Search found 4150 matches

by CABob
Sat Mar 18, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Cheapest dress shirt to wear under a sweater
Replies: 34
Views: 1938

Re: Cheapest dress shirt to wear under a sweater

J C Penney has a lot of shirts other than the car salesman ones. I don't wear a lot of dress shirts any more but have several sport shirts from Penneys including some of the major brands. Watch for sales and store coupons.
by CABob
Fri Mar 17, 2017 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Switching funds in Roth IRA
Replies: 5
Views: 530

Re: Switching funds in Roth IRA

However, when I try to exchange my Hartford funds for VFFVX on Vanguard's website, I am unable to do so because these funds are in different classes. I'm not sure but I think that perhaps Vanguard does not consider this an exchange by their definitions. Instead this would be a sale of the current f...
by CABob
Tue Mar 14, 2017 9:57 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1733
Views: 936836

Re: The Three-Fund Portfolio

https://personal.vanguard.com/us/funds/vanguard/compare?navigatingFrom=2 Broken link Thanks for pointing out the problem. I thought I was pointing to a page comparing two funds on the Vanguard site. I got there by seeing the list of all funds and selecting two that i wanted to compare. Apparently t...
by CABob
Mon Mar 13, 2017 3:58 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1733
Views: 936836

Re: The Three-Fund Portfolio

The bond allocation percentage would include any and all bond funds held. Regarding comparison of bond funds Vanguard has a comparison tool and you could enter the Total Bond Fund [vbmfx] and compare it to the Inflation Protected Securities fund [vaipx] to get an idea. https://personal.vanguard.com/...
by CABob
Sun Mar 12, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: Shower door slipping off rail
Replies: 4
Views: 529

Re: Shower door slipping off rail

The most likely things are the roller "hangers" are loose or the roller bearings need to be replaced. You can remove the shower doors by lifting them out off the tracks (I'm sure there's a youtube.com video about that). Adjusting the hangers or replacing the roller bearings is pretty simp...
by CABob
Sun Mar 12, 2017 12:57 pm
Forum: Investing - Theory, News & General
Topic: Reasons not to check the account balance too often
Replies: 42
Views: 3706

Re: Reasons not to check the account balance too often

I look once a quarter add the figures to my excel spreadsheet look at the total vs last quarter and move on +1 and perhaps a couple of additional times during the year such as following RMD. That seems often enough to me, but I wonder about those that check daily or multiple times a day. Do you oft...
by CABob
Sun Mar 12, 2017 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Is there such a thing as tax loss harvesting if you are a boglehead?
Replies: 27
Views: 1798

Re: Is there such a thing as tax loss harvesting if you are a boglehead?

In order to TLH one must have an investment that has a current market value of less that what was paid for that investment. Secondly, the investment must be in a taxable account. If one has been investing for a while it is possible and perhaps likely that they have no candidates for TLH or any that ...
by CABob
Sat Mar 11, 2017 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Help a Total Noob out!
Replies: 6
Views: 487

Re: Help a Total Noob out!

Greetings everyone, so I picked up a book called The Bogleheads Guide to Investing. Great book so far and has persuaded me enough to open a Roth IRA with Vanguard with an amount of $1500 I had saved for a rainy day. Now I opened up the account about 3 days ago; however, I see that my "Current ...
by CABob
Wed Mar 08, 2017 4:41 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1733
Views: 936836

Re: The Three-Fund Portfolio

In the 3 fund portfolio which is recommended ?
Vanguard Mutual Funds or Vanguard ETF'S ?


Either will work just fine. Which one would you prefer? You can also have some of both.
by CABob
Sun Mar 05, 2017 1:27 pm
Forum: Personal Consumer Issues
Topic: Programable thermostat for gas water heater?
Replies: 19
Views: 951

Re: Programable thermostat for gas water heater?

