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Re: ShopSmart from Consumer Reports

I have subscribed for a couple of years. I enjoy it and find it interesting and useful even though we are beyond the peak purchasing years. When it comes time for renewal we will probably debate it again since I am inclined to think it is a bit pricy for what you get. I think the going rate is about...
by CABob
Wed Apr 23, 2014 11:29 pm
 
Forum: Personal Consumer Issues
Topic: ShopSmart from Consumer Reports
Replies: 4
Views: 468

Re: Requiem for Magic Formula fund--anyone know how it did?

There was and apparently is some interest in Magic Formula on The Motley Fool site. They have a message board on the subject and it still seems to have some followers. Perhaps a review of posts there would provide some information of interest. http://boards.fool.com/magic-formula-investing-117512.as...
by CABob
Wed Apr 23, 2014 4:10 pm
 
Forum: Investing - Theory, News & General
Topic: Requiem for Magic Formula fund--anyone know how it did?
Replies: 9
Views: 957

Re: Identity Theft Protection

Probably not a consensus but I think personal diligence is best.
by CABob
Tue Apr 22, 2014 5:34 pm
 
Forum: Personal Consumer Issues
Topic: Identity Theft Protection
Replies: 5
Views: 326

Re: POLL: why carry cash?

I don't see a choice for my credit card use. Generally I will pay cash for transactions up to $10-$15 and a card for larger transactions. As far as the time to make the transation at the store it seems to me that a cash transaction usually takes less time than a cc transaction so I don't agree with ...
by CABob
Sat Apr 19, 2014 1:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 225
Views: 7498

Re: Magnifying Glasses

Have you tried reading glasses available at your local drug store?
Or is that not what you are looking for.
by CABob
Thu Apr 17, 2014 4:26 pm
 
Forum: Personal Consumer Issues
Topic: Magnifying Glasses
Replies: 4
Views: 262

Re: Draft email to investment advisor re outperforming Total

I'm sure you didn't mean it this way, but, the impression I got from the OP was that you wanted your advisior to lie to you so you have a justification for staying with her.
by CABob
Thu Apr 17, 2014 4:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Draft email to investment advisor re outperforming Total Mar
Replies: 24
Views: 2404

Re: I need a new coffee maker, any recommendations?

Ten years with a Bunn sounds good to me. I've used Bunn makers at home and some at work for probably 25 years and have been happy with them. It sounds as though you have also been happy with the Bunn, so why not stick with it?
by CABob
Thu Apr 17, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: I need a new coffee maker, any recommendations?
Replies: 60
Views: 2259

Re: Can this 4% CD be trusted?

A Google search for "sun trust" provides some interesting links including http://www.mymoneyblog.com/new-marketin ... rates.html
by CABob
Tue Apr 15, 2014 4:08 pm
 
Forum: Investing - Theory, News & General
Topic: Can this 4% CD be trusted?
Replies: 21
Views: 2423

Re: Woodpeckers...I'm desperate!

Perhaps taking away whatever he is looking for might help. Have you tried contacting a pest control company to see if they have any ideas or are aware of others that have had similar problems.
by CABob
Sat Apr 12, 2014 8:52 pm
 
Forum: Personal Consumer Issues
Topic: Woodpeckers...I'm desperate!
Replies: 52
Views: 3444

Re: How to rebalance if bonds all in Ira

Usually you will need some duplication of holdings in accounts and between taxable and tax advantaged accounts in order to rebalance.
by CABob
Sun Apr 06, 2014 11:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to rebalance if bonds all in Ira
Replies: 5
Views: 526

Re: San Diego travel advice

This is California - so I think a car is highly recommended if not mandatory. :P Seriously, I think a car would be desireable even for getting about downtown. Typical touristy things to consider would be: Wild Animal Park (instead of or in addition to zoo, Sea World, Coronado Island, Old Town, Balbo...
by CABob
Sun Apr 06, 2014 12:40 pm
 
Forum: Personal Consumer Issues
Topic: San Diego travel advice
Replies: 5
Views: 277

Re: credit report

Bigspender, Is it a credit report or credit score you are looking for? Prior responders have talked about both, but I'm not sure what you are looking for. I think the cheapest way to get a real credit score is to order a free credit report through annualcredit report.com and they will generally offe...
by CABob
Mon Mar 31, 2014 1:38 pm
 
Forum: Personal Consumer Issues
Topic: credit report
Replies: 12
Views: 486

Re: Road trip advice?

