Search found 4437 matches

by CABob
Sat Feb 17, 2018 12:47 am
Forum: Investing - Theory, News & General
Topic: Which book for an 18 year old who is asking about investing?
Replies: 45
Views: 2837

Re: Which book for an 18 year old who is asking about investing?

I would suggest one of Eric Tyson's books for your consideration. Any of them are good but my personal favorite is "Personal Finance for Dummies."
by CABob
Fri Feb 16, 2018 4:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard LifeStrategy Funds vs. Target Date Funds
Replies: 63
Views: 5525

Re: Vanguard LifeStrategy Funds vs. Target Date Funds

The glide path for the TR funds approach the TR income fund which has a 30/70 allocation while the LS Income fund has 20/80. The LS Conservative Growth fund has an allocation of 40/60. If you want a 30/70 allocation you can't get there with the LS funds without an additional fund. This may not be a ...
by CABob
Thu Feb 15, 2018 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Just added Total Int'l Stock; add Total Int'l Bond too?
Replies: 25
Views: 1874

Re: Just added Total Int'l Stock; add Total Int'l Bond too?

Today I took the big plunge and moved to a three-fund portfolio. I added Vanguard Total International Stock fund (VTIAX) to my previous two funds (Vanguard Total Stock and Total Bond). VTIAX now comprises 20% of my equity allocation. I'm just wondering if, while I'm at it, I should add Total Intern...
by CABob
Thu Feb 15, 2018 2:06 pm
Forum: Investing - Theory, News & General
Topic: How many of you use the "4% rule" during retirement?
Replies: 68
Views: 8171

Re: How many of you use the "4% rule" during retirement?

I have not "used" the rule at least not in its usual sense. I've been retired for about 15 years and shortly before I retired and for a few years following I calculated what my withdrawal could be. This was one of my factors on deciding if and when I could retire. My actual withdrawals have been wha...
by CABob
Wed Feb 14, 2018 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Where would you park 140k [Where to invest 140k]
Replies: 19
Views: 1786

Re: Where would you park 140k [Where to invest 140k]

Will take a look into the total stock index fund.
This would be the largest of the funds that make up your target date funds.
by CABob
Wed Feb 14, 2018 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Where would you park 140k [Where to invest 140k]
Replies: 19
Views: 1786

Re: Where would you park 140k

Assuming this is taxable money I would probably put it all into a total stock market index fund then if necessary adjust your tax advantaged accounts to maintain your desired overall asset allocation.
by CABob
Sun Feb 11, 2018 2:38 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Taylor!
Replies: 84
Views: 4110

Re: Happy Birthday, Taylor!

I also am a bit late after apparently missing the OP a few weeks ago but wanted to let you know that from my first response from you on the M* forum when I asked about asset allocation until now I have admired your help, consideration, and expertise responding to sometimes dumb questions. Happy Birt...
by CABob
Sat Feb 10, 2018 2:03 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2070
Views: 1260505

Re: The Three-Fund Portfolio

tj wrote:
Sat Feb 10, 2018 1:46 pm
ankonaman wrote:
Sat Feb 10, 2018 12:59 pm
How would the new Global Wellington Fund Admiral Shares stack up against the 3 fund portfolio?
Which allocation of the 3 fund? In any event, way too early to know.
And it most likely would depend on the time frame used for comparison.
by CABob
Sat Feb 10, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: Flat tire replacement
Replies: 26
Views: 1283

Re: Flat tire replacement

It sounds like good advice to me. If you don't already do so it might be a good time to start rotating tires so the "new" tire wears like the others.
by CABob
Thu Feb 08, 2018 12:51 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2070
Views: 1260505

Re: The Three-Fund Portfolio

I'm curious if, in addition to covering ideas like "why the three-fund portfolio is a smart option," it also covers the long-term management, both pre- and post-retirement, of the three-fund portfolio? I'm thinking specifically about details like the use of taxable vs. non-taxable accounts, rebalan...
by CABob
Mon Feb 05, 2018 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Additional Risks of Margin Accounts
Replies: 9
Views: 484

