Search found 3880 matches

by CABob
Tue May 03, 2016 8:09 pm
Forum: Investing - Theory, News & General
Topic: Meaning of the label Market Timing?
Replies: 33
Views: 1464

Re: Meaning of the label Market Timing?

Investopedia's definition sounds about right to me.
Market timing is the act of attempting to predict the future direction of the market, typically through the use of technical indicators or economic data.
by CABob
Sun May 01, 2016 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone uses identity theft protection services?
Replies: 21
Views: 1450

Re: Anyone uses identity theft protection services?

Since the three major credit bureaus all use the same database of source information how much additional protection is provided by freezing three as compared to freezing one or two?
by CABob
Sun May 01, 2016 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Buy the Retirement House?
Replies: 17
Views: 1723

Re: Buying the Retirement House

I don't like to forecast housing markets but I think that if you are waiting for CA housing prices to "correct" lower it will be a very long wait. I am still waiting for my home's market value to get up to where it was 10 years ago. Is that true of all of Southern California, or just your...
by CABob
Sun May 01, 2016 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Buy the Retirement House?
Replies: 17
Views: 1723

Re: Buying the Retirement House

We want to be in a position to buy a home in CA if the housing market corrects there and homes become more affordable (perhaps 400k-500k). I don't like to forecast housing markets but I think that if you are waiting for CA housing prices to "correct" lower it will be a very long wait. I a...
by CABob
Fri Apr 29, 2016 2:25 pm
Forum: Investing - Theory, News & General
Topic: Major stock shareholder effect
Replies: 4
Views: 285

Major stock shareholder effect

I'm not into individual stock holdings in any big way but was just reading about Carl Icahn's decision to sell his Apple stock and its effect on the market price of Apple. http://www.thestreet.com/story/13551360/1/apple-aapl-stock-continues-to-decline-after-icahn-dumped-shares-jim-cramer-s-view.html...
by CABob
Fri Apr 29, 2016 10:02 am
Forum: Personal Consumer Issues
Topic: Wiper blade types?
Replies: 9
Views: 884

Re: Wiper blade types?

They make wiper blades designed for snow/ice, but I've never used them, and doubt you would need them in Southern California. I buy whatever beam style blades are on sale at the auto parts store (usually Autozone). I suspect that this is what was being referenced and you are correct that I can't im...
by CABob
Thu Apr 28, 2016 2:52 pm
Forum: Personal Consumer Issues
Topic: Wiper blade types?
Replies: 9
Views: 884

Wiper blade types?

There have been prior posts regarding wiper blades here but I don't recall this issue coming up. I recently was having the oil changed in my vehicle and remembered that the wiper blades were leaving streaks and exhibiting the usual characteristics of needing replacement so I asked to have them repla...
by CABob
Wed Apr 27, 2016 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Watch Out for Cancellation of Autopay on old Amex Costco Cards
Replies: 9
Views: 926

Re: Watch Out for Cancellation of Autopay on old Amex Costco Cards

JaneyLH wrote:To clarify, I had set up my Amex Costco card account to automatically pay my Amex bill each month in full from my checking account. I had not used this card to automatically pay any other bills.

This is a bit strange since they canceled a potential payment coming to them.
by CABob
Wed Apr 27, 2016 11:27 am
Forum: Investing - Theory, News & General
Topic: Vanguard Manager Changes
Replies: 9
Views: 913

Re: Vanguard Manager Changes

How much manager influence matter for index funds? Fund follow index, I would assume that all sampling done by computers. Which brings up the question in my mind, What does a manager of an index fund do? I'm not minimizing the administrative function but picking stocks and that sort of thing is no ...
by CABob
Wed Apr 27, 2016 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Watch Out for Cancellation of Autopay on old Amex Costco Cards
Replies: 9
Views: 926

Re: Watch Out for Cancellation of Autopay on old Amex Costco Cards

HueyLD wrote:I thought the card won't be cancelled until 6/15?

