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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: 34
Views: 1408

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: 39
Views: 2458

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: 36
Views: 2795

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: 54
Views: 5531

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: 887

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: 1818

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: 1818

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: 1164

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: 468

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: 39193

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: 33
Views: 2776

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: 2791

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: 2791

Re: Timing for taking RMDs

Like most aspects of investing, the best timing for taking RMDs is complicated. Assuming the money is not needed immediately but will be needed after a year, the options are: 1. Take all out at start of year. Put in same fund as the RMD was taken from. This might force one into tax inefficient hold...
by CABob
Sat Mar 21, 2015 10:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Timing for taking RMDs
Replies: 18
Views: 1674

Re: Hearse as daily driver?

I voted no which would be my current thoughts. The 20,000 "gentle" miles may not be the best miles for the engine. But when I was a young adult a friend of mine had an old Pontiac hearse used as a camper. I recall a lot of fun camping and skiing trips with it. And it did get a lot of stare...
by CABob
Fri Mar 20, 2015 11:28 pm
 
Forum: Personal Consumer Issues
Topic: Hearse as daily driver?
Replies: 58
Views: 3689

Re: Current Credit Union is offering Free AD&D Insurance...

My credit union and some of my credit cards occasionally offer the "free" $1K of insurance along with asking whether I want additional coverage either initially or every few months. I have on occasion taken the free insurance thinking why not. I suspect however that when I take my dirt nap...
by CABob
Wed Mar 18, 2015 3:13 pm
 
Forum: Personal Consumer Issues
Topic: Current Credit Union is offering Free AD&D Insurance...
Replies: 4
Views: 415

Re: Credit Report Very Low For No Reason? Fixing it?

I checked just now on Experian, and it reported a bill in collection from a City bill for a $78 rental tax, which had gone to a previous address and had gotten returned to the City. I'm curious, was this item clearly shown on the Experian report so you could easily determine what it was? I'm wonder...
by CABob
Tue Mar 17, 2015 3:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Credit Report Very Low For No Reason? Fixing it?
Replies: 56
Views: 2886

Re: Credit Report Very Low For No Reason? Fixing it?

Sublime8700 wrote:Anyone want to hazard a guess at where I'll be in 60 days presuming it stays this way?

I'll guess a 50 point increase. Come back in 2 months to let us know.
But, I still think there is something on your credit reports that you are not recognizing as a negative that has brought your score down.
by CABob
Tue Mar 17, 2015 9:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Credit Report Very Low For No Reason? Fixing it?
Replies: 56
Views: 2886

Re: 60 Minutes, Dead or Alive

I saw the TV program and also read something about the problem recently. It seems that there are two issues and I'm not sure which is the worst. First there is the 6.5 million folks age 112 or more many of whom are receiving SS benefits. Obviously, since it estimated that there are only a handful of...
by CABob
Mon Mar 16, 2015 4:05 pm
 
Forum: Personal Consumer Issues
Topic: 60 Minutes, Dead or Alive
Replies: 15
Views: 3360

Re: Laptop Purchase at Costco?

IMO Costco does not have a large selection, but, what they do have is a good value for the money.
by CABob
Mon Mar 16, 2015 11:30 am
 
Forum: Personal Consumer Issues
Topic: Laptop Purchase at Costco?
Replies: 13
Views: 1733

Re: [Help with starting a] Three Fund Portfolio

If I go with a LifeStrategy Fund for now, is it possible to switch that over to three separate funds in the future to allow for a slight more control of the asset allocation? You certainly can, but, you should be aware that if held in a taxable account the switch would be a taxable event. In a tax ...
by CABob
Sun Mar 15, 2015 6:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Help with starting a] Three Fund Portfolio
Replies: 20
Views: 2055

Re: "Vanguard Diehards Never Say Die"

Taylor Larimore wrote:Morningstar opened their Vanguard Diehard Forum in March 1998.
Taylor

And a quick look at the M* forums looks like the Diehards Forum is still way ahead of all the others in terms of post count.
Even though many such as I don't visit there often.
by CABob
Fri Mar 13, 2015 8:23 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Vanguard Diehards Alumni
Replies: 23
Views: 1217

Re: Vanguard Diehards Alumni

My history goes back to the M* Diehard days. I don't know when it was, but, I think it was in 2002 or 2003. I retired in 2002, took a lump sum distribution and opened an IRA at Vanguard. This was not my first VG investment but it was much larger than prior taxable accounts. I recall Taylor and other...
by CABob
Fri Mar 13, 2015 5:40 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Vanguard Diehards Alumni
Replies: 23
Views: 1217

Re: Any free tax software or calculator?

