Search found 4391 matches

by CABob
Thu Dec 14, 2017 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Wow. Just Wow.
Replies: 29
Views: 4717

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: 64
Views: 4742

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: 2589

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: 2354

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...
by CABob
Sun Dec 10, 2017 6:46 pm
Forum: Personal Consumer Issues
Topic: What MPG App Do You Use To Track Fuel Usage ?
Replies: 61
Views: 2354

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

I'm old school. I write it in a paper notebook I keep in the car, and transcribe it to a spreadsheet when I get home. +1 I have done this religiously for many years, but I sometimes wonder why. I don't do anything with the data and it doesn't change any habits of mine. I used to think that it would...
by CABob
Sat Dec 09, 2017 2:05 pm
Forum: Investing - Theory, News & General
Topic: Did Capital One 360 Savings raise rates?
Replies: 31
Views: 3789

Re: Did Capital One 360 Savings raise rates?

The only downside I am aware of is that every time I call them to ask, they tell me the MM and 360 accounts don’t support trusts. So if you want to have it in a living trust, they can’t help. Yet. I had called Capital One 360 regarding Trusts a few weeks ago. They do not support trusts for new acco...
by CABob
Fri Dec 08, 2017 1:33 pm
Forum: Investing - Theory, News & General
Topic: Did Capital One 360 Savings raise rates?
Replies: 31
Views: 3789

Re: Did Capital One 360 Savings raise rates?

The only downside I am aware of is that every time I call them to ask, they tell me the MM and 360 accounts don’t support trusts. So if you want to have it in a living trust, they can’t help. Yet. I'm not sure that is correct. I have a 360 savings account that I changed to be in the name of my trus...
by CABob
Thu Dec 07, 2017 11:44 pm
Forum: Investing - Theory, News & General
Topic: investing in taxable accounts
Replies: 10
Views: 1522

Re: investing in taxable accounts

Total Stock Market fund for its tax efficiency and long term performance. I also have fairly high cash allocation so I have bank saving accounts and money market funds.
by CABob
Sun Dec 03, 2017 2:35 pm
Forum: Investing - Theory, News & General
Topic: Charitable donations through Betterment
Replies: 1
Views: 286

Charitable donations through Betterment

I recently received correspondence about Betterment's process for donating securities from an account. I'm not a Betterment client but the correspondence implied that the process was more convenient than what is offered through other financial institutions. Can anyone share information about the pro...
by CABob
Thu Nov 30, 2017 11:02 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10360

Re: Price of haircut?

DD used to cut it for "free", but free usually involved a 200 mile drive and lunch for four. She is now working at a higher end place which is closer so I "only" pay about $30 and only a 100 mile drive.
:oops:
by CABob
Thu Nov 30, 2017 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: Reduce risk tolerance - Vanguard Target Funds
Replies: 43
Views: 1773

Re: Reduce risk tolerance - Vanguard Target Funds

I was essentially looking at this as two different buckets of money(call it 1A( existing $ amount ) that I've been contributing for the past 1-2 decades and 1B( new $ contribution amount ) that I intend to contribute for next 1-2 decades). The bucket approach is useful to many but it is really just...
by CABob
Thu Nov 30, 2017 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Reduce risk tolerance - Vanguard Target Funds
Replies: 43
Views: 1773

Re: Reduce risk tolerance - Vanguard Target Funds

Here is my thinking - poke any holes in it :D Existing $ in 401k - If I want to take on lower risk and say, want to invest in Vanguard 2030 fund(71.26% Stocks/28.71% Bonds). I believe its as simple as exchanging one fund for another i,e. 2050(sell) for 2030(buy). Correct? New contribution $ into 40...
by CABob
Thu Nov 30, 2017 12:07 am
Forum: Investing - Help with Personal Investments
Topic: When to open Vanguard account?
Replies: 14
Views: 924

Re: When to open Vanguard account?

Where is the money currently? If it is invested or in a savings account there will be taxes due on any earnings on it.
The Total Stock Market fund will have a distribution sometime near the middle of December. You might want to wait until after that occurs.
by CABob
Fri Nov 24, 2017 8:01 pm
Forum: Personal Consumer Issues
Topic: I bought Vanguard Index Funds to get the black friday shopping out of my system
Replies: 17
Views: 1439

Re: I bought Vanguard Index Funds to get the black friday shopping out of my system

Also thinking of replacing my clock radio since it changes between standard and daylight savings time on the wrong weekends. Does anyone market a clock radio with an atomic clock? I don't think I have seen one, but it seems like a good idea. Never mind, I see that Amazon is way ahead of me https://...
by CABob
Thu Nov 23, 2017 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Regrets for taking SS at 62 or waiting?
Replies: 100
Views: 9235

Re: Regrets for taking SS at 62 or waiting?

