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by CABob
Tue May 26, 2015 11:32 pm
Forum: Personal Consumer Issues
Topic: Best way to re-key locks on new house?
Replies: 31
Views: 2189

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: 31
Views: 2189

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: 4608

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: 1965

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: 2319

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: 1129

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: 1080

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: 1387

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: 2319

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: 87
Views: 8523

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...
by CABob
Tue May 19, 2015 6:10 pm
Forum: Personal Consumer Issues
Topic: South Bend to Chicago to Milwaukee
Replies: 18
Views: 1168

Re: South Bend to Chicago to Milwaukee

This is what you have to see between South Bend and Chicago. Most people avoid even getting off the freeway I have this childhood memory of driving from Southwest Michigan to Chicago. I also have a childhood memory of this drive. It was following a bad fire at one of the Gary refineries. I recall s...
by CABob
Tue May 19, 2015 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Question with 401(k) statement
Replies: 7
Views: 441

Re: Question with 401(k) statement

Do you know if the employer includes contributions to the plan? I think your first step should be with the HR department or with the plan administrator who should have provided information when your husband became employed with them or when he signed up with the plan. There are several possibilities...
by CABob
Tue May 19, 2015 10:28 am
Forum: Personal Consumer Issues
Topic: Las Vegas visit ( first time)
Replies: 28
Views: 1886

Re: Las Vegas visit ( first time)

Perhaps the Mob Museum.
Many of the newer hotels are interesting even without the casinos. In one place you can visit New York, Paris, Venice, Rome, etc.
The Fremont Street experience downtown at night is interesting. http://vegasexperience.com/viva-vision-light-show/
by CABob
Mon May 18, 2015 6:02 pm
Forum: Investing - Theory, News & General
Topic: The Benefits of Active Management for Investors
Replies: 17
Views: 1509

Re: The Benefits of Active Management for Investors

I didn't read the entire paper, but, I didn't see the primary reason to use active management is to help the bottom line for Oppenheimer. :twisted:
by CABob
Mon May 18, 2015 2:59 pm
Forum: Personal Consumer Issues
Topic: Calling card
Replies: 9
Views: 615

Re: Calling card

It sound to me that a business card will do the job at a reasonable cost and is perhaps more versatile that some of the other things suggested although I admit that I don't know the book business. I add another vote for VistaPrint.
by CABob
Mon May 18, 2015 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: What's my best plan for my assets if I am disabled?
Replies: 10
Views: 592

Re: What's my best plan for my assets if I am disabled?

I don't believe a revocable trust is called for. A will, and the use of beneficiaries, POD, and perhaps some joint account holders should take care of most things that might happen. A power of attorney might be useful for both legal affairs and health issues.
by CABob
Mon May 18, 2015 12:40 pm
Forum: Investing - Theory, News & General
Topic: Teaching 8 year old about stock market...
Replies: 22
Views: 1387

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

The book How a Second Grader Beats Wall Street may be of interest. I have not read the book myself, but, have heard good reports about this book by Allan Roth, a frequent poster to this forum.
by CABob
Sun May 17, 2015 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: safe deposit box key
Replies: 8
Views: 832

Re: safe deposit box key

What is the likelihood that both of the other trustees would be unavailable at a time when you would need access to the box? Are all of the trustees located in the same general geographical area? What is in the box? Will? Trust? Gold?
by CABob
Sun May 17, 2015 2:19 pm
Forum: Investing - Theory, News & General
Topic: Paying zero fees on a hand picked stock portfolio
Replies: 66
Views: 4082

Re: Paying zero fees on a hand picked stock portfolio

Since you are picking stocks from the dividend aristocrats list, have you considered just investing in one of the funds or ETFs that use that list as a basis? Or have a parallel investment of this nature to compare with your individual stock portfolio.
by CABob
Sat May 16, 2015 9:54 pm
Forum: Personal Consumer Issues
Topic: Paying or Not Paying Extra for Amazon Delivery
Replies: 19
Views: 2007

