Search found 3520 matches

by CABob
Tue Aug 04, 2015 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: First Time Retirement Accounts Setup
Replies: 4
Views: 200

Re: First Time Retirement Accounts Setup

I see nothing wrong with your plan, however I suggest that at this point you contribute only to the S&P500 fund. Once the account grows a bit you might think about a change to get closer to a total stock market allocation. At your age you perhaps don't want or need a big exposure to bonds and in...
by CABob
Tue Aug 04, 2015 8:16 pm
Forum: Forum Issues and Administration
Topic: SUGGESTION: Include basic stats (age, net worth, asset allocation) in one's portfolio when they post
Replies: 9
Views: 474

Re: SUGGESTION: Include basic stats (age, net worth, asset allocation) in one's portfolio when they post

Since many posters (including the OP) have a reluctance to even list their location it is doubtful many would be comfortable listing their age and net worth.
While the information might be interesting I don't think it would change my viewpoint on the quality of the content of a post.
by CABob
Mon Aug 03, 2015 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping track of health expenses and reimbursements
Replies: 13
Views: 689

Re: Keeping track of health expenses and reimbursements

Thanks for posting. I find the responses useful since I had asked a similar question a couple of months ago.
viewtopic.php?f=2&t=167243&p=2514503#p2514503
by CABob
Mon Aug 03, 2015 10:08 am
Forum: Investing - Theory, News & General
Topic: Where can you get unbiased financial information? (Mike Piper)
Replies: 18
Views: 1536

Where can you get unbiased financial information? (Mike Piper)

[Multiple threads merged into here, see below. --admin LadyGeek] An interesting article from Oblivious Investor regarding biased and unbiased information. As far as unbiased sources that are still knowledgable, something like the Bogleheads forum is about the closest you can get. Most people there ...
by CABob
Mon Aug 03, 2015 9:38 am
Forum: Personal Consumer Issues
Topic: Retirees: Questions you hate being asked
Replies: 93
Views: 6803

Re: Retirees: Questions you hate being asked

Marmot wrote:I heard Jerry Van Dyke interviewed a long time ago, his statement that always stayed with me: "we don't do nuthin and we don't start that until noon" :happy

I like it and may use that myself. I see a problem however in that noon is apt to interfere with my afternoon nap. :?
by CABob
Sun Aug 02, 2015 10:03 pm
Forum: Personal Consumer Issues
Topic: What to do with an old iphone 4s - can't use it as a backup phone either
Replies: 16
Views: 1375

Re: What to do with an old iphone 4s - can't use it as a backup phone either

Cell phones for soldiers.
I think there is a market for gently used cell phones. Check craigslist.
I was in a store recently and they were trying to sell me an iPhone 4.
by CABob
Sun Aug 02, 2015 9:57 pm
Forum: Investing - Theory, News & General
Topic: [How often do you check on your investments?]
Replies: 43
Views: 1767

Re: [How often do you check on your investments?]

Quarterly and then I update my spreadsheets to provide a historical record of investments and check AA etc.
by CABob
Sun Aug 02, 2015 9:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Fund Dividends - More Significant Digits Than Shown?
Replies: 8
Views: 897

Re: Vanguard Fund Dividends - More Significant Digits Than Shown?

It looks to me that they show enough significant digits to be able to show that there was a dividend even thought it is small.
by CABob
Sun Aug 02, 2015 12:43 pm
Forum: Personal Consumer Issues
Topic: Retirees: Questions you hate being asked
Replies: 93
Views: 6803

Re: Retirees: Questions you hate being asked

I recall retiree indicating to me that they get up every morning with nothing to do and by nightfall they are only half done.
Since I have retired I find this to be quite true.
by CABob
Fri Jul 31, 2015 3:18 pm
Forum: Investing - Theory, News & General
Topic: Questions regarding Tax-Loss Harvesting
Replies: 5
Views: 307

Re: Questions regarding Tax-Loss Harvesting

So hypothetically, you invest $100,000 in the stock market in January. In February the value of your stocks falls to $90,000. You sell your stocks, realizing a loss of $10,000. After waiting 31 days (as to avoid a wash sale), you reinvest the $90,000 plus the additional tax money you've saved by re...
by CABob
Thu Jul 30, 2015 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Reit's Where do they fit in?
Replies: 7
Views: 358

Re: Reit's Where do they fit in?