How about http://www.irs.gov/uac/Free-File:-Do-Yo ... s-for-Free
or http://www.irs.gov/Individuals/Free-Tax ... Volunteers
I think that some of the tax prep software companies may have free versions. Check TurboTax, TaxAct or H&R Block.
by CABob
Thu Mar 12, 2015 10:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any free tax software or calculator?
Replies: 5
Views: 443

Re: Ink Cartridges dry up on seldom used printer, any ideas?

I have never had the problem except in a Epson Photo Printer that seldom gets used. I suggest that you make a point to use the nozzle cleaning maintenance procedure every couple of months to see if that takes care of the problem. I also like the suggestion of others to get an inexpensive laser print...
by CABob
Thu Mar 12, 2015 2:21 pm
 
Forum: Personal Consumer Issues
Topic: Ink Cartridges dry up on seldom used printer, any ideas?
Replies: 32
Views: 1718

Re: Do bogleheads invest in a retirement home?

Do you want to be a landlord especially an absentee landlord. That has never appealed to me, but, I know others feel differently. I don't think you should proceed with that plan under the assumption that it is your retirement home. There are just too many things that can change in the 20-30 years un...
by CABob
Thu Mar 12, 2015 12:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do bogleheads invest in a retirement home?
Replies: 19
Views: 2509

Re: Is this identity theft or just random fraud?

Have you noticed your 3-year old hanging around the computer a lot and does he seem to have more money than he should?
:moneybag :moneybag
by CABob
Mon Mar 09, 2015 10:30 pm
 
Forum: Personal Consumer Issues
Topic: Is this identity theft or just random fraud?
Replies: 16
Views: 1812

Re: If you could send an investment message 10 years in the

ShiftF5 wrote:
CABob wrote:Dear Self,
Here is a Callan Periodic Table that you may find useful.

I'll go with that.

A quick envelope back calculation indicates that $100,000 in 2005 would become about $1.2MM in 2014 by investing in the top performing asset class each year.
by CABob
Mon Mar 09, 2015 10:21 pm
 
Forum: Investing - Theory, News & General
Topic: If you could send an investment message 10 years in the past
Replies: 62
Views: 4274

Re: Retires: How much do you rely on investment income?

Some retirees had been employed by companies that had a pension plan as a employee benefit. And some of those plans allowed either a lump sum distribution into an IRA at the time of retirement or annuity payments. Which choice was taken would affect the response to this poll significantly.
by CABob
Mon Mar 09, 2015 9:42 pm
 
Forum: Investing - Theory, News & General
Topic: Retirees: How much do you rely on investment income?
Replies: 31
Views: 4078

Re: Is my employers contribution counted in my limit

No, the employer's contributions are not included in that limit. There is a limit to the total employee and employer contribution but it is something like $54K. And if I am wrong, someone will be by to correct it. :?
by CABob
Mon Mar 09, 2015 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Is my employers contribution counted in my limit
Replies: 7
Views: 609

Re: Replacing [Oil] Filters: Time vs. Usage

selftalk wrote:Have you noticed that when JIFFY LUBE went into business they recommended changing the oil every 3,000 miles. Does that tell you something? What a rip off!

When Jiffy Lube went into business probably most car manufacturers recommended oil change and lube at 3000 miles.
by CABob
Sun Mar 08, 2015 2:02 pm
 
Forum: Personal Consumer Issues
Topic: Replacing [Oil] Filters: Time vs. Usage
Replies: 41
Views: 2778

Re: I hate the new Vanguard Web navigation!!!

It seems to me that I have initially disliked almost all website changes that VG has made over the past 10 years or so. Eventually, I got used to it and is seemed OK. This latest change seems to be following the previous pattern. :annoyed
by CABob
Sun Mar 08, 2015 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: I hate the new Vanguard Web navigation!!!
Replies: 47
Views: 4538

Re: When you put some credit cards in a drawer and not use t

Using them once a year is probably a good idea, but, you might also look at the expiration date and be sure you use it as you approach the expiration. Rather than closing the account I think that some card holders are just not sent a replacement card if the account has not been used for a period of ...
by CABob
Sun Mar 08, 2015 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: When you put some credit cards in a drawer and not use them
Replies: 17
Views: 1869

Re: Leaving MorganStanley

I'm amenable to selling all the taxable assets and transferring out the cash if necessary. You should check to see what you cost will be for different options but it is likely that it would be cheaper to transfer "in-kind" to Vanguard so that even if you choose to sell them you will be ab...
by CABob
Sun Mar 08, 2015 12:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Leaving MorganStanley
Replies: 12
Views: 1415

Re: Vanguard Total Stock Market Index Fund (VTSAX)

In your opinion, isn't VTSAX too highly weighted in large cap (approximately 75%) with very little in small cap (less than 10%)? The 75/25 is what it is the total stock market. Holding it will give you market returns less expenses. If you choose to hold some different large/small holding or some ot...
by CABob
Sun Mar 08, 2015 11:57 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Total Stock Market Index Fund (VTSAX)
Replies: 11
Views: 2588

Re: How is Your Pension Counted when Calculating Net Worth.

