Search found 4084 matches

by CABob
Tue Dec 06, 2016 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: want to buy property, abandoned trailer on it
Replies: 36
Views: 1932

Re: want to buy property, abandoned trailer on it

Is or has the trailer ever been licensed? If there is an indication that it has I would think one should clear it through the Motor Vehicles Dept. Do trailers have VIN's?
by CABob
Sun Dec 04, 2016 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Do You Consider Dividends As Income?
Replies: 65
Views: 3855

Re: Do You Consider Dividends As Income?

Have to admit I don't think of "income" except as it relates to taxes. If someone asked me what our "income" was I'd have to say I don't know. I don't keep track of things like interest and dividends in IRAs because it just doesn't matter. I could probably guess but if someone w...
by CABob
Sat Dec 03, 2016 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Do You Consider Dividends As Income?
Replies: 65
Views: 3855

Re: Do You Consider Dividends As Income?

Although I shouldn't really distinguish, I guess in my mind it depends on what account the dividends are in. If it is a taxable account then yes considering that I have a choice of reinventing or taking them as cash. If in a tax deferred account I think not since they will stay in the IRA or whereve...
by CABob
Sat Dec 03, 2016 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with extra money once I've invested in stock funds?
Replies: 2
Views: 360

Re: What to do with extra money once I've invested in stock funds?

You will get a more meaningful and useful response if you frame your question as suggested this link. viewtopic.php?f=1&t=6212
by CABob
Wed Nov 30, 2016 5:41 pm
Forum: Personal Consumer Issues
Topic: Reasonably cheap reading glasses with different strengths?
Replies: 18
Views: 1205

Re: Reasonably cheap reading glasses with different strengths?

Do you know what power lenses you need for each eye? How about getting some drug store readers to fit one eye then adding a stick on bifolcal for the other eye. https://www.amazon.com/Optx-20-Stick-Bifocals-200/dp/B000W7HQCQ Actually, I think you should probably get your prescription from an opticia...
by CABob
Wed Nov 30, 2016 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: When to use a trust vs a will?
Replies: 8
Views: 849

Re: When to use a trust vs a will?

Everyone (?) should have a will. Some will be better served if they also have a trust depending upon their state residence, estate size, and beneficiary considerations. The advice of a good estate lawyer is very beneficial. I would also suggest that they do some reading to get some ideas. I suggest ...
by CABob
Tue Nov 29, 2016 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement distribution
Replies: 7
Views: 877

Re: Retirement distribution

use dividends/interest from tax deferred account

Just to make sure, anything taken from a tax deferred account will be subject to income tax at ordinary income rates even though you consider it to be dividends.
by CABob
Sun Nov 27, 2016 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Why does the car dealer say leasing is cheaper than buying?
Replies: 72
Views: 6642

Re: Why does the car dealer say leasing is cheaper than buying?

Depending on how your state and locality apply sales tax there might be a tax advantage to leasing.
by CABob
Thu Nov 24, 2016 9:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: A Thanksgiving to Remember
Replies: 12
Views: 2067

Re: A Thanksgiving to Remember

Thanks for posting, Mel.
Although I have read it before I still find it interesting and a bit heartwarming about the early days of the Diehards/Bogleheads.
by CABob
Wed Nov 23, 2016 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Which Credit card for a large one-time expense?
Replies: 50
Views: 4452

Re: Which Credit card for a large one-time expense?

jrbdmb wrote:
CABob wrote:If not I would suggest the Citi Double Cash card.


And why is that?

Because of the 2% rebate on everything. There may be others but that is the one that came to mind that I am familiar with.
by CABob
Wed Nov 23, 2016 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Which Credit card for a large one-time expense?
Replies: 50
Views: 4452

Re: Which Credit card for a large one-time expense?

