Search found 4375 matches

by CABob
Sun Nov 19, 2017 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: [Switching from Target Date fund to 3-fund portfolio - How?]
Replies: 9
Views: 988

Re: [Switching from Target Date fund to 3-fund portfolio - How?]

I can't speak for Fido since I do not have an account with them, but at Vanguard it would be very easy online transactions. I would expect that Fido would be similar. At VG you would go to your Target Date fund online and make three exchanges from that fund into the three funds specifying the amount...
by CABob
Sun Nov 19, 2017 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: How to take income from IRA?
Replies: 8
Views: 524

Re: How to take income from IRA?

g) Take distributions in whatever manner maintains your desired asset allocation. Everything that is taken from a traditional tax deferred account will be taxed at your ordinary income tax rate. For this reason it is not important whether distributions come from capital gains, dividends or principle...
by CABob
Fri Nov 17, 2017 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Why did Vanguard drop TurboTax?
Replies: 16
Views: 3066

Re: Why did Vanguard drop TurboTax?

I don't know the answer but I suspect it had to do with getting an acceptable agreement with TurboTax. It was dropped at about the time TT was going through some organizational changes.
by CABob
Thu Nov 16, 2017 8:01 pm
Forum: Investing - Theory, News & General
Topic: Scottrade to TDA
Replies: 24
Views: 1829

Re: Scottrade to TDA

My local Scottrade office will be closed at the end of the year, and its employees laid off :( How did you hear about this? Is there a TDA office near to you? I also have been with Scottrade for a number of years and am taking a wait and see approach. I don't have a TDA office nearby so I was assum...
by CABob
Wed Nov 15, 2017 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: sell fidelity index mutual fund and replace with etf index for tax benefit?
Replies: 21
Views: 1719

Re: sell fidelity index mutual fund and replace with etf index for tax benefit?

Why does FSTVX have such high capital gains distributions while ITOT and Vanguard's VTSMX not have them?
by CABob
Wed Nov 15, 2017 2:21 pm
Forum: Investing - Theory, News & General
Topic: Taking RMD'S
Replies: 15
Views: 1505

Re: Taking RMD'S

jefmafnl wrote:
Wed Nov 15, 2017 12:50 pm
If one wishes to donate some (but not all) of the RMD: does Vanguard have a minimum?

J
I'm not sure, but I have made QCDs as low as $50.
by CABob
Mon Nov 13, 2017 10:30 am
Forum: Investing - Theory, News & General
Topic: Do you keep anything in your portfolio as a monument to your bad decisions?
Replies: 69
Views: 4755

Re: Do you keep anything in your portfolio as a monument to your bad decisions?

No. That would be quite irrational. If you wouldn't repurchase the position at the current price, how much you've lost on it over the years is entirely irrelevant. I've heard and used this statement myself, but is it also correct compare it to "If you were currently offered this stock at no cost, w...
by CABob
Sat Nov 11, 2017 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Target fund replacement with access to Admiral shares
Replies: 11
Views: 1240

Re: Target fund replacement with access to Admiral shares

As I look up the costs for the four component funds of the target date fund, it appears that they add up to .32% for the Admiral shares. Is this correct? I guess I’ll just have to pay the 60 bucks and stick with what I have. I think you have miscalculated the ER. You cannot just add the ERs of the ...
by CABob
Fri Nov 10, 2017 11:19 pm
Forum: Investing - Theory, News & General
Topic: Do you keep anything in your portfolio as a monument to your bad decisions?
Replies: 69
Views: 4755

Re: Do you keep anything in your portfolio as a monument to your bad decisions?

My real monument or reminder is a paper certificate (remember those?) (suitable for framing!) of a stock bought as a result of a cold calling broker that I followed through a couple of brokerage changes watching the stock go down and a reverse split. I eventually asked for the certificate because I ...
by CABob
Fri Nov 10, 2017 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Is using a Roth IRA for saving for a vacation in 10 years a good idea?
Replies: 11
Views: 821

Re: Is using a Roth IRA for saving for a vacation in 10 years a good idea?

I think that you may be tying yourself into something that will (or may) happen in 10 years. I suggest that you invest currently in a traditional IRA, Roth IRA, and perhaps a taxable account to the extent you can. Review your progress in five years and perhaps reevaluate. Then as you approach the ti...
by CABob
Fri Nov 10, 2017 2:40 pm
Forum: Investing - Theory, News & General
Topic: Do you keep anything in your portfolio as a monument to your bad decisions?
Replies: 69
Views: 4755

Re: Do you keep anything in your portfolio as a monument to your bad decisions?

