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Re: Estimating & Paying Taxes Jointly?

Have you considered getting a late in the year withdrawal from your IRA and taking tax withholding from it? This would alleviate making the estimated quarterly payments.
by CABob
Thu Nov 27, 2014 1:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estimating & Paying Taxes Jointly?
Replies: 9
Views: 636

Re: Is there anything unhealthy about drinking tap water?

Tap water is constantly monitored for quality and is perhaps as "clean" as most bottled water. The problems with tap water is usually taste and odor so if that is a problem for you a filter or water service might be considered.
by CABob
Wed Nov 26, 2014 1:17 pm
 
Forum: Personal Consumer Issues
Topic: Is there anything unhealthy about drinking tap water?
Replies: 17
Views: 1153

Re: Excess RMD withdrawn

Thanks Alan and RM for your thoughts. For additional information for anyone interested I did contact VG Customer Service on Monday and explained the problem which they could also see when looking at the account on their end. They could not understand what had happened but would look into it and get ...
by CABob
Wed Nov 26, 2014 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Excess RMD withdrawn
Replies: 4
Views: 801

Re: Industrial stainless steel coffee maker

How about Bunn?
by CABob
Mon Nov 24, 2014 11:24 am
 
Forum: Personal Consumer Issues
Topic: Industrial stainless steel coffee maker
Replies: 18
Views: 1445

Excess RMD withdrawn

I requested and received my total 2014 RMD from my Vanguard IRA on November 3. Then on November 20 an additional RMD withdrawal was taken which appears to be over the required withdrawal amount. I will be calling Vanguard on Monday, but, was wondering if anyone has had a similar experience or might ...
by CABob
Sun Nov 23, 2014 10:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Excess RMD withdrawn
Replies: 4
Views: 801

Re: Vanguard launches new offering ... [Vanguard merchandise

The "Retiree in training" t-shirt is nice, but, what is appropriate for one already in retirement? Actually "Retiree in training" would have been appropriate for me a couple of years before I retired, but, I didn't want to advertise the fact that I was "easing down". :t...
by CABob
Sun Nov 23, 2014 8:41 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 11250

Re: Possible to exchange one Amex card for another?

I have a similar question about Bank of America VISA cards. Due to affinity cards and mergers and acquisitions I now have several BoA Visa cards (as well as a BoA Mastercard) and would like to cancel, combine, or do something to lower the number of cards and not affect credit limits or credit score....
by CABob
Sun Nov 23, 2014 1:39 pm
 
Forum: Personal Consumer Issues
Topic: Possible to exchange one Amex card for another?
Replies: 9
Views: 1086

Re: POLL: Do you personally own a cell phone?

Well, the poll confused me and the replies helped clarify but it seems there is not universal agreement on the meaning of terms and what to call certain phones. I have a cell phone. It is not what I call a smart phone. It does not "flip' like my original Motorola phone in the early 90's or so t...
by CABob
Sat Nov 22, 2014 4:23 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Do you personally own a cell phone?
Replies: 52
Views: 2775

Re: New Refrig with Icemaker. Filter?

What brand of refer is it? Perhaps telling us that there might be some with direct experience. I think it is reasonable that a filter is not put on a model without a water dispenser. It has been a while since I have had that type, but, IIRC when I did it did not have a filter. I would think that if ...
by CABob
Sat Nov 22, 2014 2:02 pm
 
Forum: Personal Consumer Issues
Topic: New Refrig with Icemaker. Filter?
Replies: 7
Views: 736

Re: portfolio suggestions for the truly aged.

