Search found 4278 matches

by CABob
Mon Jul 24, 2017 11:18 am
Forum: Investing - Theory, News & General
Topic: Admiral shares in TDF-Vanguard answers
Replies: 1
Views: 281

Admiral shares in TDF-Vanguard answers

http://www.obliviousinvestor.com/
In the latest Oblivious Investor blog Vanguard answers a question often asked on this forum. Why don't target date funds contain Admiral Share class funds?
by CABob
Fri Jul 21, 2017 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: AnnualCreditReport Equifax
Replies: 31
Views: 1631

Re: AnnualCreditReport Equifax

In 10 years of trying, I've never been able to get on-line access to my credit report from Equifax. In fact, I don't know anyone who has ever had success with Equifax on-line and I've asked plenty of folks. I'm willing to bet it is intentional on their part to see relatively few requests (who wants...
by CABob
Fri Jul 21, 2017 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: AnnualCreditReport Equifax
Replies: 31
Views: 1631

Re: AnnualCreditReport Equifax

DW recently had the same experience with Experian. Tried 2 or 3 times over a span of a week or so getting the message that they were unable to provide the report and needed to submit the form. After some difficulty finally found the form and submitted it via snail mail. Haven't heard back yet.
by CABob
Sat Jul 15, 2017 2:32 pm
Forum: Investing - Theory, News & General
Topic: Market vs Limit order
Replies: 50
Views: 3190

Re: Market vs Limit order

When you buy stocks, such as Vanguard ETFs, do you place market orders or do you do limit orders? I only buy ETF and stocks while the market is open and am buying widely traded investments so I use market orders so I have not been hurt doing so. Also, on a related note, can you set up a Roth IRA ac...
by CABob
Fri Jul 14, 2017 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: After moving from Ameriprise to Vanguard
Replies: 11
Views: 1080

Re: After moving from Ameriprise to Vanguard

conventional = ???? Do you mean a taxable account? Are the investments listed comprise your total investments or is this just one of several accounts? If the later what do other accounts look like? I see that you had posted a few days ago that you had transferred three IRAs to Vanguard. https://www....
by CABob
Fri Jul 14, 2017 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Estate planning to avoid probate
Replies: 16
Views: 1564

Re: Estate planning to avoid probate

With an estate of this apparent size and complexity I think that perhaps a visit and consultation with an estate lawyer is in order. Perhaps the lawyer who prepared the existing trust and will is the one to see. It sounds to me that some of the assets should have been addressed and maybe have not be...
by CABob
Wed Jul 12, 2017 9:54 am
Forum: Investing - Theory, News & General
Topic: Display zero balance funds
Replies: 4
Views: 387

Re: Display zero balance funds

Go to "Balances and holdings" and there should be a "Customize this view" link in the upper-right part of the main window, below the red banner and above the text size controls. That did it! Thanks so much. I'm not sure why I did not notice if before, although I think I was look...
by CABob
Tue Jul 11, 2017 10:56 pm
Forum: Investing - Theory, News & General
Topic: Display zero balance funds
Replies: 4
Views: 387

Re: Display zero balance funds

Hi Bob: When You log on and get to the first page that lists a summary of your accounts, it should say Welcome Back, Bob in large type. Right underneath you will see a sentence that says: The holdings you've hidden in your customized view are excluded from the information displayed on this page. Th...
by CABob
Tue Jul 11, 2017 10:21 pm
Forum: Investing - Theory, News & General
Topic: Display zero balance funds
Replies: 4
Views: 387

Display zero balance funds

If I recall correctly there was a way to show or not show zero balance funds on the Vanguard Balances and Holdings display. Unfortunately I cannot now find out where and how to change that setting. Can someone help?
by CABob
Tue Jul 11, 2017 12:52 pm
Forum: Investing - Theory, News & General
Topic: Schwab promotion for Scottrade clients
Replies: 1
Views: 351

Re: Schwab promotion for Scottrade clients

Tempting since I've had a Scottrade account for about 20 years. Does the free trade deal apply to mutual fund transactions? Probably not. :(
I think I'll pass on the deal.
by CABob
Tue Jul 11, 2017 11:49 am
Forum: Investing - Theory, News & General
Topic: Periodic investing to reduce/eliminate need to rebalance?
Replies: 15
Views: 1151

Re: Periodic investing to reduce/eliminate need to rebalance?