Here's the deal... hot water temperature is fine all day. In the evening, my family showers. We run out of hot water. My wife says "Turn up the temp. on the water heater". I'm thinking, why pay to heat the water 23 hours a day when I only need it very hot for 1 hour? I will admit to being...
by CABob
Sun Mar 05, 2017 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: The Joys Of Tax Season! :(
Replies: 55
Views: 3830

Re: The Joys Of Tax Season! :(

I haven't started my tax return yet. My biggest problem is procrastination. I used to find it mentally challenging and somewhat enjoyable. My return is fairly easy but I now find it to be a pain and especially difficult to "just do it." Maybe this afternoon. I should probably take it to a ...
by CABob
Fri Mar 03, 2017 12:22 am
Forum: Personal Consumer Issues
Topic: Sports memorabilia inventory app?
Replies: 3
Views: 357

Re: Sports memorabilia inventory app?

I'm not familiar with Google Sheets but I would think that a spreadsheet program such as Excel or a database program like Access set up with the entries that make sense would be the way to go. Putting pictures into a spreadsheet cell can be a bit tricky but it can be done.
by CABob
Thu Feb 23, 2017 11:12 pm
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 64
Views: 10401

Re: Vanguard opens special offices for $1 million clients

Vanguard clients whether they are flagship or other are used to dealing with them via internet, telephone, or via snail mail. I can't imagine that any would go out of their way to deal with a brick and mortar location. So if Vanguard decided to open a location down the street from me I don't think i...
by CABob
Thu Feb 23, 2017 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Sell or Hold Old Investments that Don't Fit My Current Allocation?
Replies: 5
Views: 402

Re: Sell or Hold Old Investments that Don't Fit My Current Allocation?

I suggest that you sell any of these holdings that are in a capital loss position. Then I would sell any that are in a capital gain position up to the amount of the loss. Then I would reevaluate the remaining holdings for a decision.
by CABob
Tue Feb 21, 2017 11:48 pm
Forum: Investing - Help with Personal Investments
Topic: Moving away from Edward Jones to Vanguard
Replies: 48
Views: 3698

Re: Moving away from Edward Jones to Vanguard

How can I find out If I can move them "in kind" or not? You can do this yourself. Type the ticker symbol into the left box here and see what happens. For example: ⋅ ( PHIYX ) -- Vanguard will take it but you'd probably need to meet the $25K minimum. ⋅ ( CMGIX ) -- Vang...
by CABob
Mon Feb 20, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: Is the free AAA identity theft protection a good idea, or is there a catch?
Replies: 7
Views: 842

Re: Is the free AAA identity theft protection a good idea, or is there a catch?

I have signed up for the free service. So far the only thing I see is a report that indicates no suspicious activity and a regular "invitation" to join their Deluxe version. The price is right but I don't see anything special.
by CABob
Mon Feb 20, 2017 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of Leaving Vanguard Personal Advisory program
Replies: 26
Views: 3518

Re: Thinking of Leaving Vanguard Personal Advisory program

However, I would revisit in your late 70's/early 80's and decide if you still are sharp enough to make good decisions. If not, then the Vanguard service is a small price to pay to keep you on track. I don't disagree, but I think one might compare the service and its cost with putting their entire p...
by CABob
Sun Feb 19, 2017 11:09 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM
Replies: 66
Views: 3333

Re: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM

Happy birthday and many thanks to those that make this forum special. I just checked the history and see that I joined the forum on 2/25/07 and made my first post on 3/13/07. I guess it took me a few days to "catch on." This sounds like a good occasion to make a donation either directly or...
by CABob
Sat Feb 18, 2017 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement Fund to Investor Shares
Replies: 11
Views: 649

Re: Vanguard Target Retirement Fund to Investor Shares

Since the TR fund uses an allocated expense ratio from the investor class shares the fund holds there is no particular advantage to converting to investor class. Therefore I think waiting until you can invest in one or more Admiral class funds makes more sense to me. Depending on your desired alloca...
by CABob
Sat Feb 18, 2017 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: How do you invest the proceeds [from your RMD?]
Replies: 22
Views: 1872

Re: How do you invest de proceeds

Taking my RMD does not usually change my desired asset allocation. I have taken my RMD late in the year and therefore, I generally rebalance or reallocate soon afterward which is frequently early in the following year. So one could say that I invest the RMD in the same manner a it was invested befor...
by CABob
Mon Feb 13, 2017 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Who would quit playing if they already won?
Replies: 106
Views: 10711

Re: Who would quit playing if they already won?

