Search found 4838 matches

by CABob
Mon May 25, 2020 5:12 pm
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 142
Views: 17339

Re: Any Instant Pot users here?

I already commented, but I wish that rim on the main unit outside the stainless steel pot was easier to clean. I put the rest (sealing ring, lid, SS pot) in the dishwasher. I wrap a skewer or skinny end of a small utensil in a paper towel and that kind of does the job but it could be easier. Given ...
by CABob
Mon May 25, 2020 10:41 am
Forum: Forum Issues and Administration
Topic: Bogleheads' Reading Strategies for Boglehead Forums
Replies: 16
Views: 934

Re: Bogleheads' Reading Strategies for Boglehead Forums

I use bogleheads.org as my starting point so I see conversation titles and don't even consider which sub-forum they are in. My decision on whether to read the post or not is roughly based on what the title is, who and how many have responses have there been, how old is the original post, and general...
by CABob
Sat May 23, 2020 11:35 am
Forum: Personal Investments
Topic: Is Vanguard's Personal Advisor Service Worth It???
Replies: 62
Views: 4671

Re: Is Vanguard's Personal Advisor Service Worth It???

If you are willing and able to do a little bit of setup and maintenance I suggest you put all of it into a 3-fund portfolio with all of the bond funds in the tax advantaged account. If even that is more effort than you are willing and able to expend I suggest a target date fund or life strategy fund...
by CABob
Thu May 21, 2020 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: investmenting books
Replies: 27
Views: 1369

Re: investmenting books

You've received a number of good suggestions in the responses above. Perhaps my favorite for someone such as your niece is Personal Finance for Dummies by Eric Tyson. You might also look at some of Tyson's other books.
by CABob
Wed May 20, 2020 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Email from Vanguard [for a Retail Investor Group consultation]
Replies: 33
Views: 3412

Re: Email from Vanguard [for a Retail Investor Group consultation]

1210sda wrote:
Wed May 20, 2020 2:40 pm

Could you please share the phone number of the Vanguard Fraud line?
I'm not sure it is a unique number for fraud but I got the number from this link. https://investor.vanguard.com/security/fraud
by CABob
Wed May 20, 2020 1:38 pm
Forum: Forum Issues and Administration
Topic: Support the site through Amazon?
Replies: 23
Views: 1319

Re: Support the site through Amazon?

There certainly is.
https://www.bogleheads.org/support.php
Check the Amazon link almost at the bottom of the page.
by CABob
Wed May 20, 2020 1:05 pm
Forum: Personal Consumer Issues
Topic: Vanguard Phishing Email
Replies: 18
Views: 2054

Re: Vanguard Phishing Email

After further consideration and some of the comments in this conversation I called the Vanguard Fraud line today and asked about the email. The Rep I spoke to told me it is a legitimate email and the Retail Investor Group is an organization within Vanguard.
by CABob
Wed May 20, 2020 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Email from Vanguard [for a Retail Investor Group consultation]
Replies: 33
Views: 3412

Re: Email from Vanguard [for a Retail Investor Group consultation]

After further consideration and some of the comments in this conversation I called the Vanguard Fraud line today and asked about the email. The Rep I spoke to told me it is a legitimate email and the Retail Investor Group is an organization within Vanguard.
by CABob
Tue May 19, 2020 6:19 pm
Forum: Personal Consumer Issues
Topic: Vanguard Phishing Email
Replies: 18
Views: 2054

Re: Vanguard Phishing Email

This is very interesting. I must have missed this post when it was added in early March. It is very similar to one that I received in mid May that I reported at https://www.bogleheads.org/forum/viewtopic.php?f=2&t=314909&newpost=5262179&view=unread#unread Although like you I found the email to be st...
by CABob
Tue May 19, 2020 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Email from Vanguard [for a Retail Investor Group consultation]
Replies: 33
Views: 3412

