Search found 3908 matches

by CABob
Sun May 29, 2016 5:11 pm
Forum: Personal Consumer Issues
Topic: Is there such thing as easy load front load washer/dryer?
Replies: 30
Views: 1754

Re: Is there such thing as easy load front load washer/dryer?

lhl12 wrote:I don't know why any Boglehead would even consider a front load washer/dryer.

It's just so darned inconvenient if you have a back load dryer. :twisted:
by CABob
Sat May 28, 2016 7:45 pm
Forum: Personal Consumer Issues
Topic: Is there such thing as easy load front load washer/dryer?
Replies: 30
Views: 1754

Re: Is there such thing as easy load front load washer/dryer?

I don't think that tilting the machine at an angle would be a good idea since it would compromise the rotation of the drum or tub.
by CABob
Fri May 27, 2016 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: My former attorney has become an Edward Jones rep
Replies: 26
Views: 2808

Re: My former attorney has become an Edward Jones rep

Based on those I've known over my career (and stereotyping about the educational path most of us took to law), most attorneys don't know jack about finances. Not to say anything good about EJ but perhaps an estate lawyer might find a suitable home there. Those that are knowledgeable wouldn't be goi...
by CABob
Fri May 27, 2016 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Does the $5.45M exemption from estate taxes change your estate planning
Replies: 36
Views: 2963

Re: Does the $5.45M exemption from estate taxes change your estate planning

Now that the exemption is this high (plus an additional $5.45M from portability) are you making any changes to your estate planning? For me, estate tax liability was the major driver for having a by-pass trust. Other benefits, privacy, speed in settling, more protection from creditors, etc. were ni...
by CABob
Thu May 26, 2016 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 163
Views: 25313

Re: Costco AMEX Transition - Costco has no answers

I got my Visa cards today. Benefits are great (4% gas, 3% restaurants, 2% costco, 1% everything else) but I can't use them until June 20. I understand that's the date Amex is no longer accepted at Costco, but it's a bit silly that I can't use the cards until then. I guess I'll put a reminder in my ...
by CABob
Wed May 25, 2016 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Exchange from Lifestrategy to Target Date
Replies: 15
Views: 1483

Re: Exchange from Lifestrategy to Target Date

In any case, both LS and TD funds are balanced funds so I can't sell one of the 4 "total market" asset classes. What is the recommendation on what type of account to use for holding these funds? The common recommendation is to hold a bond fund or a fund of funds that includes bonds in a t...
by CABob
Wed May 25, 2016 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: Exchange from Lifestrategy to Target Date
Replies: 15
Views: 1483

Re: Exchange from Lifestrategy to Target Date

I am not sure I understand your comment about bonds in a taxable account. Could you please explain? Bonds and bond fund distribute unqualified dividends and interest which are taxed at your ordinary income tax rate. The is to be compared with stocks and stock funds which distribute dividends and ca...
by CABob
Wed May 25, 2016 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Exchange from Lifestrategy to Target Date
Replies: 15
Views: 1483

Re: Exchange from Lifestrategy to Target Date

If there were significant capital gain taxes involved I probably would not make the transfer. Instead I would probably open the target date fund and put future contributions there. I assume that one of the reasons for wanting the change is because you like the asset allocation better in the TR fund ...
by CABob
Mon May 23, 2016 11:30 pm
Forum: Investing - Theory, News & General
Topic: What was your first investment?
Replies: 115
Views: 3933

Re: What was your first investment?

Not including Series E savings bonds that were given to me and a passbook savings account my first "adventure" was an IPO. A friend worked for the company and said the company was going to go public and there was some money to be made. :moneybag I and several other friends bought the IPO a...
by CABob
Mon May 23, 2016 9:17 am
Forum: Investing - Theory, News & General
Topic: irreverent??? [Bogleheads' Guide to Investing]
Replies: 19
Views: 2326

irreverent??? [Bogleheads' Guide to Investing]

I just received and email from Amazon advertising the Boglehead's Guide to Investing which describes it as The irreverent guide to investing, Boglehead style. Irreverent is defined as having or showing a lack of respect for someone or something that is usually treated with respect : treating someone...
by CABob
Sat May 21, 2016 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Dividends [What funds pay them?]
Replies: 33
Views: 1525

Re: Dividends [What funds pay them?]

No not necessarily looking at just that but for instance with the funds I already hold. I was not sure which pay dividends which don't. And in fact when looking over the DODIX fund and it's worthiness I did not take into account the dividends it was paying. If you are looking for information about ...
by CABob
Sat May 21, 2016 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Same or different Executors for Spouses?
Replies: 13
Views: 773

Re: Same or different Executors for Spouses?

Depending upon the age and maturity of children one may or may not want children in the executor chain.
by CABob
Sat May 21, 2016 11:29 am
Forum: Personal Consumer Issues
Topic: series/ movies filmed in your home town?
Replies: 87
Views: 2681

Re: series/ movies filmed in your home town?

