Search found 4026 matches

by CABob
Thu Sep 22, 2016 11:39 am
Forum: Personal Consumer Issues
Topic: Book on Personal Finance/Budgeting for young adults
Replies: 14
Views: 972

Re: Book on Personal Finance/Budgeting for young adults

I like and often recommend beginners books by Eric Tyson such as Personal Finance for Dummies. I see that he also has some books aimed at the 20-30 year olds. I am not familiar with them but would expect that they are good. https://www.amazon.com/s/ref=nb_sb_ss_c_2_10?url=search-alias%3Dstripbooks&a...
by CABob
Thu Sep 22, 2016 11:31 am
Forum: Personal Consumer Issues
Topic: Companion Dogs for an older person
Replies: 37
Views: 2297

Re: Companion Dogs for an older person

Check with your local Humane Society. Depending on you local agency they often have a lot of dogs with differing backgrounds and are apt to be a big help in choosing.
by CABob
Wed Sep 21, 2016 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Contribution to satisfy RMD
Replies: 28
Views: 1840

Re: Contribution to satisfy RMD

Call Vanguard and have them do all of the work. First request a Qualified Charitable Distribution (QCD) from your IRA. Vanguard will send a check to you made out to the charity of your choice that you can pass on to the charity. I think this needs to be done with a phone call to VG. After the QCD ha...
by CABob
Wed Sep 21, 2016 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance Plan Help
Replies: 19
Views: 1791

Re: Inheritance Plan Help

Have you discussed this with your daughter to get her input on this?
Have you considered that in 20-30 years from now your daughter may have much higher wealth than you and you may be looking for some financial help from her?
by CABob
Tue Sep 20, 2016 4:04 pm
Forum: Investing - Theory, News & General
Topic: ETF vs. Mutual Fund
Replies: 21
Views: 1111

Re: ETF vs. Mutual Fund

Which do you prefer and why? I guess I prefer MF since the majority of my assets are in funds in a Vanguard account. I do however hold a couple of ETFs in a taxable account at a discount broker. But, what I prefer shouldn't be of any importance or interest to you. You indicated you have read the se...
by CABob
Tue Sep 20, 2016 3:55 pm
Forum: Investing - Theory, News & General
Topic: Do Bogleheads Bucket?
Replies: 83
Views: 6343

Re: Do Bogleheads Bucket?

Do Bogleheads bucket?
Some do and some don't. And some that would claim they do bucket and some that don't actually accomplish the same thing with their allocations in their accounts and by mental accounting.
by CABob
Sun Sep 18, 2016 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: [Vanguard Invite to a] "private event"
Replies: 28
Views: 3522

Re: [Vanguard Invite to a] "private event"

It sounds as if it might be similar to some of the webinars that VG has periodically except live and in person. I just wanted to be invited to the coffee truck that they were doing as a promotion some time back.
:beer
by CABob
Sat Sep 17, 2016 6:31 pm
Forum: Personal Consumer Issues
Topic: Windshield wiper chatter
Replies: 7
Views: 690

Re: Windshield wiper chatter

Thanks for the replies. I have visually looked at the blades and the rubber does not appear to be hard and weathered. I have tried to clean the blade and window a couple of times although I did not use the alcohol . I am now wondering about the alignment and will try to look closer to see if that mi...
by CABob
Sat Sep 17, 2016 12:47 pm
Forum: Personal Consumer Issues
Topic: Windshield wiper chatter
Replies: 7
Views: 690

Windshield wiper chatter

I had new wiper blades installed with an oil change a couple of months ago. From day one they chattered badly when the wiper was turned on both dry and wet. The vehicle is parked outside most of the time and weather is quite mild with some very warm summer temperatures. What causes the chatter and i...
by CABob
Tue Sep 13, 2016 12:39 pm
Forum: Local Chapters and Bogleheads Community
Topic: Forum tops 3,000,000 post mark
Replies: 30
Views: 1748

Re: Forum tops 3,000,000 post mark

Sounds like a good occasion to donate to help support the forum.
Mel, thanks for posting the information.
by CABob
Sun Sep 11, 2016 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Three fund vs. four fund portfolio
Replies: 17
Views: 1915

Re: Three fund vs. four fund portfolio

"Also, consider the opportunity to replace a good enough plan with a "better" plan. It might be well to consider several varieties of other "better" plans such as adding REITs, commodities, and international small stocks. " While you are thinking of "better" ...
by CABob
Thu Sep 08, 2016 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: admiral shares Vs. investors shares
Replies: 9
Views: 1202

Re: admiral shares Vs. investors shares

When a mutual fund is established and begins to trade the price is set somewhat arbitrarily at an amount that management thinks is appropriate. VGSIX began trading in 1996 at a price of $10. VGSLX is a newer fund which began to trade in 2001 at a price of $50 while VGSIX was trading at about $30. Si...
by CABob
Wed Sep 07, 2016 11:13 pm
Forum: Personal Consumer Issues
Topic: Secondary Market for Tools and Antique related Items
Replies: 9
Views: 696

