Search found 4194 matches

by CABob
Mon Apr 24, 2017 3:21 pm
Forum: Personal Consumer Issues
Topic: Six pack for barbecue?
Replies: 77
Views: 4585

Re: Six pack for barbecue?

Loik098 wrote:I think the barbecue is over by now... :sharebeer

And they probably ran out of beer if all they had was the 6 (or 12) that the OP brought. :greedy :annoyed
But I really want a report back from the OP.
by CABob
Sun Apr 23, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Water Filters -- OEM or Generic?
Replies: 23
Views: 12981

Re: Refrigerator Water Filters -- OEM or Generic?

I have used both OEM and generic and have found no difference. If you are looking at other sources I have used Filters Fast and have been satisfied.
by CABob
Sun Apr 23, 2017 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: typical deductions for retirees
Replies: 27
Views: 2036

Re: typical deductions for retirees

A portion of your automobile license fee may be a form of property tax which would be deductible. Do you spend some time volunteering for a charitable organization? Your mileage to and from may be deductible. Under medical don't forget dentists and optometrists. I have been retired for a number of y...
by CABob
Sat Apr 22, 2017 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Tax sheltered accounts - tax efficiency vs. growth
Replies: 4
Views: 449

Re: Tax sheltered accounts - tax efficiency vs. growth

Perhaps you have misinterpreted "common advice". What I think you may have heard is that tax inefficient investments such as bonds and REITs should go into tax advantaged accounts. Very tax efficient investments such as broad based index fund should go into taxable accounts. Anything else ...
by CABob
Sat Apr 22, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: Six pack for barbecue?
Replies: 77
Views: 4585

Re: Six pack for barbecue?

(Some places will allow you to build your own six- or twelve packs-- since you don't seem to have a full knowledge of beers, you might ask a more knowledgeable clerk at a store to help build a good assortment. ) Good idea for trying different beers at home but I'm not so sure about at a party. Some...
by CABob
Sat Apr 22, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: Six pack for barbecue?
Replies: 77
Views: 4585

Re: Six pack for barbecue?

I've agreed to buy a six-pack of beer for a friend's BBQ tomorrow, but I am not sure what exactly this means. Those who know, could you please help me out with this: ⋅  Should I buy bottled or canned beer? Bottled with a possible exception if it is a pool party. And make sure it is well i...
by CABob
Sat Apr 22, 2017 11:23 am
Forum: Investing - Theory, News & General
Topic: Index investing question
Replies: 22
Views: 1509

Re: Index investing question

Don't forget that in addition to all of the active funds available there are a lot of individuals and institutions that own direct shares of equity stocks that are trying to buy low and sell high. I don't think it would take a large number of these stock holders to keep the index market generally ef...
by CABob
Tue Apr 18, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: How to make best use of lunch with the company president/CEO?
Replies: 55
Views: 4957

Re: How to make best use of lunch with the company president/CEO?

I would guess that the boss has a number of these throughout the year and quite likely has something in mind to initiate the conversation. Let him do it and take your cue from it to frame your questions. Of course, it you have a burning issue you want to discuss, go for it, you may not often have th...
by CABob
Mon Apr 17, 2017 11:12 pm
Forum: Personal Consumer Issues
Topic: Hearing aid 101
Replies: 78
Views: 6442

Re: Hearing aid 101

hearing loss because of not hearing clearly I believe that this is my problem and I haven't really found a satisfactory solution. I was out visiting friends recently who were showing me their new Amazon Echo. I had difficulty understanding Alexa even at a fairly high volume level. A few evenings pr...
by CABob
Mon Apr 17, 2017 8:10 pm
Forum: Personal Consumer Issues
Topic: Hearing aid 101
Replies: 78
Views: 6442

