Search found 7451 matches

by tibbitts
Sun May 13, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Online/cloud backup or file storage?
Replies: 38
Views: 2200

Re: Online/cloud backup or file storage?

I am not sure how long this will last, but in about a month I will lose access to the computers I have used for a long time -- and will be using library computers - with my files stored on flash drive(s). I will want to save/backup using one of the free "cloud" services - Suggestions and experience...
by tibbitts
Sun May 13, 2018 12:25 pm
Forum: Investing - Theory, News & General
Topic: This is Unbelievable - another Vanguard customer support odyssey
Replies: 55
Views: 10954

Re: This is Unbelievable - another Vanguard customer support odyssey

Hello, OP back to tie up loose ends. The supervisor with whom we were connected took care of all the IRA acct loose ends in a snap. She was unable to help with why the balance of the original 403B money was directed into the roth (conversion) acct since the 403B had been handed off to the other man...
by tibbitts
Sun May 13, 2018 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: For Those Who Purchased Ally No Penalty CD's in Dec/Jan
Replies: 31
Views: 4803

Re: For Those Who Purchased Ally No Penalty CD's in Dec/Jan

Closed one large No-Penalty CD @ 1.5 % and opened three 12 month CDs @ 2.25%. Pretty much a no-brainer for us as we have ample funds available without being concerned about locking up the $ for 12 months. It's still a tough call. You could have chosen a money market fund or the Boglehead-unloved ul...
by tibbitts
Sun May 13, 2018 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: About to fire advisor, lagging. Comments?
Replies: 17
Views: 1124

Re: About to fire advisor, lagging. Comments?

Before you leave tell us about the "complex investments" he has you in currently. Can you move this stuff to Vanguard or other low cost broker or do you have to sell it all first? How much capital gains and other issues does selling this stuff do to your taxes? Will there be back end fees for selli...
by tibbitts
Sun May 13, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: College laptop for fall 2018 freshman
Replies: 82
Views: 4489

Re: College laptop for fall 2018 freshman

Great advice all around, thanks. I am having her contact the Art department to see what they say. I used to have OpenOffice, but got a $10 deal on MS Office through my work a few years ago and have used that since. It looks like Libre Office is a good current option. If it was me, I would probably ...
by tibbitts
Sun May 13, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: College laptop for fall 2018 freshman
Replies: 82
Views: 4489

Re: College laptop for fall 2018 freshman

Watty wrote:
Sun May 13, 2018 10:04 am
There may also be special deals available for buying computers through the university.
With some institutions that would be true, but apparently not in this case.
by tibbitts
Sun May 13, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: College laptop for fall 2018 freshman
Replies: 82
Views: 4489

Re: College laptop for fall 2018 freshman

It would be a good idea to contact the department since it might have at least preferences beyond the relatively vague guidelines that were provided. I believe Macs took a significant reputation hit by not expanding past 16GB for as long as they did after everybody else had moved on. There was a lot...
by tibbitts
Sun May 13, 2018 9:20 am
Forum: Investing - Help with Personal Investments
Topic: About to fire advisor, lagging. Comments?
Replies: 17
Views: 1124

Re: About to fire advisor, lagging. Comments?

I'm sorry but I don't see 2.97 compared to 3.33 or 3.8 as "anemic." You could argue all are anemic but sometimes that (or worse) is just what the world gives you. You may be comparing completely different investments since we don't know what your investments actually are. Your advisers are quite pos...
by tibbitts
Sun May 13, 2018 8:57 am
Forum: Investing - Theory, News & General
Topic: Anything wrong with too many lots?
Replies: 47
Views: 4667

Re: Anything wrong with too many lots?

