Search found 3351 matches

Return to advanced search

Re: Preparing for the Minimum Required Distribution

I understand your concern and it is good that you are thinking about it now. I am 75 and have been going through the process since I retired and took SS at age 63. My circumstance was very similar to yours except I took my pension as a lump sum into and IRA so I do not have a monthly payout from it....
by CABob
Sun Apr 19, 2015 6:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Preparing for the Minimum Required Distribution
Replies: 36
Views: 2071

Re: Cleaning out large basement - cost to rent a dumpster?

I just did a search for "dumpster rental prices" and got several hits some located near by. Also "trash bins for rent" got some information on smaller sizes.
by CABob
Sat Apr 18, 2015 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Cleaning out large basement - cost to rent a dumpster?
Replies: 29
Views: 1946

Re: mandatory 17% tip at a buffet

Recently in Vegas and took a group of 16 to a buffet. They mandated a 17% tip upon paying, before being seated. I don't know if it was negotiable after the fact, say if service had been poor; in any case it wasn't. But I don't normally tip 17 for a buffet; usually 10%. I have not witnessed this pra...
by CABob
Sat Apr 18, 2015 2:26 pm
 
Forum: Personal Consumer Issues
Topic: mandatory 17% tip at a buffet
Replies: 32
Views: 3402

Re: Costco and AMEX

Getting the AMEX would get us maybe $300-400 more back. Is it worth it? If you can get this much back as a rebate that you wouldn't get using another card I would think it is worthwhile. I have a Costco AMEX and have already received a solicitation from AMEX for an "upgrade" to what I ass...
by CABob
Fri Apr 17, 2015 9:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Costco and AMEX
Replies: 10
Views: 1745

Re: Costco and AMEX

In the light of poor performance, Costco will replace AMEX next April. Would it still be a smart choice to open an AMEX card until then? Whose poor performance? Costco is changing their "preferred' credit card, but, I haven't heard about it being due to anyone's poor performance. What do you m...
by CABob
Fri Apr 17, 2015 7:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Costco and AMEX
Replies: 10
Views: 1745

Re: Collecting: A Hobby First, Investment Second

I like to collect pictures of dead presidents.
Also autographs of Secretaries of the Treasury.
:moneybag
by CABob
Fri Apr 17, 2015 4:19 pm
 
Forum: Investing - Theory, News & General
Topic: Collecting: A Hobby First, Investment Second
Replies: 33
Views: 2703

Re: Favorite Boglehead Avatar?

LazyNihilist -
So what is your avatar? Is that the unicorn you almost saw one time? :P
by CABob
Thu Apr 16, 2015 9:49 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 87
Views: 4603

Re: Would you buy 1.5 M house without AC?

I lived in Torrance for over 30 years in a home without A/C and can say that at most there might have been 10 days a year that I would have used it if it had been available. Very few homes in the neighborhood had A/C. My home was not $1.5MM but was about half of that. As others have said it makes a ...
by CABob
Thu Apr 16, 2015 4:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house without AC?
Replies: 60
Views: 4477

Re: Personal Investing Guidance, please

hudsoner wrote:Sorry--I should have been clearer. The taxable investments are the Vanguard investments. Those three funds are in our Vanguard account.

And this is a taxable account, correct? The only tax advantaged account is the 3% in the Roth?
by CABob
Wed Apr 15, 2015 2:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Personal Investing Guidance, please
Replies: 14
Views: 1054

Re: How to redeem old stock certificates

My questions are: 1. Can anyone confirm that Flextronics is the successor of Dovatron? I can't but suggest you contact Investor Relations at Flextronics. http://www.flextronics.com/ 2. Do these old certificates have value (I think they should, so if not, why not)? It would depend on the provisions ...
by CABob
Wed Apr 15, 2015 12:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to redeem old stock certificates
Replies: 1
Views: 274