Re: Hearing aid 101

hearing loss because of not hearing clearly I believe that this is my problem and I haven't really found a satisfactory solution. I was out visiting friends recently who were showing me their new Amazon Echo. I had difficulty understanding Alexa even at a fairly high volume level. A few evenings pr...
by CABob
Mon Apr 17, 2017 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Closing my oldest credit card
Replies: 19
Views: 1951

Re: Closing my oldest credit card

Some thoughts -- Moving out of state and closing a bank account doesn't seem to me to be a reason to cancel a credit card. Closing the account will reduce your available credit and raise you usage percentage. Closing the oldest account is bound to affect your credit score to some extent either now o...
by CABob
Sun Apr 16, 2017 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Which funds should be in my taxable account? (401k and Roth IRA are in target funds)
Replies: 9
Views: 682

Re: Which funds should be in my taxable account? (401k and Roth IRA are in target funds)

What I consider the easy and tax efficient way would be to put only a total stock market fund in the taxable account. Generally bond and REIT funds should not be in taxable accounts. If that puts your asset allocation for domestic stock at too high a level you could adjust your tax advantaged accoun...
by CABob
Sat Apr 15, 2017 11:33 pm
Forum: Personal Consumer Issues
Topic: Budget multitool knife
Replies: 24
Views: 2032

Re: Budget multitool knife

I have several of these both budget models and name brands. They are all very nice except that I seldom if ever use them. I have found that these things that do a lot of things don't do anything very well. I suggest that you might be better served by having a screwdriver like this , a folding knife,...
by CABob
Sat Apr 15, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: Washer/dryer suggestions?
Replies: 31
Views: 1947

Re: Washer/dryer suggestions?

We have a Maytag top loading high efficiency washer and I am less than thrilled with it. It makes a lot of funny noises and the lid locks so I can't really see what is going on during the wash/rinse cycles. We have had a repair guy out two or three times in four years we have had it. We also have a ...
by CABob
Fri Apr 14, 2017 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: Best for Scottrade transfer?
Replies: 14
Views: 1151

Re: Best for Scottrade transfer?

I haven't heard any news since the original announcement of the acquisition/merger.
I am wondering if they intend to operate as a single firm or whether they plan to keep both names active. I may be looking for a broker if I don't like what the new firm looks like and their policies.
by CABob
Fri Apr 14, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: How do you cultivate friends with the same financial means as yourself?
Replies: 4
Views: 748

Re: How do you cultivate friends with the same financial means as yourself?

I don't use financial status or outlook as a criteria for friendship. Consequently, I don't really know if my friends have similar financial means or interests. OTOH the occasion does not arise to seek the friendship of a homeless person on skid row. Similarly if my interests and activities do not i...
by CABob
Wed Apr 12, 2017 12:50 pm
Forum: Investing - Theory, News & General
Topic: NBC News: First Pot-Focused Fund Lets Americans Legally Invest In Hot Biz
Replies: 13
Views: 1667

Re: NBC News: First Pot-Focused Fund Lets Americans Legally Invest In Hot Biz

What's the ER on this fund, out of curiosity?
Management fee of 0.70% per the article. Is that the same as the ER? Learn something new every day -- I didn't even know there was a North American Medical Marijuana Index.
by CABob
Tue Apr 11, 2017 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard RMD Service
Replies: 9
Views: 1105

Re: Vanguard RMD Service

HueyLD wrote:Page 14 under "distribution options."

Thanks, Huey.
I was not aware of that. It sounds like a possible reason not to hold ETFs or non-Vanguard funds in a Vanguard IRA. Not an insurmountable problem but perhaps a nuisance.
by CABob
Tue Apr 11, 2017 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard RMD Service
Replies: 9
Views: 1105

Re: Vanguard RMD Service

HueyLD wrote:You can take your RMD amount only from Vanguard mutual funds.

See https://personal.vanguard.com/pdf/s316.pdf?2210068614

You may be correct, but I didn't see that as a restriction or requirement in the link provided. Can you provide a page or paragraph reference?
by CABob
Mon Apr 10, 2017 5:15 pm
Forum: Investing - Theory, News & General
Topic: one last stupid question [What are "cash equivalents"?]
Replies: 44
Views: 4090

Re: one last stupid question [What are "cash equivalents"?]

