Search found 14282 matches

by tibbitts
Mon Aug 02, 2021 5:21 pm
Forum: Personal Consumer Issues
Topic: which brand auto battery
Replies: 79
Views: 4857

Re: which brand auto battery

Last spring, I read a Bogleheads post advising folks to change their batteries every 4 years (+/- some interval depending on climate) regardless of condition. I remember thinking "that sounds like good advice" but forgot about it. Three weeks later, at 4.5 years old, our car battery died ...
by tibbitts
Mon Aug 02, 2021 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Father intends to have no will. He will use named beneficiaries on accounts to distribute assets to heirs. Is this wise?
Replies: 98
Views: 7425

Re: Father intends to have no will. He will use named beneficiaries on accounts to distribute assets to heirs. Is this w

What's wrong with that? I'm actually in the process of having a new estate plan drawn up in my current state as opposed to the state where the current plan was drawn up. I'm securely providing my 1Password Emergency Kit to my new estate attorney to give to my sister, who is the executor of my will ...
by tibbitts
Sun Aug 01, 2021 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Selling a used car and buying a used car in the current car market
Replies: 12
Views: 945

Re: Selling a used car and buying a used car in the current car market

I would just own the car that fits my needs and leave it at that. It's a "want" car not a "need" car. I can wait if it makes sense. You won't know if it would make (or have made) sense until sometime in the future. My guess is that it won't matter much, so you should just do wha...
by tibbitts
Sun Aug 01, 2021 5:55 pm
Forum: Personal Consumer Issues
Topic: New two stage heating and single stage cooling trane system issues cooling the house cant lower temp much in day?
Replies: 144
Views: 5894

Re: New two stage heating and single stage cooling trane system issues cooling the house cant lower temp much in day?

Just a guess: do you have return ducts on the 2nd floor? OP says the old system worked -- so I struggle to conclude it is a duct problem unless something was disrupted. I'm guessing it's typical for airflow to be greater for a higher-capacity system. All the quotes I got involved adding at least on...
by tibbitts
Sun Aug 01, 2021 5:53 pm
Forum: Personal Consumer Issues
Topic: New two stage heating and single stage cooling trane system issues cooling the house cant lower temp much in day?
Replies: 144
Views: 5894

Re: New two stage heating and cooling trane system issues cooling the house cant lower temp much in day?

When I replaced my single stage systems to 2 stage systems, I had to replace the thermostats. Old ones were only able to control a single stage air handler. Blower speeds never came up to full cool level. I can cool an 80 degrees upstairs to 76 in less than an hour and a half with 95 degree ambient...
by tibbitts
Sun Aug 01, 2021 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Calling all doctors, kid wants to be a doctor!?
Replies: 44
Views: 4773

Re: Calling all doctors, kid wants to be a doctor!?

My daughter has decided she wants to be a doctor, specifically a GI specialist. I am relatively neutral on her career choice and realize it could change, however she is a rising senior in high school. ( I have explained to her doctors make great money but also work brutal hours ) I wasn't in the me...
by tibbitts
Sun Aug 01, 2021 12:05 pm
Forum: Personal Consumer Issues
Topic: New two stage heating and single stage cooling trane system issues cooling the house cant lower temp much in day?
Replies: 144
Views: 5894

Re: New two stage heating and cooling trane system issues cooling the house cant lower temp much in day?

When I had a problem like this in a very similar house (1700 sq ft Cape Cod) it was the thermostat that was the culprit. It got adjusted and now everything cools brilliantly. Your air conditioner was running continuously at maximum capacity, not cooling sufficiently, and "adjusting" the t...
by tibbitts
Sun Aug 01, 2021 11:47 am
Forum: Personal Finance (Not Investing)
Topic: which state to retire
Replies: 202
Views: 19979

Re: which state to retire

1) Snow bird ideas for Florida with a home in the north. This way I can file my taxes as a Florida resident I own homes in Florida and in a state with an income tax. You can't just declare yourself to be a Florida (or some other no-income-tax state) resident because you own property there; you have...
by tibbitts
Sun Aug 01, 2021 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Were your last few career years a slog?
Replies: 41
Views: 3934

Re: Were your last few career years a slog?

