Search found 4547 matches

by CABob
Thu Aug 02, 2018 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Two target funds in my Vanguard. Should I split them up?
Replies: 6
Views: 430

Re: Two target funds in my Vanguard. Should I split them up?

Bonds and the bond portion of a TR fund are somewhat tax inefficient in a taxable account although with a 90/10 allocation the effect is not great. But considering this I would recommend that you hold only equity funds in your taxable account and use the tax advantaged account for bonds and the bala...
by CABob
Wed Aug 01, 2018 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Cashing in old savings bonds: Payable to me or my mother--Tax Question
Replies: 2
Views: 400

Re: Cashing in old savings bonds: Payable to me or my mother--Tax Question

Are they currently in a Treasury Direct account? Or do you hold the paper bonds?
If they are not currently in a TD account it might be easier to just take them to a bank for redemption.
by CABob
Fri Jul 27, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Questions on avoiding taxes when changing investments in a taxable account
Replies: 10
Views: 927

Re: Questions on avoiding taxes when changing investments in a taxable account

I am trying to avoid paying capital gains taxes and have some questions. I have a taxable account with Betterment that I use to save and invest for the down payment on our next house. I’m transferring it to Vanguard because I think it will perform better there or at least have lower fees. I’m havin...
by CABob
Fri Jul 20, 2018 5:26 pm
Forum: Investing - Theory, News & General
Topic: Good Books on Investment?
Replies: 14
Views: 1030

Re: Good Books on Investment?

The Bogleheads reading list is a good source of book titles that you may wish to investigate whether you want to read them or not. I believe that this is the reading list that livesoft refers to: https://www.bogleheads.org/wiki/Category:Books_and_authors I also think that Taylor's investment "Gems"...
by CABob
Wed Jul 18, 2018 7:51 pm
Forum: Investing - Theory, News & General
Topic: New Capital One 360 ACH limits
Replies: 63
Views: 12583

Re: New Capital One 360 ACH limits

I received my post card notice about the transfer limits today but no where did it indicate what the limits were. Nor was there a phone number, address, or URL where I could get the information. I'm not sure why my notice came about a month after you folks received yours. Perhaps they figured that I...
by CABob
Tue Jul 17, 2018 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Adding a trust to your homeowner's policy
Replies: 56
Views: 3793

Re: Adding a trust to your homeowner's policy

Thanks to all who contributed to this thread. Because of it, I contacted my insurance agent and the policy was updated with no difficulty. I would think that lawyers that set up trusts and suggest the home be placed in the trust would remind the clients to make the insurance policy changes. I still ...
by CABob
Tue Jul 17, 2018 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Need help picking investments for taxable brokerage
Replies: 6
Views: 567

Re: Need help picking investments for taxable brokerage

I know ideally I wouldn't want to hold bonds in my taxable, so was thinking to go 70% VTSMX and 30% VGTSX and then next year I would start adding more bonds to the Roth. What does everyone think? I'm 30 and currently in the 24% tax bracket. Thanks all! Your plan is quite reasonable IMO. You should ...
by CABob
Sun Jul 15, 2018 10:13 pm
Forum: Personal Consumer Issues
Topic: Bears!!!
Replies: 60
Views: 5240

Re: Bears!!!

Contact your local animal control. They may be able to help or have some suggestions. They might have someone who will come with a tranquilizer gun.
by CABob
Sun Jul 15, 2018 6:49 pm
Forum: Personal Consumer Issues
Topic: Bears!!!
Replies: 60
Views: 5240

Re: Bears!!!

unclescrooge wrote:
Sun Jul 15, 2018 6:30 pm
Could you use bright lights as a deterrent?
Perhaps with a motion sensor to activate?
I would have thought that the forest service folks or the trash company would have some suggestions.
by CABob
Sun Jul 15, 2018 10:39 am
Forum: Investing - Theory, News & General
Topic: Change in Flagship Rep Service ?
Replies: 21
Views: 2339

Re: Change in Flagship Rep Service ?

I am finding it curious that different folks are finding different things on their Overview page regarding representatives, pie charts, etc. I am wondering it the difference might be in the type of account. I still have the older mutual fund account and have not had it upgraded to the brokerage acco...
by CABob
Sat Jul 14, 2018 7:44 pm
Forum: Investing - Theory, News & General
Topic: Change in Flagship Rep Service ?
Replies: 21
Views: 2339

Re: Change in Flagship Rep Service ?

It used to be near the top of the page; now it is near the bottom in the right corner. I have to scroll down to find it. OK for you but I have scrolled all over the page and don't find it. I have very seldom contacted my Rep and he or she has not often contacted me so perhaps that is the reason I n...
by CABob
Sat Jul 14, 2018 12:50 pm
Forum: Investing - Theory, News & General
Topic: Change in Flagship Rep Service ?
Replies: 21
Views: 2339

Re: Change in Flagship Rep Service ?