Re: Additional Risks of Margin Accounts

My understanding is that if you have a margin account it allows your broker to lend shares in your account. If that happens and the stock pays a dividend you will get an "in lieu of dividend" payment which prohibits using the payment as dividend income for its lower tax rate treatment. If my underst...
by CABob
Sat Feb 03, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: Cheapest funeral options
Replies: 40
Views: 3025

Re: Cheapest funeral options

I think you might get cremation and a minimum of extras (and there will most likely be some extras) for under $1000. My MIL recently passed and I think it was less than that to the mortuary. A very small memorial service primarily for family was done separately. Most mortuarys will have price list o...
by CABob
Sat Feb 03, 2018 2:39 pm
Forum: Investing - Theory, News & General
Topic: Motley Fool ETF Debuts (TMFC)
Replies: 11
Views: 1463

Re: Motley Fool ETF Debuts (TMFC)

As I recall they tried doing a mutual fund years agos but they shut it down when it did badly. I believe that there are still some Motley Fool Funds. I also have and do follow some of the Motley Fool message boards but take a pass on their subscription services and mutual funds and will likewise ta...
by CABob
Thu Feb 01, 2018 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Hourly, over the phone investing help
Replies: 15
Views: 859

Re: Hourly, over the phone investing help

My questions would require one heck of a lot of space. I agree that a good place to start would be here on this forum. Perhaps you could break your questions up into small pieces. I think that would make the questions and responses more direct and useful. If you feel you still need an adviser you m...
by CABob
Wed Jan 31, 2018 1:12 pm
Forum: Forum Issues and Administration
Topic: Is there a limit to the length of a post? Can stressful family financial conflict be mentioned?
Replies: 14
Views: 1980

Re: Is there a limit to the length of a post? Can stressful family financial conflict be mentioned?

And keep in mind the prohibited items such as medical advice, politics, items that are not actionable.
by CABob
Tue Jan 30, 2018 12:02 pm
Forum: Investing - Theory, News & General
Topic: The Vanderbilts
Replies: 26
Views: 3960

The Vanderbilts

An interesting article on how the Vanderbilt family did not keep their family fortune.
https://ofdollarsanddata.com/the-best-w ... 79b4085217
by CABob
Sun Jan 28, 2018 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Trust account at Vanguard with 2 trustees with separate logins
Replies: 15
Views: 1163

Re: Trust account at Vanguard with 2 trustees with separate logins

Our lawyer suggests it be put into the trust account as "<name of trust>, DH's separate property". Hopefully the lawyers and trust experts will be along shortly, but this doesn't sound correct. If you want to have the inheritance as DH property rather than joint property it doesn't sound logical to...
by CABob
Mon Jan 22, 2018 5:30 pm
Forum: Personal Consumer Issues
Topic: How much $ worth of things have you discarded without using?
Replies: 25
Views: 2383

Re: How much $ worth of things have you discarded without using?

There were a few things mostly in the clothes or tools area that that I have bought and did not use, but I don't think they would add up to much $. On the other had I have received gifts that I never used. How do you tell someone to just forget me when it is gift giving time. If I want is badly and ...
by CABob
Mon Jan 22, 2018 11:52 am
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 108
Views: 24045

Re: Vanguard opens special offices for $1 million clients

It is interesting that this year old conversation was revived. I am wondering if anyone has heard, seen, or experienced any changes or actions with regard to the "special offices"? It seems to me that perhaps some of the perks for the million dollar clients have in fact been deleted such as the ded...
by CABob
Mon Jan 22, 2018 12:54 am
Forum: Personal Consumer Issues
Topic: Collecting Old Currency... Best place to get? Online? Bank
Replies: 7
Views: 505

