Search found 13208 matches

by tibbitts
Mon Apr 12, 2021 9:10 am
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 253
Views: 17622

Re: The $2000-$4000 Car :) This made me wealthy so jump on board

stoptothink wrote: Mon Apr 12, 2021 8:47 am Just saying, you increasing driving when you no longer had a long commute was 100% a choice, and something that probably greatly improved your QOL overall.
No disagreement there!
by tibbitts
Mon Apr 12, 2021 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Using only Fidelity for Retirement
Replies: 11
Views: 1555

Re: Using only Fidelity for Retirement

Anyways, thanks ahead for your feedback! I don't see why you'd expect a relationship you're not paying anything for to provide much if any detailed "advice." An exception might be if some degree of advice is built into an arrangement with your employer. But since you mentioned Roth IRA co...
by tibbitts
Mon Apr 12, 2021 8:25 am
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 253
Views: 17622

Re: The $2000-$4000 Car :) This made me wealthy so jump on board

Maybe the latest safety features provide the illusion of safety. Instead of driving into work, one could own a pogo-stick and live right next to their job. Whatever would have gone into paying for the cars can now be used toward increased housing cost. Another option is to continue to commute from ...
by tibbitts
Mon Apr 12, 2021 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Buying a townhouse (second home) what are the buyer's costs....
Replies: 2
Views: 312

Re: Buying a townhouse (second home) what are the buyer's costs....

....other than the purchase price. Which costs are negotiable? Doubt would be any advantage to a purely cash purchase with interest still very low.It has been 20+ years since I purchased a house. There's an advantage to cash purchasing if you're going to keep the mortgage balance in something that'...
by tibbitts
Sun Apr 11, 2021 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: The primary factor for picking a College/University is out of pocket cost
Replies: 133
Views: 5204

Re: The primary factor for picking a College/University is out of pocket cost

These threads always amuse me. The primary factor for picking a college for 90% of the population is finding one that's willing to accept you. The other 10% will be successful even if they never graduate from college.
by tibbitts
Sun Apr 11, 2021 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: The primary factor for picking a College/University is out of pocket cost
Replies: 133
Views: 5204

Re: The primary factor for picking a College/University is out of pocket cost

Be careful about assuming 2 years CC + 2 years state. It's easy to end up taking more than 4 years. I met one student who succumbed to particularly bad advice at the CC and was looking at 3+3. Good point: the quality of advice in navigating the complexity of requirement varies a lot. Ultimately you...
by tibbitts
Sun Apr 11, 2021 6:32 pm
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 253
Views: 17622

Re: The $2000-$4000 Car :) This made me wealthy so jump on board

I trust myself when I’m behind the wheel. 20+ year of driving, hundreds of long road trips, and hundred of thousands of miles. Driving is risky. You can control the risk by paying attention to the road, and drive defensively. I think everybody agrees automated control isn't quite there yet, but we ...
by tibbitts
Sun Apr 11, 2021 6:26 pm
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 253
Views: 17622

Re: The $2000-$4000 Car :) This made me wealthy so jump on board

Maybe the latest safety features provide the illusion of safety. Instead of driving into work, one could own a pogo-stick and live right next to their job. Whatever would have gone into paying for the cars can now be used toward increased housing cost. Another option is to continue to commute from ...
by tibbitts
Sun Apr 11, 2021 6:20 pm
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 253
Views: 17622

Re: The $2000-$4000 Car :) This made me wealthy so jump on board

I hate auto oriented sprawl land use and I think it is destroying the planet and causing harm to humans. So I recommend moving to a walkable neighborhood and using public transit instead. Electric bikes and scooters are cool too. https://www.instagram.com/best_of_berlin/?hl=en I assume you're aware...
by tibbitts
Sun Apr 11, 2021 3:14 pm
Forum: Personal Consumer Issues
Topic: Travel Trailer vs My Pickup Truck: Specs?
Replies: 46
Views: 2644

Re: Travel Trailer vs My Pickup Truck: Specs?