Tom: When I just logged into my account I get the usual account overview page and on the right (to the right of the pie charts) is a large picture of my rep plus the link to the section to set up an appointment and another link to go to the section to send a secure message. Well, I'm still confused...
by CABob
Fri Jul 13, 2018 1:29 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 359
Views: 15167

Re: COMING SOON: BOGLEHEADS PODCASTS

imbogled wrote:
Fri Jul 13, 2018 1:24 pm
Bogleheads Inside Information!
Or, "Inside the Boglehead"
by CABob
Fri Jul 13, 2018 12:33 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 359
Views: 15167

Re: COMING SOON: BOGLEHEADS PODCASTS

imbogled wrote:
Fri Jul 13, 2018 10:25 am
How about: Bogleheads Bullish! ....... :wink:
Watch your spell check on this one. :twisted:
by CABob
Thu Jul 12, 2018 11:10 am
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 359
Views: 15167

Re: COMING SOON: BOGLEHEADS PODCASTS

The Boglehead Bobble head speaks.

Or just "The Boglehead speaks."
by CABob
Tue Jul 10, 2018 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: RMD + Federal taxes
Replies: 19
Views: 1516

Re: RMD + Federal taxes

Consider taking all or a portion of your RMD late in the year with taxes withheld from it. That way even if it is more tax that you will owe at least the IRS only has it for 3 months or so.
by CABob
Tue Jul 10, 2018 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Investing cash into Vanguard target retirement fund
Replies: 20
Views: 1950

Re: Investing cash into Vanguard target retirement fund

If you haven't already done so for this year, you should contribute $5,500 to a Roth individual retirement account (IRA). That is the annual limit, and you can contribute up to that amount of your earned income. If your internship paid less, you can only contribute up to the amount paid. Do we know...
by CABob
Tue Jul 10, 2018 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Investing cash into Vanguard target retirement fund
Replies: 20
Views: 1950

Re: Investing cash into Vanguard target retirement fund

Sorry for the typo. Other than requesting suggestions for investments in my case, I meant to ask whether VTSAX (admiral shares) shares be converted VTTSX (non admiral shares) without tax implications. I plan to invest >$10000. These are two different funds so there would not be a "conversion" from ...
by CABob
Mon Jul 09, 2018 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Investing cash into Vanguard target retirement fund
Replies: 20
Views: 1950

Re: Investing cash into Vanguard target retirement fund

I am understanding that it would be best to put my money into Target Retirement Fund at Vanguard, preferably in Admiral shares to save on cost. VG's TR funds are not available in Admiral class shares. Just in case, for any reason, if I want to move to Fidelity in future, Fidelity won't convert Admi...
by CABob
Sat Jul 07, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: Is there a current car without a console between the front seats?
Replies: 52
Views: 4224

Re: Is there a current car without a console between the front seats?

dm200 wrote:
Thu Jul 05, 2018 1:39 pm
For those "romantically" minded - a guy can no longer drive with the gal right next to him. One "advantage" of the front bench seat for some.
And I guess there is no more need for a "neckkers knob" on the steering wheel. :twisted:
by CABob
Sat Jul 07, 2018 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Investing cash into Vanguard target retirement fund
Replies: 20
Views: 1950

Re: Investing cash into Vanguard target retirement fund

Do you already own the TR2060 fund or is this a new account you will be opening? If you already own it what kind of account is it in, taxable or tax advantaged (IRA, ROTH)? If you already own the fund in a taxable account or intend to open a new taxable account you can certainly invest in it with ca...
by CABob
Wed Jul 04, 2018 12:27 pm
Forum: Investing - Theory, News & General
Topic: Admiral Shares vs Investor Shares?
Replies: 36
Views: 37932

Re: Admiral Shares vs Investor Shares?

Mailman79 wrote:
Wed Jul 04, 2018 12:15 pm
Why do most Vanguard funds with investor and admiral shares show higher returns for investor shares vs admiral shares?
I doubt that this is true if you are making a valid comparison between funds.
by CABob
Wed Jul 04, 2018 12:22 pm
Forum: Investing - Theory, News & General
Topic: If you tilt toward Small Cap Value, how much do you tilt?
Replies: 38
Views: 2732

Re: If you tilt toward Small Cap Value, how much do you tilt?