Re: Paying or Not Paying Extra for Amazon Delivery

I am not willing to pay for Prime, but, if I did a bit more business with them I would probably consider it worthwhile. I don't usually pay for expedited shipping but have found that standard shipping is often satisfactory and is frequently on the near end of the range predicted. The free delivery o...
by CABob
Sat May 16, 2015 11:19 am
Forum: Personal Consumer Issues
Topic: South Bend to Chicago to Milwaukee
Replies: 18
Views: 1168

Re: South Bend to Chicago to Milwaukee

Not sure what your whole trip entails and what the return leg looks like, but a nice way to get back would be to take the car ferry (the Lake Express) from Milwaukee across Lake Michigan to Muskegon. Then you could drive down the coast to south bend - plenty of great stops with great shops, restaur...
by CABob
Sat May 16, 2015 10:23 am
Forum: Personal Consumer Issues
Topic: South Bend to Chicago to Milwaukee
Replies: 18
Views: 1168

Re: South Bend to Chicago to Milwaukee

Both of these legs are not too long (couple hours each?). I suggest you enjoy Chicago and Milwaukee and try to get through the connections as quick as you can, especially the SB to Chi leg.
by CABob
Wed May 13, 2015 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: Establishing a Three Fund Portfolio
Replies: 3
Views: 414

Re: Establishing a Three Fund Portfolio

I see that you have two of Vanguard's Life Strategy funds, VASIX and VASGX. Potentially you could get a three (actually four) fund portfolio using just one Life Strategy fund. Unfortunately one of the choices seem too heavily allocated to equity and the other too heavily allocated to fixed income. A...
by CABob
Wed May 13, 2015 3:25 pm
Forum: Personal Consumer Issues
Topic: Driving from Detroit to South Bend
Replies: 19
Views: 1366

Re: Driving from Detroit to South Bend

hoops777 wrote:Thanks for the responses.

So let us know after the trip where you went and what you saw. Some of us who are familiar with the area may find it interesting.
:D
by CABob
Wed May 13, 2015 10:48 am
Forum: Investing - Theory, News & General
Topic: Interactive Brokers (Best Kept Secret)
Replies: 58
Views: 4730

Re: Interactive Brokers (Best Kept Secret)

Is there a conspiracy against this company or do they just get outspent on advertising from the big brokerages like Scottrade etc? CABob gave a good first reply: I don't suspect a conspiracy or anything of that nature. It is not mentioned here often probably because those that post here are not int...
by CABob
Tue May 12, 2015 8:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Advisor Service and 12b-1 fees
Replies: 19
Views: 1422

Re: Vanguard Personal Advisor Service and 12b-1 fees

Those 12b-1 fees are charged by, and collected by American. Vanguard has no say in doing anything with them. You get no benefit from American for the 12b-1 fee either. I think you misunderstood my meaning. What I mean is as long as I'm holding onto the stock anyway, I might as well hold the stock a...
by CABob
Tue May 12, 2015 6:51 pm
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 9187

Re: I Hate Vacations

I have been on permanent vacation for a dozen years or so and really enjoy it. But, prior to retirement I think I was in the same place as you regarding thoughts about vacations. I typically took vacations a few days at a time, usually a maximum of a week. I would spend considerable time prior to va...
by CABob
Tue May 12, 2015 6:28 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Advisor Service and 12b-1 fees
Replies: 19
Views: 1422

Re: Vanguard Personal Advisor Service and 12b-1 fees

The 12b-1 fee is collected by the mutual fund family in this case American Funds. It is "intended" that the fees go toward marketing and sales of the fund. Are the Vanguard advisors going to do any selling or marketing of the funds? I suspect that the fees will stay with American and will ...
by CABob
Tue May 12, 2015 4:00 pm
Forum: Personal Consumer Issues
Topic: best alternate phone?
Replies: 15
Views: 1328

Re: best alternate phone?

spectec wrote: It is possible to "call forward" the old number to the new one during the interim. Changeover takes about a minute if you have all the info available.