Huge changes since the mid 2000's for pickups and towing Definitely huge although probably more on the 3/4t and 1t. What's missing though are the "heavy half-tons" of the past, although Ford is close. So basically half-ton frames with stronger suspensions, the 8-lug wheels, higher-capacit...
by tibbitts
Sun Apr 11, 2021 1:14 pm
Forum: Personal Consumer Issues
Topic: Travel Trailer vs My Pickup Truck: Specs?
Replies: 46
Views: 2644

Re: Travel Trailer vs My Pickup Truck: Specs?

"Your 9500lb trailer would squash a new GM 1/2t like a bug, just like it would mine - just maybe with a little more of the exoskeleton left." My current 1/2 ton Chevy is rated for 9,600#'s and better equipped than our older Chevy 1/2 ton pickups were. These have better v8's, higher axle r...
by tibbitts
Sun Apr 11, 2021 12:20 pm
Forum: Personal Consumer Issues
Topic: Travel Trailer vs My Pickup Truck: Specs?
Replies: 46
Views: 2644

Re: Travel Trailer vs My Pickup Truck: Specs?

"I don't own a diesel and don't need one for any uses" Many folks that speak about diesels have never owned one. So what part of the standard narrative about diesels do you believe is not correct? I don't have experience with a new diesel truck, only trucks from a dozen years ago. Given t...
by tibbitts
Sun Apr 11, 2021 10:13 am
Forum: Personal Consumer Issues
Topic: Travel Trailer vs My Pickup Truck: Specs?
Replies: 46
Views: 2644

Re: Travel Trailer vs My Pickup Truck: Specs?

"I don't own a diesel and don't need one for any uses" Many folks that speak about diesels have never owned one. So what part of the standard narrative about diesels do you believe is not correct? I don't have experience with a new diesel truck, only trucks from a dozen years ago. Given t...
by tibbitts
Sun Apr 11, 2021 9:58 am
Forum: Personal Consumer Issues
Topic: Travel Trailer vs My Pickup Truck: Specs?
Replies: 46
Views: 2644

Re: Travel Trailer vs My Pickup Truck: Specs?

Towing is one thing. Braking is another. Don't forget about brakes. In theory as long as you are meeting the weight specifications the truck doesn't need more braking since it's provided by the trailer. Braking is augmented by the trailer - dependent upon the exact trailer brakes design (hyd/electr...
by tibbitts
Sun Apr 11, 2021 9:09 am
Forum: Personal Investments
Topic: VWAHX
Replies: 7
Views: 613

Re: VWAHX

stevej wrote: Sat Apr 10, 2021 8:54 am VWAHX...
Thanks
Nobody wants to look up a ticker symbol.
by tibbitts
Sun Apr 11, 2021 8:46 am
Forum: Personal Consumer Issues
Topic: Travel Trailer vs My Pickup Truck: Specs?
Replies: 46
Views: 2644

Re: Travel Trailer vs My Pickup Truck: Specs?

"I don't own a diesel and don't need one for any uses" Many folks that speak about diesels have never owned one. So what part of the standard narrative about diesels do you believe is not correct? I don't have experience with a new diesel truck, only trucks from a dozen years ago. Given t...
by tibbitts
Sun Apr 11, 2021 8:39 am
Forum: Personal Consumer Issues
Topic: Travel Trailer vs My Pickup Truck: Specs?
Replies: 46
Views: 2644

Re: Travel Trailer vs My Pickup Truck: Specs?

TxAg wrote: Sun Apr 11, 2021 6:44 am Towing is one thing. Braking is another. Don't forget about brakes.
In theory as long as you are meeting the weight specifications the truck doesn't need more braking since it's provided by the trailer.
by tibbitts
Sun Apr 11, 2021 8:36 am
Forum: Personal Investments
Topic: US Equity Allocation Strategy
Replies: 4
Views: 399

Re: US Equity Allocation Strategy

Below are the US Equity allocations I am considering and even though I know any of these will work and the results will likely be very close, I would like to figure out which strategy would likely give me the best Risk / Reward I don't think there is any risk/reward strategy play here by diversifyi...
by tibbitts
Sat Apr 10, 2021 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you spend in retirement compared to before? Did you budget enough?
Replies: 13
Views: 1753

Re: How much do you spend in retirement compared to before? Did you budget enough?