Re: Personal Investing Guidance, please

The percentages you give for your taxable and Roth investments total 100%. You indicate that you have a Vanguard retirement account, but, provide no indication as to how it is allocated and what percentage of your total investments it represents. You can get the best advice if you consider all inves...
by CABob
Wed Apr 15, 2015 11:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Personal Investing Guidance, please
Replies: 14
Views: 1054

Re: This retiree is a bit confused

This is not so much a withdrawal problem as it is an asset allocation problem. First you need to determine what you want currently and in the future as far as a stock/bond ratio. Once you have that determined you then might think about how to get there from your current portfolio and how to address ...
by CABob
Tue Apr 14, 2015 11:56 am
 
Forum: Investing - Theory, News & General
Topic: This retiree is a bit confused
Replies: 21
Views: 3395

Re: How do I allocate $10,000 to buy 4 individual funds if I

Why are you asking? Is it your intent to have some holding in all four funds? Is a zero holding in one or more funds acceptable?
Option 1 -Hold only Fund B.
Option 2 -Put $6,000 into Fund A and $4000 into Fund D.
This may or may not be exactly 60/40 but it should be very close.
by CABob
Mon Apr 13, 2015 2:56 pm
 
Forum: Investing - Theory, News & General
Topic: How do I allocate $10,000 to buy 4 individual funds if I wan
Replies: 6
Views: 673

Re: Password manager recommendations?

Since there are only a few with multiples votes; maybe a poll could be added. Just curious. Perhaps a good idea. A quick scan of the responses looks like the following in order of popularity (high to low). These two very close and way out ahead of the others: KeePass LastPass Then these three reaso...
by CABob
Mon Apr 13, 2015 12:42 pm
 
Forum: Personal Consumer Issues
Topic: Password manager recommendations?
Replies: 45
Views: 2489

Re: Record keeping with Excel

Does anyone have any templates or basic ideas for the types of information one should keep track of and how to go about doing it? Bite the bullet and buy Quicken or some equivalent every three years. The extra cost is far less than the cost of the time you will use up messing with Excel. Your "...
by CABob
Mon Apr 13, 2015 9:44 am
 
Forum: Investing - Theory, News & General
Topic: Record keeping with Excel
Replies: 19
Views: 1548

Re: Password manager recommendations?

LastPass is a great, low cost ($12/year, I think) offering that is cloud based so you can access it anywhere. It is what I recommend to non-technical people. I just looked at the LastPass website and it looks like one can download for free. Does that mean one can use if for free or does it mean the...
by CABob
Sun Apr 12, 2015 1:15 pm
 
Forum: Personal Consumer Issues
Topic: Password manager recommendations?
Replies: 45
Views: 2489

Re: Is not utilizing taxable space for long-term investing w

My guess is that most taxable investment accounts are opened because and after all available tax advantaged accounts have been utilized. I think this is a good thing since I don't recall anyone who reached retirement and were sorry that they had saved/invested so much. The other thing that occurs to...
by CABob
Sun Apr 12, 2015 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is not utilizing taxable space for long-term investing wise?
Replies: 11
Views: 1193

Re: Favorite Boglehead Avatar?

gkaplan wrote:I like my avatar, actually.

Didn't you formerly use an attractive musician?
by CABob
Sat Apr 11, 2015 4:01 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 87
Views: 4603

Re: What to do with old brokerage account?

It appears that JALBX is approximately 80/40 stock/bond. So if you put it all into equity in a taxable account then you will probably have to change some equity to bond holding in your tax advantaged account. Overall this seems like a good idea. Give me some of that 80/40 stuff! It sounds 20% bette...
by CABob
Fri Apr 10, 2015 7:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with old brokerage account?
Replies: 13
Views: 1039

Re: What to do with old brokerage account?

