Search found 4330 matches

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: 60
Views: 2740

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: 15
Views: 1508

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: 8842

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: 8842

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: 516

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.
by CABob
Tue Sep 12, 2017 12:43 pm
Forum: Personal Consumer Issues
Topic: What do you do in slow travels?
Replies: 55
Views: 3955

Re: What do you do in slow travels?

You might find interesting the book, A Year of Sundays, which is about a couple (and cat) spending a year in Europe at a limited number of locations.
by CABob
Mon Sep 11, 2017 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: ROI [which funds have the best returns last 20 years?]
Replies: 6
Views: 640

Re: ROI [which funds have the best returns last 20 years?]

Nobody knows which funds will perform best going forward. Google for the Callan Periodic Chart. It's a very informative graphic that lists a large number of asset subclasses in order of performance over the last twenty years. It is a graphic presentation of the fact that there is no predictability ...
by CABob
Sat Sep 09, 2017 7:36 pm
Forum: Investing - Theory, News & General
Topic: "Fear of Finance?" AARP interview with Jack Bogle
Replies: 37
Views: 5006

Re: "Fear of Finance?" AARP interview with Jack Bogle

Ah.. the old double cover trick :happy And what was on page 54?
by CABob
Sat Sep 09, 2017 5:19 pm
Forum: Investing - Theory, News & General
Topic: "Fear of Finance?" AARP interview with Jack Bogle
Replies: 37
Views: 5006

Re: "Fear of Finance?" AARP interview with Jack Bogle

Mr. Bogle's interviews have stayed the same for a few years. His big change was saying up to 20% foreign is OK, it used to be none. I found the cover for September AARP magazine but not the article. It is the August/September 2017 issue with Jessica Lange on the cover. I just received my copy today...
by CABob
Fri Sep 08, 2017 2:00 pm
Forum: Investing - Theory, News & General
Topic: "Fear of Finance?" AARP interview with Jack Bogle
Replies: 37
Views: 5006

Re: "Fear of Finance?" AARP interview with Jack Bogle

Taylor Larimore wrote:
Thu Sep 07, 2017 1:59 pm
Bogleheads:

I recently subscribed for AARP membership. ,,,,
I can't help but wonder what prompted you to join AARP at this time.
Did you realize you met their age restriction?
Did you finally admit that you are retired?
:twisted: :P
by CABob
Wed Sep 06, 2017 1:25 pm
Forum: Investing - Theory, News & General
Topic: should my emergency fund be part of my cash AA?
Replies: 8
Views: 478

Re: should my emergency fund be part of my cash AA?

It can be done either way just don't forget about it. It is perhaps easier to not include it with investing asset allocation since the EF is generally sized as a dollar amount rather than a percentage while one generally looks at percentages for AA purposes of investments.
by CABob
Sun Sep 03, 2017 11:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 15861

Re: [Are the Bogleheads] getting less interesting?

tavore wrote:
Sun Sep 03, 2017 11:17 pm
I'm mostly here when the "Stocks in Freefall" thread pops back. :twisted: That's never boring.
Are you like me and click that message before I realize that it is a thread that was started four years ago? :confused :confused
by CABob
Thu Aug 31, 2017 7:48 pm
Forum: Personal Consumer Issues
Topic: Best lubricant for exterior door locks
Replies: 27
Views: 2619

Re: Best lubricant for exterior door locks

There isn't any problem when the door is held open. Turn the key and you can watch the deadbolt go back and forth. It's only when the door is closed that the problems arise. This makes me think that perhaps the bolt itself needs a lubricant also. I usually use a white lithium grease on them when th...
by CABob
Thu Aug 31, 2017 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge account being closed/Vanguard Flagship transfer
Replies: 13
Views: 1646

Re: Merrill Edge account being closed/Vanguard Flagship transfer

2. They could send me the stock certificates for all my holdings (this is the default option)
This surprises me. I thought most brokers were resisting certificates and would prefer almost anything else.
by CABob
Wed Aug 30, 2017 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct for $13.50
Replies: 41
Views: 3172

Re: TaxAct for $13.50

I just did a quick search of the TurboTax and H&R Block sites and it appears that the cost of tax applications has gone up for all of them.
by CABob
Wed Aug 30, 2017 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: QCDs from Vanguard
Replies: 38
Views: 2341

