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Re: If you are a winner before fees, why not lower the ER?

You are suggesting that funds intentially run at a loss? That doesn't sound like a good business plan to me.
by CABob
Tue Jul 22, 2014 11:01 am
 
Forum: Investing - Theory, News & General
Topic: If you consistently outperform (pre-fees), why not lower ER?
Replies: 35
Views: 1131

Re: What Web Tools / Resources Would Help You Invest Better?

It's pretty hard to beat the Bogleheads Forum.
by CABob
Mon Jul 21, 2014 10:26 pm
 
Forum: Investing - Theory, News & General
Topic: What Web Tools / Resources Would Help You Invest Better?
Replies: 4
Views: 590

Re: how often do you look at your account

I have a spreadsheet that I use to keep track of portfolio, asset allocations, etc. I update it at the beginning of every quarter so I take a detailed look at investments quarterly. There may be some occasions, however, where I might look at an account more often, but, that is for some specific purp...
by CABob
Sun Jul 20, 2014 9:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: how often do you look at your account
Replies: 70
Views: 3522

Re: Turbo Tax .TAX file format

Have you asked TurboTax to see if they have available "readers" for these old format files?
by CABob
Sun Jul 20, 2014 2:12 pm
 
Forum: Personal Consumer Issues
Topic: Turbo Tax .TAX file format
Replies: 11
Views: 695

Re: The ultimate Boglehead exercise

I am partial to the following exercise. Begin by standing on a comfortable surface, where you have plenty of room on each side. With a 5-lb potato bag in each hand, extend your arms straight out from your sides. Hold them there as long as you can. Try to reach a full minute, and then relax. Each day...
by CABob
Sat Jul 19, 2014 4:25 pm
 
Forum: Personal Consumer Issues
Topic: The ultimate Boglehead exercise
Replies: 30
Views: 3299

Re: How exactly does Vanguard's RMD service work? Rebalancin

It appears to me that handling RMDs is a major effort for both IRA and 401K custodians. They have to meet a lot of requirements. Determining the dollar value of the RMD would be pretty straight forward. Determining from which funds and how much, on what schedule is where it gets somewhat complex. I...
by CABob
Sat Jul 19, 2014 4:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: How exactly does Vanguard's RMD service work? Rebalancing?
Replies: 44
Views: 3554

Re: Do I Understand My Dividends and thier Taxes?

You should also be aware that some dividends are not qualified by their nature. For example, bond mutual funds report and pay dividends but are not qualified I guess because they are really interest.
Dividends paid by REITs are generally not qualified.
by CABob
Sat Jul 19, 2014 1:34 pm
 
Forum: Investing - Theory, News & General
Topic: Do I Understand My Dividends and thier Taxes?
Replies: 3
Views: 709

Re: Invest in pricey 403(b),or skip it and go taxable?

You didn't mention whether there is an employer match of any contributions. If there is I would definitely contribute to get the maximum match. I see no good reason to wait until a couple of years before retiring to contribute. You would end up not contributing very much at all. It it is a tough cal...
by CABob
Fri Jul 18, 2014 6:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest in pricey 403(b),or skip it and go taxable?
Replies: 16
Views: 1045

Re: VTI, VTSAX, VTSMX price difference

Thank you very much to every one. Now I got it. If you've got it that's great. Let me now provide another explaination that hopefully won't confuse the issue. Share prices of mutual funds and ETFs are somewhat arbitrary. When a fund is established a beginning share value or NAV is set to some numbe...
by CABob
Tue Jul 15, 2014 10:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: VTI, VTSAX, VTSMX price difference
Replies: 27
Views: 1935

Re: Inherited a promissory note--what to do?

I have no expertise or knowledge in the subject, but, since you indicate that the debtor is elderly you might consider waiting until he passes then submitting a claim against the estate. +1 If the estate is not insolvent, you will have to be paid before the heirs get anything. But you would most li...
by CABob
Tue Jul 15, 2014 4:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inherited a promissory note--what to do?
Replies: 22
Views: 2410

Re: Inherited a promissory note--what to do?

