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Re: Reporter doing story on PIMCO in 401k

alec wrote:Mel, you probably got no takers because the pimco fund isn't the only option. My 401k has VBMFX in addition to Pimco TR.

As I read Mel's quote in the OP I don't think that would rule you out as a candidate for interview. Perhaps Mel can clarify. Of course, I now see that it is too late to respond.
by CABob
Tue Oct 21, 2014 8:39 pm
 
Forum: Investing - Theory, News & General
Topic: Reporter doing story on PIMCO in 401k
Replies: 4
Views: 720

Re: How do you wash your car?

I use a combination of express wash and full service wash. If it is mostly surface dirt the express wash does a reasonably good job. For more significant dirt (bird droppings, tar, bugs, etc.) I use a full service wash and get the interior cleaned also.
by CABob
Mon Oct 20, 2014 7:36 pm
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 104
Views: 3892

Re: Shoes for Plantar Fasciitis?

My DD who is a runner has had some PF problems in the past and swears by Heel that Pain. I also tried them and did not have great results. YMMV
by CABob
Mon Oct 20, 2014 1:36 pm
 
Forum: Personal Consumer Issues
Topic: Shoes for Plantar Fasciitis?
Replies: 45
Views: 1755

Re: Windows XP

I am still using XP but have had some problems with it that I think may be more related to a hard drive that is filled almost to capacity. I have a newer computer with Win 8 that I don't really like or I suppose it would be more correct that I am not used to using. I should have followed the advice ...
by CABob
Mon Oct 20, 2014 11:20 am
 
Forum: Personal Consumer Issues
Topic: Windows XP
Replies: 41
Views: 1776

Re: Mold in dishwasher

There are dishwasher cleaners available which many manufacturers recommend using. I believe that the primary ingredient of the cleaner is citric acid.
by CABob
Sun Oct 19, 2014 6:25 pm
 
Forum: Personal Consumer Issues
Topic: Mold in dishwasher
Replies: 14
Views: 1075

Re: When is a living trust and/or will appropriate?

I think that a will is always in order. The question that remains is whether a trust is needed in addition to the will. Most if not all of the assets you listed can be addressed by transfer on death, payable on death, or listed beneficiary designations so they would not necessarily require a trust. ...
by CABob
Sun Oct 19, 2014 1:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: When is a living trust and/or will appropriate?
Replies: 5
Views: 791

Re: WSJ's Jon Clements: "How to Make Your Savings Outlive Yo

This link for the WSJ article may be easier to read and print.
by CABob
Sun Oct 19, 2014 12:48 pm
 
Forum: Investing - Theory, News & General
Topic: WSJ's Jon Clements: "How to Make Your Savings Outlive You"
Replies: 14
Views: 2713

Re: Why are 401k plans expensive? [Help with plan, portfolio

I suggest you look to see if the administrative charge is a fixed percentage of the amount you have in the plan rather than the amount of contributions. There should be some information either from your HR department or from Handcock as to fees for the plan. An often quoted "rule" is to co...
by CABob
Sat Oct 18, 2014 2:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why are 401k plans expensive? [Help with plan, portfolio]
Replies: 4
Views: 429

Re: What tax software do you use and why

I have used TaxCut, TaxAct, TurboTax, and a couple of others that are no longer available. For the past 4 years or so I have used TT primarily because I get the software at a good price even thought I really prefer TC and TA. My taxes are relatively easy and any of the applications will produce sati...
by CABob
Sat Oct 18, 2014 1:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: What tax software do you use and why
Replies: 54
Views: 2360

Re: Got my first cold call - does this mean I've 'made it?'

I doubt that it means you have "made it". I started receiving these call long before I considered myself to be in the "made it" category. A lot of these are doing their advance work at employees who will eventually cash out 401k plans and lump sum pensions and hope to get some of...
by CABob
Thu Oct 16, 2014 7:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Got my first cold call - does this mean I've 'made it?'
Replies: 26
Views: 4784

Re: Why are 401k plans expensive?

Incompetence. :?: On whose part :?: I think that perhaps because too many people are trying to make a buck or spend as few bucks as possible. The employer wants to provide this as a benefit to employees but wants to spend as little as possible. The plan administrator wants to make a profit and eith...
by CABob
Thu Oct 16, 2014 7:49 pm
 
Forum: Investing - Theory, News & General
Topic: Why are 401k plans expensive?
Replies: 39
Views: 2957

Re: What happens when there is no estate planning: reference

they have no will and no plan - questions are answered "you can figure it out when were gone....". I think you need to stress to them that after they are gone you will not be able to figure it out. It will be in the hands of the state. It sounds like you have been looking into your state'...
by CABob
Mon Oct 13, 2014 5:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: What happens when there is no estate planning: reference?
Replies: 18
Views: 1151

Re: New to investing - Is this a good idea?

Investing in a total stock market fund is a reasonable choice, but, I would point out that since you already have the TR2050 fund in an IRA adding the TSM in a taxable account would throw off the 90/10 allocation you indicate is what is desired. You might want to consider changing to an earlier date...
by CABob
Mon Oct 13, 2014 2:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to investing - Is this a good idea?
Replies: 6
Views: 852

Re: What happens when there is no estate planning: reference

I would suggest the book Beyond the Grave by Condon. I last read the original edition many years ago and as I recall most of it had to do with the poor things you could do with wills and trusts and not what happens when there is no will, but, you might find the book informative and provide some &quo...
by CABob
Mon Oct 13, 2014 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: What happens when there is no estate planning: reference?
Replies: 18
Views: 1151

Re: Are Savings Bonds Considered Cash?