Re: Email from Vanguard

Today I received a telephone call from the Vanguard Rep that had sent the email initially. Very pleasant, no hard sell, I'm still not really sure what the purpose of the email and call was. He noted that I had already cancelled my RMD for this year and asked it I wanted help to re-establish RMD for ...
by CABob
Sun May 17, 2020 1:27 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Fund Platform EOL
Replies: 245
Views: 8551

Re: Vanguard Mutual Fund Platform EOL

Vanguard just says: "Joint accounts don't need beneficiaries. Joint accounts simply pass to the surviving owner."
That sounds like a reasonable explanation. Unless the unlikely event that all joint owners die at the same time is there a reason for beneficiary?
by CABob
Sun May 17, 2020 12:37 pm
Forum: Personal Investments
Topic: Which ETF should i choose from the big list of Vanguard ETF's?
Replies: 19
Views: 1333

Re: Which ETF should i choose from the big list of Vanguard ETF's?

If you spend a little time looking at a Periodic Table of Returns you will see that there is very little persistence in year over year performance as well as multi-year good performance. That is why most Bogleheads recommend broad based index funds so you will own the entire market rather than selec...
by CABob
Sat May 16, 2020 2:51 pm
Forum: Personal Consumer Issues
Topic: In your experience, what is the credit card with the best customer service?
Replies: 36
Views: 2038

Re: In your experience, what is the credit card with the best customer service?

There seems to be almost universal agreement that AMEX provides the best service. I have not had an AMEX card since Costco converted theirs to VISA. In the past I have avoided AMEX since most of them charge an annual fee which is undesirable to me. Are there any AMEX cards without an annual fee that...
by CABob
Fri May 15, 2020 3:12 pm
Forum: Personal Consumer Issues
Topic: Flag Pole Light
Replies: 16
Views: 1134

Re: Flag Pole Light

There are also solar lights that mount on the pole above the flag. I don't have any personal experience, but I have seen one in my neighborhood that seems to do the job.
https://www.amazon.com/Deluxe-Downlight ... B00D9C796Y
by CABob
Fri May 15, 2020 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Email from Vanguard [for a Retail Investor Group consultation]
Replies: 33
Views: 3412

Re: Email from Vanguard

I have just received an email from a Client Consultant with the Vanguard Retail Investor Group. The Consultant indicates he would like to talk to me at a mutually agreeable time to discuss, "help in navigating the current economic environment." I have been with Vanguard for over 20 years and I beli...
by CABob
Thu May 14, 2020 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Email from Vanguard [for a Retail Investor Group consultation]
Replies: 33
Views: 3412

Re: Email from Vanguard

I had a call (went to voice mail) from my Flagship Rep today offering to set up call to discuss the implications of the CARES act. plannerman The subject of my email was "CARES Act" so it sounds like it may have been the same thing. Did you return the call to your Rep? Maybe my email was from my Fl...
by CABob
Thu May 14, 2020 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Email from Vanguard [for a Retail Investor Group consultation]
Replies: 33
Views: 3412

Re: Email from Vanguard

Assuming you weren't already searching for professional financial advice, I'm wondering why you would agree to speak to them. Nothing wrong with doing so, of course, but don't you ignore most advertising e-mails and phone calls, even if they're from businesses that you have a pre-existing relations...
by CABob
Thu May 14, 2020 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Email from Vanguard [for a Retail Investor Group consultation]
Replies: 33
Views: 3412

Re: Email from Vanguard

UpperNwGuy wrote:
Thu May 14, 2020 3:05 pm
Are you going to talk to him?
Probably. He wants me to call and suggest a good time to talk and if I don't he will contact me. I may wait to see if he makes the effort. Somehow I suspect this will be a pitch for PAS which I have not participated in.
by CABob
Thu May 14, 2020 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Email from Vanguard [for a Retail Investor Group consultation]
Replies: 33
Views: 3412

Email from Vanguard [for a Retail Investor Group consultation]