I retired and started receiving SS benefits at 63. I have no regrets although I have since come to the opinion that it might have been better to have waited. If you are married also consider that a surviving spouse might want to collect on their spouses account after the first passing.
by CABob
Thu Nov 23, 2017 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity or lump sum
Replies: 8
Views: 676

Re: Annuity or lump sum

$3000/month is a 6% return on the $600,000 cash amount. That plus the COL adjustment makes the annuity seem quite attractive.
by CABob
Sun Nov 19, 2017 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: [Switching from Target Date fund to 3-fund portfolio - How?]
Replies: 9
Views: 1182

Re: [Switching from Target Date fund to 3-fund portfolio - How?]

I can't speak for Fido since I do not have an account with them, but at Vanguard it would be very easy online transactions. I would expect that Fido would be similar. At VG you would go to your Target Date fund online and make three exchanges from that fund into the three funds specifying the amount...
by CABob
Sun Nov 19, 2017 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: How to take income from IRA?
Replies: 8
Views: 585

Re: How to take income from IRA?

g) Take distributions in whatever manner maintains your desired asset allocation. Everything that is taken from a traditional tax deferred account will be taxed at your ordinary income tax rate. For this reason it is not important whether distributions come from capital gains, dividends or principle...
by CABob
Fri Nov 17, 2017 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Why did Vanguard drop TurboTax?
Replies: 16
Views: 3212

Re: Why did Vanguard drop TurboTax?

I don't know the answer but I suspect it had to do with getting an acceptable agreement with TurboTax. It was dropped at about the time TT was going through some organizational changes.
by CABob
Thu Nov 16, 2017 8:01 pm
Forum: Investing - Theory, News & General
Topic: Scottrade to TDA
Replies: 24
Views: 1970

Re: Scottrade to TDA

My local Scottrade office will be closed at the end of the year, and its employees laid off :( How did you hear about this? Is there a TDA office near to you? I also have been with Scottrade for a number of years and am taking a wait and see approach. I don't have a TDA office nearby so I was assum...
by CABob
Wed Nov 15, 2017 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: sell fidelity index mutual fund and replace with etf index for tax benefit?
Replies: 21
Views: 1851

Re: sell fidelity index mutual fund and replace with etf index for tax benefit?

Why does FSTVX have such high capital gains distributions while ITOT and Vanguard's VTSMX not have them?
by CABob
Wed Nov 15, 2017 2:21 pm
Forum: Investing - Theory, News & General
Topic: Taking RMD'S
Replies: 15
Views: 1579

Re: Taking RMD'S

jefmafnl wrote:
Wed Nov 15, 2017 12:50 pm
If one wishes to donate some (but not all) of the RMD: does Vanguard have a minimum?

J
I'm not sure, but I have made QCDs as low as $50.
by CABob
Mon Nov 13, 2017 10:30 am
Forum: Investing - Theory, News & General
Topic: Do you keep anything in your portfolio as a monument to your bad decisions?
Replies: 69
Views: 5065

Re: Do you keep anything in your portfolio as a monument to your bad decisions?

No. That would be quite irrational. If you wouldn't repurchase the position at the current price, how much you've lost on it over the years is entirely irrelevant. I've heard and used this statement myself, but is it also correct compare it to "If you were currently offered this stock at no cost, w...
by CABob
Sat Nov 11, 2017 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Target fund replacement with access to Admiral shares
Replies: 11
Views: 1292

Re: Target fund replacement with access to Admiral shares

As I look up the costs for the four component funds of the target date fund, it appears that they add up to .32% for the Admiral shares. Is this correct? I guess I’ll just have to pay the 60 bucks and stick with what I have. I think you have miscalculated the ER. You cannot just add the ERs of the ...
by CABob
Fri Nov 10, 2017 11:19 pm
Forum: Investing - Theory, News & General
Topic: Do you keep anything in your portfolio as a monument to your bad decisions?
Replies: 69
Views: 5065

Re: Do you keep anything in your portfolio as a monument to your bad decisions?

My real monument or reminder is a paper certificate (remember those?) (suitable for framing!) of a stock bought as a result of a cold calling broker that I followed through a couple of brokerage changes watching the stock go down and a reverse split. I eventually asked for the certificate because I ...
by CABob
Fri Nov 10, 2017 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Is using a Roth IRA for saving for a vacation in 10 years a good idea?
Replies: 11
Views: 890

Re: Is using a Roth IRA for saving for a vacation in 10 years a good idea?

