Search found 7646 matches

by tibbitts
Wed Jul 18, 2018 7:55 am
Forum: Personal Consumer Issues
Topic: 35 minute connection for flight, long enough?
Replies: 58
Views: 2553

Re: 35 minute connection for flight, long enough?

No, not long enough. 90 minutes is what I try for ideally. I have chosen 3hrs over 35min.
by tibbitts
Tue Jul 17, 2018 10:15 pm
Forum: Investing - Theory, News & General
Topic: Decrease International Growth Fund Admiral and buy Total International Stock Index Adm
Replies: 10
Views: 807

Re: Decrease International Growth Fund Admiral and buy Total International Stock Index Adm

Called for the annual checkup with Vanguard Flagship services. First time for me. :D All went well, representative professional albeit disappointed I didn't agree to have him maintain my account and asked, "why not"? I said, cause...: happy Anyway, the big change they suggested was to decrease my I...
by tibbitts
Tue Jul 17, 2018 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Hiring Parents as Household Employee
Replies: 4
Views: 1047

Re: Hiring Parents as Household Employee

This seems like a lot of potential trouble. What's the upside to doing this?
by tibbitts
Tue Jul 17, 2018 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Heresy: Is It Worth Converting tIRAs to Roth?
Replies: 28
Views: 2250

Re: Heresy: Is It Worth Converting tIRAs to Roth?

rkhusky wrote:
Tue Jul 17, 2018 7:53 pm
I wouldn’t convert in 24% bracket if you will be in that bracket or higher in retirement.
Did you mean higher or lower? I might convert if I knew future taxes would be at a higher rate.
by tibbitts
Tue Jul 17, 2018 7:20 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement
Replies: 44
Views: 3321

Re: New Vanguard Security Code Requirement

gmaynardkrebs wrote:
Tue Jul 17, 2018 3:29 pm
I don't like this, because I won't be able to use the aggregator on the Vanguard website (Yodlee).
Vanguard says Yodlee won't be affected when you're using it through Vanguard - that should be fairly easy for Yodlee to accomplish.
by tibbitts
Tue Jul 17, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: Alaska Trip/Cruise Summer of 2020. Help me plan
Replies: 23
Views: 1443

Re: Alaska Trip/Cruise Summer of 2020. Help me plan

Wife and I will be celebrating 30 years of her putting up with me. We would like to see as much as we can over a 2 week period. No set schedule or time of year to travel as we are both retired. No physical restrictions besides a little Arthritis in the knees. Not interested in climbing mountains bu...
by tibbitts
Sun Jul 15, 2018 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: GE Pension distribution questions
Replies: 6
Views: 826

Re: GE Pension distribution questions

If you have after-tax amounts, then you should be able to roll that into a Roth. That being said, this isn't very familiar territory for me. I'd wait to hear back on the details. Yes, I have emailed them to ask. It seems like a contradiction that the provided document suggests rolling to two type o...
by tibbitts
Sun Jul 15, 2018 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 107
Views: 12424

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

For the people that use LastPass, Fastpass and the like, aren't you afraid of it getting hacked? That is what keeps me from using one. I write everything on paper, but in a way that is senseless to someone if stolen. My husband just isn't interested in finance and doesn't seem to think he needs to ...
by tibbitts
Sun Jul 15, 2018 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: All-In VTSAX
Replies: 37
Views: 3819

Re: All-In VTSAX

What is the reasoning behind this? Do you feel that VTSAX will outperform international stocks going forward? I'd say (ironically enough) that getting rid of EM and developed international stocks is acceptable from a Jack Bogle standpoint, but not really from a Bogleheads standpoint, since you are ...
by tibbitts
Sun Jul 15, 2018 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: GE Pension distribution questions
Replies: 6
Views: 826

Re: GE Pension distribution questions

The rollovers should not affect your contribution limit. When the company my husband works for terminated their pension program, there were two separate figures--one pre-tax and one after-tax. We specifically knew what those two separate figures were. And, so called the company we were transferring...
by tibbitts
Sun Jul 15, 2018 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Are Credit Cards Actually Convenient?
Replies: 65
Views: 3652

Re: Are Credit Cards Actually Convenient?