Is that one driver or two? Obviously, you can stretch the days somewhat with multiple drivers. A number of years ago I made similar trips with multiple drivers in 45 hours driving time including fuel and food stops.
by CABob
Mon Mar 24, 2014 5:05 pm
 
Forum: Personal Consumer Issues
Topic: Road trip advice?
Replies: 35
Views: 2221

Re: Anyone know of places to purchase canes

Infomercials make it questionable in my mind, but a couple of friends like the Hurry Cane.
https://www.hurrycane.com/
by CABob
Thu Mar 20, 2014 7:55 pm
 
Forum: Personal Consumer Issues
Topic: Anyone know of places to purchase canes
Replies: 26
Views: 1258

Re: Counting equity in house in calculating retirement withd

Most suggest that you not include your residence in asset allocations for withdrawal rates because although it is an asset is is a place to live. You have to live someplace, your current home, another home you purchase, another home you rent etc. but they all take some capital which cannot generally...
by CABob
Wed Mar 19, 2014 11:37 pm
 
Forum: Investing - Theory, News & General
Topic: Counting equity in house in calculating retirement withdrawa
Replies: 41
Views: 2105

Re: I bought a rosé this week...

You mean you are taking the time to smell the roses and taste the rosés.
:sharebeer
by CABob
Tue Mar 18, 2014 11:07 pm
 
Forum: Personal Consumer Issues
Topic: I bought a rosé this week...
Replies: 35
Views: 3514

Re: Two cent check from Vanguard

Perhaps the best use would be to tear it up and discard. Vanguard's cost to pay the check might be more than 2 cents and will be paid by you, I, and all other shareholders.
by CABob
Tue Mar 18, 2014 3:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Two cent check from Vanguard
Replies: 27
Views: 1900

Re: Green Bogleheads discussing Target Stock

Remember that anytime you buy an individual stock at what you think is a low price there is someone on the other side of that trade thinking they are selling at a high price.
by CABob
Thu Mar 13, 2014 11:23 pm
 
Forum: Investing - Theory, News & General
Topic: Green Bogleheads discussing Target Stock
Replies: 36
Views: 2446

Re: Costco vs BJs vs Sams Club

We're currently paying members at Sam's club, however I have found myself avoiding going there because they've got salesmen who all but assault me whenever I go in there. (1) At BJs and Coscos do they also have salesmen setup throughout the store bugging the ever living !#@$ out of you? I am curiou...
by CABob
Thu Mar 13, 2014 11:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Costco vs BJs vs Sams Club
Replies: 53
Views: 4021

Re: Pre-paying credit card, then taking cash advance?

My credit card only had about a $300 limit and I actually called the credit card company and asked if I could overpay for $2000. They said no at that time.

This surprises me. I can't see why a cc company would object to an overpayment to an account.
by CABob
Wed Mar 12, 2014 3:50 pm
 
Forum: Personal Consumer Issues
Topic: Pre-paying credit card, then taking cash advance?
Replies: 11
Views: 869

Re: Pre-paying credit card, then taking cash advance?

It would depend on the terms and conditions for your specific credit card, but, I would suspect that for most cards you would be charged a fee for the advance. My experience has been that fees are charged for cash advances that have nothing to do with account balances. There should not be any intere...
by CABob
Wed Mar 12, 2014 2:50 pm
 
Forum: Personal Consumer Issues
Topic: Pre-paying credit card, then taking cash advance?
Replies: 11
Views: 869

Re: Series EE bonds - can I roll into 529?

Some of those bonds may be yielding 4%. I wouldn't want to do anything to mess that up.
by CABob
Sat Mar 08, 2014 10:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Series EE bonds - can I roll into 529?
Replies: 11
Views: 454

Re: Reporting RMD on Turbo Tax

It sounds to me that TT doesn't really address clearly the situation of taking the first RMD split between two years which you did. I would go with the earlier suggestion of answering the question to the best of your ability then seeing if the numbers and forms come out correct.
by CABob
Sat Mar 08, 2014 5:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reporting RMD on Turbo Tax
Replies: 26
Views: 1537

Re: Risk in Mailing Check

Yes it can be lost and also all of the rest of the money in the checking account. The check could be "washed" removing the Payee and amount replaced by othr names and numbers then cashed.
Is it likely to happen? I think not at least to the point I have no problem mailing checks.
by CABob
Fri Mar 07, 2014 7:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Risk in Mailing Check
Replies: 18
Views: 1604

Re: TurboTax Desktop Version

TO CA bob and officer mertz. [Etc.] Have I at least clarified my horrendous initial presentation of the situation? Thanks for the clarification. I think I understand. I have always used a desktop version in the past but was thinking about using an online version this year and wasn't sure the prior ...
by CABob
Thu Mar 06, 2014 8:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax Desktop Version
Replies: 8
Views: 660

Re: How Many Funds Do You Have in Taxable?