I realize that the current these number do not match up with my desired AA. I was hoping to figure out what to do with the taxable account first and then rebalance from there. This MAY be a good approach, but, consider the following. 401k plans often have less than desirable investment choices beca...
by CABob
Fri Apr 10, 2015 2:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with old brokerage account?
Replies: 13
Views: 1039

Re: Best US city to spend Xmas

Perhaps my most memorable holiday between Christmas and New Years was a trip from Michigan to California skiing. Stops at Aspen, Vail, Breckinridge, Park City, Mammoth Mountain, and perhaps another that I have forgotten about. Skied all day, drove all night, rinse and repeat.
by CABob
Thu Apr 09, 2015 9:48 pm
 
Forum: Personal Consumer Issues
Topic: Best US city to spend Xmas
Replies: 40
Views: 2316

Re: What to do with old brokerage account?

It appears that JALBX is approximately 60/40 stock/bond. So if you put it all into equity in a taxable account then you will probably have to change some equity to bond holding in your tax advantaged account. Overall this seems like a good idea.

Edit: Corrected 60/40
by CABob
Thu Apr 09, 2015 9:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with old brokerage account?
Replies: 13
Views: 1039

Re: Poll: What is the credit limit of your credit card?

adamthesmythe wrote:There is no option for "I don't know."

I'm not even sure where to find out.

Perhaps on your monthly statement?
:|
by CABob
Thu Apr 09, 2015 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Poll: What is the credit limit of your credit card?
Replies: 56
Views: 3411

Re: carrying both Target Date (401) & LifeStrategy (rIRA) fu

If the desired overall bond allocation (and also international, etc.) can be held in the TIRA then I see no problem in holding only the 500 index fund in the 401k. I don't believe that the Fido Freedom series of funds are made up of index funds. That doesn't mean they are bad funds, but, may be the ...
by CABob
Thu Apr 09, 2015 10:09 am
 
Forum: Investing - Help with Personal Investments
Topic: carrying both Target Date (401) & LifeStrategy (rIRA) funds
Replies: 13
Views: 629

Re: Second Opinions Requested?

You have provided the percentages within the equity group and the bond group, but, what are the percentages of each fund in the total portfolio? Generally, however, the fund selection seems to be quite good. Edit: In looking closer I can see that the information is available using the percentages gi...
by CABob
Wed Apr 08, 2015 11:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Second Opinions Requested?
Replies: 7
Views: 685

Re: How do I grow my Roth IRA faster than my traditional IRA

I have figured out that my traditional IRA assets will likely be hardly taxed at all. That's a recurring theme on this forum. I'm not sure how recurring this is. How about when you start taking RMDs? Of course you may be converting a lot of TIRA to RIRA, but it still seems to me that for most folks...
by CABob
Wed Apr 08, 2015 10:46 am
 
Forum: Investing - Theory, News & General
Topic: How do I grow my Roth IRA faster than my traditional IRA?
Replies: 24
Views: 2374

Re: Buying a cordless wall hanging phone

Almost all of the cordless telephone base units that I have seen are made such that they can mount on wall or set on flat surface.
Or did I not understand the question?
by CABob
Tue Apr 07, 2015 4:01 pm
 
Forum: Personal Consumer Issues
Topic: Buying a cordless wall hanging phone
Replies: 4
Views: 418

Re: Get rid of stocks because you list faith in company prod

When I was actively buying and selling individual stocks I tried to not confuse my personal opinion of a company and an opinion of the products it made or sold, or whether I thought the stock was a good buy. It is only whether the anticipated stock purchase had good potential for future gains that i...
by CABob
Mon Apr 06, 2015 3:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Get rid of stocks because you lost faith in company product
Replies: 29
Views: 2105

Re: Obtaining Swiss visa in the US

This link may be useful.
http://www.schengenvisainfo.com/
by CABob
Mon Apr 06, 2015 3:24 pm
 
Forum: Personal Consumer Issues
Topic: Obtaining Swiss visa in the US
Replies: 16
Views: 1311

Re: Zweig's Latest Blog Post/Column

Link to the WSJ article.