I retired at the end of 2019. I don't think I can say since the pandemic has changed everything from what I'd thought retirement would be. It's definitely made it less expensive. Before retirement I had commuting cost (not much, but still, gas plus wear and tear on the car) and would travel during v...
by tibbitts
Sat Apr 10, 2021 2:04 pm
Forum: Personal Consumer Issues
Topic: Travel Trailer vs My Pickup Truck: Specs?
Replies: 46
Views: 2644

Re: Travel Trailer vs My Pickup Truck: Specs?

I have a travel trailer with about the same weight. When I got the trailer, I used to tow it with a V-8 F150. This was not enough truck for anything but freeway driving in flat areas. Throw in any back roads, any hills, any less than ideal conditions and things went south quickly. I upgraded the tr...
by tibbitts
Sat Apr 10, 2021 1:00 pm
Forum: Personal Consumer Issues
Topic: Travel Trailer vs My Pickup Truck: Specs?
Replies: 46
Views: 2644

Re: Travel Trailer vs My Pickup Truck: Specs?

I have a travel trailer with about the same weight. When I got the trailer, I used to tow it with a V-8 F150. This was not enough truck for anything but For most camping and campers you are right, modern gas trucks are good enough. But even then there are still times when you want the grunt that on...
by tibbitts
Sat Apr 10, 2021 9:54 am
Forum: Personal Consumer Issues
Topic: Travel Trailer vs My Pickup Truck: Specs?
Replies: 46
Views: 2644

Re: Travel Trailer vs My Pickup Truck: Specs?

I have a travel trailer with about the same weight. When I got the trailer, I used to tow it with a V-8 F150. This was not enough truck for anything but freeway driving in flat areas. Throw in any back roads, any hills, any less than ideal conditions and things went south quickly. I upgraded the tr...
by tibbitts
Sat Apr 10, 2021 9:38 am
Forum: Personal Consumer Issues
Topic: Travel Trailer vs My Pickup Truck: Specs?
Replies: 46
Views: 2644

Re: Travel Trailer vs My Pickup Truck: Specs?

OP here. Back story now. I wanted to "dip my toe" into the RV life. An inexpensive option was to buy a small travel trailer and pull it with the truck I now drive. The advice and feedback I received here was invaluable and clear. The scenario will not work. I need a bigger truck or go the...
by tibbitts
Fri Apr 09, 2021 10:27 pm
Forum: Personal Consumer Issues
Topic: Replacing 20yrs old wooden fence and situation with neighbors
Replies: 38
Views: 4844

Re: Replacing 20yrs old wooden fence and situation with neighbors

I too have never heard of a neighbor offering to split the cost of a fence that technically doesn't belong to them. I would jump on that before they change their mind.You are very lucky. Generally whoever built their house first put up a fence on their side of the property line; it may in fact be r...
by tibbitts
Fri Apr 09, 2021 3:33 pm
Forum: Personal Consumer Issues
Topic: Replacing 20yrs old wooden fence and situation with neighbors
Replies: 38
Views: 4844

Re: Replacing 20yrs old wooden fence and situation with neighbors

I went through the fence replacement last year and unless maybe you buy in vast quantities, parts are far, far more expensive than pre-constructed. Due to shortages I had to build myself. I ended spending at least 1.5x as much as pre-constructed, even with my labor being "free", and only ...
by tibbitts
Fri Apr 09, 2021 12:03 pm
Forum: Personal Consumer Issues
Topic: Are you competitive? If so, how do you compete as you get older?
Replies: 46
Views: 2948

Re: Are you competitive? If so, how do you compete as you get older?

