Search found 4008 matches

by CABob
Fri Aug 26, 2016 6:45 pm
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 20
Views: 1225

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: 141
Views: 8547

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: 1090

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: 141
Views: 8547

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: 141
Views: 8547

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: 942

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: 387

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: 2019

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: 308

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: 308

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: 3146

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: 67
Views: 7015

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: 67
Views: 7015

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: 6
Views: 537

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: 1857

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: 1402

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: 1050

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: 3370

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: 3370

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: 3370

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: 2762

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: 4958

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: 3203

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: 1092

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: 133

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: 838

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: 1942

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: 3203

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: 1258

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: 664

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: 31654

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: 2093

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: 876

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: 194
Views: 31654

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: 1013

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: 876

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: 1537

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: 3038

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: 1798

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: 1190

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: 1732

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: 1529

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: 472

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: 5454

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: 5454

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: 5454

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: 1244

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: 1418

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: 1418

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...

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