Search found 7206 matches

by tibbitts
Thu Feb 22, 2018 2:09 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads.org" by Kristine Hayes"
Replies: 4
Views: 632

Re: "Bogleheads.org" by Kristine Hayes"

Entering any of the three abbreviations plus "personal finance" in a search engine such as Google provides results in an entire first page of results directly related to what those terms are. A wise man once said to learn how to fish. I once asked VG a question via email about my TSM account relate...
by tibbitts
Thu Feb 22, 2018 1:32 am
Forum: Investing - Help with Personal Investments
Topic: <gulp> Expensive mistake
Replies: 43
Views: 6062

Re: <gulp> Expensive mistake

About 10 months ago I took some really great recommendations from this board and simplified and reallocated my retirement savings. I got my 2017 TSP statement in the mail this weekend and kept trying to figure out if their printer colors were off or something because it showed a huge chunk of chang...
by tibbitts
Wed Feb 21, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 104
Views: 9053

Re: Single People and Retirement Question

I'm not sure why you think you need a partner. I've been single all my life, and I enjoy traveling by myself. It's a much better way to meet local people than if you're with someone or in a group. By meet people, I do not mean dating situations, but just getting to chat with folks. Plus you can do ...
by tibbitts
Wed Feb 21, 2018 12:09 pm
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 101
Views: 8516

Re: What if you only live off dividends?

There are not going to be too many cases where a 2.6% (2x what you are using and one that is 25% or so below historical worst cases) fails but a 1.3% one works. I think this is a really important point that many extremely conservative planning scenarios do not consider. I am all for being conservat...
by tibbitts
Wed Feb 21, 2018 12:20 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 104
Views: 9053

Re: Single People and Retirement Question

Most people have siblings, relatives, children, close friends and community involvement to help occupy their retirement. But for the single person in retirement without any of these contacts or doesn't care to be involved, who is going to take care of them in their advanced years or incapacitated c...
by tibbitts
Mon Feb 19, 2018 11:18 pm
Forum: Personal Consumer Issues
Topic: Seeking Cruise Suggestions
Replies: 36
Views: 2143

Re: Seeking Cruise Suggestions

I think it's important to differentiate between the small-ship adventure/activity cruises and the... well, traditional cruises on the big cruise lines. Really they're completely different experiences so we need to know which one to address.
by tibbitts
Mon Feb 19, 2018 8:22 pm
Forum: Personal Consumer Issues
Topic: Seeking Cruise Suggestions
Replies: 36
Views: 2143

Re: Seeking Cruise Suggestions

I'm not clear on what you're asking regarding value for the length of the cruise... you're looking for something like a week, a month, two months... ???
by tibbitts
Sun Feb 18, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 104
Views: 9053

Re: Single People and Retirement Question

mouses wrote:
Sun Feb 18, 2018 3:46 pm
Also, single older men can do things single older women can't, like travel to areas where the latter are not safe.
I would think there are only a very few places that would be safe for an older man but not an older woman.
by tibbitts
Sun Feb 18, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: Signed up for American Express - "Premium" car rental insurance
Replies: 46
Views: 2656

Re: Signed up for American Express - "Premium" car rental insurance

I use & recommend the AMEX Premium car rental insurance. The BIG difference is that AMEX Premium covers 'ANY' damage to bring the car to the condition when rented & theft. All the other cc car rental coverage covers 'collision' damage & theft, read the coverage details. Here are just a few tyes of ...
by tibbitts
Sun Feb 18, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: How long did it take you to get an official offer after clearing the interview process? Any delays?
Replies: 13
Views: 784

Re: How long did it take you to get an official offer after clearing the interview process? Any delays?