I've gotten into the habit of investing every 1-2 weeks. Some people hold off until they have a larger chunk of money to invest, or turn off dividend reinvesting so that they don't have too many small lots. I've almost never sold anything so I have no idea if having too many lots would hurt me in a...
by tibbitts
Sun May 13, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: College laptop for fall 2018 freshman
Replies: 82
Views: 4489

Re: College laptop for fall 2018 freshman

I bought my college kid a Dell and within a few months she wanted me to buy her an Apple instead. It doesn’t matter which one is better overall. Apple is the one that is used in the academic world, and your kid will feel out of place without one. Apple is used in your tiny piece of the academic wor...
by tibbitts
Sat May 12, 2018 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Income rates between Ally and Vanguard
Replies: 9
Views: 1090

Re: Financial Income rates between Ally and Vanguard

Vanguard's Federal MM (VMFXX) is currently at 1.62%. The 1.54% number you saw a few days ago might have been referring to that. The Prime MM (VMMXX) is currently at 1.85%. VMFXX is slightly less risky, though neither one is insured like a bank account is. I would trust Vanguard MM funds to always h...
by tibbitts
Fri May 11, 2018 10:18 am
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 224
Views: 19910

Re: Why International again?

kerplunk wrote:
Fri May 11, 2018 7:31 am
The sun rises every morning. Will it continue?

Past performance does not guarantee future results.

International stock is unnecessary for American investors.
Domestic stock is also unnecessary, so not sure what the point is.
by tibbitts
Fri May 11, 2018 10:09 am
Forum: Personal Finance (Not Investing)
Topic: How to find reputable person for Will/Trust?
Replies: 41
Views: 3040

Re: How to find reputable person for Will/Trust?

For things like this, the best resource if finding friends and neighbors who are satisfied customers of a particular service, in this case lawyers who do wills and trusts. When we did ours, I asked a few trusted neighbors and they all recommended the same person so it was a no brainer at that point...
by tibbitts
Fri May 11, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: When to replace a car windshield
Replies: 27
Views: 1676

Re: When to replace a car windshield

I would replace it. Do you not have glass coverage on your policy? It seems that in some states, glass coverage is not separate from collision and the usual deductible applies. I've lived in both states where glass replacement or repair was "free" and ones where it's treated like denting your fende...
by tibbitts
Wed May 09, 2018 11:49 pm
Forum: Personal Consumer Issues
Topic: I ran out of credit card signups bonus...
Replies: 84
Views: 11416

Re: I ran out of credit card signups bonus...

Of course not...besides...what does your tax return have anything to do with qualifying for a credit card? Perhaps quite a bit. Isn't the REAL answer to "do I have a business?" whether or not you file some sort of business tax return...the simplest being a Schedule C? Why do the credit card compani...
by tibbitts
Mon May 07, 2018 9:54 am
Forum: Investing - Help with Personal Investments
Topic: Help with in-laws investment- 100% in stocks with 5 years left to retire
Replies: 46
Views: 2986

Re: Help with in-laws investment- 100% in stocks with 5 years left to retire

My in laws plan to retire in 5 years and have everything in 100% stocks. From reading bogleheads, I know this is not a recommended strategy. How do I discuss with them that they should be taking less risk? Their mortgage is paid off and they have no significant debt. Both of them will get a pension...
by tibbitts
Sat May 05, 2018 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 17655

Re: Ed. Jones rep didn't like our plan, now we're locked out

As I have described previously, I know from personal experience that neither Vanguard nor Fidelity will be of any assistance at all in this process at least up at six-figure asset levels. They will only work with you if the other institution cooperates to a degree that isn't happening in this case. ...
by tibbitts
Sat May 05, 2018 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Need encouragement with holding my bond fund assets
Replies: 27
Views: 2116

Re: Need encouragement with holding my bond fund assets

I've watched for a year now as my bond fund value has dropped month by month. The dividends were automatically reinvested to buy more shares, so I now own more shares than when I started, but since the value of each share has dropped over the year, I have (on paper) lost about 3.4% of my investment...
by tibbitts
Fri May 04, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 8816

Re: Warning: avoid Windows 10 update 1803

I had trouble with a previous cumulative update on Win10 and had to reinstall. I tried the cumulative update (from last fall I think - the one after the Creators Update, I think.) This update went without incident on the 2 computers I attempted it on - just slowly. Not updating is not a practical op...
by tibbitts
Fri May 04, 2018 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: dad, can I have some money
Replies: 14
Views: 3291

