Search found 4744 matches

by CABob
Tue Nov 19, 2019 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Bad Idea to Close Oldest Credit Card?
Replies: 20
Views: 1380

Re: Bad Idea to Close Oldest Credit Card?

The thing I never understood is, the credit score category is called "length of credit history". Closing an account doesn't really change the length of your credit history. It changes the history of one card....which if you have others with plenty of history shouldn't be much of a factor. But the O...
by CABob
Tue Nov 19, 2019 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Bad Idea to Close Oldest Credit Card?
Replies: 20
Views: 1380

Re: Bad Idea to Close Oldest Credit Card?

I quit using my chase freedom card after I got my Citibank 2% cash back card. Now Chase is charging me $10 a month for not using the card. Anyone else having this experience with Chase? I have had a Chase card for some time but only use it upon occasion with sometimes several months in a row withou...
by CABob
Mon Nov 11, 2019 12:08 am
Forum: Personal Investments
Topic: Best broker for young newbie?
Replies: 10
Views: 746

Re: Best broker for young newbie?

For that amount of money up to perhaps $1000 I suggest a money market fund at a local bank or credit union. then they might consider a low cost broker or mutual fund company.
by CABob
Sun Nov 10, 2019 10:15 pm
Forum: Investing - Theory, News & General
Topic: If you were forced to pick an alternative asset...
Replies: 101
Views: 6152

Re: If you were forced to pick an alternative asset...

countmein wrote:
Sun Nov 10, 2019 9:33 pm
heirloom seeds
Tulip bulbs?
by CABob
Sun Nov 10, 2019 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: What happens if a QCD check is not cashed before January 1?
Replies: 14
Views: 800

Re: What happens if a QCD check is not cashed before January 1?

Is the IRS going to know when the check is actually cashed?
by CABob
Sat Nov 09, 2019 10:30 pm
Forum: Investing - Theory, News & General
Topic: If you were forced to pick an alternative asset...
Replies: 101
Views: 6152

Re: If you were forced to pick an alternative asset...

Goats!
In my neighborhood there are people who have a dozen or so goats that they rent out to clear land of brush, grass, etc.
by CABob
Mon Nov 04, 2019 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 118
Views: 9553

H&R Block Deluxe software

[Thread merged into here, see below. --admin LadyGeek]

Today I received an email offering the Deluxe version for $29.95. Is that as good as it is going to get or is there apt to be a better offer down the road. I thought I had paid ~$18 last year but I may be confusing it with the Basic version.
by CABob
Sun Nov 03, 2019 8:42 pm
Forum: Personal Investments
Topic: Is there a typical age (or years until retirement) where Roth IRA stops making sense vs pre-tax (401k)?
Replies: 17
Views: 2386

Re: Is there a typical age (or years until retirement) where Roth IRA stops making sense vs pre-tax (401k)?

I can't provide definitive guidance or answer to your question but my personal experience might be of interest. The Roth IRA came along as I was in my mid to late 50's as I was just starting to think about retirement. My thoughts and conclusion at the time was that I just did not have enough time fo...
by CABob
Mon Oct 28, 2019 10:52 am
Forum: Forum Issues and Administration
Topic: Why can’t some members receive PMs?
Replies: 9
Views: 933

Re: Why can’t some members receive PMs?

If you go to your User Control Panel - Board Preferences one of the options is to click Yes/No for receiving PMs. I would think that the person you wish to send to has that checked.
by CABob
Sat Oct 26, 2019 12:25 pm
Forum: Investing - Theory, News & General
Topic: What were the best portfolios during the "lost decade" 2000-2009?
Replies: 33
Views: 3624

Re: What were the best portfolios during the "lost decade" 2000-2009?