Re: Collecting Old Currency... Best place to get? Online? Bank

MortgageOnBlack wrote:
Sun Jan 21, 2018 11:39 pm
Edited: selling for $125-$160 (25-60 profit)
Thanks for the edit. It now makes more sense.
by CABob
Sun Jan 21, 2018 11:35 pm
Forum: Personal Consumer Issues
Topic: Collecting Old Currency... Best place to get? Online? Bank
Replies: 7
Views: 505

Re: Collecting Old Currency... Best place to get? Online? Bank

I'm not sure what you are seeing and am certainly not knowledgeable on the subject but it seems to me that if it is legal tender your aren't going to find anyone to sell it for $20-$60. If they are only collectors item then I don't think any bank will have them but instead will take them out of circ...
by CABob
Sun Jan 21, 2018 12:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 108
Views: 24045

Re: Vanguard opens special offices for $1 million clients

It is interesting that this year old conversation was revived. I am wondering if anyone has heard, seen, or experienced any changes or actions with regard to the "special offices"? It seems to me that perhaps some of the perks for the million dollar clients have in fact been deleted such as the dedi...
by CABob
Wed Jan 17, 2018 2:27 pm
Forum: Investing - Theory, News & General
Topic: Nostalgic about old online brokerages that no longer exist
Replies: 43
Views: 4895

Re: Nostalgic about old online brokerages that no longer exist

Nothing too nostalgic with me. If my memory is correct I went from Lombard to Discover Brokerage then closed the account. I opened a Scottrade account and transferred some securities from Smith Barney into it and now it looks like I am with TDA although no change for me yet. There is a similar and p...
by CABob
Sat Jan 13, 2018 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisory Services Fees
Replies: 33
Views: 2297

Re: Vanguard Personal Advisory Services Fees

Is there any move afoot in Vanguard to reassess these fees? Any suggestions what I should do? Thank you. I doubt that than Vanguard will make a major change to fees in the near future. As time passes they will probably reevaluate and there may be some minor changes (but what do I know?) I am retire...
by CABob
Fri Jan 12, 2018 11:48 pm
Forum: Investing - Theory, News & General
Topic: what investments are only for accredited investors?
Replies: 3
Views: 578

Re: what investments are only for accredited investors?

Fund fact, anyone can qualify for accredited investor status, since you generally only self-certify that your net worth & income meet the criteria. Since the people "selling" products to accredited investors generally earn commissions or fees on such sales, their levels of due diligence on the fina...
by CABob
Thu Jan 11, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: wild bird feed
Replies: 43
Views: 1918

Re: wild bird feed

I suggest you visit a local shop specializing in feeding birds such as Wild Birds Unlimited to get their suggestions and advice. I would think they would be helpful. Also the Audubon Society.
by CABob
Thu Jan 11, 2018 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Basic (Dumb) Vanguard Question
Replies: 17
Views: 1299

Re: Basic (Dumb) Vanguard Question

The three funds suggested I find interesting and I am wondering if the OP misunderstood. I think any one of the three would be a good possibility for an investment but not all three in any proportion. The target date fund is the only one that you could buy with a $1000 investment. The others have hi...
by CABob
Thu Jan 11, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Yet another Retiree Emergency Fund Question - Income floor vs EF?
Replies: 13
Views: 796

Re: Yet another Retiree Emergency Fund Question - Income floor vs EF?

I'm in the "Zero" column. No need for an emergency fund after 59.5 Since I am over 59.5 I suspect that I am in agreement with David Jay however I would state it as, "My entire portfolio is an emergency fund." Depending upon the nature of the emergency and how critical it is I might use any part of ...
by CABob
Thu Jan 11, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Wills and Trusts - what are you doing for the "immediate family all gone" scenario?
Replies: 8
Views: 635

Re: Wills and Trusts - what are you doing for the "immediate family all gone" scenario?