My GE stock is getting close to that point! :( You beat me to it. Also I let them get away with hiring me as a contractor instead of as an employee. :oops: Another GE "investor" here. One of a small handful of stocks left over from my pre-Boglehead days. All have unrealized capital gains which make...
by CABob
Fri Nov 10, 2017 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Target fund replacement with access to Admiral shares
Replies: 11
Views: 1240

Re: Target fund replacement with access to Admiral shares

Holding the four funds that are currently in the target retirement fund would be good if you want an exact replacement. Wellington would be a change in philosophy in that you would be changing from index funds to a managed fund. Not a bad idea but a significant change.
by CABob
Thu Nov 09, 2017 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: VFIAX vs. VSMAX [Vanguard 500 Index vs. Small-Cap Index]
Replies: 6
Views: 558

Re: VFIAX vs. VSMAX

it looks like VSMAX did better over the last ten years... Since they are both index funds I don't think you should base a decision over past performance, even for 10 years. I would assume, although perhaps you should check, that they followed their respective indexes. The decision is whether you wa...
by CABob
Sun Nov 05, 2017 7:32 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1876
Views: 1157828

Re: The Three-Fund Portfolio

Right away, though, I have a question about rebalancing. I don't understand how this portfolio "automatically rebalances." Like everyone's portfolio in 2008, my equities decreased more than bond holdings and rebalancing required more money to stocks. 2008 is an exaggerated example, but a little dri...
by CABob
Sun Nov 05, 2017 12:43 pm
Forum: Investing - Theory, News & General
Topic: "Why You Should Choose Vanguard"
Replies: 4
Views: 808

Re: "Why You Should Choose Vanguard"

Nice article. I didn't learn much new but the reminder is always good. Would be a good reference to some of the questions that are posed on this forum. Thanks, Taylor.
by CABob
Fri Nov 03, 2017 7:19 pm
Forum: Investing - Theory, News & General
Topic: Complaint Resolution
Replies: 21
Views: 1286

Re: Complaint Resolution

I'm not sure you need to escalate the problem. You need to understand why it was "cancelled" and fix the problem perhaps dealing with a different rep.. It sounds as if you attempted to do something that was outside of the process and procedure VG follows. I am surprised the rep could not or did not ...
by CABob
Fri Nov 03, 2017 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Question Regarding Sweep Accounts
Replies: 7
Views: 608

Re: Question Regarding Sweep Accounts

I don't understand what has happened, but I think it is a question that should be directed to TDA for an explanation.
by CABob
Fri Nov 03, 2017 3:00 pm
Forum: Investing - Theory, News & General
Topic: MLB Signal?
Replies: 9
Views: 1060

Re: MLB Signal?

Should I double down or lighten up?
Yes! Or alternatively just stay the course which would be most Boglehead advice.
by CABob
Tue Oct 31, 2017 7:53 pm
Forum: Investing - Theory, News & General
Topic: Scottrade and TD Ameritrade
Replies: 6
Views: 716

Re: Scottrade and TD Ameritrade

Since I have had Scottrade account I have been assigned to 4 or more branch offices, only one of which I have visited. Existing TDA offices are a ways away so I don't expect to be reassigned as part of this merger, but who knows.
by CABob
Tue Oct 31, 2017 3:55 pm
Forum: Investing - Theory, News & General
Topic: Scottrade and TD Ameritrade
Replies: 6
Views: 716

Re: Scottrade and TD Ameritrade

I have a Scottrade account and have not seen or heard of any changes so far. I am waiting to see if any of the changes make me want me to change brokers.
by CABob
Mon Oct 30, 2017 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: What is the point of an ETF version of a total stock index fund?
Replies: 15
Views: 1071

Re: What is the point of an ETF version of a total stock index fund?

Why are you asking about total stock market funds specifically? The same question could be asked about any index fund that has both traditional mutual fund and ETF available. So this gets you back to the often asked and answered question about ETF and traditional fund. There is no one answer that ap...
by CABob
Sun Oct 29, 2017 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund vs. ETF(Total Bond Fund)
Replies: 9
Views: 668

Re: Mutual Fund vs. ETF(Total Bond Fund)

Account is at Scottrade. I noticed that Bond ETF (BND) has a Bid of 81.01 and Ask of 81.93. That seems like quite a large split. What price would you use as a limit on buying? Since the commission or transaction fee is $7 for the ETF and $75 (if my numbers are correct) for the Mutual Fund I would b...
by CABob
Sat Oct 28, 2017 12:43 pm
Forum: Personal Consumer Issues
Topic: Heavy Duty Boxes for long term storage
Replies: 6
Views: 517

