Search found 2988 matches

Return to advanced search

Re: Solar Panel company recommendations - San Diego/ Souther

Also, some of the companies just didn't want to bother with us as our roof is partly shaded (but still usable). The companies want customers with the perfect setup so they can make as much money as possible with the leases. Interesting comment. I see a number of installations that have the panels p...
by CABob
Tue Sep 30, 2014 11:49 am
 
Forum: Personal Consumer Issues
Topic: Solar Panel company recommendations - San Diego/ Southern CA
Replies: 11
Views: 760

Re: Target-Date funds

But I can buy and sell the whole fund?

The target date funds are just like any other mutual fund as far as buying and selling. You can buy more at any time. You can sell all or part of the fund at any time.
by CABob
Mon Sep 29, 2014 11:17 pm
 
Forum: Investing - Theory, News & General
Topic: Target-Date funds
Replies: 17
Views: 826

Re: Asset Allocation, ETFs, Target retirement or Index Fund?

The ETFs have a lower expense ratio than the target rate fund? Yes thay do. The target date funds have prorated expenses of the Investor share funds while the ETFs have expenses that are the same as Admiral share funds. But, the difference in expenses between the target funds and ETFs will hardly b...
by CABob
Sun Sep 28, 2014 10:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation, ETFs, Target retirement or Index Fund?
Replies: 9
Views: 577

Re: Asset Allocation, ETFs, Target retirement or Index Fund?

Any of the options are reasonable. You don't say whether this is currently your only investment or whether you have other accounts, but, I will assume that this account stands alone. If and when there are other accounts you will need to look at your portfolio in total and not this Roth in isolation....
by CABob
Sun Sep 28, 2014 7:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation, ETFs, Target retirement or Index Fund?
Replies: 9
Views: 577

Re: Solar Panel company recommendations - San Diego/ Souther

This is not a recommendation since I do not have any first hand knowledge with them or any other company, but Vivint has been doing a lot of selling and installations in my area.
by CABob
Sun Sep 28, 2014 5:28 pm
 
Forum: Personal Consumer Issues
Topic: Solar Panel company recommendations - San Diego/ Southern CA
Replies: 11
Views: 760

Re: Is there any point in putting stock index funds in IRA?

When you are investing tax efficiently you should put your most tax inefficient investments in your tax advantaged accounts. The tax efficient investments can go in any account that is available.
by CABob
Sun Sep 28, 2014 3:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is there any point in putting stock index funds in IRA?
Replies: 9
Views: 861

Re: New VG upgraded account feature - shows "in progress"?

Maybe I don't have a brokerage account after all. Maybe all I have is a mutual fund account. I didn't know there was a difference. I haven't done any trading other than buying/exchanging mutual funds. How do I tell what kind of account I have? If all you have in an account are Vanguard mutual funds...
by CABob
Thu Sep 25, 2014 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: New VG upgraded account feature - shows "in progress"?
Replies: 13
Views: 1020

Re: What did you always wish for but never got?

For some reason, as a child I wanted a Carrom Board . A friend had one that I loved to play on. They were not all that expensive as I recall and I'm not even sure my parents were aware of my desire. I never received it either a child or later. But, every time I see one or am somehow reminded by a co...
by CABob
Wed Sep 24, 2014 4:53 pm
 
Forum: Personal Consumer Issues
Topic: What did you always wish for but never got?
Replies: 87
Views: 5067

Re: Where to find historical race data for specific zip code

The Wikipedia has a lot of this type of information under a city's name which I usually find with a Google search. For example, go to Sacramento, CA, scroll down about half way and look for Demographics. Many of the Wikipedia listings for states have similar demographic information.
by CABob
Wed Sep 24, 2014 4:25 pm
 
Forum: Personal Consumer Issues
Topic: Where to find historical race data for specific zip code?
Replies: 14
Views: 1386

Re: Withdrawl from Target Retirement or Life Strategy Fund

Bumping thread. Why? You have received a number of replies that have addressed your question although they may not have all been in agreement with each other, but, that is to be expected. Does there remain an issue that has not been addressed or that you have confusion about? Personally, I don't se...
by CABob
Mon Sep 22, 2014 11:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Withdrawl from Target Retirement or Life Strategy Fund
Replies: 51
Views: 4435

Re: When to throw out childhood toys? Encourage me please.