As you rightly indicated this would be a very unlikely event. Personally, I think I would be inclined to let the state and courts take care of it should it happen. In other words, ignore it for now.
by CABob
Sun Jan 07, 2018 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable Account at TD to Vanguard
Replies: 4
Views: 366

Re: Taxable Account at TD to Vanguard

I believe that most of your transactions will be commission free when they get into Vanguard accounts so I would think you would want to move them in-kind to Vanguard then make the portfolio changes. There may be a transaction fee to sell the DFA funds. You should probably check to see what the acco...
by CABob
Sat Jan 06, 2018 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Downsizing to one car in retirement...
Replies: 68
Views: 4158

Re: Downsizing to one car in retirement...

We've been retired for about 15 years and are still a two vehicle couple. I bought a new truck about 7 years ago. I must admit that it is not often that both vehicles are in use at the same time, but those few times would make it inconvenient to get by on one car. On the other hand I now have a 7 ye...
by CABob
Sat Jan 06, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: portable chargers for electronic devices
Replies: 35
Views: 1892

Re: portable chargers for electronic devices

There is also the hand cranked generators often with a radio and flashlight. This would be an awful lot of cranking for all of the devices you mentioned however.
by CABob
Thu Jan 04, 2018 4:16 pm
Forum: Investing - Theory, News & General
Topic: Why Edward Jones?
Replies: 25
Views: 3517

Why Edward Jones?

There seems to be a large number of post on this forum that go something like, “I’ve had an account with Full Service Broker for some time and realize that I might save some money buy going to another broker such as Fidguard.” The post generally goes on about the number of funds (or stocks), the exp...
by CABob
Tue Jan 02, 2018 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing 401k in January?
Replies: 11
Views: 1289

Re: Maxing 401k in January?

If there is no company match to be concerned about, or if the company will do a full true-up match contribution at the end of the year, then go for it. Be cautious, however, with how and when the company does its true-up. Many of those I have heard about doesn't do its true-up until March or April ...
by CABob
Tue Jan 02, 2018 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing 401k in January?
Replies: 11
Views: 1289

Re: Maxing 401k in January?

Probably no problem in doing this as long as you understand your employer's matching procedure and you make sure you are not losing out or excessive delays on any of the matching funds.
by CABob
Sat Dec 30, 2017 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Using Vanguard’s advisors
Replies: 50
Views: 4751

Re: Using Vanguard’s advisors

fear/greed wrote:
Sat Dec 30, 2017 8:30 pm
They check the account four times a year and rebalance if the asset allocation is more than 5% off, and they lock in the asset allocation so that it's difficult to change (perhaps as a deterrent to selling in fear in a market collapse).
How do they do that?
by CABob
Fri Dec 29, 2017 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: LifeStrategy Income Fund - Only 20% stocks?
Replies: 20
Views: 2208

Re: LifeStrategy Income Fund - Only 20% stocks?

Not responsive to your question, but I find it interesting that the VG LS Income fund is 20/80 while the TR Income fund is 30/70. Can someone explain this apparent discrepancy on the part of the VG decision makers? Not sure. However, if the VG LS fund was 30/70 or the TR Income Fund was 20/80, you ...
by CABob
Fri Dec 29, 2017 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Using Vanguard’s advisors
Replies: 50
Views: 4751

Re: Using Vanguard’s advisors

Any thoughts or recommendations. Thinking about moving funds to a trust account and also getting advice about T-IRA conversions to Roth IRA’S. Have you had good experience with Vanguard’s advisors ? If you are considering whether to set up a trust I don't think the VG would be the ones to advise. I...
by CABob
Fri Dec 29, 2017 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: LifeStrategy Income Fund - Only 20% stocks?
Replies: 20
Views: 2208

Re: LifeStrategy Income Fund - Only 20% stocks?

Not responsive to your question, but I find it interesting that the VG LS Income fund is 20/80 while the TR Income fund is 30/70. Can someone explain this apparent discrepancy on the part of the VG decision makers?
by CABob
Thu Dec 28, 2017 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Sell some taxable to contribute to traditional IRA?
Replies: 8
Views: 661

Re: Sell some taxable to contribute to traditional IRA?