Based on my forecast, I think three years puts us easily over the finish line. My wife may work longer as she enjoys what she’s doing. I, however, am fed up. Working from home the last 16 months has been great and kept me enthusiastic. However, the VP of our mega Corp decided everyone has to be bac...
by tibbitts
Sun Aug 01, 2021 11:14 am
Forum: Personal Consumer Issues
Topic: Should I buy a new PC vs upgrade
Replies: 33
Views: 2082

Re: Should I buy a new PC vs upgrade

imyeti2 wrote: Sun Aug 01, 2021 5:24 am We have several personal chromebooks and office Windows laptops.
What is an "office" laptop? Does that mean a laptop running MS Office, or an employer-owned laptop used for "office" work? If used for work, are you the employer?
by tibbitts
Sun Aug 01, 2021 10:35 am
Forum: Personal Consumer Issues
Topic: New two stage heating and single stage cooling trane system issues cooling the house cant lower temp much in day?
Replies: 144
Views: 5894

Re: New two stage heating and cooling trane system issues cooling the house cant lower temp much in day?

When I had a problem like this in a very similar house (1700 sq ft Cape Cod) it was the thermostat that was the culprit. It got adjusted and now everything cools brilliantly. Your air conditioner was running continuously at maximum capacity, not cooling sufficiently, and "adjusting" the t...
by tibbitts
Sun Aug 01, 2021 10:34 am
Forum: Personal Consumer Issues
Topic: New two stage heating and single stage cooling trane system issues cooling the house cant lower temp much in day?
Replies: 144
Views: 5894

Re: New two stage heating and cooling trane system issues cooling the house cant lower temp much in day?

mortfree wrote: Sun Aug 01, 2021 10:03 am Sometimes I feel like the nest is still learning and will run the A/C non-stop.
Apparently the OP's system is running non-stop, and should be since it isn't cooling sufficiently.
by tibbitts
Sun Aug 01, 2021 9:32 am
Forum: Personal Consumer Issues
Topic: New two stage heating and single stage cooling trane system issues cooling the house cant lower temp much in day?
Replies: 144
Views: 5894

Re: New two stage heating and cooling trane system issues cooling the house cant lower temp much in day?

Sorry to hear your new system isn’t working well to cool your house. Did you replace both the compressor and the air handler? Not to sound dumb, but on the compressor and air handler (unfamiliar), are those typically automatically changed? (And are they all part of the outside unit)? The furnace an...
by tibbitts
Sun Aug 01, 2021 9:26 am
Forum: Personal Consumer Issues
Topic: New two stage heating and single stage cooling trane system issues cooling the house cant lower temp much in day?
Replies: 144
Views: 5894

Re: New two stage heating and cooling trane system issues cooling the house cant lower temp much in day?

If I'm understanding it's a single-stage air conditioner running non-stop and the temperature isn't dropping, so I don't see why there is even a discussion of thermostats.
by tibbitts
Sun Aug 01, 2021 8:55 am
Forum: Investing - Theory, News & General
Topic: Wellington Fund Reopening [also, two new active bond funds]
Replies: 22
Views: 3002

Re: New VG Multi Sector Bond Fund

Total Bond Market Fund holds no below investment grade funds. The new Multi-Sector fund can hold up to 65% of its assets in below investment grade bonds. As far as I can tell, Total Bond Market Fund holds no emerging market bonds. The new Multi-Sector fund can hold emerging markets bonds. That's a ...
by tibbitts
Sat Jul 31, 2021 11:34 pm
Forum: Personal Consumer Issues
Topic: New two stage heating and single stage cooling trane system issues cooling the house cant lower temp much in day?
Replies: 144
Views: 5894

Re: New two stage heating and cooling trane system issues cooling the house cant lower temp much in day?