Re: dad, can I have some money

Actually its more like "my dearest (middle) child, I'm retired and I have some money saved up but I don't know what to do with it, so can you give me some money to go on vacation in Norway?" That's literally what my dad said to me this morning...parents. all seriousness, super nerding out on invest...
by tibbitts
Fri May 04, 2018 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: When to buy a new car (need to find a Boglehead way)
Replies: 34
Views: 2676

Re: When to buy a new car (need to find a Boglehead way)

I have a 13 year old car with 150k that I drive on a regular basis. It is inexpensive to operate, insure and fix. I could buy a new car today but what is the marginal benefit I will get? Perhaps more safety, fuel efficiency and features but I just need a car to take me to point A to B. If you can m...
by tibbitts
Wed May 02, 2018 7:55 am
Forum: Investing - Theory, News & General
Topic: Kiplinger article "..Guaranteed Inheritance for Kids"
Replies: 53
Views: 5365

Re: Kiplinger article "..Guaranteed Inheritance for Kids"

MrPotatoHead wrote:
Mon Apr 30, 2018 9:40 pm
gmaynardkrebs wrote:
Mon Apr 30, 2018 2:28 pm
and we're happy to stay at Marriot Garden Inns when we travel.
???? Do you mean Hilton Garden Inns or Marriott Courtyards? Curious...
Bogleheads would stay at either of those only if they got a package with the not-normally-included free breakfast.
by tibbitts
Tue May 01, 2018 10:41 pm
Forum: Investing - Theory, News & General
Topic: Value tilted S&P 500 fund for dividend?
Replies: 45
Views: 2123

Re: Value tilted S&P 500 fund for dividend?

Anyone look at funds like SPYD S&P 500 Dividend fund ETF. ER = 0.07. Seems like a good idea. Mostly LCV stocks, but is taking top yielders I presume. You must have missed the previous 8,457 threads discussing dividend focused investing approaches. While there is no perfect consensus you won't get m...
by tibbitts
Tue May 01, 2018 7:56 am
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 5847

Re: Learning to drive a stick [car with manual transmission]

Proper (and safe) manual transmission usage also includes downshifting through the gears as you slow down and stop. Brakes are cheaper than clutches, I do not believe proper downshifting is harmful to the clutch. Proper downshifting is also safer (you are in better control of the car). I believe yo...
by tibbitts
Tue May 01, 2018 7:46 am
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8599

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

Regarding the GPS units with 2-way communication (not what I was referencing originally), I don't have one but believe there are two kinds: 1. intended for even non-emergency communication (can text via satellite); 2. intended to signal an emergency and request for help only. These are is mostly ava...
by tibbitts
Mon Apr 30, 2018 10:53 pm
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8599

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

This is a remarkable thread - I've never encountered a Bogleheads thread with such a wide variety of often conflicting recommendations. Comments: Checking in daily is normal and seems reasonable to expect. People three times their age are often expected to check in daily, too. But today they're more...
by tibbitts
Mon Apr 30, 2018 7:50 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Guaranteed Annuity
Replies: 83
Views: 3501

Re: TIAA Guaranteed Annuity

Traditional and Real Estate are two investments available at TIAA for which there are generally not alternatives available elsewhere, and while both are arguably too complicated for most of us to fully understand, it's important to at least learn something about them before abandoning accounts that...
by tibbitts
Mon Apr 30, 2018 7:44 am
Forum: Personal Consumer Issues
Topic: Hotel rewards programs
Replies: 45
Views: 3750

Re: Hotel rewards programs

Hello and thanks in advance. I am making some travel plans, generally I sign up for hotel rewards but do not take advantage of the perks. I lost and got my Hilton rewards points restored. I think we also have a Club Carlson and a Marriott Card. So my questions: What other reward programs are there ...
by tibbitts
Mon Apr 30, 2018 7:36 am
Forum: Personal Consumer Issues
Topic: Hotel rewards programs
Replies: 45
Views: 3750

Re: Hotel rewards programs

I've been able to get quite a few free nights via hotel card sign-up bonuses. Mostly end up using the points when we want to be in a general area, but don't really care about specific location. We've kept the no fee ones and IHG cards as it gives a free night to offset the $49 fee. IHG also offers ...
by tibbitts
Sun Apr 29, 2018 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Guaranteed Annuity
Replies: 83
Views: 3501