Re: QCDs from Vanguard

FYI--you can write your own QCD checks on your Vanguard or Fidelity IRA account. If you do it this way, VG or Fido won't withdraw the amount from your account until after the check has been cashed. I also find it a lot simpler to write my own checks, rather than calling VG to do it. YMMV I don't kn...
by CABob
Wed Aug 30, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct for $13.50
Replies: 41
Views: 3172

Re: TaxAct for $13.50

I’ve filed my income taxes with TaxAct for the last couple of years, and today I received an email from them offering TaxAct Plus for filing my 2017 federal income taxes for $13.50. The state return will be extra, at a price that hasn’t been announced. I signed up right away. The offer expires on S...
by CABob
Wed Aug 30, 2017 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Preparing for RMD
Replies: 9
Views: 777

Re: Preparing for RMD

There is no need to necessarily change her reinvestment option. The RMD can be taken from whatever fund or funds she chooses. Many years I have taken RMD proportionally from all of my funds. This has a possible advantage of not significantly changing your asset allocation.
by CABob
Tue Aug 29, 2017 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: QCDs from Vanguard
Replies: 38
Views: 2341

Re: QCDs from Vanguard

If there are any abuses regarding QCD reporting, the simple solution would be for the IRS to assign a unique Box 7 distribution code for QCDs. It is logical that there was no such code while QCDs expired every other year, but once they were made permanent it would have been logical to assign a code...
by CABob
Tue Aug 29, 2017 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Two Issues for New Investor [portfolio help, move fund to Vanguard]
Replies: 26
Views: 1530

Re: Two Issues for New Investor

OP, is the money you received from your Grandmother a gift or inherited? My apologies, my memory was shady for a moment. I believe she gifted me $10k, and my mother set me up with a Roth IRA custodial account with her as the custodian. Currently figuring out what steps need to be taken to put me in...
by CABob
Mon Aug 28, 2017 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: QCDs from Vanguard
Replies: 38
Views: 2341

Re: QCDs from Vanguard

Based on my experience the information you have received is correct. If you take a QCD withdrawal you should have Vanguard recalculate the balance of the RMD. Then you can reschedule the final RMD changing if necessary your tax withholding etc. From one of your account view pages go to the link at t...
by CABob
Sun Aug 27, 2017 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Is there anyway out of company's defined contribution plan
Replies: 12
Views: 817

Re: Is there anyway out of company's defined contribution plan

It is possible but unlikely and depends on the provisions of the employers plan.
by CABob
Sun Aug 27, 2017 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Worth exchanging Target Retirement in taxable for tax-efficiency?
Replies: 9
Views: 528

Re: Worth exchanging Target Retirement in taxable for tax-efficiency?

a) Sell all of them and incur capital gains, but stop paying taxes on dividends. What do you mean by this? If you replace the target date fund with its constituent parts (even minus taxable bonds), you will still pay taxes on dividends issued. You are correct but the dividends from the equity porti...
by CABob
Thu Aug 24, 2017 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for diversification with Vanguard. Need advisor service or self manage?
Replies: 8
Views: 840

Re: Advice for diversification with Vanguard. Need advisor service or self manage?

Some thoughts: Don't ignore completely your 403b accounts. Any discussion about overall asset allocation should look at all accounts. That doesn't mean that you should make changes to the 403b accounts, but changes to your Vanguard accounts should factor them in. I like the recommendations provided ...
by CABob
Mon Aug 21, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: "Forget Tough Passwords: New Guidelines Make It Simple"
Replies: 43
Views: 5416

Re: "Forget Tough Passwords: New Guidelines Make It Simple"

What is the reason or logic behind requiring a password to be changed often? It seems to me that if a hacker is going to get into a password protected account they would have to do it once and it wouldn't make any difference whether the password had been in effect or two days or two years. And once ...
by CABob
Mon Aug 21, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Finding Life Insurance for "High-Risk" Mother
Replies: 25
Views: 2391

Re: Finding Life Insurance for "High-Risk" Mother

I assume you do not want to share family issues, but some would need to know a bit more about the nature of the "disappointing conversation" with your mother in order to advise. I also repeat the question above asking why you need life insurance. If the insurance is for final arrangements you might ...
by CABob
Sun Aug 20, 2017 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about trust
Replies: 3
Views: 470

Re: Questions about trust

Perhaps the first question should be whether you need a trust to accomplish your desires. At first glance I would wonder whether you can accomplish what you want using a will and transfer on death designations.
by CABob
Sun Aug 20, 2017 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Advantages of Having No Credit Score
Replies: 42
Views: 3029