I think that you may be tying yourself into something that will (or may) happen in 10 years. I suggest that you invest currently in a traditional IRA, Roth IRA, and perhaps a taxable account to the extent you can. Review your progress in five years and perhaps reevaluate. Then as you approach the ti...
by CABob
Fri Nov 10, 2017 2:40 pm
Forum: Investing - Theory, News & General
Topic: Do you keep anything in your portfolio as a monument to your bad decisions?
Replies: 69
Views: 5065

Re: Do you keep anything in your portfolio as a monument to your bad decisions?

My GE stock is getting close to that point! :( You beat me to it. Also I let them get away with hiring me as a contractor instead of as an employee. :oops: Another GE "investor" here. One of a small handful of stocks left over from my pre-Boglehead days. All have unrealized capital gains which make...
by CABob
Fri Nov 10, 2017 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Target fund replacement with access to Admiral shares
Replies: 11
Views: 1292

Re: Target fund replacement with access to Admiral shares

Holding the four funds that are currently in the target retirement fund would be good if you want an exact replacement. Wellington would be a change in philosophy in that you would be changing from index funds to a managed fund. Not a bad idea but a significant change.
by CABob
Thu Nov 09, 2017 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: VFIAX vs. VSMAX [Vanguard 500 Index vs. Small-Cap Index]
Replies: 6
Views: 584

Re: VFIAX vs. VSMAX

it looks like VSMAX did better over the last ten years... Since they are both index funds I don't think you should base a decision over past performance, even for 10 years. I would assume, although perhaps you should check, that they followed their respective indexes. The decision is whether you wa...
by CABob
Sun Nov 05, 2017 7:32 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1934
Views: 1186550

Re: The Three-Fund Portfolio

Right away, though, I have a question about rebalancing. I don't understand how this portfolio "automatically rebalances." Like everyone's portfolio in 2008, my equities decreased more than bond holdings and rebalancing required more money to stocks. 2008 is an exaggerated example, but a little dri...
by CABob
Sun Nov 05, 2017 12:43 pm
Forum: Investing - Theory, News & General
Topic: "Why You Should Choose Vanguard"
Replies: 4
Views: 853

Re: "Why You Should Choose Vanguard"

Nice article. I didn't learn much new but the reminder is always good. Would be a good reference to some of the questions that are posed on this forum. Thanks, Taylor.
by CABob
Fri Nov 03, 2017 7:19 pm
Forum: Investing - Theory, News & General
Topic: Complaint Resolution
Replies: 21
Views: 1316

Re: Complaint Resolution

I'm not sure you need to escalate the problem. You need to understand why it was "cancelled" and fix the problem perhaps dealing with a different rep.. It sounds as if you attempted to do something that was outside of the process and procedure VG follows. I am surprised the rep could not or did not ...
by CABob
Fri Nov 03, 2017 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Question Regarding Sweep Accounts
Replies: 7
Views: 625

Re: Question Regarding Sweep Accounts

I don't understand what has happened, but I think it is a question that should be directed to TDA for an explanation.
by CABob
Fri Nov 03, 2017 3:00 pm
Forum: Investing - Theory, News & General
Topic: MLB Signal?
Replies: 9
Views: 1098

Re: MLB Signal?

Should I double down or lighten up?
Yes! Or alternatively just stay the course which would be most Boglehead advice.
by CABob
Tue Oct 31, 2017 7:53 pm
Forum: Investing - Theory, News & General
Topic: Scottrade and TD Ameritrade
Replies: 6
Views: 737

Re: Scottrade and TD Ameritrade

Since I have had Scottrade account I have been assigned to 4 or more branch offices, only one of which I have visited. Existing TDA offices are a ways away so I don't expect to be reassigned as part of this merger, but who knows.
by CABob
Tue Oct 31, 2017 3:55 pm
Forum: Investing - Theory, News & General
Topic: Scottrade and TD Ameritrade
Replies: 6
Views: 737

Re: Scottrade and TD Ameritrade

I have a Scottrade account and have not seen or heard of any changes so far. I am waiting to see if any of the changes make me want me to change brokers.
by CABob
Mon Oct 30, 2017 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: What is the point of an ETF version of a total stock index fund?
Replies: 15
Views: 1100

Re: What is the point of an ETF version of a total stock index fund?

