Search found 4347 matches

by CABob
Tue Oct 17, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: Converting to Safety Razors
Replies: 85
Views: 8746

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: 4189

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: 2922

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: 1254

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: 1762

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: 2278

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.
by CABob
Sat Oct 07, 2017 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: SS Benefit checks?
Replies: 13
Views: 1762

Re: SS Benefit checks?

Thanks for the replies. In another SSA publication I found - If the deceased was receiving Social Security benefits, you must return the benefit received for the month of death or any later months. For example, if the person dies in July, you must return the benefit paid in August. It seems to me th...
by CABob
Sat Oct 07, 2017 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: SS Benefit checks?
Replies: 13
Views: 1762

SS Benefit checks?

Are social security benefit checks for the current month or prior or following month?
If a person passes are they entitled to the check received in the month of their passing?
by CABob
Fri Oct 06, 2017 1:45 pm
Forum: Investing - Theory, News & General
Topic: SEC plans to approve Vanguard request to list actively managed ETFs
Replies: 13
Views: 1623

Re: SEC plans to approve Vanguard request to list actively managed ETFs

Does this increase the questions and discussions regarding the ETF vs. MF issue?
I don't think I will make any portfolio changes because of the new ETFs.
by CABob
Mon Oct 02, 2017 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: total noob question about 3 fund portfolio for my 401k
Replies: 10
Views: 592

Re: total noob question about 3 fund portfolio for my 401k

No, not a dumb question. In fact a number of forum posters do not include bonds in their portfolios. For the "why" I suggest you read/view the wiki section that addresses your question.
https://www.bogleheads.org/wiki/Video:_ ... h_bonds%3F
by CABob
Sun Oct 01, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: Bed Pillows
Replies: 15
Views: 1849

Re: Bed Pillows

DW and I have had My Pillows for a couple of years and are very happy with them. The concept seems to be similar to the COOP pillows.
I must admit that I am getting a bit tired of their commercials however. :annoyed
by CABob
Thu Sep 28, 2017 11:35 pm
Forum: Investing - Help with Personal Investments
Topic: Upgrade to Brokerage Account with Vanguard
Replies: 46
Views: 10311

Re: Upgrade to Brokerage Account with Vanguard

Dovetail wrote:
Thu Sep 28, 2017 10:46 pm
So far I'm not happy with the "Upgrade" because I can't direct my dividends to other funds as I could in the past, a feature I really liked.
Can you direct them to a money market or settlement fund?
by CABob
Sun Sep 24, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 8347

Re: Where do you get your news?

Call me old fashioned, but I subscribe to the print editions of two local/regional newspapers. I can't imagine not having a newspaper with my morning coffee. In addition I have a radio and/or TV on for several hours a day tuned to news channels. I do agree with the above poster who commented about t...
by CABob
Sun Sep 24, 2017 11:32 am
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead of another species
Replies: 9
Views: 1323

Re: Boglehead of another species

VictoriaF wrote:
Sat Sep 23, 2017 7:47 pm
If he were a true Boglehead these money would be in Vanguard, in a 3-fund portfolio.
He just received a windfall and has to check the forum to see what to do with it.
:P
by CABob
Fri Sep 22, 2017 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: anyone use debitize.com?
Replies: 2
Views: 368

Re: anyone use debitize.com?

It sounds as if they are getting the use of your money for a portion of the month. Not a lot of interest earned in a few days but peanuts making an elephant fat?
Just the idea of a company using my money for a while doesn't appeal to me.
And I don't see the advantage to the user.
by CABob
Fri Sep 22, 2017 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 8241

Re: Age you retired

63, 15 years ago.
to the OP, are you going to summarize or do something useful with the information?
by CABob
Thu Sep 21, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: Water Service Line Insurance
Replies: 17
Views: 1319

Re: Water Service Line Insurance

It appears to me that Service Line Warantees will provide service for several types of utilities and are not associated with a utility company. I have not heard of them but do occasionally get solicitations for similar services for telephone, sewer, gas, etc. I have declined and chose to self insure...
by CABob
Tue Sep 19, 2017 11:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 8994

Re: Bogleheads you would most like to meet and why?

