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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 10:45 pm
 
Forum: Personal Consumer Issues
Topic: Pets and extended travel
Replies: 8
Views: 634

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 11:49 am
 
Forum: Personal Consumer Issues
Topic: Men's Personal Hygiene Products
Replies: 37
Views: 2752

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
Wed Oct 29, 2014 12:07 am
 
Forum: Personal Consumer Issues
Topic: Men's Personal Hygiene Products
Replies: 37
Views: 2752

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 6:22 pm
 
Forum: Personal Consumer Issues
Topic: 5 year warranty? [on existing appliances]
Replies: 15
Views: 880

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 1:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are RMD Withdrawals Making My IRA Into A Taxable Account
Replies: 10
Views: 783

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 7:39 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 48
Views: 4210

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 12:47 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: What happened to SoCal Chapter?
Replies: 19
Views: 2437

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 11:05 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 914
Views: 372901

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 11:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Do all mutual funds have 12b-1 fees?
Replies: 23
Views: 3561

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 8:39 pm
 
Forum: Investing - Theory, News & General
Topic: Reporter doing story on PIMCO in 401k
Replies: 8
Views: 1132

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 7:36 pm
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 6831

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 1:36 pm
 
Forum: Personal Consumer Issues
Topic: Shoes for Plantar Fasciitis?
Replies: 47
Views: 2349

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 11:20 am
 
Forum: Personal Consumer Issues
Topic: Windows XP
Replies: 62
Views: 2951

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 6:25 pm
 
Forum: Personal Consumer Issues
Topic: Mold in dishwasher
Replies: 14
Views: 1118

Re: When is a living trust and/or will appropriate?

I think that a will is always in order. The question that remains is whether a trust is needed in addition to the will. Most if not all of the assets you listed can be addressed by transfer on death, payable on death, or listed beneficiary designations so they would not necessarily require a trust. ...
by CABob
Sun Oct 19, 2014 1:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: When is a living trust and/or will appropriate?
Replies: 11
Views: 1737

Re: WSJ's Jon Clements: "How to Make Your Savings Outlive Yo

This link for the WSJ article may be easier to read and print.
by CABob
Sun Oct 19, 2014 12:48 pm
 
Forum: Investing - Theory, News & General
Topic: WSJ's Jon Clements: "How to Make Your Savings Outlive You"
Replies: 14
Views: 2825

Re: Why are 401k plans expensive? [Help with plan, portfolio

I suggest you look to see if the administrative charge is a fixed percentage of the amount you have in the plan rather than the amount of contributions. There should be some information either from your HR department or from Handcock as to fees for the plan. An often quoted "rule" is to co...
by CABob
Sat Oct 18, 2014 2:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why are 401k plans expensive? [Help with plan, portfolio]
Replies: 4
Views: 453

Re: What tax software do you use and why

I have used TaxCut, TaxAct, TurboTax, and a couple of others that are no longer available. For the past 4 years or so I have used TT primarily because I get the software at a good price even thought I really prefer TC and TA. My taxes are relatively easy and any of the applications will produce sati...
by CABob
Sat Oct 18, 2014 1:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: What tax software do you use and why
Replies: 54
Views: 2569

Re: Got my first cold call - does this mean I've 'made it?'

I doubt that it means you have "made it". I started receiving these call long before I considered myself to be in the "made it" category. A lot of these are doing their advance work at employees who will eventually cash out 401k plans and lump sum pensions and hope to get some of...
by CABob
Thu Oct 16, 2014 7:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Got my first cold call - does this mean I've 'made it?'
Replies: 30
Views: 5452

Re: Why are 401k plans expensive?

Incompetence. :?: On whose part :?: I think that perhaps because too many people are trying to make a buck or spend as few bucks as possible. The employer wants to provide this as a benefit to employees but wants to spend as little as possible. The plan administrator wants to make a profit and eith...
by CABob
Thu Oct 16, 2014 7:49 pm
 
Forum: Investing - Theory, News & General
Topic: Why are 401k plans expensive?
Replies: 39
Views: 3049

Re: What happens when there is no estate planning: reference

they have no will and no plan - questions are answered "you can figure it out when were gone....". I think you need to stress to them that after they are gone you will not be able to figure it out. It will be in the hands of the state. It sounds like you have been looking into your state'...
by CABob
Mon Oct 13, 2014 5:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: What happens when there is no estate planning: reference?
Replies: 18
Views: 1154

Re: New to investing - Is this a good idea?

