Search found 7748 matches

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: 5613

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: 47
Views: 4117

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: 2011

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,...
by tibbitts
Sat Jul 07, 2018 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: What rate of return are you using for retirement projections?
Replies: 99
Views: 9520

Re: What rate of return are you using for retirement projections?

ronhh wrote:
Sat Jul 07, 2018 9:12 am
And I should mention, from a portfolio allocation standpoint, I plan to be about 40% Vanguard Stock Index Fund(s); 40% Vanguard Bond Index Fund(s); and 20% cash and near cash (money market/CD's)
Wow you're very y optimistic at 3.5 - 4.5% with that allocation. I'm assuming you mean nominal.
by tibbitts
Sat Jul 07, 2018 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: No minimum for VTMSX in an IRA??? [Vanguard Tax-Managed Small Cap]
Replies: 3
Views: 392

Re: No minimum for VTMSX in an IRA??? [Vanguard Tax-Managed Small Cap]

For those not familiar, VTMSX is vanguard’s tax managed small cap admiral fund, which tracks the S&P 600 index. I invest in this fund in my taxable account. I was looking at my rebalancing options, and I happened to notice that vanguard does not list a minimum for IRAs for this fund: https://invest...
by tibbitts
Sat Jul 07, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: direct deposit while working 1099
Replies: 13
Views: 675

Re: direct deposit while working 1099

This is one of those threads where we all tend to assume that whatever has been true for us is true for most people.

In general I will say that 1099 is not exactly a "paycheck" and net 30 is pretty typical. And it's not like payroll - you don't come first if there's a cash flow issue.
by tibbitts
Sat Jul 07, 2018 11:48 am
Forum: Investing - Theory, News & General
Topic: Where is the USA domestic investor ?
Replies: 11
Views: 1151

Re: Where is the USA domestic investor ?

So, here is the thing that I think is missing from the discussion: what proportion of the business done by (say) S&P 500 companies is entirely domestic USA ? Or are they really international companies ? It's only been missing if you haven't been reading the forum. It seems like every other post men...
by tibbitts
Sat Jul 07, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 162
Views: 19740

Re: Replace car battery after X years or wait till it dies?

I used to replace my batteries proactively but haven't lately and unlike in the past have lost track of how old my batteries are. I shouldn't do that - I should mark them (some batteries used to have the warranty start date marked on them.) Same with the oil, I lose track of that now too, never used...
by tibbitts
Sat Jul 07, 2018 10:31 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Annuities and FIRE
Replies: 8
Views: 773

Re: TIAA Annuities and FIRE

I'm considering an employment switch with a dramatically different retirement package. Life goal: in 15 years, FIRE at age 50 years old Current plan:401(k), mega-backdoor 401(k), and 409(a) 'top hat' (a non-ERISA 401(k)-like plan with no age distribution limit) ^ This plan package fits my goal nice...
by tibbitts
Sat Jul 07, 2018 10:08 am
Forum: Investing - Theory, News & General
Topic: Fund Spy - The Vanguard Group Rules
Replies: 6
Views: 1251

Re: Fund Spy - The Vanguard Group Rules

Thanks for the link. I immediately went to see what the "challenges and shortcomings" were :D , and there were the expected mentions of customer service and technology issues, along with outflows from actively managed funds. This one surprised me: Finally, Vanguard could do more to encourage its ma...
by tibbitts
Sat Jul 07, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: Which advanced tech is necessary in cars?
Replies: 86
Views: 4618

Re: Which advanced tech is necessary in cars?

I have rented cars with things like blind spot warning and backup cameras and they're amazing, I wish I had them.

On the other hand having the engine turn off when you stop with no option to disable that feature is stupid.
by tibbitts
Sat Jul 07, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: Replacing only 2 tires out of 4?
Replies: 18
Views: 1447

Re: Replacing only 2 tires out of 4?

