Search found 4575 matches

by CABob
Fri Oct 19, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 103
Views: 4714

Re: When to change tires; and what brand

For whatever reason I have 28 pounds on all four tires but in rechecking them about 3 weeks later they all gap to 37,33,33,and 31. Why and what can I do to keep them from going up. I could understand losing tire pressure but going up has got me confused. Temperature change? But a change from 28 PSI...
by CABob
Thu Oct 18, 2018 7:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguard podcast
Replies: 0
Views: 251

Vanguard podcast

I just finished watching the Vanguard Podcast talking about Women and Investing. As a man I found it very interesting and much of it was not gender specific and that that was addressed some of the concerns I have with leaving my wife with the knowledge to carry on when I am not available. The podcas...
by CABob
Sat Oct 13, 2018 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Sell it all
Replies: 11
Views: 2739

Re: Sell it all

videocrafters wrote:
Thu Oct 11, 2018 9:38 pm
The problem with target funds as I see it is they don’t allow me to have a bucket approach to my allocations from more conservative to more risky.
You could have a "mental" buckets with your overall allocations reflecting the issues of risk, goals, etc.
by CABob
Tue Oct 09, 2018 6:30 pm
Forum: Personal Consumer Issues
Topic: Kirkland (Costco) Razor
Replies: 31
Views: 3098

Re: Kirkland (Costco) Razor

niceguy7376 wrote:
Tue Oct 09, 2018 2:22 pm
I did see the kirkland razor. Might need to try that out if they cost less than mach 3.
The Kirklkand appears to be approximately half of the cost of Mach 3.
I also find it interesting that Costco decided to "copy" the 3 bladed razor rather than to 5 blade one.
by CABob
Tue Oct 09, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Kirkland (Costco) Razor
Replies: 31
Views: 3098

Re: Kirkland (Costco) Razor

I was wondering if anyone has tried this razor and what they thought of it. If you think you might like it, buy one and try it. If you do not like it, you can return it for a full refund. I will probably get one to try and will use it until I run out of blades then decide whether to continue. What'...
by CABob
Sun Oct 07, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: Kirkland (Costco) Razor
Replies: 31
Views: 3098

Kirkland (Costco) Razor

I see that Costco now has a Kirkland brand of three bladed razor, perhaps to compete with the Gillette Mach3. Kirkland Razor I was wondering if anyone has tried this razor and what they thought of it. I had been using the Gillette 5 blade razor but recently went back to the Mach 3 blade and like it....
by CABob
Sun Oct 07, 2018 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Best Method To Take Income In Retirement
Replies: 5
Views: 1037

Re: Best Method To Take Income In Retirement

This paper from Vanguard may be of interest.
by CABob
Mon Oct 01, 2018 10:01 pm
Forum: Investing - Theory, News & General
Topic: Moneytalk with Bob Brinker coming to an end
Replies: 70
Views: 9142

Re: Moneytalk with Bob Brinker coming to an end

1year23 wrote:
Mon Oct 01, 2018 8:47 pm
Anyone remember his phrase: being in the catbird seat?
I do remember he frequently made the reference to someone who "had it made" or "had everything under control."
This forum seems to have a number of posters who are in the catbird seat.
by CABob
Sat Sep 29, 2018 9:46 pm
Forum: Investing - Theory, News & General
Topic: Paying expenses out of pocket in tax-advantaged accounts?
Replies: 11
Views: 1288

Re: Paying expenses out of pocket in tax-advantaged accounts?

Is it possible to pay expenses out of pocket on our IRA's so that expenses are not taken out of our contribution/growth? It depends on what you mean by expenses and possibly where is the account held. Fund expenses are taken daily from the cash balance and cannot be paid separably. An account maint...
by CABob
Sat Sep 29, 2018 12:53 pm
Forum: Investing - Theory, News & General
Topic: Moneytalk with Bob Brinker coming to an end
Replies: 70
Views: 9142

Re: Moneytalk with Bob Brinker coming to an end

^ ^ ^ My experience very similar to that of 123. I was a long time listener but not so much in recent years especially when it became difficult to find a radio station that carried the show. I credit Bob for introducing me to Vanguard and its Total Stock Market fund. Does anyone recall someone who o...
by CABob
Wed Sep 26, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: When do you need a hearing aid
Replies: 49
Views: 3111

Re: When do you need a hearing aid

I'm glad to see another hearing aid conversation on the forum since I have some hearing loss and know I should do something about it. My primary problem in my opinion is in listening to conversations in a noisy area or really when there is any interfering sounds. A room with several conversation goi...
by CABob
Sun Sep 23, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Credit score impact of high card balance
Replies: 6
Views: 412

Re: Credit score impact of high card balance

Thanks for your responses. I'm already too late to pay before the statement is issued, but I guess I don't really care since I do not expect to apply for a loan. My interest was mostly curiosity on my part.
by CABob
Sun Sep 23, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Credit score impact of high card balance
Replies: 6
Views: 412

Credit score impact of high card balance

I recently made a high (for me) purchase on a credit card. Would there be any advantage to making a payment early before the statement date so that the utilization rate was lower at the end of the statement period? Example: Suppose I had a card with a credit limit of $10,000 and typically had monthl...
by CABob
Fri Sep 21, 2018 10:55 pm
Forum: Personal Consumer Issues
Topic: True cost of a [dental] implant
Replies: 71
Views: 11287

Re: True cost of a [dental] implant

My records are not too precise, but I have had seven implants over that past 8 years at a total cost of $39,000. (No insurance)
by CABob
Tue Sep 18, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: Inexpensive source for greeting cards?
Replies: 27
Views: 1609

Re: Inexpensive source for greeting cards?

