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Re: In my ETrade DRIP account -- Small amounts of cash pop u

CABob, no broker. My dividend reinvestment program is on auto pilot (an equity earns a dividend, it's put right back in). I guess I am confused. In your OP you mentioned ETrade so I assumed that you had a brokerage account with them. I still think that the money is somehow related to dividends that...
by CABob
Sat Dec 20, 2014 1:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: In my ETrade DRIP account -- Small amounts of cash pop up??
Replies: 7
Views: 708

Re: In my ETrade DRIP account -- Small amounts of cash pop u

It is probably a portion of the dividends that are not getting reinvested. Does your broker allow fractional shares? If not suppose you get a dividend of $10 and shares of that stock are now priced at $8. Your broker would buy one share of stock at $8 and you would receive $2 in your cash account. I...
by CABob
Thu Dec 18, 2014 11:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: In my ETrade DRIP account -- Small amounts of cash pop up??
Replies: 7
Views: 708

Re: Asset allocation tool?

I also can't hold TSM in the IRAs due to holding it in taxable and wash sale considerations I don't think I understand this comment. There is nothing wrong with holding the same fund in two different accounts. In some cases it is desirable to assist in rebalancing. As for as wash sale consideration...
by CABob
Thu Dec 18, 2014 2:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset allocation tool?
Replies: 9
Views: 729

Re: On average, how often do you check your investment balan

I answered quarterly because at the end of each quarter I look at all balances and update some spreadsheets where I keep track of this stuff, determine asset allocations, and rebalance if needed. That is not to say that I don't occasionally look at some account or holding in between times for some r...
by CABob
Wed Dec 17, 2014 2:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: On average, how often do you check your investment balances?
Replies: 53
Views: 3305

Re: Vanguard and Turbo Tax

As I said in an earlier conversation, "TaxAct here I come." :o
by CABob
Tue Dec 16, 2014 10:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard and Turbo Tax
Replies: 11
Views: 1103

Re: freezer door won't stay closed GE profile

If you're looking for add-ons, look at some Parkinsons or various elderly-compatible latches that are available at Home Depot/Lowes, and various handicap accessibility stores. We put a low-force hand-latch for a friend of mine with Parkinsons. It allows him to seal and un-seal his fridge and freeze...
by CABob
Tue Dec 16, 2014 4:53 pm
 
Forum: Personal Consumer Issues
Topic: freezer door won't stay closed GE profile
Replies: 8
Views: 868

Re: Vanguard and Turbo Tax

I have not used the VG/TT links this year, but, in prior years IIRC the full price showed until you reached the final screen when the discount was incorporated.
by CABob
Tue Dec 16, 2014 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard and Turbo Tax
Replies: 11
Views: 1103

Re: Looking for alternative fund/etf rec's for tlh

For the VTSAX many would use an S&P500 fund. It generally tracks the TSM quite closely.
For VTSAX I suggest you look at VFWAX or VTWSX.
by CABob
Tue Dec 16, 2014 10:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Looking for alternative fund/etf rec's for tlh
Replies: 1
Views: 167

Re: freezer door won't stay closed GE profile

We used to have a GE top freezer and had the same problem. I talked with the dealer and got the response "They all do that." I fixed the problem by putting a child's safety latch on the freezer. Something like http://www.homedepot.com/p/Safety-1st-Multi-Purpose-Appliance-Latch-2-Pack-HS155...
by CABob
Mon Dec 15, 2014 11:15 pm
 
Forum: Personal Consumer Issues
Topic: freezer door won't stay closed GE profile
Replies: 8
Views: 868

Re: Your Favorite Cookbook?

Eet Smakelijk
and Better Homes and Gardens that one in the red plaid cover.
Both have been on our shelf for over 30 years.
But when looking for something new, Google is my friend.
by CABob
Sun Dec 14, 2014 11:46 pm
 
Forum: Personal Consumer Issues
Topic: Your Favorite Cookbook?
Replies: 60
Views: 4134

Re: Humidifiers?

I have become sensitive to the 'white dust' that the cool mist ultrasonics emit, which is microscopic crystals of the minerals in your water. Causes a permanent sinus problem if I sleep in the same room. I switched to the old fashioned wick kind...no particles in the air, no problem (except changin...
by CABob
Sun Dec 14, 2014 10:50 pm
 
Forum: Personal Consumer Issues
Topic: Humidifiers?
Replies: 14
Views: 966

Re: How can I slice & dice like Swedroe, Ferri, etc w/ littl

which has higher costs, ETFs for Admiral Shares? or at they equal? if ETFs have lower costs, wouldnt people e better having Admiral Shares up to $10k and using ETFs for the rest - every few extra dollars that cannot purchase 1 ETF can just be added to the Admiral shares --- that is, if the ETFs hav...
by CABob
Sun Dec 14, 2014 9:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: How can I slice & dice like Swedroe, Ferri, etc w/ little $$
Replies: 50
Views: 3475

