Search found 3991 matches

by CABob
Wed Jul 20, 2016 5:57 pm
Forum: Personal Consumer Issues
Topic: Removing Broken Bolts
Replies: 45
Views: 2537

Re: Removing Broken Bolts

I think that I must have right hand drill bits. Why would a left hand drill bit work better to remove a bolt. I watched a video with a guy who tapped a hole but the surface was almost flat. I doubt my surface is flat. If I can manage to tap a hole, how would I use the left handed drill bit? Should ...
by CABob
Wed Jul 20, 2016 11:26 am
Forum: Personal Consumer Issues
Topic: Removing Broken Bolts
Replies: 45
Views: 2537

Re: Removing Broken Bolts

I think that I must have right hand drill bits. Why would a left hand drill bit work better to remove a bolt. I watched a video with a guy who tapped a hole but the surface was almost flat. I doubt my surface is flat. If I can manage to tap a hole, how would I use the left handed drill bit? Should ...
by CABob
Tue Jul 19, 2016 7:32 pm
Forum: Personal Consumer Issues
Topic: Removing Broken Bolts
Replies: 45
Views: 2537

Re: Removing Broken Bolts

It sounds to me as if the bolt threads have been galled or corroded to an extent that the bolts have sheared off in trying to remove them. I'm not sure penetrating oil and e-z-outs will cure the problem.
by CABob
Mon Jul 18, 2016 11:54 am
Forum: Investing - Help with Personal Investments
Topic: cannot wrestle IRA from custodian. Help?
Replies: 33
Views: 2657

Re: cannot wrestle IRA from custodian. Help?

I see that Millennium is under the regulations of the State of Illinois. I wonder if contacting the IL Dept. of Financial Regulation might be fruitful? https://www.idfpr.com/
by CABob
Sun Jul 17, 2016 11:44 am
Forum: Personal Consumer Issues
Topic: Retired a year - big loss [ :) ]
Replies: 25
Views: 4881

Re: Retired a year - big loss [ :) ]

Watty wrote:I'm down 40 pounds since I retired last July!
May I suggest you don't count your chickens too soon. The first year or two of my retirement I settled in to a comfortable weight and maintained it for quite a while. Now about 12 years later some of that weight is coming back plus some more.
:annoyed
by CABob
Fri Jul 15, 2016 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Getting rid of Credit cards
Replies: 34
Views: 2837

Re: Getting rid of Credit cards

Your advice sounds very particle. One question, does one need a Master card today? Once it was advantageous to have both and Discover.

Almost all businesses these days accept both Visa and MasterCard but not necessarily Discover and Amex.
by CABob
Thu Jul 14, 2016 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: ETF's through Ameritrade for Admiral Share Prices?
Replies: 20
Views: 1048

Re: ETF's through Ameritrade for Admiral Share Prices?

For this amount of money and your intent of holding index funds (good idea) I suggest you reconsider transferring the account to Vanguard. Admiral shares can be purchased or exchanged (rebalancing?) at no cost and all of the usual recommendations for Vanguard would apply. This may seem like a lot of...
by CABob
Wed Jul 13, 2016 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: 12B-1 Fees [who receives them?]
Replies: 1
Views: 121

Re: 12B-1 Fees [who receives them?]

Maybe both. My understanding is that the fee goes to the fund custodian but they may share the fee with anyone involved in marketing shares of the fund such as a broker. Information perhaps of interest : http://www.investopedia.com/articles/mutualfund/13/12b1-understanding-mutual-fund-fees.asp?ad=di...
by CABob
Mon Jul 11, 2016 10:07 am
Forum: Personal Finance (Not Investing)
Topic: closing out credit cards that aren`t used effecting your credit score
Replies: 7
Views: 783