Apparently unlike everyone else here I was never competitive. As a kid I was the worst or nearly worst at everything I did: always in the bottom 20% or so academically and worse at sports. In college I did a little better academically but didn't participate in any sports. When I got older I felt I w...
by tibbitts
Fri Apr 09, 2021 11:36 am
Forum: Personal Consumer Issues
Topic: Laser Printer: Buy a New One?
Replies: 53
Views: 3650

Re: Laser Printer: Buy a New One?

I disagree: not a beast, unless you enjoy diagnosing and replacing parts that are not considered consumables. As I mentioned you have the nuisance of having to buy used parts (motors, etc.) and hoping they're better than the ones you spent an hour digging out of the chassis to remove. Yes, for the ...
by tibbitts
Fri Apr 09, 2021 9:43 am
Forum: Personal Consumer Issues
Topic: Laser Printer: Buy a New One?
Replies: 53
Views: 3650

Re: Laser Printer: Buy a New One?

I have an HP LaserJet 4 Plus that I purchased new in 1994 for about $1500 that is still in relatively good working order. That whole series (4/4 Plus, 5/5+, 4000/4050, 4100/4150, 4200/4250, 4300/4350) were all beasts. I got a 4100 for free when it was being retired from a bank after 10 years and 12...
by tibbitts
Fri Apr 09, 2021 9:21 am
Forum: Personal Finance (Not Investing)
Topic: How can estimated 2020 tax refund be applied to 2021 estimated tax?
Replies: 5
Views: 541

Re: How can estimated 2020 tax refund be applied to 2021 estimated tax?

It's an interesting question, but academic unless you have a very large tax bill. How much are you going to owe for 2021? If it's in the under-six-figure range for federal taxes for the year, I'd just pay your q1 estimated payments now and then deal with the rest later. Ask me when cash is paying 6%...
by tibbitts
Fri Apr 09, 2021 8:40 am
Forum: Personal Consumer Issues
Topic: Should I buy a SLR camera without a built in flash?
Replies: 90
Views: 3285

Re: Should I buy a SLR camera without a built in flash?

I don't follow NIkon so does anyone know what the two new NIkon dslr (vs. mirrorless) bodies to be introduced this year (2021) will be? I wouldn't buy a Nikon dslr without knowing that.
by tibbitts
Thu Apr 08, 2021 11:01 pm
Forum: Personal Investments
Topic: Deciding it it's worth it to buy long-term individual stocks
Replies: 57
Views: 5161

Re: Deciding it it's worth it to buy long-term individual stocks

invester123 wrote: Thu Apr 08, 2021 6:59 pm I have a tiny # of safe long term holds like AAPL. Nothing high risk.
I'm guessing you didn't hold Apple when it lost 18% in a year. Then lost 35% more the next year. Then lost 37% more the next year.
by tibbitts
Thu Apr 08, 2021 10:55 pm
Forum: Personal Investments
Topic: I cant find anything better than S&P
Replies: 67
Views: 6278

Re: I cant find anything better than S&P

newyorker wrote: Thu Apr 08, 2021 10:49 pm
Do you guys have any other suggestion where to put money?
Total market and total international.
by tibbitts
Thu Apr 08, 2021 10:52 pm
Forum: Personal Investments
Topic: Delay doing Roth conversions in crazy high market?
Replies: 8
Views: 1162

Re: Delay doing Roth conversions in crazy high market?

I was wondering if others are delaying doing Roth conversions because the market is crazy high? I have heard recommendations here along the lines to convert more when markets are low. If that advice is good, then it follows to convert less if the markets are high. Of course hard to say when the mar...
by tibbitts
Thu Apr 08, 2021 10:23 pm
Forum: Personal Consumer Issues
Topic: Replacing 20yrs old wooden fence and situation with neighbors
Replies: 38
Views: 4844