Re: How can I slice & dice like Swedroe, Ferri, etc w/ littl

ETFs have the same costs/fees/ER/etc as admiral shares??? Then why does anyone buy investor shares of any VG funds? Because many investors would prefer to not have to deal with some of the characteristics of ETFs: Transaction costs. Bid-Ask spreads. Need to have a brokerage account. Must buy in who...
by CABob
Sun Dec 14, 2014 11:26 am
 
Forum: Investing - Help with Personal Investments
Topic: How can I slice & dice like Swedroe, Ferri, etc w/ little $$
Replies: 50
Views: 3475

Re: Make money selling a house in 20 years

I don't think there is anyway to determine. There are just too many variables and unknowns. And based on what has been observed in recent years the result might be different in 18 years, or 20 years, or 22 years. In the next 20 years: I would think that it is unlikely that taxes will go down in 20 y...
by CABob
Sat Dec 13, 2014 6:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Make money selling a house in 20 years
Replies: 3
Views: 651

Re: Home battery storage

What I currently do is use zipper bags for each of the sizes, particularly the smaller sizes, and put the bags along with my battery condition tester in a plastic box about shoe box size. You want to be careful with this. On some batteries the metal can housing the battery is the anode. The sides a...
by CABob
Fri Dec 12, 2014 4:24 pm
 
Forum: Personal Consumer Issues
Topic: Home battery storage
Replies: 21
Views: 2096

Re: How can I slice & dice like Swedroe, Ferri, etc w/ littl

For a tax advantaged account with low or no transaction costs it is quite simple. Give up on slice and dice for the moment. Buy a target retirement fund with an appropriate asset allocation and keep until the balance is of a size that you can buy individual pieces of the allocations you want which w...
by CABob
Fri Dec 12, 2014 2:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: How can I slice & dice like Swedroe, Ferri, etc w/ little $$
Replies: 50
Views: 3475

Re: Home battery storage

I have seen a number of these storage racks/containers in stores and online and have owned a couple of them. https://www.google.com/?gws_rd=ssl#q=battery+storage The problem or situation I have had is with the quantities held. I use a fair number of AA and AAA batteries and not so many of the others...
by CABob
Fri Dec 12, 2014 2:30 pm
 
Forum: Personal Consumer Issues
Topic: Home battery storage
Replies: 21
Views: 2096

Re: What is your opinion about "tilting?"

I don't tilt, but, I did up until recently. My tilts were of the REIT and SV type.
My reasons for giving up on the tilting was for simplicity and not sure whether I had enough of a time horizon to take advantage of the tilts.
by CABob
Wed Dec 10, 2014 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: What is your opinion about "tilting?"
Replies: 116
Views: 8766

Re: 3 Fund Portfolio + 1 Stock

I have a stock certificate, suitable for framing (remember those), for a company that a cold calling broker recommended that soon afterward went bankrupt.
by CABob
Wed Dec 10, 2014 1:05 pm
 
Forum: Investing - Theory, News & General
Topic: 3 Fund Portfolio + 1 Stock
Replies: 4
Views: 635

Re: Poll: Dividend income to match annual salary?

It occurs to me that perhaps the question should have been, "When did your salary become less than your dividend income?"
That might have occurred at retirement, loss of job, death of primary wage earner, etc.
by CABob
Wed Dec 10, 2014 10:33 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Dividend income to match annual salary?
Replies: 39
Views: 3641

Re: how to join nylon webbing?

Are you sure you need a 15 inch collar? Have you looked at collars for small dogs.
Here is a link for a breakaway dog collar which is available in a size for 14 to 20". I'm not sure of the width.
by CABob
Mon Dec 08, 2014 8:42 pm
 
Forum: Personal Consumer Issues
Topic: how to join nylon webbing?
Replies: 26
Views: 1747

Re: how to join nylon webbing?

All the web says about gluing nylon webbing is nothing works. Something must work, because these things are sold commercially. I would think gluing using a contact cement would be worth a try. You would probably want to clamp the joint while the cement hardens. I haven't tried it but I would think ...
by CABob
Sun Dec 07, 2014 4:38 pm
 
Forum: Personal Consumer Issues
Topic: how to join nylon webbing?
Replies: 26
Views: 1747

Re: Anyone have Bank pay incorrect RMD?

Were tax withholdings from the RMD made that might have reduced the amount actually received?
by CABob
Sat Dec 06, 2014 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone have Bank pay incorrect RMD?
Replies: 12
Views: 1102

Re: Poll: Do you ask questions at company 401(k) meetings?