Can you do a call forward if you do not physically have the phone from which the calls are to be forwarded?
by CABob
Tue May 12, 2015 9:12 am
Forum: Investing - Theory, News & General
Topic: Vanguard Advisor Services vs Balanced Funds
Replies: 8
Views: 1043

Re: Vanguard Advisor Services vs Balanced Funds

Hi Bob, what are all the services provided by the Advisor Services which are not included in the balanced funds? I thought it provides AA and rebalance only. Whether the rebalance by the Service is too costly, it really is to whom you are talking to. I have a friend she is absolutely no interest do...
by CABob
Mon May 11, 2015 10:15 pm
Forum: Personal Consumer Issues
Topic: best alternate phone?
Replies: 15
Views: 1328

Re: best alternate phone?

How about Page Plus Cellular with a $10 for 4 months plan? No you can't have two phones with the same number.
by CABob
Mon May 11, 2015 10:08 pm
Forum: Investing - Theory, News & General
Topic: "Why Investors Should Stop Trying to Beat The Market"
Replies: 16
Views: 1924

Re: "Why Investors Should Stop Trying to Beat The Market"

baw703916 wrote:How can all the children be below average?

The children are average before expenses.
:P
by CABob
Mon May 11, 2015 9:59 pm
Forum: Investing - Theory, News & General
Topic: Interactive Brokers (Best Kept Secret)
Replies: 58
Views: 4730

Re: Interactive Brokers (Best Kept Secret)

Interactive Brokers offers all the Vanguard mutual funds and etf's you need too. What is the transaction fee for buying Vanguard funds? I don't suspect a conspiracy or anything of that nature. It is not mentioned here often probably because those that post here are not interested in this type of br...
by CABob
Mon May 11, 2015 8:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Advisor Services vs Balanced Funds
Replies: 8
Views: 1043

Re: Vanguard Advisor Services vs Balanced Funds

Does Vanguard Advisor Service rebalance for you? It is more expensive than all the balanced funds, why not just move your holdings to balanced funds instead of using the Vanguard Advisor Services? What are the pros and cons between the two? I don't consider that this is a valid comparison. If all y...
by CABob
Mon May 11, 2015 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: When does Vanguard take their cut?
Replies: 7
Views: 1303

Re: When does Vanguard take their cut?

I vaguely remember there being a yearly 10 dollar account fee for funds years ago. Perhaps that was T.Rowe Price, Janus, or Dodge and Cox??? I could be wrong, but, this sounds more like an account maintenance fee rather than a mutual fund fee. I guess if you have a single fund in an account it woul...
by CABob
Mon May 11, 2015 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor: buy a nicer home pre-retirement
Replies: 31
Views: 2987

Re: Advisor: buy a nicer home pre-retirement

Without knowing the exact nature of the conversation with the advisor, does anyone besides me think it is a bit unusual for a financial advisor to make such a recommendation? Granted there are some very relevant financial aspects to a home there are perhaps more non financial things to consider.
by CABob
Mon May 11, 2015 12:21 pm
Forum: Personal Consumer Issues
Topic: Boglehead Dryer - for likely non-permanent residence
Replies: 8
Views: 618

Re: Boglehead Dryer - for likely non-permanent residence

Check Craigslist or similar for used dryers. I just took a quick look at my local Craigslist and found a fair number in the range of $50 to $300.
by CABob
Mon May 11, 2015 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Admiral funds in a BoA/ML IRA?
Replies: 12
Views: 624

Re: Admiral funds in a BoA/ML IRA?

