Search found 7954 matches

by tibbitts
Sat Sep 29, 2018 7:45 pm
Forum: Investing - Theory, News & General
Topic: Moneytalk with Bob Brinker coming to an end
Replies: 68
Views: 8491

Re: Moneytalk with Bob Brinker coming to an end

I listened regularly in the '90. I wish I'd taken his EE bond advice when he first gave it. Later on he started having lots of substitutes on his program with varying results.
by tibbitts
Sat Sep 29, 2018 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Why Do I Need My Pre-1994 Account Balance?
Replies: 5
Views: 999

Re: Why Do I Need My Pre-1994 Account Balance?

I have a Keogh through my prior employer that is located at Schwab. I am retired and am making Required Minimum Distributions. My monthly report has a line that says that my pre-1994 account balance is $nnnn. Why do I need to know that amount? I called my Schwab representative and he does not know....
by tibbitts
Sat Sep 29, 2018 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Pondering Pros/Cons of Defensive Investing Starting Out
Replies: 12
Views: 920

Re: Pondering Pros/Cons of Defensive Investing Starting Out

Hi everyone, So I was reading an article the other day at the Four Pillar Freedom blog about the first 100k and how basically from your run-of-the-mill 5-7% market returns, usually about 85-90% of the total amount once you hit $100,000 is money you have saved and the remainder is returns. So this g...
by tibbitts
Sat Sep 29, 2018 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Dividends
Replies: 11
Views: 1417

Re: Dividends

I am a newbie boglehead. I thought (maybe incorrectly) that dividends were a large portion of the stock market returns? I recently read Mr. Larimore’s Three-Fund Portfolio book and plan to mostly follow his advice. I invested in Schwab's SWTXS total stock market index about 1 year ago and my latest...
by tibbitts
Sat Sep 29, 2018 1:30 pm
Forum: Investing - Theory, News & General
Topic: What kind of irrationality causes investors to accept exorbitant prices for active management?
Replies: 17
Views: 1722

Re: What kind of irrationality causes investors to accept exorbitant prices for active management?

I don't agree that irrationality is involved. In fact it would be irrational for someone to believe index investing would be superior to active management, net of fees. Everyone here reads countless academic papers etc., books, Boglehead posts, etc. and uses that evidence to combat their natural ten...
by tibbitts
Sat Sep 29, 2018 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: 8606 mess and what to do
Replies: 41
Views: 4000

Re: 8606 mess and what to do

Whenever I say how much trouble my mistakes on my 8606's have caused me, everybody says I'm an idiot because an 8606 only takes three seconds to fill out perfectly and it's so simple that mistakes are completely impossible. Your situation takes my mistakes to a whole different level, so if that's wh...
by tibbitts
Sat Sep 29, 2018 10:34 am
Forum: Investing - Theory, News & General
Topic: Minimum Withdrawal Rate and Dividend Growth
Replies: 12
Views: 1232

Re: Minimum Withdrawal Rate and Dividend Growth

Quick question for the experts here. When an appropriate withdrawal rate (say 4%) is discussed, does it assume that dividends are still being reinvested or are they collected to further support retirement? Since dividend yield is in the ball park of 2% (+/-). Seems like this assumption would make a...
by tibbitts
Sat Sep 29, 2018 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Rolling over 401k without being "out of the market"?
Replies: 6
Views: 392

Re: Rolling over 401k without being "out of the market"?

I have approximately $18,400 in a 401k from a previous employer's plan under Wells Fargo, and another $6k or so (although I believe only half is vested) with Fidelity. I've been thinking about rolling these accounts over to an IRA, or perhaps to my current employer's plan. Probably will go with the...
by tibbitts
Fri Sep 28, 2018 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard interface - show funds as % of total?
Replies: 2
Views: 456

Re: Vanguard interface - show funds as % of total?

Hi, I have a set % for each asset class (e.g., US stocks 50, int'l 40%, bonds 10%), and I use one fund for each class. I have a Vanguard Roth IRA Brokerage account. I can't seem to figure out how to look at the list of funds I own with a percentage of total for each fund. For example, if the portfo...
by tibbitts
Fri Sep 28, 2018 10:24 pm
Forum: Investing - Theory, News & General
Topic: Investment types in a no-growth environment
Replies: 35
Views: 2729

Re: Investment types in a no-growth environment

Sandtrap wrote:
Wed Sep 26, 2018 10:17 pm
R/E residential multi unit housing income property.
The population is always increasing.
People need a place to live.