I think you are correct that the card and account will be cancelled (I though the date was 6/20/16) but they apparently decided to cancel the autopay earlier.
by CABob
Fri Apr 22, 2016 1:18 pm
Forum: Investing - Theory, News & General
Topic: "The Index Card"
Replies: 19
Views: 2789

Re: "The Index Card"

I do wonder though, how this can be: "One of the more pathetic studies shows that the stocks that people sold outperformed the stocks that people bought." Since one would think stocks sold = stocks bought, so sales of outperforming stocks = purchases of outperforming stock. I also have so...
by CABob
Wed Apr 20, 2016 11:26 am
Forum: Investing - Theory, News & General
Topic: Should you follow the 4% rule?
Replies: 23
Views: 2737

Re: Should you follow the 4% rule?

I think the 4% rule is a reasonable "guideline" although recent market activity makes me think that a lower percentage would be safer. But this or any guideline should not be an excuse for spending more than what is reasonable under the circumstances. If one is down to eating cat food perh...
by CABob
Wed Apr 20, 2016 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Updating to "New" Vanguard Accounts
Replies: 9
Views: 1332

Re: Updating to "New" Vanguard Accounts

I have not been "invited" to convert yet. From what I have read on this forum I see no advantage to converting so I will not push the issue.
by CABob
Mon Apr 18, 2016 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: Target Day Fund & Asset Allocation
Replies: 9
Views: 667

Re: Target Day Fund & Asset Allocation

Rather than blindly accepting someone else's opinions on suitable asset allocation I an I suspect most on this forum would suggest that you independently decide on a suitable allocation based on your desires and factors and then if you decide on a target date fund ignore the dates and find one with ...
by CABob
Fri Apr 15, 2016 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: I'll be a Boglehead Friday. Any advice?
Replies: 93
Views: 6395

Re: I'll be a Boglehead Friday. Any advice?

He is a retired broker.... If you had said that in your first post this would have been a much different thread. In fact there was quite a bit of information regarding OP, the advisor, assets, etc. that had to be dug out but would have been pertinent to replies and advice had they been known earlie...
by CABob
Fri Apr 15, 2016 3:10 pm
Forum: Personal Consumer Issues
Topic: Tree swing questions
Replies: 15
Views: 725

Re: Tree swing questions

I suggest you review this before you start the project. :twisted:
by CABob
Fri Apr 15, 2016 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Meeting with a Fidelity Financial planner, is it useful?
Replies: 39
Views: 3642

Re: Meeting with a Fidelity Financial planner, is it useful?

I'm with Fidelity, How can i tell if i'm being charged an AUM. I do have a planner, see him once a year if that, do my own buying and selling.... On your statement there would be a charge or deduction for a fee. This might be annually, semi annually, or quarterly. I might be called an account maint...
by CABob
Fri Apr 15, 2016 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: ETF vs. index fund
Replies: 5
Views: 456

Re: ETF vs. index fund

It may depend on where your Roth is held. Purchase of an ETF may be less expensive with some discount brokers that charge a transaction fee for purchasing Vanguard funds. If the account is at Vanguard it doesn't make much difference since you can buy either at no cost.
by CABob
Wed Apr 13, 2016 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: I would like to know the tax efficient vanguard funds & etfs in order.
Replies: 13
Views: 1031

Re: I would like to know the tax efficient vanguard funds & etfs in order.

From the Wiki https://www.bogleheads.org/wiki/Tax-efficient_fund_placement Approximate Tax Efficiency Ranking for Major Asset Classes Efficient Low-yield money market, cash, short-term bond funds Tax-managed stock funds Large-cap and total-market stock index funds Balanced index funds Small-cap or m...
by CABob
Tue Apr 12, 2016 9:58 am
Forum: Personal Consumer Issues
Topic: Using stamps - getting the amount correct with new stamps?
Replies: 15
Views: 3348

Re: Using stamps - getting the amount correct with new stamps?