Does the purchase fit into one of the 5 % quarterly specials that Chase Freedom and Discover (and others?) have? If not I would suggest the Citi Double Cash card. I recall that a few years ago I was about to make a large purchase and asked to have my credit limit on my Costco/AMEX card raised so I c...
by CABob
Sun Nov 20, 2016 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: What happens to social security benefits on death of spouse?
Replies: 9
Views: 1590

Re: What happens to social security benefits on death of spouse?

I believe that your mother will get the larger of her or your fathers benefits, but not both. I think the 50% thing has to do with dependent children. The best thing to do is to talk to your local SS office. I have found them to be very helpful and this should be a very easy question to answer. http...
by CABob
Sun Nov 20, 2016 10:44 pm
Forum: Personal Consumer Issues
Topic: Microwave alternatives?
Replies: 5
Views: 666

Re: Microwave alternatives?

For freeing up counter space, how about a microwave (or convection oven combo) that is also an over the range hood?
by CABob
Sun Nov 20, 2016 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Renting in L.A. - good school district
Replies: 16
Views: 1171

Re: Renting in L.A. - good school district

Looks like Palos Verdes or Manhattan Beach would be your best bet, although probably anywhere in the South Bay would meet your criteria (good schools, easy access to LAX). Finding a place for $2,000 - $2,500 will take some luck, but it can be done. https://k12.niche.com/rankings/public-elementary-s...
by CABob
Sat Nov 19, 2016 1:50 pm
Forum: Personal Consumer Issues
Topic: Cab driver turned down a tip??
Replies: 19
Views: 3495

Re: Cab driver turned down a tip??

What was the name of the cab company?
Perhaps you were on candid camera. :confused
by CABob
Fri Nov 18, 2016 3:44 pm
Forum: Investing - Theory, News & General
Topic: Alert system for rebalancing?
Replies: 3
Views: 467

Re: Alert system for rebalancing?

I suggest you check your portfolio every year on your birthday or New Year to see if your allocations are within your desired range. Once a year is probably frequent enough to catch any significant changes and you are likely to remember your birthday or other significant day. Personally I enter my a...
by CABob
Fri Nov 18, 2016 2:58 pm
Forum: Personal Consumer Issues
Topic: Where to buy a Vanguard hat?
Replies: 44
Views: 4394

Re: Where to buy a Vanguard hat?

It would seem that if Vanguard is trying to sell hats (and other merch) at a conference, then why wouldn't they sell to others who want to buy but simply can't attend a conference? If cost is the issue (there was no shipping and handling charged when I originally bought the hat) I'd gladly pay a li...
by CABob
Wed Nov 16, 2016 11:00 pm
Forum: Personal Consumer Issues
Topic: Where to buy a Vanguard hat?
Replies: 44
Views: 4394

Re: Where to buy a Vanguard hat?

I got a cap from them at the time and found it useful when visiting a bank that would like me to invest with them. :twisted: Would love to hear how the hat helped you at the bank. I was in the bank opening a savings account and as I was waiting for the bank rep to finish the paperwork he suggested ...
by CABob
Wed Nov 16, 2016 7:30 pm
Forum: Personal Consumer Issues
Topic: Where to buy a Vanguard hat?
Replies: 44
Views: 4394

Re: Where to buy a Vanguard hat?

There is another thread started some time ago and apparently the store doesn't exist or at least the link that was used is no longer valid. I got a cap from them at the time and found it useful when visiting a bank that would like me to invest with them. :twisted: Has anyone thought to contact Vangu...
by CABob
Tue Nov 15, 2016 4:15 pm
Forum: Investing - Theory, News & General
Topic: Trying to find a group of portfolios
Replies: 4
Views: 529

Re: Trying to find a group of portfolios

Perhaps you are thinking of Madsinger's regular reports. See https://www.bogleheads.org/wiki/Madsing ... ly_reports
by CABob
Tue Nov 15, 2016 12:16 am
Forum: Investing - Help with Personal Investments
Topic: Stock purchase plan ??
Replies: 8
Views: 799

Re: Stock purchase plan ??