Re: Replacing 20yrs old wooden fence and situation with neighbors

I assume the parts are cheaper than pre-constructed, so take time and labor and total cost into account. I'm expecting inflation, both materials and labor so in 2 years, you might be paying 10% more for the same job. If you build it now for X dollars, in 2 years, it's good for another 18 more years...
by tibbitts
Thu Apr 08, 2021 10:13 pm
Forum: Personal Investments
Topic: HELP - How to Allocate $5M in retirement funds
Replies: 19
Views: 3127

Re: HELP - How to Allocate $5M in retirement funds

She likely will barely need to even touch her retirement money.... So realistically, most of her retirement money will likely end up going to her 2 children, and 3 grandchildren. So she said she wants it to grow, and doesn't necessarily need it to be super conservative. There is no good reason for ...
by tibbitts
Thu Apr 08, 2021 8:17 pm
Forum: Personal Investments
Topic: Just spoke w FA at VG [Financial Advisor at Vanguard]
Replies: 14
Views: 1298

Re: Just spoke w FA at VG

I am 69 with 3 million spread between Fidelity managed account , 401k, ira’s Traditional,Roth,VG Anyway looking to set up a managed account with VG. With a little over a million for now. The FA suggested a 25% US lg co. and 24% in international along with bonds. I was surprised by the 24% in intern...
by tibbitts
Thu Apr 08, 2021 7:19 pm
Forum: Personal Consumer Issues
Topic: Replacing 20yrs old wooden fence and situation with neighbors
Replies: 38
Views: 4844

Re: Replacing 20yrs old wooden fence and situation with neighbors

Wow if a neighbor is willing to share cost that's awesome. While you have that deal take it before you end up paying for the entire fence the way some of us do. Nobody cares if you have the same exact fence on both sides. That's a reasonable price. You can get more quotes of course. Get ready for do...
by tibbitts
Thu Apr 08, 2021 6:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Portfolio Watch has a new look
Replies: 90
Views: 6939

Re: Vanguard new portfolio watch tool

Has anybody used the new Vanguard portfolio watch tools? It was upgraded recently. The new tool is producing very different results compared to the old tool. Investment style & market capitalization in particular. Just curious My recollection is that in the distant past (maybe it was pre-Yodlee...
by tibbitts
Thu Apr 08, 2021 3:06 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Website
Replies: 73
Views: 5819

Re: Vanguard Website

I just logged on today. Haven't done in quite a while. Upper right corner has "Last logon: Thursday, April 08, 2021 02:24 AM ET". No way Jose. I was dead asleep at that time and no-one else has my login credentials. Should we all be concerned about a data breach????? I logged on yesterday...
by tibbitts
Thu Apr 08, 2021 1:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Website
Replies: 73
Views: 5819

Re: Vanguard Website

Hi, I just signed up here bc I need to vent about the Vanguard website. It is so opaque and unhelpful when compared to fidelity's. The first thing I see at fidelity is how much my account is up or down at a given time, and the amount I'm up or down in each holding. Also there is a wonderful chart. ...
by tibbitts
Thu Apr 08, 2021 1:37 pm
Forum: Investing - Theory, News & General
Topic: Junk bond yields vs. other bonds
Replies: 6
Views: 714

Re: Junk bond yields vs. other bonds

Currently JNK, the SPDR Bloomberg Barclays High Yield Bond ETF, is yielding just below 1%. However BND, Vanguard Total Bond Market Index Fund ETF, is yielding more than 2%. Also VGIT, Vanguard Intermediate-Term Treasury Index Fund ETF, is yielding ~1.5%. Am trying to wrap my head around why junk bo...
by tibbitts
Wed Apr 07, 2021 7:18 pm
Forum: Personal Investments
Topic: Pension curveball (new advisor, new recommendation)
Replies: 4
Views: 721

Re: Pension curveball (new advisor, new recommendation)

Well obviously everybody wants to know what investment is guaranteed to return 5-6%. Obviously since it's a stable value fund it must be some kind of annuity product. I will say that many years ago I bought an annuity product that was guaranteed to produce 6% for the duration of its deferred sales c...
by tibbitts
Wed Apr 07, 2021 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: When to hire a fee based CFP?
Replies: 12
Views: 693

Re: When to hire a fee based CFP?

