Search found 4231 matches

by CABob
Mon May 29, 2017 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Need Inflation Protected Securities fund?
Replies: 7
Views: 466

Re: Need Inflation Protected Securities fund?

Is there room for some market timing here? :twisted:
What I mean is to not include TIPS currently but to add at such time as it appears that higher inflation is likely?
by CABob
Mon May 29, 2017 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: How exactly does Vanguard's RMD service work? Rebalancing?
Replies: 53
Views: 6633

Re: How exactly does Vanguard's RMD service work? Rebalancing?

Thanks all. So, if my mom is competent and understands everything and is going to call Vanguard each year and ask them to send a check directly for X amount to the charity, then withhold X amount of what is left for taxes and deposit the remaining part of the RMD into her bank account or taxable ac...
by CABob
Mon May 29, 2017 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Need Inflation Protected Securities fund?
Replies: 7
Views: 466

Re: Need Inflation Protected Securities fund?

Thanks for the reply. If it didn't direct me to the answer it at least brought me to the considerations to make. Unfortunately I don't think one will know how well the fund will offset inflationary effects until we are in a high inflationary period.
by CABob
Sun May 28, 2017 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Need Inflation Protected Securities fund?
Replies: 7
Views: 466

Need Inflation Protected Securities fund?

I am considering changing my IRA portfolio from multi-fund (3-fund plus) to a single balanced fund probably a short date Target Retirement or Life Strategy Conservative Growth fund for reasons of simplification. The allocation of the TR and LS funds are similar but I’ve noticed that the short date T...
by CABob
Sun May 28, 2017 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: How exactly does Vanguard's RMD service work? Rebalancing?
Replies: 53
Views: 6633

Re: How exactly does Vanguard's RMD service work? Rebalancing?

I know this is a few years old but I am guessing the information I've read in the thread is still correct. My mom is taking RMD for the first time this year. She recently got the letter about enrolling in this service. She's very on top of understanding how much she must take out. She wants to make...
by CABob
Fri May 26, 2017 11:09 pm
Forum: Investing - Help with Personal Investments
Topic: Starting a Personal Investment Account
Replies: 6
Views: 477

Re: Starting a Personal Investment Account

Now I'd like to open the personal investment account. I was thinking of simply doing Vanguard S&P 500 Index (VFINX) and doing my best to get to $10K in a year to move to the Admiral Shares with the lower expense ratio. But doing this means I have no bonds whatsoever in this account. That sounds...
by CABob
Thu May 25, 2017 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Save mobile deposit checks?
Replies: 16
Views: 1727

Re: Save mobile deposit checks?

You can hold it after depositing for as long as you like but write VOID over it (multiple times if you like) to prevent your account from being debited and another account being credited. Wouldn't that be an issue for the check writer rather than me? But I guess that raises another question in my m...
by CABob
Wed May 24, 2017 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Save mobile deposit checks?
Replies: 16
Views: 1727

Re: Save mobile deposit checks?

Thanks for the responses. I guess I will wait 30 days or so after the deposit appears on my statement then to the shredder.
by CABob
Wed May 24, 2017 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Save mobile deposit checks?
Replies: 16
Views: 1727

Save mobile deposit checks?

I recently joined the 21st century and started to use mobile (smart phone) deposit for occasional paper checks that I receive. Now I'm not sure what I should do with the checks after they have been deposited. Destroy them immediately? Keep them until my bank statement records them? Keep them for 7 y...
by CABob
Sun May 21, 2017 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Leave a Free Investment Advisor?
Replies: 23
Views: 2129

Re: Should I Leave a Free Investment Advisor?

Sometimes one can't really afford something that is "free". Somehow I suspect that the advisor is in fact receiving some compensation from transaction costs.
by CABob
Sat May 20, 2017 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone know what "book" an advisor or insurance salesperson would offer to buy for a prospective client?
Replies: 26
Views: 1380

Re: Anyone know what "book" an advisor or insurance salesperson would offer to buy for a prospective client?

In my financial talks I have a catch-phrase I like a lot: "If you don't know enough to know whether a Target Date fund is right for you, it's right for you". And I follow with something like "if for some reason it is NOT right for you, it remains right for you until you learn/underst...
by CABob
Sat May 20, 2017 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone know what "book" an advisor or insurance salesperson would offer to buy for a prospective client?
Replies: 26
Views: 1380

Re: Anyone know what "book" an advisor or insurance salesperson would offer to buy for a prospective client?