My thanks to all for your responses. ...I would follow the suggestions at https://www.bogleheads.org/wiki/Prioritizing_investments You bring up a good point: ESPPs are not explicitly included in that list. I think I would be inclined to put the ESPP somewhere between 4 and 6 on the wiki list. A Goog...
by CABob
Sun Nov 13, 2016 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Stock purchase plan ??
Replies: 8
Views: 799

Stock purchase plan ??

My daughter will soon be eligible to participate in her employer's stock purchase plan and she has asked my opinion about whether she should participate. I haven’t seen the details yet but understand she will be able to buy at a 15% discount and the shares are vested immediately. Her employer is a l...
by CABob
Thu Nov 10, 2016 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help selecting funds for my 401k - 3 fund portfolio
Replies: 13
Views: 839

Re: Picking a self directed brokerage account for my 401k

If you have been ignoring your 401k plan why do you think that using a brokerage will be different? What are the additional costs associate with the brokerage. Those costs can make that choice less attractive. Can you make a reasonable approximation of the 3-fund portfolio using the choices in your ...
by CABob
Wed Nov 09, 2016 11:48 pm
Forum: Personal Consumer Issues
Topic: Insurance company watching your mileage?
Replies: 28
Views: 2153

Re: Insurance company watching your mileage?

For the past several years I have received a form from my insurance company asking me for my current odometer reading and my estimate of the expected miles for the next year.
by CABob
Wed Nov 09, 2016 7:30 pm
Forum: Investing - Theory, News & General
Topic: Four-Fund Portfolio?
Replies: 23
Views: 3303

Re: Four-Fund Portfolio?

That group of funds look like the Target Retirement or Life Strategy funds. What's to not like?
by CABob
Wed Nov 09, 2016 12:28 am
Forum: Investing - Help with Personal Investments
Topic: Is VTI the same as VTSAX ?
Replies: 5
Views: 684

Re: Is VTI the same as VTSAX ?

This fund also has an investor share class of VTSMX and an institutional class of VITPX.
by CABob
Tue Nov 08, 2016 11:37 am
Forum: Investing - Theory, News & General
Topic: Why don't we have another Vanguard?
Replies: 17
Views: 2470

Re: Why don't we have another Vanguard?

Short answer...it's not profitable. +1 Most businesses are started because some one, group, or family thinks they can do so for a sizable gain in their investment and labor at some point in the future. The structure of Vanguard is such that the profit from the future sucess does not go to the "...
by CABob
Sun Nov 06, 2016 3:59 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1632
Views: 862843

Re: The Three-Fund Portfolio

Fieldsy1024 wrote:Tired of experimenting, sticking with this 3 fund. 75% Stock, 15% Bond, 15% Int'l Stock

105% ought to do well.
:twisted:
by CABob
Sun Nov 06, 2016 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Is it possible to have more than one taxable account at Vanguard?
Replies: 5
Views: 668

Re: Is it possible to have more than one taxable account at Vanguard?

I'm sure you would be allowed to do that. You would need to designate them in some way to distinguish them. Think carefully however since having two taxable accounts might cause some problems with reallocating and rebalancing. I think that many would recommend a single account.
by CABob
Sat Nov 05, 2016 10:01 pm
Forum: Personal Consumer Issues
Topic: Honey
Replies: 27
Views: 3012

Re: Honey

If there is honey produced locally or regionally available at a farmer's market or elsewhere, that is another good option. +1 especially if the seller is also the producer. They often will have samples and will answer questions. But, I wouldn't rule out the thought that your taste may have changed ...
by CABob
Thu Nov 03, 2016 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Help! This is my new 401k plan. Worth transferring old 401k into it?
Replies: 11
Views: 815

Re: Help! This is my new 401k plan. Worth transferring old 401k into it?

