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Re: Foodsaver use

investor1 wrote:The bags need to have bumps on them. They provide channels for the air to get sucked out. Bags without them won't work.
Thanks for that info. I was not aware, but, it makes sense.
by CABob
Sat Feb 28, 2015 8:41 pm
 
Forum: Personal Consumer Issues
Topic: Foodsaver use
Replies: 8
Views: 326

Re: Foodsaver use

I have a Foodsaver sealer bought at Costco (for more than $59) and I usually get the job of repackaging and sealing meat (usually from Costco). I have used brands of bags other than Foodsaver and they have worked fine. In fact I seemed to like them better than Foodsaver brand. Make sure they are mad...
by CABob
Sat Feb 28, 2015 4:17 pm
 
Forum: Personal Consumer Issues
Topic: Foodsaver use
Replies: 8
Views: 326

Re: Questions to ask a living trust attorney during initial

My questions for the attorney are mostly to guage their qualification and honesty... here are few of the questions I plan to ask: [*]Tell her that I am looking for a living trust document to avoid probate & one that has provision for guardianship if I become incapacitated. I would think the fir...
by CABob
Fri Feb 27, 2015 4:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Questions to ask a living trust attorney during initial meet
Replies: 14
Views: 863

Re: How does one increase their typing speed and accuracy?

(no peeking - teacher used to hold a piece of paper above our hands), I find the discussions about shielding the keyboard from sight interesting. When I took typing in high school the keys on the typewriters were blank. (Does that mean I am showing my age?) Does anyone make a computer keyboard with...
by CABob
Fri Feb 27, 2015 1:09 pm
 
Forum: Personal Consumer Issues
Topic: How does one increase their typing speed and accuracy?
Replies: 57
Views: 2028

Re: "The world's largest non-commercial financial forum".

One question always lingered in my mind. There are costs to maintaining and running a forum as this. Who/How does the funding part work? If you look over on the left side of the main screen you will see a link to make an Amazon purchase for which a portion goes to maintain the site and also a link ...
by CABob
Fri Feb 27, 2015 1:03 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: "The world's largest non-commercial financial forum".
Replies: 29
Views: 2112

Re: Recommend a quality (and reasonably priced) knife set

Confession time! :shock: I also sometimes wash my Chicago and other knives in the dishwasher even though I know I shouldn't. After 25 years I believe the blades are still in good shape, but, the wood handles have dried out some. I occasionally put some mineral oil on the handles which is helpful. I ...
by CABob
Thu Feb 26, 2015 6:53 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a quality (and reasonably priced) knife set
Replies: 64
Views: 2381

Re: "The world's largest non-commercial financial forum".

I would rather be part of the "best" investment forum and whether it is the largest is of much less significance.
by CABob
Thu Feb 26, 2015 4:48 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: "The world's largest non-commercial financial forum".
Replies: 29
Views: 2112

Re: Need outside advice on new truck

I have spoken with different dealerships and they all say once my truck hits 100k miles the value will drop a good bit for my trade in. I asked a barber if I needed a haircut and he said I did. Also he told me that the price for a haircut MIGHT go up in a couple of weeks. :twisted: I have trouble a...
by CABob
Thu Feb 26, 2015 4:39 pm
 
Forum: Personal Consumer Issues
Topic: Need outside advice on new truck
Replies: 23
Views: 1098

Re: Recommend a quality (and reasonably priced) knife set

For those who recommended Cutco knives, I see that some of their knives have an edge that appears to be similar to a serrated edge often found on cheaper knives that I have found to "tear" meat rather than cut. So how do you like the Cutco serrated edge and how is it to sharpen and hone?
by CABob
Thu Feb 26, 2015 2:49 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a quality (and reasonably priced) knife set
Replies: 64
Views: 2381

Re: Should you tip when picking up takeout food?