REIT are equities. They are perhaps the least tax efficient of equities. They don't fit at all in a 3-fund portfolio and perhaps in a 5-fund portfolio depending on what you consider to be part of the 5 funds. In a 3-fund portfolio the equity portion includes a market weight of REIT so any additional...
by CABob
Tue Jul 28, 2015 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Estate Plan and Will
Replies: 12
Views: 868

Re: Estate Plan and Will

So what's the difference between an estate plan and a will ? Is the estate plan strictly for your House and the will for everything else? What do you mean by "estate plan"? To me an estate plan is a general idea of what you want to accomplish. A will is one particular legal document that ...
by CABob
Mon Jul 27, 2015 10:19 pm
Forum: Investing - Theory, News & General
Topic: Book Recommendation for New Investor
Replies: 10
Views: 603

Re: Book Recommendation for New Investor

Suggest to your daughter that she come to this forum and follow some of the conversations and perhaps ask some questions. There is also the book section of the wiki at https://www.bogleheads.org/wiki/Category:Books_and_authors Of special note would be the Boglehead's Guide to Investing. Taylor Larim...
by CABob
Mon Jul 27, 2015 11:08 am
Forum: Investing - Help with Personal Investments
Topic: How do I invest in the stock market?
Replies: 6
Views: 669

Re: How do I invest in the stock market?

I also suggest that you read a book or two aimed at the beginning investor. A personal favorite of mine is Personal Finance for Dummies by Eric Tyson. http://www.amazon.com/Personal-Finance-Dummies-Eric-Tyson/dp/1118117859/ref=sr_1_1?s=books&ie=UTF8&qid=1438013292&sr=1-1&keywords=eri...
by CABob
Sun Jul 26, 2015 1:54 pm
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 187
Views: 12057

Re: Would you look down on a co-worker for driving a beater?

I admit to being slightly self conscious driving it. Of course if I end up trading it in for a new car than I could have the best car in the group which could have issues to. I heard it's not good to have a better car than the boss. Now you are bringing up a slightly different issue. If you are sel...
by CABob
Sun Jul 26, 2015 11:35 am
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 187
Views: 12057

Re: Would you look down on a co-worker for driving a beater?

If your job entails meeting, entertaining, or transporting clients I would think there would be an issue, but as you describe it the car you drive is none of their business and you shouldn't be concerned. Besides, they only see the car you take to work not the ones home and in the garage. If questio...
by CABob
Sat Jul 25, 2015 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's Automatic RMD Service - Four Options
Replies: 15
Views: 1361

Re: Vanguard's Automatic RMD Service - Four Options

I have used the proportional option for a number of years and have found that it and tends to not throw off the allocations significantly. The RMD is directed to a taxable money market fund which then must be reallocated to some extent in consideration of the desired overall allocation. To try to ad...
by CABob
Sat Jul 25, 2015 9:56 am
Forum: Personal Finance (Not Investing)
Topic: 401k limits
Replies: 5
Views: 368

Re: 401k limits

That limit does not include your employers contribution. There is a maximum contribution in total that is in the neighborhood of $54K.
by CABob
Thu Jul 23, 2015 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Today's Vanguard Webinar On Bonds
Replies: 10
Views: 1538

Re: Today's Vanguard Webinar On Bonds

Did you submit your questions at the same time you registered? If so, I think there's a better chance that some of those got asked as opposed to those sent in during the broadcast. I have no way to verify, but, I suspect you are correct. It would take some effort to review, edit, organize, etc. the...
by CABob
Thu Jul 23, 2015 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard advisor service worth while for me?
Replies: 18
Views: 1428

Re: Is the Vanguard advisor service worth while for me?