Re: Heavy Duty Boxes for long term storage

Those are nice sturdy boxes and may be suitable. Given your circumstances personally I might be inclined to go with a latching box such as https://www.amazon.com/IRIS-Quart-Stack ... rage+boxes in a suitable size.
by CABob
Fri Oct 27, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: Limit on carrying physical cash during domestic US flights
Replies: 35
Views: 3330

Re: Limit on carrying physical cash during domestic US flights

nisiprius wrote:
Fri Oct 27, 2017 5:24 pm
https://www.tsa.gov/travel/security-scr ... tcanibring
The final decision rests with the TSA officer on whether an item is allowed through the checkpoint.
Now that a little bit scary to me. :confused
by CABob
Fri Oct 27, 2017 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: RMD distribution timing
Replies: 32
Views: 2495

Re: RMD distribution timing

Why do some places/sites call them "RMDs" (which I use) while others call them "MRDs"? Just adds to confusion IMO. I could be wrong but I think MRD is a term that Fidelity uses and since they are a large broker a lot of folks pick up their use of the term. OTOH most of the rest of the world includi...
by CABob
Fri Oct 27, 2017 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: RMD distribution timing
Replies: 32
Views: 2495

Re: RMD distribution timing

As a matter of fact my RMD is scheduled for today. Prior to today I have taken some QCDs and today's RMD will reflect the balance including withholding tax which hopefully will be approximately what will be owed for the year and at least enough to avoid any penalty. I prefer to take the RMD in a sin...
by CABob
Thu Oct 26, 2017 11:00 am
Forum: Investing - Theory, News & General
Topic: Can you own a share [of a person's future earnings?]
Replies: 19
Views: 1728

Re: Can you own a share of a person?

If you own a share of a person's future earnings can you sell all or a portion of that agreement?
by CABob
Tue Oct 17, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: Converting to Safety Razors
Replies: 116
Views: 11459

Re: Converting to Safety Razors

The Hydro is by far the best razor I've used. The blades are far enough apart it does not clog. The blades last a long time. They are so good, that I often dry shave my neck. Just wet the razor. I would never attempt that with some previous 3, 4 and 5 blade razors that were much more expensive than...
by CABob
Thu Oct 12, 2017 12:00 am
Forum: Investing - Theory, News & General
Topic: 10 year anniversary of the beginning of the Great Recession
Replies: 45
Views: 4370

Re: 10 year anniversary of the beginning of the Great Recession

Sometimes procrastination works out just fine. I wasn't paying close attention and after I realized what was happening I just stood there. Two and a half years later all was fine with the world.
by CABob
Tue Oct 10, 2017 11:19 am
Forum: Investing - Help with Personal Investments
Topic: admiral shares or investor shares?
Replies: 24
Views: 3026

Re: admiral shares or investor shares?

i am torn between investor shares & admiral shares.
This should never be the case if you are talking about different share classes of the same fund. If you own investor shares and the fund balance gets to the point you would qualify for admiral shares Vanguard would automatically convert them.
by CABob
Mon Oct 09, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with estate with no liquid assets and a house?
Replies: 17
Views: 1327

Re: How to deal with estate with no liquid assets and a house?

Our acquaintence is considering/planning on taking out a personal loan ($10,000 range) for various expenses of the house before sale. Of the possibilities discussed this seems like the least desirable. I would think it would be up to the executor to get this loan if needed. The idea of selling with...
by CABob
Sun Oct 08, 2017 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: SS Benefit checks?
Replies: 13
Views: 1840

Re: SS Benefit checks?

This is the Official calendar for when the SS payments are made depending on your birth date in the month. It will always be either the 2nd, 3rd, or 4th Wednesday of the month. https://www.ssa.gov/pubs/EN-05-10031-2017.pdf JW Except for some "old timers" who started receiving benefits prior to May ...
by CABob
Sun Oct 08, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Change for a $20 requires ID!!
Replies: 22
Views: 2366

Re: Change for a $20 requires ID!!

I am surprised. I have done similar transactions and have not been asked for ID. It was a bank at which I had an account but I don't think the teller knew that.
by CABob
Sat Oct 07, 2017 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: SS Benefit checks?
Replies: 13
Views: 1840

Re: SS Benefit checks?

Thanks for the replies. In another SSA publication I found - If the deceased was receiving Social Security benefits, you must return the benefit received for the month of death or any later months. For example, if the person dies in July, you must return the benefit paid in August. It seems to me th...
by CABob
Sat Oct 07, 2017 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: SS Benefit checks?
Replies: 13
Views: 1840

SS Benefit checks?