I'm sure you will get a difference of opinions and it seems to be similar to the discussions on tipping at a normally take-out place. I don't often get take-out food at a normally sit-down restaurant, but I think my answer is the same. I usually do not tip in this circumstance. In a sit-down restaur...
by CABob
Thu Feb 26, 2015 12:30 pm
 
Forum: Personal Consumer Issues
Topic: Should you tip when picking up takeout food?
Replies: 54
Views: 3540

Re: Recommend a quality (and reasonably priced) knife set

We have been using a group of Chicago Cutlery knives for probably 25 years and think they are great although DW thinks that perhaps they should be replaced. I have seen some in the stores recently and see that they (or at least some) are now imported. I wonder if the quality has suffered. Costco has...
by CABob
Wed Feb 25, 2015 2:06 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a quality (and reasonably priced) knife set
Replies: 64
Views: 2381

Re: Tax Quiz

80%. Flexible spending accounts are after my time, and I disagree about the worst mistake one. I am more worried about winding up in jail than missing a refund, so I think the worst mistake is if you owe, not filing on time. I assume that includes not sending in extension paperwork. I only got a 70...
by CABob
Wed Feb 25, 2015 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Quiz
Replies: 22
Views: 1300

Re: What are Costco's best deals?

Hot dog lunch is a very good value, but my personal preference is a slice of pizza.
Gasoline is almost always 8 to 15 cents cheaper than anywhere else.
Things usually in our basket:
Frozen ground beef, 8% fat.
Granola bars
Paper products but I really don't like the large quantity.
Printer paper
by CABob
Tue Feb 24, 2015 11:11 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 130
Views: 9368

Re: How much did you have saved up for retirement at age 30?

I have no idea, but I'm sure it was a very small amount. I probably had a negative net worth and 401k plans had not been "invented".
by CABob
Tue Feb 24, 2015 12:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 168
Views: 10876

Re: Glasses turn around time and cost

People who are older and have cataracts should consider that cataract eye surgery. After that you no longer need glasses, including backup, except for the $1.50 (50% sale) reading glasses at your favorite Dollar store. I did that! I have 5 pairs of those reading glasses around the house and the car...
by CABob
Mon Feb 23, 2015 12:07 pm
 
Forum: Personal Consumer Issues
Topic: Glasses turn around time and cost
Replies: 19
Views: 1492

Re: Convincing a novice index funds are superior

Will they take the time to read one page on the Arithmetic of Active Management?
by CABob
Sun Feb 22, 2015 7:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Convincing a novice index funds are superior
Replies: 26
Views: 2314

Re: Poll: How Would You Want Your Estate Divided?

I think 2 important things are. Each child.gets the same amount. If you give money to grandchildren each grandchild should receive equal. I have never understood why you would punish grandchildren for having siblings. I agree in principle, but, not always in actual practice. There are several issue...
by CABob
Fri Feb 20, 2015 10:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: How Would You Want Your Estate Divided?
Replies: 43
Views: 3375

Re: Chase?

I was in a Chase branch recently to close out a checking account. As we were finishing our business the bank rep pointed to another office and indicated that if I were interested in investment services that was the person I should see. He then noted the Vanguard ball cap I was wearing and remarked t...
by CABob
Thu Feb 19, 2015 11:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Chase?
Replies: 10
Views: 1035

Re: Why do companies match 401K contributions?

I don't believe there is any financial advantage for a company's contribution to a retirement plan. But, for that matter there is no advantage to giving a salary raise to an employee. They are all just a cost of doing business and how they choose to deploy those costs. Obviously it they did not pay ...
by CABob
Thu Feb 19, 2015 9:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why do companies match 401K contributions?
Replies: 50
Views: 4281

Re: Need Desk chair for my office work

I don't have a recommendation since I am also in the market for a chair and am not sure what to buy.
You might be interested to note that Staples currently has a sale on their chairs.
http://www.staples.com/
by CABob
Thu Feb 19, 2015 4:37 pm
 
Forum: Personal Consumer Issues
Topic: Need Desk chair for my office work
Replies: 28
Views: 1344