Which tax codes in particular are you referring to? The special taxes surrounding retirement accounts? If so, they're not all that complicated or hard to grasp IMO. If I had taken an exam covering tax implications for retirees when I was in my 50s, I'm pretty sure I would have had a nearly perfect ...
by tibbitts
Wed Apr 07, 2021 12:51 pm
Forum: Personal Consumer Issues
Topic: Should I buy a SLR camera without a built in flash?
Replies: 90
Views: 3285

Re: Should I buy a SLR camera without a built in flash?

TN_Boy wrote: Wed Apr 07, 2021 12:29 pm Not that it matters much, but the D850 of its day was the D700 as the high-end cameras. Highest end are the single digit models (D1/D2/D3) that you can drive a nail with.
Maybe wrong but I thought the D700 wasn't available until 2008, making the D300 was the D850 of its day in 2007?
by tibbitts
Wed Apr 07, 2021 12:41 pm
Forum: Personal Investments
Topic: Large roth conversion -tax hit timing/strategies
Replies: 10
Views: 1363

Re: Large roth conversion -tax hit timing/strategies

Katietsu wrote: Wed Apr 07, 2021 6:07 am Your assumption about the amount due for the 4th quarter estimated tax payment when converting in December is wrong. Get a Form 2210. Assume your hypothetical situation and fill it out. You will see an underpayment penalty.
How would the 4q payment need to be calculated to avoid a penalty?
by tibbitts
Wed Apr 07, 2021 12:27 pm
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 253
Views: 17622

Re: The $2000-$4000 Car :) This made me wealthy so jump on board

A more frugal way to buy cars would have been to buy 2-3 year old cars and keep them 7-8 years. But, as I said, we like cars, and this has been one of our splurges. We have Bogleheads saying they've bought new cars and sold them for what they paid two years later, so the 2-3yr-old thing was perhaps...
by tibbitts
Wed Apr 07, 2021 12:15 pm
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 253
Views: 17622

Re: The $2000-$4000 Car :) This made me wealthy so jump on board

A more frugal way to buy cars would have been to buy 2-3 year old cars and keep them 7-8 years. But, as I said, we like cars, and this has been one of our splurges. We have Bogleheads saying they've bought new cars and sold them for what they paid two years later, so the 2-3yr-old thing was perhaps...
by tibbitts
Wed Apr 07, 2021 11:17 am
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 253
Views: 17622

Re: The $2000-$4000 Car :) This made me wealthy so jump on board

AS MANY ON THIS BOARD KNOW....ITS WEIRD TO WAKE UP AND JUST BE BAFFLED AT HOW LARGE YOUR RETIREMENT ACCOUNT CREW BY JUST LIVING BELOW YOUR MEANS. WE CHOSE CARS AS OUR SACRIFICE AND IT HAS WORKED OUT EXTREMELY WELL. If this was the early 1980's, you might be saying how weird it was to wake up and se...
by tibbitts
Wed Apr 07, 2021 10:38 am
Forum: Personal Consumer Issues
Topic: Should I replace 2 or 4 tires?
Replies: 55
Views: 3074

Re: Should I replace 2 or 4 tires?

Brand new tire tread depth is 8.5/32. My remaining tread depths are: 1x 3/32 1x 4/32 2x 5/32 Costco has a promo - $150 off 4 tires. Cost of each tire is $230. I plan to replace the 3/32, probably the 4/32 as well. Mathematically, would it make sense to replace the 5/32 tires at the same time? My ve...
by tibbitts
Wed Apr 07, 2021 10:32 am
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 253
Views: 17622

Re: The $2000-$4000 Car :) This made me wealthy so jump on board

I completely disagree that very low priced cars make financial sense for anyone who doesn't want to or can't repair a vehicle themselves. Almost always when someone talks about their vehicle with hundreds of thousands of miles on it but they don't d-i-y, when you ask you find out the hvac doesn't wo...