Search found 3461 matches

by CABob
Tue Jun 30, 2015 10:14 am
Forum: Personal Finance (Not Investing)
Topic: federal tax return rejected
Replies: 14
Views: 1748

Re: federal tax return rejected

abuss368 wrote:If you are a victim of identity theft, also consider going to http://www.annualfreecreditreport.com to order a credit report to check for accounts that may be in your name.

I believe that link should be https://www.annualcreditreport.com/index.action
by CABob
Mon Jun 29, 2015 1:44 pm
Forum: Investing - Theory, News & General
Topic: "Target Date Funds Are Riskier Than You Think"
Replies: 33
Views: 4567

Re: "Target Date Funds Are Riskier Than You Think"

Target date funds stay aggressive too long for my taste. What if you change to a nearer target date? Perhaps the target date means something different to different people. Is the target date: The date you start worrying whether you can retire? The date you retire? The date you expect to start withd...
by CABob
Sun Jun 28, 2015 6:46 pm
Forum: Personal Consumer Issues
Topic: MS money plus and Win 8.1
Replies: 8
Views: 628

Re: MS money plus and Win 8.1

Thanks all for your information and responses. I guess I need to stop procrastinating an download the program so I can properly get rid of (or repurpose) my Windows XP computer.
by CABob
Sun Jun 28, 2015 12:41 pm
Forum: Personal Consumer Issues
Topic: MS money plus and Win 8.1
Replies: 8
Views: 628

MS money plus and Win 8.1

I have been limping along using an old version of Microsoft Money on an equally old computer with Win XP. Finally I am looking into installing MS Money Plus Sunset on my Win 8.1 computer. In looking at the MS information it does not indicate that it is compatible with Win 8 or 8.1, only XP and Win 7...
by CABob
Sat Jun 27, 2015 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Risks of RMD Withdrawal From A Single Fund IRA
Replies: 39
Views: 2668

Re: Risks of RMD Withdrawal From A Single Fund IRA

There is another conversation going on that may talk about your concerns.
viewtopic.php?f=10&t=168503&newpost=2536713
by CABob
Sat Jun 27, 2015 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Risks of RMD Withdrawal From A Single Fund IRA
Replies: 39
Views: 2668

Re: Risks of RMD Withdrawal From A Single Fund IRA

I'm not sure I understand your concern, but furthermore I'm not convinced this is a real problem. In any case I don't think there much you can do about it as far as RMDs. You have a 12 month window of opportunity to take the RMD but that doesn't help much. You can take the RMD and then reinvest the ...
by CABob
Fri Jun 26, 2015 9:53 pm
Forum: Personal Consumer Issues
Topic: Smart phone data usage
Replies: 49
Views: 3609

Re: Smart phone data usage

Thanks for the input so far. I do have wifi at home so it sounds as though that will help keeping the phone data under control. I am retired so don’t have an employer to help or hinder in the process. I do not expect to stream music or video all that much except for the cute dogs and cats on utube. ...
by CABob
Fri Jun 26, 2015 7:34 pm
Forum: Personal Consumer Issues
Topic: Smart phone data usage
Replies: 49
Views: 3609

Smart phone data usage

I am one of those handful of folks still living in the dark ages with a flip phone on a very inexpensive Page Plus account. I am thinking about upgrading to a smart phone probably an Android but an iPhone is possible. I am wondering what size of a data plan I might need. I don't expect that I would ...
by CABob
Wed Jun 24, 2015 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: What credit should you get? (Ask me anything)
Replies: 48
Views: 5287

Re: What credit should you get? (Ask me anything)

So what is the deal with the Citi Double Cash card? Since presumably all card balances are eventually paid isn't this really a 2% cash back card? What is Citi getting out of doing it the way they do? Doe this mean the card holder would be getting 1% back on interest charges? I am mostly interested i...
by CABob
Sun Jun 21, 2015 9:17 pm
Forum: Investing - Theory, News & General
Topic: Retirees: Did you spend much time wringing your hands over Retirement Savings as Many on Forum Do Today?
Replies: 81
Views: 11388

Re: Retirees: Did you spend much time wringing your hands over Retirement Savings as Many on Forum Do Today?