Many years ago I did receive a book from an adviser. It was Stocks for the long run by Siegle. It doesn't fit the 90 minute read category so I don't think that would be it. Perhaps something more along the lines of other ideas, i.e. more of a sales pitch. :twisted:
by CABob
Fri May 19, 2017 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard or Betterment
Replies: 10
Views: 1235

Re: Vanguard or Betterment

You are probably correct that Betterment will do the work and be easy from your standpoint, but what do they really need to do and will you learn anything in the process. I think not. I would suggest that in your situation you could probably open up a Vanguard account with a Target Retirement fund o...
by CABob
Thu May 18, 2017 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: RMD start
Replies: 7
Views: 830

Re: RMD start

I am looking for any feedback on approach. I have a small traditional IRA and some Rollover IRAs. The RMD estimated amount for 2018 is about $35K including 401ks that I will probably rollover to Vanguard for ease of the RMD automation. Don't forget that RMD from IRA is separate from 401k. The RMD a...
by CABob
Wed May 17, 2017 6:26 pm
Forum: Personal Consumer Issues
Topic: Home cordless phone recommendation, which takes AA or AAA batteries
Replies: 30
Views: 1294

Re: Home cordless phone recommendation, which takes AA or AAA batteries

I currently have a Panasonic set and prior to that have had AT&T and Uniden and probably some others that I have forgotten about since I think I have been using cordless phones for well over 20 years. In that time I don't recall ever replacing batteries but if I have it would have been a rare oc...
by CABob
Tue May 16, 2017 10:00 pm
Forum: Investing - Theory, News & General
Topic: Best argument you've heard against passive/for active?
Replies: 49
Views: 3971

Re: Best argument you've heard against passive/for active?

I'm not sure it is the best argument, but perhaps the first I read that got me going in the right direction was William Sharpe's 1991 paper.
by CABob
Tue May 16, 2017 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Target Date Funds in Taxable Account
Replies: 40
Views: 4476

Re: Target Date Funds in Taxable Account

Thanks again. I always noticed the Target funds ER was always higher than the funds that comprised it. Now I understand now that you are paying the extra ER for the convenience of having it automated. If you are discussing Vanguard TR funds its ER is the exact prorated ER of the Investor class shar...
by CABob
Tue May 16, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: [Unable to locate a] Will
Replies: 6
Views: 569

Re: Will

Did she have a lawyer?
Does your mother have siblings or do you have siblings that might have information?
Is there a banker or financial adviser that may have information?
by CABob
Mon May 15, 2017 6:41 pm
Forum: Investing - Theory, News & General
Topic: LifeStrategy Conservative Fund or its 4 fund equivalent
Replies: 9
Views: 1112

Re: LifeStrategy Conservative Fund or its 4 fund equivalent

Thank you all. One last question: If I had to take RMD would it make more sense to do it at the beginning, end of year or monthly from either of the 2 portfolios? Paul Just a comment about taking RMD. If you took them from the 4-fund portfolio you would also have to decided which fund or funds to t...
by CABob
Sun May 14, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: Looking for "old style" dot matrix forms 8.5" x 3.50"
Replies: 7
Views: 477

Re: Looking for "old style" dot matrix forms 8.5" x 3.50"

Will 9 1/2 by 3 2/3 work?
http://www.labeloutfitters.com/9-12-x-3-23_c_128.html
(Or by chance did you measure incorrectly?)
by CABob
Sat May 13, 2017 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Refund
Replies: 1
Views: 308

Re: Credit Card Refund

If you made a purchase and charged it to your credit card it will show up increasing the balance owed and a payment would be due based on the balance. If you returned a purchase typically there would be a credit on your card balance. I don't believe that this credit would reduce the amount owed on t...
by CABob
Sat May 13, 2017 11:08 am
Forum: Personal Consumer Issues
Topic: Cheapest voice only, low minutes cell service
Replies: 11
Views: 1372

Re: Cheapest voice only, low minutes cell service

Consider Page Plus Cellular. They use the Verizon network and have a pay-as-you-go plan for $10 for 4 months. this is for 3G phones only.
by CABob
Tue May 09, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: Sunscreen for men in office environment
Replies: 25
Views: 2865

Re: Sunscreen for men in office environment

Neutrogena Face Lotion?
A number of the hand and body lotions (Lubriderm for example) have SPF ratings.
by CABob
Mon May 08, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Search function on Vanguard.com [Qualified Charitable Distributions (QCD)]
Replies: 10
Views: 481

Re: Search function on Vanguard.com [Qualified Charitable Distributions (QCD)]

I wonder if it has anything to do with an outdated browser and/or functioning ad blocker. It could even have something to do with an obsolete plug-in like Adobe Flash or something else. In order to test this, one might try on another computer or another browser. Eureka! I was using Chrome and appar...
by CABob
Mon May 08, 2017 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Search function on Vanguard.com [Qualified Charitable Distributions (QCD)]
Replies: 10
Views: 481