I have found that a nominal donation to the Veterans of Foreign Wars and many other charities keeps me over supplied with greeting cards, address labels, etc.
by CABob
Mon Sep 17, 2018 5:06 pm
Forum: Personal Consumer Issues
Topic: Picking a Charity
Replies: 69
Views: 2897

Re: Picking a Charity

I am a proponent of memorial donations being "requested" instead of flowers when someone dies. This might be something we can reearch for ourselves or family members well in advance. I think offering several choices may be a good idea as well. This is almost universally done in my area. I assumed i...
by CABob
Tue Sep 11, 2018 10:45 am
Forum: Investing - Theory, News & General
Topic: Barron's--Vanguard Is Losing Battles on Two Fronts in Fee Wars
Replies: 53
Views: 4734

Re: Barron's--Vanguard Is Losing Battles on Two Fronts in Fee Wars

Is Vanguard losing its mojo? I don't think so. Vanguard's ERs are low enough so that if a competitor beats them by a few basis points it is not very significant. As far as fund minimums, I'm not sure it would be that much of a factor and higher fund minimums is one of the factors that keeps the ER ...
by CABob
Tue Sep 11, 2018 10:37 am
Forum: Personal Consumer Issues
Topic: Vanguard electronic bank transfers
Replies: 22
Views: 2138

Re: Vanguard electronic bank transfers

1) If you open checkwriting on an account, and don't write any checks for an extended period of time (in my case, years), they will contact you to let you know they'll be turning off your checkwriting on that fund. The stated rationale is to improve security. Interesting, I had not heard that befor...
by CABob
Tue Sep 11, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: Remodel for aging in place
Replies: 44
Views: 3152

Re: Remodel for aging in place

One thing to add is a combination lockbox with your house key in it so that if you need to have someone come over to check on something you can just give them the combination over the phone to allow them to get into the house. An alternate to this would be a keyless remote for a garage door if that...
by CABob
Sun Sep 09, 2018 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Move Individual Stock Portfolio to Vanguard
Replies: 5
Views: 698

Re: Move Individual Stock Portfolio to Vanguard

If your Vanguard account is one of the older mutual fund only accounts you may have to convert it to a brokerage account before you can bring the individual stocks in.
by CABob
Fri Sep 07, 2018 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: [Retirement accounts locked by Vanguard, unable to convert Admiral funds to ETF]
Replies: 57
Views: 4280

Re: [Retirement accounts locked by Vanguard, unable to convert Admiral funds to ETF]

oner wrote:
Fri Sep 07, 2018 4:29 pm
They have yet to tell me.
What was Vanguard's response when you asked them?
by CABob
Thu Sep 06, 2018 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Moving to Vanguard from Edward Jones, Advice Needed
Replies: 6
Views: 732

Re: Moving to Vanguard from Edward Jones, Advice Needed

Since the money is presumably invested in something at EJ is would be a sideways move to the investments at VG. Therefore, I see no reason to do it in increments. If you would be more comfortable with doing this in increments do it. Perhaps a third every month for three months.
by CABob
Mon Sep 03, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Neighbor Fencing question
Replies: 50
Views: 4020

Re: Neighbor Fencing question

Hopefully the neighbor will be trimming his tree which should be at his cost. Generally I think you should split the cost of the fence repair/replacement.
by CABob
Fri Aug 31, 2018 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: I want to pry my friend away from Edward Jones
Replies: 71
Views: 7770

Re: I want to pry my friend away from Edward Jones

I would agree with others to go along with "If You Can" and "Coffeehouse" but my favorite for this purpose is Eric Tyson's Personal Finance for Dummies. Don't push the idea however. Let her decide if she want to pursue a change. I believe this book addresses the issues you mention.
by CABob
Fri Aug 31, 2018 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on transition to Vanguard Funds
Replies: 5
Views: 580

Re: Advice on transition to Vanguard Funds

Some clarification is needed. An inheritance indicates to me that this may be a taxable account but the RMD means that this is a tax deferred account. To avoid future problems I suggest you take your RMD before any transfer so that is complete. In general, I think you might consider the three fund p...
by CABob
Wed Aug 22, 2018 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: "By not having a will, Aretha Franklin likely left her heirs with lots of headaches"
Replies: 31
Views: 2559

Re: "By not having a will, Aretha Franklin likely left her heirs with lots of headaches"

It's especially surprising that entertainers would not use a will to specify how to handle their lifetime output and future publicity rights, to protect their legacy. Otherwise their image may end up in advertisements for products they would have hated, or their embarrassing bloopers might see the ...
by CABob
Wed Aug 22, 2018 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Switched to Vanguard - now what?
Replies: 4
Views: 502

Re: Switched to Vanguard - now what?

So do I SELL, put it in the Federal Monye Market/settlement account, and then BUY what I want?

That sounds right to me. Since this is in an IRA it would not be a taxable event. You may have a sales commission for each fund you sell.
by CABob
Tue Aug 21, 2018 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Money Market Funds?
Replies: 9
Views: 1300

Re: Money Market Funds?

What do you trust?
Some of the B&M banks have savings, CD, or money market accounts which are reasonable.
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: 459

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: 428

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: 960

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: 1096

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: 14548

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: 4079

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: 591

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: 5473

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: 5473

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: 2400

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: 2400

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: 2400

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: 362
Views: 18485

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: 362
Views: 18485

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: 362
Views: 18485

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: 1549

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: 2033

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: 2033

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: 2033

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: 4910

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: 2033

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: 38380

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.