Will this count? :confused As they were making the 1960 movie Spartacus they came to a Michigan State University "Spartan" pep rally and recorded some "sounds" that were supposed to be distant sounds coming from the city (Rome?). Some time later I saw the movie and I wasn't convi...
by CABob
Sat May 21, 2016 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Same or different Executors for Spouses?
Replies: 13
Views: 773

Re: Same or different Executors for Spouses?

My DW and I have each other as executors with children as contingent. I suspect that this is most common for married couples unless there are other considerations.
by CABob
Thu May 19, 2016 9:32 am
Forum: Investing - Help with Personal Investments
Topic: If TSM and SP500 are so alike, why even do TSM?
Replies: 49
Views: 4613

Re: If TSM and SP500 are so alike, why even do TSM?

This thread is rapidly degrading into a debate with no "right" answer so before it gets locked let me throw another idea into the pot. Nearly every mutual fund and ETF company has a S&P500 fund but TSM funds are a bit rarer especially in 401K retirement plans. So many investors must de...
by CABob
Wed May 18, 2016 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: If TSM and SP500 are so alike, why even do TSM?
Replies: 49
Views: 4613

Re: If TSM and SP500 are so alike, why even do TSM?

I keep hearing that TSM and SP500 are so much alike, either is fine. In that case, why not just stick with SP500 and nothing else? Why have ANY small caps at all? It seems to me that I could turn the question around and ask, "Since the TSM and S&P500 are so much alike why not stick with TS...
by CABob
Mon May 16, 2016 11:23 pm
Forum: Personal Consumer Issues
Topic: When do you use cash, when a credit card?
Replies: 49
Views: 4038

Re: When do you use cash, when a credit card?

My rule of thumb is generally about $10 unless there is a special reason to use a card (usually a debit card) for a small purchase or to use cash for a larger purchase.
by CABob
Sat May 14, 2016 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Index Fund & ? for Taxable Account
Replies: 6
Views: 520

Re: Index Fund & ? for Taxable Account

Stock funds in taxable account then adjust your tax advantaged holdings to keep your asset allocation where you want it.
by CABob
Sat May 14, 2016 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you stand on the age old debates?
Replies: 19
Views: 1931

Re: Where do you stand on the age old debates?

1. Agree now but did hold a small cap value fund up until a few years ago. 2. Agree 3. Disagree. I think that any one age 30 or above with a portfolio of $10K or greater should have an allocation to bonds. 4. Agree but you may find it also becomes part of your retirement funds. 5. Agree 6. Disagree ...
by CABob
Thu May 12, 2016 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Advice with Investing a Lump Sum and More
Replies: 7
Views: 578

Re: Advice with Investing a Lump Sum and More

Questions 1. One friend suggested that I leave my Fidelity investments alone (I did not provide him with the asset allocation details) but invest the rest of my money in Vanguard index funds, and he provided me with a link for a mutual fund portfolio recommendation. The website recommended a 4-fund...
by CABob
Thu May 12, 2016 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 163
Views: 25313

Re: Costco AMEX Transition - Costco has no answers

I'm not sure what a "Fidelity AMEX" is. I didn't think AMEX worked through other financial institutions like Visa or Master Card. I could be wrong! If I understand your comment I believe you are mistaken. I have an AMEX card that is also a Macy's Department Store card. I suspect that ther...
by CABob
Tue May 10, 2016 3:57 pm
Forum: Personal Consumer Issues
Topic: Coffee maker
Replies: 38
Views: 3586

Re: Coffee maker

MP173 wrote:Original poster here....

We ended up purchasing a Bunn Coffee Maker. Best one we have had so far. It takes about 3 minutes to brew an entire pot of coffee.

Ed

Good choice.
by CABob
Mon May 09, 2016 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: What's your take on this advisor situation (moving to another firm)? [Updated]
Replies: 16
Views: 1670

Re: What's your take on this advisor situation (moving to another firm)? [Updated]

Perhaps no problems interpreting but would still leave some questions in my mind. Typically when an advisor leaves a firm the original firm tries to keep the clients while the advisor also tries to keep the clients. I wonder if the same level of service will be provided if the advisor is moving from...
by CABob
Sun May 08, 2016 8:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY BIRTHDAY, MR. BOGLE! May 8, 2016
Replies: 52
Views: 3196

Re: HAPPY BIRTHDAY, MR. BOGLE! May 8, 2016

Best wishes for a happy birthday and the hope there will be many more in the future.
by CABob
Sun May 08, 2016 7:53 pm
Forum: Personal Consumer Issues
Topic: Thinking about moving to a big city
Replies: 20
Views: 2417