Depending on the relative sizes of the taxable and tax advantaged accounts you may be able to do all of your re-balancing in the tax advantaged account so you would avoid taxable transactions. You may want or need a stock fund in the tax advantaged account to facilitate this.
by CABob
Sun Jul 09, 2017 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Looking ahead on my RMD in Nov. or Dec. 2017
Replies: 9
Views: 1046

Re: Looking ahead on my RMD in Nov. or Dec. 2017

One of the options that Vanguard has for RMD is to take it proportionally from all funds. If you currently have the allocation you desire and want to keep it that way this would be the most logical.
by CABob
Sun Jul 09, 2017 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Buying and Selling within a Roth/401K
Replies: 2
Views: 208

Re: Buying and Selling within a Roth/401K

Does your 401k or IRA have any transaction costs associated with buying and selling?
by CABob
Sun Jul 09, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account [Website Down]
Replies: 92
Views: 2897

Re: Is Vanguard down this AM (7/9/17)?

It could have been worse. When the Bogleheads site goes down for maintenance, I and many others have severe withdrawal pains.
:evil:
by CABob
Fri Jul 07, 2017 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Why is it wrong to hold both? [Total Stock Market and 500 index]
Replies: 29
Views: 3211

Re: Why is it wrong to hold both?

Not necessarily bad or wrong, but I can't help but wonder why you are considering it. There are a number of circumstances that might make it attractive or a good thing and am wondering what your reason is.
by CABob
Thu Jul 06, 2017 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Museum Membership - tax deductible?
Replies: 13
Views: 939

Re: Museum Membership - tax deductible?

Probably not if you get things in return (such as unlimited free visits for a paid museum) that are commensurate with what you paid. If it's a free 501(c)(3) museum and your "membership" doesn't come with any particular benefits, it is likely tax deductible. Sometimes, if what you donated...
by CABob
Wed Jul 05, 2017 9:24 pm
Forum: Investing - Theory, News & General
Topic: Wellington vs Wellington Admiral shares
Replies: 12
Views: 1920

Re: Wellington vs Wellington Admiral shares

The share price of a mutual fund is of no concern regarding your decision. The share price is initially determined as a somewhat arbitrary number at the time of initial formation of the fund. From that point forward one invests a certain dollar amount and the share price is insignificant other than ...
by CABob
Mon Jul 03, 2017 8:30 pm
Forum: Personal Consumer Issues
Topic: Hearing aid help
Replies: 15
Views: 880

Re: Hearing aid help

Thanks all for your responses. They have been helpful. What is your word recognition score (WRS)? I’m not sure but if this is the test to repeat words spoken by the tester I think I got most or perhaps all of them correct You have to rely on people enunciating and speaking clearly. Which never happe...
by CABob
Mon Jul 03, 2017 6:52 pm
Forum: Personal Consumer Issues
Topic: Hearing aid help
Replies: 15
Views: 880

Hearing aid help

There have been a number of conversations about hearing aids over the past few years and I think I have read them all. I got my first hearing aids from Costco a few months ago based on conversations on this forum as well as recommendations by friends. They are the Costco Kirkland brand and I have be...
by CABob
Mon Jul 03, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: Best tool/technique for grill cleaning?
Replies: 24
Views: 2030

Re: Best tool/technique for grill cleaning?

PFInterest wrote:Sponge. Onion. Hotter charcoal.


Onion???? This must be a technique I have not heard of. Elaborate please.
by CABob
Mon Jul 03, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: Best tool/technique for grill cleaning?
Replies: 24
Views: 2030

Re: Best tool/technique for grill cleaning?

Do you clean grill when it is hot or cold? And after cooking do you try to burn off the residue?
My procedure is to use wire brush immediately after cooking then leave the burner on for 5 minutes or so to burn off the residue.
by CABob
Sun Jul 02, 2017 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Childless couple - want siblings to inherit after we both go
Replies: 36
Views: 3414

Re: Childless couple - want siblings to inherit after we both go

I haven't thought this all the way through, but for an idea, how about each of you having a will or possibly a revocable trust such that when one passes their assets go into a irrevocable trust that the surviving spouse can receive the income or possible a percentage of the trust for annual expenses...
by CABob
Sun Jul 02, 2017 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Hiring an executor for my will
Replies: 72
Views: 7106

Re: Hiring an executor for my will

I did have an "in passing" conversation with an attorney who uses the same bank that I do and his remark to me was "you don't have any children, so what do you care?" OW! There are lots of folks who do not have children for complex reasons and it hurts. While I question the mann...
by CABob
Sun Jun 25, 2017 11:31 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard LifeStrategy Fund
Replies: 5
Views: 940