Necessities: food, clothing, shelter.
The assumption here, whether we agree with it or not, is that the population of both the U.S. and the world will decrease going forward.
by tibbitts
Wed Sep 26, 2018 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: First-time victim of credit card fraud
Replies: 48
Views: 3728

Re: First-time victim of credit card fraud

Who cares? Ive been a "victim" of credit card fraud like 5 times. Doesnt bother me one bit. Simply call the credit card company, explain the situation, they kill that card and send you a new number. Its not like you're responsible for the charges. Yes, I know they can charge you a fee...they never ...
by tibbitts
Wed Sep 26, 2018 8:19 am
Forum: Investing - Help with Personal Investments
Topic: Ready to Simplify Taxable Account--advice, please
Replies: 16
Views: 1211

Re: Ready to Simplify Taxable Account--advice, please

In taxable taxes are almost all that matter so that's why I have TSM, 500, and TM Cap App - so annoying. Not that I'm wishing for the gains to go away so I can consolidate.
by tibbitts
Sun Sep 23, 2018 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice for a Teacher
Replies: 19
Views: 1507

Re: Investment Advice for a Teacher

I am a 50 year old teacher who is planning on retiring in 14 years. I have saved a good amount of money in my 403(B) and have the following asset allocations: Fidelity Total Market Index (FSTVX) 30% Fidelity 500 Index (FUSVX) 30% Fidelity Capital & Income (FAGIX) 30% Fidelity International Index (F...
by tibbitts
Sat Sep 22, 2018 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio with 3.2% Yield
Replies: 16
Views: 2285

Re: Portfolio with 3.2% Yield

I dont understand the risk, the average annual total return of this portfolio is a little higher than 11% and this includes the 2007-2008 subprime financial crisis. The 3% dividend will be paid even if we get into an extended bear market for 10 years. So I need not rely on capital withdrawal and th...
by tibbitts
Sat Sep 22, 2018 7:43 am
Forum: Investing - Theory, News & General
Topic: Buckingham Strategic Wealth #12 on Barron's
Replies: 13
Views: 1696

Re: Buckingham Strategic Wealth #12 on Barron's

Wonder how many forum members are donating their 1% to his firm. H There are firms that provide “value” to their clients. Don’t be fixated on cost - Old saying “penny wise, pound foolish”. Buying the cheapest could cost you dearly. But I don't believe there is any correlation between cost and benef...
by tibbitts
Sat Sep 22, 2018 7:33 am
Forum: Investing - Help with Personal Investments
Topic: Out of Market
Replies: 23
Views: 3412

Re: Out of Market

Never thought I would walkway from the market but at the age of 78 with health issues I decided to maintain about 10% of my assets in stocks (currently own) and another 10% in high rated corporate bonds (currently own) yielding 4-5%. I also keep 10% in cash for emergency (2% Vanguard Prime MM). I a...
by tibbitts
Sat Sep 22, 2018 7:24 am
Forum: Investing - Help with Personal Investments
Topic: Stable Value Similat to What Bond Fund
Replies: 9
Views: 782

Re: Stable Value Similat to What Bond Fund

I have a stable value fund in my deferred comp. It only pays 2 %. I want to establish an AA and use Portfolio Visualizer to run some options. Would Vanguard Short Term Bond be a good comparison for the stable value? Or Vanguard Short Term Government Bond fund. Or should I just use Vanguards Money M...
by tibbitts
Sat Sep 22, 2018 7:16 am
Forum: Investing - Theory, News & General
Topic: Are unleveraged real estate returns more comparable to stock market returns or just a notch above inflation?
Replies: 70
Views: 3943

Re: Are unleveraged real estate returns more comparable to stock market returns or just a notch above inflation?