I have never been able to understand the fact that Millions of people don't plan or save for retirement. Sure, some do, but many many don't. I simply don't get it. Perhaps you don't get it, but, I'm sure you have heard the excuses as to why they don't save: I just can't afford to save. I just can't...
by CABob
Thu Jun 18, 2015 6:51 pm
Forum: Investing - Theory, News & General
Topic: Retirees: Did you spend much time wringing your hands over Retirement Savings as Many on Forum Do Today?
Replies: 81
Views: 11388

Re: Retirees: Did you spend much time wringing your hands over Retirement Savings as Many on Forum Do Today?

so let me get this straight: the majority of you have hundreds or thousands of posts on a retirement forum, and yet you confess how self-assured you were at retirement time with regards to a withdrawal rate and whether or not you'd have enough for retirement. call me skeptical :P Well, the date und...
by CABob
Thu Jun 18, 2015 6:34 pm
Forum: Personal Consumer Issues
Topic: Password manager recommendations?
Replies: 86
Views: 8116

Re: Password manager recommendations?

Tico_75 wrote:Use a random word, like "Monkey4Bananas".

Might be a good idea, but, how do you remember what you said unless you use Monkey4Bananas for every question for every account that asks these questions?
by CABob
Thu Jun 18, 2015 2:57 pm
Forum: Investing - Theory, News & General
Topic: Retirees: Did you spend much time wringing your hands over Retirement Savings as Many on Forum Do Today?
Replies: 81
Views: 11388

Re: Retirees: Did you spend much time wringing your hands over Retirement Savings as Many on Forum Do Today?

No, I did not. I was never that good or interested in investing so I intended to procrastinate a lot. OTOH I've always been a pretty good saver. I joined my employers credit union shortly after being hired and always put something into it with every pay check. When employee stock savings plans came ...
by CABob
Wed Jun 17, 2015 10:13 am
Forum: Personal Consumer Issues
Topic: "Phantom" Tipping
Replies: 68
Views: 10670

Re: "Phantom" Tipping

Did they increase a tip? Or did they scratch out your zero tip (or line indicating zero) and change the total that you put below that before you signed your name? Or was there no receipt involved? This amounts to theft in my book and I would not go back to the restaurant. I suspect that a number of...
by CABob
Mon Jun 15, 2015 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: New ROTH IRA seeking investment advice.
Replies: 14
Views: 1431

Re: New ROTH IRA seeking investment advice.

Should I build up my account at fidelity to 2500 then transfer or go for a 1000 and get into the star fund at vanguard. Fidelity has the freedom target funds but expense ratios are lower with vanguard. I've called vanguard they said I need a min. of 1k to transfer and start with the star fund. I am...
by CABob
Mon Jun 15, 2015 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Selling a stock that has split
Replies: 8
Views: 756

Re: Selling a stock that has split

Do you know when the stock was originally purchased? By looking at historical prices that include adjusted prices you should be able to determine what your cost basis is. For example, from Yahoo Finance http://finance.yahoo.com/q/hp?s=AIG&a=08&b=7&c=2000&d=05&e=15&f=2015&...
by CABob
Mon Jun 15, 2015 2:47 pm
Forum: Personal Consumer Issues
Topic: How to securely dispose old computer?
Replies: 43
Views: 4018

Re: How to securely dispose old computer?

