Visa

The 2% unlimited cash back is great and hard to beat unless you dance around very targeted promotions for narrow spends like groceries, gas etc. In addition to that, I found a little nugget looking through their fine print. I always refuse Loss Damage Waiver offered by rental car companies at $15-$...
by tibbitts
Sat Aug 18, 2018 8:02 am
Forum: Personal Finance (Not Investing)
Topic: How to Treat "Negative" Basis in Nondeductible IRA
Replies: 40
Views: 1432

Re: How to Treat "Negative" Basis in Nondeductible IRA

I didn't think it's possible to have negative basis in an IRA. It's interesting that we have two kinds of posts: half of Bogleheads say making non-deducible contributions and dealing with form 8606 is a like having your wisdom teeth removed every year - a curse you pass down to future generations. T...
by tibbitts
Sat Aug 18, 2018 7:13 am
Forum: Investing - Theory, News & General
Topic: Vanguard predicts 10 year equity returns
Replies: 51
Views: 5171

Re: Vanguard predicts 10 year equity returns

just listened to yesterdays clark howard podcast where he talked about vanguards predictions of annual equity returns for the next 10 years. i don't know if this is on their website or not. insert appropriate caveats... domestic 3%-4% international 6%-7% They're predicting international will turn t...
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: 538
Views: 31273

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: 2032

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: 538
Views: 31273

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: 538
Views: 31273

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: 538
Views: 31273

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: 538
Views: 31273

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: 23
Views: 2411

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: 3611

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: 4337

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: 37
Views: 3207

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: 6203

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: 6203

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: 2605

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: 2663

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: 4337

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: 973

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: 861

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: 2663

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: 861

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: 6203

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: 1986

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: 4553

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: 4912

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: 1721

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: 1278

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: 1220

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: 1255

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: 1012

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: 12808

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: 240
Views: 19967

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: 2446

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: 2093

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: 2093

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: 227

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...