Re: Vanguard Guaranteed Annuity

I see. So you get a paycheck for the rest of your life but the rate is guaranteed only for 10 years? After that it's whatever? SO if you annuitize $100,000 at 6.52% how do they calculate what you get? For 10 years vs the rest of your life if they don't know how long you will live. Won't you run out...
by tibbitts
Sun Apr 29, 2018 11:32 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Guaranteed Annuity
Replies: 83
Views: 3501

Re: Vanguard Guaranteed Annuity

What does it mean when you say you "twice annuitized"? I guess I don't understand what it means to "annuitize"? "Annuitize" in this case means to convert a portion of your accumulated assets to a lifetime monthly income stream. I did this initially at age 63 and again at age 67. At age 63 I got a 6...
by tibbitts
Sun Apr 29, 2018 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Newly widowed and waay out of my league
Replies: 41
Views: 5234

Re: Newly widowed and waay out of my league

To the OP - so sorry for your loss. Do you have friends or relatives who could help you? It might make sense to pay for a few hours of advice from a fiduciary financial adviser. Advice from a fiduciary might help, but selecting a good one is also not easy. That was the point. Family or a friend can...
by tibbitts
Sun Apr 29, 2018 10:33 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Guaranteed Annuity
Replies: 83
Views: 3501

Re: TIAA Guaranteed Annuity

...Regarding the TIAA Traditional Annuity, TIAA itself, for years and years, has put out abundant amounts of information. Start reading here to gain a better understanding: https://www.tiaa.org/public/search-results?qryStr=tiaa%20traditional Gather information and achieve undertanding first . Make ...
by tibbitts
Sun Apr 29, 2018 10:21 am
Forum: Investing - Theory, News & General
Topic: What are the questions you would ask a Financial Advisor ?
Replies: 59
Views: 3837

Re: What are the questions you would ask a Financial Advisor ?

Yes, I did. VPS is a complete waste of 30 bps. VPS dont understand how to evaluate my tax return from long term withdrawal strategy. How do you know that? Have you discussed this with them? Maybe your strategy is overly complicated and represents a degree of theoretical optimization and tweaking th...
by tibbitts
Sun Apr 29, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: can't login to vanguard this a.m.
Replies: 17
Views: 1184

Re: can't login to vanguard this a.m.

Assuming this is a post-login problem (you seemingly get authenticated, then things go downhill), it might matter if you have the brokerage or legacy platform, so everybody might want to state that in their replies.
by tibbitts
Sun Apr 29, 2018 9:44 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Guaranteed Annuity
Replies: 83
Views: 3501

Re: TIAA Guaranteed Annuity

This thread has gone completely off the rails, probably due to the original title. Many Bogleheads have TIAA Traditional, which is what the post is really about. It comes in many varieties that pay different interest rates depending on when contributions were made and what an employer contract with ...
by tibbitts
Sun Apr 29, 2018 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Help defining needs for Will / Estate plan
Replies: 17
Views: 1079

Re: Help defining needs for Will / Estate plan

I will be blunt!! Use an attorney who specializes in estate planning. Do not trust the web-based products. This issue is too important. Make a mistake now and you will regret it. We used a lawyer for our estate planning and the total legal cost was < $2000. Definitely worth it. Kind of by definitio...
by tibbitts
Sun Apr 29, 2018 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Buying primecap now - a mistake?
Replies: 14
Views: 1434

Re: Buying primecap now - a mistake?

The majority of the times I've bought active funds because they had outperformed competitors for decades, had "team" management, etc. etc. they've underperformed going forward. Until I gave up on them many years later, at which point they started outpeforming again. I would say to set your exit stra...
by tibbitts
Sun Apr 29, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: Visiting OK and KS with family
Replies: 31
Views: 1762

Re: Visiting OK and KS with family

I spent every summer there as a kid. How much do you like to watch wheat grow? I’m having a hard time imagining that much driving through that kind of country will be fun for the kids. I would skip the whole Kansas roadtrip. Heading east into the Ozarks is probably your best bet. The scenery is mor...
by tibbitts
Sun Apr 29, 2018 8:32 am
Forum: Investing - Help with Personal Investments
Topic: VTSAX or ? [Vanguard Total Stock Market Index]
Replies: 66
Views: 6583

Re: VTSAX or ?