I have no expertise or knowledge in the subject, but, since you indicate that the debtor is elderly you might consider waiting until he passes then submitting a claim against the estate.
by CABob
Tue Jul 15, 2014 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inherited a promissory note--what to do?
Replies: 22
Views: 2410

Re: Estate planning book?

Consider Beyond the Grave by Condon and Condon.
http://www.amazon.com/Beyond-Grave-revi ... +the+grave
by CABob
Tue Jul 15, 2014 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estate planning book?
Replies: 12
Views: 1242

Re: Boglehead Rules Of Thumb To Investing?

I can't help but add:
Question any rule of thumb.
Not that I don't agree with many or most of the items suggested, but, I think they all need to be analyzed and evaluated in light of ones personal situation.
by CABob
Sat Jul 12, 2014 2:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Boglehead Rules Of Thumb To Investing?
Replies: 23
Views: 3085

Re: Family cabin planning

The one thing my hubby will absolutely not do is give away his interest, unfortunately. His feelings might change on it over time but it is so sentimental to him that he is not willing to give it up just yet. With this in mind I think my suggestion is to do nothing. At this point the "problem&...
by CABob
Fri Jul 11, 2014 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family cabin [Estate] planning
Replies: 25
Views: 1954

Re: What ONE investing book or article for skeptical sibling

You might try Arithmetic of Active Management which is a very short paper that is a basis for the Boglehead approach. Unfortunately, I'm not sure it really would be convincing for someone coming from were his mindset is currently. What is really needed is something that addresses illiquid assets and...
by CABob
Fri Jul 11, 2014 4:25 pm
 
Forum: Investing - Theory, News & General
Topic: What ONE investing book or article for skeptical sibling?
Replies: 30
Views: 2847

Re: How many veteran investor have LARGE MAJORITY in three-f

theree fund? no way. One fund in retirement accounts - target retirement or life strategy. So so so much easier and prevents tinkering. Slight increase in expense ratio that is immaterial to me compared to convenience. IMHO a far better option for lots of people in a tax deferred acct. Just curious...
by CABob
Tue Jul 08, 2014 11:26 pm
 
Forum: Investing - Theory, News & General
Topic: How many veteran investor have LARGE MAJORITY in three-fund?
Replies: 56
Views: 3787

Re: Barbecue Set [Cooking tools]

I have a couple of pieces from Pampered Chef that I think are good quality. I like the spatula and also have some tongs that don't get used very often. My absolute favorite, however, is a combination hook/spatula that I got a the county fair or some show a number of years ago. I really like the hook...
by CABob
Tue Jul 08, 2014 9:13 pm
 
Forum: Personal Consumer Issues
Topic: Barbecue Set [Cooking tools]
Replies: 12
Views: 1109

Re: Do you deviate from the owner's manual?

I use 87 octane which I believe is the manufacturer's recommendation. Oil on the other hand is not so straight forward. One of my vehicles has a dashboard readout that indicated the usefull life remaining on the oil and I generally have it changed when it gets to 10-15% remaining. I don't know how t...
by CABob
Tue Jul 08, 2014 7:00 pm
 
Forum: Personal Consumer Issues
Topic: Do you deviate from the owner's manual?
Replies: 35
Views: 3136

Re: How many veteran investor have LARGE MAJORITY in three-f

I have more than three funds, but, the reason is to provide a tilt to the portfolio. For example, I have small cap value, REIT, GNMA, and inflation protected bond fund. On the other hand I am giving strong consideration to converting to a 3-fund or perhaps even a 1-fund for simplicity for myself and...
by CABob
Tue Jul 08, 2014 6:46 pm
 
Forum: Investing - Theory, News & General
Topic: How many veteran investor have LARGE MAJORITY in three-fund?
Replies: 56
Views: 3787