Noobvestor wrote:At my SEP IRA meetings with myself I sometimes ask 'should I use a Solo 401k, or do some rollover to a Roth IRA?' but that's about it.

So, you get to ask questions, but, you don't get any answers? :P
by CABob
Fri Dec 05, 2014 11:48 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you ask questions at company 401(k) meetings?
Replies: 25
Views: 1726

Re: Vanguard Turbo Tax prices anounced

TaxAct here I come.
:annoyed
by CABob
Fri Dec 05, 2014 4:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Turbo Tax prices anounced
Replies: 57
Views: 7778

Re: Credit Card Rejection!

You are not a "desireable" card holder to the CC company. Look on the bright side, you will now be able to order a free credit report from the credit bureau whose data was used to deny your application. I don't think your bank balance is used as a criteria, but, I could be wrong. As others...
by CABob
Fri Dec 05, 2014 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rejection!
Replies: 17
Views: 1111

Re: Poll: Do you ask questions at company 401(k) meetings?

I am retired, but, when I was employed my megacorp had a plan in which I participated since 401k plans were invented. I don't recall there ever being a meeting about the plan in which questions from employees were accepted. As I look at the poll results I guess this is not unusual, but, perhaps it i...
by CABob
Fri Dec 05, 2014 2:12 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you ask questions at company 401(k) meetings?
Replies: 25
Views: 1726

Re: Should I rebalance often inside a Roth/401k?

I use the 5/25 rule. I'm not familiar, would you explain please. https://www.bogleheads.org/wiki/Rebalance When asset classes deviate from their target by a certain absolute percentage. For example, if your target asset allocation is 60% equities and 40% fixed income and your rebalancing threshold ...
by CABob
Thu Dec 04, 2014 12:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I rebalance often inside a Roth/401k?
Replies: 11
Views: 570

Re: [Poll] What's Your Tax Prep Strategy?

H&R Block software lets you see the forms and the worksheets, and I imaging TT does too. As I recall they do, but, my experience has been that going from interview to the actual form (or worksheet) was not as convenient to use as with H&R or TaxAct. It was one of the issues that turned me o...
by CABob
Thu Dec 04, 2014 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] What's Your Tax Prep Strategy?
Replies: 64
Views: 3716

Re: Will Vanguard ever offer a passbook savings account?

Sorry, I should have said an "online" savings account, like the ones offered by online banks. Jeff's comment still stands IMO. I access my Vanguard accounts including a money market fund through my computer which is very similar to how I access my banking accounts. So I am not sure what k...
by CABob
Tue Dec 02, 2014 4:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Vanguard ever offer a passbook savings account?
Replies: 36
Views: 2363

Re: [Poll] What's Your Tax Prep Strategy?

I'm not sure which software I will use this year. I have used computer applications for probably 20 years or more. For the past 5 years I have used Turbotax primarily because it is the cheapest after discounts even though I really prefer TaxAct or TaxCut (H&R Block) which I used prior to TT as w...
by CABob
Tue Dec 02, 2014 1:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] What's Your Tax Prep Strategy?
Replies: 64
Views: 3716

Re: Helping adult child understand investing

I would not give up on suggesting books just yet, but, perhaps one of the less intimidating books might get her started. One of my suggestions is Personal Finance for Dummies by Eric Tyson. Or perhaps the Coffeehouse Investor by Bill Schultheis http://www.amazon.com/Coffeehouse-Investor-Wealth-Ignor...
by CABob
Mon Dec 01, 2014 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Helping adult child understand investing
Replies: 23
Views: 1855

Re: Financial Planner

This doesn't meet your criteria, but, you might consider Vanguard's services. They will charge you unless you bring a chunk of change to an account and they will most likely suggest Vanguard funds, but, they are not commissioned. https://investor.vanguard.com/what-we-offer/investing-help/choose-the-...
by CABob
Sun Nov 30, 2014 4:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial Planner
Replies: 15
Views: 1399

Re: Converting stocks in tax deferred accounts to taxable

I wouldn't consider you stupid to have stock funds in a tax deferred account so I don't know what to suggest in your case. Perhaps you have tax inefficient investments in your taxable accounts and that is the real problem. Is the variable annuity in a taxable or tax advantaged account? Perhaps as yo...
by CABob
Sat Nov 29, 2014 8:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Converting stocks in tax deferred accounts to taxable
Replies: 12
Views: 606

Re: Get up to $30 back per Amex card (Small Business Sat, 11

I noticed this conversation a little too late, but, I assume a Costco Amex will not work. Can anyone confirm?
by CABob
Sat Nov 29, 2014 1:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 7212

Re: Estimating & Paying Taxes Jointly?