Hand it out at Halloween

There's an idea I hadn't thought of, but, may have merit. I envision a box of toys beside the front door and inviting the witches and goblins to help themselves.
by CABob
Mon Sep 22, 2014 1:11 pm
 
Forum: Personal Consumer Issues
Topic: When to throw out childhood toys? Encourage me please.
Replies: 34
Views: 2393

Re: When to throw out childhood toys? Encourage me please.

Of all the toys I had as a child my parents decided to keep a toy cash register similar to Tom Thumb which I now have. It appears that they are not rare and can be had for $10 to $30. I don't have any particular attachment to it, but, haven't disposed of it yet.
My vote is to trash or donate.
by CABob
Sun Sep 21, 2014 7:09 pm
 
Forum: Personal Consumer Issues
Topic: When to throw out childhood toys? Encourage me please.
Replies: 34
Views: 2393

Re: How to add to my portfolio monthly without crazy fees

I was coming back here just now to ask why people recommended the target date fund through vanguard for someone with a small account balance. Why start there and then switch over to the 3 fund portfolio after the fact, when you have more money? (But i do love the idea of owning just ONE fund, that ...
by CABob
Sat Sep 20, 2014 11:44 am
 
Forum: Investing - Help with Personal Investments
Topic: How to add to my portfolio monthly without crazy fees
Replies: 35
Views: 2400

Re: How to add to my portfolio monthly without crazy fees

notwerby, Most of the replies on this conversation are suggesting and recommending that you transfer the account to Vanguard and hold either index funds or a fund of funds in it. For some reason you seem to be reluctant to do that and are talking about reasons to stay with TD Ameritrade. Can you tel...
by CABob
Tue Sep 16, 2014 9:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to add to my portfolio monthly without crazy fees
Replies: 35
Views: 2400

Re: Proper Way To Wear Suspenders

If you just bought yourself a pair of overalls, you wouldn't have to worry about it, the suspenders are sown right in. Your co-workers might even admire you for making a bold fashion statement. gatorman The look especially nice with only one suspender fastened and the other one hanging down. :confu...
by CABob
Tue Sep 16, 2014 4:03 pm
 
Forum: Personal Consumer Issues
Topic: Proper Way To Wear Suspenders
Replies: 29
Views: 1895

Re: Tour travelling by bus

A few years ago I went on a bus tour that included Bryce, Zion, Lake Powell, Flagstaff, and Canyon de Chelly. We enjoyed it a lot and frequently talk about it. This was organized by a travel club at my place of employment. Recently a friend mentioned tours with Caravan Tours that were very enjoyable...
by CABob
Tue Sep 16, 2014 2:33 pm
 
Forum: Personal Consumer Issues
Topic: Tour travelling by bus
Replies: 36
Views: 1946

Re: Strange Billing Practice by Medical Provider

This seems very strange to me. How will you get reimbursed for what you paid to the provider? From BCBS or from provider? I sounds to me that the provider has to submit his bills to BCBS whether you pay him in advance or not. The advantage to the provider seems to be that he gets paid much sooner th...
by CABob
Tue Sep 16, 2014 1:33 pm
 
Forum: Personal Consumer Issues
Topic: Strange Billing Practice by Medical Provider
Replies: 38
Views: 2733

Re: Stove - repair or replace

kenschmidt wrote:In our oven, there is an ignitor for the oven and an ignitor for the broiler. My guess is that is why you are seeing two.

Thank you for that which I believe is the case in our oven also. I forget about the broiler since we never use it.
by CABob
Tue Sep 16, 2014 11:00 am
 
Forum: Personal Consumer Issues
Topic: Stove - repair or replace
Replies: 9
Views: 572

Re: Stove - repair or replace

Per Consumer Reports August 2011 (there may be a newer article): Repair or Replace Gas Range: 1-4 years old, repair, 4-7 consider repairing, 8 or more replace. Median replacement cost was $700. Gas ranges were noted as expensive to repair. Thanks for that information. Although I understand using ag...
by CABob
Mon Sep 15, 2014 10:37 pm
 
Forum: Personal Consumer Issues
Topic: Stove - repair or replace
Replies: 9
Views: 572