I wouldn't think of EE savings bonds as cash unless they are about to hit their 20 or 30 year maturity date. Current EE bonds offer such paltry interest rates they're only worthwhile if you're going to hold them for 20 years. As for older EE bonds, why would you want to liquidate bonds with such go...
by CABob
Mon Apr 10, 2017 3:00 pm
Forum: Investing - Theory, News & General
Topic: one last stupid question [What are "cash equivalents"?]
Replies: 44
Views: 4090

Re: one last stupid question [What are "cash equivalents"?]

Cash equivalent is a term commonly used in accounting. According to one source the definitiion is: Cash Equivalent Definition: A cash equivalent is a highly liquid investment having a maturity of three months or less. it should be at minimal risk of a change in value. Examples of cash equivalents ar...
by CABob
Mon Apr 10, 2017 11:12 am
Forum: Investing - Help with Personal Investments
Topic: living trust vs will books
Replies: 4
Views: 490

Re: living trust vs will books

It depends on what you are trying to accomplish and a number of things personal to you plus your state of residence.
As for a book I suggest Beyond the Grave by Condon. I see that there is a $1.99 price on the Kindle edition currently.
by CABob
Sat Apr 08, 2017 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else own balanced index fund? [vbinx]
Replies: 26
Views: 3179

Re: Anyone else own balanced index fund? [vbinx]

I have been looking at the balanced index fund and am considering transferring into it with a TIRA. I have noticed that the turnover ratio seemed high (something over 40% as I recall). Can anyone address this? Is it because of the bond portion with the need to replace maturing bonds? I also have a c...
by CABob
Fri Apr 07, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Top tape measures
Replies: 30
Views: 1762

Re: Top tape measures

I have the cheap Bosch one and I find it does the job well for under $30: https://www.amazon.com/Bosch-GLM-10-Compact-Measure/dp/B01KMCFYU6/ref=pd_lpo_469_bs_t_2/140-0908890-8548658?_encoding=UTF8&psc=1&refRID=BQVPDRYHQ62PEZ2ZAB2W For those who use a laser measure, are they accurate enough ...
by CABob
Fri Apr 07, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: cannot login to any of my financial websites
Replies: 13
Views: 947

Re: cannot login to any of my financial websites

I have found that closing down my computer then booting up again and into your browser often does magic.
by CABob
Fri Apr 07, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: Phone affects credit card?
Replies: 7
Views: 996

Re: Phone affects credit card?

A merchant finally told me that they build up static electricity on the swipe part

To me that sounds more plausible than the cell phone story, but what do I know.
by CABob
Thu Apr 06, 2017 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Article--Money Funds Yielding Over 1.​0 Percent Makes News; More Coming Soon
Replies: 21
Views: 2710

Re: Article--Money Funds Yielding Over 1.​0 Percent Makes News; More Coming Soon

This just in. Well, actually, it's months old: Capital One 360 Money Market--a plain-ordinary Internet bank savings account-- currently earns 1% if the balance is $10,000 or higher. It is at least as safe as a money market fund. It has FDIC deposit insurance. And it is a consumer account, not an in...
by CABob
Thu Apr 06, 2017 8:19 pm
Forum: Personal Consumer Issues
Topic: Phone affects credit card?
Replies: 7
Views: 996

Phone affects credit card?

DW was recently out shopping and had trouble with two merchants and two credit cards. They were chip cards that the merchant's scanner could not read. The clerk claimed that if the cards were close to her phone in her purse it might affect the readability of the card. DW said at the clerks suggestio...
by CABob
Thu Apr 06, 2017 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Determining Dividends from Life Strategy Fund
Replies: 10
Views: 478

Re: Determining Dividends from Life Strategy Fund

https://personal.vanguard.com/us/funds/ ... 0724#tab=4
If you go to the Vanguard site looking for fund information there is a Distributions tab which should give that information.
by CABob
Thu Apr 06, 2017 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: What is your definition of 'Savings'?
Replies: 25
Views: 1464

Re: What is your definition of 'Savings'?