Curious because I have a verbal commitment for an offer since beginning of December with a highly reputable company, and from people I have a lot of respect for. They've regularly stayed on top of me citing major delays in HR, providing lots of detail on the situation each time. It's just taking so...
by tibbitts
Sun Feb 18, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Signed up for American Express - "Premium" car rental insurance
Replies: 46
Views: 2656

Re: Signed up for American Express - "Premium" car rental insurance

Just to add my experience with American Express. First, they offer rental car insurance without paying for it, just by using your amex to book the rental. We used this option a couple years ago when we rented a car in Hawaii. While parked in a parking lot, someone backed into the car and caused som...
by tibbitts
Sun Feb 18, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Signed up for American Express - "Premium" car rental insurance
Replies: 46
Views: 2656

Re: Signed up for American Express - "Premium" car rental insurance

I have used the American Express Premium Car Rental Insurance in the past and think it can be a good deal, particularly for relatively long rental periods (due to its flat rate). I had one claim two or three years ago - I backed into someone at a national park (having a ranger take an accident repo...
by tibbitts
Sun Feb 18, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Signed up for American Express - "Premium" car rental insurance
Replies: 46
Views: 2656

Re: Signed up for American Express - "Premium" car rental insurance

It's never clear what is covered or not. In the same documents, Chase says: The Auto Rental CDW benefit provides reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles. later, Covered losses are: • physical damage and/or theft of the covered rental veh...
by tibbitts
Sun Feb 18, 2018 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets or Total International Market?
Replies: 15
Views: 1015

Re: Emerging Markets or Total International Market?

You don't know what the future taxes will be in 30 yrs. So, Roth IRA is a great choice. Many believe they will be in the lower tax bracket. But maybe not. Then you are concerned about what fund may be better now. At your young age I believe a Target Dated Fund is best. Let the Pros at Vanguard, Fid...
by tibbitts
Sat Feb 17, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: Mixing fuel octanes for cars
Replies: 57
Views: 3489

Re: Mixing fuel octanes for cars

For context, my coworker is an engineer and will spend the time and energy to figure out the cost/benefit of every variable in his life to the nth degree to figure out its marginal utility. I'm on the side of saying he bought the wrong car if he cares that much about the savings from mixing fuel. I...
by tibbitts
Sat Feb 17, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Working for a MegaCorp vs a Small Business
Replies: 19
Views: 1288

Re: Working for a MegaCorp vs a Small Business

In another thread I’ve seen a number of people bemoaning how soul crushing it is to work for a MegaCorp. Working for a small firm of about 60 people that surprised me. To work for a nationally known company just strikes me as so exciting. Love my firm but sometimes things can get a little loosey go...
by tibbitts
Sat Feb 17, 2018 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Going from non-admiral funds to admiral
Replies: 14
Views: 1285

Re: Going from non-admiral funds to admiral

I just did this with my account but the Vanguard representative had me sell and rebuy to get to Admiral shares for my Roth. Is there a problem with this vs. converting with the Admiral button? That makes no sense. Is this the mutual fund or brokerage platform? Sometimes I think it will take a decad...
by tibbitts
Sat Feb 17, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: HR Block vs Turbo Tax to compare to accountant?
Replies: 7
Views: 423

Re: HR Block vs Turbo Tax to compare to accountant?

I'm planning to do my taxes myself next year and want to use this year to do a comparison with my accountant's work. I have one rental property and invest using the three-fund portfolio. A couple of other small complications but not much. Can I use HR Block's online tool to do the comparison or sho...
by tibbitts
Mon Feb 12, 2018 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: What are the chances of corrected 1099s?
Replies: 19
Views: 1207

Re: What are the chances of corrected 1099s?

I just got my 1099s this afternoon from Vanguard. Every year on this forum, there are a number of threads about corrected 1099s. Many of them relate to the inconvenience of receiving corrected 1099s after you've already filed your return. What do you think the chances are that Vanguard will issue c...
by tibbitts
Mon Feb 12, 2018 8:58 am
Forum: Investing - Help with Personal Investments
Topic: IRA Roth conversion in Mutual Fund account and 1099
Replies: 3
Views: 247

Re: IRA Roth conversion in Mutual Fund account and 1099

You are way overthinking this. What is a rollover and what is not a rollover is basically meaningless. There is not a global definition of "rollover", and being a rollover does not determine how it is taxed or reported. Things are rollovers because some random clause of the tax code says they are. ...
by tibbitts
Sun Feb 11, 2018 4:16 pm
Forum: Investing - Theory, News & General
Topic: How does one emotionally keep it together during market swings?
Replies: 70
Views: 4109

Re: How does one emotionally keep it together during market swings?