Re: Stove - repair or replace

Thanks for the help so far. If I were a bit younger and more agile I might try to fix it myself but not any more. It was a gas leak that alerted us to the problem in the first place. I seems that there are two ignitors in the oven area so we will see what happens.
Any more thoughts?
by CABob
Mon Sep 15, 2014 7:36 pm
 
Forum: Personal Consumer Issues
Topic: Stove - repair or replace
Replies: 9
Views: 572

Stove - repair or replace

I have a 8 year old Fridgidaire Gas Stove with an oven that has just been red tagged by the gas company. The gas man said it was an intermittant problem with the oven ignitor. I have a repair guy scheduled to come out to look at it in a few days, but, in the meantime I'm wondering if this is apt to ...
by CABob
Mon Sep 15, 2014 6:48 pm
 
Forum: Personal Consumer Issues
Topic: Stove - repair or replace
Replies: 9
Views: 572

Re: What's in your tax advantage accounts?

I don't see why it's such a bad idea to have a bond fund in a taxable account. .... Would anyone care to enlighten me? I think that the issue as far as tax efficiency is comparing a bond fund to an equity fund. An equity fund will distribute for the most part qualified dividends and long term capit...
by CABob
Mon Sep 15, 2014 3:48 pm
 
Forum: Investing - Theory, News & General
Topic: What's in your tax advantage accounts?
Replies: 54
Views: 3934

Re: Should I purchase retirement home with in-laws?

At first glance it does not seem to be a good idea, but, first a question. Why are you considering it? Are you doing it as a favor or financial help to your inlaws? Are you considering because you think it a good investment? Some thoughts for consideration: 1. How sure are you that you know now wher...
by CABob
Mon Sep 15, 2014 2:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I purchase retirement home with in-laws?
Replies: 18
Views: 1295

Re: What's in your tax advantage accounts?

About 80% of our portfolio is in a pre-tax IRA. It is invested in a somewhat typical Boglehead portfolio using TSM and TBM with a small tilt toward SCV, MBS, TIPS, and REIT.
My taxable account is cash, individual stocks, TSM and a couple of dividend focused ETFs.
by CABob
Mon Sep 15, 2014 11:49 am
 
Forum: Investing - Theory, News & General
Topic: What's in your tax advantage accounts?
Replies: 54
Views: 3934

Re: Costco vs Amazon?

I confess to not having been in one of these warehouse type stores in some time....do they still sell items only in large quantity packaging? just thinking about the perishability factor. Not completely. Many things are sold in package sizes that are reasonable for a couple or single person. And of...
by CABob
Sat Sep 13, 2014 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 4620

Re: Two Fund real Lazy Portfolio?

And you could get even more lazy with a single fund, the Vanguard Balanced Index fund, VBINX.
https://personal.vanguard.com/us/funds/ ... IntExt=INT
If I recall correctly Jack Bogle has said you could do a lot worse than this single fund.
by CABob
Fri Sep 12, 2014 4:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Fund real Lazy Portfolio?
Replies: 36
Views: 4557

Re: Costco vs Amazon?

I have been a Costco member for many years. My conclusion is that they may not have the cheapest price on everything, but, that have a very fair price. And they often will throw in some extra that has some value. I got my last cell phone through them. I think I may have paid the same price as I woul...
by CABob
Thu Sep 11, 2014 9:00 pm
 
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 4620

Re: Costco vs Amazon?

Costco has a fair number of items for sale under their own trade name, "Kirkland". Generally these things are very well priced and couldn't be compared directly with Amazon. Costco doesn't typically carry a number of different brands for a single item, but IMO the one they carry is general...
by CABob
Thu Sep 11, 2014 4:42 pm
 
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 4620

Re: Another Smartphone/Verizon Question

In full disclosure, I no longer work for said employer but I did certify when they requested it (I was still employed there). I also had a Verizon discount plan through my employer. About 5 years after I retired Verizon decided I was no longer eligible for a portion of my discout plan and changed i...
by CABob
Tue Sep 09, 2014 5:06 pm
 
Forum: Personal Consumer Issues
Topic: Another Smartphone/Verizon Question
Replies: 21
Views: 1704