At one time I tilted toward SCV and REIT with about 5% each. I eventually decided that that much tilt wasn't worth the hassle and dropped the tilts.
by CABob
Sun Jul 01, 2018 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: STAR Funds
Replies: 10
Views: 1237

Re: STAR Funds

The STAR fund used to be recommended on this forum regularly. It was and is a good fund for a beginner without a lot of money to invest since it has a $1000 minimum. At the time all of the other Vanguard funds had higher minimums. Now all of the Target Retirement funds have $1000 minimums and they h...
by CABob
Sun Jul 01, 2018 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Required minimum distributions from IRA
Replies: 18
Views: 1504

Re: Required minimum distributions from IRA

I would guess that most reputable institutions would send out some reminder about RMD but not sure you can depend on it. The IRA account holder is the one responsible to take the RMD. As far as withholding taxes i think that is definitely the account holder's responsibility.
by CABob
Sun Jul 01, 2018 10:02 am
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 206
Views: 33653

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

FBN2014 wrote:
Sun Jul 01, 2018 9:36 am
Does it go beyond the discussions available on this forum?
Not much can go beyond the discussions on this forum. :P
by CABob
Sat Jun 30, 2018 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Adding a trust to your homeowner's policy
Replies: 56
Views: 3793

Re: Adding a trust to your homeowner's policy

After I see the attorney, I will post an update on what she says. I imagine it will take a week or two to get an appointment. I will look forward to your additional comments since this was a new one to me but I think it also applies to me. Ref a few posts back, when I said policies plural, I meant ...
by CABob
Fri Jun 29, 2018 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice: starting a long term mutual fund account
Replies: 4
Views: 303

Re: Need advice: starting a long term mutual fund account

I think the responses you received in your posting on the 3-fund portfolio thread apply here.
viewtopic.php?f=10&t=88005&p=3996067#p3996067
by CABob
Fri Jun 29, 2018 1:07 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2223
Views: 1387861

Re: The Three-Fund Portfolio

Hi, I am a newbie. Just want to know if this 3-fund portfolio still applies in today's market in general? I also want to know when is the best time purchased these funds? With the market high, should i wait till the market goes down first before purchasing these mutual funds? It certainly applies a...
by CABob
Mon Jun 25, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Recommendations for ice machine
Replies: 22
Views: 1743

Re: Recommendations for ice machine

I'm wondering if you use more ice than the ice maker makes or use more than can be stored. One of the units I looked at made 26 lbs. a day but would store only 1.5 lbs. Perhaps going back to plastic bags with your current in-refrigerator ice maker would solve the problem.
by CABob
Mon Jun 25, 2018 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: VTI -> VTSAX
Replies: 15
Views: 1648

Re: VTI -> VTSAX

Why did you buy the ETF in the first place rather than the mutual fund? Does that reason still exist?
by CABob
Mon Jun 25, 2018 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Niece & Vanguard as co-trustees
Replies: 13
Views: 1024

Re: Niece & Vanguard as co-trustees

Just wondering, will the niece and Vanguard be comfortable with this arrangement? And will it operate efficiently? I can envision some potential conflicts.
by CABob
Sun Jun 24, 2018 2:40 pm
Forum: Investing - Theory, News & General
Topic: If I had a large enough sum to move the entire market significantly in a few days, which stocks would move the most?
Replies: 2
Views: 494

Re: If I had a large enough sum to move the entire market significantly in a few days, which stocks would move the most?

If a sum of money is contributed to an index it would be apportioned to the stocks within the index in a manner reflecting the current apportion of stocks. It seems to me that this would not significantly change the weight of any stock within the index and would not significantly change the price of...
by CABob
Sat Jun 23, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: 3 nights in Vegas
Replies: 49
Views: 3409

Re: 3 nights in Vegas

Atilla wrote:
Thu Jun 21, 2018 3:56 pm
Luxor is a dump, so is the Flamingo.
Hey, I have a lot of fond memories of the Flamingo. Spent my honeymoon there. Of course that was 50+ years ago. :oops:
There have been a lot of changes over the years and many of them not for the good.
by CABob
Fri Jun 22, 2018 2:57 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 206
Views: 33653

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

Just got an email from Amazon: We now have delivery date(s) for the order you placed on March 16, 2018 (Order# xxxxxxxxxx): Larimore, Taylor "The Bogleheads' Guide to the Three-Fund Portfolio: How a Simple Portfolio of Three Total Market Index Funds Outperforms Most Investors with Less Risk" Estima...
by CABob
Thu Jun 21, 2018 10:08 am
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 206
Views: 33653

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

tomd37 wrote:
Thu Jun 21, 2018 10:06 am
Is there definitive info yet as to when it will be available on Amazon for ordering?
One can order it now for delivery when available. Amazon indicates it will be released on June 26.
by CABob
Sun Jun 17, 2018 7:41 pm
Forum: Investing - Theory, News & General
Topic: "Money Talk" Radio Program with Bob Brinker
Replies: 33
Views: 4048