Real estate is also risky but with the added bonus of upkeep. It seems there is always something to do. Most years it's toilets, faucets, exhaust fans, landscaping, lighting etc. Sometimes it's furnaces, carpet, structural issues, roofs, etc. And you also get to deal with renters, insurance, taxes,...
by tibbitts
Sat Sep 22, 2018 6:49 am
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6512

Re: My Very First Smartphone — Please Critique This Plan

Your mileage may and will vary. I rent nothing from Verizon or any other company so in the long run I save in fees. I would strongly suggest you get a 20 or 30 something millennial to help you in your analysis. My youngest daughter helped me and walked me thru the changes. I think a lot of the post...
by tibbitts
Sat Sep 22, 2018 6:38 am
Forum: Investing - Help with Personal Investments
Topic: Bond Fund Question
Replies: 13
Views: 1076

Re: Bond Fund Question

You might also consider how the bonds might perform in a 2008/2009 scenario, where pretty much government bonds were the only ones that came through relatively unscathed. The "too-high" percentage of government bonds in Total Bond Market could be your friend sometimes. I have no total bond or other ...
by tibbitts
Fri Sep 21, 2018 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice
Replies: 77
Views: 10096

Re: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice

You have to look at it from different angles. The bank savings account is an FDIC insured account. The Vanguard Money market funds are not FDIC and thus are somewhat higher risk and thus yield to compensate for the risk. Personally we eliminated our low yield savings account at our bank a year ago ...
by tibbitts
Fri Sep 21, 2018 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Have You Successfully Moved Global Stock to Schwab? UPDATE
Replies: 12
Views: 998

Re: Have You Successfully Moved Global Stock to Schwab?

You should contact Schwab and have them "pull" the shares in. Let them handle the transfer. That is what they do. Thanks, but that's not an option. Computershare has to initiate the transfer. Why? I have no idea, but I know that overall Bogleheads are far too optimistic about the ability of one com...
by tibbitts
Wed Sep 19, 2018 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor suggesting 7 Bond funds for my 40%
Replies: 44
Views: 5361

Re: Vanguard Advisor suggesting 7 Bond funds for my 40%

I don't see any problem with the advice, depending on the justification. Basically we are presuming the VG rep is guilty without so much as a hearing. The OP could email the rep to ask for an explanation for each holding, and then post the reply here. I have more than seven bonds funds, although off...
by tibbitts
Wed Sep 19, 2018 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: New job - worse retirement plan
Replies: 2
Views: 467

Re: New job - worse retirement plan

If those are the only costs that you listed there are people who would kill for your plan. Some just for access to Primecap.
by tibbitts
Wed Sep 19, 2018 5:29 pm
Forum: Investing - Theory, News & General
Topic: Convince a friend to go Boglehead
Replies: 17
Views: 1051

Re: Convince a friend to go Boglehead

You have gone above and beyond already. At some point nagging become annoying, whether it's about investing or other lifestyle choices (weight, exercise, wardrobe, etc.)
by tibbitts
Wed Sep 19, 2018 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Very Basic Investing Question on Portfolio Growth Day-to-Day
Replies: 3
Views: 485

Re: Very Basic Investing Question on Portfolio Growth Day-to-Day

Hey all, Hoping to ask a very basic question on the growth of a portfolio. If one owns an index fund and that index fund goes up .50% that day, shouldn't the individual's holdings in that fund go up by 0.50%? For example, let's say you have the $1000 in VGTSX. That index fund is up 0.82% today. So ...
by tibbitts
Tue Sep 18, 2018 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisor - .30%
Replies: 23
Views: 3215

Re: Vanguard Personal Advisor - .33%

Hi Tibbitts I'm assuming that you responded to my comment that I have a some in PAS and some not? If you have $100k at Vanguard but 100 times that at Fidelity, etc. then I don't think it's helping you because my understanding is they're not looking at that other money. If everything you have is at ...
by tibbitts
Tue Sep 18, 2018 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Brokerage vs. Mutual Fund account - at Fidelity
Replies: 1
Views: 457

Re: Brokerage vs. Mutual Fund account - at Fidelity

After asking over on Morningstar, I decided to take the plunge and migrate my mutual fund to a brokerage IRA. We'll see how it works out, but the e-deposit feature is definitely handy.
by tibbitts
Tue Sep 18, 2018 7:47 am
Forum: Investing - Help with Personal Investments
Topic: Facing Retirement at year end
Replies: 22
Views: 2727

Re: Facing Retirement at year end

Health insurance coverages and costs are all over the map depending on where you live, with or without Obamacare, so it's hard for people to comment on something that will be a huge percentage of your expenses. Having said that, it sounds like you'll have $85k annual income if you take the pension, ...
by tibbitts
Tue Sep 18, 2018 7:28 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisor - .30%
Replies: 23
Views: 3215