Five.
Total stock market (Also in IRA)
Money Market
Short term investment grade bond (chasing yield)
VIG
SDY
by CABob
Thu Mar 06, 2014 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: How Many Funds Do You Have in Taxable?
Replies: 97
Views: 4902

Re: TurboTax Desktop Version

Let me see if I have this correct. If I am using the online version I can access prior year's data and forms that were prepared online. If I am using the desktop version it will access prior years data from a desktop version that is on the same computer. But if I am using a desktop version this year...
by CABob
Thu Mar 06, 2014 12:57 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax Desktop Version
Replies: 8
Views: 660

Re: Predicting dividend price per share

But isn't a higher share price associated with a higher dividend? In ten years from now, suppose VTI is trading at $200 per share. Can we not assume that dividends will effectively be double what they are now? In the long run this is probably a good assumption in many (most?) cases. A company that ...
by CABob
Wed Mar 05, 2014 11:57 am
 
Forum: Investing - Theory, News & General
Topic: Predicting dividend price per share
Replies: 9
Views: 416

Re: Predicting dividend price per share

I would guess that you could assume that the dividend will be the same as the previous one. That will probably be wrong, but, should be near the actual and perhaps a better estimate that one calculated from some other factors.
by CABob
Tue Mar 04, 2014 5:11 pm
 
Forum: Investing - Theory, News & General
Topic: Predicting dividend price per share
Replies: 9
Views: 416

Re: Vanguard VTTSX or Vanguard's VFINX

VTTSX gives you a 90/10% stock/bond allocation. Adding VFINX to it decreases bond exposure and decreases cap size diversity. Although a 16 year old can probably hold a 100% stock allocation without excessive risk I don't really see an upside to it as compared to a pretty agressive allocation in the ...
by CABob
Tue Mar 04, 2014 12:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard VTTSX or Vanguard's VFINX
Replies: 2
Views: 245

Re: Sell Fractional Shares?

Unless there is something I am missing I see no advantage to "fixing" the problem (if it is a problem) at this time. I would be inclined to leave things the way they are until you decide you want to sell the entire stock position including the fractional shares.
by CABob
Fri Feb 21, 2014 4:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sell Fractional Shares?
Replies: 10
Views: 561

Re: Daily Tax-Loss Harvesting with Wealthfront

I would assume they mean that they constantly look for opportunities to tax loss harvest (TLH) not that they use those opportunities on a daily basis (I hope). TLH is a well recognized techinque that if often discussed here and is addressed in the Wiki. I think you could read these sources and it wo...
by CABob
Thu Feb 20, 2014 6:55 pm
 
Forum: Investing - Theory, News & General
Topic: Daily Tax-Loss Harvesting with Wealthfront
Replies: 2
Views: 379

Re: Vanguard Target Date Funds

1. The expense ratio is .18 which is very reasonable. However, is this skimming off the top of the funds that it holds? I also have heard that it holds investor shares, not the lower expense ratio admiral shares. The TR funds charge a pro-rated share of the ERs of the funds contained therein. They ...
by CABob
Sun Feb 16, 2014 9:46 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Target Date Funds
Replies: 14
Views: 1492

Re: ASPCA vs Humane Society

I have donated to county and other local humane and animal rescue organizations. I have been told that the ASPCA is primarily a lobbying organization and little or no funds actually go to the animals. Because of this I have not contributed to the ASPCA, but I would appreciate it if anyone with more ...
by CABob
Sat Feb 15, 2014 8:48 pm
 
Forum: Personal Consumer Issues
Topic: ASPCA vs Humane Society
Replies: 27
Views: 1661

Re: The Three Fund Portfolio

Nowizard wrote:It would be interesting to see the 1, 5, 10 year returns for this portfolio against others. Looks like it would be about12% for a 60/40 portfolio.

Tim

viewtopic.php?f=10&t=132189
by CABob
Sat Feb 15, 2014 8:17 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 749
Views: 258671

Re: BNI Business networking

Bump
Anybody?
by CABob
Sat Feb 15, 2014 1:52 pm
 
Forum: Personal Consumer Issues
Topic: BNI Business networking
Replies: 1
Views: 127

Re: Target & LifeStrategy rebalancing

I don't recall ever seeing anything from Vanguard regarding why. In fact I don't recall ever seeing that they did daily rebalancing. I would suspect that they constantly have inflows and outflows to the funds and when they do the buying and selling needed to compensate for these flows it is just as ...
by CABob
Fri Feb 14, 2014 7:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target & LifeStrategy rebalancing
Replies: 1
Views: 312

BNI Business networking

Does anyone have any experience or knowledge about BNI? http://www.bni.com/Home/tabid/36/Default.aspx A friend has attended one of their meetings and has asked about them. They are apparently a national or international organization with local chapters for the purpose of networking with others for p...
by CABob
Fri Feb 14, 2014 6:05 pm
 