It seems to me that she has a pretty good chance of not running out of money regardless of how it is invested within reason. That and the anticipated capital gains if she were to sell significant amounts of stock makes me think I might leave well enough alone. Does her portfolio throw off significan...
by CABob
Fri Nov 21, 2014 10:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: portfolio suggestions for the truly aged.
Replies: 20
Views: 1981

Re: Vanguard launches new offering ... [Vanguard merchandise

I ordered a cap on 11/18 and have not heard anything yet, but, I guess I got my order in before they sold out. I am curious as to how much of their sales volume is from Bogleheads. I was actually looking for a tee shirt that said, "My money went to Valley Forge and all I got was a tee shirt.&qu...
by CABob
Fri Nov 21, 2014 3:58 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 11250

Re: Problem with posting

I had this happen some times originally because I did not know about the feature Someone has just posted do you want to edit your post. I assumed when I clicked Submit my post went through and I just navigated away from the page. I think what lululu is referring to is that if while you are preparin...
by CABob
Thu Nov 20, 2014 2:04 pm
 
Forum: Forum Issues and Administration
Topic: Problem with posting
Replies: 9
Views: 530

Re: Problem with posting

Are you sure you are logged in to the forum? Without logging in you can view posts but cannot post or reply.
by CABob
Thu Nov 20, 2014 12:42 pm
 
Forum: Forum Issues and Administration
Topic: Problem with posting
Replies: 9
Views: 530

Re: Suggested retirement reading for 60 year olds

You might consider a subscription to Kiplingers Retirement Report. I think it is a bit pricey, but I have received it for a few years and find its articles of interest. https://www.kiplinger.com/store/krr/ Kiplinger also publishes an annual retirement planning guide that might be of interest. http:/...
by CABob
Thu Nov 20, 2014 12:06 pm
 
Forum: Investing - Theory, News & General
Topic: Suggested retirement reading for 60 year olds
Replies: 25
Views: 2782

Re: Actual experience with California probate court?

Edit to add, Nolo Press has a good summary of the statutory fees, $21K for a $900K estate even with a mortgage -- http://www.nolo.com/legal-encyclopedia/california-probate-an-overview.html I have no direct experience, but, this link indicates that both the attorney and executor can get $21K for a t...
by CABob
Wed Nov 19, 2014 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Actual experience with California probate court?
Replies: 11
Views: 1210

Re: What to calculate withdrawals on?

Generally one considers the entire portfolio when looking at withdrawals and other calculations. The nature of your question, however, makes me concerned that this might lead you down a undesireable path. If your wife is still working, your need for withdrawals from your portfolio should be much les...
by CABob
Tue Nov 18, 2014 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to calculate withdrawals on?
Replies: 11
Views: 924

Re: car sensor showing TPMS sign

You can definitely still fill or deflate the tire even if the sensor is bad. I am inclined to agree, but, that is not what the OP said, implying that the problem is with the valve not the sensor. Although my limited experience is that a bad valve is apt to leak air not prevent one from filling the ...
by CABob
Mon Nov 17, 2014 12:06 pm
 
Forum: Personal Consumer Issues
Topic: car sensor showing TPMS sign
Replies: 26
Views: 1687

Re: How often do you go out to dinner?

You asked about dinner. How about breakfast and lunch?
That changes the number significantly for me.
by CABob
Mon Nov 17, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: How often do you go out to dinner?
Replies: 60
Views: 4579

Re: Harry's razors

Slightly off topic, but, I just saw a TV ad from Gillette talking about getting blades sent for $1 per month. I have no details, but it sounds as if they are feeling pain from Dollar Shave Club etc.
by CABob
Sun Nov 16, 2014 3:55 pm
 
Forum: Personal Consumer Issues
Topic: Harry's razors
Replies: 53
Views: 5158

Re: car sensor showing TPMS sign

My car showed TPMS sign , MIDAS just says replace the tire as valve is stuck and air cannot be filled. Is this a true statement? Can it be determined which tire is malfunctioning? You should be able to check to see if air is going into tire. Firestone says replace the sensor.. Normally I would thin...
by CABob
Sun Nov 16, 2014 12:07 pm
 
Forum: Personal Consumer Issues
Topic: car sensor showing TPMS sign
Replies: 26
Views: 1687

Re: Cheapest "dumbphone" and plan for texting only?

Page Plus which I use with a dumb phone is certainly worth a look. Buying an unlocked phone elsewhere would probably be the way to go. I have not used them, but, others on this forum have mentioned getting their Page Plus service and phones through Kitty Wireless.
by CABob
Fri Nov 14, 2014 1:49 pm
 
Forum: Personal Consumer Issues
Topic: Cheapest "dumbphone" and plan for texting only?
Replies: 7
Views: 770

Re: Vanguard launches new offering ...