Very Good point. There was a book I read many years ago called "your money or your life" the author implied that you were not quite there until you could live of T-Bills income . This is kind of what I thought Dr Bernstein was saying. I wonder what T bills were paying at the time as compa...
by CABob
Mon Feb 13, 2017 7:35 pm
Forum: Personal Consumer Issues
Topic: How long do you keep your kitchen sponge?
Replies: 44
Views: 3613

Re: How long do you keep your kitchen sponge?

We used to use the 3M blue sponges from Costco and they lasted a couple of weeks with occasional microwaving. They tended to get thrown out when DW couldn't stand the smell any longer. We have recently changed to use the Debbie Meyer GeniusSponge™ and have found them to be as good as advertised last...
by CABob
Mon Feb 13, 2017 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Who would quit playing if they already won?
Replies: 106
Views: 10711

Re: Who would quit playing if they already won?

I think it might depend on what you mean by winning the game and what you mean by quit playing. I believe (and hope) that my current net worth is such that it will sustain me and wife for the rest of our lives. It would be nice if there remained a portion to pass on to others but that is not a high ...
by CABob
Mon Feb 13, 2017 11:31 am
Forum: Investing - Theory, News & General
Topic: Buy funds on the date of distribution?
Replies: 2
Views: 216

Re: Buy funds on the date of distribution?

For a taxable account buying a fund just before distribution means that you will be taxed on the distribution so it is generally better to buy after the distribution. For a tax advantaged account is doesn't make much difference, but you are not getting a "special" bargain for buying after ...
by CABob
Sun Feb 12, 2017 7:56 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1733
Views: 936836

Re: The Three-Fund Portfolio

Assuming that half my assets are IRA and the other half are non-IRA, that I go for the three fund strategy holding all three in equal amounts, further assuming I'm in the 33% tax bracket, how should I divide them between IRA and non-IRA to obtain the most tax-efficient strategy? Usually one would p...
by CABob
Sat Feb 11, 2017 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Can I buy index funds that aren't ETFs?
Replies: 10
Views: 874

Re: Can I buy index funds that aren't ETFs?

I would like to buy into the Wellington fund but Vanguard does not offer it as a ETF.

Just to make sure there is no confusion, Wellington is not an index fund.
by CABob
Thu Feb 09, 2017 11:15 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 288
Views: 12717

Re: Your USER NAME...what does it mean?

As a teenage golfer, I spent a lot of time in those bunkers. :shock: Decades ago I resolved to be the best bunker player I could be no matter the cost and time. The effort improved my entire game. Precision. Touch. Improvisation. Like life. One swing at a time. But, we can never predict when we're ...
by CABob
Thu Feb 09, 2017 7:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 288
Views: 12717

Re: Your USER NAME...what does it mean?

Nothing exciting here. My name is Bob and am in California. The user name goes back to AOL days (You've got mail!) accessed on a dial up 2400 baud modem using a Compaq computer.
by CABob
Thu Feb 09, 2017 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard was once a company that charged loads. Didn't know that.
Replies: 1
Views: 477

Re: Vanguard was once a company that charged loads. Didn't know that.

I found the article amusing, interesting and informative as I think about the number of conversations on this forum debating the differences between an ER of .05% vs. .10% vs .25%. If you invested $10,000 in Vanguard 500 Index Fund in 1977, you’d pay an $850 commission, plus $40 in annual fund opera...
by CABob
Mon Feb 06, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: tIRA to Charity
Replies: 30
Views: 1412

Re: tIRA to Charity

Leesbro63 wrote:Does the things still exist where people over 70.5 can directly send their RMD to charity to avoid the tax paperwork?

