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Re: Possible mail scam?

Is it possible that MarketSphere is a company that claims missing money for a fee? Nothing necessarily wrong with this except it is something that you can do for yourself without paying a fee. Have you gone through one of the unclaimed property searches to see if your business is listed as eligible ...
by CABob
Thu Aug 28, 2014 11:40 pm
 
Forum: Personal Consumer Issues
Topic: Possible mail scam?
Replies: 8
Views: 731

Re: Gas station etiquette

Your Costco gas station must get the same crowds as mine. I and most folks do pass car A to get to the open pump. I'm not sure I would do so if car B had been in postition you indicated, however. That seemed a bit strange to me, but if you (or car B) had noticed that car A was about to finish and le...
by CABob
Thu Aug 28, 2014 3:14 pm
 
Forum: Personal Consumer Issues
Topic: Gas station etiquette
Replies: 46
Views: 2414

Re: Own the same fund in multiple accounts?

There certainly isn't anything wrong with holding the same fund in multiple accounts. The lack of duplication often happens because of what funds are available in an account. For example, if a husband and wife each have 401k plans with different employers and providers the chances are the funds avai...
by CABob
Thu Aug 28, 2014 2:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Own the same fund in multiple accounts?
Replies: 9
Views: 845

Re: Chase savings account bonus deposit

Read the offer closely. I suspect you will have to keep the $15K in the account for six months in order to keep the bonus. OTOH $175 on $15K is over 1% so that isn't a bad yield on a cash account these days. Be aware that it is considered interest and you will receive a 1099 for it at year end. I ha...
by CABob
Wed Aug 27, 2014 11:44 pm
 
Forum: Personal Consumer Issues
Topic: Chase savings account bonus deposit
Replies: 16
Views: 1002

Re: Tax loss harvesting

I have not seen it mentioned in any of the posts, but my understanding is that TLH only applies to taxable accounts and not IRAs and 401ks :?: Correct since tax advantaged accounts are not taxed immediately. You should be aware, however, the 31 day waiting period would apply even if one of the buys...
by CABob
Wed Aug 27, 2014 11:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting
Replies: 27
Views: 1084

Re: Which online broker suites my needs best?

You guys make compelling points. I ammend my original needs list to focus on ETFs with the ability to play stocks if the opportunity arises (FB IPO tanking for example). Does that change the reccomended brokers list? It does not change my recommendation. In fact I have a couple of ETFs in my Scottr...
by CABob
Tue Aug 26, 2014 11:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Which online broker suites my needs best?
Replies: 10
Views: 645

Re: Which online broker suites my needs best?

I've had an account with Scottrade for a number of years and have been very satisfied with them. Comissions are $7, amount to open an account is quite small, and they don't seem to have many nuisance fees. This link from AAII may be of interest. Some of the financial magazines regularly review and r...
by CABob
Mon Aug 25, 2014 11:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which online broker suites my needs best?
Replies: 10
Views: 645

Re: Best nose hair trimmer (is this okay to ask?)

livesoft wrote: I also hear that rubbing cocaine powder on noise hairs works (but this is NOT medical advice!).


JupiterJones wrote:I just snort Nair.


Perhaps you two should get together and compare notes.
by CABob
Mon Aug 25, 2014 11:47 am
 
Forum: Personal Consumer Issues
Topic: Best nose hair trimmer (is this okay to ask?)
Replies: 36
Views: 2638

Re: I need "Ultra High Net Worth" investing advice please

MASERATIken wrote: Very true... I could maintain min. cash levels at both.

You could also put enough at Vanguard and/or one of their competitors to see any advantages to the job they do with that portion.
by CABob
Sun Aug 24, 2014 3:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need "Ultra High Net Worth" investing advice please
Replies: 215
Views: 15135

Re: Best nose hair trimmer (is this okay to ask?)