Why can't you buy the same model as the original?
by tibbitts
Thu Jul 05, 2018 11:32 pm
Forum: Investing - Theory, News & General
Topic: Morningstar: prepare for a lost decade for U.S. stocks
Replies: 198
Views: 18880

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

This post is trollbait. Nobody know what future stock returns will be. Why are posts like this allowed? I don't agree at all that the post is trollbait. People who are well-respected on the forum, even Bogle, make predictions all the time, and we discuss them. What's different about this prediction...
by tibbitts
Wed Jul 04, 2018 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: Skillful at saving but not investing
Replies: 37
Views: 3857

Re: Skillful at saving but not investing

RE: "Vanguard PAS can help you" We set up an introductory telephone appt. a couple of months ago with Vanguard PAS, but didn't take it to the next level. The advisor assigned to us is 34 (which didn't concern us) but we were hoping for someone who had more experience with Vanguard than "2017–presen...
by tibbitts
Wed Jul 04, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 6369

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

I believe if you do buy a 2500 or3500 gas truck you will find the following: - ride is much rougher - height will not go into garage due to 5-6" taller (at least in my garage) - suspension increases capacity adds height with spring rated , even more if equipped to plow. - handling and turning circl...
by tibbitts
Wed Jul 04, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 6369

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

I used to own a Silverado 1500 but if I had to do it over again I wouldn't get a half-ton full-sized pickup. A 3/4 or 1-ton is exactly the same size but has more capacity - and doesn't cost much more. On the other hand I do see the appeal of smaller trucks. Hello tibbtts, I do not know your experie...
by tibbitts
Sun Jul 01, 2018 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Feel like I'm sinking money into international
Replies: 100
Views: 11155

Re: Feel like I'm sinking money into international

+1 nor I. But hey, maybe Munger, Buffet and Bogle, three of the smartest investing minds of the last hundred years are wrong. Maybe....but I sincerely doubt it. [/quote] It'd be great if we got the one hundred years they had but we don't. [/quote] But to some extent probably we know about Munger an...
by tibbitts
Sun Jul 01, 2018 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Feel like I'm sinking money into international
Replies: 100
Views: 11155

Re: Feel like I'm sinking money into international

I am with you on this, and have tilted towards US stocks for the past 5-6 years. This is personal preference but seems to have worked out for me thus far. However, I won't be surprised if the Int'l investing community has an "i told you so" moment in the near future :wink: FWIW, one of my favorite ...
by tibbitts
Sun Jul 01, 2018 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Timing of rollover of Vanguard Institutional Index Fund (VINIX) in 403(b)?
Replies: 14
Views: 621

Re: Timing of rollover of Vanguard Institutional Index Fund (VINIX) in 403(b)?

I once did a transfer of shared between taxable accounts (different ownership) within Vanguard. They still couldn't tell me when the transfer would occur - not even down to the week when it would occur. You can't do inter-owner transfers (which aren't taxable events) online. I'd thought they could (...
by tibbitts
Sun Jul 01, 2018 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Timing of rollover of Vanguard Institutional Index Fund (VINIX) in 403(b)?
Replies: 14
Views: 621

Re: Timing of rollover of Vanguard Institutional Index Fund (VINIX) in 403(b)?

Are you sure you have to cash out and have a check sent? I agree this is important to know. In my experience this type of transition has been seamless to me. Even if "seamless" the various parts of the process tends to happen at unpredictable times, which is why you need to move to cash-like invest...
by tibbitts
Sun Jul 01, 2018 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Timing of rollover of Vanguard Institutional Index Fund (VINIX) in 403(b)?
Replies: 14
Views: 621

Re: Timing of rollover of Vanguard Institutional Index Fund (VINIX) in 403(b)?