Have you considered getting a late in the year withdrawal from your IRA and taking tax withholding from it? This would alleviate making the estimated quarterly payments.
by CABob
Thu Nov 27, 2014 1:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estimating & Paying Taxes Jointly?
Replies: 9
Views: 774

Re: Is there anything unhealthy about drinking tap water?

Tap water is constantly monitored for quality and is perhaps as "clean" as most bottled water. The problems with tap water is usually taste and odor so if that is a problem for you a filter or water service might be considered.
by CABob
Wed Nov 26, 2014 1:17 pm
 
Forum: Personal Consumer Issues
Topic: Is there anything unhealthy about drinking tap water?
Replies: 17
Views: 1261

Re: Excess RMD withdrawn

Thanks Alan and RM for your thoughts. For additional information for anyone interested I did contact VG Customer Service on Monday and explained the problem which they could also see when looking at the account on their end. They could not understand what had happened but would look into it and get ...
by CABob
Wed Nov 26, 2014 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Excess RMD withdrawn
Replies: 4
Views: 833

Re: Industrial stainless steel coffee maker

How about Bunn?
by CABob
Mon Nov 24, 2014 11:24 am
 
Forum: Personal Consumer Issues
Topic: Industrial stainless steel coffee maker
Replies: 18
Views: 1666

Excess RMD withdrawn

I requested and received my total 2014 RMD from my Vanguard IRA on November 3. Then on November 20 an additional RMD withdrawal was taken which appears to be over the required withdrawal amount. I will be calling Vanguard on Monday, but, was wondering if anyone has had a similar experience or might ...
by CABob
Sun Nov 23, 2014 10:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Excess RMD withdrawn
Replies: 4
Views: 833

Re: Vanguard launches new offering ... [Vanguard merchandise

The "Retiree in training" t-shirt is nice, but, what is appropriate for one already in retirement? Actually "Retiree in training" would have been appropriate for me a couple of years before I retired, but, I didn't want to advertise the fact that I was "easing down". :t...
by CABob
Sun Nov 23, 2014 8:41 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 13048

Re: Possible to exchange one Amex card for another?

I have a similar question about Bank of America VISA cards. Due to affinity cards and mergers and acquisitions I now have several BoA Visa cards (as well as a BoA Mastercard) and would like to cancel, combine, or do something to lower the number of cards and not affect credit limits or credit score....
by CABob
Sun Nov 23, 2014 1:39 pm
 
Forum: Personal Consumer Issues
Topic: Possible to exchange one Amex card for another?
Replies: 9
Views: 1120

Re: POLL: Do you personally own a cell phone?

Well, the poll confused me and the replies helped clarify but it seems there is not universal agreement on the meaning of terms and what to call certain phones. I have a cell phone. It is not what I call a smart phone. It does not "flip' like my original Motorola phone in the early 90's or so t...
by CABob
Sat Nov 22, 2014 4:23 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Do you personally own a cell phone?
Replies: 52
Views: 2940

Re: New Refrig with Icemaker. Filter?

What brand of refer is it? Perhaps telling us that there might be some with direct experience. I think it is reasonable that a filter is not put on a model without a water dispenser. It has been a while since I have had that type, but, IIRC when I did it did not have a filter. I would think that if ...
by CABob
Sat Nov 22, 2014 2:02 pm
 
Forum: Personal Consumer Issues
Topic: New Refrig with Icemaker. Filter?
Replies: 7
Views: 768

Re: portfolio suggestions for the truly aged.

It seems to me that she has a pretty good chance of not running out of money regardless of how it is invested within reason. That and the anticipated capital gains if she were to sell significant amounts of stock makes me think I might leave well enough alone. Does her portfolio throw off significan...
by CABob
Fri Nov 21, 2014 10:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: portfolio suggestions for the truly aged.
Replies: 20
Views: 2330

Re: Vanguard launches new offering ... [Vanguard merchandise

I ordered a cap on 11/18 and have not heard anything yet, but, I guess I got my order in before they sold out. I am curious as to how much of their sales volume is from Bogleheads. I was actually looking for a tee shirt that said, "My money went to Valley Forge and all I got was a tee shirt.&qu...
by CABob
Fri Nov 21, 2014 3:58 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 13048

Re: Problem with posting

I had this happen some times originally because I did not know about the feature Someone has just posted do you want to edit your post. I assumed when I clicked Submit my post went through and I just navigated away from the page. I think what lululu is referring to is that if while you are preparin...
by CABob
Thu Nov 20, 2014 2:04 pm
 
Forum: Forum Issues and Administration
Topic: Problem with posting
Replies: 9
Views: 1015

Re: Problem with posting

Are you sure you are logged in to the forum? Without logging in you can view posts but cannot post or reply.
by CABob
Thu Nov 20, 2014 12:42 pm
 
Forum: Forum Issues and Administration
Topic: Problem with posting
Replies: 9
Views: 1015
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