Re: Advantages of Having No Credit Score

Now I'm left wondering if having no score has any advantages. The obvious ones are: "Score" can't drop Less damage due to identity theft I'm not sure that the fact that no score can't drop is an advantage. I'm also not sure that there is less of an impact from identity theft. Bottom line is that I ...
by CABob
Sat Aug 19, 2017 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: RMD taxation taken in December
Replies: 12
Views: 1131

Re: RMD taxation taken in December

Taylor - When you take your RMDs does the Vanguard system ask you the amount you want withheld or does it ask you the percentage you want withheld? I seem to remember it asks the percentage, but I may be incorrect. Regards, I'm going from memory but I think you can specify the taxes withheld either...
by CABob
Wed Aug 16, 2017 6:34 pm
Forum: Personal Consumer Issues
Topic: Credit score dropped 100 points overnight
Replies: 31
Views: 2952

Re: Credit score dropped 100 points overnight

Do you use CreditKarma? It's really good. I have enrolled in Credit Karma and check my score one in a while. I am amused that I often get a reminder that I should check my score since something has been reported that has changed the score. When I log on there is a notice that I have paid off a CC b...
by CABob
Wed Aug 16, 2017 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: S&P 500
Replies: 3
Views: 610

Re: S&P 500

And here is a list of the S&P500 stocks.
by CABob
Sun Aug 13, 2017 10:23 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Target Retirement 2010 to merge
Replies: 4
Views: 1798

Re: Vanguard Target Retirment 2010 to merge

EHEngineer wrote:
Sun Aug 13, 2017 11:30 am
Does anyone know the merge date and share exchange ratio between (or prices of) the target retirement 2010 fund (VTENX) and the target retirement income fund (VTINX)?
Exchange date was 7/21/17. NAV for income fund was $13.38. NAV for 2010 fund was 25.55.
by CABob
Sun Aug 13, 2017 1:42 pm
Forum: Forum Issues and Administration
Topic: Please consider setting a time limit of 15 minutes to edit a post
Replies: 31
Views: 2845

Re: Please consider setting a time limit of 15 minutes to edit a post

I hope the Advisers and Moderators will give some consideration to this matter. Personally I have some mixed emotions because I see some significant differences in what are being called "edits". Correcting typos, misspells, grammar and the like should be allowed but probably a time limit would not h...
by CABob
Sat Aug 12, 2017 1:43 pm
Forum: Forum Issues and Administration
Topic: SITE OFFLINE SATURDAY 10 AM Eastern (14:00 UTC) - software upgrade
Replies: 12
Views: 1162

Re: SITE OFFLINE SATURDAY 10 AM Eastern (14:00 UTC) - software upgrade

I see that there is a sorting and display option at the bottom of the page. Is that new?
by CABob
Sat Aug 12, 2017 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend Paying stocks
Replies: 33
Views: 3359

Re: Dividend Paying stocks

CAT, GE, HII, MCD, NOC, & T. I've owned them so long I've forgotten why. I would much rather own a couple of index funds so I am now trying to figure out how to get rid of them without paying capital gains tax. :annoyed
by CABob
Fri Aug 11, 2017 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Diversification quantified as number of stocks in fund
Replies: 11
Views: 636

Re: Diversification quantified as number of stocks in fund

That seems like a wide range of ERs for the TRP Retirement funds. Are you sure those numbers are correct? I just double-checked. Below are numbers from T. Rowe Price's website. Target Net Gross 2005 0.45% 4.78% 2010 0.44% 1.20% 2015 0.47% 0.97% 2020 0.51% 0.63% 2025 0.54% 0.73% 2030 0.57% 0.67% 203...
by CABob
Fri Aug 11, 2017 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Diversification quantified as number of stocks in fund
Replies: 11
Views: 636

Re: Diversification quantified as number of stocks in fund

That seems like a wide range of ERs for the TRP Retirement funds. Are you sure those numbers are correct?
by CABob
Fri Aug 11, 2017 1:30 pm
Forum: Investing - Theory, News & General
Topic: "Honesty like that is rare!"
Replies: 47
Views: 7226

Re: "Honesty like that is rare!"