We have following buckets of savings - 1. Retirement Savings (401K, IRA) and HSA 2. 529 Plans 3. Savings for Various Future Big Ticket Items (Cars, Remodeling) 4. Replenishing Emergency Funds (if used during the year) 5. Extra Mortgage Payments 6. Taxable Investments When the 'pundits' say, 'Save 2...
by CABob
Thu Apr 06, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Is robo for me?
Replies: 29
Views: 2023

Re: Is robo for me?

crispydoc wrote: In the year I was at Betterment, they tax-harvested 12k for me. So why move if TLH more than offset their fees?

So, did the tax savings pay for the fees?
by CABob
Thu Apr 06, 2017 12:11 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 319
Views: 16836

Re: Your USER NAME...what does it mean?

whatusername? wrote:What user name? :D

(The question I keep asking when I have to log in)

Cute :D
I'm thinking about changing mine to "Idontneednostinkinusername"
by CABob
Wed Apr 05, 2017 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Is robo for me?
Replies: 29
Views: 2023

Re: Is robo for me?

I'll stick to the 3 fund approach. I think that would be a good approach. If you think that TLH might be advantageous keep an eye on your three funds to see if they are in positive or negative teritory for each of your purchase lots. If you see one or more purchase lots that are in a loss position ...
by CABob
Tue Apr 04, 2017 9:57 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 128
Views: 10289

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Sold out in less than 2 days. Is that some sort of record?
by CABob
Mon Apr 03, 2017 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Invest in increments or at once?
Replies: 4
Views: 352

Re: Invest in increments or at once?

Do it whichever way is most comfortable for you. If this is an annual contribution to a tax deferred account that you will continue to be adding to in future years at the time of withdrawal at retirement or whenever the difference at this time will probably be less than noise level :happy .
by CABob
Sun Apr 02, 2017 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Do We Need To Continue The Personal Advisory Service?
Replies: 9
Views: 810

Re: Do We Need To Continue The Personal Advisory Service?

*My biggest concern is the tax situation with the distribution of the taxable accounts. Is that something we can manage ourselves easily?

Does the PAS currently provide advice regarding tax considerations? You probably already know the basic tax impact of withdrawals.
by CABob
Sat Apr 01, 2017 11:57 pm
Forum: Investing - Theory, News & General
Topic: Hypothetical question about fund expense
Replies: 10
Views: 586

Re: Hypothetical question about fund expense

It is a trick question. The difference is that the amount of shares initially purchased may not be in the same proportion as the $$ deposited for purchase. $40,000 may buy slightly more or less than 2x as many shares as $20,000. Therefore the result will be different in a year. Since mutual fund sh...
by CABob
Sat Apr 01, 2017 10:42 pm
Forum: Investing - Theory, News & General
Topic: Hypothetical question about fund expense
Replies: 10
Views: 586

Re: Hypothetical question about fund expense

It does sound like a trick question but if not both the child and the parents combined should have experienced the same fund expenses. Note that we are not discussing any possible account fees.
by CABob
Sat Apr 01, 2017 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Finally opening a taxable account on Monday...
Replies: 11
Views: 661

Re: Finally opening a taxable account on Monday...

We're finally opening a taxable account and plan to do it on Monday. Below are my questions since this is my first taxable account. 1. Do I open a brokerage account in a taxable account? Is there another kind of taxable account? You could have a mutual fund account or a brokerage account although t...
by CABob
Sat Apr 01, 2017 12:07 pm
Forum: Investing - Theory, News & General
Topic: anyone have AAII membership
Replies: 8
Views: 950

Re: anyone have AAII membership

I have been a member for probably about 15 years or so. I have enjoyed their Journal but have never attended any of their chapter meetings although the topics discussed often seem interesting (and often not very interesting to me). As for the monthly journal I have found that I can divide the conten...
by CABob
Sat Apr 01, 2017 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Edward jones to vanguard?
Replies: 19
Views: 1596

Re: Edward jones to vanguard?