Steelersfan wrote:But where are the "I'm a Boglehead" products. :P

Yes, what about the Boglehead shirts, caps, etc. that was talked about on this forum.
And wasn't it following a reunion a couple of years ago when some suggested that Vanguard products be offered retail online? Well here they are.
by CABob
Wed Nov 12, 2014 5:35 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 11250

Re: Your favorite classic toys for kids

Hoot-Nanny No. 1 Google it if you don't know what it was. It was a favorite toy of this 77 year old. I'm about the right age, but, this one is new to me. I'm not sure why I led such a sheltered life since this is a toy that I think I would have enjoyed. Maybe it didn't get nation wide distribution?...
by CABob
Tue Nov 11, 2014 11:47 pm
 
Forum: Personal Consumer Issues
Topic: Your favorite classic toys for kids
Replies: 89
Views: 4185

Re: Local bank without any checking account fees?

I just did a search for banks in the Houston area and a number were listed. Unfortunately most of them are not familiar to me. I did see Chase Bank. I have a Chase checking account with no fees. I think the only requirement I have is a minimum balance of $1500. But, if your WF bank has a similar acc...
by CABob
Mon Nov 10, 2014 5:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Local bank without any checking account fees?
Replies: 31
Views: 2462

Re: Happy Birthday, Marines!

The Continental Congress commissioned Samuel Nicholas to raise two Battalions of Marines on November 10, 1775. Nicholas set up shop in Tun Tavern, and appointed Robert Mullan, the proprietor, to the job of chief Marine Recruiter. Semper Fi Rick Ferri USMC(retired) 1980-2001 My hat's off for respect...
by CABob
Mon Nov 10, 2014 1:25 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Happy 239th Birthday, U.S. Marine Corps
Replies: 20
Views: 872

Re: Vanguards Personal Investor Sevice

we are moving my huband's 401k from his company to a rollover IRA in Vanguard. We are retired. Wehave an appoint with a financial planner to help with location and allocation of these funds that will be coming over as i had asked for help in making the taxable portion more tax efficient. I got a me...
by CABob
Fri Nov 07, 2014 11:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguards Personal Investor Sevice
Replies: 21
Views: 1855

Re: Shoes for the Garden

I grew up in a Dutch community with a number of recent immigrants from the Netherlands. A few of them would wear wooden shoes when working in the gardens and fields. I'm not sure how resistant they are to slipping on muddy ground.
http://shopping.dutchvillage.com/dvwear ... oeshop.htm
by CABob
Thu Nov 06, 2014 6:23 pm
 
Forum: Personal Consumer Issues
Topic: Shoes for the Garden
Replies: 23
Views: 1587

Re: Your very first email

Do you remember where you were and what your first email was about? Not specifically, but, it would have been on AOL using one of those disks they sent out to everyone in the world. It also would have been on a dial up connection using a 1200 baud (or possibly 2400) modem. I was getting investing i...
by CABob
Thu Nov 06, 2014 1:23 pm
 
Forum: Personal Consumer Issues
Topic: Your very first email
Replies: 60
Views: 2385

Re: Good book for 13 year old?

I have not read it, but, you might consider How a second grader beats Wall Street
by CABob
Thu Nov 06, 2014 1:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Good book for 13 year old?
Replies: 14
Views: 1729

Re: simple cell phone but with E911

You might consider Jitterbug.
http://www.greatcall.com/
by CABob
Sun Nov 02, 2014 6:12 pm
 
Forum: Personal Consumer Issues
Topic: simple cell phone but with E911
Replies: 14
Views: 1558

Re: How does retirement company make money?

When I asked to get rid of the Dreyfus index funds and replace them with Vanguard Index funds they stated because the ER is so low with Vanguard they would then have to charge more elsewhere, however, they were not specific. I think what they mean is that if they offered Vanguard funds they would n...
by CABob
Sun Nov 02, 2014 1:21 pm
 
Forum: Investing - Theory, News & General
Topic: How does retirement company make money?
Replies: 31
Views: 3263

Re: Inherited IRA RMD - keep funds in cash or ???