I upsized from 2.5T to 3T and upgraded to a two-stage compressor. All six or seven(!) estimates I got calculated the requirements at 3T, and I added the corresponding plenum and duct capacity for the increase from 2.5T. The unit can run in stage two (highest output) for hours and not drop the temper...
by tibbitts
Sat Jul 31, 2021 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: which state to retire
Replies: 202
Views: 19979

Re: which state to retire

1) Snow bird ideas for Florida with a home in the north. This way I can file my taxes as a Florida resident I own homes in Florida and in a state with an income tax. You can't just declare yourself to be a Florida (or some other no-income-tax state) resident because you own property there; you have...
by tibbitts
Sat Jul 31, 2021 9:51 pm
Forum: Personal Investments
Topic: Stable Value, down a little bit this week
Replies: 25
Views: 2057

Re: Stable Value, down a little bit this week

I am using a megacorp 401k stable value fund for much of my "bond fund" allocation. I have been checking my value for my stable value fund weekly. This is the first time in several years since I have been watching, I have seen a small drop in value to the point it is about where it was 2 ...
by tibbitts
Sat Jul 31, 2021 10:00 am
Forum: Investing - Theory, News & General
Topic: Wellington Fund Reopening [also, two new active bond funds]
Replies: 22
Views: 3002

Re: New VG Multi Sector Bond Fund

Total Bond Market Fund holds no below investment grade funds. The new Multi-Sector fund can hold up to 65% of its assets in below investment grade bonds. As far as I can tell, Total Bond Market Fund holds no emerging market bonds. The new Multi-Sector fund can hold emerging markets bonds. That's a ...
by tibbitts
Sat Jul 31, 2021 9:35 am
Forum: Investing - Theory, News & General
Topic: VG Removing Message Center [Vanguard]
Replies: 439
Views: 24236

Re: Why is Vanguard no longer allowing customers to contact them by secure email starting August 1?

Yeah, I saw that as well. I agree, who doesn't have contact via messaging online? Ridiculous. Luckily, in 13 years I've never had to contact them. However, just look at the website/interface in comparison to something like Fidelity? They are so behind. Speaking of which, if I have an issue with Fid...
by tibbitts
Fri Jul 30, 2021 8:51 pm
Forum: Personal Consumer Issues
Topic: which brand auto battery
Replies: 79
Views: 4857

Re: which brand auto battery

Nothing wrong with the Diehard battery from Advance Auto. Last year I purchased Diehard Silver (w/2 year free replacement) for DD's car. Key is to buy online for instore pickup, but use a coupon code. I was able to find a $35 coupon code bringing cost down to $104, plus they installed in vehicle fo...
by tibbitts
Fri Jul 30, 2021 1:14 pm
Forum: Personal Consumer Issues
Topic: Do you have a "man garage" away from your home?
Replies: 62
Views: 5449

Re: Do you have a "man garage" away from your home?

I'd only be interested in a structure within maybe a three minute walking distance from my house.
by tibbitts
Fri Jul 30, 2021 1:11 pm
Forum: Personal Consumer Issues
Topic: which brand auto battery
Replies: 79
Views: 4857

Re: which brand auto battery

You missed the point. An AGM battery IS a lead acid battery. You implied that it wasn’t when you stated to change from a lead acid battery to an AGM battery. There are several types of lead acid batteries - flooded, gel, AGM, SLA, etc. This is often misunderstood. Thanks for that clarification, sin...
by tibbitts
Fri Jul 30, 2021 11:35 am
Forum: Investing - Theory, News & General
Topic: Thinking of Dropping Out of International Stock Funds
Replies: 300
Views: 19476

Re: Thinking of Dropping Out of International Stock Funds

If hold some INTL but I also believe the US (for now) has some intrinsic advantages such as capitalist tradition, well developed VC industry, solid court/legal system and global reserve currency position that are fairly unique in the world. The problem is that you have to believe that the US has mo...
by tibbitts
Thu Jul 29, 2021 4:54 pm
Forum: Investing - Theory, News & General
Topic: Thinking of Dropping Out of International Stock Funds
Replies: 300
Views: 19476