Re: city life for me

Age 67.5 Live in the medium size city (660K) of Denver. Have lived here for 35 years. Love it. 26 restaurants within 6 blocks of my house. 9 bars 4 coffee shops 3 grocery stores Not that I am counting. How many Edward Jones office locations? :twisted: At the age of 30 I would think that now may be ...
by CABob
Sat May 07, 2016 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: IRA RMD
Replies: 1
Views: 371

Re: IRA RMD

The "I" in IRA stands for "individual" so the answer is "no". Each of your must take your own RMD.
by CABob
Fri May 06, 2016 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Investing With a Trust
Replies: 10
Views: 999

Re: Investing With a Trust

I would think that mutual funds would be the only decent or practical option. How is it invested now? How much time administering it are you willing to devote? I would think that perhaps a Life Strategy or Target Retirement fund would be the easiest and likely to be well worth while for the next 10 ...
by CABob
Tue May 03, 2016 8:09 pm
Forum: Investing - Theory, News & General
Topic: Meaning of the label Market Timing?
Replies: 34
Views: 2361

Re: Meaning of the label Market Timing?

Investopedia's definition sounds about right to me.
Market timing is the act of attempting to predict the future direction of the market, typically through the use of technical indicators or economic data.
by CABob
Sun May 01, 2016 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone uses identity theft protection services?
Replies: 21
Views: 1625

Re: Anyone uses identity theft protection services?

Since the three major credit bureaus all use the same database of source information how much additional protection is provided by freezing three as compared to freezing one or two?
by CABob
Sun May 01, 2016 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Buy the Retirement House?
Replies: 17
Views: 1848

Re: Buying the Retirement House

I don't like to forecast housing markets but I think that if you are waiting for CA housing prices to "correct" lower it will be a very long wait. I am still waiting for my home's market value to get up to where it was 10 years ago. Is that true of all of Southern California, or just your...
by CABob
Sun May 01, 2016 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Buy the Retirement House?
Replies: 17
Views: 1848

Re: Buying the Retirement House

We want to be in a position to buy a home in CA if the housing market corrects there and homes become more affordable (perhaps 400k-500k). I don't like to forecast housing markets but I think that if you are waiting for CA housing prices to "correct" lower it will be a very long wait. I a...
by CABob
Fri Apr 29, 2016 2:25 pm
Forum: Investing - Theory, News & General
Topic: Major stock shareholder effect
Replies: 4
Views: 340

Major stock shareholder effect

I'm not into individual stock holdings in any big way but was just reading about Carl Icahn's decision to sell his Apple stock and its effect on the market price of Apple. http://www.thestreet.com/story/13551360/1/apple-aapl-stock-continues-to-decline-after-icahn-dumped-shares-jim-cramer-s-view.html...
by CABob
Fri Apr 29, 2016 10:02 am
Forum: Personal Consumer Issues
Topic: Wiper blade types?
Replies: 9
Views: 970

Re: Wiper blade types?

They make wiper blades designed for snow/ice, but I've never used them, and doubt you would need them in Southern California. I buy whatever beam style blades are on sale at the auto parts store (usually Autozone). I suspect that this is what was being referenced and you are correct that I can't im...
by CABob
Thu Apr 28, 2016 2:52 pm
Forum: Personal Consumer Issues
Topic: Wiper blade types?
Replies: 9
Views: 970

Wiper blade types?

There have been prior posts regarding wiper blades here but I don't recall this issue coming up. I recently was having the oil changed in my vehicle and remembered that the wiper blades were leaving streaks and exhibiting the usual characteristics of needing replacement so I asked to have them repla...
by CABob
Wed Apr 27, 2016 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Watch Out for Cancellation of Autopay on old Amex Costco Cards
Replies: 9
Views: 1103

Re: Watch Out for Cancellation of Autopay on old Amex Costco Cards

JaneyLH wrote:To clarify, I had set up my Amex Costco card account to automatically pay my Amex bill each month in full from my checking account. I had not used this card to automatically pay any other bills.

This is a bit strange since they canceled a potential payment coming to them.
by CABob
Wed Apr 27, 2016 11:27 am
Forum: Investing - Theory, News & General
Topic: Vanguard Manager Changes
Replies: 9
Views: 1025

Re: Vanguard Manager Changes

How much manager influence matter for index funds? Fund follow index, I would assume that all sampling done by computers. Which brings up the question in my mind, What does a manager of an index fund do? I'm not minimizing the administrative function but picking stocks and that sort of thing is no ...
by CABob
Wed Apr 27, 2016 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Watch Out for Cancellation of Autopay on old Amex Costco Cards
Replies: 9
Views: 1103

Re: Watch Out for Cancellation of Autopay on old Amex Costco Cards

HueyLD wrote:I thought the card won't be cancelled until 6/15?