Re: Vanguard LifeStrategy Fund

I like the asset allocation and fund choices in the "Vanguard LifeStrategy Moderate Growth Fund" (VSMGX), so it would be easiest to just dump everything into this fund and be done with it. However, I am concerned over time Vanguard will change the allocation between stocks versus bonds an...
by CABob
Thu Jun 22, 2017 10:28 pm
Forum: Personal Consumer Issues
Topic: Amazon purchase
Replies: 10
Views: 1591

Re: Amazon purchase

I've always wondered this: what if I put things in my cart, using my phone for example. Can I then use the BH link just to check out? I'm not positive but if you make a new log in from your computer using the Boglehead link and you find your cart with products in it from the phone purchase I would ...
by CABob
Thu Jun 22, 2017 10:22 pm
Forum: Personal Consumer Issues
Topic: Amazon purchase
Replies: 10
Views: 1591

Re: Amazon purchase

There is also the "Smile" provision that makes contributions to the John C Bogle Center for Financial Literacy. You can find more about it at https://www.bogleheads.org/forum/viewtopic.php?t=209880 . Someone indicated that you can use both the Boglehead link and also the Smile link on the ...
by CABob
Thu Jun 22, 2017 11:46 am
Forum: Investing - Theory, News & General
Topic: Email from VG - Vanguard Rep is on Leave ??
Replies: 22
Views: 2895

Re: Email from VG - Vanguard Rep is on Leave ??

I would think this also has a lot to do their "new" Personal Advisory Services. They have to distinguish that from even Flagship, so perhaps part of how they did that was downgrading Flagship and lower tiers. I am concerned that this might be a factor which would not make me happy. I don'...
by CABob
Fri Jun 16, 2017 11:03 pm
Forum: Investing - Theory, News & General
Topic: Possible to exchange for a new fund and buy more on the same market day? [Mutual Fund]
Replies: 9
Views: 692

Re: Possible to exchange for a new fund and buy more on the same market day? [Mutual Fund]

I'm not sure that this is the same as your situation but several months ago I wanted to buy about $100,000 of Admiral shares of a fund ($50K minimum purchase) with $60K coming from 1 fund and $40K coming from another. I placed the $60K transfer without a problem then tried to transfer the $40K from ...
by CABob
Wed Jun 14, 2017 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Do You Take Your Credit Card Receipts?
Replies: 85
Views: 6021

Re: Do You Take Your Credit Card Receipts?

I take them, and keep them for a couple days. My theory is that errors in tip entry are less likely to occur when you take the receipt. But don't they print your receipt before the tip and signature is put on their copy? That has been my experience so I don't see that taking the receipt would chang...
by CABob
Wed Jun 14, 2017 1:08 pm
Forum: Forum Issues and Administration
Topic: How to "follow" a thread of BH
Replies: 8
Views: 1092

Re: How to "follow" a thread of BH

gasdoc wrote:Once you "subscribe," what happens then?

You will receive an email indicating there was a new post to that conversation.
by CABob
Tue Jun 13, 2017 5:24 pm
Forum: Investing - Theory, News & General
Topic: Favorite Feature of Vanguard Website?
Replies: 67
Views: 5474

Re: Favorite Feature of Vanguard Website?

I think the Portfolio Watch tool and display is nice. I don't know if other companies have a similar feature.
by CABob
Tue Jun 13, 2017 12:42 pm
Forum: Investing - Theory, News & General
Topic: Favorite Feature of Vanguard Website?
Replies: 67
Views: 5474

Re: Favorite Feature of Vanguard Website?

One feature I do not like is their search function; maybe I'm bias since I use Google search so much. What browser do you use? I recently discovered that the VG search seems to have some problems when using Chrome. It worked fine when I used it in Internet Explorer. I'm not sure I have a favorite f...
by CABob
Tue Jun 13, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: Watch Batteries
Replies: 53
Views: 2506

Re: Watch Batteries

by CABob
Sun Jun 11, 2017 6:56 pm
Forum: Forum Issues and Administration
Topic: Longest conversation thread?
Replies: 6
Views: 948

Longest conversation thread?

I'm not sure if this is appropriate or in the right place, but as I read the 1800th post on Taylor's Three-Fund thread I am wondering what is the longest thread on this forum if anyone knows. Is anyone aware of a longer thread?
by CABob
Sun Jun 11, 2017 6:45 pm
Forum: Personal Consumer Issues
Topic: Fence Dilemma
Replies: 31
Views: 2721

Re: Fence Dilemma

I suggest that you approach the neighbor in two (or perhaps more) steps. First in talk in general terms indicating that you see that the fence is in bad condition and indicate that perhaps it should be replaced to see what her reaction might be. Depending on her response some time later indicate wha...
by CABob
Sat Jun 10, 2017 10:53 pm
Forum: Personal Consumer Issues
Topic: AAA Cost
Replies: 85
Views: 6588

Re: AAA Cost

I recently paid $74 for DW and myself for basic membership (not Plus) in Southern California area. I find the difference in costs in various areas and even with a number of members in the SoCal area interesting and surprising.
by CABob
Thu Jun 08, 2017 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation is Haywire Vanguard
Replies: 7
Views: 712

Re: Asset Allocation is Haywire Vanguard

Keepcalm wrote:However if I divide each fund by my total portfolio value it's in fact 80/20 still.