Re: Thinking of Dropping Out of International Stock Funds

Studies show that performance chasing underperforms buy and hold. Not sure who is performance chasing here then. We're talking about US vs ex-US, but both are B&H. The person who wrote they will buy EX-US if EX-US starts performing better. Yes, if after a period of time I see a fund begin to pe...
by tibbitts
Thu Jul 29, 2021 2:55 pm
Forum: Personal Investments
Topic: Personal Advisor Service
Replies: 13
Views: 993

Re: Personal Advisor Service

We are fully retired with no more tax advantaged accounts. Therefore our distributions are taxed as income. It's not clear what you mean by "no more tax advantaged accounts" since you then reference an IRA. Distributions from tax deferred accounts will be taxed as income; only a portion i...
by tibbitts
Thu Jul 29, 2021 2:44 pm
Forum: Investing - Theory, News & General
Topic: Close to retirement - locking in gains with each new market high
Replies: 177
Views: 14419

Re: Close to retirement - locking in gains with each new market high

Or if you had sufficient assets to put 25 or 30 years of expenses in cash equivalents and then invest the rest of your portfolio in stocks for growth, that is a reasonable way to go (per Wm. Bernstein’s suggestion). That is a real “sleep well at night” portfolio. Sleeping with that much in cash equ...
by tibbitts
Thu Jul 29, 2021 2:39 pm
Forum: Personal Consumer Issues
Topic: which brand auto battery
Replies: 79
Views: 4857

Re: which brand auto battery

Walmart EverStart Maxx has a 3 year replacement and a 2 year pro-rated warranty. Most people fail to adequately test car batteries before replacing them. Also, many modern vehicles have sophisticated battery sensing and charging systems that can require a reset and relearn process to properly maint...
by tibbitts
Thu Jul 29, 2021 2:38 pm
Forum: Personal Consumer Issues
Topic: which brand auto battery
Replies: 79
Views: 4857

Re: which brand auto battery

I usually get mine at Costco but this last time they gave me a hard time because I was getting a bigger battery than the one that came in my car. They cut the warranty period down. I have the same issues with getting non factory tire sizes there too. How did they know your OEM battery size? I just ...
by tibbitts
Thu Jul 29, 2021 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Is this a viable path to the CFP?
Replies: 22
Views: 1899

Re: Is this a viable path to the CFP?

One more comment, Larry Swedroe said that if you want to get into the Advisory business, the credential that you want is the Certified Financial Planner. Except that to some extent you already have to be in the business, in one role or another, to obtain a CFP. So I'm guessing he really meant if yo...
by tibbitts
Thu Jul 29, 2021 1:17 pm
Forum: Personal Consumer Issues
Topic: which brand auto battery
Replies: 79
Views: 4857

Re: which brand auto battery

Just picked up an Interstate battery for my F-150 at Costco ...... 850 CCA ........ 3-year warranty ....... $99.99. David It's important for everyone to realize that things like CCA for similar battery technologies are somewhat based on physical size. So if someone goes shopping for 850CCA @ $100 f...
by tibbitts
Thu Jul 29, 2021 1:14 pm
Forum: Investing - Theory, News & General
Topic: Close to retirement - locking in gains with each new market high
Replies: 177
Views: 14419

Re: Close to retirement - locking in gains with each new market high

Or if you had sufficient assets to put 25 or 30 years of expenses in cash equivalents and then invest the rest of your portfolio in stocks for growth, that is a reasonable way to go (per Wm. Bernstein’s suggestion). That is a real “sleep well at night” portfolio. Sleeping with that much in cash equ...
by tibbitts
Thu Jul 29, 2021 12:30 pm
Forum: Investing - Theory, News & General
Topic: Close to retirement - locking in gains with each new market high
Replies: 177
Views: 14419