I have found that no one device did a complete and satisfactory job. I have a Norelco/Phillips trimmer with several attachments and find I use the nose trimmer, clipper, and the shaver attachments plus a scissors at times. Like others, I have found that as I age less hair grows on my head, but, is m...
by CABob
Sun Aug 24, 2014 3:17 pm
 
Forum: Personal Consumer Issues
Topic: Best nose hair trimmer (is this okay to ask?)
Replies: 36
Views: 2638

Re: AAII

I have been a member of the AAII and received their monthly Journal for a number of years. I find the information contained to fall into one third informative and useful, one third informative but not necessarily useful, and one third neither useful or informative.
by CABob
Sun Aug 24, 2014 2:15 pm
 
Forum: Personal Consumer Issues
Topic: AAII
Replies: 3
Views: 328

Re: Slice n Dicers: How much have you outperformed?

Well, I'm curious about the two (currently) who voted, "Total Blow Out". I can't imagine any reasonable slice and dice portfolio that would be considered a blow out as compared to a 3-fund portfolio. Was there a large slice dedicated to a small obscure segment of the market?
by CABob
Sun Aug 24, 2014 2:08 pm
 
Forum: Investing - Theory, News & General
Topic: Slice n Dicers: How much have you outperformed?
Replies: 20
Views: 2457

Re: Slice n Dicers: How much have you outperformed?

You're missing the option "I haven't checked but I assume I outperformed". Arguably that should be an option for almost any performance related poll, just as an honesty check. Or possibly, "I haven't checked, but, I assume I'm getting the index returns for the funds in which I am inv...
by CABob
Sun Aug 24, 2014 1:51 pm
 
Forum: Investing - Theory, News & General
Topic: Slice n Dicers: How much have you outperformed?
Replies: 20
Views: 2457

Re: I need "Ultra High Net Worth" investing advice please

Although not included in your question, I suspect you and your spouse will give substantial thought to how this wealth effects your children and how you parent and craft your estate plans given this factor. It is a dynamic that most parents do not have to address but it certainly is important. That...
by CABob
Sun Aug 24, 2014 1:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need "Ultra High Net Worth" investing advice please
Replies: 215
Views: 15135

Re: Do you tip on the tax?

i'm not sure how to answer the poll. Generally my tip is 2X the tax rounded up to nearest dollar (except when I have a bunch of change to get rid of). This amount is then adjusted based on service, etc.
Probably this would most equate to tipping against the food total.
by CABob
Fri Aug 22, 2014 4:25 pm
 
Forum: Personal Consumer Issues
Topic: Do you tip on the tax? [Restaurants]
Replies: 124
Views: 4964

Re: Vanguard Agent Authorization

Agent authorization isn't complete or adequate. I cannot view my wife's retirement accounts when I log into my Vanguard account. Not completely true at least in my case. I have requested a "family view" so when I log on I can see my IRA, wife's IRA, and joint taxable account. I can't make...
by CABob
Thu Aug 21, 2014 10:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Agent Authorization
Replies: 40
Views: 2592

Re: Driving Trip Planning

I have an old version of Microsoft Streets and Trips software on my computer. I'm not sure if the software is still available or not. It will plan a route and break it into days. The days seem to be about 8 hours driving time. I'm not sure if that can be adjusted or not. It does not seem to necessar...
by CABob
Thu Aug 21, 2014 12:17 am
 
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 45
Views: 1628

Re: Pressure Cookers?

panzer wrote:I never considered the pressure cooker and a microwave the same thing.

Then a pressure cooker for the microwave should really confuse you.
QVC link
:twisted:
by CABob
Tue Aug 19, 2014 6:42 pm
 
Forum: Personal Consumer Issues
Topic: Pressure Cookers?
Replies: 46
Views: 3274

Re: So am I a terrible father? [inheritance question]

One thought: your RMDs will likely force you to take most of the money out of the TIRA, so you might as well convert to a Roth while you can. I'm not sure that is correct as a general statement. I have been taking RMDs for 5 years and my IRA balance has grown. Obviously that will not always be true...
by CABob
Tue Aug 19, 2014 1:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: So am I a terrible father? [inheritance question]
Replies: 31
Views: 4445

Re: IRA?