Do you have significant capital losses in your taxable accounts? Remember that if you want to tax loss harvest you must have some losses to harvest. If the primary reason to use the advisor service is for tax loss harvesting I don't think it would be worth it IMO. You would have to make some assumpt...
by CABob
Wed Jul 22, 2015 11:42 am
Forum: Personal Consumer Issues
Topic: Magazine Subscriptions
Replies: 37
Views: 2709

Re: Magazine Subscriptions

I have found that Amazon has pretty good subscription rates for some magazines.
by CABob
Tue Jul 21, 2015 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Is the entire Car Transport Industry this Shady? Need help in getting a reliable transport company...
Replies: 20
Views: 2448

Re: Is the entire Car Transport Industry this Shady? Need help in getting a reliable transport company...

I've been in contact with 3 car transport companies, and I'm getting the impression that this is a real shady industry. I ask every one of them a very simple question: " If my car gets totaled during transport, how much will you pay me? " With my auto policy, I know for a fact that my ins...
by CABob
Tue Jul 21, 2015 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Inexperienced Trustee
Replies: 53
Views: 3438

Re: Inexperienced Trustee

Due to the inevitable, I am now trustee of my parents' life savings. The trust says that the principal is to be invested conservatively to earn at least 6%. Color me paranoid but what legal exposure do you have personally for accepting what is likely to be an impossible-to-fulfill trust requirement...
by CABob
Sun Jul 19, 2015 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: Start investing now on index?
Replies: 2
Views: 364

Re: Start investing now on index?

I think the answer is, yes, but since you asked what to me seemed to be a very basic thing it makes me think there might something else going on. Perhaps if you could provide a little more about yourself and some background to put the question in context I and others might be more certain of their r...
by CABob
Sun Jul 19, 2015 9:36 pm
Forum: Personal Consumer Issues
Topic: Roomba - would you buy it again?
Replies: 30
Views: 2603

Re: Roomba - would you buy it again?

Roomba Model 530. Do not like it. More of a hassle than benefit. Seems to get stuck many places, behind furniture, under furniture, anything on floor, etc. Has trouble going from carpet, wood floor, tile floor, down long hall way, beside bed with bedspread hanging down. I've had it for about 3 years...
by CABob
Sun Jul 19, 2015 2:49 pm
Forum: Personal Consumer Issues
Topic: How do I fix a hole in this wooden door?
Replies: 42
Views: 2338

Re: How do I fix a hole in this wooden door?

How to fix https://www.youtube.com/watch?v=4K233OoNfKk
If you do a search you are apt to find others.
by CABob
Sun Jul 19, 2015 2:43 pm
Forum: Investing - Theory, News & General
Topic: Emergency boglehead evangelist kit?
Replies: 19
Views: 2083

Re: Emergency boglehead evangelist kit?

As I talked with the person I learned that they were keen on actively managed funds and thought it was fine that we only had a couple of vanguard target funds among a whole bunch of fairly high cost and actively managed rubbish in our 401k plan today. :shock: It quickly became apparent that the per...
by CABob
Sun Jul 19, 2015 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: A retiree's personal experience...
Replies: 37
Views: 6576

Re: A retiree's personal experience...

experience may differ if one retires at height of a bull market, and then there is a severe downturn Yes. I retired December, 2007. :shock: I retired in 2002 and my wife in 2004. We survived 2007-2009 and recovered what we had lost reasonably soon afterwards. From that point forward the portfolio h...
by CABob
Sun Jul 19, 2015 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Bridge loan vs paying cash
Replies: 21
Views: 1731

Re: Bridge loan vs paying cash

I was in a similar position a few years ago. I chose to take out a conventional mortgage on the purchased house because I could do it without loan fees and prepayment penalty. I ended up having the loan for about 6 months. In hindsight I think that a home equity loan against the unsold home might ha...
by CABob
Sun Jul 19, 2015 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Three-fund portfolio for retirees?
Replies: 10
Views: 1431

Re: Three-fund portfolio for retirees?