Re: "Money Talk" Radio Program with Bob Brinker

I have listened to his show for many years (1985?) but not very much in recent years. I also subscribed to his newsletter for a couple of years but did not specifically follow any of his model portfolios. I do credit him for my introduction to Vanguard and the Total Stock Market Fund. I did listen t...
by CABob
Sun Jun 17, 2018 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard admiral shares
Replies: 17
Views: 1284

Re: Vanguard admiral shares

If you go to the Vanguard site and get information about the fund in question, then open the tab for fees and minimums it will tell you the minimum to open and additions.
For example, the Admiral shares of the Total Stock Market Fund.
by CABob
Fri Jun 15, 2018 9:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard email about transition fund accounts to new brokerage platform
Replies: 37
Views: 2441

Re: Vanguard email about transition fund accounts to new brokerage platform

so they can't make you switch right? I'm not sure about that. I suspect at some point VG can just do away with the traditional mutual fund account and convert any of the "old" accounts. I am also one that has resisted changing so far and from what I have heard am not anxious to change but will go w...
by CABob
Thu Jun 14, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: reverse phone look up - free service
Replies: 4
Views: 575

Re: reverse phone look up - free service

I have used this one with limited success but haven't found a better one.
by CABob
Wed Jun 13, 2018 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: What financial vehicle was this??
Replies: 6
Views: 870

Re: What financial vehicle was this??

That 4-5% tax free sounds good to me but don't like the 1% coming off the top. Since this is EJ I doubt it is as good as it sounds initially. Let us know what it is after talking to the rep.
by CABob
Sun Jun 10, 2018 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard STAR, Vanguard 2030 TDF, pay extra toward the house, or other?
Replies: 22
Views: 1469

Re: Vanguard STAR, Vanguard 2030 TDF, pay extra toward the house, or other?

If you make any extra payments on your mortgage, make sure they are applied to your principal, and not interest. +1 Some years ago I had a mortgage that I was trying to pay off early and made some extra payments. The lending institution considered them to be early payment of future monthly payments...
by CABob
Sat Jun 09, 2018 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard STAR, Vanguard 2030 TDF, pay extra toward the house, or other?
Replies: 22
Views: 1469

Re: Vanguard STAR, Vanguard 2030 TDF, pay extra toward the house, or other?

I own the STAR fund also. Why is the tax efficiency bad for this? Because the fund contains about 40% bonds. The dividends from bonds are not qualified so you will be paying the same tax rate as you do on income. This is not necessarily bad, but most would prefer to have stocks and tax exempt bonds...
by CABob
Thu Jun 07, 2018 6:59 pm
Forum: Personal Consumer Issues
Topic: What lubricant to use for Freezer slide out door runners?
Replies: 12
Views: 678

Re: What lubricant to use for Freezer slide out door runners?

A plumber just gave me a tube of this which he suggested would be available at the local hardware store.
A Google search for waterproof silicone lube provided a number of links for lubrication for other purposes but they might work.
by CABob
Thu Jun 07, 2018 6:36 pm
Forum: Investing - Theory, News & General
Topic: Why Edward Jones?
Replies: 76
Views: 12861

Re: Why Edward Jones?

Financial paperwork is complicated. DD just inherited two IRA's from my Mom. She also has a Roth IRA and a taxable account (formerly custodial account) I set up for her. DD also has her bank account and a 401k at work. Six accounts (2 with RMD's) for a 21 year old! They are currently spread across ...
by CABob
Tue Jun 05, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: New Medicare card
Replies: 28
Views: 1879

Re: New Medicare card

if the number is blacked out, how does the provider file a claim? I guess I left out the rest of the story. On the first visit to a healthcare provider I have provided my old Medicare number which was my SS number. After that the provider already has the information and I probably have provided SS ...
by CABob
Tue Jun 05, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: New Medicare card
Replies: 28
Views: 1879

New Medicare card

I just received my new style Medicare card with the new number rather than my social security number. Formerly I carried a copy of my Medicare card with a portion of the SS number blacked out. Is there any reason to do the same with the new card and number. Since the new number is only an identifyin...
by CABob
Mon Jun 04, 2018 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: VTI or VTSMX and General Advice Wanted. [Vanguard Total Stock]
Replies: 7
Views: 993

Re: VTI or VTSMX and General Advice Wanted. [Vanguard Total Stock]

The ETF vs. mutual fund is an often discussed subject here. I suggest you read about it in the wiki here. Although as you point out the ETF has an expense ratio lower than the investor share class but after you qualify for Admiral shares the ER is the same. It is mostly a matter of personal preferen...