Has anyone figured out a way to tax loss harvest Forever postage stamps?
I understand that this is quite significant in that the last time there was a postage rate decrease was 1919.
by CABob
Sat Apr 09, 2016 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: fidelity recommended portfolios
Replies: 22
Views: 1921

Re: Source of Bogle quote for Abuss

This second part of Bogle quote is from the December 2, 2006 edition of The Wall Street JournaL : Best wishes. Taylor :oops: Leave it to Taylor to quote something from 2006. :confused I seem to recall Bogle recommending on a number occasions a 60/40 balanced index fund VBINX for a one fund portfoli...
by CABob
Fri Apr 08, 2016 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: fidelity recommended portfolios
Replies: 22
Views: 1921

Re: fidelity recommended portfolios

The first question I would ask is whether Fidelity or the advisor is making more money if you change to their recommended portfolio? The second question is whether their recommended portfolio significantly changes your asset allocation particularly your stock to bond ratio. Thirdly, I wonder how the...
by CABob
Thu Apr 07, 2016 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Investing with Vanguard vs Brokerage Firms
Replies: 24
Views: 1817

Re: Investing with Vanguard vs Brokerage Firms

I agree, which is why I opened new accounts with Scottrade last fall. Arguably better customer service than Vanguard, and for me a $3k opening bonus. Also can buy Vanguard Admiral funds at Scottrade without meeting Vanguard's minimum investment, although this wasn't a factor for me. But you do have...
by CABob
Wed Apr 06, 2016 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Help Understanding Share Price Difference
Replies: 2
Views: 224

Re: Help Understanding Share Price Difference

Have you tried to get a quote from another source for comparison?
by CABob
Wed Apr 06, 2016 6:27 pm
Forum: Personal Consumer Issues
Topic: Experience with COSTCO refilling ink cartrridges?
Replies: 8
Views: 1058

Re: Experience with COSTCO refilling ink cartrridges?

In the past when I had an HP printer I got cartridges refilled probably a dozen times. I recall only one time that I had a problem with a cartridge. I think the problem may have been that the cartridge was stored for quite a while before I put it in the printer. I did limit my usage to perhaps reloa...
by CABob
Wed Apr 06, 2016 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: What to do when all 401k options are bad?
Replies: 7
Views: 423

Re: What to do when all 401k options are bad?

Keep in mind that your employer may change plans in the future to something better in which you will be able to move your account. Similarly, you may not be employed with this company forever. You may find future employment with a firm that has a more desirable plan and you will be able to transfer ...
by CABob
Wed Apr 06, 2016 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Investing with Vanguard vs Brokerage Firms
Replies: 24
Views: 1817

Re: Investing with Vanguard vs Brokerage Firms

Is it best to open an account directly with Vanguard? To me it depends on what you intend to invest. If you will be investing in mutual funds from a single company (Vanguard, Fidelity, etc.) then and account with that company works best. If you are investing in ETFs or individual stocks you will ne...
by CABob
Tue Apr 05, 2016 10:35 pm
Forum: Investing - Theory, News & General
Topic: TradeKing to Join Forces with Ally‏
Replies: 2
Views: 890

Re: TradeKing to Join Forces with Ally‏

Interesting, this article from the WSJ provides some more detail.
by CABob
Tue Apr 05, 2016 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: Questions re: types of IRAs and RMDs.
Replies: 12
Views: 653

Re: Questions re: types of IRAs and RMDs.

Once you reach RMD age, transfers and rollovers from one IRA to another have an added compilcation. The IRS says that the first withdrawals from your IRAs must go to satisfy the RMD . Therefore, you must make all RMDs prior to doing any transfer, conversion to Roth, or rollover . Is this correct? I...
by CABob
Tue Apr 05, 2016 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Questions re: types of IRAs and RMDs.
Replies: 12
Views: 653

Re: Questions re: types of IRAs and RMDs.