Has anyone ever had an issue with Vanguards asset allocation pie chart it shows you when you login and go to portfolio watch?

Yes. Trust your own calculation not the one that is used for the pie chart.
by CABob
Wed Jun 07, 2017 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Help with choosing Financial Planning / Investment Firm
Replies: 15
Views: 1020

Re: Help with choosing Financial Planning / Investment Firm

guyincalifornia wrote:Question for Meg77: how do I go about finding a GREAT planner who will accept a flat fee? Thanks again!

I'm not Meg77 but I understand that the Garrett Network is a good place to look for hourly or flat fee advisors,
by CABob
Wed Jun 07, 2017 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: When a company spins off part of itself, do you keep the new company stock?
Replies: 17
Views: 843

Re: When a company spins off part of itself, do you keep the new company stock?

I have owned Northrop Grumman (NOC) stock for a number of years. In March of 2011 they spun off Huntington Ingalls Industries (HII) which I kept for no particular reason. Since that time NOC Has gained about 310% while HII has gained about 650%.
by CABob
Fri Jun 02, 2017 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Time to Move Away from 3-Fund Portfolio?
Replies: 36
Views: 4234

Re: Time to Move Away from 3-Fund Portfolio?

I am in a similar situation with basically a 3-fund IRA. I am already retired but am starting to be concerned as to what will happen when I have passed or in a condition that I no longer have the desire or ability to maintain the IRA although it requires very little maintenance. I haven't taken any ...
by CABob
Thu Jun 01, 2017 5:16 pm
Forum: Investing - Theory, News & General
Topic: RMD on Declining Balance
Replies: 53
Views: 3451

Re: RMD on Declining Balance

itstoomuch wrote:^Bob, so do you have that makes your portfolio do so well?

Lazy portfolio - 3-fund plus some tilts in the past. Currently at about 45% equity.
by CABob
Thu Jun 01, 2017 3:24 pm
Forum: Investing - Theory, News & General
Topic: RMD on Declining Balance
Replies: 53
Views: 3451

Re: RMD on Declining Balance

I wonder how many retirees know that they will have a RMD on a declining balance on their IRAs? and Somewhere-Sometime they will discover that their IRA will no longer support their life style of ~4% SWR? YMMV I have been taking RMD for a number of years and my IRA balance has grown not declined ov...
by CABob
Tue May 30, 2017 12:44 pm
Forum: Investing - Theory, News & General
Topic: "Mind the Gap 2017"
Replies: 14
Views: 2004

Re: "Mind the Gap 2017"

Whenever I see discussion or analysis of this type I can’t help but wonder if there isn’t another explanation of the data. Over a lifetime of wealth and investing accumulation of 10, 20 or more years most of us start out with a very modest amount of assets and (hopefully) end up with some significan...
by CABob
Mon May 29, 2017 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: How exactly does Vanguard's RMD service work? Rebalancing?
Replies: 57
Views: 7380

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

If you have checkwriting on your IRA (I know that both Vanguard and Fidelity allow this) you can write the QCD check from your IRA account yourself, and send it to the charity. If you have actually done this I guess it works but I am surprised. If you write a check how does Vanguard know that it is...
by CABob
Mon May 29, 2017 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: 3-fund vs Vanguard 4-fund portfolio?
Replies: 25
Views: 2429

Re: 3-fund vs Vanguard 4-fund portfolio?

Any thoughts about the Vanguard 4-fund portfolio vs the traditional 3-fund portfolio? Any reasons NOT to go with the Vanguard 4-fund portfolio? I don't do market forecasts but if I did I wouldn't pick one over the other but I would be willing to forecast over the long term there will be very little...
by CABob
Mon May 29, 2017 5:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: Amazon Smile: John C Bogle Center
Replies: 22
Views: 3689

Re: Amazon Smile: John C Bogle Center

Can one contribute to the Bogleheads using the Amazon link on the home page and also to the Bogle Center through the Smile process or is it one or the other?
by CABob
Mon May 29, 2017 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Need Inflation Protected Securities fund?
Replies: 7
Views: 673

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: 57
Views: 7380

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: 673

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.

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