According to a column that appears in a local newspaper Killdisk or DP-Wiper.
http://www.vcstar.com/business/columnis ... y_59509986
by CABob
Mon Jun 15, 2015 12:20 pm
Forum: Personal Consumer Issues
Topic: Comfortable shoes for work
Replies: 43
Views: 3908

Re: Comfortable shoes for work

Consider Clarks and Hush Puppies. Perhaps SAS also although I do not have personal experience with them.
by CABob
Sun Jun 14, 2015 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: RMD & Retirement
Replies: 7
Views: 1334

Re: RMD & Retirement

This is a case where I am more inclined to believe my employer's 401k specialist over a tax preparer. I suspect that the latter perhaps did not realized it was a 401k plan rather that an IRA. It is possible that your employer may have its own policies in addition to IRS regulations. This is another ...
by CABob
Sat Jun 13, 2015 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Unwise to keep funds at one bank?
Replies: 32
Views: 3825

Re: Unwise to keep funds at one bank?

I would think that the simplicity of a single bank would be preferable. I have no concerns from a safety standpoint. Keep the FDIC insurance limits in mind, however.
by CABob
Fri Jun 12, 2015 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: What should my wife do if I die early? [was: Vanguard PAS as Plan B]
Replies: 18
Views: 2362

Re: What should my wife do if I die early? [was: Vanguard PAS as Plan B]

A lot is going to depend on the knowledge, experience, interest, and desire of the surviving spouse. Thinking of my own case I think that perhaps suggesting contacting the Vanguard advisor service might be too much at least initially. I think my instruction should be to transfer every thing to a tar...
by CABob
Fri Jun 12, 2015 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Is my tenant trying to scam their renter's insurance company? (Fire Damage)
Replies: 44
Views: 5006

Re: Is my tenant trying to scam their renter's insurance company? (Fire Damage)

If I were you, I would be 100% honest with the insurance company in answering their questions. As you portray the situation, it does sound like your renter is playing games and I would not want to get caught up in this. +1, but I don't think I would volunteer information or answer questions that ha...
by CABob
Tue Jun 09, 2015 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Why is the IRA contribution limit less than a 401k limit?
Replies: 14
Views: 1402

Re: Why is the IRA contribution limit less than a 401k limit?

And if I recall correctly, the IRA limit was $2000 *when first established.
You are asking for some logic behind legislative activities. Good luck.

*I just checked and it was $1500 in 1974.
by CABob
Mon Jun 08, 2015 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Are there any merchants that accept only Amex?
Replies: 25
Views: 2282

Re: Are there any merchants that accept only Amex?

There are a a lot of small business and restaurants in NYC that only accept AMEX or cash. Very odd I thought. But the only thing I can think of is maybe AMEX gives them a small business break if they only accept their card. Does anyone remember Diners Club and Carte Blanch cards? As I recall (I nev...
by CABob
Mon Jun 08, 2015 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: The final decision
Replies: 13
Views: 2285

Re: The final decision

Just a point of clarification - I don't not believe that Schwab Total Bond Market (SWLBX) is an index fund. Indeed, it is very difficult to tell, almost as if they want people to think of it as an index fund. I think you are correct, but, its ER is reasonable so I would not be concerned if that wer...
by CABob
Sun Jun 07, 2015 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: What Percent Of Your Annual Expenses Are Property Taxes?
Replies: 101
Views: 6096

Re: What Percent Of Your Annual Expenses Are Property Taxes?

Lazysundays wrote:120,000 per year on all expenses. Yes we are lucky in income and in deep with SL debt and daycare currently. Anyway $8500/120,000 =0.07%

Isn't that 7%?
by CABob
Sat Jun 06, 2015 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: Swapping Funds in an IRA account
Replies: 4
Views: 321

Re: Swapping Funds in an IRA account

There should not be any problems doing what you want to do. Log on to your account and look at the fund you want to exchange and you should find a link that says "exchange". This will allow you to exchange that fund for another fund you select. Three minutes and you are all done. If you ha...
by CABob
Sat Jun 06, 2015 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance record keeping
Replies: 8
Views: 712

Re: Health insurance record keeping

Is the combination of your insurance supposed to pay 100%? Sometimes, but, not necessarily. There are some not covered items and some deductibles involved. I have been playing around with a spreadsheet that lists each visit and the provider's name, followed by columns that list the original charge,...
by CABob
Sat Jun 06, 2015 1:31 pm
Forum: Personal Consumer Issues
Topic: small church printer ideas
Replies: 10
Views: 948