Is there a real advantage to combining accounts prior to RMD-time? I think that an advantage would be that it simplifies or makes more straightforward the RMDs when they start so that only one account and custodian would be involved. A related disadvantage to keeping the accounts separate for the m...
by CABob
Tue Apr 05, 2016 1:00 pm
Forum: Personal Consumer Issues
Topic: Office Phone Cord always bunched up
Replies: 13
Views: 902

Re: Office Phone Cord always bunched up

Any secrets from the wise BH community on how to rid of this annoyance? Start by understanding that it is your actions when using the phone that are tangling the cord. Changing hands, spinning around in your chair or when standing, or other activities are what is causing the tangle. Try to change y...
by CABob
Sun Apr 03, 2016 7:51 pm
Forum: Personal Consumer Issues
Topic: Breaking concrete
Replies: 42
Views: 3298

Re: Breaking concrete

Or I could possibly pile dirt about 5" above the concrete and it would be level with the rest of the grass. Just don't know if this would work or not. Is this dumb or has anyone successfully done something like this before. This sounds like a very poor idea unless you expect to take the grass ...
by CABob
Fri Apr 01, 2016 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Living Trust vs Transfer on Death
Replies: 54
Views: 3610

Re: Living Trust vs Transfer on Death

afan wrote:You can write your will to establish the trust at your death.

A will can transfer assets into a trust if I understand correctly. Do those assets avoid probate or must these assets go through probate in order to go into the trust?
by CABob
Fri Apr 01, 2016 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Living Trust vs Transfer on Death
Replies: 54
Views: 3610

Re: Living Trust vs Transfer on Death

pshonore wrote:And living trusts do not always avoid probate fees. In Connecticut they are subject to the same statutory Probate fees. As an example:

$1 mil Estate $1865
$2 mil Estate $5615
$5 mil Estate $21615

And that sounds relatively cheap as compared to California.
by CABob
Thu Mar 31, 2016 10:54 am
Forum: Personal Consumer Issues
Topic: New tire with no manufacture date
Replies: 4
Views: 467

Re: New tire with no manufacture date

From Tire Rack Regulations also require the entire DOT Tire Identification Number to be branded on one sidewall while only the letters "DOT" and the first digits of the Tire Identification Number must be branded onto the opposite sidewall (shown below). Therefore it is possible to see a Ti...
by CABob
Wed Mar 30, 2016 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Hello Everybody, I need some help!
Replies: 9
Views: 612

Re: Hello Everybody, I need some help!

I suggest that you ignore the advice provided by the financial advisor. It's not necessarily bad advice, but it leads to a very complex portfolio when something much simpler will suffice. I suggest you put your contributions into the S&P 500 Index fund and the Bond Index fund. You should determi...
by CABob
Wed Mar 30, 2016 7:07 pm
Forum: Investing - Theory, News & General
Topic: newbie needs help: stock trading terminology at the most basic level
Replies: 17
Views: 1259

Re: newbie needs help: stock trading terminology at the most basic level

If by chance I caught you before you completely signed off let me mention http://www.investopedia.com/
I consider it to be the 'go to' source for definitions and terminology.
Good Luck in your endeavors.
by CABob
Wed Mar 30, 2016 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Costco and AMEX
Replies: 57
Views: 16376

Re: Costco and AMEX

bbrock wrote:I was considering getting the Citi double cash visa, but I may not even bother.

Are you sure the Double Cash Card is available as a Visa? I was under the impression that it was only available as a MasterCard. But it wouldn't be the first time I was misinformed.
:annoyed
by CABob
Wed Mar 30, 2016 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Converting to a 3 fund portfolio (gradually or all at once)?
Replies: 16
Views: 1245

Re: Converting to a 3 fund portfolio (gradually or all at once)?

With regard to the tax advantaged accounts I suggest you make the transfer the assets as a lump sum. You are fully invested now and you intend to be fully invested after the change so I see not advantage to do it gradually and any "market timing" effect would be small. In general the same ...
by CABob
Tue Mar 29, 2016 9:29 am
Forum: Personal Finance (Not Investing)
Topic: What is your current Cash to Investment ratio?
Replies: 112
Views: 5724

Re: What is your current Cash to Investment ratio?

Kevin M wrote:Is a bond with 3 year maturity cash?