Thank you! My big question is whether to count these are bonds or cash. Are they considered part of the investment portfolio or should I consider more as part of the emergency fund? I don't really have anything identified as an emergency fund or perhaps my entire portfolio is my emergency fund so I...
by CABob
Sun Oct 12, 2014 5:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are Savings Bonds Considered Cash?
Replies: 16
Views: 977

Re: Vanguard Target Retirement Funds for Roth IRA

Both the TR and LS funds include the total stock market fund. This fund has market weights of small and mid cap stocks so you would have representation in the smaller companies. Some would argue that one should have an even higher exposure to smaller stocks which increase you expected return, but, a...
by CABob
Sun Oct 12, 2014 2:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement Funds for Roth IRA
Replies: 3
Views: 390

Re: Investing Advice [NYT article on "buying" investment adv

Interesting article. There are some specific situations when brokers must act as fiduciaries — for example, when they collect a percentage of total assets to manage an investment account, or when they are given full control of an investor’s account. But under current rules, a broker can take off his...
by CABob
Sun Oct 12, 2014 2:00 pm
 
Forum: Investing - Theory, News & General
Topic: Investing Advice [NYT article on "buying" investment advice]
Replies: 9
Views: 949

Re: Wine - how to keep it from not spoiling?

How about the Air Cork.
Storing a red wine for a week after opening is pushing it IMO.
by CABob
Fri Oct 10, 2014 2:56 pm
 
Forum: Personal Consumer Issues
Topic: Wine - how to keep it from not spoiling?
Replies: 57
Views: 2809

Re: Roth IRA:Which custodian to pick?

I'm not sure why anyone would recommend Scottrade or even use them. They seem to offer absolutely no advantages over anybody. If someone wanted to invest in individual stocks or ETFs from several sources Scottrade is a reasonable choice. They may not have an advantage over others, but they may be j...
by CABob
Thu Oct 09, 2014 10:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA:Which custodian to pick?
Replies: 13
Views: 852

Re: Roth IRA:Which custodian to pick?

Any advice or shed some light on why CFP wouldn't be recommending Vanguard?? Since Vanguard does not have loads or 12b1 fees on their funds and their expenses are quite low they don't have any extra money to share with advisors who sell their products. I would suggest you determine what investments...
by CABob
Thu Oct 09, 2014 1:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA:Which custodian to pick?
Replies: 13
Views: 852

Re: Why Wouldn't You Tilt To Small Value?

Tilt? Yes I guess I do since I hold the SCV fund at about 10% of equities (and also a similar holding in a REIT fund).
But to be honest I have been thinking recently that these tilts may not be appropriate for me and I may get rid of them.
by CABob
Wed Oct 08, 2014 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: Why Wouldn't You Tilt To Small Value?
Replies: 52
Views: 2902

Re: Is it normal to lose $$$?

Depending on what you were invested in prior to the conversion and your allocations it is quite likely that your prior portfolio would have also lost money over the same period.
by CABob
Sun Oct 05, 2014 11:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it normal to lose $$$?
Replies: 26
Views: 3984

Re: Approximate The Three-Fund Portfolio!

fposte wrote:Vanguard treats the overall U.S. market as 64% large, 28% mid, and 8% small cap in its benchmarks.

And I believe M* has it currently at about 73/18/9.
by CABob
Sun Oct 05, 2014 12:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Approximate The Three-Fund Portfolio!
Replies: 10
Views: 823

Re: Approximate The Three-Fund Portfolio!

At a glance, looks pretty close, although IIRC the mid-cap portion of the US stock market is larger than the small cap portion. You might want to check that to see whether it makes any difference to you. Looks like a great investment portfolio. Congratulations. Actually, the midacp is smaller at 4%...
by CABob
Sun Oct 05, 2014 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Approximate The Three-Fund Portfolio!
Replies: 10
Views: 823

Re: Motley fool?

Yes, they are legit and have been around for many years. I have been following them almost since their beginnings on America On Line accessing their site with a 2400 baud dial-up modem (if that doesn't age me I don't know what will). They have gone through several iterations from free to paid to a c...
by CABob
Fri Oct 03, 2014 3:12 pm
 
Forum: Investing - Theory, News & General
Topic: Motley fool?
Replies: 16
Views: 1882

Re: Three fund allocation per Vanguard Flagship CFP?

Taylor -- Wake up! I think perhaps Taylor is out sailing. :beer But, if he were here he might point out a very lengthy conversation regarding the 3-fund portfolio at http://www.bogleheads.org/forum/viewtopic.php?f=10&t=88005 which is one of several portfolios described as lazy http://www.bogleh...
by CABob
Fri Oct 03, 2014 2:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Three fund allocation per Vanguard Flagship CFP?
Replies: 45
Views: 4649

Re: ETF or mutual fund

I can't think of a reason that would lead one to an advantage of having a mixture of funds and ETFs. Generally one chooses one or the other, however, circumstances might make a mixture practical. For example, I have a mutual fund account with Vanguard. I also have a brokerage account with another in...
by CABob
Fri Oct 03, 2014 1:53 pm
 
Forum: Investing - Theory, News & General
Topic: ETF or mutual fund
Replies: 6
Views: 602

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: 816

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: 877

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: 625

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: 625

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: 816

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: 891

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: 1055

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: 5281

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: 1419

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: 4529

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: 2431

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: 2431

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: 39
Views: 3073

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: 39
Views: 3073

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: 1981

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: 1991

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: 2846

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: 582

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: 582

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: 582

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: 582

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: 56
Views: 4505

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: 1309
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