Re: small church printer ideas

I would think that for 300/week you could buy a printer for less cost than the lease. Are the bulletins printed two sides? Are they multi page? These are items that bring the printer cost up a bit. You might also look in to having an outside printer do the job, but there might be a scheduling proble...
by CABob
Sat Jun 06, 2015 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance record keeping
Replies: 8
Views: 712

Health insurance record keeping

I would like to ask if anyone has an efficient way to keep track of Medicare, insurance, and personal payments for health care? My primary insurance is Medicare and I have supplemental insurance through a private carrier. From 2 to 6 weeks after a provider visit I will receive notice from Medicare a...
by CABob
Sat Jun 06, 2015 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Lifestrategy Expense Ratio
Replies: 6
Views: 833

Re: Lifestrategy Expense Ratio

It is inclusive as answered previously, but, a more correct answer is that it is a prorated ER of the funds contained. The LS fund does not add an additional ER on top.
by CABob
Sat Jun 06, 2015 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Damaged currency
Replies: 7
Views: 914

Re: Damaged currency

I was surprised as well. I have various accounts at all three banks I asked to exchange the bills. I'm going to try a few more branches and ask to speak with a manager. Sigh... Why not just DEPOSIT that currency into one of those accounts? And then visit an ATM as needed to get fresh $10s and $20s?...
by CABob
Fri Jun 05, 2015 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: Damaged currency
Replies: 7
Views: 914

Re: Damaged currency

I think you should try a few more banks with perhaps a phone call in advance. I'm somewhat surprised that you found three that would not redeem them. Maybe you should talk to someone higher up in the bank.
by CABob
Thu Jun 04, 2015 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: When do I switch funds?
Replies: 8
Views: 1086

Re: When do I switch funds?

The Target funds are great ones to own. Assuming that this is a tax advantaged account I don't think I would switch it to the Life Strategy fund unless you have some specific concern or situation that is not obvious. WRT switching to individual index funds rather than the TR fund I assume that this ...
by CABob
Wed Jun 03, 2015 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Prime Money Market
Replies: 12
Views: 1997

Re: Vanguard Prime Money Market

A 100% increase in yield???? Why hasn't this been bigger news.
:moneybag
by CABob
Mon Jun 01, 2015 3:18 pm
Forum: Personal Consumer Issues
Topic: Dining Table Protective Pads
Replies: 2
Views: 359

Re: Dining Table Protective Pads

Not necessarily a recommendation since I don't have anything to compare it with, but, we have had a pad made by Guardian which we have had for about 7 years and are very satisfied. Ours is a straight rectangle shape so we were able to have made just by specifying a length and width but they have ins...
by CABob
Mon Jun 01, 2015 11:34 am
Forum: Investing - Theory, News & General
Topic: What day do Automatic Investments post at Vanguard?
Replies: 14
Views: 1287

Re: What day do Automatic Investments post at Vanguard?

If your day falls on a Saturday/Sunday, the transaction triggers on Friday. Wouldn't this depend on the policy of the institution that the money is coming from rather than Vanguard? If I have set up an investment from my bank account to Vanguard on the 15th and if the 15th is a Saturday my bank's p...
by CABob
Sun May 31, 2015 8:12 pm
Forum: Personal Consumer Issues
Topic: good vacuum cleaner for up to $200?
Replies: 26
Views: 2174

Re: good vacuum cleaner for up to $200?

We recently bought a Shark Professional Rotator and are very happy with it. It is not particularly light but is quite maneuverable due to its design. It is picking up a lot of pet hair that our prior Hoover Wind Tunnel was not getting. If you shop around you might get it for less than $200. Check QV...
by CABob
Tue May 26, 2015 11:32 pm
Forum: Personal Consumer Issues
Topic: Best way to re-key locks on new house?
Replies: 36
Views: 3322

Re: Best way to re-key locks on new house?