Re: Upgrading from VG investor to admiral shares

If these were held at Vanguard the upgrade would happen automatically with no sell and buy and not a taxable event.
I don't know if this is also true at Schwab or whether one can hold Admiral shares at Schwab.
by CABob
Thu Feb 19, 2015 2:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Upgrading from VG investor to admiral shares
Replies: 9
Views: 727

Re: Non-qualified dividends

That may be it. SDY has 9.49% real estate sector while VIG has zero.
Thanks, livesoft.
by CABob
Thu Feb 19, 2015 2:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Non-qualified dividends
Replies: 2
Views: 241

Non-qualified dividends

I own the following ETFs, State Street S&P Dividend SDY and Vanguard Dividend Appreciation VIG. I just received my 1099-DIV and noticed that about 20% of the SDY dividends were not qualified while those from VIG are all qualified. I am wondering why the high NQ for SDY. The "clues" I h...
by CABob
Thu Feb 19, 2015 2:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Non-qualified dividends
Replies: 2
Views: 241

Re: What is the worst financial decision that you've made?

Several things come to mind. I'm not sure which is worst and in some cases the jury is still out as to how bad they were. 1. Started with investing way too late in life. 2. Not being "smart" with 401k investments. 3. Not investing in a Roth IRA thinking I didn't have enough years left unti...
by CABob
Wed Feb 18, 2015 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 172
Views: 14752

Re: Credit Card accounts (leave open or close?)

Just this week, we transferred the credit limit from one Chase credit card to another Chase card then closed the former. No idea how it'll impact our credit score as I hear closed accounts also factored in to the average age of accounts, but at least utilization will be the same as we preserved the...
by CABob
Wed Feb 18, 2015 12:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card accounts (leave open or close?)
Replies: 26
Views: 1377

Re: Credit Card accounts (leave open or close?)

If you close the accounts your credit score will probably take a temporary hit and perhaps a more permanent one because it lowers you total credit available. Is this important to you? If you do not intend to get a loan in the near future it may not be important. Personally, I would probably keep the...
by CABob
Tue Feb 17, 2015 10:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card accounts (leave open or close?)
Replies: 26
Views: 1377

Re: To all: How have you used your emergency fund?

I have never identified any portion of my net worth or investing portfolio as an emergency fund. On the other hand I've always been a pretty diligent saver. I joined my employers credit union within a couple of weeks of starting employment and saved a portion of every pay check. Was that account an ...
by CABob
Tue Feb 17, 2015 7:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: To all: How have you used your emergency fund?
Replies: 40
Views: 2848

Re: Tax Software: Access to Exclusive IRS Info?

A question for those who are VITA or Tax Aid preparers. Do you have any "special" access to the IRS?
by CABob
Mon Feb 16, 2015 11:26 pm
 
Forum: Personal Consumer Issues
Topic: Tax Software: Access to Exclusive IRS Info?
Replies: 13
Views: 760

Re: Fidelity with Spartan Shares / Vanguard with Investor Sh

Since the account is with Fido I think I would stick with the Spartan funds. I would think that any performance difference between Fido and VG's index funds would be very very small.
by CABob
Mon Feb 16, 2015 11:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity with Spartan Shares / Vanguard with Investor Shares
Replies: 4
Views: 512

Re: Poll

I log on to http://www.bogleheads.org and hit "view new posts". I have no idea what all the sub forums are? + however many. Actually I do know there are sub forums, but, only go there when I post to figure out which is the correct one (hopefully). If I am looking for a post on a particula...
by CABob
Mon Feb 16, 2015 11:09 pm
 
Forum: Forum Issues and Administration
Topic: Poll [Checking Local Chapters & Bogleheads Community forum]
Replies: 14
Views: 835

Re: Inherited Mutual Funds: Investing advice

I can't really add to the discussion and help on cost basis, but would like to add something that has been useful to me. When working cost basis issues, don't look at share prices except when you have to. Instead look at the total cost for the entire holding. With dividend reinvestment, share splits...
by CABob
Sun Feb 15, 2015 12:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inherited Mutual Funds: Investing advice
Replies: 67
Views: 3075

Re: Time to finally purchase nice bedding - thoughts?