Re: Why no more Vanguards

a) you assume that there is a difference between Vanguard and other companies offering financial services (aka, the Vanguard model): Well, other comanies already do that (like Fidelity) - they all have now low cost funds, precisely because Vanguard forced them to compete - and customers were runnin...
by CABob
Tue Sep 09, 2014 12:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why no more Vanguards
Replies: 36
Views: 4874

Re: Fidelity: Successful investors forget they have an acco

I've been a bit of a procrastinator on certain tasks. When it comes to investing, procrastination looks almost like stay the course or buy and hold. I haven't ever forgotten about an account, however. Don't confuse inactivity with forgetting.
by CABob
Sun Sep 07, 2014 2:29 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity: Successful investors forget they have an account
Replies: 25
Views: 3756

Re: RE' Advestment advisory services?

And determine exactly what you expect/need/want an advisor to do for you.
by CABob
Sat Sep 06, 2014 1:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: RE' Advestment advisory services?
Replies: 10
Views: 675

Re: RMD Process

I have a single IRA with Vanguard. I have them take the RMD proportionally from all of the funds in the IRA. I have it taken late in the year (November) and have state and federal income taxes withheld.
Gill does present another viewpoint on the timing of the RMD which is interesting.
by CABob
Fri Sep 05, 2014 9:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD Process
Replies: 13
Views: 774

Re: Why no more Vanguards

Because there's absolutely no incentive for anyone to start another Vanguard. Vanguard is a mutual company; it's owned by the people who invest in its funds. That's part of what keeps the costs low; there are no dividends to pay to share holders. If I start another Vanguard like company, all I'd ge...
by CABob
Fri Sep 05, 2014 3:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why no more Vanguards
Replies: 36
Views: 4874

Re: Proper Way To Wear Suspenders

I expect this conversation to get locked soon, but, will throw in my comment while I can. By way of disclosure, I have never worn suspenders on any regular basis. I've tried them with clip on type and they just did not feel right. But it seems to me that to pants made with loops for a belt just don'...
by CABob
Fri Sep 05, 2014 1:46 pm
 
Forum: Personal Consumer Issues
Topic: Proper Way To Wear Suspenders
Replies: 29
Views: 1895

Re: Coin Counting Machines

joe8d wrote:Does anyone else remember when you could send postage stamps instead coins for things like cereal box offers? :happy

Yes I do and it doesn't make me feel any younger.
And first class postage was probably no more than three cents.
:confused
by CABob
Thu Sep 04, 2014 8:25 pm
 
Forum: Personal Consumer Issues
Topic: Coin Counting Machines
Replies: 58
Views: 4065

Re: POLL: What was the first stock you ever bought?

My first stock was an IPO. A friend worked for the company and told all his friends that the company was going public and we should "get in on the action". So I bought 100 shares at $5 which at the time was a significant amount to me. I held the stock for a year or so and eventually sold f...
by CABob
Thu Sep 04, 2014 7:55 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: What was the first stock you ever bought?
Replies: 74
Views: 2860

Re: Market at a all time high ( Sept 2014) , time to cash ou

If you look at a long term chart of any of the broad market indexes you will see that they have experienced a lot of all timee highs along the way. How many of these would have been a good time to sell? Yes they might have been a good time to sell but only if one also accurately forcasted when was a...
by CABob
Thu Sep 04, 2014 3:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Market at a all time high ( Sept 2014) , time to cash out?
Replies: 49
Views: 3765

Re: Question about expense ratios for TR Funds

Hi-- I am looking at VTTVX (TR 2025) and alternatively investing in the separate funds. My question is: Is the 0.17 Expense Ration for the TR Fund in addition to the ER's for the underlying funds? Or is it instead of? Thank you! The ER for Vanguard TR funds is the weighted average of the Investor s...
by CABob
Thu Sep 04, 2014 2:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about expense ratios for TR Funds
Replies: 7
Views: 341

Re: Hidden car key a thing of the past?

I have occasionally hidden a key on my vehicle in the past, but have never had the need to retrieve it. It was probably just as well since I recall using one of those metal containers with a magnet to hide a key a couple of times only to lose the container from hitting a pot hole or somehthing. Then...
by CABob
Thu Sep 04, 2014 1:40 pm
 
Forum: Personal Consumer Issues
Topic: Hidden car key a thing of the past?
Replies: 26
Views: 2572

Re: Nipomo/Pismo/Obispo: Where to stay?