I see that you have been a forum member for some time but have not posted a lot. Perhaps you would be surprised that this is a very common question that gets asked on the forum frequently. If you do a search for "edward jones" you get a lot of links to prior discussions. https://www.google...
by CABob
Fri Mar 31, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: Get a 0% loan just to keep credit score high?
Replies: 31
Views: 1803

Re: Get a 0% loan just to keep credit score high?

For what it is worth, I have not had any kind of loan for over 10 years and pay the balance on any credit card monthly and have a score comfortably above 800.
by CABob
Fri Mar 24, 2017 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: "Maturing" Target Date Fund
Replies: 2
Views: 408

Re: "Maturing" Target Date Fund

Thanks for the reply and your politeness of not telling me to go read my prospectus. :o
by CABob
Fri Mar 24, 2017 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: "Maturing" Target Date Fund
Replies: 2
Views: 408

"Maturing" Target Date Fund

I just noticed that the Target Date 2010 fund is now closed to new investors. As I recall when a TR fund is about 7 years past the target date it starts to "look like" the TR Income fund and at some point is converted to the TR-I fund. At this time the TR2010 fund has allocations very much...
by CABob
Sat Mar 18, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Cheapest dress shirt to wear under a sweater
Replies: 34
Views: 2292

Re: Cheapest dress shirt to wear under a sweater

J C Penney has a lot of shirts other than the car salesman ones. I don't wear a lot of dress shirts any more but have several sport shirts from Penneys including some of the major brands. Watch for sales and store coupons.
by CABob
Fri Mar 17, 2017 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Switching funds in Roth IRA
Replies: 5
Views: 581

Re: Switching funds in Roth IRA

However, when I try to exchange my Hartford funds for VFFVX on Vanguard's website, I am unable to do so because these funds are in different classes. I'm not sure but I think that perhaps Vanguard does not consider this an exchange by their definitions. Instead this would be a sale of the current f...
by CABob
Tue Mar 14, 2017 9:57 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1752
Views: 964218

Re: The Three-Fund Portfolio

https://personal.vanguard.com/us/funds/vanguard/compare?navigatingFrom=2 Broken link Thanks for pointing out the problem. I thought I was pointing to a page comparing two funds on the Vanguard site. I got there by seeing the list of all funds and selecting two that i wanted to compare. Apparently t...
by CABob
Mon Mar 13, 2017 3:58 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1752
Views: 964218

Re: The Three-Fund Portfolio

The bond allocation percentage would include any and all bond funds held. Regarding comparison of bond funds Vanguard has a comparison tool and you could enter the Total Bond Fund [vbmfx] and compare it to the Inflation Protected Securities fund [vaipx] to get an idea. https://personal.vanguard.com/...
by CABob
Sun Mar 12, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: Shower door slipping off rail
Replies: 4
Views: 572

Re: Shower door slipping off rail

The most likely things are the roller "hangers" are loose or the roller bearings need to be replaced. You can remove the shower doors by lifting them out off the tracks (I'm sure there's a youtube.com video about that). Adjusting the hangers or replacing the roller bearings is pretty simp...
by CABob
Sun Mar 12, 2017 12:57 pm
Forum: Investing - Theory, News & General
Topic: Reasons not to check the account balance too often
Replies: 42
Views: 3989

Re: Reasons not to check the account balance too often

I look once a quarter add the figures to my excel spreadsheet look at the total vs last quarter and move on +1 and perhaps a couple of additional times during the year such as following RMD. That seems often enough to me, but I wonder about those that check daily or multiple times a day. Do you oft...

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