That why I like this style: http://www.theeasysheet.com/ although I haven't tried this brand yet. BB&B discontinued carrying the one I now use and love Is my memory failing me along with other functions or when fitted sheets were first available wasn't a top sheet made that was fitted at the fo...
by CABob
Sat Feb 14, 2015 3:58 pm
 
Forum: Personal Consumer Issues
Topic: Time to finally purchase nice bedding - thoughts?
Replies: 25
Views: 2084

Re: [Is it worth getting an] AARP [membership]?

I have been a member of AARP for a number of years. I initially joined for the travel discounts, but found that AAA gave me the same thing. In fact, just asking for a senior discount got me the same thing generally. They do have a couple of interesting publications although I often don't find time t...
by CABob
Fri Feb 13, 2015 3:57 pm
 
Forum: Personal Consumer Issues
Topic: [Is it worth getting an] AARP [membership]?
Replies: 58
Views: 3965

Re: Check with wrong name - how to deposit

If the bank agrees, I would say go for it.
I think it should probably be endorsed as:

For deposit only
First name last name (as check is made out)
First name last name (as is on bank account)

But this is also something you might want to ask the bank about.
by CABob
Thu Feb 12, 2015 7:37 pm
 
Forum: Personal Consumer Issues
Topic: Check with wrong name - how to deposit
Replies: 21
Views: 1687

Re: The Best 60/40 Portfolio?

I'm not sure how one would define and apply criteria to determine "best", but I'll play along. I think best is: 45% Vanguard Total U.S. Stock Market Index (VTSMX) 15% Vanguard Total International Stock Index (VGTSX) 40% Vanguard Total Bond Market Index (VBFMX) 00% Vanguard Inflation-Protec...
by CABob
Thu Feb 12, 2015 4:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: The Best 60/40 Portfolio?
Replies: 20
Views: 2154

Re: Using listing agent as my buyer's agent

If I were the seller I sure would not want to think that my realtor was working for anyone except me. From the realtor's standpoint I don't think they can forget who first hired them. In the type of market where there are multiple offers I think an exclusive buyers agent is more important. If a real...
by CABob
Thu Feb 12, 2015 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using listing agent as my buyer's agent
Replies: 21
Views: 1390

Re: Costco/AmEx relationship ending. New Costco MasterCard?

Costco has a brief discussion of the situation on their site. https://customerservice.costco.com/system/templates/selfservice/costco_en_us/#!portal/200500000001002/article/200500000030419/American-Express-Partnership I didn't see anything new, but, it appears that everything will be the same includi...
by CABob
Thu Feb 12, 2015 2:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Costco/AmEx relationship ending. New Costco MasterCard?
Replies: 46
Views: 11181

Re: Day trading and capital gain tax nightmare

Wow, where to start? So let's say I bought/sold a stock within 3 days. Earned 5% income. Next stock I bought/sold, I lost 5%. Next stock, I gained another 5%. First of all, I think you would be better served by looking at your transactions in dollars rather than percentages. I'm assuming that the th...
by CABob
Thu Feb 12, 2015 12:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Day trading and capital gain tax nightmare
Replies: 37
Views: 2952

Re: LED Shop light

My local costco has them on sale for $32 each. I just bought 2 and replaced an existing fluorescent shop light with one of them. Works great - bright and a very "white" light. Is it only a plug in? I don't have a plug for my existing fluorescent light. Also why did you get 2? This is the ...
by CABob
Tue Feb 10, 2015 5:06 pm
 
Forum: Personal Consumer Issues
Topic: LED Shop light
Replies: 10
Views: 715

Re: Food of the Fifties

Grilled cheese sandwiches (bread buttered on the outside) and tomato soup (still in style as comfort food, maybe?) Is there another way of making a grilled cheese sandwich? This one is a little gross: hot dog sandwich spread (ground boiled hot dog, relish and mustard spread on bread). Not necessari...
by CABob
Tue Feb 10, 2015 4:51 pm
 