OOPs! that link may not work. Try putting "Investing in Stocks Against the Indexing Goliath " into google or your favorite search engine
by CABob
Sat Apr 04, 2015 3:30 pm
 
Forum: Investing - Theory, News & General
Topic: Zweig's Latest Blog Post/Column (Bogle vs. Grant Debate)
Replies: 7
Views: 1731

Re: Bogle says: "Active mutual funds could disappear:

The obvious problem: - As soon as half the market's invested in passive indexes, who's going to keep the markets efficient? The whole concept of efficient markets (which passive investing is reliant on) necessitates most trades being based on active management decisions ... I'd speculate that the (...
by CABob
Sat Apr 04, 2015 3:17 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle says: "Active mutual funds could disappear:
Replies: 28
Views: 3405

Re: Beach vacation in So Cal

While I agree with others suggesting San Diego and/or the area north of SD you might also consider Ventura which is north of Los Angeles. This would mean flying into LAX and a 1 ½ hour drive on the infamous 405/101 freeways (ugh). http://visitventuraca.com/ I think you will find lodging well within ...
by CABob
Sat Apr 04, 2015 1:17 pm
 
Forum: Personal Consumer Issues
Topic: Beach vacation in So Cal
Replies: 52
Views: 4249

Re: Paying federal taxes on social security benefits??

Taxes withheld from SS or estimated quarterly taxes - which is the easiest for you? Go with it.
by CABob
Sat Apr 04, 2015 11:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying federal taxes on social security benefits??
Replies: 7
Views: 963

Re: Rental property purely for tax-saving reasons

There are things worse than paying taxes, such as not having the income to pay the taxes against. :twisted:
by CABob
Sat Apr 04, 2015 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Rental property purely for tax-saving reasons
Replies: 15
Views: 1418

Re: How to landscape an island and lawn tool recommendations

Check with the company that does the green waste recycling in your area. They may have a good deal on mulch.
My local sewage treatment plant sometimes has the stuff they recover from treatment available for free. I have picked up a couple of trash cans full a few times.
by CABob
Thu Apr 02, 2015 8:28 pm
 
Forum: Personal Consumer Issues
Topic: How to landscape an island and lawn tool recommendations?
Replies: 12
Views: 1032

Re: Tablet recommendations?

I asked a somewhat similar question a few days ago. My needs and desires are a bit different than yours, but, perhaps some of the responses would be of interest.
viewtopic.php?f=11&t=162038
by CABob
Mon Mar 30, 2015 9:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tablet recommendations?
Replies: 17
Views: 1595

Re: How many of you invest in individual stocks?

I'm not sure how to answer the poll. I own six individual stocks. They are all long term holdings going back to my pre-Boglehead days which of course means there are some significant long term gains. They all would be generally considered to be blue chip, dividend paying stocks. In total they compri...
by CABob
Sun Mar 29, 2015 10:34 am
 
Forum: Investing - Theory, News & General
Topic: How many of you invest in individual stocks?
Replies: 70
Views: 4754

Re: Recurring bills - How do you pay?

Other, the bank where my checking account is at has online bill paying that I use to manually pay my bills each month. It looks as if you should have had this as one of the choices. This is what I do and it appears that it is quite popular with others. I have a few set up as auto-pays, but, I have ...
by CABob
Sat Mar 28, 2015 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recurring utility bills - How do you pay?
Replies: 43
Views: 3073

Re: If you had 1 book to recommend...

As you can see there does not exist a consensus on one book to read. A couple of reasons including most here are more interested in reading and have probably read a number of books. Another might be trouble remembering what was the first book read. I think I agree with Taylors recommendation: You wi...
by CABob
Sat Mar 28, 2015 12:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: If you had 1 [investing] book to recommend...
Replies: 51
Views: 4809

Re: Sued and won for drycleaner losing suit, suit now found.

ResearchMed wrote:I hope you've found a different dry cleaner for all future needs?

I certainly wouldn't trust them, now, to do good work on your clothing.