Re: closing out credit cards that aren`t used effecting your credit score

There is a bit of black magic about credit scores that make it somewhat difficult to specifically answer your question but I think it is likely that your credit score could be affected by closing out an account. This might affect your total credit available which in turn lowers your credit utilizati...
by CABob
Sun Jul 10, 2016 7:40 pm
Forum: Personal Consumer Issues
Topic: Any foresters out there
Replies: 9
Views: 1913

Re: Any foresters out there

What will you do with the property after the trees are gone?
by CABob
Sat Jul 09, 2016 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Getting rid of Credit cards
Replies: 34
Views: 2837

Re: Getting rid of Credit cards

Are you getting any reward or rebates from any of the cards? This forum has an interest in them any I would think you should at least consider that as a factor in deciding.
Other factors would be age of account, credit limit, and cost to keep account.
by CABob
Sat Jul 09, 2016 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to give money to people and get a tax deduction?
Replies: 12
Views: 1242

Re: How to give money to people and get a tax deduction?

Chicken lady wrote: Sorry to say that I couldn't get into the wsj article - sounded very interesting and am interested in a model of how it's done.

This link may get you by the WSJ wall.
by CABob
Sat Jul 09, 2016 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Open a Vanguard account in addition to my Scottrade?
Replies: 12
Views: 638

Re: Open a Vanguard account in addition to my Scottrade?

I have had a Scottrade account for a number of years where I hold a few individual stocks and ETFs. I also have a Vanguard account where I hold a number of Vanguard funds. I am quite satisfied with that arrangement and if I were to want to simplify I would probably close the Scottrade account and st...
by CABob
Fri Jul 08, 2016 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 176
Views: 28796

Re: Liking the new Citi CC at Costco

I am not so sure about this new card. I had a balance due on my old Amex. The due date was after the cut-over to the new Visa. Well, I waited for Citi to send me a statement with payment instructions since I did not want to send money to Amex since they basically cut me off on June 20. Now Citi ind...
by CABob
Fri Jul 08, 2016 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: What does "maxing out retirement savings" mean?
Replies: 19
Views: 2023

Re: What does "maxing out retirement savings" mean?

To me it would be d) but for some that would perhaps only include b) since many would not be eligible to contribute to a deductible or Roth IRA.
But I suppose the real answer is whatever the speaker intends and if the distinction is important they should explain.
by CABob
Thu Jul 07, 2016 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Best Online Broker - Fidelity- According to Kiplinger's
Replies: 10
Views: 837

Re: Best Online Broker - Fidelity- According to Kiplinger's

Best for retirees - Vanguard

I don't think I understand this one.
by CABob
Thu Jul 07, 2016 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 176
Views: 28796

Re: Liking the new Citi CC at Costco

Clarification needed. I have been using Costco Travel a bit lately. As I understand it, Visa will give me 3% whether the travel agent is Costcotravel or someone else. Then, what does this disclaimer mean: Travel purchases are not included in the Executive Membership annual 2% reward. Executive memb...
by CABob
Thu Jul 07, 2016 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Employer contribution-yearly vs biweekly
Replies: 13
Views: 985

Re: Employer contribution-yearly vs biweekly

Is this a match to your contributions or a stand alone employer contribution regardless of your contribution? If the later I think it is quite common to do it that way for companies that have that feature.
In any case I think a 6.5% is quite generous and you probably shouldn't be complaining.
by CABob
Thu Jul 07, 2016 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Best Online Broker - Fidelity- According to Kiplinger's
Replies: 10
Views: 837

Re: Best Online Broker - Fidelity- According to Kiplinger's

I have a Vanguard account but not Fidelity so can't really compare. One of the side notes to the print article provided some additional insight into their ratings that I found interesting: Best for mutual funds - Fido Best for ETFs = Schwab Best for active traders - Merrill Edge Best for mobile acce...
by CABob
Tue Jul 05, 2016 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: IRS address, bangs head on counter
Replies: 10
Views: 1507

Re: IRS address, bangs head on counter

This link may be useful in finding a local office although I had some difficulty in getting the search engine to work.
by CABob
Tue Jul 05, 2016 10:04 pm
Forum: Investing - Theory, News & General
Topic: "Less is More"
Replies: 15
Views: 2976