Investing in a total stock market fund is a reasonable choice, but, I would point out that since you already have the TR2050 fund in an IRA adding the TSM in a taxable account would throw off the 90/10 allocation you indicate is what is desired. You might want to consider changing to an earlier date...
by CABob
Mon Oct 13, 2014 2:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to investing - Is this a good idea?
Replies: 6
Views: 869

Re: What happens when there is no estate planning: reference

I would suggest the book Beyond the Grave by Condon. I last read the original edition many years ago and as I recall most of it had to do with the poor things you could do with wills and trusts and not what happens when there is no will, but, you might find the book informative and provide some &quo...
by CABob
Mon Oct 13, 2014 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: What happens when there is no estate planning: reference?
Replies: 18
Views: 1154

Re: Are Savings Bonds Considered Cash?

Thank you! My big question is whether to count these are bonds or cash. Are they considered part of the investment portfolio or should I consider more as part of the emergency fund? I don't really have anything identified as an emergency fund or perhaps my entire portfolio is my emergency fund so I...
by CABob
Sun Oct 12, 2014 5:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are Savings Bonds Considered Cash?
Replies: 16
Views: 982

Re: Vanguard Target Retirement Funds for Roth IRA

Both the TR and LS funds include the total stock market fund. This fund has market weights of small and mid cap stocks so you would have representation in the smaller companies. Some would argue that one should have an even higher exposure to smaller stocks which increase you expected return, but, a...
by CABob
Sun Oct 12, 2014 2:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement Funds for Roth IRA
Replies: 3
Views: 407

Re: Investing Advice [NYT article on "buying" investment adv

Interesting article. There are some specific situations when brokers must act as fiduciaries — for example, when they collect a percentage of total assets to manage an investment account, or when they are given full control of an investor’s account. But under current rules, a broker can take off his...
by CABob
Sun Oct 12, 2014 2:00 pm
 
Forum: Investing - Theory, News & General
Topic: Investing Advice [NYT article on "buying" investment advice]
Replies: 9
Views: 969

Re: Wine - how to keep it from not spoiling?

How about the Air Cork.
Storing a red wine for a week after opening is pushing it IMO.
by CABob
Fri Oct 10, 2014 2:56 pm
 
Forum: Personal Consumer Issues
Topic: Wine - how to keep it from not spoiling?
Replies: 57
Views: 2883

Re: Roth IRA:Which custodian to pick?

I'm not sure why anyone would recommend Scottrade or even use them. They seem to offer absolutely no advantages over anybody. If someone wanted to invest in individual stocks or ETFs from several sources Scottrade is a reasonable choice. They may not have an advantage over others, but they may be j...
by CABob
Thu Oct 09, 2014 10:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA:Which custodian to pick?
Replies: 13
Views: 903

Re: Roth IRA:Which custodian to pick?

Any advice or shed some light on why CFP wouldn't be recommending Vanguard?? Since Vanguard does not have loads or 12b1 fees on their funds and their expenses are quite low they don't have any extra money to share with advisors who sell their products. I would suggest you determine what investments...
by CABob
Thu Oct 09, 2014 1:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA:Which custodian to pick?
Replies: 13
Views: 903

Re: Why Wouldn't You Tilt To Small Value?

Tilt? Yes I guess I do since I hold the SCV fund at about 10% of equities (and also a similar holding in a REIT fund).
But to be honest I have been thinking recently that these tilts may not be appropriate for me and I may get rid of them.
by CABob
Wed Oct 08, 2014 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: Why Wouldn't You Tilt To Small Value?
Replies: 52
Views: 2936

Re: Is it normal to lose $$$?