Re: stocks about to plunge

One of my favorite lines is, "He has called 10 of the last 5 market downturns."
by CABob
Tue Jul 08, 2014 12:05 pm
 
Forum: Investing - Theory, News & General
Topic: stocks about to plunge
Replies: 39
Views: 7657

Re: ETF Dividends - DRIP or use for rebalancing?

taxable: rebalance tax sheltered: dividend re-investment Things to consider in making decision: 1. TLH 2. Rebalancing 3. Effort 4. Commissions. If you need to sell an ETF and buy another for rebalancing you will be subject to two commissions. If these ETFs are commission free then "as you were...
by CABob
Tue Jul 08, 2014 11:46 am
 
Forum: Investing - Help with Personal Investments
Topic: ETF Dividends - DRIP or use for rebalancing?
Replies: 8
Views: 437

Re: Retiring without any Direction

I know I probably focused too much on the recent conversation with mom. The real point here is that it got me thinking about how I'll need to find good ways to fill my time once we do retire. My wife's parents have a good model...spend the winter months in the Florida doing all kinds of stuff, a mi...
by CABob
Mon Jul 07, 2014 1:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retiring without any Direction
Replies: 26
Views: 2045

Re: Retiring without any Direction

Are you sure they are bored? Perhaps they are very happy without planned and time consuming activities. It does seem as if your mother and father are not on exactly the same page when it comes to "what shall we do today." And I can't help but wonder if what you perceive as your mother comm...
by CABob
Mon Jul 07, 2014 11:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Retiring without any Direction
Replies: 26
Views: 2045

Re: Luggage recommendation

(As an aside, those polycarb suitcases - of just about any brand - FEEL flimsy, although apparently they aren't...??) I was hoping that someone would have picked up on this and made a comment. I also have felt that these luggage items feel and look flimsy and would crack very easily, but they seem ...
by CABob
Mon Jul 07, 2014 11:42 am
 
Forum: Personal Consumer Issues
Topic: Luggage recommendation
Replies: 34
Views: 2125

Re: Valuing a personal residence for net worth purposes

Unless you are planning to sell in the near future why does it make much difference? Or at least why do you want to be precise? If desired, I guess I would get some comparable sales in the neighborhood and perhaps apply a small negative factor. Couldn't you say something similar about the value of ...
by CABob
Sat Jul 05, 2014 1:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Valuing a personal residence for net worth purposes
Replies: 73
Views: 3751

Re: Valuing a personal residence for net worth purposes

Unless you are planning to sell in the near future why does it make much difference? Or at least why do you want to be precise? If desired, I guess I would get some comparable sales in the neighborhood and perhaps apply a small negative factor.
by CABob
Sat Jul 05, 2014 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Valuing a personal residence for net worth purposes
Replies: 73
Views: 3751

Re: Continue subscribing to local newspaper?

Yes, I have a subscription to the local newspaper seven days a week. Also a weekend subscription to the Los Angeles Times. Reading a paper along with morning coffee is just too strong a habit to break and I can't get used to getting regular news via the internet.
by CABob
Thu Jul 03, 2014 11:57 pm
 
Forum: Personal Consumer Issues
Topic: Continue subscribing to local newspaper?
Replies: 86
Views: 6110

Re: Does my house count as my "real estate" for diversificat

I don't count my primary house in my net worth calculations. I use it to live and don't consider it an investment. I also don't count my wife's jeweleries or my cars in my net worth calculation. They all have value though. I would include equity in primary home in net worth calculations, but, not a...
by CABob
Wed Jul 02, 2014 11:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does my house count as my "real estate" for diversification?
Replies: 15
Views: 990

Re: If you wouldn't buy (stocks), then you must sell

There's a rule that you shouldn't hold more than what you would buy right now if you weren't already in. Would you be comfortable jumping into your present allocation tomorrow with a lump sum? Generally I agree when it comes to asset allocation. In my mind however there are some other issues. For e...
by CABob
Wed Jul 02, 2014 11:25 pm
 
Forum: Investing - Theory, News & General
Topic: If you wouldn't buy (stocks), then you must sell
Replies: 32
Views: 3004

Re: [Poll] Which do you include in Asset Allocation?