Re: "Less is More"

I do find it interesting and somewhat dismaying the number of funds offered in retirement plans. When I was first exposed to an employee stock savings plan (later to become 401k) there were three choices. They were a stock fund, bond fund, and employers stock. Being young and ignorant with no intere...
by CABob
Sun Jul 03, 2016 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Living Trust ($495)- SoCal
Replies: 21
Views: 1774

Re: Living Trust ($495)- SoCal

I have no knowledge about this firm. I would worry about what you would get with this firm. They may be trustworthy but I expect that they would be cookie cutter documents. From personal experience and things I have heard the costs of trusts and the related documents typically start at about three t...
by CABob
Sun Jul 03, 2016 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: EE Savings Bonds through payroll deduction
Replies: 16
Views: 1162

Re: EE Savings Bonds through payroll deduction

Thanks. The comments helped. I think I may just go every other month (the beginning of every other month) to the bank. The loss seems small. I'm calculating: $450 * .02 = $9/12 months = $0.75 loss * 6 times per year = $4.50 year before federal taxes. Although the bonds yield 4%, I can't get 4% on t...
by CABob
Sun Jul 03, 2016 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: What is your credit card APR?
Replies: 40
Views: 1662

Re: What is your credit card APR?

13.5%
24.75
14.49
26.99
15.99
22.15
by CABob
Sun Jul 03, 2016 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Withdrawal strategies for non-rebalancers?
Replies: 20
Views: 1483

Re: Withdrawal strategies for non-rebalancers?

Some would prefer to assess the relative overvaluation of stocks vs. bonds independently of how their mix shifted over time. If that is the case that you would deal with asset shifts in another way at another time then the withdrawal strategies don't matter much do they? Personally I do consider my...
by CABob
Fri Jul 01, 2016 2:08 pm
Forum: Investing - Theory, News & General
Topic: TRD's, Asset Allocation & a bit of frustration!
Replies: 5
Views: 437

Re: TRD's, Asset Allocation & a bit of frustration!

Perhaps you are overthinking the situation. I suggest you pick the TR fund that is closest to the AA you desire. If the percentages are off by a couple of points the effect is most likely in the noise level. Keep contributing then check the fund in five years or so. If the percentages are still abou...
by CABob
Thu Jun 30, 2016 10:03 am
Forum: Personal Consumer Issues
Topic: Why is everyone up in arms about Costco's credit transition?
Replies: 65
Views: 5273

Re: Why is everyone up in arms about Costco's credit transition?

CABob, Did you receive a statement dated 6/16 from Amex? Yes Were you on AutoPay with Amex? No Have you signed up for online access to Citi? Yes Does the Citi website show your statement balance and due date? Yes but does not provide any details of the transactions (charges from the Amex) prior to ...
by CABob
Wed Jun 29, 2016 11:16 pm
Forum: Personal Consumer Issues
Topic: Why is everyone up in arms about Costco's credit transition?
Replies: 65
Views: 5273

Re: Why is everyone up in arms about Costco's credit transition?

Imperabo wrote:
CABob wrote:I'm not up in arms, just wondering how and where to pay my final bill from Amex. :confused


I believe your balance should be transferred to the new card.

I expect that you are correct. It appears that the billing cycle ended on 6/16 so I should receive something from the Visa card soon.
by CABob
Wed Jun 29, 2016 8:27 pm
Forum: Personal Consumer Issues
Topic: Why is everyone up in arms about Costco's credit transition?
Replies: 65
Views: 5273

Re: Why is everyone up in arms about Costco's credit transition?

I'm not up in arms, just wondering how and where to pay my final bill from Amex. :confused
by CABob
Tue Jun 28, 2016 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Fund that Follows S&P?
Replies: 11
Views: 1218

Re: Vanguard Fund that Follows S&P?