I guess that I don't calculate or track net worth. I track invested assets for purposes of asset allocation, performance, and such things. My "assets" record is essentially my net worth except for property that is not included such as home, vehicles, personal property, etc. A pension would...
by CABob
Sun Mar 08, 2015 10:44 am
 
Forum: Personal Finance (Not Investing)
Topic: How is Your Pension Counted when Calculating Net Worth.
Replies: 40
Views: 2860

Re: Replacing [Oil] Filters: Time vs. Usage

Check your owners manual to see what they recommend, but, the chances are they don't really address a very low mileage car. I have a vehicle in that category and I generally have gotten an oil/filter change about once a year. The vehicle generally has less than 3000 miles on it at that time. Going o...
by CABob
Fri Mar 06, 2015 8:43 pm
 
Forum: Personal Consumer Issues
Topic: Replacing [Oil] Filters: Time vs. Usage
Replies: 41
Views: 2778

Re: Black Hills SD, where to stay?

better check on the dates for the Sturgis motorcycle rally because everywhere will be sold out...

The bike rally will be August 3-9, 2015
by CABob
Thu Mar 05, 2015 11:59 am
 
Forum: Personal Consumer Issues
Topic: Black Hills SD, where to stay?
Replies: 17
Views: 1261

Re: storm door replacement

We had one similar to this bought and installed by Lowes several years ago. I don't recall the installation cost but it was a whole lot less than $1500. We are very satisfied with it. Thanks. Maybe I need to change my mind about the style of door, and just go for one with good reviews. I should per...
by CABob
Wed Mar 04, 2015 6:17 pm
 
Forum: Personal Consumer Issues
Topic: storm door replacement
Replies: 18
Views: 1198

Re: storm door replacement

We had one similar to this bought and installed by Lowes several years ago. I don't recall the installation cost but it was a whole lot less than $1500. We are very satisfied with it.
by CABob
Wed Mar 04, 2015 4:12 pm
 
Forum: Personal Consumer Issues
Topic: storm door replacement
Replies: 18
Views: 1198

Re: Questions to ask a living trust attorney during initial

Yes. The process is called "funding the trust" - i.e. either changing the title owner or beneficiary to the trust. Until that happens, the trust is practically useless. The "pourover will" covers the non-funded assets, such as your car or an account where you did not fund to the...
by CABob
Tue Mar 03, 2015 4:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Questions to ask a living trust attorney during initial meet
Replies: 26
Views: 2153

Re: new car battery

After my last oil change, the dealer rep told me that my car battery is running low, whatever that means. I hardly drive 5K a year ans this is 2011 altima. Exactly what were you told? The battery may be low on its charge or it may not be capable of completely charging. If you don't often drive for ...
by CABob
Tue Mar 03, 2015 3:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: new car battery
Replies: 45
Views: 2766

Re: Picking a listing agent

Drive through the neighborhood looking for realtor signs to get an idea of who seems to do a lot of business in the area. Similarly, look in the local newspaper or real estate throw-away. Also check to see if the MLS for the area has a public presence on the internet.
by CABob
Mon Mar 02, 2015 1:09 pm
 
Forum: Personal Consumer Issues
Topic: Picking a listing agent
Replies: 16
Views: 1069

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

What is a good Citi card to sign up for to use at Costco and other places? The Citi Double Cash is great but I think that card is avaiable as a MC. To be sure that a card can be used at Costco I guess that you would have to wait until Costco comes up with information regarding their co-branded Citi...
by CABob
Mon Mar 02, 2015 12:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Costco/AmEx relationship ending. New Costco MasterCard?
Replies: 85
Views: 39193

Re: How are REITs categorized in equity sector diversificati

I think that Vanguard and some other services include real estate under financials.
by CABob
Sun Mar 01, 2015 2:05 pm
 
Forum: Investing - Theory, News & General
Topic: How are REITs categorized in equity sector diversification?
Replies: 7
Views: 526

Re: where to go shop and buy refrigerator

Sears is pretty good especially if they are running a sale of some kind. The last refer we bought and other recent appliance purchases have been at Sears with their Kenmore brand, but they also have a good selection of appliances from other manufacturers.
by CABob
Sun Mar 01, 2015 12:25 pm
 
Forum: Personal Consumer Issues
Topic: where to go shop and buy refrigerator
Replies: 10
Views: 618
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