IRA's can get confusing at times but the basic rules are pretty simple. The prime source for information is IRS Publication 590 . In that publication can be found: You can open and make contributions to a traditional IRA if: You (or, if you file a joint return, your spouse) received taxable compensa...
by CABob
Mon Aug 18, 2014 4:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRA?
Replies: 5
Views: 228

Re: Vanguard Agent Authorization

I asked him what the suspicious activity was... "Both accounts were logged in from the same computer back to back." I hope this isn't a sign of things to come with Vanguard or anyone else. I must say that my accounts and my wife's accounts often are accessed from the same computer within ...
by CABob
Mon Aug 18, 2014 3:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Agent Authorization
Replies: 40
Views: 2592

Re: Help me understand my credit report

"Number of accounts reported in the last 12 months" I would think this would mean the number of accounts that the agency received data from in the last year. This could be good reports, bad reports, or neutral reports. I would think that if you looked at one of your reports, preferably th...
by CABob
Mon Aug 18, 2014 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help me understand my credit report
Replies: 14
Views: 1674

Re: Tracking Down Pension Info.

When I retired a friend suggested that I check with a former employer that I had been with for about 6 years in the 60's. It also had been bought out by another company. It took some searching but I was eventually able to find the person at the new company that dealt with those things. Unfortunately...
by CABob
Sun Aug 17, 2014 11:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tracking Down Pension Info.
Replies: 31
Views: 2301

Re: stock return calculator

You could figure it out easily from any charting function that shows historical prices such as M* General Electric Chart. I'm not sure whether this includes dividends or not.
by CABob
Sun Aug 17, 2014 11:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: stock return calculator
Replies: 2
Views: 227

Re: Asset Allocation 50 yr old couple too much taxable cash.

Where at Vanguard should I invest 10% unsheltered cash?

It depends on what asset class you want this money to represent. Also what is your income tax rate? If you told us in your prior post, I missed it.
by CABob
Sun Aug 17, 2014 3:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation 50 yr old couple too much taxable cash.
Replies: 9
Views: 737

Re: Poll: Cash Reserve for Investments

I have a fair amount in cash, but, I don't consider it to be reserves for adding to market at some future time based on market conditions. I have a couple of FDIC accounts that currently have pretty good yields. Should those yields go away I guess I would have to make a decision whether I want to in...
by CABob
Sun Aug 17, 2014 1:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poll: Cash Reserve for Investments
Replies: 11
Views: 782

Re: Pressure Cookers?

We have a Cruisinart Electric and like it very much. Things that were difficult to get tender without "hours" of cooking time are now done to perfection in a much shorter time. Most common uses we have found are for stews, pot roast, swiss steak, beans, bean (and other) soup, and artichoke...
by CABob
Sat Aug 16, 2014 11:45 pm
 
Forum: Personal Consumer Issues
Topic: Pressure Cookers?
Replies: 46
Views: 3274

Re: Finished BogleHeads Guide, Suggestions?

Take a look at the Wiki here. Start with Getting Started. +1 Welcome to the forum. Specifically look at the list of books in the wiki and read some of "Taylor's Gems" from the links in the right hand column. This will give you a pretty good picture of the books that are available and what...
by CABob
Sat Aug 16, 2014 8:58 pm
 
Forum: Investing - Theory, News & General
Topic: Finished BogleHeads Guide, Suggestions?
Replies: 7
Views: 679

Re: VTSMX vs VTSAX [Total Stock Market, Investor vs. Admiral

victorb wrote:I also noticed the VTSMX doesn't show up under the Vanguard Stock Funds list. If you do a search on VTSMX, it does show up just fine.

Check to see whether you have limited the list to not include Investor shares. It should be a check mark on the left side of the list.
by CABob
Sat Aug 16, 2014 2:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: VTSMX vs VTSAX [Total Stock Market, Investor vs. Admiral]
Replies: 11
Views: 1184

Re: 401k Disbursement Fee?

jimmyrules712 wrote:I guess I'm surprised because I haven't encountered a fee for rolling over a 401k before, only for moving IRAs.

Perhaps an account change was made when wife left employer and the administrator decided that they needed to charge fees for things that the employer was picking up previously.
by CABob
Thu Aug 14, 2014 7:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Disbursement Fee?
Replies: 6
Views: 385

Re: How important is my insurance agent?