I do not "prepare" the AA within my IRA anticipating a RMD. When it comes time for the RMD I have it taken proportionately from the holdings in the IRA and it comes out in cash. Then I decide what to do with the cash, i.e. invest in taxable account, use as spending money, take a vacation, ...
by CABob
Sat Nov 01, 2014 9:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA RMD - keep funds in cash or ???
Replies: 4
Views: 379

Re: Trick or Treating Minimum Requirements

We also have a homecoming football game tonight that may cut down in the quantity, but we are prepared for about 80 with a reserve supply (that means stuff that I also like) of almost that many. I haven't counted in the past but suspect that it has been about 100.
by CABob
Fri Oct 31, 2014 6:30 pm
 
Forum: Personal Consumer Issues
Topic: Trick or Treating Minimum Requirements
Replies: 20
Views: 1360

Re: My favorite Vanguard balanced fund

joe8d wrote:
I was surprised at his comment on Vanguard not having a 50/50 balanced fund.


Yes, I stated many times that VG should create a 5th Life Strategy Fund,LS Balanced 50/50.

Interesting thoughts and I am inclined to agree. It seems as if a 60/40 or a 40/60 are more popular and recommended more often.
by CABob
Thu Oct 30, 2014 9:32 pm
 
Forum: Investing - Theory, News & General
Topic: My favorite Vanguard balanced fund
Replies: 20
Views: 4171

Re: Why so long to transfer IRA to Vanguard?

I'm not sure why it would take three weeks, but, I have heard from others that it may take a while. Several years ago I rolled over a 401k plan to Vanguard and I recall it took a while, perhaps two weeks. The VG rep may have made a longer than usual estimate to cover his backside should it get delay...
by CABob
Thu Oct 30, 2014 5:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why so long to transfer IRA to Vanguard?
Replies: 29
Views: 1828

Re: How to teach kids about Bogleheads

LeeMKE wrote:Didja know that Monopoly was based on Philadelphia, the home of Vanguard?

Interesting - I have always thought and Wikipedia says that it is based on Atlantic City.
Wikipedia link
The original version of the game in this format was based on Atlantic City, New Jersey.
by CABob
Thu Oct 30, 2014 1:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to teach kids about Bogleheads
Replies: 12
Views: 1613

Re: Pets and extended travel

I don't know the answer, but, I applaude you for thinking about it well in advance. Personally I would have some difficulty in leaving a beloved pet for a month or longer at a time both for my sake and the pets well being. For some interesting reading, how about a year in Europe with a cat. http://w...
by CABob
Wed Oct 29, 2014 9:45 pm
 
Forum: Personal Consumer Issues
Topic: Pets and extended travel
Replies: 13
Views: 1227

Re: Men's Personal Hygiene Products

For those that like a shave cream such as Cremo, don't you find that they tend to clog the razor and the razor is hard to clean?
by CABob
Wed Oct 29, 2014 10:49 am
 
Forum: Personal Consumer Issues
Topic: Men's Personal Hygiene Products
Replies: 37
Views: 3111

Re: Men's Personal Hygiene Products

Generally I think the standard drug store products are just fine. Most often I use Gillette Series shave gel and Old Spice body wash (I like the one for hair and body). For after shave lotions I prefer the cream lotions light or non-scented rather than the cologne or alcohol based lotions and have s...
by CABob
Tue Oct 28, 2014 11:07 pm
 
Forum: Personal Consumer Issues
Topic: Men's Personal Hygiene Products
Replies: 37
Views: 3111

Re: 5 year warranty?

