Search found 4108 matches

by CABob
Fri Jan 20, 2017 10:52 pm
Forum: Personal Consumer Issues
Topic: Cell phones - I have met my match, please help
Replies: 21
Views: 2055

Re: Cell phones - I have met my match, please help

You might look at Page Plus Cellular which uses Verizon's network and has some reasonable plans.
by CABob
Wed Jan 18, 2017 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: How do I determine if I need to consult with an attorney about whether I need a trust?
Replies: 22
Views: 1446

Re: How do I determine if I need to consult with an attorney about whether I need a trust?

I suggest you read the book, Beyond the Grave by Condon. It will provide a overview of estate planning and mistakes that can be made. There are probably other books that would be an education. Most estate lawyers will provide a brief consultation at no cost to discuss your situation and recommendati...
by CABob
Tue Jan 17, 2017 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard as trustee
Replies: 3
Views: 442

Re: Vanguard as trustee

Don't ignore or forget about assets other than your savings/investment accounts such as real estate, vehicles, personal property, etc.
by CABob
Mon Jan 16, 2017 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Should Bond Funds be Considered a Fixed Income Investment?
Replies: 30
Views: 1840

Re: Should Bond Funds be Considered a Fixed Income Investment?

If a bond fund is not fixed income what is it? It certainly isn't equity. It is not a commodity or any of the other things that are sometimes called alternate investments so I think I am left calling it fixed income.
by CABob
Mon Jan 16, 2017 4:06 pm
Forum: Investing - Theory, News & General
Topic: Target Date Fund - Retirement Years
Replies: 29
Views: 2550

Re: Target Date Fund - Retirement Years

I am retired and have a mixed bag here. DW has an IRA in the TR2010 fund which we assume is about to convert to the TR Income fund. I on the other hand hold individual funds in an IRA in essentially a 3-fund portfolio. I am considering a change to my IRA at some point to a TR or LS fund with the goa...
by CABob
Sat Jan 14, 2017 12:43 pm
Forum: Personal Consumer Issues
Topic: Recommendations for home paper shredder
Replies: 52
Views: 2072

Re: Recommendations for home paper shredder

I have had a Royal VF 880 for about 4 years and have been happy with it. It may have been discontinued but I'm sure there is one similar available. It cost about $50. Reviews (Amazon and others) have not been great. It claims to be an 8 sheet shredder but to me anything over 3 sheets seem to be a bi...
by CABob
Thu Jan 12, 2017 7:09 pm
Forum: Personal Consumer Issues
Topic: Recommend a LEAKproof microwavable, fairly decent sized lunch box!
Replies: 10
Views: 927

Re: Recommend a LEAKproof microwavable, fairly decent sized lunch box!

Isn't that what Ziploc containers are for? And the ones with a gasket mentioned before are even better.
by CABob
Mon Jan 09, 2017 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: ETF vs Investor Shares?
Replies: 4
Views: 463

Re: ETF vs Investor Shares?

No. There are many reasons why one might want and prefer to use the investor share class of mutual funds vs. an ETF, but I don't believe there is a specific advantage to use the mutual fund that would warrant the higher expense ratio. Personally however I would prefer the mutual fund even at the hig...
by CABob
Mon Jan 09, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Is a charitable donation from an IRA regarded as taxable income?
Replies: 17
Views: 634

Re: Is a charitable donation from an IRA regarded as taxable income?

It is not taxable and is not deductible on your tax return. The check needs to be written by the IRA administrator with charity as the payee.
by CABob
Sun Jan 08, 2017 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice moving from EJ
Replies: 36
Views: 2046

Re: Need advice moving from EJ

I did trustee to trustee and the check came to me and I sent to vanguard. I don't think they'll do a wire transfer. I thought trustee to trustee meant the investor never receives a 'check' it goes from Company A directly to Company B so there's no taxable event :?: My experience has been that the c...
by CABob
Tue Jan 03, 2017 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Book recommendation for teen
Replies: 15
Views: 776

Re: Book recommendation for teen

One of my earliest books and still a favorite is one of Eric Tysons "Dummies" series such as Personal Finance for Dummies.
https://www.amazon.com/s/ref=nb_sb_ss_c ... CEE2YDBUK0
by CABob
Sun Jan 01, 2017 4:52 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST
Replies: 670
Views: 16251