The Callen periodic chart tells me that a well diversified portfolio did as good as anything except some fortunate guesses that likely change from year to year.
And I see some pretty good returns for some sectors in some years.
by CABob
Fri Oct 18, 2019 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Question - RMD on Inherited IRA
Replies: 16
Views: 1178

Re: Tax Question - RMD on Inherited IRA

But if the beneficiaries trust that one or more of them will complete the requirement and family communication is effective, they do not have to each take out 1/7 of the 2019 RMD. Does this mean that taxes are paid by whoever chooses to take a portion of the RMD? This implies that whoever has the l...
by CABob
Mon Oct 14, 2019 12:05 pm
Forum: Personal Consumer Issues
Topic: How to retrieve measuring stick stuck inside oil delivery pipe?
Replies: 29
Views: 1692

Re: How to retrieve measuring stick stuck inside oil delivery pipe?

OP said that the stick is inside the oil delivery pipe. Therefore, the next delivery is going to pour tens if not hundreds of gallons of fuel oil down the pipe, very likely pushing the stick out of the way and into the main tank. I can't visual a configuration where measuring the level in the oil d...
by CABob
Sun Oct 13, 2019 11:38 am
Forum: Personal Consumer Issues
Topic: USPS package policies?
Replies: 7
Views: 639

Re: USPS package policies?

Has the friend or anyone acting for her done anything regarding all of the mail that has and will be accumulating at the post office?
by CABob
Wed Oct 09, 2019 5:34 pm
Forum: Investing - Theory, News & General
Topic: A, B and C mutual fund shares: example
Replies: 15
Views: 1223

Re: A, B and C mutual fund shares: example

Have you read Investopedia's contribution to the subject?
https://www.investopedia.com/articles/m ... eclass.asp
by CABob
Mon Oct 07, 2019 10:45 am
Forum: Personal Investments
Topic: Advice on asset allocations
Replies: 13
Views: 2015

Re: Advice on asset allocations

With regard to a tax efficient fund for bonds in a taxable account I have a holding in VCADX which is a California tax exempt bond fund.
But you might also consider increasing your bond allocation in your tax advantaged accounts and not include bonds in the taxable account.
by CABob
Sat Sep 28, 2019 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card rebate
Replies: 8
Views: 694

Re: Credit card rebate

Thanks all for your responses. It confirms what I thought unfortunately not as I had originally interpreted.
by CABob
Sat Sep 28, 2019 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card rebate
Replies: 8
Views: 694

Credit card rebate

I have a credit card issued by Citi co-branded with Sears. They have a statement credit offer that will earn 10% back in statement credits. The offer states: You have the opportunity to receive 10% back in a statement credit on eligible grocery store, gas station, and restaurant purchases which tota...
by CABob
Sun Sep 15, 2019 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Time for QCD/IRA RMD -- need dividend estimate
Replies: 10
Views: 544

Re: Time for QCD/IRA RMD -- need dividend estimate

I'll log on to Vanguard and see if I can get a ballpark on what to expect in taxable dividends --- that's the only real unknown at this point. The current yield on the Total Stock Market is 1.88% so your current balance times .0188 would be quite close to the dividends you will receive for the curr...
by CABob
Fri Sep 13, 2019 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: "Estate Planning Checklist" (for all of us)
Replies: 23
Views: 3828

Re: "Estate Planning Checklist" (for all of us)

It says trust if you need it. Under what circumstances would that be needed that can't be achieved with a will? Maybe I should ask in a fresh thread or search around first. A search is certainly warranted and it is a subject that has been discussed extensively. The pros and cons of a will are frequ...
by CABob
Fri Sep 13, 2019 5:40 pm
Forum: Personal Consumer Issues
Topic: Need gift ideas for my parents
Replies: 18
Views: 1369

Re: Need gift ideas for my parents

Some thoughts from personal experience: Are you sure that they want and would appreciate a gift of the type you are thinking. In some cases just seeing children and grandchildren more often would be appreciated. Knowing that a child spends a lot of money (perhaps not as much as you mentioned) for "s...
by CABob
Mon Sep 02, 2019 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting part of RMD's to a 503c
Replies: 23
Views: 1184

Re: Gifting part of RMD's to a 503c

Also in the yr I turn 70.5 I can not use some of my RMD as a QCD to save on taxes? Not quite correct. You can make a QCD after you turn 70.5. The QCD is part of your RMD so you need to make sure you have the amount of the desired QCD available in the account before you take the last of the RMD.
by CABob
Fri Aug 23, 2019 6:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard supervisor and brother-in-law stole over $2M from dead customers and dormant accounts
Replies: 30
Views: 6074