I have just received an email from a Client Consultant with the Vanguard Retail Investor Group. The Consultant indicates he would like to talk to me at a mutually agreeable time to discuss, "help in navigating the current economic environment." I have been with Vanguard for over 20 years and I belie...
by CABob
Thu May 14, 2020 1:25 pm
Forum: Personal Consumer Issues
Topic: Moving Furniture Yourself
Replies: 40
Views: 2927

Re: Moving Furniture Yourself

I've never used it but this idea seems interesting whenever I see the ad.
https://www.amazon.com/Furniture-Applia ... 37&sr=1-12
by CABob
Thu May 14, 2020 12:05 pm
Forum: Investing - Theory, News & General
Topic: What's after-hour trading ?
Replies: 7
Views: 906

Re: What's after-hour trading ?

Am I correct that after hours trading is done between two parties both trading in the after market exchange?
by CABob
Tue May 12, 2020 10:59 am
Forum: Personal Consumer Issues
Topic: Where do you back up your important data?
Replies: 102
Views: 5085

Re: Where do you back up your important data?

OK, my turn for a dumb question. Can idrive be used for Windows computer or is it for Apple products only.
by CABob
Sat May 09, 2020 11:01 pm
Forum: Personal Investments
Topic: Taxable Account & Roth IRA Have Same Index Funds - Is This Okay?
Replies: 12
Views: 1296

Re: Taxable Account & Roth IRA Have Same Index Funds - Is This Okay?

Given the funds you currently own having the same in both accounts is not a particular problem except for tax loss harvesting as mentioned above. In the future you may add some additional funds and there might be concerns about the best funds to hold in a tax advantaged account vs. those in a taxabl...
by CABob
Fri May 08, 2020 1:28 pm
Forum: Forum Issues and Administration
Topic: Thank you, moderators!
Replies: 46
Views: 2651

Re: Thank you, moderators!

I agree! Perhaps this is a good opportunity to make a donation to support the site.
by CABob
Mon Apr 27, 2020 11:48 pm
Forum: US Chapters
Topic: What is a Boglehead? Some Fun.
Replies: 53
Views: 2871

Re: What is a Boglehead? Some Fun.

How do you describe the Bogleheads to your wife (or husband)? A number of years ago the annual BH convention was planned for southern California. Some of the “old-timers” can tell us when that was. Since I lived in SoCal I was interested in attending since I could drive to the conference. I started ...
by CABob
Mon Apr 27, 2020 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Do you keep cold hard cash in your home?
Replies: 22
Views: 1255

Re: Do you keep cold hard cash in your home?

Yes, under 1000. The only advantage I can think of is to replenish the "walking around money" in my wallet rather than visiting my local ATM. I started the stash several years ago at $5 a day as a reward to buy something special for myself for accomplishing a personal self improvement goal. I contri...
by CABob
Fri Apr 24, 2020 10:55 am
Forum: Personal Investments
Topic: Can't turn off dividend reinvestment with Vanguard
Replies: 20
Views: 1424

Re: Can't turn off dividend reinvestment with Vanguard

Since the account only has one fund in it why do you not want dividends reinvested?
by CABob
Thu Apr 23, 2020 7:32 pm
Forum: Personal Investments
Topic: [Three-fund portfolio for a taxable account]
Replies: 6
Views: 763

Re: [Three-fund portfolio for a taxable account]

[Moved into a new thread from: The Three-Fund Portfolio --admin LadyGeek] Hello, I've just finished reading the Bogleheads 3-Fund Portfolio book over the weekend and have poked around a bit on the site, but still had a few questions I was hoping you could answer. I'm 48 years old, married, 2 kids. ...
by CABob
Wed Apr 22, 2020 6:21 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2828
Views: 1854696

Re: The Three-Fund Portfolio

Yes you are missing something. But the difference may not be significant. Is this in a tax advantaged account or a taxable account? If in taxable is the S&P500 ahead or behind? Consider the tax implications and the transaction costs where the answer might be obvious. Whats the difference in investi...
by CABob
Mon Apr 20, 2020 6:36 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2828
Views: 1854696