I'm surprised that no one (unless I missed it) suggested Petro or at least his watch.
:)
by CABob
Sun Sep 17, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: Free credit monitoring for AAA members
Replies: 16
Views: 1823

Re: Free credit monitoring for AAA members

I signed up for the free ProtectMyID service through AAA several months ago. I periodically get an email from them to check my account which is really an opportunity for them to hustle their paid service. It is perhaps worth what I paid for it but no more.
http://www.protectmyid.com/
by CABob
Sat Sep 16, 2017 11:19 pm
Forum: Personal Consumer Issues
Topic: Hearing aid 101
Replies: 95
Views: 9129

Re: Hearing aid 101

...Hearing everything but without clarity is a brain processing issue that I think aids will not be the solution. The hearing test they give you in the booth is basically judging at what level you can still hear sound. But what good is that if you can not understand the conversation. I hate it when...
by CABob
Wed Sep 13, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: Hearing aid 101
Replies: 95
Views: 9129

Re: Hearing aid 101

I guess I forgot to mention that I already have hearing aids and the problems described are while wearing them. I got them at Costco. I've been back for one adjustment and will probably go back again, but as of now I can't see that they are helping a lot. Since this thread was brought back again I ...
by CABob
Tue Sep 12, 2017 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Trustee for supplemental needs trust
Replies: 7
Views: 623

Re: Trustee for supplemental needs trust

In addition to talking with the lawyer who prepared the document, since your father is still with you I suggest you have a conversation with him to find out what he intended with the will and trust provision.
by CABob
Tue Sep 12, 2017 12:43 pm
Forum: Personal Consumer Issues
Topic: What do you do in slow travels?
Replies: 55
Views: 4317

Re: What do you do in slow travels?

You might find interesting the book, A Year of Sundays, which is about a couple (and cat) spending a year in Europe at a limited number of locations.
by CABob
Mon Sep 11, 2017 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: ROI [which funds have the best returns last 20 years?]
Replies: 6
Views: 676

Re: ROI [which funds have the best returns last 20 years?]

Nobody knows which funds will perform best going forward. Google for the Callan Periodic Chart. It's a very informative graphic that lists a large number of asset subclasses in order of performance over the last twenty years. It is a graphic presentation of the fact that there is no predictability ...
by CABob
Sat Sep 09, 2017 7:36 pm
Forum: Investing - Theory, News & General
Topic: "Fear of Finance?" AARP interview with Jack Bogle
Replies: 37
Views: 5748

Re: "Fear of Finance?" AARP interview with Jack Bogle

Ah.. the old double cover trick :happy And what was on page 54?
by CABob
Sat Sep 09, 2017 5:19 pm
Forum: Investing - Theory, News & General
Topic: "Fear of Finance?" AARP interview with Jack Bogle
Replies: 37
Views: 5748

Re: "Fear of Finance?" AARP interview with Jack Bogle

Mr. Bogle's interviews have stayed the same for a few years. His big change was saying up to 20% foreign is OK, it used to be none. I found the cover for September AARP magazine but not the article. It is the August/September 2017 issue with Jessica Lange on the cover. I just received my copy today...
by CABob
Fri Sep 08, 2017 2:00 pm
Forum: Investing - Theory, News & General
Topic: "Fear of Finance?" AARP interview with Jack Bogle
Replies: 37
Views: 5748

Re: "Fear of Finance?" AARP interview with Jack Bogle

Taylor Larimore wrote:
Thu Sep 07, 2017 1:59 pm
Bogleheads:

I recently subscribed for AARP membership. ,,,,
I can't help but wonder what prompted you to join AARP at this time.
Did you realize you met their age restriction?
Did you finally admit that you are retired?
:twisted: :P
by CABob
Wed Sep 06, 2017 1:25 pm
Forum: Investing - Theory, News & General
Topic: should my emergency fund be part of my cash AA?
Replies: 8
Views: 545

Re: should my emergency fund be part of my cash AA?