You might try looking at your portfolio in a different way to see if it changes your outlook. If you look at the portfolio from a total return standpoint rather than a dividend (income) standpoint you might see your situation and concern a bit differently.
by CABob
Sat Jul 18, 2015 10:35 am
Forum: Investing - Help with Personal Investments
Topic: After Vanguard Retirement Date Fund, What else?
Replies: 3
Views: 401

Re: After Vanguard Retirement Date Fund, What else?

I don't think you "need" anything in addition to the target retirement fund, but, some do like to "tilt" their portfolios to overweight some aspect of the total market. Most common tilts are to REITs, small cap, value stocks, commodities, and probably some others that I have forg...
by CABob
Fri Jul 17, 2015 9:47 pm
Forum: Personal Consumer Issues
Topic: How do I properly label my condo's mailbox?
Replies: 8
Views: 901

Re: How do I properly label my condo's mailbox?

I was going to suggest you talk to the post office to see if they have any desires, preferences, or requirements, but the more I think about it I don't think the mail carriers ever really sees the label. They open up the front and work from there so they may not care.
by CABob
Fri Jul 17, 2015 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Percentages of stocks/bonds
Replies: 7
Views: 723

Re: Percentages of stocks/bonds

There is not universal agreement on stock/bond ratios and the effect of age. In fact there are a number of discussions on the matter with a lot of opinions and not complete agreement. If you are personally not comfortable with the TR fund based on your intended retirement year feel free to pick a fu...
by CABob
Thu Jul 16, 2015 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Finding a likeminded, Boglehead advisor for an annual flat fee or hourly rate in my area?
Replies: 16
Views: 1286

Re: Finding a likeminded, Boglehead advisor for an annual flat fee or hourly rate in my area?

In this day of telephones, email, texting, and the internet there is no good reason for needing an advisor within shouting distance. I am sure that you could deal with one across the country.
by CABob
Thu Jul 16, 2015 11:10 am
Forum: Investing - Theory, News & General
Topic: "My Too-Long Journey To Becoming An Index Fund Investor"
Replies: 12
Views: 2427

Re: "My Too-Long Journey To Becoming An Index Fund Investor"

Thanks, Taylor! I'd have a lot more money today if I starting indexing at an earlier age. Rick Ferri Yes, but ... if you hadn't been investing in active funds and individual stocks you probably would not have joined the brokerage firm. And if you hadn't been with that firm you might not have discov...
by CABob
Thu Jul 16, 2015 9:22 am
Forum: Personal Consumer Issues
Topic: Do i need to save old credit reports?
Replies: 7
Views: 769

Re: Do i need to save old credit reports?

I have once been asked a question about an address that was no longer on my report (because I lived there 15 years ago). I had an interesting situation on a report a number of years ago. Among the former addresses shown on a former report was 1234 Anystreet which was an address where I had lived fo...
by CABob
Wed Jul 15, 2015 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Lazy Portfolios
Replies: 15
Views: 1756

Re: Lazy Portfolios

Have you seen the Madsinger reports?
viewtopic.php?t=166912
by CABob
Tue Jul 14, 2015 6:52 pm
Forum: Personal Consumer Issues
Topic: Do i need to save old credit reports?
Replies: 7
Views: 769

Re: Do i need to save old credit reports?

Good question that I don't know the answer. I only save the most recent report. But you bring up an issue I have wondered about. They sometimes ask a somewhat obscure question that I'm not sure I will remember the answer 10 years from now.
by CABob
Tue Jul 14, 2015 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Score Question - Credit Cards
Replies: 37
Views: 3048

Re: Credit Score Question - Credit Cards

- What is the consensus on getting a card with the same bank? ... what are some other good ones out there? - Does your credit score take a hit for opening a new credit card? Personally, I suggest you not have multiple cards from the same bank. There is nothing inherently wrong with it but I have en...
by CABob
Mon Jul 13, 2015 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Thank you!
Replies: 8
Views: 1239

Re: Thank you!