Yes, the RMD is not taxed and not deductible.
by CABob
Sun Feb 05, 2017 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: Should I leave JPMorgan?
Replies: 9
Views: 1343

Re: Should I leave JPMorgan?

There are at least two areas where costs are involved. One is the loads that are charged at the beginning, end, or continuously during your holding period. You have already paid the front end load. Vanguard, Fido, and some other providers do not charge loads. Another cost is the expense ratio of the...
by CABob
Sat Feb 04, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: Does anybody else out there still pay for an email address?
Replies: 61
Views: 4941

Re: Does anybody else out there still pay for an email address?

Pay for email address? Yes I guess I do since is comes with my cable company along with TV and internet access. I also have another free address but do not often use it.
by CABob
Fri Feb 03, 2017 12:34 am
Forum: Investing - Help with Personal Investments
Topic: Is it normal to have mutual funds and ETF's or is either one or other?
Replies: 21
Views: 1059

Re: Is it normal to have mutual funds and ETF's or is either one or other?

The E/R adds up if one has a portfolio that contains many investor shares and prefers mutual funds.

True, but if you calculate the difference in dollars it might not be really significant.
by CABob
Thu Feb 02, 2017 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: Is it normal to have mutual funds and ETF's or is either one or other?
Replies: 21
Views: 1059

Re: Is it normal to have mutual funds and ETF's or is either one or other?

I don't think there is anything wrong with holding both, but most will have a preference for one or the other. In some cases the circumstances and account availability affects the decision. I have mostly mutual funds but also have a taxable account that holds a few individual stocks and also have a ...
by CABob
Thu Feb 02, 2017 11:22 pm
Forum: Investing - Theory, News & General
Topic: Retiree Accumulation/Withdrawal Phase -- How many funds do you have? Allocation? Withdrawal strategy?
Replies: 90
Views: 7231

Re: Retiree Accumulation/Withdrawal Phase -- How many funds do you have? Allocation? Withdrawal strategy?

1. Retired for 14 years. 2. In total I have about 10 funds but the biggest account is my IRA with a 3-fund portfolio plus some tilts. DW’s IRA is a Target Retirement fund. Also taxable accounts with a few individual stocks. Overall allocation is about 45/55. 3. See number 2. 4. Currently taking RMD ...
by CABob
Thu Feb 02, 2017 11:14 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1733
Views: 936836

Re: The Three-Fund Portfolio

I had 2 questions: 1.) What would be the age range for the "Young Investor" and Middle Age" investor groups? 2.) The young investor doesn't have the Total International that the Three Fund Portfolio strategy calls for. Why is that? Is the new boglehead way of thinking that even a you...
by CABob
Wed Feb 01, 2017 3:35 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon in May. Booked already!
Replies: 29
Views: 2830

Re: Grand Canyon in May. Booked already!

Little America in Flag is great. This is an older western chain that has great hotels and grounds. I have not stayed there in a while so I have no recent data. But check Yelp. I bet it is still a great hotel. http://flagstaff.littleamerica.com/ https://www.tripadvisor.com/Hotel_Review-g60971-d75749...
by CABob
Tue Jan 31, 2017 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Want to cut the manged investment cord...How best?
Replies: 6
Views: 727

Re: Want to cut the manged investment cord...How best?

The IRA's are both traditional... I realize that I can call Vanguard to initiate a transfer, but I was really hoping for some options/advice on what best to do if I wanted to minimize the cost of retirement management. What is recommended? I am looking to potentially manage the retirement money mys...
by CABob
Mon Jan 30, 2017 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Funds
Replies: 7
Views: 1051

Re: Vanguard Funds

I'm not sure why one would want to own two different Life Strategy funds, but perhaps it is to tailor make a desired asset allocation. In any case I think the decision would be which one would result in your desired stock/bond allocation. I assume that taking RMD from Income would raise your stock a...
by CABob
Sat Jan 28, 2017 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Humble brag finally got admiral shares in taxable account
Replies: 29
Views: 3861

Re: Humble brag finally got admiral shares in taxable account

Does anybody remember when admiral shares required $50,000 and* 10 years tenure? I was almost disappointed I made admiral because Vanguard changed the rules rather than through diligent savings. * Or possible or, I can't remember either. I don't remember a tenure clause but I do remember the $50K m...
by CABob
Sat Jan 28, 2017 3:36 pm
Forum: Investing - Theory, News & General
Topic: Zacks vs. TheStreet buy/sell recommendations
Replies: 20
Views: 1245

Re: Zacks vs. TheStreet buy/sell recommendations

Bobo wrote: But a consensus among these "gurus" is hard to ignore.