I work for a hospital system that was acquired by another hospital system. Our old 403(b) is being discontinued. We're being told that we *have to* rollover the funds or otherwise obtain a full distribution from the 403(b). The new hospital system offers a 401(k), for which I am now enrolled. I hav...
by tibbitts
Sun Jul 01, 2018 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: eliminating traditional IRA basis
Replies: 9
Views: 690

Re: eliminating traditional IRA basis

I'd like to eliminate her 8606 from my life. Can I empty the entire small tIRA one year, file the 8606 declaring the basis gone, then move the 401(k) into a new tIRA account the next year and declare no basis and thus no 8606s from then on? Yes, you can. I'm not sure what @tibbitts is writing about...
by tibbitts
Sun Jul 01, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: eliminating traditional IRA basis
Replies: 9
Views: 690

Re: eliminating traditional IRA basis

Having three IRAs I'm not sure it would be worth rolling to a 401k to get rid of the 8606 requirement, even if I had the ability to do that. That's a choice of two evils. It seems like legislation could fix this easily but I don't see it being a common enough problem that it will ever be resolved.
by tibbitts
Sun Jul 01, 2018 8:02 am
Forum: Personal Consumer Issues
Topic: replace old central AC unit?
Replies: 32
Views: 2433

Re: replace old central AC unit?

My first question would be, has the system been properly maintained? By this I mean fully checked out each spring (for the cooling season) and fall (for the heating season). A competent HVAC dealer will clean everything within the system (blower, condensation coil and condenser unit) and check its ...
by tibbitts
Sat Jun 30, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: Tracfone (GPS) Service Problems?
Replies: 3
Views: 368

Re: Tracfone (GPS) Service Problems?

I have been using Tracfone Cell Phone service for a number of years. Of late, GPS (via Google Maps) service has been sporadic. I use Alcatel cell phone. Any assistance in diagnosing this issue would be appreciated. With both wifi and cell data off, the phone can either produce your GPS coordinates ...
by tibbitts
Sat Jun 30, 2018 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard is really pushing their Personal Adviser Service
Replies: 65
Views: 6393

Re: Vanguard is really pushing their Personal Adviser Service

You must be kidding me, you really think it’s a bait and switch? Did she sign a contract that said “we will give you a free update every year”? Every customer has certain expectations but that doesn’t mean they have to be met, some expectations border on the ridiculous (not saying your sisters is),...
by tibbitts
Sat Jun 30, 2018 11:04 am
Forum: Investing - Theory, News & General
Topic: Why is warren buffet okay with no owning any bonds?
Replies: 48
Views: 4669

Re: Why is warren buffet okay with no owning any bonds?

Warren buffet calls bonds a very dangerous investments and does not own any bonds. How is he okay with not owning any bonds at his age? Can we own 100% stocks at later years of our lives? If your goal is to maximize your wealth over long periods of time, stocks can be expected to do better than bon...
by tibbitts
Sat Jun 30, 2018 7:36 am
Forum: Investing - Help with Personal Investments
Topic: Feel like I'm sinking money into international
Replies: 100
Views: 11155

Re: Feel like I'm sinking money into international

Began investing in 2013 with an allocation of 25% in total international. As most of my investments are in retirement accounts, my IPS tells me to rebalance with new investments. For example, as of today, I have to put in another 10k to make it 25% despite just sticking all of my 2018 IRA contribut...
by tibbitts
Sat Jun 30, 2018 7:28 am
Forum: Investing - Help with Personal Investments
Topic: Feel like I'm sinking money into international
Replies: 100
Views: 11155

Re: Feel like I'm sinking money into international

Began investing in 2013 with an allocation of 25% in total international. As most of my investments are in retirement accounts, my IPS tells me to rebalance with new investments. For example, as of today, I have to put in another 10k to make it 25% despite just sticking all of my 2018 IRA contribut...
by tibbitts
Sat Jun 30, 2018 7:21 am
Forum: Investing - Help with Personal Investments
Topic: Feel like I'm sinking money into international
Replies: 100
Views: 11155

Re: Feel like I'm sinking money into international

I believe Vanguard recommends 40% of your equities in International . Isn't it too high? You are assuming there is a correct number. The only possible argument might be for a global weight in which case Vanguard is low. Or if you make rough adjustments for cost differences and taxation, then maybe ...
by tibbitts
Fri Jun 29, 2018 5:23 pm
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 6369

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

I used to own a Silverado 1500 but if I had to do it over again I wouldn't get a half-ton full-sized pickup. A 3/4 or 1-ton is exactly the same size but has more capacity - and doesn't cost much more. On the other hand I do see the appeal of smaller trucks. Hello tibbtts, I do not know your experie...
by tibbitts
Thu Jun 28, 2018 7:45 pm
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 6369