Does the waranty cover replacing one or more of the appliances if needed? Is there a deductable charge? If it does, $1300 for 5 years doesn't seem to be a bad deal for 12 year old appliances. Generally warranties are a good deal .. for the issuer of the warranty. A couple of replacements during that...
by CABob
Mon Oct 27, 2014 5:22 pm
 
Forum: Personal Consumer Issues
Topic: 5 year warranty? [on existing appliances]
Replies: 16
Views: 1119

Re: Are RMD Withdrawals Making My IRA Into A Taxable Account

I doubt that you are confused. Since you have had the IRA you have known that withdrawals will be taxed at ordinary income tax rates. Nothing has changed except now it is actually happening. The balance that is left in the IRA is still tax deferred. It is not the same as a taxable account since with...
by CABob
Mon Oct 27, 2014 12:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are RMD Withdrawals Making My IRA Into A Taxable Account
Replies: 10
Views: 816

Re: THANK YOU!!! Bogleheads Conference #13 (2014)

coachz wrote:Any videos to help educate us peasants from the meet up?

See Lady Geek's message above.
by CABob
Sun Oct 26, 2014 6:39 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 69
Views: 7137

Re: What happened to SoCal Chapter?

Southern California extends from Santa Barbara to San Diego. It's difficult to set up a meeting and get people to attend when the area is that spread out. Right! I suspect there might be a few others beside myself up in the Santa Barbara, Ventura, Thousand Oaks area even though Gordon has abandoned...
by CABob
Thu Oct 23, 2014 11:47 am
 
Forum: Local Chapters and Bogleheads Community
Topic: What happened to SoCal Chapter?
Replies: 19
Views: 2662

Re: The Three Fund Portfolio

Alternately, is there any rule of thumb for when investors should seriously consider the idea? Not a rule of thumb, but, I am lead to believe that as long as one has a significant percentage of equities in portfolio their growth will reflect inflation and therefore TIPS are not needed. Someone with...
by CABob
Wed Oct 22, 2014 10:05 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 950
Views: 393578

Re: Do all mutual funds have 12b-1 fees?

I also think he is wrong and there is no reason for you to be confused.
Perhaps he was saying (without saying) that all funds available in your 403b plan have 12b1 fees.
Or perhaps the salesman was the one that was confused. I certainly don't want to suggest that he was lying. :twisted:
by CABob
Wed Oct 22, 2014 10:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Do all mutual funds have 12b-1 fees?
Replies: 23
Views: 3612

Re: Reporter doing story on PIMCO in 401k

alec wrote:Mel, you probably got no takers because the pimco fund isn't the only option. My 401k has VBMFX in addition to Pimco TR.

As I read Mel's quote in the OP I don't think that would rule you out as a candidate for interview. Perhaps Mel can clarify. Of course, I now see that it is too late to respond.
by CABob
Tue Oct 21, 2014 7:39 pm
 
Forum: Investing - Theory, News & General
Topic: Reporter doing story on PIMCO in 401k
Replies: 8
Views: 1148

Re: How do you wash your car?

I use a combination of express wash and full service wash. If it is mostly surface dirt the express wash does a reasonably good job. For more significant dirt (bird droppings, tar, bugs, etc.) I use a full service wash and get the interior cleaned also.
by CABob
Mon Oct 20, 2014 6:36 pm
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 7113

Re: Shoes for Plantar Fasciitis?

My DD who is a runner has had some PF problems in the past and swears by Heel that Pain. I also tried them and did not have great results. YMMV
by CABob
Mon Oct 20, 2014 12:36 pm
 
Forum: Personal Consumer Issues
Topic: Shoes for Plantar Fasciitis?
Replies: 47
Views: 2437

Re: Windows XP

I am still using XP but have had some problems with it that I think may be more related to a hard drive that is filled almost to capacity. I have a newer computer with Win 8 that I don't really like or I suppose it would be more correct that I am not used to using. I should have followed the advice ...
by CABob
Mon Oct 20, 2014 10:20 am
 
Forum: Personal Consumer Issues
Topic: Windows XP
Replies: 62
Views: 3056

Re: Mold in dishwasher

There are dishwasher cleaners available which many manufacturers recommend using. I believe that the primary ingredient of the cleaner is citric acid.
by CABob
Sun Oct 19, 2014 5:25 pm
 
Forum: Personal Consumer Issues
Topic: Mold in dishwasher
Replies: 14
Views: 1138
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