... as for bonds, have always been told by others that since I am still on the younger side that i don't need to do bonds much and can tolerate the risk of the stock market. ?? May I suggest that you not rely on what you have been told by others but study the potential impact for you and your speci...
by CABob
Tue Jun 28, 2016 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Stupid Question [What type of Vanguard account should I open?]
Replies: 12
Views: 1369

Re: Stupid Question [What type of Vanguard account should I open?]

So rather than be forced to open an IRA, I can open a brokerage account to purchase Vanguard Mutual funds? Are there higher fees or other drawbacks to a brokerage account? To clarify some terms, you can open an IRA (if eligible) or a personal taxable account. In either case it sounds as if the acco...
by CABob
Tue Jun 28, 2016 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Stupid Question [What type of Vanguard account should I open?]
Replies: 12
Views: 1369

Re: Stupid Question

I opened my Vanguard (non-retirement) account in Dec of 2015 to invest in MFs. I had to open the new "combo" brokerage account. I believe everyone is gradually getting converted to this new universal account type and all new (non-retirement) accounts are of this style. Thanks for confirmi...
by CABob
Mon Jun 27, 2016 11:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard mutual fund requirement
Replies: 32
Views: 2353

Re: Vanguard mutual fund requirement

It's just that the minimum for VTSMX at $3000 is too high for me at the moment since I graduated college not too long ago, but I dislike the Target Retirement Fund since I want to have total control of the asset allocation of my portfolio and to choose which funds I want. That's the only reason I w...
by CABob
Mon Jun 27, 2016 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: Stupid Question [What type of Vanguard account should I open?]
Replies: 12
Views: 1369

Re: Stupid Question

Unless things have changed you don't need to open a brokerage account to purchase Vanguard mutual funds. If you want to buy individual stocks, mutual funds from another company, or ETF's, then I think you would need a brokerage account. I guess I don't know for sure but I suspect that things have c...
by CABob
Mon Jun 27, 2016 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Changing from annuity to low cost adviser
Replies: 4
Views: 424

Re: Changing from annuity to low cost adviser

You have two separate issues. One is whether you should pay the penalty and get out of an annuity and the other is whether you should go with a paid advisor. To me these are two different issues and should be addressed as such. Cashing out an annuity may be a good idea if in fact you can recover the...
by CABob
Mon Jun 27, 2016 11:56 am
Forum: Forum Issues and Administration
Topic: How do you post a column aligned table of data ?
Replies: 10
Views: 415

Re: How do you post a column aligned table of data ?

Requesting additional information or clarification. I get:

Code: Select all

     1       2            3       4
    11      22          33     44
  111     222        333   444

What am I missing?
by CABob
Mon Jun 27, 2016 9:58 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1533
Views: 785503

Re: The Three-Fund Portfolio

Kitty Telltales wrote:Thanks CABob1 I see that they make the suggestion due to minimum investment amounts, but is it really the same? I should be reading the fine print before hitting buy, I know. :wink: :wink:

Perhaps this link about share classes will be informative.
by CABob
Mon Jun 27, 2016 9:15 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1533
Views: 785503

Re: The Three-Fund Portfolio

Kitty Telltales wrote:While placing an order for VTSMX, the Vanguard site asked if I would like to change it the Total Stock Market Index Admiral 0585 due to lower costs. Would the Bogleheads advice this switch?