I guess it can be whatever you want it to be. I would not consider it to be cash but on the other hand I have some EE savings bonds that I consider to be cash. That is because I can relatively easily convert them to cash at a known value.
by CABob
Mon Mar 28, 2016 11:00 pm
Forum: Investing - Theory, News & General
Topic: Simplified account structure for Vanguard clients?
Replies: 14
Views: 2018

Re: Simplified account structure for Vanguard clients?

There have been some prior threads on the subject. Many clients have been "directed" convert by Vanguard and I expect that all will be converted at some time. Reactions have been mixed on whether this is a good thing or not. I have only Vanguard funds in my accounts so I don't think there ...
by CABob
Mon Mar 28, 2016 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: What is your current Cash to Investment ratio?
Replies: 112
Views: 5724

Re: What is your current Cash to Investment ratio?

I am apparently different than most but I have a tad over 10% in cash. I have always wanted a significant amount in ready cash. True, but we don't know their situations. 1% cash could be a million dollars. Or maybe they are tenured professors and cannot be fired under normal circumstances. Or maybe...
by CABob
Mon Mar 28, 2016 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: What is your current Cash to Investment ratio?
Replies: 112
Views: 5724

Re: What is your current Cash to Investment ratio?

I am apparently different than most but I have a tad over 10% in cash. I have always wanted a significant amount in ready cash.
by CABob
Mon Mar 28, 2016 9:52 pm
Forum: Personal Consumer Issues
Topic: all-in-one? (printer, scanner, copier.)
Replies: 29
Views: 1764

Re: all-in-one? (printer, scanner, copier.)

I have had an Epson WF-2540 for a couple of years now and am quite happy with it. http://www.epson.com/cgi-bin/Store/jsp/Product.do?sku=C11CC36201&UseCookie=yes&UseCookie=yes It appears that this is now a discontinued model but Epson has a number of similar ones such as the WF-2630. http://w...
by CABob
Sun Mar 27, 2016 2:18 pm
Forum: Investing - Theory, News & General
Topic: "Mitigating the Risks of Cognitive Decline"
Replies: 45
Views: 5011

Re: "Mitigating the Risks of Cognitive Decline"

"The thing I don't understand is how you set it up so that it can only be used for living expenses and health care." Remember that living expenses and health card can be defined quite broadly. Dining at the most expensive restaurant in town is still a living expense. A Caribbean cruise is...
by CABob
Sun Mar 27, 2016 10:11 am
Forum: Personal Consumer Issues
Topic: Low flow shower head?
Replies: 32
Views: 2340

Re: Low flow shower head?

Check with your local water or other utility company. They may have free low flow shower heads. I have one that looks a lot like http://www.amazon.com/Niagara-N2915CH-Chrome-Shower-Head/dp/B009HXAP9C except that it is plastic that I got for the Boglehead favorite price that I've been using for a cou...
by CABob
Sat Mar 26, 2016 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: Reallocation and retirement planning
Replies: 7
Views: 590

Re: Reallocation and retirement planning

Avoid free seminars and free webinars. Their ultimate goal is to sell you something. I don't completely agree. I occasionally watch or read a webinar sponsored by Vanguard. Some have been quite informative. Actually they have all been informative but not necessarily useful to me personally. https:/...
by CABob
Sat Mar 26, 2016 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Possible to ask for a duplicate credit card?
Replies: 10
Views: 807

Re: Possible to ask for a duplicate credit card?

I have had my Costco AMEX card crack several times and have asked and gotten an identical replacement card. But going somewhat off topic I have not had that happen for any card other than the Costco/AMEX. I can't help but wonder if it is something in the manufacture of that particular card or in the...
by CABob
Fri Mar 25, 2016 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Bank americard cash rewards
Replies: 7
Views: 662

Re: Bank americard cash rewards

letsgobobby wrote:This is not taxable income. It's gimmick free.

Are you sure? Sign up bonus offers I have heard about (and participated in) for checking and savings account the bonus is considered to be interest and is taxable.

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