I suggest you transfer the old 401k to an IRA. Your expenses are high for Vanguard funds to it probably means that you administrator is getting part of the expense ratio. Expenses in the new 401k are also a bit high so would not suggest you transfer into it. An account with Vanguard for a 3-fund por...
by CABob
Thu Nov 03, 2016 2:40 pm
Forum: Investing - Theory, News & General
Topic: Does it matter if I hold a balanced fund in taxable during withdrawal phase?
Replies: 11
Views: 981

Re: Does it matter if I hold a balanced fund in taxable during withdrawal phase?

Others might disagree but I think there is little harm in having bonds in a taxable account during withdrawal phase. The bond dividends will be taxed as ordinary income but so will all distributions from a traditional IRA. Sales of a fund in a taxable account will be subject to capital gains tax.
by CABob
Wed Nov 02, 2016 11:10 pm
Forum: Personal Consumer Issues
Topic: What's the easiest/cheapest way to get a second phone number?
Replies: 34
Views: 1799

Re: What's the easiest/cheapest way to get a second phone number?

Magic Jack used to be popular but haven't heard much about them recently.
by CABob
Wed Nov 02, 2016 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Fee-Only Financial Advisor
Replies: 11
Views: 829

Re: Fee-Only Financial Advisor

What is she expecting or what does she need the advisor for?
by CABob
Sun Oct 30, 2016 11:19 am
Forum: Investing - Help with Personal Investments
Topic: How to make a 3 Fund portfolio across my 2 accounts?
Replies: 19
Views: 1914

Re: How to make a 3 Fund portfolio across my 2 accounts?

So it doesn't matter if I have two of the same funds in my portfolio? Is there a disadvantage to this ? Example : tsm in taxable and tsm in Roth ?

It can be desirable to have the same funds in more than one account to facilitate rebalancing (adjusting asset allocations).
by CABob
Fri Oct 28, 2016 6:11 pm
Forum: Investing - Theory, News & General
Topic: A new tilt to consider - ALL CAPS
Replies: 35
Views: 3208

Re: A new tilt to consider - ALL CAPS

How did International Business Machine do when they changed their name? How about National Cash Register?
by CABob
Fri Oct 28, 2016 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: How to make a 3 Fund portfolio across my 2 accounts?
Replies: 19
Views: 1914

Re: How to make a 3 Fund portfolio across my 2 accounts?

So maybe this belongs in a totally separate post, but I'm curious. What is the reasoning behind having some of your money in a taxable account vs having the rest in the Roth? I guess I think of having the taxable account for "casual investment" money, and then keep any retirement money in...
by CABob
Fri Oct 28, 2016 2:57 pm
Forum: Forum Issues and Administration
Topic: Wiki Home Page [The wiki as this site's home page]
Replies: 29
Views: 1829

Re: Wiki Home Page

Our Canadian confreres arrived at the following solution for the Financial Wisdom Forum: Financial Wisdom Forum – Where investors meet for financial education and empowerment . I kind of like this idea. One of my problems with https://www.bogleheads.org/wiki/Main_Page as the home page is that it is...
by CABob
Thu Oct 27, 2016 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a good asset allocation for a 25 year old?
Replies: 15
Views: 735

Re: Is this a good asset allocation for a 25 year old?

What is in your Roth and how is it invested? I suggest that to the extent possible within the constraints of your desired asset allocation you invest your Roth in bonds such as the total bond market index fund. Then you can invest your taxable account in stocks using the total stock market index fun...
by CABob
Thu Oct 27, 2016 2:48 pm
Forum: Forum Issues and Administration
Topic: Wiki Home Page [The wiki as this site's home page]
Replies: 29
Views: 1829

Re: Wiki Home Page

Difficult question to answer. It depends on what the person is looking for. The first link it the one I go to if I want to post or review posts. It is the one I consider to be the home page. It is reasonable to think that a new visitor to the forum would be interested in this main page if they wante...
by CABob
Sun Oct 23, 2016 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation of credit card rewards (cash back and signup bonuses)
Replies: 7
Views: 1136