Re: The Three-Fund Portfolio

Yes you are missing something. But the difference may not be significant. Is this in a tax advantaged account or a taxable account? If in taxable is the S&P500 ahead or behind? Consider the tax implications and the transaction costs where the answer might be obvious.
by CABob
Sun Apr 19, 2020 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Received stimulus funds but don't think we're eligible
Replies: 13
Views: 2003

Re: Received stimulus funds but don't think we're eligible

I think that I have received my check for something less than the full amount. Is the IRS going to send out any kind of form indicating how much they sent and how that came up with that amount?
by CABob
Sun Apr 19, 2020 2:57 pm
Forum: Personal Investments
Topic: Is this a reason to switch brokerages?
Replies: 12
Views: 580

Re: Is this a reason to switch brokerages?

Thanks all, I'll keep looking into this more. I didn't think about fees but definitely something I need to research more. Considering how much everywhere has dropped most fee's and this being work sponsored, I just figured there wouldn't be. From the looks of it, I don't think ill be able to transf...
by CABob
Sun Apr 19, 2020 1:45 pm
Forum: Personal Investments
Topic: Is this a reason to switch brokerages?
Replies: 12
Views: 580

Re: Is this a reason to switch brokerages?

Are there additional charges or fees to utilize the brokerage link? There is often a fee for this utilization which may be a significant factor in the decision.
by CABob
Sun Apr 12, 2020 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on Holding Restaurant - Gift Cards From Bankrupt Co - Logan's Roadhouse
Replies: 23
Views: 2087

Re: Advice on Holding Restaurant - Gift Cards From Bankrupt Co - Logan's Roadhouse

Looked on Ebay and Logan's GCs are still for sale at 10% discount, eg. $100 for $90. No surprise its Ebay. Being for sale and actually selling the GC is not the same thing. If you could get 90 cents on the dollar I would go for it. I would think that the most likely future would be that the GC will...
by CABob
Sat Apr 11, 2020 12:00 am
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 351
Views: 27158

Re: just got my $1200 stimulus payment

I'm not sure I will be getting a check but what are your thoughts on the best use of the check to help the economy and needy. My primary interests are local small businesses and the needy.
by CABob
Wed Apr 08, 2020 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: No news from Vanguard on RMD changes?
Replies: 31
Views: 2636

Re: No news from Vanguard on RMD changes?

Murgatroyd wrote:
Wed Apr 08, 2020 7:11 pm
Received an email from Fidelity yesterday informing the option to forego our RMD’s is available for this year with instructions on how to do it online.
That's all I expected from Vanguard.
by CABob
Tue Apr 07, 2020 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Undoing your already-taken RMD for 2020
Replies: 117
Views: 7270

Re: Undoing your already-taken RMD for 2020

In past years, I have taken some QCD early in the year then later in the year taken the balance of my RMD. With the new legislation the REQUIRED Minimum Distribution is no longer required. Does the QCD still reduce my taxable income? Is there a difference between QCD taken before the new legislatio...
by CABob
Tue Apr 07, 2020 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Undoing your already-taken RMD for 2020
Replies: 117
Views: 7270

Re: Undoing your already-taken RMD for 2020

In past years, I have taken some QCD early in the year then later in the year taken the balance of my RMD. With the new legislation the REQUIRED Minimum Distribution is no longer required. Does the QCD still reduce my taxable income? Is there a difference between QCD taken before the new legislation...
by CABob
Sun Apr 05, 2020 11:29 pm
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20100

Re: What are you doing for haircuts due to coronavirus shutdown?

AlphaLess wrote:
Sun Apr 05, 2020 11:03 pm
I got an excellent haircut today.

Paid $20, and a $5 tip.

The person cutting my hair was myself.
I would have expected that you gave a larger tip. :mrgreen:
by CABob
Sat Apr 04, 2020 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: No news from Vanguard on RMD changes?
Replies: 31
Views: 2636

Re: No news from Vanguard on RMD changes?