GrayS26 wrote:
Sun Feb 11, 2018 3:59 pm
thanks
That's not the question you intended to ask. You want to know about market downturns, not market swings.
by tibbitts
Sun Feb 11, 2018 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Roth conversion in Mutual Fund account and 1099
Replies: 3
Views: 247

IRA Roth conversion in Mutual Fund account and 1099

Last year I did my annual $10k Roth conversion by phone, and the VG rep told me she had a choice on her web interface that I wouldn't have regarding specifying that the withdraw was a rollover. My 1099 box 7 is "02" - exception applies. Can anyone who's done the conversion online in a mutual fund (n...
by tibbitts
Sun Feb 11, 2018 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley Income performance
Replies: 16
Views: 2000

Re: Wellesley Income performance

If someone believes, against everything Mr. Bogle and most other knowledgeable financial expert says, that Wellington Management has some magical knowledge that will outperform the market for the rest of your life, then you can avoid the drag of bond declines by simply buying Equity Income (managed...
by tibbitts
Sun Feb 11, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Legal Docs
Replies: 16
Views: 1303

Re: Legal Docs

I am a retired attorney, but I didn't practice in the estate area. I am very frugal. I still paid attorneys at least three times to prepare wills and associated documents. Each time, I learned more about what I didn't previously know. Using an attorney familiar with your state's laws is particularl...
by tibbitts
Sun Feb 11, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Flat tire replacement
Replies: 26
Views: 1280

Re: Flat tire replacement

At the risk of having all the physics PhDs hanging around at Bogleheads hijack the thread, wouldn't a small difference in air pressure mean as much as 1/32nd in tread depth?
by tibbitts
Sun Feb 11, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: Flat tire replacement
Replies: 26
Views: 1280

Re: Flat tire replacement

Assuming the car is disabled and at your mechanic now, I would let the mechanic deal with all this for you. If he doesn't know everything you've learned here and by calling around, you need a different mechanic. If the car isn't disabled, why would have have a tire store deliver a tire to your mech...
by tibbitts
Sun Feb 11, 2018 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Convert to Roth IRA now or wait?
Replies: 6
Views: 401

Re: Convert to Roth IRA now or wait?

retiredjg wrote: Whatever you convert will be taxed at your marginal tax rate which is often the same as your tax bracket. If you are still working, you may be at your highest tax rate ever - very bad time to convert. . . . There is really no way to answer your question with the information provide...
by tibbitts
Sun Feb 11, 2018 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Unwise for High-Earner to Contribute to Traditional IRA?
Replies: 20
Views: 1622

Re: Unwise for High-Earner to Contribute to Traditional IRA?

... Speaking as someone who contributed to a non-deductible traditional IRA during just a few good years... if you do that, just kill yourself now, so you can avoid the curse of a lifetime of 8606 filings. ... Wow :shock: :shock: :shock: Why the harshness on keeping track of your after-tax basis in...
by tibbitts
Sun Feb 11, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Family expecting “comps”
Replies: 38
Views: 4718

Re: Family expecting “comps”

I don't understand the giving extra idea. If you're buying bananas, there are only so many bananas you can eat before they go bad. Even if you're buying hardware, if you end up with with 50% more nuts and bolts than you need, that's not useful. Since you get a discount at their business maybe you sh...
by tibbitts
Sat Feb 10, 2018 3:44 pm
Forum: Investing - Theory, News & General
Topic: Active v. passive during corrections
Replies: 21
Views: 1921

Re: Active v. passive during corrections

I know this is a very small sample size (1 day), but ... Yesterday the U.S. indices dropped around 4%. My actively managed pure U.S. large cap stock VG fund dropped around 2%. Does this demonstrate that there can indeed be a real benefit to active management during the darker days of investing? Wha...
by tibbitts
Sat Feb 10, 2018 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Unwise for High-Earner to Contribute to Traditional IRA?
Replies: 20
Views: 1622

Re: Unwise for High-Earner to Contribute to Traditional IRA?