Re: Vanguard Personal Advisor - .33%

If you have $100k at Vanguard but 100 times that at Fidelity, etc. then I don't think it's helping you because my understanding is they're not looking at that other money. If everything you have is at Vanguard maybe it has more value when it comes time to get a second opinion on combination of Roth ...
by tibbitts
Mon Sep 17, 2018 7:59 am
Forum: Investing - Theory, News & General
Topic: Equity allocation for Flagship clients?
Replies: 47
Views: 3954

Re: Equity allocation for Flagship clients?

When I read through the various posts and great insights on this forum, one thought frequently arises in my mind. That is, when discussing their AA, many people claim to have rather high equity exposure (70% or 80% or more). I am around 50% equity and wonder if I am not doing my AA properly. While ...
by tibbitts
Sun Sep 16, 2018 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of Retiring at 52, Please Critique Plan
Replies: 42
Views: 5881

Re: Thinking of Retiring at 52, Please Critique Plan

So sorry about the diagnosis; obviously whatever we said before knowing that may not apply at all.
by tibbitts
Sun Sep 16, 2018 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Am I "buying high" if I transfer stable value funds over to stock index fund now?
Replies: 26
Views: 1915

Re: Am I "buying high" if I transfer stable value funds over to stock index fund now?

I will be retiring between December 1 of this year and March 30th of 2019, depending on whether my wife needs a medical procedure performed or not. As of now, my entire 401k money has been moved over to a stable value fund as my employer offers some really poor mutual fund choices. Once retired, I ...
by tibbitts
Sun Sep 16, 2018 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of Retiring at 52, Please Critique Plan
Replies: 42
Views: 5881

Re: Thinking of Retiring at 52, Please Critique Plan

I would be terrified about health insurance if I were you. If you had asked me years ago I would have said that what's happened to insurance would have been completely unsustainable and yet here we are. So what will it cost you? $10k this year, $20k next year... how long before $40k? Remember the co...
by tibbitts
Sun Sep 16, 2018 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Am I "buying high" if I transfer stable value funds over to stock index fund now?
Replies: 26
Views: 1915

Re: Am I "buying high" if I transfer stable value funds over to stock index fund now?

I will be retiring between December 1 of this year and March 30th of 2019, depending on whether my wife needs a medical procedure performed or not. As of now, my entire 401k money has been moved over to a stable value fund as my employer offers some really poor mutual fund choices. Once retired, I ...
by tibbitts
Sun Sep 16, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: Should I sell my MacBook pro?
Replies: 18
Views: 1625

Re: Should I sell my MacBook pro?

I have an iMac at work an iMac at home, and an iPad pro. I rarely use my MBP, basically on once or twice a year work trips and when I am sick on the couch. iPad pro seems to be handling most stuff. If you were me, would you sell it? No, it's only worth $54.83 and you'll have to fill out four pages ...
by tibbitts
Sun Sep 16, 2018 11:32 am
Forum: Investing - Help with Personal Investments
Topic: How to stay the course when you “think” you can outsmart the market
Replies: 36
Views: 2286

Re: How to stay the course when you “think” you can outsmart the market

The problem early mistakes is that while we can say "they were only a few thousand dollars", they compound forever - not just for your life, but if you leave an estate... on and on. It's pretty depressing to think about. Sometimes there is no substitute for doing things correctly from the start.
by tibbitts
Sun Sep 16, 2018 11:05 am
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 131
Views: 34028

Re: Vanguard opens special offices for $1 million clients

Maybe instead of having remote offices Vanguard could travel the country in an RV. I just saw a 1984 Winnie for $1k. They could overnight in Walmart parking lots for free.
by tibbitts
Sun Sep 16, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Side Hustle Options/Suggestions.
Replies: 99
Views: 10183

Re: Side Hustle Options/Suggestions.

sports referee. basketball, volleyball, and lacrosse are good. get exercise etc... the money is made on the weekends though. b-ball on the weekends in the winter is o.k. here in chicago though. gets you off the couch on cold winter days. a lot of people don't claim this income as long as you don't ...
by tibbitts
Sun Sep 16, 2018 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security Until 70
Replies: 115
Views: 9385

Re: Delaying Social Security Until 70

Is everybody doing their calculations based on current law and the latest available statistics, with the associated payout reduction?
by tibbitts
Sun Sep 16, 2018 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 154
Views: 12135

Re: Considering Quitting Job - Seeking Advice. Would you do it?