Re: Former Vanguard employee convicted of fraud

galawdawg wrote:
Fri Aug 23, 2019 5:11 pm
This information has been posted (and locked) before. viewtopic.php?t=275832
The sentence (punishment) is new.
by CABob
Thu Aug 22, 2019 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Paying credit card "current balance" vs. "statement balance"
Replies: 48
Views: 4694

Re: Paying credit card "current balance" vs. "statement balance"

As I make purchase with my card, I pay them off weekly :happy I am very surprised at the number of people who make interim (during statement cycle) payments on their cards. I would think that making a weekly payment is a lot of bother. As long as the statement balance is paid prior to its due date ...
by CABob
Fri Aug 16, 2019 1:53 pm
Forum: Personal Investments
Topic: Quick question about submitting portfolio numbers for review
Replies: 11
Views: 654

Re: Quick question about submitting portfolio numbers for review

Suggest you summarize the best you can. For starters I and probably others will suggest that 24 funds is just too many to be meaningful. That and small percentages are just not significant in ones portfolio. An allocation of 0.014% in a $100,000 portfolio would be $14. Even if you meant to say 1.4% ...
by CABob
Fri Aug 16, 2019 1:04 pm
Forum: Forum Issues and Administration
Topic: Why is "The Americans" on the Bogleheads Amazon list?
Replies: 6
Views: 2276

Re: Why is "The Americans" on the Bogleheads Amazon list?

The link is not a recommendation for a specific product but rather a suggestion to use the link for an Amazon purchase so Bogleheads can get a piece of the action.
https://www.bogleheads.org/support.php
See Affiliate Links at the bottom of this page.
by CABob
Thu Aug 15, 2019 8:03 pm
Forum: Investing - Theory, News & General
Topic: Personal Flagship Representaive Going Away
Replies: 126
Views: 13659

Re: Personal Flagship Representaive Going Away

Vanguard knows client age and utilization of the Flagship rep. I'll go out on a limb and venture that older customers who interact with the named Flagship rep are keeping that service past others who are younger and interact less to never. I believe I would be in the "older" group. I received the n...
by CABob
Mon Aug 12, 2019 7:08 pm
Forum: Personal Consumer Issues
Topic: Hearing Aids
Replies: 45
Views: 3638

Re: Hearing Aids

A review of Costco from an admittedly biased source (an audiologist) Yet - he still raises some valid points: I am right on the edge now -- just moderate but considering buying in the not too distant future https://hearinghealthmatters.org/theaudiologycondition/2019/costco-hearing-aids-good-bad-ugl...
by CABob
Wed Aug 07, 2019 3:06 pm
Forum: Personal Investments
Topic: DRIP (Dividend Reinvestment Plan)
Replies: 30
Views: 3735

Re: DRIP (Dividend Reinvestment Plan)

At that time it was through some NIAP investment thing (I'm pretty sure I'm missing a letter or two in that acronym). I think the association is AAII but I could be wrong too. I believe the organization was National Association of Investors Corp which now seems to be known as Better Investing. http...
by CABob
Sun Jul 28, 2019 6:52 pm
Forum: Personal Consumer Issues
Topic: Vanguard:Search results are unavailable at this time.
Replies: 14
Views: 785

Re: Vanguard:Search results are unavailable at this time.

I almost always am unable to do a Vanguard search from Chrome, getting the "unavailable" message. I have usually gone to Internet Explorer to get it done.
by CABob
Sat Jul 27, 2019 10:18 pm
Forum: Personal Investments
Topic: Rebalancing into 3 Fund Portfolio - Taxable & 401k account questions
Replies: 4
Views: 314

Re: Rebalancing into 3 Fund Portfolio - Taxable & 401k account questions

We are in our late 30's and hold several 401k's from past jobs that are no longer being contributed to. They all three have great index options so we have left them alone. Is there a reason you haven't consolidated into a single account? Pick the best plan and consolidate there or open a rollover I...
by CABob
Tue Jul 23, 2019 10:02 am
Forum: Personal Finance (Not Investing)
Topic: How to get the best VG customer service?
Replies: 10
Views: 836

Re: How to get the best VG customer service?