I earn too much to contribute directly to a Roth IRA, don't want to do a backdoor Roth IRA, and earn too much to deduct anything from making a Traditional IRA contribution. I do max out my 401k though and contribute around $175k to $250k a year to a taxable account. Given the foregoing, does it mak...
by tibbitts
Sat Feb 10, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Dropping comprehensive/collision auto insurance - implications with rentals?
Replies: 23
Views: 1228

Re: Dropping comprehensive/collision auto insurance - implications with rentals?

Your credit card is primary for any collision damage so nothing else matters; your insurance is not involved. I've had rental car losses and the card company (it wasn't a Chase, but still) just deals with it. There can be some losses a card won't cover (you hit a pothole, lose a wheel cover.) Oh wel...
by tibbitts
Sat Feb 10, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Flat tire replacement
Replies: 26
Views: 1280

Re: Flat tire replacement

So after calling around a lot...here's what I found. Much of this info. has already been stated. Since my car is an AWD, if I just buy one tire, it needs to match the tread depth of the other tires. So I went out this afternoon and got the tread depth measured. The two front tires are 8/32, the two...
by tibbitts
Sat Feb 10, 2018 3:02 pm
Forum: Personal Consumer Issues
Topic: Flat tire replacement
Replies: 26
Views: 1280

Re: Flat tire replacement

So after calling around a lot...here's what I found. Much of this info. has already been stated. Since my car is an AWD, if I just buy one tire, it needs to match the tread depth of the other tires. So I went out this afternoon and got the tread depth measured. The two front tires are 8/32, the two...
by tibbitts
Sat Feb 10, 2018 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley Income performance
Replies: 16
Views: 2000

Re: Wellesley Income performance

Wellesley Income on a YTD basis is -3% versus -2% SP500. I know duration/ average maturity is longer (6/9) but is the energy overweight causing this massive underperformance (92% percentile) I guess you've missed all the posts about Wellington and Wellesley having magic sauce and how they protect y...
by tibbitts
Sat Feb 10, 2018 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Wellington Fund: where is the special sauce?
Replies: 18
Views: 2315

Re: Wellington Fund: where is the special sauce?

I wonder why I hold the Wellington fund because it underperforms its comparable index according to Vanguard’s website and has also performed worse than the S&P 500 index during the down market in 2018. Pretty hard for Wellington to do that given it has 35% in bonds. I will either take the 30% of my...
by tibbitts
Sat Feb 10, 2018 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: your assets - now verses end of year?
Replies: 38
Views: 2383

Re: your assets - now verses end of year?

Here we are at the weekend. All prices posted. I did an overall view of my assets. I am down $2286 from my end of the year figures. Wanted to see if I was maintaining over the 2 comma club which I had just entered in October or if I was backsliding. As it sits now, we have all lost about 6 weeks on...
by tibbitts
Sat Feb 10, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Flat tire replacement
Replies: 26
Views: 1280

Re: Flat tire replacement

What's the date on the tire? -- sidewall has a code that tells you. If they are old, replace all 4. If not, replace the one. That's good advice. "Old" varies, partly depending on storage, but maybe five to six years or more replace all four. Also consider if you want the same tires the next time ar...
by tibbitts
Sat Feb 10, 2018 11:36 am
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 104
Views: 7540

Re: Tips on Buying a Class-B RV

Congrats WoodSpinner! Please keep us posted as you take delivery and start to travel. The PleasureWay (Lexor) would be my choice if it were not for the bed length that bothers my husband. From all of our research, I think PW is a much higher quality than the Roadtrek you considered (we actually vis...
by tibbitts
Sat Feb 10, 2018 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Is Rental Property/Income Same as Bonds
Replies: 38
Views: 2004

Re: Is Rental Property/Income Same as Bonds

The problem with rental property is the difficulty of investing in it through a simple financial instrument. Bonds are difficult to invest in individually (treasuries are not entirely an exception, but are easier to invest in than other bonds) but easy to buy in the form of a fund. Real estate is si...
by tibbitts
Sat Feb 10, 2018 12:00 am
Forum: Investing - Help with Personal Investments
Topic: Use of professional financial advisor for portion of assets
Replies: 5
Views: 469