Nobody would use credit cards if they had as much trouble as described, so something must be unique about that situation.
by tibbitts
Sun Jul 15, 2018 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: How to apply safe withdraw rule?
Replies: 5
Views: 702

Re: How to apply safe withdraw rule?

Both my wife and I retired about 6 months ago and we are just looking into the withdraw rule. My wife's conclusion is ~2.5%, citing a Morningstar article which she adopted to be on the conservative side in terms of length of retirement period until death and future equity return. Well, I think the ...
by tibbitts
Sun Jul 15, 2018 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: GE Pension distribution questions
Replies: 6
Views: 826

Re: GE Pension distribution questions

Rollovers never have anything to do with the contribution limit. Any time you have an eligible rollover distribution, and pension lump sums generally are, you can roll them to traditional or Roth IRAs. In the latter case, you'd owe tax on the pretax amount. It almost sounds like you have some after...
by tibbitts
Sun Jul 15, 2018 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: All-In VTSAX
Replies: 37
Views: 3819

Re: All-In VTSAX

You aren't really asking for "thoughts" when you proclaim "there's no need for Int'l" - you're making a statement and wanting people to agree. If you only want simplicity just go with VTWSX or VT(Vanguard Total World). It sounds like you have recency bias and a crystal ball so all good with VTSAX. ...
by tibbitts
Sun Jul 15, 2018 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: All-In VTSAX
Replies: 37
Views: 3819

Re: All-In VTSAX

What is the reasoning behind this? Do you feel that VTSAX will outperform international stocks going forward? I'd say (ironically enough) that getting rid of EM and developed international stocks is acceptable from a Jack Bogle standpoint, but not really from a Bogleheads standpoint, since you are ...
by tibbitts
Sun Jul 15, 2018 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: All-In VTSAX
Replies: 37
Views: 3819

Re: All-In VTSAX

HI BH friends, Thinking about getting rid of IEMG and VEA and all-in VTSAX . This is for retirement fund. I am asking for advice if getting rid of emerging market and international are acceptable from boglehead investment style? i.e, I am trying to consolidate more and more into 2 Fund portfolio. T...
by tibbitts
Sun Jul 15, 2018 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: GE Pension distribution questions
Replies: 6
Views: 826

GE Pension distribution questions

Having recently passed age 59.5, I'd like to close out my non-vested GE pension account, simply because it's a small amount and just annoying - yet another account to deal with. It will never have a high enough balance to allow annuity payments (which would require a minimum $5000 balance.) I'm wond...
by tibbitts
Sun Jul 15, 2018 11:33 am
Forum: Investing - Theory, News & General
Topic: Change in Flagship Rep Service ?
Replies: 21
Views: 2225

Re: Change in Flagship Rep Service ?

Bob - I have the same type account as you and I see his name and number, but not a photo on the overview page. I do not have an active brokerage account. Had one 16 years ago but got out of those funds. You'll have a brokerage account again eventually, whether you want one or not, as the migration ...
by tibbitts
Sun Jul 15, 2018 11:05 am
Forum: Investing - Theory, News & General
Topic: Change in Flagship Rep Service ?
Replies: 21
Views: 2225

Re: Change in Flagship Rep Service ?

I am finding it curious that different folks are finding different things on their Overview page regarding representatives, pie charts, etc. I am wondering it the difference might be in the type of account. I still have the older mutual fund account and have not had it upgraded to the brokerage acc...
by tibbitts
Sat Jul 14, 2018 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation for New Position
Replies: 25
Views: 2098

Re: Salary Negotiation for New Position

I think you're missing the point here when you keep using the phrase "loss" of salary. She will simply earn less because she'll work less. What would happen at your employer if you said you wanted to work one day less a week but still be paid the same, because you're old and tired and don't want to ...
by tibbitts
Sat Jul 14, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 141
Views: 12107