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

I used to own a Silverado 1500 but if I had to do it over again I wouldn't get a half-ton full-sized pickup . A 3/4 or 1-ton is exactly the same size but has more capacity - and doesn't cost much more. On the other hand I do see the appeal of smaller trucks. I'm not sure what you are trying to say ...
by tibbitts
Thu Jun 28, 2018 6:27 pm
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 6369

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

I used to own a Silverado 1500 but if I had to do it over again I wouldn't get a half-ton full-sized pickup. A 3/4 or 1-ton is exactly the same size but has more capacity - and doesn't cost much more. On the other hand I do see the appeal of smaller trucks.
by tibbitts
Tue Jun 26, 2018 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Timing exit from megacorp
Replies: 54
Views: 5976

Re: Timing exit from megacorp

I don't understand the question. Where I work you have to begin the retirement process essentially four months before you retire. It's a process with various deadlines along the way. You can leave before four months, but that's... well, just leaving, not retiring.
by tibbitts
Sun Jun 24, 2018 11:15 am
Forum: Investing - Theory, News & General
Topic: Anti Indexing investment
Replies: 15
Views: 1590

Re: Anti Indexing investment

Say you are interested investing in companies that have smaller pie in index funds (say bottom half of SP500 or total index etc...). Other approach may be equal weighted funds or invest in companies that are not well represented in more popular funds. What options are available and how would one go...
by tibbitts
Sun Jun 24, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 179
Views: 15034

Re: "Open Social Security" calculator: feature requests, bug reports, etc

I feel that all the calculators should default to current law with projections for payout reductions, but also include demographic projections after that which may restore some funding without any changes to the law. In reality I'm sure changes to the law will be made but if I had to guess the net r...
by tibbitts
Sat Jun 23, 2018 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Need 3% Steady Income from $1.1 Mil Nest Egg
Replies: 30
Views: 4345

Re: Need 3% Steady Income from $1.1 Mil Nest Egg

What can we do to protect ourselves from the buffeting of trade wars, inflation, rising interest rates, the upcoming recession and volatility?
100% TIPS.
by tibbitts
Fri Jun 22, 2018 7:00 pm
Forum: Personal Consumer Issues
Topic: Surprise - Costco sells - but does not install vehicle batteries
Replies: 85
Views: 5887

Re: Surprise - Costco sells - but does not install vehicle batteries

My point is simply that if you have a reasonable awareness of the condition of your car, you shouldn't find yourself with a dead battery in need of replacement. Almost always your car will show signs that a battery is ready to replace, and they occur well before it will strand you on the road. You ...
by tibbitts
Thu Jun 21, 2018 11:42 pm
Forum: Personal Consumer Issues
Topic: Surprise - Costco sells - but does not install vehicle batteries
Replies: 85
Views: 5887

Re: Surprise - Costco sells - but does not install vehicle batteries

One trick of doing your own is to use a memory saver plugged into a cigarette lighter outlet to maintain your radio presets and other computer memory while you are swapping the main battery. Last time I rigged my own with a nine volt battery and old phone charger. Just cut off the phone end, strip ...
by tibbitts
Thu Jun 21, 2018 11:38 pm
Forum: Personal Consumer Issues
Topic: Surprise - Costco sells - but does not install vehicle batteries
Replies: 85
Views: 5887

Re: Surprise - Costco sells - but does not install vehicle batteries

Battery experiences will vary greatly, but unless you have contrary experience with a particular model: - You definitely want to keep power to the ecu, radio etc. It seems that some people report mixed results with the 9v power supplies so now you've got to have a second 12v battery. Or you need som...
by tibbitts
Thu Jun 21, 2018 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 21068

Re: Can you retire on $2M?