Re: Use of professional financial advisor for portion of assets

Thoughts on using professional financial advisor for a portion of assets, for example, to establish and maintain a corporate bond ladder (not fund)? I’ve seen annual fees for this run from 0.4 to 1% of assets managed. I can't imagine how this would pay off. I'd think that to make up for the expense...
by tibbitts
Fri Feb 09, 2018 10:49 pm
Forum: Investing - Theory, News & General
Topic: % VINEX to VTIAX?
Replies: 4
Views: 386

Re: % VINEX to VTIAX?

I would say 0 Vanguard International Explorer (VINEX) unless you can offhand write here at least a paragraph or two about the fund subadvisors and the investment process, and why you think they will do well going forward, or similarly for international mid/small growth more generally. That's a nece...
by tibbitts
Thu Feb 08, 2018 10:51 pm
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 104
Views: 7540

Re: Tips on Buying a Class-B RV

Agreed, I looked at a dually with 7000 lb of payload but passed because of width and handling. The modern SRWs have plenty of payload for a basic single slide TC. these TCs all have powered jacks so taking them off and on is pretty easy. Yes those powered jacks are a must and must be a huge help, b...
by tibbitts
Wed Feb 07, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 104
Views: 7540

Re: Tips on Buying a Class-B RV

Definitely would consider a truck camper over a class B. Full ton SRW can hold almost 4000 lb of payload which allows for a good size TC. True 4WD in an $80k package vs these Class B for $50k more. There are definite but different advantages to both a B and a TC, but I'd be very reluctant to go for...
by tibbitts
Wed Feb 07, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 104
Views: 7540

Re: Tips on Buying a Class-B RV

As Sandtrap and others have mentioned, B's usually have low clearance. No problem on roads, but my brother sold his after 6 months because it couldn't handle the back roads they like to use to get to their favorite camping spots. They were convinced after a trip last summer to Glacier and Banff and...
by tibbitts
Wed Feb 07, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 104
Views: 7540

Re: Tips on Buying a Class-B RV

My husband and I have been researching RVs for a couple of years now, planning for what was - at the time we started looking - impending retirement. We are now retired (a month in) and are still uncertain between a B, B+, travel trailer, A class ..... or a Toyota Highland Hybrid and hotels (with a ...
by tibbitts
Wed Feb 07, 2018 1:04 am
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 104
Views: 7540

Re: Tips on Buying a Class-B RV

As Sandtrap and others have mentioned, B's usually have low clearance. No problem on roads, but my brother sold his after 6 months because it couldn't handle the back roads they like to use to get to their favorite camping spots. They were convinced after a trip last summer to Glacier and Banff and...
by tibbitts
Tue Feb 06, 2018 8:24 pm
Forum: Personal Consumer Issues
Topic: Want a Safe Car, Feel Guilty
Replies: 72
Views: 5172

Re: Want a Safe Car, Feel Guilty

Well, the Sienna van's Toyota Mobility access seat pretty much solves the problem for one old person. The second old person would require adding a similar aftermarket front passenger seat, I believe that's an additional $10k or so.
by tibbitts
Mon Feb 05, 2018 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Why did BND drop with no interest rate increase and what's in store short term?
Replies: 19
Views: 2040

Re: Why did BND drop with no interest rate increase and what's in store short term?

I'm wondering why total bond index fell so much lately even though the fed didn't raise rates? Iv heard expectations are priced in, but wasn't it predicted rates would remain unchanged? Also.. Will total bond bounce back a little in your opinion before the next hike end of march? Then drop again? I...
by tibbitts
Sun Feb 04, 2018 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 13565

Re: Retired at 50. Staying 100% in stock Index Funds. Anyone else?

Now, given the relatively conservative draw (3%) and the fact there is some SS in the future, fearless will *likely* still be okay. But looking at this example, can you see how somebody younger than 65 *might* want a significant % of bonds?? 3% withdrawal rate is incredibly conservative. For 40 yea...