Welcome to the forum. I hope your stay here is an enjoyable one. I think you will find that this is a friendly and helpful group.
by CABob
Sun Jul 12, 2015 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard IRA fees for buy orders
Replies: 5
Views: 542

Re: Vanguard IRA fees for buy orders

[I have an IRA open with Scottrade, but no money in it, and they charge me $7 per transaction.

Actually, I think at Scottrade is worse than that. If you are talking about a Vanguard mutual fund you will be charged a transaction fee which is higher than $7. For $7 you can buy a stock or ETF.
by CABob
Sun Jul 12, 2015 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: fund of funds wash sale question
Replies: 1
Views: 155

Re: fund of funds wash sale question

No. At the most extreme case there would only be a 60% substantially identical holding.
by CABob
Sun Jul 12, 2015 11:49 am
Forum: Investing - Theory, News & General
Topic: ETF's and the fees
Replies: 11
Views: 823

Re: ETF's and the fees

If you automatically re-invest dividends, how much does Scottrade charge you for that? It is possible that Scottrade has free dividend re-investment like most other brokers, but there are still hidden charges since your broker has to pay for new shares bought with your dividends and the broker gets...
by CABob
Sat Jul 11, 2015 9:53 pm
Forum: Personal Consumer Issues
Topic: House Layout: Where to put Dining Table?
Replies: 23
Views: 1748

Re: House Layout: Where to put Dining Table?

I guess I have questions more than answers, but, perhaps the questions will get you thinking. Does your family eat most of their meals in the dining room or the breakfast room? If family uses dining room I think it might be more convenient and efficient for it to be closer to the kitchen. Do you ent...
by CABob
Sat Jul 11, 2015 8:16 pm
Forum: Personal Consumer Issues
Topic: One car or two in semi-retirement?
Replies: 49
Views: 3364

Re: One car or two in semi-retirement?

For me there would be a loss of "independence" with only one car. For even the more routine things we would have to check with our other half to see if the car would be available. OTOH that is why there is a vehicle in the driveway that is 3 years old with about 8000 miles one it. There is...
by CABob
Sat Jul 11, 2015 7:47 pm
Forum: Investing - Theory, News & General
Topic: ETF's and the fees
Replies: 11
Views: 823

Re: ETF's and the fees

Hi all, Thinking about purchasing an ETF, but don't see where the fees get charged. I use Scottrade, so I know $7 in and $7 out, but how are the ETF's fees generated or charged? Is it in the buy price or the sell price? The fees you are asking about I believe are actually the expense ratios and the...
by CABob
Wed Jul 08, 2015 1:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: Morningstar Pages [Bogleheads on Morningstar]
Replies: 9
Views: 860

Re: Morningstar Pages

Morningstar has two dedicated pages to Bogleheads and Vanguard: * Bogleheads Unite * Vanguard Funds Are these pages going to continue? Probably, but that would be up to M*. Will they be merged on this forum. Don't think so. There is no connection between here and M* other that the subject of Vangua...
by CABob
Sun Jul 05, 2015 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Employer Now Offering Stock
Replies: 7
Views: 797

Re: Employer Now Offering Stock

Should I jump at this opportunity to buy into the company ownership or be cautious since it's essentially stock picking. I vote for being cautious, but that doesn't mean you should completely pass on the opportunity. I would suggest that you limit your exposure to 4 to 5% of your investing portfoli...
by CABob
Sat Jul 04, 2015 5:13 pm
Forum: Forum Issues and Administration
Topic: ? about users online [How many forum users are online now?]
Replies: 7
Views: 1134

Re: ? about users online [How many forum users are online now?]

Ok all, thanks for the help. The list of users at the bottom of the index page are all of those currently browsing any forum within Bogleheads and the list at the bottom while reading a thread are those reading that particular sub forum or thread. And both of those seem to be somehow limited by the ...
by CABob
Sat Jul 04, 2015 10:30 am
Forum: Forum Issues and Administration
Topic: ? about users online [How many forum users are online now?]
Replies: 7
Views: 1134

Re: ? about users online

Thanks Mudpuppy. I think that was the answer I was looking for.

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