Forum: Personal Consumer Issues
Topic: BNI Business networking
Replies: 1
Views: 127

Re: How to get in on an IPO

Dutch wrote:First rule of IPO .........
if it sounds too good to be true ...?
by CABob
Fri Feb 14, 2014 5:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to get in on an IPO
Replies: 23
Views: 1616

Re: How to get in on an IPO

Many years ago I was given the advice, "If an IPO is a good deal you won't be able to buy, and if you are offered shares you should pass since its a bad deal." So far, that advice has been right on.
by CABob
Thu Feb 13, 2014 7:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to get in on an IPO
Replies: 23
Views: 1616

Re: TurboTax best discount via Vanguard? Or others?

Like many question on this forum the answer is "It depends". It depends on what version of TT you need, it depends on whether you want the application installed on your computer or want to work from the internet, it depends on when you purchase the application, and it depends on whether yo...
by CABob
Thu Feb 13, 2014 3:45 pm
 
Forum: Personal Consumer Issues
Topic: TurboTax best discount via Vanguard? Or others?
Replies: 6
Views: 916

Re: FORUM'S UPCOMING 7TH BIRTHDAY

* At any one time, there are between 500 and 700 people online.
What does this number mean? When I look at the list of people online below the conversations there is typically 20-30 names there.
But, Happy Birthday to a most sucessful and useful forum anyway.
by CABob
Thu Feb 13, 2014 12:19 am
 
Forum: Investing - Theory, News & General
Topic: FORUM'S UPCOMING 7TH BIRTHDAY
Replies: 23
Views: 1346

Re: Son moving to LA - neighborhood/town recommendations?

How about south el monte and Arcadia are they good areas? I am not from there but am looking to. I'm not real familiar with those areas but I would guess that Arcadia is OK, South El Monte not as good. Arcadia is probably 1-2hrs with traffic from LAX......so no. I agree, but, saw this post as a sep...
by CABob
Tue Feb 11, 2014 11:21 pm
 
Forum: Personal Consumer Issues
Topic: Son moving to LA - neighborhood/town recommendations?
Replies: 43
Views: 3067

Re: Need Advice on Career - Offered Portfolio Mgmt. Type Rol

Your updated job description is helpful since the original had me thinking Edward Jones.
by CABob
Tue Feb 11, 2014 11:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need Advice on Career - Offered Portfolio Mgmt. Type Role
Replies: 26
Views: 1781

Re: Son moving to LA - neighborhood/town recommendations?

rec7 wrote:How about south el monte and Arcadia are they good areas? I am not from there but am looking to.

I'm not real familiar with those areas but I would guess that Arcadia is OK, South El Monte not as good.
by CABob
Tue Feb 11, 2014 11:01 pm
 
Forum: Personal Consumer Issues
Topic: Son moving to LA - neighborhood/town recommendations?
Replies: 43
Views: 3067

Re: Son moving to LA - neighborhood/town recommendations?

I lived for many years in Torrance and would suggest you add it to your consideration. You should probably also add Redondo Beach to the list. Westchester, the area just north of LAX might also be a possible. Personally I would take Lennox off of the list and be cautious of areas in Hawthorne, Garde...
by CABob
Tue Feb 11, 2014 2:23 pm
 
Forum: Personal Consumer Issues
Topic: Son moving to LA - neighborhood/town recommendations?
Replies: 43
Views: 3067

Re: Renew Barron's Subcription

I used to go to Borders Bookstore on the weekends to read it there while having a cup at the coffee shop. I'm not sure there is anything like that currently available in your neighborhood, but you might check out some coffee shops that cater to newspaper readers.
by CABob
Mon Feb 10, 2014 11:31 pm
 
Forum: Personal Consumer Issues
Topic: Renew Barron's Subcription
Replies: 22
Views: 1220

Re: Valentine's Day

I'm not usually a flowers and candy kind of guy, but, am going to shock her with some flowers this year. Also a funny (as opposed to romantic) card if I get out although I agree with one of the earlier posters that I get sticker shock from the price of cards these days. She did drop a hint that she ...
by CABob
Mon Feb 10, 2014 2:27 pm
 
Forum: Personal Consumer Issues
Topic: Valentine's Day
Replies: 43
Views: 2606

Re: monthly dividend mutual fund

pkcrafter wrote:S&P dividend ETF, ticker SPY. That's the answer to the question you asked without all the discussion of why dividend investing may not be optimal.

Paul

I think Paul intended to say SDY. I believe however that dividends are paid quarterly not monthly.
by CABob
Sat Feb 08, 2014 4:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: monthly dividend mutual fund
Replies: 6
Views: 658
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