Re: Close to retirement - locking in gains with each new market high

It seems like 50/50 was once well accepted here and is now on the fringe of being irrationally conservative. I have 50/50 equity vs. cash/bonds now, although it depends on how I count things like EM and HY and floating rate bonds, and whether I subtract for cash I have saved for taxes on Roth conver...
by tibbitts
Thu Jul 29, 2021 12:02 pm
Forum: Personal Consumer Issues
Topic: which brand auto battery
Replies: 79
Views: 4857

Re: which brand auto battery

I have had excellent luck buying a reconditioned battery directly from an Interstate battery store. If I don't have time to drive the half hour there, I'll look carefully at Wal Mart inventory. Just like clothing and cars and oil containers, battery labels and graphics change year to year. What? Yo...
by tibbitts
Thu Jul 29, 2021 10:37 am
Forum: Investing - Theory, News & General
Topic: Waiting for 10% market pullback, to do conversion
Replies: 52
Views: 7139

Re: Waiting for 10% market pullback, to do conversion

[ If it is not "timing the market", why not do it today? That's my point.... If it isn't tax advantageous, there's no reason to convert in the first place. It's possible you could determine that a conversion would likely be tax-advantageous after a large market decline, but not (maybe eve...
by tibbitts
Thu Jul 29, 2021 10:34 am
Forum: Investing - Theory, News & General
Topic: Waiting for 10% market pullback, to do conversion
Replies: 52
Views: 7139

Re: Waiting for 10% market pullback, to do conversion

The best reason to wait, of course, is if the amount you want to convert varies with income during the year. It's the same reason I always waited to do IRA contributions, so I wouldn't be one of the hundreds of Bogleheads who post every year asking what to do with their mistaken contributions. Of co...
by tibbitts
Thu Jul 29, 2021 10:22 am
Forum: Investing - Theory, News & General
Topic: Thinking of Dropping Out of International Stock Funds
Replies: 300
Views: 19476

Re: Thinking of Dropping Out of International Stock Funds

Sounds like you have Enough. Jack would be pleased and would say Stay the course. An interesting question to pose to Bogle if we could would be whether he'd still favor stay-the-course if a particular investor's course for a very long time had been, say, ex-US at market cap weight. To me it seems l...
by tibbitts
Thu Jul 29, 2021 10:02 am
Forum: Investing - Theory, News & General
Topic: Thinking of Dropping Out of International Stock Funds
Replies: 300
Views: 19476

Re: Thinking of Dropping Out of International Stock Funds

It doesn't hide (or address) the cyclic nature, it isn't meant to make the point that international is *better* over the long haul. Are we reading the same international threads? Give me a few quotes where somebody says ex-US will provide better returns than US "over the long haul"? Some ...
by tibbitts
Thu Jul 29, 2021 9:46 am
Forum: Personal Investments
Topic: Vanguard Processing Fees Negotiable?
Replies: 22
Views: 1747

Re: Vanguard Processing Fees Negotiable?

With respect to transfer fees, though, various brokerages will reimburse fees to transfer retirement accounts (for example) from another firm to them. To the extent that Vanguard imposes fees on outgoing transfers (don't recall what - if any - they would impose) the receiving custodian/brokerage ca...
by tibbitts
Thu Jul 29, 2021 9:42 am
Forum: Personal Investments
Topic: Vanguard Processing Fees Negotiable?
Replies: 22
Views: 1747

Re: Vanguard Processing Fees Negotiable?

There are forums regarding credit cards where people continually opine about their experiences receiving "upgrades" (whatever that means), lower interest rate, waiving of annual fees, etc.. with different credit card issuers and banks? Since this forum is titled "Bogleheads.org"...
by tibbitts
Wed Jul 28, 2021 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Is this a viable path to the CFP?
Replies: 22
Views: 1899

Re: Is this a viable path to the CFP?