Re: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST

2400 for year end index.
by CABob
Fri Dec 30, 2016 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: credit card fraud
Replies: 49
Views: 5766

Re: credit card fraud

Interestingly, the card I got recently does not have raised numbers. Card company trying to foil rubbings, or just getting cheap? Bob not cheap. The raised numbers are for when they used to run cards manually with carbon paper like on the machine below. Since few if any places use these anymore the...
by CABob
Tue Dec 27, 2016 11:34 pm
Forum: Personal Consumer Issues
Topic: Any Backyard Chefs out there? Do you have any specialties?
Replies: 25
Views: 1538

Re: Any Backyard Chefs out there? Do you have any specialties?

No Santa Maria tri-tip experts here?
:confused
by CABob
Mon Dec 26, 2016 11:24 am
Forum: Investing - Theory, News & General
Topic: David Swensen says "never have anything weighted more than 30%"
Replies: 42
Views: 4275

Re: David Swensen says "never have anything weighted more than 30%"

Swensen is apparently talking about one of his personal rules. I'm almost positive that he is not suggesting that it is an appropriate rule for all investors.
by CABob
Sat Dec 24, 2016 11:34 am
Forum: Investing - Help with Personal Investments
Topic: How should I treat equities when evaluating my asset allocation?
Replies: 17
Views: 1047

Re: How should I treat equities when evaluating my asset allocation?

They are certainly stocks. It sounds like they would be US stocks. Most likely they are large cap stocks.
What else do you need to know for categorization?
by CABob
Fri Dec 23, 2016 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Will or Living Trust?
Replies: 20
Views: 1187

Re: Will or Living Trust?

Keep in mind that you can also control the disposition of assets after death by appropriate Payable on Death and Transfer on Death designations on titles.
by CABob
Thu Dec 22, 2016 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Chase $300 bonus for opening account
Replies: 64
Views: 11774

Re: Chase $300 bonus for opening account

How do you close your accounts? Do you have to visit a branch to close them? I imagine that one could close an account with by telephone, email, snail mail or some combination. Personally, however, I have and would prefer to visit a branch to close an account. It seems less likely for errors and yo...
by CABob
Wed Dec 14, 2016 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: On-line order, in-store pickup
Replies: 27
Views: 2136

Re: On-line order, in-store pickup

DW has used in store pickup at J C Penney a few times primarily to save on shipping charges. For the most recent occurrence there was no one at the customer service pick up counter so she had to go to a check out register in the store. The person there had to wait to finish up with a customer then g...
by CABob
Wed Dec 14, 2016 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 204
Views: 35592

Re: Liking the new Citi CC at Costco

Reviving this thread to report that I've had absolutely horrible service with the new Citi Visa for Costco, and will be cancelling it as soon as the rewards are paid out in February. I received an email from them today, notifying me of an urgent message about fraud activity on my account, which req...
by CABob
Tue Dec 13, 2016 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: contribution .. sorry need to ask
Replies: 6
Views: 661

Re: contribution .. sorry need to ask

every thing else is just fine, but in my Roth I send a monthly contribution $541.66 and I have 4 funds 46% TSM, 18% TBM, 17% TISM, 18% REIT question, when i send the monthly contribution do I need to send by % or just divide in in 4 same amount (i am doing this now)? I think I would consider contri...
by CABob
Thu Dec 08, 2016 11:05 am
Forum: Investing - Theory, News & General
Topic: 401k contributions
Replies: 5
Views: 659

Re: 401k contributions

Some guy at work is trying to tell me traditional 401k contributions for 2016 can be made until tax day in 2017.

Are you sure he is not thinking about employer contributions? I believe in some cases employer contributions can be made after year end.
by CABob
Tue Dec 06, 2016 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: want to buy property, abandoned trailer on it
Replies: 39
Views: 2670

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: 4176

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: 4176

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: 395

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: 20
Views: 1527

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: 926

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: 936

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: 7419

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: 2574

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: 5251

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: 5251

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: 24
Views: 3462

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: 768

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: 1253

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: 3659

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: 492

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: 4829

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: 4829

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: 4829

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: 549

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: 841

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: 841

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: 900

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: 2226

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: 3374

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: 760

Re: Is VTI the same as VTSAX ?

This fund also has an investor share class of VTSMX and an institutional class of VITPX.

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