It can be done either way just don't forget about it. It is perhaps easier to not include it with investing asset allocation since the EF is generally sized as a dollar amount rather than a percentage while one generally looks at percentages for AA purposes of investments.
by CABob
Sun Sep 03, 2017 11:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 17016

Re: [Are the Bogleheads] getting less interesting?

tavore wrote:
Sun Sep 03, 2017 11:17 pm
I'm mostly here when the "Stocks in Freefall" thread pops back. :twisted: That's never boring.
Are you like me and click that message before I realize that it is a thread that was started four years ago? :confused :confused
by CABob
Thu Aug 31, 2017 7:48 pm
Forum: Personal Consumer Issues
Topic: Best lubricant for exterior door locks
Replies: 27
Views: 2711

Re: Best lubricant for exterior door locks

There isn't any problem when the door is held open. Turn the key and you can watch the deadbolt go back and forth. It's only when the door is closed that the problems arise. This makes me think that perhaps the bolt itself needs a lubricant also. I usually use a white lithium grease on them when th...
by CABob
Thu Aug 31, 2017 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge account being closed/Vanguard Flagship transfer
Replies: 13
Views: 1728

Re: Merrill Edge account being closed/Vanguard Flagship transfer

2. They could send me the stock certificates for all my holdings (this is the default option)
This surprises me. I thought most brokers were resisting certificates and would prefer almost anything else.
by CABob
Wed Aug 30, 2017 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct for $13.50
Replies: 41
Views: 3335

Re: TaxAct for $13.50

I just did a quick search of the TurboTax and H&R Block sites and it appears that the cost of tax applications has gone up for all of them.
by CABob
Wed Aug 30, 2017 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: QCDs from Vanguard
Replies: 38
Views: 2446

Re: QCDs from Vanguard

FYI--you can write your own QCD checks on your Vanguard or Fidelity IRA account. If you do it this way, VG or Fido won't withdraw the amount from your account until after the check has been cashed. I also find it a lot simpler to write my own checks, rather than calling VG to do it. YMMV I don't kn...
by CABob
Wed Aug 30, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct for $13.50
Replies: 41
Views: 3335

Re: TaxAct for $13.50

I’ve filed my income taxes with TaxAct for the last couple of years, and today I received an email from them offering TaxAct Plus for filing my 2017 federal income taxes for $13.50. The state return will be extra, at a price that hasn’t been announced. I signed up right away. The offer expires on S...
by CABob
Wed Aug 30, 2017 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Preparing for RMD
Replies: 9
Views: 822

Re: Preparing for RMD

There is no need to necessarily change her reinvestment option. The RMD can be taken from whatever fund or funds she chooses. Many years I have taken RMD proportionally from all of my funds. This has a possible advantage of not significantly changing your asset allocation.
by CABob
Tue Aug 29, 2017 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: QCDs from Vanguard
Replies: 38
Views: 2446

Re: QCDs from Vanguard

If there are any abuses regarding QCD reporting, the simple solution would be for the IRS to assign a unique Box 7 distribution code for QCDs. It is logical that there was no such code while QCDs expired every other year, but once they were made permanent it would have been logical to assign a code...
by CABob
Tue Aug 29, 2017 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Two Issues for New Investor [portfolio help, move fund to Vanguard]
Replies: 28
Views: 1782

Re: Two Issues for New Investor

OP, is the money you received from your Grandmother a gift or inherited? My apologies, my memory was shady for a moment. I believe she gifted me $10k, and my mother set me up with a Roth IRA custodial account with her as the custodian. Currently figuring out what steps need to be taken to put me in...
by CABob
Mon Aug 28, 2017 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: QCDs from Vanguard
Replies: 38
Views: 2446

Re: QCDs from Vanguard

Based on my experience the information you have received is correct. If you take a QCD withdrawal you should have Vanguard recalculate the balance of the RMD. Then you can reschedule the final RMD changing if necessary your tax withholding etc. From one of your account view pages go to the link at t...
by CABob
Sun Aug 27, 2017 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Is there anyway out of company's defined contribution plan
Replies: 12
Views: 844

Re: Is there anyway out of company's defined contribution plan

It is possible but unlikely and depends on the provisions of the employers plan.
by CABob
Sun Aug 27, 2017 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Worth exchanging Target Retirement in taxable for tax-efficiency?
Replies: 9
Views: 554

Re: Worth exchanging Target Retirement in taxable for tax-efficiency?

a) Sell all of them and incur capital gains, but stop paying taxes on dividends. What do you mean by this? If you replace the target date fund with its constituent parts (even minus taxable bonds), you will still pay taxes on dividends issued. You are correct but the dividends from the equity porti...
by CABob
Thu Aug 24, 2017 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for diversification with Vanguard. Need advisor service or self manage?
Replies: 8
Views: 877

Re: Advice for diversification with Vanguard. Need advisor service or self manage?