The OP doesn't need to post company information, but it's pointless to discuss this without personal financial details - income, investments, pension provisions, expenses, etc. Everybody posts those, nobody can comment without them, although I think the schedule is crazy and essentially regardless o...
by tibbitts
Sat Sep 15, 2018 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Brokerage vs. Mutual Fund account - at Fidelity
Replies: 1
Views: 457

Brokerage vs. Mutual Fund account - at Fidelity

We all debate the features of Vanguard brokerage vs. IRA accounts here, and there are some important differences, but my question is about my two Fidelity accounts. I have a Fidelity brokerage account for a Roth; I have a Fidelity mutual fund account for a Traditional. I have two rollover checks mad...
by tibbitts
Sat Sep 15, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: How to start a website?
Replies: 12
Views: 1308

Re: How to start a website?

I have an idea for a website, the goal is for it to be a 'side hustle' or hobby: - Will display existing content from the web - Will allow feedback from people But how to start it? - I assume the first step is to register the domain. What's a good place to register? Cost? - How to make sure the sit...
by tibbitts
Sat Sep 15, 2018 9:24 am
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 176
Views: 10003

Re: How real is cyber risk?

The best way to mitigate the risk associated with phones/SIM cards is not to use cell phone numbers for 2FA. Use Google Voice instead. Text messages come into your Google Account that is in turn protected by 2FA. No excuses. I have had several institutions somehow detect Google Voice numbers and re...
by tibbitts
Sat Sep 15, 2018 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Side Hustle Options/Suggestions.
Replies: 99
Views: 10183

Re: Side Hustle Options/Suggestions.

You have infants at home and your going to spend your precious sleep time working minimum wage jobs.??? If you really need the money, spend the time on night classes, get a graduate degree and earn a promotion in your day job. You have a degree and a skilled profession, Don’t give up precious irrep...
by tibbitts
Sat Sep 15, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 93
Views: 4387

Re: I need a chainsaw to trim branches and limbs!!

I have had 2 16in electric chain saws and now a little (8in?) electric pole saw. With the chainsaw I would draw the line at the ladder - just too much danger of slipping. I have used the pole saw a couple of steps up on a ladder but not the chainsaws. With the pole saw I sometimes do get hit by fall...
by tibbitts
Sat Sep 15, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Service Date for Vesting - Teacher
Replies: 12
Views: 883

Re: Service Date for Vesting - Teacher

How much does she stand to get at 5 years? Probably less than a thousand per year at age 60/65. If you are looking to get contributions back (most states require being vested to get back contributions sans gains) you can do what the other replies are saying, sign the contract get a paycheck then re...
by tibbitts
Fri Sep 14, 2018 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Service Date for Vesting - Teacher
Replies: 12
Views: 883

Re: Service Date for Vesting - Teacher

In my state, your teacher's retirement pension anniversary date isn't when you start working, or when your contract starts, or the beginning of the next month. It's the day the USmail happens to deliver your first payment paperwork to the pension system. So for me, I started on October 15, but as fa...
by tibbitts
Wed Sep 12, 2018 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Any issues keeping <$1MIL in VMFXX (Money Market Fund)?
Replies: 21
Views: 2991

Re: Any issues keeping <$1MIL in VMFXX (Money Market Fund)?

Going to start my Vanguard journey with $500K-1MIL (3 fund portfolio) - but while I'm waiting to sort out details of allocation I want, etc -- are there any issues or repercussions with keeping that money in VMFXX in the meantime for up to 3 months or so? That way I can start collecting yields imme...
by tibbitts
Wed Sep 12, 2018 7:59 am
Forum: Personal Finance (Not Investing)
Topic: My daughter's inheritance.
Replies: 64
Views: 8933

Re: My daughter's inheritance.

I think some of the replies may be skipping over the intricacies of the trust. Maybe this is a job for a JD/CPA. The OP had not added the revocable trust part before I had posted the above. I did not assume that and it is one of the least complex forms of trust so it's not as complicated as I'd tho...