Will look into the drill attachment for the deadbolt installation. This is the kind of tool you are looking for. Be sure that the hole saw is long enough to go completely through the door. Edit: Thanks to the posts below for correcting my above incorrect statement. The fixture in the linked kit to ...
by CABob
Tue May 26, 2015 11:22 am
Forum: Personal Consumer Issues
Topic: Best way to re-key locks on new house?
Replies: 36
Views: 3322

Re: Best way to re-key locks on new house?

I suggest you buy Kwikset Smart key locks AND install them yourself. I own rental properties and I am slowly moving to all these smart locks. That way, when tenants leave, I can re-key them myself. http://www.kwikset.com/smartsecurity/re-key-technology.aspx Truly....it only takes about 15 minutes t...
by CABob
Mon May 25, 2015 11:22 am
Forum: Personal Finance (Not Investing)
Topic: When is it safe to share financial details with gf, future wife
Replies: 53
Views: 5219

Re: When is it safe to share financial details with gf, future wife

randomguy wrote:
rakaye47 wrote:after you sign prenup :shock:

Legally I think you need to do it before you sign the prenup or you run the risk of the prenup being invalidated :)
What is your basis for this statement? I'm not suggesting that you are wrong, but, had never heard it before.
by CABob
Sun May 24, 2015 9:44 pm
Forum: Investing - Theory, News & General
Topic: Mt Hood: 5% chance of eruption in next 30 years.
Replies: 12
Views: 2101

Re: Mt Hood: 5% chance of eruption in next 30 years.

What is the price difference between a home on the slope of Mt Hood and a similar home in another safer location? If the safer home cost $1MM and the one at Mt Hood cost $100K then I might be willing to take a chance. For very similar cost I would probably not. It's very similar to the decisions of ...
by CABob
Fri May 22, 2015 10:03 am
Forum: Investing - Theory, News & General
Topic: What if the US stock market was only 25% of the world by market cap?
Replies: 37
Views: 2720

Re: What if the US stock market was only 25% of the world by market cap?

I wonder how J Bogle would answer this question, since in the past he has indicated that international stocks may or may not be advantageous to the investor.
by CABob
Thu May 21, 2015 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Does this inflation Calculator Make Sense ???
Replies: 12
Views: 1371

Re: Does this inflation Calculator Make Sense ???

This calculator is similar to yours except one can put the month for start and stop in the tool. Using it I can get a March 2015 value of $99.07 to $100.94 for $100 entered in 2014 depending upon the start month.
by CABob
Thu May 21, 2015 2:59 pm
Forum: Investing - Theory, News & General
Topic: Multiple Account Management
Replies: 30
Views: 1205

Re: Multiple Accout Management

I have many more accounts and while it would certainly be easier to re-balance if they held identical portfolios, ... Perhaps but not necessarily. If you have identical holdings in all accounts if you need to rebalance you will need to adjust all accounts. If you are a bit more selective as to what...
by CABob
Thu May 21, 2015 2:38 pm
Forum: Investing - Theory, News & General
Topic: Teaching 8 year old about stock market...
Replies: 22
Views: 1563

Re: Teaching 8 year old about stock market...

I was just reminded about this from another conversation which might be suitable for a youngster or someone trying to teach a youngster.
by CABob
Thu May 21, 2015 1:37 pm
Forum: Investing - Theory, News & General
Topic: What if the US stock market was only 25% of the world by market cap?
Replies: 37
Views: 2720

Re: What if the US stock market was only 25% of the world by market cap?

I would most likely raise my international investments, but, would be nowhere near 75%. Since I earned my money in the US and will be spending my money in the US the US economy affects me the most for better or worse.
by CABob
Thu May 21, 2015 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Friends/Family that don't invest!
Replies: 94
Views: 11152

Re: Friends/Family that don't invest!

Have you encountered friends/family that don't invest ... Do you mean don't invest or don't save? I consider this as two different situations even though savings might be considered invested in a bank savings account or buried in the back yard. In any case I am not inclined to offer comment or advi...

Go to advanced search