I've been with State Farm and the same agent for 27 years (home, auto, umbrella) and have been happy...so far. Lately, it's been difficult to talk directly to my agent (either on the phone or via email) when I have a question/need new coverage. I would suggest that you talk to your agent and indica...
by CABob
Mon Aug 11, 2014 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: How important is my insurance agent?
Replies: 37
Views: 2095

Re: Most Hated Brokerage Firm?

Ally?
See http://www.ally.com/
If my recollection is correct they used to be GMAC.
by CABob
Sun Aug 10, 2014 7:42 pm
 
Forum: Investing - Theory, News & General
Topic: Most Hated Brokerage Firm? [or one that you love]
Replies: 74
Views: 7318

Re: Withdrawl from Target Retirement or Life Strategy Fund

I am still uncertain if one would receive a significant difference in the withdrawl phase of retirement if one used individual funds as opposed to LS/TR. Perhaps you are overthinking this or making it more complex than it is. One of the reasons for choosing a fund of funds such as TR or LS is that ...
by CABob
Sun Aug 10, 2014 3:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Withdrawl from Target Retirement or Life Strategy Fund
Replies: 34
Views: 2835

Re: How do you address your inlaws and being addressed?

Years ago I recall hearing that for the first year you can get away with ignoring the issue by saying "hey" or "hey you." After that you can call them grandma or grandpa. That seems to work especially when you have young children. In actual practice at some point I found it appro...
by CABob
Fri Aug 08, 2014 2:29 pm
 
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 4734

Re: What to do with disbursement check?

Did your wife have any after tax money in the 401k?
It is very important to find out exactly what this check represents from her former employer or their 401k administrator.
by CABob
Thu Aug 07, 2014 10:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do with disbursement check?
Replies: 11
Views: 1547

Re: How to give advice when you don't know much.

Since you indicated that you are reading the Bogleheads' Guide to Retirement Planning may I suggest that you jump ahead to the chapter on Seeking Help from Professionals. That chapter will provide some guidance on why you might or might not need the help of a professional advisor. I doubt is is ment...
by CABob
Wed Aug 06, 2014 3:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to give advice when you don't know much.
Replies: 33
Views: 1370

Re: I Strayed From The Path...Forgive Me.

LongerPrimer wrote:This the second thread where " uncompensated risk ", is mentioned. WHAT is it. WIKI-bogle makes no mention . :?:

Perhaps this will help. http://whitecoatinvestor.com/uncompensated-risk/
A google search will produce several links.
by CABob
Tue Aug 05, 2014 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: I Strayed From The Path...Forgive Me.
Replies: 26
Views: 3539

Wealthtrack

This weekend's Wealthtrack show will feature interviews with Jason Zweig and Jonathan Clements. It may be an interesting and informative show.
http://wealthtrack.com/ Check your local PBS channel.
My apology if this has been noted on the forum before.
by CABob
Tue Aug 05, 2014 11:20 am
 
Forum: Investing - Theory, News & General
Topic: Wealthtrack
Replies: 2
Views: 637

Re: I Strayed From The Path...Forgive Me.

Just out of curiosity, if your intent was for dividend growth stocks why did you include BRK.B?
by CABob
Mon Aug 04, 2014 11:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: I Strayed From The Path...Forgive Me.
Replies: 26
Views: 3539

Re: Do I need a small cap index if I already have total mark

I really appreciate the info on Admiral shares with Vanguard. I did not even know what they were. I wonder why it does not have that on here as a core with Admiral, since they are lower in cost. Perhaps one reason the Admiral share definition is not noted is that it isn't something an investor real...
by CABob
Mon Aug 04, 2014 9:13 pm
 
Forum: Investing - Theory, News & General
Topic: Do I need a small cap index if I already have total market ?
Replies: 58
Views: 5384

Re: Do I need a small cap index if I already have total mark

Do I need to keep a small cap (VISVX or NAESX) if I already have Vanguard Total Market Index VTSMX? If you are satisfied with market weight of capitalization the answer is, No. If you want to overweight small cap the answer is, Yes. Which one is best? It will depend on the particular time frame inv...
by CABob
Mon Aug 04, 2014 4:23 pm
 