Re: Early retirement

Oh yes. I'm planning on becoming financially independent and will likely retire between the ages of 50-55, and when I've mentioned that to people, I've received a variety of responses. These range from "That's awesome!" to "What will you do every day?" It's not too shocking to most people to hear o...
by tibbitts
Sat Jul 14, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: Someone is using my cellphone number
Replies: 21
Views: 2774

Re: Someone is using my cellphone number

It's likely someone gave the wrong cell phone number when they ordered at best buy. I wouldn't be too worried about. If you don't shop best buy, feel free to block the number. I also wouldn't be upset at best buy for not being able to remove your phone number. Would you want to be customer to a bus...
by tibbitts
Thu Jul 12, 2018 10:56 pm
Forum: Personal Consumer Issues
Topic: Advice on IT Certification program
Replies: 93
Views: 3666

Re: Advice on IT Certification program

Networking is yesterday’s field (I should know, I work for Cisco). Today’s (and tomorrow’s) field is cybersecurity. Look up job descriptions for a Tier 1 SOC [Security Operations Center] Analyst, and advise your son to make that his goal. There is a huge shortage of cybersecurity expertise right no...
by tibbitts
Thu Jul 12, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: Advice on IT Certification program
Replies: 93
Views: 3666

Re: Advice on IT Certification program

You might ask the school what percentage of students completing this program obtain each of the certifications mentioned. Good suggestion. I also will have Kid see if there are any jobs in the field listed at the school’s career center. I think the certificate from completing the courses would not ...
by tibbitts
Thu Jul 12, 2018 9:23 pm
Forum: Personal Consumer Issues
Topic: Advice on IT Certification program
Replies: 93
Views: 3666

Re: Advice on IT Certification program

but its hard to get past HR/initial resume screenings with self taught skills alone audioaxes, Don't go through the HR. KlangFool But if you are trying to break into a field in which you have minimal contacts, you’ll need to deal with HR. HR is useless. I don't know anyone who has gotten a job by s...
by tibbitts
Thu Jul 12, 2018 8:58 pm
Forum: Personal Consumer Issues
Topic: Advice on IT Certification program
Replies: 93
Views: 3666

Re: Advice on IT Certification program

You might ask the school what percentage of students completing this program obtain each of the certifications mentioned.
by tibbitts
Wed Jul 11, 2018 7:48 am
Forum: Personal Consumer Issues
Topic: Should I contact GMC about A/C issues?
Replies: 42
Views: 1900

Re: Should I contact GMC about A/C issues?

When it comes to quality, Honda is light years ahead of GM I believe all vehicles are much higher quality than they were years ago, and there is less difference now between brands, so it's inaccurate to say anybody is "light years ahead" of anybody else. But since you mentioned it specifically Hond...
by tibbitts
Tue Jul 10, 2018 10:04 pm
Forum: Personal Consumer Issues
Topic: Should I contact GMC about A/C issues?
Replies: 42
Views: 1900

Re: Should I contact GMC about A/C issues?

...if GMC would step up to the plate and fix the parts I might consider another GM vehicle. I learned my lesson many years ago. Why do people keep buying these unreliable cars when they could buy a Honda, Toyota or Subaru? I don't get it at all. You get what you deserve for not doing your homework....
by tibbitts
Tue Jul 10, 2018 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Car totaled by uninsured driver
Replies: 37
Views: 3392

Re: Car totaled by uninsured driver

I never even heard of a $2k deductible. Why have it so high? I remember doing a comparison between $500 vs $250 deduct...it was peanuts, so I went with the $250 deduct. High? I thought Bogleheads never carry collision insurance because they only insure what they can't afford to lose? So probably no...
by tibbitts
Mon Jul 09, 2018 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: Want to diversify account held in my name [inherited Canadian stock]
Replies: 8
Views: 385

Re: Want to diversify account held in my name [inherited Canadian stock]

I'd suggest investigating the legal and accounting aspects of this account carefully before doing anything with it.
by tibbitts
Mon Jul 09, 2018 7:55 am
Forum: Investing - Theory, News & General
Topic: Girls and investing
Replies: 115
Views: 5605

Re: Girls and investing

There is another count of age: father teaching a 7 year old son. But I gather from the multiple posts from the group that age is really child dependent. I got it. Got the point! ---- Now switching gear a bit. Folks have been mentioning that you need money to invest. Saving is the way to go. But wha...
by tibbitts
Sun Jul 08, 2018 10:36 pm
Forum: Personal Consumer Issues
Topic: How come voice command on Garmin GPS is so lousy compared to Google Maps?
Replies: 22
Views: 1574

Re: How come voice command on Garmin GPS is so lousy compared to Google Maps?