Re: Secondary Market for Tools and Antique related Items

You might contact an auction house. The often will be or know of some that specialize in that sort of thing and will have a list of potential customers. They will of course take a percentage of the receipts.
by CABob
Sun Sep 04, 2016 10:29 pm
Forum: Personal Consumer Issues
Topic: Emergency radio with hand crank
Replies: 30
Views: 2356

Re: Emergency radio with hand crank

I have this one: http://www.homedepot.com/p/Secur-3000-mAh-Sun-Power-Bank-SP-3009/205404922 which is available from many outlets. It is my go-to flashlight all the time (even when there is still power in the house) since the battery doesn't lose charge when the device is not in use. I keep it on my...
by CABob
Sun Sep 04, 2016 6:30 pm
Forum: Personal Consumer Issues
Topic: Emergency radio with hand crank
Replies: 30
Views: 2356

Re: Emergency radio with hand crank

I have one of these but I see that it has been discontinued and replaced by another model. To be honest I have never tried out the phone charger capability. I would also consider one by C Crane although I do not have personal experience with this radio but think they do have a good reputation for pr...
by CABob
Tue Aug 30, 2016 5:10 pm
Forum: Personal Consumer Issues
Topic: What is your system for dealing with coins?
Replies: 123
Views: 7713

Re: What is your system for dealing with coins?

Our church has an annual auction. One gentleman donates all of his change for the prior year in a coffee can. You never know the actual value and it does very well as an auction item bringing in more than the total value. Interesting idea! One could also weigh the can and combine it with a contest ...
by CABob
Tue Aug 30, 2016 5:06 pm
Forum: Personal Consumer Issues
Topic: Anyone use the Nextdoor app or other alternatives?
Replies: 15
Views: 1204

Re: Anyone use the Nextdoor app or other alternatives?

I find it to be interesting and somewhat useful. In our neighborhood it appears that those that sign up are using their full and real names although I don't know if there is any way for the administrators to verify that they are correct. It has been good to hear about the good and bad things going o...
by CABob
Sun Aug 28, 2016 11:50 am
Forum: Personal Finance (Not Investing)
Topic: My 8 year old son taught me a good lesson tonight
Replies: 16
Views: 3929

Re: My 8 year old son taught me a good lesson tonight

Cute story, What are you going to do when DS wants to fasten one of the cards to his bike with clothespins so it makes a noise when he rides?
:P
by CABob
Fri Aug 26, 2016 6:45 pm
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 11498

Re: Who is ready for iphone 7?

This luddite is thinking that it might be a good time to get a refurb 5 at a good price.
by CABob
Wed Aug 24, 2016 11:55 am
Forum: Personal Consumer Issues
Topic: Favorite Restaurant Stop on Road Trips
Replies: 142
Views: 9531

Re: Favorite Restaurant Stop on Road Trips

Not exactly on topic, but... I know they were never all that good and they are all probably gone, but I have fond childhood memories of Howard Johnson's. That is because roadtrip travel > 4 or 5 hours was generally the only time the seven of us would eat at restaurants. However, I think the only re...
by CABob
Mon Aug 22, 2016 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: retirement websites/books?
Replies: 13
Views: 1173

Re: retirement websites/books?

Hi, I retired last week. I plan to continue to use this website but I was wondering could recommend forums/books specifically around retirement? tia, I don't think you necessarily need to look for additional websites in that I think most of what you want is right here including a bunch of folks tha...
by CABob
Fri Aug 19, 2016 7:32 pm
Forum: Personal Consumer Issues
Topic: Favorite Restaurant Stop on Road Trips
Replies: 142
Views: 9531

Re: Favorite Restaurant Stop on Road Trips

For those who drive between Los Angeles and Las Vegas, the popular Summit Inn burned down a few days ago (Aug 16, 2016) as a result of the Blue Cut wildfires that is ravaging the area. For those who don't know, it's a well known old time Route 66 diner, and used-to-be gas station diner. Famous peop...
by CABob
Fri Aug 19, 2016 2:27 pm
Forum: Personal Consumer Issues
Topic: Favorite Restaurant Stop on Road Trips
Replies: 142
Views: 9531

Re: Favorite Restaurant Stop on Road Trips

A locally owned diner especially one with a lot of trucks parked nearby although they can be risky. It is pretty much a regional thing, Cracker Barrel, Bob Evans, Waffle House, etc. if available. Denny's is pretty much country wide I believe and although not necessarily great they are pretty dependa...
by CABob
Thu Aug 18, 2016 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: The Three-Fund Portfolio [Minimizing tax impacts]
Replies: 8
Views: 1112

Re: The Three-Fund Portfolio

From a tax efficiency standpoint you would be better off with your bond funds in one of the tax advantaged accounts. Since you indicate that the reason for VFSUX being in taxable is for a reason other than asset allocation you may want to ignore this but the total bond fund would certainly be better...
by CABob
Tue Aug 16, 2016 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Does a roll over IRA help in reducing income taxes?
Replies: 4
Views: 398

Re: Does a roll over IRA help in reducing income taxes?