Why are you asking about total stock market funds specifically? The same question could be asked about any index fund that has both traditional mutual fund and ETF available. So this gets you back to the often asked and answered question about ETF and traditional fund. There is no one answer that ap...
by CABob
Sun Oct 29, 2017 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund vs. ETF(Total Bond Fund)
Replies: 9
Views: 691

Re: Mutual Fund vs. ETF(Total Bond Fund)

Account is at Scottrade. I noticed that Bond ETF (BND) has a Bid of 81.01 and Ask of 81.93. That seems like quite a large split. What price would you use as a limit on buying? Since the commission or transaction fee is $7 for the ETF and $75 (if my numbers are correct) for the Mutual Fund I would b...
by CABob
Sat Oct 28, 2017 12:43 pm
Forum: Personal Consumer Issues
Topic: Heavy Duty Boxes for long term storage
Replies: 6
Views: 540

Re: Heavy Duty Boxes for long term storage

Those are nice sturdy boxes and may be suitable. Given your circumstances personally I might be inclined to go with a latching box such as https://www.amazon.com/IRIS-Quart-Stack ... rage+boxes in a suitable size.
by CABob
Fri Oct 27, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: Limit on carrying physical cash during domestic US flights
Replies: 35
Views: 3415

Re: Limit on carrying physical cash during domestic US flights

nisiprius wrote:
Fri Oct 27, 2017 5:24 pm
https://www.tsa.gov/travel/security-scr ... tcanibring
The final decision rests with the TSA officer on whether an item is allowed through the checkpoint.
Now that a little bit scary to me. :confused
by CABob
Fri Oct 27, 2017 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: RMD distribution timing
Replies: 32
Views: 2569

Re: RMD distribution timing

Why do some places/sites call them "RMDs" (which I use) while others call them "MRDs"? Just adds to confusion IMO. I could be wrong but I think MRD is a term that Fidelity uses and since they are a large broker a lot of folks pick up their use of the term. OTOH most of the rest of the world includi...
by CABob
Fri Oct 27, 2017 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: RMD distribution timing
Replies: 32
Views: 2569

Re: RMD distribution timing

As a matter of fact my RMD is scheduled for today. Prior to today I have taken some QCDs and today's RMD will reflect the balance including withholding tax which hopefully will be approximately what will be owed for the year and at least enough to avoid any penalty. I prefer to take the RMD in a sin...
by CABob
Thu Oct 26, 2017 11:00 am
Forum: Investing - Theory, News & General
Topic: Can you own a share [of a person's future earnings?]
Replies: 19
Views: 1778

Re: Can you own a share of a person?

If you own a share of a person's future earnings can you sell all or a portion of that agreement?
by CABob
Tue Oct 17, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: Converting to Safety Razors
Replies: 116
Views: 11746

Re: Converting to Safety Razors

The Hydro is by far the best razor I've used. The blades are far enough apart it does not clog. The blades last a long time. They are so good, that I often dry shave my neck. Just wet the razor. I would never attempt that with some previous 3, 4 and 5 blade razors that were much more expensive than...
by CABob
Thu Oct 12, 2017 12:00 am
Forum: Investing - Theory, News & General
Topic: 10 year anniversary of the beginning of the Great Recession
Replies: 45
Views: 4539

Re: 10 year anniversary of the beginning of the Great Recession

Sometimes procrastination works out just fine. I wasn't paying close attention and after I realized what was happening I just stood there. Two and a half years later all was fine with the world.
by CABob
Tue Oct 10, 2017 11:19 am
Forum: Investing - Help with Personal Investments
Topic: admiral shares or investor shares?
Replies: 24
Views: 3125

Re: admiral shares or investor shares?

i am torn between investor shares & admiral shares.
This should never be the case if you are talking about different share classes of the same fund. If you own investor shares and the fund balance gets to the point you would qualify for admiral shares Vanguard would automatically convert them.
by CABob
Mon Oct 09, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with estate with no liquid assets and a house?
Replies: 17
Views: 1405

Re: How to deal with estate with no liquid assets and a house?

Our acquaintence is considering/planning on taking out a personal loan ($10,000 range) for various expenses of the house before sale. Of the possibilities discussed this seems like the least desirable. I would think it would be up to the executor to get this loan if needed. The idea of selling with...
by CABob
Sun Oct 08, 2017 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: SS Benefit checks?
Replies: 13
Views: 1877

Re: SS Benefit checks?

This is the Official calendar for when the SS payments are made depending on your birth date in the month. It will always be either the 2nd, 3rd, or 4th Wednesday of the month. https://www.ssa.gov/pubs/EN-05-10031-2017.pdf JW Except for some "old timers" who started receiving benefits prior to May ...
by CABob
Sun Oct 08, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Change for a $20 requires ID!!
Replies: 22
Views: 2444

Re: Change for a $20 requires ID!!

I am surprised. I have done similar transactions and have not been asked for ID. It was a bank at which I had an account but I don't think the teller knew that.