I think you are correct that the card and account will be cancelled (I though the date was 6/20/16) but they apparently decided to cancel the autopay earlier.
by CABob
Fri Apr 22, 2016 1:18 pm
Forum: Investing - Theory, News & General
Topic: "The Index Card"
Replies: 19
Views: 2980

Re: "The Index Card"

I do wonder though, how this can be: "One of the more pathetic studies shows that the stocks that people sold outperformed the stocks that people bought." Since one would think stocks sold = stocks bought, so sales of outperforming stocks = purchases of outperforming stock. I also have so...
by CABob
Wed Apr 20, 2016 11:26 am
Forum: Investing - Theory, News & General
Topic: Should you follow the 4% rule?
Replies: 23
Views: 2956

Re: Should you follow the 4% rule?

I think the 4% rule is a reasonable "guideline" although recent market activity makes me think that a lower percentage would be safer. But this or any guideline should not be an excuse for spending more than what is reasonable under the circumstances. If one is down to eating cat food perh...
by CABob
Wed Apr 20, 2016 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Updating to "New" Vanguard Accounts
Replies: 9
Views: 1502

Re: Updating to "New" Vanguard Accounts

I have not been "invited" to convert yet. From what I have read on this forum I see no advantage to converting so I will not push the issue.
by CABob
Mon Apr 18, 2016 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: Target Day Fund & Asset Allocation
Replies: 9
Views: 715

Re: Target Day Fund & Asset Allocation

Rather than blindly accepting someone else's opinions on suitable asset allocation I an I suspect most on this forum would suggest that you independently decide on a suitable allocation based on your desires and factors and then if you decide on a target date fund ignore the dates and find one with ...
by CABob
Fri Apr 15, 2016 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: I'll be a Boglehead Friday. Any advice?
Replies: 93
Views: 6961

Re: I'll be a Boglehead Friday. Any advice?

He is a retired broker.... If you had said that in your first post this would have been a much different thread. In fact there was quite a bit of information regarding OP, the advisor, assets, etc. that had to be dug out but would have been pertinent to replies and advice had they been known earlie...
by CABob
Fri Apr 15, 2016 3:10 pm
Forum: Personal Consumer Issues
Topic: Tree swing questions
Replies: 15
Views: 803

Re: Tree swing questions

I suggest you review this before you start the project. :twisted:
by CABob
Fri Apr 15, 2016 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Meeting with a Fidelity Financial planner, is it useful?
Replies: 39
Views: 3822

Re: Meeting with a Fidelity Financial planner, is it useful?

I'm with Fidelity, How can i tell if i'm being charged an AUM. I do have a planner, see him once a year if that, do my own buying and selling.... On your statement there would be a charge or deduction for a fee. This might be annually, semi annually, or quarterly. I might be called an account maint...
by CABob
Fri Apr 15, 2016 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: ETF vs. index fund
Replies: 5
Views: 533

Re: ETF vs. index fund

It may depend on where your Roth is held. Purchase of an ETF may be less expensive with some discount brokers that charge a transaction fee for purchasing Vanguard funds. If the account is at Vanguard it doesn't make much difference since you can buy either at no cost.
by CABob
Wed Apr 13, 2016 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: I would like to know the tax efficient vanguard funds & etfs in order.
Replies: 13
Views: 1137

Re: I would like to know the tax efficient vanguard funds & etfs in order.

From the Wiki https://www.bogleheads.org/wiki/Tax-efficient_fund_placement Approximate Tax Efficiency Ranking for Major Asset Classes Efficient Low-yield money market, cash, short-term bond funds Tax-managed stock funds Large-cap and total-market stock index funds Balanced index funds Small-cap or m...
by CABob
Tue Apr 12, 2016 9:58 am
Forum: Personal Consumer Issues
Topic: Using stamps - getting the amount correct with new stamps?
Replies: 15
Views: 3761

Re: Using stamps - getting the amount correct with new stamps?

Has anyone figured out a way to tax loss harvest Forever postage stamps?
I understand that this is quite significant in that the last time there was a postage rate decrease was 1919.
by CABob
Sat Apr 09, 2016 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: fidelity recommended portfolios
Replies: 22
Views: 2023

Re: Source of Bogle quote for Abuss

This second part of Bogle quote is from the December 2, 2006 edition of The Wall Street JournaL : Best wishes. Taylor :oops: Leave it to Taylor to quote something from 2006. :confused I seem to recall Bogle recommending on a number occasions a 60/40 balanced index fund VBINX for a one fund portfoli...
by CABob
Fri Apr 08, 2016 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: fidelity recommended portfolios
Replies: 22
Views: 2023

Re: fidelity recommended portfolios

The first question I would ask is whether Fidelity or the advisor is making more money if you change to their recommended portfolio? The second question is whether their recommended portfolio significantly changes your asset allocation particularly your stock to bond ratio. Thirdly, I wonder how the...

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