Just curious why a big, wealthy, international organization like Garmin, who depend entirely on GPS products that customers have to buy, can't figure out how to do voice command that works as well as a GPS product that is free. Maybe someone knows the answer to this. Hey Garmin: are you listening? ...
by tibbitts
Sun Jul 08, 2018 10:01 pm
Forum: Investing - Theory, News & General
Topic: Morningstar: prepare for a lost decade for U.S. stocks
Replies: 198
Views: 18044

Re: Morningstar: prepare for a lost decade for U.S. stocks

rick2427 wrote:
Sun Jul 08, 2018 9:53 pm
I thought we already had a lost decade in US markets from 2000-2009. :(
We did. I guess we get a second one now.
by tibbitts
Sun Jul 08, 2018 10:00 pm
Forum: Investing - Theory, News & General
Topic: Morningstar: prepare for a lost decade for U.S. stocks
Replies: 198
Views: 18044

Re: Morningstar: prepare for a lost decade for U.S. stocks

Invest in real estate. If your property values go up 10% or go down 10%, you won't care since your 10-15% dividend in the form of rental income flows in like a fine brandy 8-) Would it be 10-15% income if everyone tried doing that? I don't understand your question. That is a decent return on cash t...
by tibbitts
Sun Jul 08, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: Long Cruises
Replies: 20
Views: 1699

Re: Long Cruises

Per tibbetts concern: Yes, once, on a high end suite, there was a dreadful plumbing issue, and it could have been handled better. (OTOH, we could have "thrown that fit" sooner :shock: ) Anyway, they relocated us to a tiny cabin for two nights while they tore up the floor in our suite. Given the sit...
by tibbitts
Sun Jul 08, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5356

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

Work is being done at a Honda dealer. Because you did this, I can guarantee you are getting "hosed". Find an independent shop. This is a stupid way of thinking. A lot of times the dealer charges less for oil changes just to get people in the door. I spent about $40 for oil and filter for my girlfri...
by tibbitts
Sun Jul 08, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Long Cruises
Replies: 20
Views: 1699

Re: Long Cruises

Who has been on months-long cruises where you visited dozens of cities/countries? How did you like/dislike them? TravelforFun I haven't but to me part of the issue the chance of getting a clunky cabin. I'm looking at a 3-week trip and when you've got reports of plumbing issues etc. on a 30-year-old...
by tibbitts
Sun Jul 08, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: How come voice command on Garmin GPS is so lousy compared to Google Maps?
Replies: 22
Views: 1574

Re: How come voice command on Garmin GPS is so lousy compared to Google Maps?

Just curious why a big, wealthy, international organization like Garmin, who depend entirely on GPS products that customers have to buy, can't figure out how to do voice command that works as well as a GPS product that is free. Maybe someone knows the answer to this. Hey Garmin: are you listening? ...
by tibbitts
Sat Jul 07, 2018 10:12 pm
Forum: Investing - Theory, News & General
Topic: Girls and investing
Replies: 115
Views: 5605

Re: Girls and investing

Even as a Bogleheads, we have to understand politics, who's in control of the government all those things - this helps us understand why we tune them out and we have a real understanding of why we are Bogleheads. I think there are lots of people who have effectively tuned out politics without havin...
by tibbitts
Sat Jul 07, 2018 10:09 pm
Forum: Investing - Theory, News & General
Topic: Girls and investing
Replies: 115
Views: 5605

Re: Girls and investing

My first exposure to investing was around 11 with a school competition to manage a paper portfolio of $10,000 for 6 weeks. I remember for that six weeks my team “bought” a small amount of McDonald’s shares, not nearly $10k worth of shares, and because the market went down during those 6 weeks we en...
by tibbitts
Sat Jul 07, 2018 10:02 pm
Forum: Investing - Theory, News & General
Topic: Girls and investing
Replies: 115
Views: 5605