And have you found a consensus?
by CABob
Sun Jan 22, 2017 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Do you check your credit reports annually?
Replies: 48
Views: 2895

Re: Do you check your credit reports annually?

My "plan" is to check each agency every 4 months for both DW and myself spread throughout the year. In actual practice the request is often a couple of months late. I have never found a critical error in any of the reports.
by CABob
Fri Jan 20, 2017 10:52 pm
Forum: Personal Consumer Issues
Topic: Cell phones - I have met my match, please help
Replies: 38
Views: 4450

Re: Cell phones - I have met my match, please help

You might look at Page Plus Cellular which uses Verizon's network and has some reasonable plans.
by CABob
Wed Jan 18, 2017 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: How do I determine if I need to consult with an attorney about whether I need a trust?
Replies: 22
Views: 1685

Re: How do I determine if I need to consult with an attorney about whether I need a trust?

I suggest you read the book, Beyond the Grave by Condon. It will provide a overview of estate planning and mistakes that can be made. There are probably other books that would be an education. Most estate lawyers will provide a brief consultation at no cost to discuss your situation and recommendati...
by CABob
Tue Jan 17, 2017 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard as trustee
Replies: 14
Views: 1561

Re: Vanguard as trustee

Don't ignore or forget about assets other than your savings/investment accounts such as real estate, vehicles, personal property, etc.
by CABob
Mon Jan 16, 2017 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Should Bond Funds be Considered a Fixed Income Investment?
Replies: 30
Views: 2064

Re: Should Bond Funds be Considered a Fixed Income Investment?

If a bond fund is not fixed income what is it? It certainly isn't equity. It is not a commodity or any of the other things that are sometimes called alternate investments so I think I am left calling it fixed income.
by CABob
Mon Jan 16, 2017 4:06 pm
Forum: Investing - Theory, News & General
Topic: Target Date Fund - Retirement Years
Replies: 29
Views: 2856

Re: Target Date Fund - Retirement Years

I am retired and have a mixed bag here. DW has an IRA in the TR2010 fund which we assume is about to convert to the TR Income fund. I on the other hand hold individual funds in an IRA in essentially a 3-fund portfolio. I am considering a change to my IRA at some point to a TR or LS fund with the goa...
by CABob
Sat Jan 14, 2017 12:43 pm
Forum: Personal Consumer Issues
Topic: Recommendations for home paper shredder
Replies: 52
Views: 2373

Re: Recommendations for home paper shredder

I have had a Royal VF 880 for about 4 years and have been happy with it. It may have been discontinued but I'm sure there is one similar available. It cost about $50. Reviews (Amazon and others) have not been great. It claims to be an 8 sheet shredder but to me anything over 3 sheets seem to be a bi...
by CABob
Thu Jan 12, 2017 7:09 pm
Forum: Personal Consumer Issues
Topic: Recommend a LEAKproof microwavable, fairly decent sized lunch box!
Replies: 10
Views: 1002

Re: Recommend a LEAKproof microwavable, fairly decent sized lunch box!

Isn't that what Ziploc containers are for? And the ones with a gasket mentioned before are even better.
by CABob
Mon Jan 09, 2017 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: ETF vs Investor Shares?
Replies: 4
Views: 514

Re: ETF vs Investor Shares?

No. There are many reasons why one might want and prefer to use the investor share class of mutual funds vs. an ETF, but I don't believe there is a specific advantage to use the mutual fund that would warrant the higher expense ratio. Personally however I would prefer the mutual fund even at the hig...

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