Depending on what you were invested in prior to the conversion and your allocations it is quite likely that your prior portfolio would have also lost money over the same period.
by CABob
Sun Oct 05, 2014 11:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it normal to lose $$$?
Replies: 26
Views: 3998

Re: Approximate The Three-Fund Portfolio!

fposte wrote:Vanguard treats the overall U.S. market as 64% large, 28% mid, and 8% small cap in its benchmarks.

And I believe M* has it currently at about 73/18/9.
by CABob
Sun Oct 05, 2014 12:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Approximate The Three-Fund Portfolio!
Replies: 10
Views: 842

Re: Approximate The Three-Fund Portfolio!

At a glance, looks pretty close, although IIRC the mid-cap portion of the US stock market is larger than the small cap portion. You might want to check that to see whether it makes any difference to you. Looks like a great investment portfolio. Congratulations. Actually, the midacp is smaller at 4%...
by CABob
Sun Oct 05, 2014 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Approximate The Three-Fund Portfolio!
Replies: 10
Views: 842

Re: Motley fool?

Yes, they are legit and have been around for many years. I have been following them almost since their beginnings on America On Line accessing their site with a 2400 baud dial-up modem (if that doesn't age me I don't know what will). They have gone through several iterations from free to paid to a c...
by CABob
Fri Oct 03, 2014 3:12 pm
 
Forum: Investing - Theory, News & General
Topic: Motley fool?
Replies: 16
Views: 1895

Re: Three fund allocation per Vanguard Flagship CFP?

Taylor -- Wake up! I think perhaps Taylor is out sailing. :beer But, if he were here he might point out a very lengthy conversation regarding the 3-fund portfolio at http://www.bogleheads.org/forum/viewtopic.php?f=10&t=88005 which is one of several portfolios described as lazy http://www.bogleh...
by CABob
Fri Oct 03, 2014 2:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Three fund allocation per Vanguard Flagship CFP?
Replies: 45
Views: 4757

Re: ETF or mutual fund

I can't think of a reason that would lead one to an advantage of having a mixture of funds and ETFs. Generally one chooses one or the other, however, circumstances might make a mixture practical. For example, I have a mutual fund account with Vanguard. I also have a brokerage account with another in...
by CABob
Fri Oct 03, 2014 1:53 pm
 
Forum: Investing - Theory, News & General
Topic: ETF or mutual fund
Replies: 6
Views: 604

Re: Solar Panel company recommendations - San Diego/ Souther

Also, some of the companies just didn't want to bother with us as our roof is partly shaded (but still usable). The companies want customers with the perfect setup so they can make as much money as possible with the leases. Interesting comment. I see a number of installations that have the panels p...
by CABob
Tue Sep 30, 2014 11:49 am
 
Forum: Personal Consumer Issues
Topic: Solar Panel company recommendations - San Diego/ Southern CA
Replies: 11
Views: 830

Re: Target-Date funds

But I can buy and sell the whole fund?

The target date funds are just like any other mutual fund as far as buying and selling. You can buy more at any time. You can sell all or part of the fund at any time.
by CABob
Mon Sep 29, 2014 11:17 pm
 
Forum: Investing - Theory, News & General
Topic: Target-Date funds
Replies: 17
Views: 880

Re: Asset Allocation, ETFs, Target retirement or Index Fund?

The ETFs have a lower expense ratio than the target rate fund? Yes thay do. The target date funds have prorated expenses of the Investor share funds while the ETFs have expenses that are the same as Admiral share funds. But, the difference in expenses between the target funds and ETFs will hardly b...
by CABob
Sun Sep 28, 2014 10:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation, ETFs, Target retirement or Index Fund?
Replies: 9
Views: 639

Re: Asset Allocation, ETFs, Target retirement or Index Fund?

Any of the options are reasonable. You don't say whether this is currently your only investment or whether you have other accounts, but, I will assume that this account stands alone. If and when there are other accounts you will need to look at your portfolio in total and not this Roth in isolation....
by CABob
Sun Sep 28, 2014 7:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation, ETFs, Target retirement or Index Fund?
Replies: 9
Views: 639

Re: Solar Panel company recommendations - San Diego/ Souther

This is not a recommendation since I do not have any first hand knowledge with them or any other company, but Vivint has been doing a lot of selling and installations in my area.
by CABob
Sun Sep 28, 2014 5:28 pm
 
Forum: Personal Consumer Issues
Topic: Solar Panel company recommendations - San Diego/ Southern CA
Replies: 11
Views: 830

Re: Is there any point in putting stock index funds in IRA?