In doing the math, it seems like if you're 40 with $2M you could possibly retire. $2M @ 8% interest annually for 40 years (die at 100 years old) yields you $161,000 annually. You may not draw $161,000 to start, maybe you draw $60,000 and therefore grow your overall pot over 40 years. Then again, if...
by tibbitts
Thu Jun 21, 2018 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International Fund
Replies: 16
Views: 1935

Re: Vanguard Total International Fund

yousha wrote:
Thu Jun 21, 2018 4:37 pm
I am disappointed at its performance over the years (5). Interestingly, many financial "experts" continue to recommend it. Why?
How would you have felt about the performance of any equity fund for the five years ending 2008/9? Would you have sold all your equity funds?
by tibbitts
Tue Jun 19, 2018 11:41 pm
Forum: Investing - Help with Personal Investments
Topic: Safe Growth Strategy
Replies: 11
Views: 1190

Re: Safe Growth Strategy

62 years old married. Retired with more than enough income($10,000/ month tax free. Combined home and vacation home value of 1.5 m - no mortgage. Kids college done. Have approximately $600,000 liquid cash. Not looking for crazy profits, but don’t want it to languish either. What would be the safest...
by tibbitts
Tue Jun 19, 2018 11:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Fund Yield reached 1.99% today
Replies: 18
Views: 3867

Re: Vanguard Prime Fund Yield reached 1.99% today

It's just sad that we're so pleased to see 2% - still at/below inflation, especially after taxes.
by tibbitts
Sun Jun 17, 2018 3:08 pm
Forum: Investing - Theory, News & General
Topic: Are Vanguard's actively managed funds better?
Replies: 11
Views: 1750

Re: Are Vanguard's actively managed funds better?

Some Vanguard managed funds are better than relative index funds, most notably Vanguard Wellington (VWELX - Investor Shares - 60% to 65% stocks / 40% to 35% bonds) and Vanguard Wellesley Income (VWINX - Investor Shares - 35% to 40% stocks / 65% to 60% bonds ). Supporting data follows. _____________...
by tibbitts
Sun Jun 17, 2018 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Take Advantage of Stable Value Fund?
Replies: 22
Views: 1403

Re: Take Advantage of Stable Value Fund?

LT Treasury is pretty unusual for your bond allocation. Are you aware of the duration risk? I have access to TIAA Traditional in my plan which I use for a portion of my bond/fixed income allocation, however the yield is 4%. Personally I would not do the Stable Value with only 2.2% yield. That is ba...
by tibbitts
Sun Jun 17, 2018 12:36 pm
Forum: Investing - Theory, News & General
Topic: how can i determine if Wellington only takes long stock positions?
Replies: 9
Views: 480

Re: how can i determine if Wellington only takes long stock positions?

I scanned their prospectus and I did could not find any information relating to this issue. I don't know but don't believe there's a rule that prevents it. Why would you care if the fund does or doesn't take other-than-long positions, since with an active fund you are essentially deferring to the w...
by tibbitts
Sun Jun 17, 2018 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Take Advantage of Stable Value Fund?
Replies: 22
Views: 1403

Re: Take Advantage of Stable Value Fund?

[I think the comments about a long term horizon are irrelevant as no one should suggest a 30 year investment in a stable value fund. However with interest rates apparently expected to rise over the next year or two the stable income seems like a good choice now.I am uncertain when you should switch...
by tibbitts
Sun Jun 17, 2018 10:33 am
Forum: Personal Finance (Not Investing)
Topic: can we afford to spend $20K on travel annually
Replies: 89
Views: 7197

Re: can we afford to spend $20K on travel annually

So my thought is that people in the position of the OP work a lot to earn the salaries that they do so I'm guessing the constraint is either working or being on-call maybe 360 days a year. For me I make a small fraction as much and my employer might be equally well off if I show up or don't, so of c...
by tibbitts
Sun Jun 17, 2018 9:32 am
Forum: Investing - Help with Personal Investments
Topic: Beginner's first stock suggested purchase
Replies: 5
Views: 337

Re: Beginner's first stock suggested purchase

I opened up an account that has $100. They say in a seminar I went through that I can purchase even a stock to start off as low as $50. What should I look for and what is a decent fee for the transaction to buy. I am looking more of a long but steady possible income so I want to get a feel for how ...