Forum: Personal Consumer Issues
Topic: Food of the Fifties
Replies: 216
Views: 11177

Re: Food of the Fifties

Interesting conversation bringing back a few memories. Of special interest to me is the subject of pigs in a blanket. In my neighborhood they were ground sausage wrapped in a pastry. I checked with a book of recipes published by the local community for a number of years. There were a couple of recip...
by CABob
Tue Feb 10, 2015 2:00 pm
 
Forum: Personal Consumer Issues
Topic: Food of the Fifties
Replies: 216
Views: 11177

LED Shop light

I recently saw this shop light at Costco. Although certainly more expensive than the more typical 4' florescent fixture the price seem reasonable and would have some desirable characteristics. Has anyone used them or have any comments?
by CABob
Tue Feb 10, 2015 12:58 pm
 
Forum: Personal Consumer Issues
Topic: LED Shop light
Replies: 10
Views: 715

Re: What does it mean to buy or sell a stock?

You have received a number of good responses to your question, but, let me add to the above. In any transaction there is a buyer and seller. If you are the seller you don't generally know who the buyer is. It may be another individual investor such as yourself or it may be a large mutual fund, endow...
by CABob
Tue Feb 10, 2015 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: What does it mean to buy or sell a stock?
Replies: 26
Views: 1559

Re: Retirees and estimated tax payments

Do you withhold a percentage or a specific number of dollars?

I start with a dollar amount which is the prior year's tax liability and convert that to a percentage.
by CABob
Tue Feb 10, 2015 10:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirees and estimated tax payments
Replies: 31
Views: 1670

Re: Employer Plan has only two index funds...go brokerage?

I think you have two great choices for Vanguard index funds. You might need to find a bond fund to round out the portfolio. The Vanguard target retirement funds are also good. I see no reason to go to the brokerage window. There are frequently some additional fees and charges associated with the bro...
by CABob
Mon Feb 09, 2015 11:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Employer Plan has only two index funds...go brokerage?
Replies: 20
Views: 1044

Re: Valentine’s day dinner I could cook?

The first meal I cooked for my girlfriend (now wife) was beef stroganoff some 40 years ago. I'm not sure how great it was but she still mentions it often. There are several recipes online. This one is about what I use. Serve over noodles or rice. I don't recommend preparing the day before however. F...
by CABob
Mon Feb 09, 2015 11:33 pm
 
Forum: Personal Consumer Issues
Topic: Valentine’s day dinner I could cook?
Replies: 40
Views: 2392

Primecap [Kiplinger article]

[Thread merged into here, see below. --admin LadyGeek]

An article from a recent Kiplinger's Personal Finance magazine that I found interesting.
http://www.kiplinger.com/article/invest ... -seen.html
Active funds anyone? :happy
by CABob
Mon Feb 09, 2015 11:10 pm
 
Forum: Investing - Theory, News & General
Topic: Primecap: The Best Stock Pickers You've Never Seen
Replies: 32
Views: 2585

Re: Retirees and estimated tax payments

I might mention that for a couple of years after wife and I retired, after we were both age 65, and before taking any RMDs I did have a zero tax liability. I was so shocked when I did my taxes the first time I redid the taxes several times thinking I had made a mistake. This ought to be brought to ...
by CABob
Mon Feb 09, 2015 6:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirees and estimated tax payments
Replies: 31
Views: 1670

Re: Retirees and estimated tax payments

I suspect that there is something lost in translation from the FA recommendation to the client and then to you. First of all at that income level I would expect that some taxes will need to be paid. Secondly, The taxes can be paid by estimated payment or by withholding from withdrawals. Withheld pay...
by CABob
Mon Feb 09, 2015 5:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirees and estimated tax payments
Replies: 31
Views: 1670

Re: Is it worth it?

All other things being equal I think I would delay for the additional pension. But, it sort of depend on why you are considering the retirement at what I would consider a young age.
by CABob
Sun Feb 08, 2015 10:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it worth it? [Should I retire?]
Replies: 57
Views: 4787
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