The Inn at Morro Bay
They do tend to get a fair amount of fog and cool weather even when the interior is sweltering.
by CABob
Wed Sep 03, 2014 3:52 pm
 
Forum: Personal Consumer Issues
Topic: Nipomo/Pismo/Obispo: Where to stay?
Replies: 18
Views: 968

Re: Coin Counting Machines

Personally, I make it a point to spend my coins as fast as I accumulate them. It sometimes takes a while, but eventually I get rid of them. To me this makes more sense that putting them aside and then trying to figure out how to cash them by the jar full.
by CABob
Wed Sep 03, 2014 3:41 pm
 
Forum: Personal Consumer Issues
Topic: Coin Counting Machines
Replies: 58
Views: 4065

Re: Why is REIT only sector fund recommended in slice & dice

As pointed out, REITs are a bit different from other sector funds.
Generally sector funds decrease diversity rather than increase it.
by CABob
Tue Sep 02, 2014 11:27 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7897

Re: Setting up a spreadsheet?

Formulas are used whenever you want Excel to make a calculation. Anyway, I have a feeling I did not set it up correctly. In the vertical column are all my account totals. When I change an amount it automatically changes the total at the bottom of the column. This tells me that there is a formula in ...
by CABob
Tue Sep 02, 2014 11:21 pm
 
Forum: Investing - Theory, News & General
Topic: Setting up a spreadsheet?
Replies: 15
Views: 1075

Re: What to do with Canadian cell phone in the U.S.?

I have tried Googling...

I should know better than to question nisi when he said did a search, but, wondering if Samsung User Manual was seen.
by CABob
Tue Sep 02, 2014 12:36 pm
 
Forum: Personal Consumer Issues
Topic: What to do with Canadian cell phone in the U.S.?
Replies: 15
Views: 714

Re: Once your house appreciates +$250k, sell it?

Having sold a house for which I had to pay capital gains tax I wondered at the time whether I should have sold and bought (or did a major improvement) at least one time prior. It would have made the taxes for that year less painful, but, in the long run I'm not sure to do something else would have b...
by CABob
Tue Sep 02, 2014 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Once your house appreciates +$250k, sell it?
Replies: 42
Views: 3698

Re: DIY Index Fund

I have read and am inclined to think that it could be done with 25-35 stocks, but, I don't think selecting the stocks would be easy. I would think you would want to be well diversified with regard to market cap, industry, etc. and that would take some degree of research and study. And then you would...
by CABob
Mon Sep 01, 2014 3:38 pm
 
Forum: Investing - Theory, News & General
Topic: DIY Index Fund
Replies: 25
Views: 2359

Re: [Symantec anti-virus] Norton Auto Renewal

Thanks for posting. I also have had similar problems with Norton. It appears that automatic renewals is the default setting when installing. I suspect that I have paid for a renewal for a computer that is long gone. If you go to your Norton account there is a place to turn off automatic renewal.
by CABob
Mon Sep 01, 2014 1:19 pm
 
Forum: Personal Consumer Issues
Topic: [Symantec anti-virus] Norton Auto Renewal
Replies: 21
Views: 1123

Re: Recommendations for Cordless Phone System for Home?

We have used an AT&T EL52300 for a number of years and have been happy with it. http://www.amazon.com/AT-EL52300-Cordless-Silver-Handsets/dp/B004GMN2HG/ref=sr_1_1?ie=UTF8&qid=1409422486&sr=8-1&keywords=att+el52300 We recently bought a corded/cordless telephone for my MIL similar to h...
by CABob
Sat Aug 30, 2014 2:19 pm
 
Forum: Personal Consumer Issues
Topic: Recommendations for Cordless Phone System for Home?
Replies: 14
Views: 1123

Re: Do you mix inheritance and earned money?

My initial thought for a response was that money was money and source is of no significance once it is mine so there is no need to keep it separate. In actual practice, however, I recall that my brother and I received some money from my mother while still living because she "needed to keep her ...
by CABob
Fri Aug 29, 2014 9:13 pm
 
Forum: Personal Consumer Issues
Topic: Do you mix inheritance and earned money?
Replies: 25
Views: 2253
Next

Return to advanced search