Some thoughts: Don't ignore completely your 403b accounts. Any discussion about overall asset allocation should look at all accounts. That doesn't mean that you should make changes to the 403b accounts, but changes to your Vanguard accounts should factor them in. I like the recommendations provided ...
by CABob
Mon Aug 21, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: "Forget Tough Passwords: New Guidelines Make It Simple"
Replies: 43
Views: 5516

Re: "Forget Tough Passwords: New Guidelines Make It Simple"

What is the reason or logic behind requiring a password to be changed often? It seems to me that if a hacker is going to get into a password protected account they would have to do it once and it wouldn't make any difference whether the password had been in effect or two days or two years. And once ...
by CABob
Mon Aug 21, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Finding Life Insurance for "High-Risk" Mother
Replies: 25
Views: 2467

Re: Finding Life Insurance for "High-Risk" Mother

I assume you do not want to share family issues, but some would need to know a bit more about the nature of the "disappointing conversation" with your mother in order to advise. I also repeat the question above asking why you need life insurance. If the insurance is for final arrangements you might ...
by CABob
Sun Aug 20, 2017 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about trust
Replies: 3
Views: 486

Re: Questions about trust

Perhaps the first question should be whether you need a trust to accomplish your desires. At first glance I would wonder whether you can accomplish what you want using a will and transfer on death designations.
by CABob
Sun Aug 20, 2017 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Advantages of Having No Credit Score
Replies: 42
Views: 3090

Re: Advantages of Having No Credit Score

Now I'm left wondering if having no score has any advantages. The obvious ones are: "Score" can't drop Less damage due to identity theft I'm not sure that the fact that no score can't drop is an advantage. I'm also not sure that there is less of an impact from identity theft. Bottom line is that I ...
by CABob
Sat Aug 19, 2017 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: RMD taxation taken in December
Replies: 12
Views: 1156

Re: RMD taxation taken in December

Taylor - When you take your RMDs does the Vanguard system ask you the amount you want withheld or does it ask you the percentage you want withheld? I seem to remember it asks the percentage, but I may be incorrect. Regards, I'm going from memory but I think you can specify the taxes withheld either...
by CABob
Wed Aug 16, 2017 6:34 pm
Forum: Personal Consumer Issues
Topic: Credit score dropped 100 points overnight
Replies: 31
Views: 3034

Re: Credit score dropped 100 points overnight

Do you use CreditKarma? It's really good. I have enrolled in Credit Karma and check my score one in a while. I am amused that I often get a reminder that I should check my score since something has been reported that has changed the score. When I log on there is a notice that I have paid off a CC b...
by CABob
Wed Aug 16, 2017 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: S&P 500
Replies: 3
Views: 629

Re: S&P 500

And here is a list of the S&P500 stocks.
by CABob
Sun Aug 13, 2017 10:23 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Target Retirement 2010 to merge
Replies: 4
Views: 1847

Re: Vanguard Target Retirment 2010 to merge

EHEngineer wrote:
Sun Aug 13, 2017 11:30 am
Does anyone know the merge date and share exchange ratio between (or prices of) the target retirement 2010 fund (VTENX) and the target retirement income fund (VTINX)?
Exchange date was 7/21/17. NAV for income fund was $13.38. NAV for 2010 fund was 25.55.
by CABob
Sun Aug 13, 2017 1:42 pm
Forum: Forum Issues and Administration
Topic: Please consider setting a time limit of 15 minutes to edit a post
Replies: 31
Views: 2984

Re: Please consider setting a time limit of 15 minutes to edit a post

I hope the Advisers and Moderators will give some consideration to this matter. Personally I have some mixed emotions because I see some significant differences in what are being called "edits". Correcting typos, misspells, grammar and the like should be allowed but probably a time limit would not h...