I assume that the BoA website has a list of funds that you can buy in your IRA. Is there any Admiral share funds in the list and specifically are the ones you would like in the list? If they are not in the list then you cannot buy them through that account. It is not likely that your will find a spe...
by CABob
Mon May 11, 2015 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Help With A Co-Worker's Capital Gains Dilemma
Replies: 7
Views: 609

Re: Help With A Co-Worker's Capital Gains Dilemma

Perhaps I don't understand but how does this benefit the heirs? Suppose, they sell immediately after being gifted the shares, their profit is 0 right (since sale price is the same as the cost basis for them)? How do they get the cash benefit from the capital gain of the stock? Only the original buy...
by CABob
Sun May 10, 2015 1:56 pm
Forum: Personal Consumer Issues
Topic: Driving from Detroit to South Bend
Replies: 19
Views: 1366

Re: Driving from Detroit to South Bend

You might consider Holland, Michigan. It is an interesting town and certainly different that most of the SF area. You have just missed their Tulip Time Festival.
by CABob
Sat May 09, 2015 11:02 pm
Forum: Personal Consumer Issues
Topic: Do banks take loose coinage?
Replies: 55
Views: 3490

Re: Do banks take loose coinage?

I haven't done it for many years, but, from what I've been told recently it depends on the bank. And the policy may differ as far as clients only, do it yourself, etc. I suggest you as at your bank and other is your area.
by CABob
Fri May 08, 2015 11:22 pm
Forum: Personal Consumer Issues
Topic: What to use to clean car
Replies: 45
Views: 3461

Re: What to use to clean car

Raymond wrote:Optimum (NR2010Q) No Rinse Wash & Shine - 32 oz. = $17.51
(one fluid ounce in two gallons of water, enough for one car, with no rinsing needed - saves water, wash inside your garage if you want to.)


This sounds like an interesting product. Does it really work as advertised?
by CABob
Fri May 08, 2015 11:03 pm
Forum: Investing - Theory, News & General
Topic: Round Numbers in Portfolio Allocations
Replies: 49
Views: 2901

Re: Round Numbers in Portfolio Allocations

I suppose I should not interject my running joke that asset allocations should actually be prime numbers, 47/53 for example, or 17/83. The whole concept is a slap at the idea that asset allocations involve some arcane but precise mathematical alchemy. In this case the humor, if it is, would probabl...
by CABob
Fri May 08, 2015 3:06 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Advisor Services now live
Replies: 38
Views: 5373

Re: Vanguard Personal Advisor Services now live

Does anyone know when and how often the fee would be collected?
Will there be a minimum amount of time before one could cancel the service?
The reports that would be developed seem about what is currently available through Portfolio Watch.
by CABob
Thu May 07, 2015 11:56 am
Forum: Personal Consumer Issues
Topic: What to do with 1940's refrigerator that still works?
Replies: 36
Views: 2717

Re: What to do with 1940's refrigerator that still works?

I just read another conversation about disposing of a vintage mink coat. There were a couple of suggestions there that might apply:
1. Give it a descent burial.
2. Donate it to a local theater group that might have a use for it as a costume or stage prop in this case.
by CABob
Wed May 06, 2015 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Keep taxable for TLH? [Tax Loss Harvesting]
Replies: 7
Views: 779

Re: Keep taxable for TLH?

It seems to me that one should TLH when the opportunity occurs, but shouldn't tailor one's portfolio to try to force the opportunity. TLH is turning a bad thing (capital loss) into a good thing (tax credit). That doesn't mean I should actively look for bad things to happen.
by CABob
Wed May 06, 2015 11:02 am
Forum: Investing - Theory, News & General
Topic: Washington Post on TR funds
Replies: 2
Views: 512

Washington Post on TR funds

An interesting article about target date funds from the Washington Post Those of us familiar with and using Vanguard may forget what a good deal we have and perhaps the author needs to investigate Vanguard. :D The average fee charged by target-date funds dropped to 0.65 percent this year And while ...
by CABob
Tue May 05, 2015 2:25 pm
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1103
Views: 509705

Re: Less is more.

Taylor Larimore wrote:Investors cannot believe that investing is as simple as owning three (or four) total market index funds.

And many advisors don't want the investors to believe? :annoyed

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