Re: Search function on Vanguard.com

Working for me at the moment. Maybe this is the info you were looking for: https://investor.vanguard.com/investing/taxes/required-minimum-distributions Thanks to all who responded, but my question had to do with the search function on Vanguard.com not with the details of QCD. The link referenced ab...
by CABob
Mon May 08, 2017 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Search function on Vanguard.com [Qualified Charitable Distributions (QCD)]
Replies: 10
Views: 481

Search function on Vanguard.com [Qualified Charitable Distributions (QCD)]

I just tried to do a search on the Vanguard site and got the message that the search function was not available. I seemed to recall that a similar thing happened a few days ago. Is anyone else having a problem with the search function? It appears that it works for finding fund information but not fo...
by CABob
Sun May 07, 2017 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: Need Discount Broker Recommendation
Replies: 8
Views: 841

Re: Need Discount Broker Recommendation

Does your friend actually have a company in mind? If he does have you checked to see if it is a publicly traded company? From what I have seen and heard (which isn't much) most of the companies are small and privately held. And since there is disagreement on legality between the feds and states I wo...
by CABob
Sun May 07, 2017 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Will and Estranged Child advice
Replies: 44
Views: 3904

Re: Will and Estranged Child advice

Just for clarification for those of us mentally challenged, how may children do you have (two, I think)? Is the estranged child the older or younger? How long has it been since the children completed their education and how long ago did the estrangement occur.
by CABob
Sun May 07, 2017 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Target Date Fund reallocation tax strategy
Replies: 4
Views: 420

Re: Target Date Fund reallocation tax strategy

The TR 2045 fund has a small allocation to bonds (10% or so) so its tax inefficiency has a very small effect. Given your tax situation I would be inclined to just accept the inefficiency. You might consider stopping your new contributions to this fund in this account and instead add another fund for...
by CABob
Fri May 05, 2017 2:45 pm
Forum: Investing - Theory, News & General
Topic: Tips From Older Bogleheads?
Replies: 52
Views: 4319

Re: Tips From Older Bogleheads?

The 10 commandments by Jonathan Clements is pretty good.
viewtopic.php?f=10&t=218190&newpost=3356970
by CABob
Tue May 02, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Great knife for slicing limes and raw potatoes
Replies: 56
Views: 3086

Re: Great knife for slicing limes and raw potatoes

dk240t wrote:Still trying to figure out what meal OP only needs to cut limes and potatoes for...

Lime and potato casserole? :twisted:
I use a boning knife more often than a chefs knife. Which goes back to my original reply of it being a very personal decision.
by CABob
Tue May 02, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: Great knife for slicing limes and raw potatoes
Replies: 56
Views: 3086

Re: Great knife for slicing limes and raw potatoes

Knives are kind of a personal thing. There are a number of good quality knives available. My advice would be to not go cheap and try it out for feel before you buy. We have had a set of Chicago wood handled knives for about 30 years. They were US made but I'm not sure Chicago is US made any more. Th...
by CABob
Sun Apr 30, 2017 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Buy in Shares instead of Buy in Dollars?
Replies: 22
Views: 2590

Re: Vanguard: Buy in Shares instead of Buy in Dollars?

I think I know what you are trying to do and it would be nice to be able to say that $x were purchased on the DOB but if you told a little white lie and were off by a few dollars would any harm be done? I don't think the message you will be trying to send will be diminished. :twisted:
by CABob
Fri Apr 28, 2017 2:23 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 106
Views: 9806

Re: Vanguard has switched to brokerage only accounts

Perhaps you are not thinking of the new upgraded brokerage system that everyone is "itching" about. :D Perhaps you are right since my mutual fund accounts have not been upgraded to the "new and improved" accounts. In reading this conversation and others I'm not real anxious to m...
by CABob
Fri Apr 28, 2017 12:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 106
Views: 9806

Re: Vanguard has switched to brokerage only accounts

Bogleheads don't make mutual fund investments through their bank so why should they want to write checks on their investment accounts? :? Because it is a convenient way to move money from my VG money market fund to my checking (or other) account. Also a convient way to pay a bill that is a bit too ...
by CABob
Thu Apr 27, 2017 11:34 am
Forum: Investing - Theory, News & General
Topic: New look at vanguard.com
Replies: 5
Views: 865

Re: New look at vanguard.com

Does this mean I will have a couple of months of searching for the old features?
by CABob
Mon Apr 24, 2017 3:21 pm
Forum: Personal Consumer Issues
Topic: Six pack for barbecue?
Replies: 77
Views: 5357

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: 15358

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: 2389

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: 532

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: 5357

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: 5357

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: 1681

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: 5391

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: 6724

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: 6724

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: 2139

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: 734

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: 2175

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,...

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