Yes, no question about it. You get a lower expense ratio and no downside.
by CABob
Thu Jun 23, 2016 10:22 pm
Forum: Personal Consumer Issues
Topic: My first smartphone
Replies: 17
Views: 2032

My first smartphone

A few years ago at least partially based on advice and opinions from this forum I changed my cell phone provider from Verizon to Page Plus for my flip phone. Since I am a low usage customer I have one of PP low cost pay-as-you-go plans and have been very satisfied with my thriftiness and haven’t see...
by CABob
Thu Jun 23, 2016 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 176
Views: 28796

Re: Liking the new Citi CC at Costco

It seems to me that Costco membership and the CC used for Costco purchases are two separate and distinctive issues. If you and roommate were members before your membership will continue. The issue of a credit card is a separate issue.
by CABob
Wed Jun 22, 2016 10:54 pm
Forum: Personal Consumer Issues
Topic: best wristwatch for the price
Replies: 87
Views: 4633

Re: best wristwatch for the price

I've gotten so I am uncomfortable wearing a watch most of the time, but a few years ago I was attracted to Skagen watches and bought one. I think they are attractive and many of them quite thin rather than bulky like many these days. It appears that prices start at a bit above $100 and go up from th...
by CABob
Wed Jun 22, 2016 11:51 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1533
Views: 785503

Re: The Three-Fund Portfolio

Hi Taylor, Do you think Vanguard will ever go back to the Three Fund Portfolio? I'm not Taylor but what do you mean by Vanguard going back? The have had and will continue to have all of the "ingredients" for the 3-fund. Or are you referring to their target date and Life Strategy funds whe...
by CABob
Wed Jun 22, 2016 10:17 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle interview
Replies: 5
Views: 671

Re: Jack Bogle interview

In PBS Frontline The Retirement Gamble the narrator kept saying "Jack Bogle", then they'd show him talking and the caption on the bottom of the TV screen would say "John Bogle" And if I recall correctly, on the recent Vanguard Webinar the moderator referred to him as Mr. Bogle. ...
by CABob
Tue Jun 21, 2016 8:22 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle interview
Replies: 5
Views: 671

Jack Bogle interview

This is an interview with Jack Bogle by AAII. A lot of it is the same old, same old, but I never tire hearing it. Some of it is similar to the Vanguard Webinar that was recently done and discussed here. http://www.aaii.com/journal/article/achieving-greater-long-term-wealth-through-index-funds?a=week...
by CABob
Tue Jun 21, 2016 10:30 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1533
Views: 785503

Re: "He Has Read Over 250 Investing Books"

Taylor Larimore wrote:Bogleheads:

Another nice article about The Three Fund Portfolio:

HE HAS READ OVER 250 INVESTING BOOKS

Best wishes.
Taylor

Yes, a nice article about a nice gentleman. Thank you Taylor.
by CABob
Mon Jun 20, 2016 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX almost dead -- balance paid early?
Replies: 34
Views: 2919

Re: Costco AMEX almost dead -- balance paid early?

It appears to me that the transition is going reasonably well. Perhaps things that occurred within a few days prior to June 20 (statements, renewals, etc.) might have been improved upon. In my case my Amex monthly statement was available on 6/16 then disappeared on 6/20.
by CABob
Mon Jun 20, 2016 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX almost dead -- balance paid early?
Replies: 34
Views: 2919

Re: Costco AMEX almost dead -- balance paid early?

I just tried to get to my Amex account online and it tells me "unable to display". Either my account is now dead or the site is getting slammed. But I was able to log on to my Citi card and sure enough it appears that the Amex balance due has been transferred to Citi. I also have a Citi Do...
by CABob
Sun Jun 19, 2016 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Former company controlling an 401K??
Replies: 5
Views: 828

Re: Former company controlling an 401K??

He left his 401K with his former company - never rolled it over. Last I heard is he is closing it out, paying the 10% penalty, & of course suffering the consequences of the funds now reported as ordinary income. He should avoid cashing it out if possible. He may be able to roll it over to his c...
by CABob
Sun Jun 19, 2016 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX almost dead -- balance paid early?
Replies: 34
Views: 2919

Re: Costco AMEX almost dead -- balance paid early?

I thought I understood the process for transferring from Costco AMEX to Visa but now after reading some of the above posts I'm not so sure. I accessed my Amex account online where I saw a statement with a closing date of 6/16/16 and a payment of $xx.xx due by 7/11/16. Some of the above posts indicat...

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