... I’m a flagship client. Is there a way I can request a call in advance to improve the odds that they’ll assign an experienced knowledgeable person to call me? ... You can schedule a call through their website. And if you tell them in advance the nature of the call I think there might be a better...
by CABob
Sun Jul 21, 2019 11:42 am
Forum: Personal Investments
Topic: Thoughts on 33% Large 33% Mid and 33% small?
Replies: 84
Views: 6740

Re: Thoughts on 33% Large 33% Mid and 33% small?

I think it is over weighting small and mid cap stocks significantly. If they over perform significantly then this would be a good asset allocation. Personally I don't think this would be a good idea.
by CABob
Sun Jul 21, 2019 11:36 am
Forum: Investing - Theory, News & General
Topic: Are index funds becoming too popular?
Replies: 11
Views: 1800

Re: Are index funds becoming too popular?

According to recent news articles, index funds are currently around 50% of US stock fund assets and still growing fast! This may or may not be true and I am inclined to think that 50% is very high, but keep in mind that this is only mutual funds. There are also a lot of institutions and individuals...
by CABob
Sat Jul 20, 2019 6:11 pm
Forum: Personal Investments
Topic: Voyager Select vs Flagship
Replies: 14
Views: 1715

Re: Voyager Select vs Flagship

I looked and it's been about 2 years since this was discussed..... I'm currently at Flagship with Vanguard but, in wanting to simplify financial life, plan to move a Vanguard IRA to Schwab (where 90+ % of retirement assets are currently). I'll then have all retirement assets there. Doing so will dr...
by CABob
Wed Jul 17, 2019 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Karma keeps sends email about newly closed accounts but there's nothing recent - anyone else?
Replies: 17
Views: 1308

Re: Credit Karma keeps sends email about newly closed accounts but there's nothing recent - anyone else?

I occasionally get an email that says that I recently paid off a balance on an account. This is something that happens every month on a couple of accounts so it is no big deal and I wonder why it was sent. But I have not had a notice that an account was closed and if I did I might be a bit concerned...
by CABob
Wed Jul 17, 2019 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Any downside to using 'trusted contact' feature for financial accounts?
Replies: 17
Views: 1704

Re: Any downside to using 'trusted contact' feature for financial accounts?

I suggest you read closely what you are agreeing to and exactly what the trusted contact can do. I may be mistaken and have no direct experience but my understanding is that the trusted contact is typically only used when the institution cannot contact you and/or if they see suspicious account activ...
by CABob
Wed Jul 10, 2019 10:55 am
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 10541

Re: Who cuts your hair? And for how much?

My daughter was a stylist and I would go to her shop where the haircut was free (sort of). All it cost me was a 200 mile drive and lunch for 3-4 family and friends. :mrgreen:
by CABob
Sun Jul 07, 2019 11:05 am
Forum: Personal Finance (Not Investing)
Topic: When to find a Financial Advisor in Retirement
Replies: 20
Views: 1594

Re: When to find a Financial Advisor in Retirement

I have been retired for about 16 years and have not yet found a need for an adviser.
What I have done is simplify my portfolio with a target retirement fund and set up RMD in advance. I do worry a bit about how my DW will handle investments after I am no longer around.
by CABob
Sat Jul 06, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: Gillette Skinguard razor
Replies: 5
Views: 846

Re: Gillette Skinguard razor

Just curious, if it's working for you why do you need other people's opinion, lol? I guess I don't 'need' other opinions, but am curious. I can't imagine that I am suggesting a razor the the manufacturer and I admit that does not produce a 'close' shave. When is a comfortable shave more important t...
by CABob
Fri Jul 05, 2019 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Have trust already, how to add monetary gifts to grandchildren
Replies: 20
Views: 920