Re: Girls and investing

We make children memorize stuff in school, math, vocabulary, social studies, government, but we don't give them a way to see how the knowledge could be transformed to personal wealth. I supposed that if a girl feels like she could be a millionaire (a very tangible goal given inflation) she might be...
by tibbitts
Sat Jul 07, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5356

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

a/c cabin filter dirty: $99.99 For some cars, you can do this yourself, not for $20 as some have mentioned, but as little as $0.50. Buy a pleated furnace filter for about $3, and use scissors to cut it into smaller ones. This works if the factory filter has a thickness that’s close to the one-inch ...
by tibbitts
Sat Jul 07, 2018 9:32 pm
Forum: Investing - Theory, News & General
Topic: Girls and investing
Replies: 115
Views: 5605

Re: Girls and investing

I don't think it would be different for girls vs. boys, but the issue to me is that investing as it's discussed here is boring, so I don't see how it would be interesting for kids.
by tibbitts
Sat Jul 07, 2018 6:16 pm
Forum: Personal Consumer Issues
Topic: $50+ gas bill for $4 in gas?
Replies: 16
Views: 3026

Re: $50+ gas bill for $4 in gas?

I noticed my natural gas bill (heat, hot water, cooking) has slowly crept up in the summer months where I use little gas. My bills used to be pretty low in the summer as it was almost all hot water (grill outside mostly and no heat in warm weather). My last bill was $50.23. The breakdown is: Custom...
by tibbitts
Sat Jul 07, 2018 6:12 pm
Forum: Personal Consumer Issues
Topic: Tipping in a hotel room/cruise ship room
Replies: 57
Views: 3981

Re: Tipping in a hotel room/cruise ship room

I don't know about cruises, but I try to leave a small tip each morning for the hotel room cleaners, whether traveling for business or pleasure. Regarding expenses and expense sheets - as my old boss told a co-worker "If you can't figure out a way to get paid for it, you're not nearly as smart as I...
by tibbitts
Sat Jul 07, 2018 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: E- Billing & Autopay
Replies: 27
Views: 2388

Re: E- Billing & Autopay

We do this, and it's very convenient. However, your concern about your wife when you pass is well-founded. When my father passed recently, my mother found that all their e-bills and auto-payments were not only discontinued but no longer even listed. Similarly, she found the majority of "their" cred...
by tibbitts
Sat Jul 07, 2018 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: E- Billing & Autopay
Replies: 27
Views: 2388

Re: E- Billing & Autopay

Billpay is excellent. Most monthly bills can't be charged, they have to be paid via a bank account, but that's okay. The main concern is an unexpected bill emptying your account for those bills you auto-pay, which of course is why you want to use a credit card for anything you can. My billpay doesn'...
by tibbitts
Sat Jul 07, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5356

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

I don't know anything about Hondas but we have to be careful about generalizing - for some cars changing some filters is like brain surgery, just with less fatal consequences for mistakes. As for brake fluid probably most twenty-year-old cars still have their original brake fluid but as far as I kno...
by tibbitts
Sat Jul 07, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: Tire experts? Can I trust a patched tire?
Replies: 42
Views: 2897

Re: Tire experts? Can I trust a patched tire?

I plugged (not patched, plugged) a tire and not so long after ended up with a grapefruit-sized bulge in the tire, pretty close to where I put the plug. I don't claim to be the master of plugging but I'd plugged multiple tires before and... well there's not that much to it. But the bottom line is I d...
by tibbitts
Sat Jul 07, 2018 12:31 pm
Forum: Investing - Theory, News & General
Topic: Active Management Justification
Replies: 33
Views: 1824

Re: Active Management Justification

When we're in a stock bull market such as we currently are, some investors loose site of the consequences of a bear market on a stock heavy, indexed portfolio that by its very nature takes no steps to mitigate losses during bear markets. The data that follows is for the 19 year period of January 1,...