When you are investing tax efficiently you should put your most tax inefficient investments in your tax advantaged accounts. The tax efficient investments can go in any account that is available.
by CABob
Sun Sep 28, 2014 3:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is there any point in putting stock index funds in IRA?
Replies: 9
Views: 894

Re: New VG upgraded account feature - shows "in progress"?

Maybe I don't have a brokerage account after all. Maybe all I have is a mutual fund account. I didn't know there was a difference. I haven't done any trading other than buying/exchanging mutual funds. How do I tell what kind of account I have? If all you have in an account are Vanguard mutual funds...
by CABob
Thu Sep 25, 2014 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: New VG upgraded account feature - shows "in progress"?
Replies: 13
Views: 1078

Re: What did you always wish for but never got?

For some reason, as a child I wanted a Carrom Board . A friend had one that I loved to play on. They were not all that expensive as I recall and I'm not even sure my parents were aware of my desire. I never received it either a child or later. But, every time I see one or am somehow reminded by a co...
by CABob
Wed Sep 24, 2014 4:53 pm
 
Forum: Personal Consumer Issues
Topic: What did you always wish for but never got?
Replies: 87
Views: 5317

Re: Where to find historical race data for specific zip code

The Wikipedia has a lot of this type of information under a city's name which I usually find with a Google search. For example, go to Sacramento, CA, scroll down about half way and look for Demographics. Many of the Wikipedia listings for states have similar demographic information.
by CABob
Wed Sep 24, 2014 4:25 pm
 
Forum: Personal Consumer Issues
Topic: Where to find historical race data for specific zip code?
Replies: 14
Views: 1426

Re: Withdrawl from Target Retirement or Life Strategy Fund

Bumping thread. Why? You have received a number of replies that have addressed your question although they may not have all been in agreement with each other, but, that is to be expected. Does there remain an issue that has not been addressed or that you have confusion about? Personally, I don't se...
by CABob
Mon Sep 22, 2014 11:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Withdrawl from Target Retirement or Life Strategy Fund
Replies: 51
Views: 4556

Re: When to throw out childhood toys? Encourage me please.

Hand it out at Halloween

There's an idea I hadn't thought of, but, may have merit. I envision a box of toys beside the front door and inviting the witches and goblins to help themselves.
by CABob
Mon Sep 22, 2014 1:11 pm
 
Forum: Personal Consumer Issues
Topic: When to throw out childhood toys? Encourage me please.
Replies: 34
Views: 2439

Re: When to throw out childhood toys? Encourage me please.

Of all the toys I had as a child my parents decided to keep a toy cash register similar to Tom Thumb which I now have. It appears that they are not rare and can be had for $10 to $30. I don't have any particular attachment to it, but, haven't disposed of it yet.
My vote is to trash or donate.
by CABob
Sun Sep 21, 2014 7:09 pm
 
Forum: Personal Consumer Issues
Topic: When to throw out childhood toys? Encourage me please.
Replies: 34
Views: 2439

Re: How to add to my portfolio monthly without crazy fees

I was coming back here just now to ask why people recommended the target date fund through vanguard for someone with a small account balance. Why start there and then switch over to the 3 fund portfolio after the fact, when you have more money? (But i do love the idea of owning just ONE fund, that ...
by CABob
Sat Sep 20, 2014 11:44 am
 
Forum: Investing - Help with Personal Investments
Topic: How to add to my portfolio monthly without crazy fees
Replies: 39
Views: 3086

Re: How to add to my portfolio monthly without crazy fees

notwerby, Most of the replies on this conversation are suggesting and recommending that you transfer the account to Vanguard and hold either index funds or a fund of funds in it. For some reason you seem to be reluctant to do that and are talking about reasons to stay with TD Ameritrade. Can you tel...
by CABob
Tue Sep 16, 2014 9:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to add to my portfolio monthly without crazy fees
Replies: 39
Views: 3086
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