I received a notice from Vanguard today to tell me I still needed to take my 2020 RMD. I think the notice was because I had just changed my RMD Distribution to "None" for the year. I don't expect VG to be providing tax information but acknowledging that the requirement for RMD had been changed does ...
by CABob
Sat Apr 04, 2020 3:38 pm
Forum: Personal Investments
Topic: [Suggestions for talking my wife into keeping our stock fund]
Replies: 17
Views: 1505

Re: [Suggestions for talking my wife into keeping our stock fund]

There was a recent blog which addressed the subject which may be of interest.
https://vanguardblog.com/2020/04/03/vanguard-weather/
by CABob
Sat Apr 04, 2020 3:01 pm
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20100

Re: What are you doing for haircuts due to coronavirus shutdown?

I am also a #3 all over type and have been tempted to try to do it myself but the idea of getting a neat trim especially on the back of my head seemed scary and destined for failure. I used to have a trimmer I think made by Remington that was used like one would use a hair brush. It seemed to do a f...
by CABob
Thu Apr 02, 2020 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: No news from Vanguard on RMD changes?
Replies: 31
Views: 2636

Re: No news from Vanguard on RMD changes?

There have been a number of conversations on this subject on Bogleheads such as https://www.bogleheads.org/forum/viewtopic.php?t=267855 which I found informative. the Vanguard site does not seem to note the change for my IRA. They are still indicating that I need to take the full RMD. Oops! The conv...
by CABob
Mon Mar 30, 2020 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Undoing your already-taken RMD for 2020
Replies: 117
Views: 7270

Re: Undoing your already-taken RMD for 2020

My theory is that while someone at Vanguard was updating things because of the new regulation waving 2020 RMDs they "bumped their elbow" into something that resulted in this message. I doubt that Vanguard would be making any updates because of the new regulation. They should only be doing updates b...
by CABob
Mon Mar 30, 2020 1:45 pm
Forum: Investing - Theory, News & General
Topic: CD vs. conservative Target retirement fund?
Replies: 20
Views: 1000

Re: CD vs. conservative Target retirement fund?

I guess my goal is to learn what else is comparable to CD in terms of returns/risks? I would like to eliminate the hassle of opening/closing CD's and ideally put my money in a sit and forget about it place.. If that's not possible , I will stick with CDs.. Why not just invest in a bond fund? It can...
by CABob
Mon Mar 30, 2020 11:15 am
Forum: Investing - Theory, News & General
Topic: CD vs. conservative Target retirement fund?
Replies: 20
Views: 1000

Re: CD vs. conservative Target retirement fund?

Just to nit pick a bit I believe that the Vanguard Target Retirement 2010 fund no longer exists. I think that it has been converted to the Target Retirement Income fund.
by CABob
Mon Mar 30, 2020 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Undoing your already-taken RMD for 2020
Replies: 117
Views: 7270

Re: Undoing your already-taken RMD for 2020

Thanks for the information, Mel. I also want to remind others that may have their RMD already set up for sometime in the future that they may want to cancel it to address later in the year. There is also a provision in the new legislation that allows up to $300 in charitable contributions as a deduc...
by CABob
Sun Mar 29, 2020 5:51 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2828
Views: 1854696

Re: The Three-Fund Portfolio

I was thinking of also buying the Vanguard Real Estate Index Fund to further diversify and protect against inflation. Would this be a solid plan? I appreciate all the help! The total stock market fund contains a market weight of real estate stocks. Adding the REIT would overweight real estate and w...
by CABob
Sat Mar 28, 2020 5:33 pm
Forum: Investing - Theory, News & General
Topic: RMD in bear markets
Replies: 12
Views: 827

Re: RMD in bear markets

I guess I have decided to not withdraw my RMD this year, however I have always withheld income taxes from my RMD. I guess I should at least withdraw enough to cover estimated tax this year. If you withdraw IRA money to pay taxes, the withdrawal is taxable income. If you have "other money" in a taxa...