Contributions to a Roth IRA are made from already taxed income so there would be no current tax savings for such contributions.
by CABob
Sat Aug 13, 2016 10:38 pm
Forum: Personal Consumer Issues
Topic: Post Office Boxes-Junk and prior renter's mail
Replies: 32
Views: 2086

Re: Post Office Boxes-Junk and prior renter's mail

I would guess that the postal workers have their own set of rules they must follow and perhaps can not deviate by your instructions or a note in the box. On the other hand if the box gets over stuffed I think it would be the role of the post office to keep the mail safe until you pick it up. This mi...
by CABob
Sat Aug 13, 2016 6:48 pm
Forum: Personal Consumer Issues
Topic: Calif Title 20 and lamps
Replies: 2
Views: 323

Re: Calif Title 20 and lamps

It's probably best to email the specific vendors and find out what they mean by the warning. Each vendor may have it's own interpretation or own way of dealing with CA Title 20 compliance. In essence, CA Title 20 requires shipping with a compatible CFL bulb for compliance if the lamp uses a standar...
by CABob
Sat Aug 13, 2016 2:50 pm
Forum: Personal Consumer Issues
Topic: Calif Title 20 and lamps
Replies: 2
Views: 323

Calif Title 20 and lamps

I have been shopping online for living room lamps. Some I have looked at indicate in part that they include a "3-way switch, not included" and that it uses a "150W type "A" bulb". Then the description includes the note: CALIFORNIA CUSTOMERS: A Title 20-compliant lamp wi...
by CABob
Sun Aug 07, 2016 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Hiring an executor for my will
Replies: 43
Views: 3252

Re: Hiring an executor for my will

At the suggestion of my lawyer I have named in my will/trust a professional fiduciary to serve in that capacity should my spouse and children not be available or capable to serve. Since it is unlikely that this provision will come into affect I haven't given it a lot of thought but if they were to b...
by CABob
Sat Aug 06, 2016 10:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgrading to Brokerage account comes with some nuisances
Replies: 70
Views: 8090

Re: Vanguard upgrading to Brokerage account comes with some nuisances

Yesterday, i saw an option on my vanguard mutual fund accounts to "upgrade" and consolidate everything in Brokerage account. Where on your account page did you see the notice or request? I haven't seen it but am wondering if I may have missed it. It was a link "upgrade" next to ...
by CABob
Sat Aug 06, 2016 7:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgrading to Brokerage account comes with some nuisances
Replies: 70
Views: 8090

Re: Vanguard upgrading to Brokerage account comes with some nuisances

akpk wrote:Yesterday, i saw an option on my vanguard mutual fund accounts to "upgrade" and consolidate everything in Brokerage account.

Where on your account page did you see the notice or request? I haven't seen it but am wondering if I may have missed it.
by CABob
Wed Aug 03, 2016 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement fund - ETF equivalent?
Replies: 8
Views: 966

Re: Vanguard Target Retirement fund - ETF equivalent?

quizzer25 wrote:Thank you. Its for IRA.

Why not just buy the mutual fund?
by CABob
Tue Aug 02, 2016 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: 300 payments from 401(k) for RMDs instead of using balance at end of prior year?
Replies: 22
Views: 1919

Re: 300 payments from 401(k) for RMDs instead of using balance at end of prior year?

I can’t imagine that the IRS would have provisions for this type of withdrawal. That doesn’t mean that it would violate IRS provisions as long as the RMD rules are met. There are two issues here. One is meeting the RMD provisions and the other is withdrawing enough to meet expenses. The RMD is alway...
by CABob
Sun Jul 31, 2016 8:21 pm
Forum: Investing - Theory, News & General
Topic: Does anyone else create "mirror" accounts?
Replies: 9
Views: 1415

Re: Does anyone else create "mirror" accounts?

The problem with benchmarking yourself against yourself is that you need to do it for a long time. I am about half-way through my investing horizon and I am already 30 years invested. A 25-30 year run would be a reasonable start at a comparison but by then you have potentially blown half your inves...
by CABob
Fri Jul 29, 2016 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Actual SWR when considering mortgage principal payments
Replies: 16
Views: 1081

Re: Actual SWR when considering mortgage principal payments

A mortgage payment sure sounds like an expense to me so it needs to be covered by your withdrawal.
If you are figuring your net worth then I can see the argument that your net worth goes up a bit every time you make a mortgage payment, but that does not seem to be an important factor.
by CABob
Wed Jul 20, 2016 5:57 pm
Forum: Personal Consumer Issues
Topic: Removing Broken Bolts
Replies: 54
Views: 3452

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: 54
Views: 3452

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: 54
Views: 3452

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: 2842

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: 5041

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: 3271

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: 1133

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: 147

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: 875

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: 1973

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: 3271

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: 1275

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: 689

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: 194
Views: 32088

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...

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