Will you have a capital gain or loss in the taxable account you would be selling?
This might be the deciding factor to me.
by CABob
Wed Dec 27, 2017 11:24 pm
Forum: Investing - Help with Personal Investments
Topic: Bogle's Book Comparisons
Replies: 3
Views: 463

Re: Bogle's Book Comparisons

I believe that both books have been reviewed at books along with a number of other books. Suggest you read some of the reviews for an educated basis of choice.
by CABob
Wed Dec 27, 2017 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Invest in Target fund or 3 fund portfolio?
Replies: 14
Views: 1355

Re: Invest in Target fund or 3 fund portfolio?

The advantage to the target fund is simplicity. You don't have to worry about re-balancing and the time it takes to accomplish it. The advantages of the 3 fund are perhaps lower expense ratios and a more precise control over asset allocation. I am not that familiar with Schwab but at Vanguard you ca...
by CABob
Wed Dec 27, 2017 12:10 pm
Forum: Investing - Theory, News & General
Topic: Do any of you follow Bob Brinker?
Replies: 64
Views: 6766

Re: Do any of you follow Bob Brinker?

I followed his radio show for many years although not so much in recent years. I even subscribed to his newsletter for a couple of years but did not follow his recommendations. I think the title of his newsletter, Market-timer, is a bit misleading since it appeared to me that his portfolio changes w...
by CABob
Wed Dec 20, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 102
Views: 11205

Re: Any Instant Pot users here?

I see that a number of posters have mentioned using the instant pot for hard boiled eggs. I have been using an egg cooker similar to this one an like it very well. It also makes soft boiled eggs and the eggs seem to peel very easily and am wondering how the instant pot compares. Do you have to pierc...
by CABob
Mon Dec 18, 2017 8:53 pm
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 102
Views: 11205

Re: Any Instant Pot users here?

Is there something special about newspaper such that other paper or absorbent material (or other "quality of importance") wouldn't work? Probably not but I normally have a supply of newspaper handy. I would think that any paper with similar absorbent properties would work. Why do many suggest the u...
by CABob
Mon Dec 18, 2017 8:04 pm
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 102
Views: 11205

Re: Any Instant Pot users here?

The only downside we’ve seen so far is that the gasket around the lid retains smells. Try removing the gasket, clean and dry and wrap it in newspaper and store outside of the pot. We have an electronic pressure cooker which we like very much. Have considered the instant pot but I think we would use...
by CABob
Thu Dec 14, 2017 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Wow. Just Wow.
Replies: 29
Views: 5034

Re: Wow. Just Wow.

A couple of newspapers in my area do the "best of" thing yearly (in fact I'm wondering if you are in the same area as I). The votes are from the readers but I can see how EJ could "win" such a survey. I live in a very small community and I believe there are at least three EJ offices. They are typica...
by CABob
Wed Dec 13, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 109
Views: 9016

Re: TaxAct and alternatives

Is anyone familiar with TaxSlayer? https://www.taxslayer.com/
It appears that this is for online use only with no downloaded application available. Is that correct?
Has anyone used it who may have some comments about it?
by CABob
Tue Dec 12, 2017 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Play money individual stocks, which ones?
Replies: 49
Views: 3149

Re: Play money individual stocks, which ones?

I don't consider this to be "play money" but I do have investments in Caterpillar, General Electric, Huntington Ingalls, McDonald, Northrop, and AT&T. They are all long term holdings, dividend payers, and were bought well before my Boglehead days that might be considered in the "blue chip" category....
by CABob
Sun Dec 10, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: What MPG App Do You Use To Track Fuel Usage ?
Replies: 61
Views: 2722

Re: What MPG App Do You Use To Track Fuel Usage ?

I paid about $1.20/gallon in 1963 What kind of gas was that? :shock: The first time I saw gas over $1.00 was in the late 1970s. That was California gas but I did misquote the date. It was in 1993. We have always paid more than the rest of the world. I would have to go to my pencil and paper files f...