Taylor: Last week, I as talking to a founder of a very low cost advisory platform that was even lower cost than robo-advisors. He showed me some model portfolios that used several funds to develop each domestic and international equity holdings. He didn’t seem to tilting toward value or growth and ...
by CABob
Fri Aug 11, 2017 12:49 pm
Forum: Investing - Theory, News & General
Topic: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)
Replies: 34
Views: 4456

Re: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)

mhalley wrote:She doesn't mention one advantage of waiting till year end, eliminate the need for estimated taxes by paying your tax bill via the rmd.
However, one could take partial withdrawals earlier in the year and pay taxes with one later in the year.
by CABob
Sun Aug 06, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: Heavy Duty Boxes for Long Term Permanent Storage
Replies: 20
Views: 1737

Re: Heavy Duty Boxes for Long Term Permanent Storage

Do you have a Container Store in your area? The Rubbermaid boxes mentioned above are very good. The best results with fiberboard boxes is to fill them so that the top is supported when stacked. Tape them closed securely so they don't get misshaped. Try to keep moisture away. If you are going to stac...
by CABob
Sun Aug 06, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: Simple cell phone and service for elderly relative?
Replies: 9
Views: 1127

Re: Simple cell phone and service for elderly relative?

Jitterbug is aimed at seniors, easy to use, big display and keys. My MIL has one and seems to do all right with it.
If cost is a bigger concern you might look at PagePlusCellular.
by CABob
Sat Aug 05, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Why no federal income tax obligation?
Replies: 31
Views: 2827

Re: Why no federal income tax obligation?

So how can we have a positive taxable income but no lax liability? I happened to me for a couple of years in between age 65 and 70.5. The first time it happened I was sure there was a mistake and went back to re-examine my return several times. Unfortunately there were a couple of things I could ha...
by CABob
Thu Aug 03, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: Plumbing problem hose bibb
Replies: 9
Views: 871

Re: Plumbing problem hose bibb

I just had a hose bibb problem. Before I go into an explanation that may or may not pertain to your situation, a question: is your frost-free or not? (That is, it it supposed to be able to withstand freezing temps in the winter?) I just noticed you're from SOCAL so I'm guessing not! :oops: You are ...
by CABob
Thu Aug 03, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: Plumbing problem hose bibb
Replies: 9
Views: 871

Re: Plumbing problem hose bibb

Thanks for the responses so far. For clarification, the valve worked properly 24 hours before I experienced the problem.
I do not have any galvanized pipe. It is copper and a little PVC outside of the house. Our water has a high mineral content and things do tend to get "crudded up".
by CABob
Wed Aug 02, 2017 9:53 pm
Forum: Personal Consumer Issues
Topic: Plumbing problem hose bibb
Replies: 9
Views: 871

Plumbing problem hose bibb

I have an outside hose bibb that suddenly appears as if there is no water in the pipe. Every other location inside and out are working properly. There is no shut off valve that would control only this pipe. The bibb looks similar to this . I am able to turn the knob and the stem appears to be backin...
by CABob
Wed Aug 02, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Charitable Gift Annuity - Pros vs Cons
Replies: 11
Views: 852

Re: Charitable Gift Annuity - Pros vs Cons

The wiki has this article. Keep in mind that these investments are intended to be primarily beneficial to the charity and secondarily to the purchaser.
by CABob
Wed Aug 02, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Any problem leaving a hole in ceiling of garage?
Replies: 27
Views: 1957

Re: Any problem leaving a hole in ceiling of garage?

I suggest you contact your local building code folks to find out what their requirements are. My last two homes did not have ceilings in the garage and I assume they met code. Of course, in both cases there was not a living area above the garage.
by CABob
Tue Aug 01, 2017 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Contribution to satisfy RMD
Replies: 43
Views: 3661

Re: Contribution to satisfy RMD

Alan, Thanks for the citation. However, A-41 speaks of "a check from an IRA". It does not say who can write that check. How do I know that I can write the check or if Vanguard must write that check? My thanks also for the clarification. Does Vanguard allow check writing against a fund in an IRA? If...
by CABob
Tue Aug 01, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Contribution to satisfy RMD
Replies: 43
Views: 3661

Re: Contribution to satisfy RMD

Does anyone know if you can use Fidelity's check writing ability to make a QCD contribution by writing a check directly to the charity and avoid having to make a check request, etc? I believe Fidelity lets you write checks directly from an IRA. I don't know but I would suspect that you cannot do th...
by CABob
Fri Jul 28, 2017 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: 'Account Overview' Vs. 'Balance and Holdings'
Replies: 8
Views: 697

Re: 'Account Overview' Vs. 'Balance and Holdings'

If you find a view that provides data for 24 hours in the future let me know.
:moneybag :moneybag