Re: Taxation of credit card rewards (cash back and signup bonuses)

My understanding is that cash back from purchases are not taxable. They basically lower the cost of the product purchased. A bonus or reward for opening or transferring an account is income and is reported on a 1099. If I am incorrect or there are exceptions I look forward to the correction by other...
by CABob
Sun Oct 23, 2016 11:19 am
Forum: Investing - Theory, News & General
Topic: The Motley Fool vs. Jason Zweig
Replies: 18
Views: 3477

Re: The Motley Fool vs. Jason Zweig

I also have been a fan of the Motley Fool for many years going back to their AOL days accessed with a 2400 baud dial up modem. Their investing basics write-up used to have a section on index investing with the comment that for many investors they could stop there and not venture into the later chapt...
by CABob
Sat Oct 22, 2016 7:03 pm
Forum: Personal Consumer Issues
Topic: 75th anniversary of Pearl Harbor attack
Replies: 16
Views: 1738

Re: 75th anniversary of Pearl Harbor attack

It's new and I haven't read it so can't recommend it but you might consider Killing the Rising Sun by Bill O'Reilly.
by CABob
Fri Oct 21, 2016 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: How to make a 3 Fund portfolio across my 2 accounts?
Replies: 19
Views: 1914

Re: How to make a 3 Fund portfolio across my 2 accounts?

I suggest you continue with what you have for the time being. When the Roth gets a bit larger (maybe about $10K or so) then you might split that account into the total bond and total international stock funds split into an allocation that approximates your desired allocation. At some point in time i...
by CABob
Wed Oct 19, 2016 6:31 pm
Forum: Investing - Theory, News & General
Topic: [WSJ - What Does Nevada’s $35 Billion Fund Manager Do All Day? Nothing]
Replies: 35
Views: 2686

[WSJ - What Does Nevada’s $35 Billion Fund Manager Do All Day? Nothing]

[Thread merged into here, see below. --admin LadyGeek] http://www.wsj.com/articles/what-does-nevadas-35-billion-fund-manager-do-all-day-nothing-1476887420 An interesting WSJ article about Steve Edmundson, the investment chief for the Nevada Public Employees’ Retirement System who is out-earning pen...
by CABob
Tue Oct 18, 2016 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Buckets?
Replies: 12
Views: 1250

Re: Investment Buckets?

A lot of folks in retirement use bucket methods for withdraw strategies. I wouldn't call these investment buckets since the point is how to remove money from investments. I agree that the bucket approach points toward removing money, but equally important is how the portfolio that remains continues...
by CABob
Sun Oct 16, 2016 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Buckets?
Replies: 12
Views: 1250

Re: Investment Buckets?

I am trying to understand the concept of investment buckets, but can't seem to rap my head around it and what is. Is the investment bucket system more relevant during the accumulation phase or near and in retirement? I would be of the opinion that a bucket approach is probably best suited during th...
by CABob
Sun Oct 16, 2016 5:57 pm
Forum: Forum Issues and Administration
Topic: Bogleheads is back!!!
Replies: 83
Views: 8034

Re: Bogleheads is back!!!

dratkinson wrote:May I suggest the forum use a stickied "The forum is back!" topic to announce restorations... so everyone who subscribes will get the automated "new reply received" email.

This sounds like a good idea for any outage lasting over a number of hours. Admins? :?:
by CABob
Thu Oct 13, 2016 11:59 am
Forum: Personal Consumer Issues
Topic: Office File Validation computer issue
Replies: 4
Views: 524

Office File Validation computer issue

Can someone tell me in terms I might understand what Microsoft's office file validation is and how can I prevent it being a problem. I regularly send via email a MS Word document file to someone else for them to process. The document is mostly text and a few pictures usually from the internet. On a ...

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