Cash - Yes for savings accounts, MM funds, etc., but, no for checking accounts use to pay regular expenses.
Real estate - No for the house I live in. I might include any income property if I had any.
by CABob
Wed Jul 02, 2014 10:58 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] Which do you include in Asset Allocation?
Replies: 41
Views: 2630

Re: Couch Potato Index ETF portfolio ideas

Have you looked at the wiki section on lazy portfolios at http://www.bogleheads.org/wiki/Lazy_portfolios
That section talks mostly about funds rather than ETFs but it might give you a start.
by CABob
Wed Jul 02, 2014 12:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Couch Potato Index ETF portfolio ideas
Replies: 4
Views: 363

Re: Move Morgan Stanley IRA to Vanguard?

Since I suggested you cash out your investments at MS and abyan suggested you transfer in-kind to Vanguard and sell after they are in the VG account I thought I would jump back in with some clarification. It probably depends on what investments are currently in the MS account and what type of accoun...
by CABob
Tue Jul 01, 2014 12:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Move Morgan Stanley IRA to Vanguard?
Replies: 8
Views: 671

Re: Move Morgan Stanley IRA to Vanguard?

Welcome to the forum, grannylily. First of all some clarification of terms is in order. An IRA is a type of account and can be held at a number of financial institutions and can contain a number of different types of investments. An index fund as well as other types of mutual funds can be held withi...
by CABob
Mon Jun 30, 2014 10:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Move Morgan Stanley IRA to Vanguard?
Replies: 8
Views: 671

Re: Driveway crack question

How about just getting the crack filled? That would be considerably cheaper than your other options listed. If I understood the OP, one side of the crack is higher than the other side so a simple patch would not work. Questions: 1. How wide is the crack? 2. How much of a vertical difference between...
by CABob
Sun Jun 29, 2014 11:50 am
 
Forum: Personal Consumer Issues
Topic: Driveway crack question
Replies: 13
Views: 1153

Re: Who do you talk with about your financial goals?

I also wonder how many advisers advise with the ultimate goal to enable the client to DIY, i.e., to teach him to fish. Somewhere between very few and none. :twisted: It might happen by "accident" but that would very seldom be the intent of the advisor. And this is not a condemnation of th...
by CABob
Sun Jun 29, 2014 11:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Who do you talk with about your financial goals?
Replies: 158
Views: 9059

Re: Who do you talk with about your financial goals?

Basically no one other than spouse. I have probably shared more detail with folks on this forum than anyone else.
by CABob
Sat Jun 28, 2014 10:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who do you talk with about your financial goals?
Replies: 158
Views: 9059

Re: How much to retire

It has never made sense to me to use a percentage of pre-retirement income. There are just too many sources of error using that metric. I think it better to try to figure out what your expenses will be. There are also many sources of error using this metric especially if you are a long way from reti...
by CABob
Sat Jun 28, 2014 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much to retire
Replies: 21
Views: 2919

Re: Retired Bogleheads want to relocate to California

The crazy thing is Huntington is one of the cheaper beach cities out here...

Yes, but, you can be in Huntington Beach and still be 3-4 miles from the beach and like other areas get away from the beach and the price goes down.
by CABob
Fri Jun 27, 2014 10:19 pm
 
Forum: Personal Consumer Issues
Topic: Retired Bogleheads want to relocate to California
Replies: 109
Views: 6816

Re: Found an old deposit receipt for my late wife . . .

So it would be Massachusetts (our address) and not California (where the credit union is based)?

Yes it would be filed in the state with the last known address for you. But the search is easy and you could do both states as well as some others.
by CABob
Tue Jun 24, 2014 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Found an old deposit receipt for my late wife . . .
Replies: 27
Views: 3812

Re: Found an old deposit receipt for my late wife . . .