And the cleaner might prefer to not do future business with the OP.
by CABob
Sat Mar 28, 2015 12:45 pm
 
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 86
Views: 7844

Re: Worst performing asset class since 2008

Have you looked at the Callen Chart?

Perhaps a better link.
by CABob
Thu Mar 26, 2015 12:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Worst performing asset class since 2008
Replies: 3
Views: 916

Re: Need a tablet maybe

Thanks all for your help. You've given me some ideas and pointed me out to the direction.
I'm leaning toward an Android in the neighborhood of $150, but am also thinking about the Kindle Fire. I don't expect to be reading books on the device, however, just news etc.
by CABob
Wed Mar 25, 2015 8:24 pm
 
Forum: Personal Consumer Issues
Topic: Need a tablet maybe
Replies: 26
Views: 1921

Need a tablet maybe

I am possibly interested in getting a tablet. Although I have been using computers for many years and have been reasonably proficient (I have recently even learned to tolerate Windows 8) my knowledge has not grown with the advances in technology and would like some suggestions on how to proceed. I d...
by CABob
Wed Mar 25, 2015 3:22 pm
 
Forum: Personal Consumer Issues
Topic: Need a tablet maybe
Replies: 26
Views: 1921

Re: One single investment in a taxable account

You shouldn't look at this taxable account in isolation from the rest of your invested assets. Instead you should look at all accounts as a group. This might mean that you put all of you tax inefficient investments in your tax deferred accounts leaving your taxable account for the tax efficient inve...
by CABob
Wed Mar 25, 2015 11:50 am
 
Forum: Investing - Help with Personal Investments
Topic: One single investment in a taxable account
Replies: 10
Views: 1238

Re: Scottrade

If you have a Voyager Select account ($500,000+ in VG assets) then you will only have to pay $2 for trades of non-VG funds/ETFs If you don't have enough in the account to be Voyager Select the commissions will be $7 (the same as Scottrade). https://personal.vanguard.com/us/whatweoffer/stocksbondscd...
by CABob
Wed Mar 25, 2015 11:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Scottrade
Replies: 5
Views: 485

Re: Costco/AmEx relationship ending. New Costco MasterCard?

I see that Amex is already starting to try to shift people to a different offer. The proposal I got was: 3% Cash Back at US supermarkets, up to $6,000 per year in purchases (then 1%) 2% Cash Back at US gas stations 2% Cash Back at select US department stores 1% Cash Back on other purchases 0% intro...
by CABob
Wed Mar 25, 2015 10:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Costco/AmEx relationship ending. New Costco MasterCard?
Replies: 85
Views: 112759

Re: What do you think of storage sheds as an investment?

I'm pretty sure it includes the land. It doesn't say anything about leasing the sheds. In my part of the world these are often long term leases on properties that are otherwise useless such as under power lines etc. I don't know if that is good or bad, but, you sure need to know what the status is ...
by CABob
Tue Mar 24, 2015 5:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: What do you think of storage sheds as an investment?
Replies: 38
Views: 3460

Re: Restaurant Tipping, No Waiter/Waitress

I will have to some investigation but from my understanding who ever is available brings whatever you order. If you order a beer or two and some food you may end up with 3 different severs. If its one person doing all the work than a regular tip would be in order. Will let you know after I get some...
by CABob
Sun Mar 22, 2015 10:15 am
 
Forum: Personal Consumer Issues
Topic: Restaurant Tipping, No Waiter/Waitress
Replies: 18
Views: 2854

Re: Restaurant Tipping, No Waiter/Waitress

I have not experienced this arrangement at a restaurant, but, it sounds as if your title of No Waiter/Waitress is not quite correct. It sounds as if there is a waiter that does everything normally expected other than placing the order. They bring the food, refill drinks, etc. In fact, perhaps there ...
by CABob
Sat Mar 21, 2015 10:44 pm
 
Forum: Personal Consumer Issues
Topic: Restaurant Tipping, No Waiter/Waitress
Replies: 18
Views: 2854
Next

Return to advanced search