It seems like a lot of Bogleheads have a somewhat romanticized view of what working as an adviser would be. I personally know of only two people who have become advisers, so I don't have personal experience, but that's my impression. Would you really be comfortable hitting up friends and family for ...
by tibbitts
Wed Jul 28, 2021 8:53 pm
Forum: Personal Consumer Issues
Topic: which brand auto battery
Replies: 79
Views: 4857

Re: which brand auto battery

I have an Advance Auto near me. They sell the DieHard Gold and DieHard Silver. I won't touch the batteries Walmart sells. At least at various times I believe Walmart and DieHard batteries have been produced by the same company so I don't think there's any reason to reject a Walmart battery. I've ha...
by tibbitts
Wed Jul 28, 2021 8:02 pm
Forum: Personal Investments
Topic: Vanguard Processing Fees Negotiable?
Replies: 22
Views: 1747

Re: Vanguard Processing Fees Negotiable?

There are forums regarding credit cards where people continually opine about their experiences receiving "upgrades" (whatever that means), lower interest rate, waiving of annual fees, etc.. with different credit card issuers and banks? Since this forum is titled "Bogleheads.org"...
by tibbitts
Wed Jul 28, 2021 5:53 pm
Forum: Personal Investments
Topic: Rollover from traditional to rollover IRA
Replies: 28
Views: 1667

Re: Rollover from traditional to rollover IRA

So to clarify you didn't roll over directly from the employer plan to this IRA? Is Vanguard saying you made a mistake with the rollover, or that there was nothing you could have done to have the rollover recorded correctly?
by tibbitts
Wed Jul 28, 2021 1:55 pm
Forum: Personal Investments
Topic: Parent's Retirement Funds in a mess
Replies: 33
Views: 4462

Re: Parent's Retirement Funds in a mess

Obviously payback periods vary, but for example when I bought a year of pension service, it was going to take me 13 years to pay back... not even counting the loss of income along the way. But that implies annuitization, so that's really a different decision than where to accumulate funds before an...
by tibbitts
Wed Jul 28, 2021 12:31 pm
Forum: Personal Investments
Topic: Parent's Retirement Funds in a mess
Replies: 33
Views: 4462

Re: Parent's Retirement Funds in a mess

I'm curious to what the OP finds out on the annuity. I have been helping a good friend organize their finances and they have several non-qualified annuities. I've been reading through the available information but am coming up short of really understanding what the payout phase is. Two of the annui...
by tibbitts
Wed Jul 28, 2021 9:32 am
Forum: Personal Investments
Topic: Parent's Retirement Funds in a mess
Replies: 33
Views: 4462

Re: Parent's Retirement Funds in a mess

- No to the annuity. A very hard NO. Nephew is working the family and friends contact list - nothing wrong with that, but preserve the relationship (and their money) by not blending the two in a less than ideal product - and yes, an annuity is. *product*, with heavy commission in this case. It’s th...
by tibbitts
Tue Jul 27, 2021 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Logging into TreasuryDirect w/ forgotten password
Replies: 14
Views: 1155

Re: Logging into TreasuryDirect w/ forgotten password

Hello, I have a very old (10+ years) TreasuryDirect account. I have the authentication card, but not the original account number (just the masked version on the letter with the authentication card). There are no funds in the account, but I'd like to use it to purchase bonds going forward. I have ac...
by tibbitts
Tue Jul 27, 2021 11:01 pm
Forum: Personal Investments
Topic: How to make up for a non COLA pension?
Replies: 24
Views: 2494

Re: How to make up for a non COLA pension?

My pension was non-cola as well. I took the lump sum, which was increased by about 11% for 2021 due to low interest rates. Check your lump sum and do some arithmetic to determine if taking lump sum is advantageous. Need to do an IRR calculation, assuming years of retirement. Sorry if I'm missing so...
by tibbitts
Tue Jul 27, 2021 10:43 pm
Forum: Personal Investments
Topic: Parent's Retirement Funds in a mess
Replies: 33
Views: 4462

Re: Parent's Retirement Funds in a mess

I edited the original post with cola and survivor ship benefits, etc. The PAS seems like it might be a good fit. We won't do anything until we get a better understanding of the current annuity. Definitely as you say fully understand the current annuity. Sometimes Bogleheads have an instinctive reac...