Forum: Investing - Theory, News & General
Topic: Do I need a small cap index if I already have total market ?
Replies: 58
Views: 5384

Re: Savings Account

It sounds to me that you are on the right track. You should be aware of tax efficiencies of the investments that are in the taxable accounts. This would perhaps be something like municipal bonds or funds for fixed income investments and broad based index funds such as total stock market or total int...
by CABob
Mon Aug 04, 2014 1:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Savings Account
Replies: 10
Views: 1089

Re: Day Trading Quote

[quote="Taylor Larimore]Show him this quote from our Bogleheads' Guide to Investing : Terry Odean and Brad Barber, two professors at the University of California, did a study of 66,400 investors between the years 1991 and 1997 to learn how trading affected those investors' returns. They found t...
by CABob
Fri Aug 01, 2014 3:02 pm
 
Forum: Investing - Theory, News & General
Topic: ? Best simple reference to dissuade a day trader
Replies: 67
Views: 4272

Re: Dollar-Cost Averaging at Scottrade

ouki wrote:Can someone confirm I can do monthly DCA for VTSAX & VTIAX at Vanguard with no cost? Funds themselves are no load funds.

Yes, you can do that. The addition to the account needs to be at least $100 I believe.
by CABob
Mon Jul 28, 2014 4:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dollar-Cost Averaging at Scottrade
Replies: 11
Views: 533

Re: Dollar-Cost Averaging at Scottrade

I have taxable accounts at both Scottrade and Vanguard. The Vanguard account has VG mutual funds. The Scottrade account has individual stocks and ETF's. Unless you have some very good reasons for not doing it I would suggest you have two accounts or in some way you have a Vanguard account to buy the...
by CABob
Mon Jul 28, 2014 3:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dollar-Cost Averaging at Scottrade
Replies: 11
Views: 533

Re: Do any boggleheads invest in individual companies?

Does anybody hold individual companies, as a portion of your portfolio? Yes, I own six individual stocks They are all blue chip dividend paying stocks that I have held since the mid 90's. They all have unrealized capital gains and I am not too anxious to take the gains. The total of individual stoc...
by CABob
Mon Jul 28, 2014 3:43 pm
 
Forum: Investing - Theory, News & General
Topic: Do any boggleheads invest in individual companies?
Replies: 95
Views: 5760

Re: Anyone get running shoes from DSW???

Has anyone used the Kirkland brand shoes from Costco? I saw some recently for about $20 and they looked pretty good at least for a walking shoe.
by CABob
Sat Jul 26, 2014 6:59 pm
 
Forum: Personal Consumer Issues
Topic: Anyone get running shoes from DSW???
Replies: 15
Views: 1216

Re: New to forum [Selling worthless stock]

I thought it would be a good reminder of what can happen when you speculate in small, sketchy stocks.

I have one of those also except in my case I have the certificates, suitable for framing to remind me not to listen to cold calling brokers.
:twisted:
by CABob
Fri Jul 25, 2014 3:35 pm
 
Forum: Investing - Theory, News & General
Topic: New to forum [Selling worthless stock]
Replies: 9
Views: 888

Re: DFA funds with one-time fee?

I suspect that some with more knowledger will come along to respond, but, my understanding is that if you cancel your account with the advisor you will be able to keep your current investment in the fund, but, will not be able to add to it.
by CABob
Fri Jul 25, 2014 2:57 pm
 
Forum: Investing - Theory, News & General
Topic: DFA funds with one-time fee?
Replies: 8
Views: 973

Re: New to forum [Selling worthless stock]

A stock becomes worthless when a bankruptcy court determines it to be worthless. This is often some time (couple of years) after the "news" of bankruptcy is happening. The loss must be declared in the year that this happens unless you can figure out a way to sell the stock before. If you s...
by CABob
Fri Jul 25, 2014 2:54 pm
 
Forum: Investing - Theory, News & General
Topic: New to forum [Selling worthless stock]
Replies: 9
Views: 888
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