70/30: 403b 2 7.61% TIAA-CREF Equity Index Fund (Institutional) (TIEIX) 0.05% 21.37% TIAA-CREF International Equity Index Fund (Institutional) (TCIEX) 0.06% Her IRA 28.28% Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) ER 0.04% 29.59% Vanguard Total Bond Market Index Fund Admiral Sha...
by tibbitts
Sat Apr 28, 2018 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Newly widowed and waay out of my league
Replies: 41
Views: 5234

Re: Newly widowed and waay out of my league

However, in the long run if you are going to depend on your portfolio for income you can't afford to lose 1% or more of your assets to advisors and salesmen. You have no idea what she can afford to "lose" nor what kinds of advice she needs and would be worth paying for. To the OP - so sorry for you...
by tibbitts
Fri Apr 27, 2018 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: Newly widowed and waay out of my league
Replies: 41
Views: 5234

Re: Newly widowed and waay out of my league

I suggest just not doing anything right now - there's almost certainly no rush to change anything. It would benefit you greatly to learn about investing, but it's a gradual process. You should avoid immediately implementing something the minute you learn about it, because the next day you'll learn m...
by tibbitts
Fri Apr 27, 2018 7:59 am
Forum: Investing - Help with Personal Investments
Topic: When the market crashes...
Replies: 25
Views: 3361

Re: When the market crashes...

Did that in 2008-2009 with my retirement. I didn't pull anything out thankfully but new contributions went into money market. Regret doing that to this day as my balances would be so much higher today. Expensive lesson learned. It was not a lesson learned. It easily could have turned out that the m...
by tibbitts
Thu Apr 26, 2018 11:52 pm
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 5847

Re: Learning to drive stick

Even if you are absolutely dreadful at it, you aren’t going to do significant damage to a clutch grinding it for 2 hours. Learning is pretty trivial, I think I learned in about 30 minutes. Nothing to be nervous about. And for every person who took 30 minutes, there is another one (or two, or two hu...
by tibbitts
Thu Apr 26, 2018 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: When the market crashes...
Replies: 25
Views: 3361

Re: When the market crashes...

Thanks all. So the consensus is "don't worry and do nothing or invest more" I can do that :D No, you can't. Of course you worry, unless you have so much invested that it just doesn't matter to you. You try to overcome that and continue with your plan. But unlike what everybody else says, I won't te...
by tibbitts
Thu Apr 26, 2018 6:44 pm
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 5847

Re: Learning to drive stick

This seems like a misguided attempt to save money. It took me months of practicing almost every day to be comfortable driving a standard transmission, and the problem here is compounded by being in unfamiliar territory. My guess is to give it a few years and the last of the manual transmissions will...
by tibbitts
Thu Apr 26, 2018 6:16 pm
Forum: Personal Consumer Issues
Topic: DIY Desktop PC
Replies: 43
Views: 1862

Re: DIY Desktop PC

I don't understand the appeal of building your own computer for someone who doesn't "follow hardware components closely." Certainly you will pay more with d-i-y than for an assembled computer that won't have any hardware compatibility issues.
by tibbitts
Tue Apr 24, 2018 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 98
Views: 10102

Re: Salary Negotiation gone sour

There is no rule here and nobody's right or wrong. Also each case is different - so what you learnt here is not going to apply to some other offer. Everything is based on need. Whichever party needs the other party more will be the more flexible one. Forget about this and look for something else. I...
by tibbitts
Mon Apr 23, 2018 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 98
Views: 10102

Re: Salary Negotiation gone sour

The lesson here is that when you negotiate, your results will vary. On balance I think negotiating experiences on Bogleheads reflect survivorship bias: people who've been the most successful at negotiating are the ones most likely to show up here. Whether being more successful reflects skill or luck...
by tibbitts
Mon Apr 23, 2018 7:35 am
Forum: Personal Finance (Not Investing)
Topic: How long does a will last? [Time to settle the estate]
Replies: 43
Views: 4094

Re: How long does a will last?

Who died (what relation)?