+1 for checking with an unclaimed property search. Perhaps here.
by CABob
Mon Jun 23, 2014 11:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Found an old deposit receipt for my late wife . . .
Replies: 27
Views: 3812

Re: Retired Bogleheads want to relocate to California

For me, a better choice would be Oxnard or Ventura, beach towns with mainly agricultural bases. Both are close to PCH and a splendid drive down the coast through Malibu to Santa Monica. The only big city along the coast on your way to Huntington Beach is Long Beach, and it's not that big. I don't m...
by CABob
Mon Jun 23, 2014 5:47 pm
 
Forum: Personal Consumer Issues
Topic: Retired Bogleheads want to relocate to California
Replies: 109
Views: 6816

Re: Parking money for 2014 taxes

sscritic wrote:Or do all four:

1/4 into your portfolio, 1/4 in a 9 month CD, 1/4 into Vanguard Short-term corporate bond index fund (although I use VG ST IG fund, no index), and 1/4 to the IRS. :)

And ignore the principle of simplicity? :twisted:
by CABob
Mon Jun 23, 2014 12:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Parking money for 2014 taxes
Replies: 14
Views: 882

Re: [Poll] If all active funds have ER= 0.05%, will you buy

I might select an active fund, but, would be very selective in what it was.
by CABob
Mon Jun 23, 2014 12:23 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] If all active funds have ER= 0.05%, will you buy any?
Replies: 55
Views: 2660

Re: Parking money for 2014 taxes

Only you can determine how a bond or bond funds fits in your risk-reward spectrum. Personally, I would probably put the money in a money market account at a bank or credit union since this is money I don't want to take a loss of principle. Send it to the IRS. It will earn nothing, but there will be ...
by CABob
Mon Jun 23, 2014 12:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Parking money for 2014 taxes
Replies: 14
Views: 882

Re: American Automobile Assn (AAA)

This link from the So Cal AAA site indicates that there is a $15 fee for an IDP.
by CABob
Sun Jun 22, 2014 2:58 pm
 
Forum: Personal Consumer Issues
Topic: American Automobile Assn (AAA)
Replies: 51
Views: 3395

Re: Retired Bogleheads want to relocate to California

I moved to California in the 60's and when I complained about cost of living (housing, taxes. etc.) I was told that it was just the price for living in paradise. To me it is somewhat less than paradise, but, still expensive. You can certainly find a house for less than a million, but, in the $250K a...
by CABob
Sun Jun 22, 2014 12:01 pm
 
Forum: Personal Consumer Issues
Topic: Retired Bogleheads want to relocate to California
Replies: 109
Views: 6816

Re: Any benefit of having both Traditional and Roth accounts

IMO it does make sense or at least there are good reasons for having both. At 26 it may be hard to realize that some day you will retire and be taking money out of this plan, but, it will happen. When it happens it is desireable to have both tax deferred and tax free as well as taxable accounts to t...
by CABob
Sat Jun 21, 2014 6:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any benefit of having both Traditional and Roth accounts?
Replies: 14
Views: 1755

Re: Credit report for kids?

For young children I would not expect them to have credit information on file. If there was a file ID theft should certainly be suspected. So I guess it wouldn't hurt to request a credit report ocassionally and if one was available examine it closely. As they get to their later teens and may be usin...
by CABob
Sat Jun 21, 2014 12:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit report for kids?
Replies: 5
Views: 464

Re: ETF Advice

I am not familiar with TDAmeritrade, so what kind of bonus do they pay on investing $500K? T D Ameritade is one of several discount brokers that would be appropriate for the portfolio you are interested in. Many of them (excluding the big name brokers) would be a lot cheaper than MS. But, for the p...
by CABob
Fri Jun 20, 2014 8:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: ETF Advice
Replies: 17
Views: 836
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