Are social security benefit checks for the current month or prior or following month?
If a person passes are they entitled to the check received in the month of their passing?
by CABob
Fri Oct 06, 2017 1:45 pm
Forum: Investing - Theory, News & General
Topic: SEC plans to approve Vanguard request to list actively managed ETFs
Replies: 13
Views: 1710

Re: SEC plans to approve Vanguard request to list actively managed ETFs

Does this increase the questions and discussions regarding the ETF vs. MF issue?
I don't think I will make any portfolio changes because of the new ETFs.
by CABob
Mon Oct 02, 2017 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: total noob question about 3 fund portfolio for my 401k
Replies: 10
Views: 632

Re: total noob question about 3 fund portfolio for my 401k

No, not a dumb question. In fact a number of forum posters do not include bonds in their portfolios. For the "why" I suggest you read/view the wiki section that addresses your question.
https://www.bogleheads.org/wiki/Video:_ ... h_bonds%3F
by CABob
Sun Oct 01, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: Bed Pillows
Replies: 15
Views: 1910

Re: Bed Pillows

DW and I have had My Pillows for a couple of years and are very happy with them. The concept seems to be similar to the COOP pillows.
I must admit that I am getting a bit tired of their commercials however. :annoyed
by CABob
Thu Sep 28, 2017 11:35 pm
Forum: Investing - Help with Personal Investments
Topic: Upgrade to Brokerage Account with Vanguard
Replies: 46
Views: 10742

Re: Upgrade to Brokerage Account with Vanguard

Dovetail wrote:
Thu Sep 28, 2017 10:46 pm
So far I'm not happy with the "Upgrade" because I can't direct my dividends to other funds as I could in the past, a feature I really liked.
Can you direct them to a money market or settlement fund?
by CABob
Sun Sep 24, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 8862

Re: Where do you get your news?

Call me old fashioned, but I subscribe to the print editions of two local/regional newspapers. I can't imagine not having a newspaper with my morning coffee. In addition I have a radio and/or TV on for several hours a day tuned to news channels. I do agree with the above poster who commented about t...
by CABob
Sun Sep 24, 2017 11:32 am
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead of another species
Replies: 9
Views: 1440

Re: Boglehead of another species

VictoriaF wrote:
Sat Sep 23, 2017 7:47 pm
If he were a true Boglehead these money would be in Vanguard, in a 3-fund portfolio.
He just received a windfall and has to check the forum to see what to do with it.
:P
by CABob
Fri Sep 22, 2017 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: anyone use debitize.com?
Replies: 2
Views: 384

Re: anyone use debitize.com?

It sounds as if they are getting the use of your money for a portion of the month. Not a lot of interest earned in a few days but peanuts making an elephant fat?
Just the idea of a company using my money for a while doesn't appeal to me.
And I don't see the advantage to the user.
by CABob
Fri Sep 22, 2017 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 8702

Re: Age you retired

63, 15 years ago.
to the OP, are you going to summarize or do something useful with the information?
by CABob
Thu Sep 21, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: Water Service Line Insurance
Replies: 17
Views: 1395

Re: Water Service Line Insurance

It appears to me that Service Line Warantees will provide service for several types of utilities and are not associated with a utility company. I have not heard of them but do occasionally get solicitations for similar services for telephone, sewer, gas, etc. I have declined and chose to self insure...
by CABob
Tue Sep 19, 2017 11:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 9487

Re: Bogleheads you would most like to meet and why?

I'm surprised that no one (unless I missed it) suggested Petro or at least his watch.
:)
by CABob
Sun Sep 17, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: Free credit monitoring for AAA members
Replies: 16
Views: 1913

Re: Free credit monitoring for AAA members

I signed up for the free ProtectMyID service through AAA several months ago. I periodically get an email from them to check my account which is really an opportunity for them to hustle their paid service. It is perhaps worth what I paid for it but no more.
http://www.protectmyid.com/
by CABob
Sat Sep 16, 2017 11:19 pm
Forum: Personal Consumer Issues
Topic: Hearing aid 101
Replies: 95
Views: 9493

Re: Hearing aid 101

...Hearing everything but without clarity is a brain processing issue that I think aids will not be the solution. The hearing test they give you in the booth is basically judging at what level you can still hear sound. But what good is that if you can not understand the conversation. I hate it when...
by CABob
Wed Sep 13, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: Hearing aid 101
Replies: 95
Views: 9493

Re: Hearing aid 101

I guess I forgot to mention that I already have hearing aids and the problems described are while wearing them. I got them at Costco. I've been back for one adjustment and will probably go back again, but as of now I can't see that they are helping a lot. Since this thread was brought back again I ...
by CABob
Tue Sep 12, 2017 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Trustee for supplemental needs trust
Replies: 7
Views: 694

Re: Trustee for supplemental needs trust

In addition to talking with the lawyer who prepared the document, since your father is still with you I suggest you have a conversation with him to find out what he intended with the will and trust provision.