Re: Have trust already, how to add monetary gifts to grandchildren

Are you asking about adding GKids as beneficiaries to the trust or are you asking about gifts now, separate from the trust provisions?
by CABob
Fri Jul 05, 2019 11:18 am
Forum: Personal Consumer Issues
Topic: Gillette Skinguard razor
Replies: 5
Views: 846

Gillette Skinguard razor

I'm not sure the forum is ready for another conversation about razors, but am interested in the thoughts and experiences with the the Gillette Skinguard razor. I guess this is the latest in a long line of Gillette razors. I have been using one for that last couple of weeks. Prior to this I have used...
by CABob
Wed Jun 26, 2019 1:13 pm
Forum: Investing - Theory, News & General
Topic: Individual Stocks .. talk me out of it
Replies: 31
Views: 2211

Re: Individual Stocks .. talk me out of it

I see multiple sites offering subscriptions for a portfolio of stocks they pick. It sounds as if they are selling a newsletter or perhaps the services of an adviser. There are a number of them out there. I have a 3 fund portfolio am I missing out on something? Probably not. Do individual stocks giv...
by CABob
Sun Jun 23, 2019 7:57 pm
Forum: Personal Investments
Topic: Reinvesting Dividends or no
Replies: 41
Views: 5189

Re: Reinvesting Dividends or no

For RMDs I’m assuming the brokerage would know to use the oldest to sell? Or should I be considering something else? Tax loss and Tax harvesting are terms I don’t understand. However I do know I need to have a much better understanding for taxes and I don’t right now. RMDs coming from an IRA are ta...
by CABob
Sun Jun 23, 2019 7:11 pm
Forum: Personal Consumer Issues
Topic: Discounted Postage Stamps
Replies: 45
Views: 4373

Re: Discounted Postage Stamps

From earlier posts I checked Amazon for forever stamps and it appeared that they had several listed at a premium to their face value rather that at discount. Why would anyone buy them other than a perceived convenience over going to a post office?
by CABob
Fri Jun 14, 2019 10:34 pm
Forum: Personal Investments
Topic: Arguments for getting more complex than three-fund portfolio? (portfolio review / first post)
Replies: 16
Views: 1541

Re: Arguments for getting more complex than three-fund portfolio?

If you are reading or have read the Boglehead Three Fund book I wouldn't expect to find much information on other investments generally called "tilts" such as REIT. For more on that subject you would be better served by one of the books on asset allocation such as those by Ferri, Swedroe, or Schulth...
by CABob
Wed Jun 12, 2019 10:01 am
Forum: Personal Consumer Issues
Topic: Which shaving cream / oil?
Replies: 58
Views: 4245

Re: Which shaving cream / oil?

I have used Gillette Fusion gel for some time and am generally satisfied with it. I have tried a number of creams which are OK but I think they tend to clog the razor. As far as oils, I have used baby oil (or mineral oil) with some satisfaction and the skin feels good afterward.
by CABob
Fri Jun 07, 2019 12:28 pm
Forum: Personal Consumer Issues
Topic: Gillette Fusion razors
Replies: 57
Views: 5389

Re: Gillette Fusion razors

Ok, so just saw this and I must admit it is a bit over the top! When will it end? https://ondemand.gillette.com/en-us/shop/products/hot-shave?gclid=CjwKEAjwlujnBRDl2teOp_veulQSJAC5bHgtXZ8WY5BpTrSe_Nr8c9eF6bdDhmHDUpAZFtTd-jQ-ZxoCOzjw_wcB&gclsrc=aw.ds Wow :shock: That is outrageous. Can't wait for so...
by CABob
Wed Jun 05, 2019 9:15 pm
Forum: Personal Investments
Topic: Retired Income Investors: What do you do with dividends/interest in an IRA?
Replies: 5
Views: 672

Re: Retired Income Investors: What do you do with dividends/interest in an IRA?

I have my dividends reinvested in the fund they came from. Since I follow a total return approach once the money is in the tax deferred account it is not distinguished from other money. Withdrawals which should be based on a need for the money are taxed the same regardless of where the money came fr...