Search found 4726 matches

by CABob
Sun Sep 15, 2019 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Time for QCD/IRA RMD -- need dividend estimate
Replies: 10
Views: 495

Re: Time for QCD/IRA RMD -- need dividend estimate

I'll log on to Vanguard and see if I can get a ballpark on what to expect in taxable dividends --- that's the only real unknown at this point. The current yield on the Total Stock Market is 1.88% so your current balance times .0188 would be quite close to the dividends you will receive for the curr...
by CABob
Fri Sep 13, 2019 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: "Estate Planning Checklist" (for all of us)
Replies: 23
Views: 3593

Re: "Estate Planning Checklist" (for all of us)

It says trust if you need it. Under what circumstances would that be needed that can't be achieved with a will? Maybe I should ask in a fresh thread or search around first. A search is certainly warranted and it is a subject that has been discussed extensively. The pros and cons of a will are frequ...
by CABob
Fri Sep 13, 2019 5:40 pm
Forum: Personal Consumer Issues
Topic: Need gift ideas for my parents
Replies: 18
Views: 1228

Re: Need gift ideas for my parents

Some thoughts from personal experience: Are you sure that they want and would appreciate a gift of the type you are thinking. In some cases just seeing children and grandchildren more often would be appreciated. Knowing that a child spends a lot of money (perhaps not as much as you mentioned) for "s...
by CABob
Mon Sep 02, 2019 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting part of RMD's to a 503c
Replies: 23
Views: 1091

Re: Gifting part of RMD's to a 503c

Also in the yr I turn 70.5 I can not use some of my RMD as a QCD to save on taxes? Not quite correct. You can make a QCD after you turn 70.5. The QCD is part of your RMD so you need to make sure you have the amount of the desired QCD available in the account before you take the last of the RMD.
by CABob
Fri Aug 23, 2019 6:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard supervisor and brother-in-law stole over $2M from dead customers and dormant accounts
Replies: 30
Views: 5819

Re: Former Vanguard employee convicted of fraud

galawdawg wrote:
Fri Aug 23, 2019 5:11 pm
This information has been posted (and locked) before. viewtopic.php?t=275832
The sentence (punishment) is new.
by CABob
Thu Aug 22, 2019 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Paying credit card "current balance" vs. "statement balance"
Replies: 48
Views: 4373

Re: Paying credit card "current balance" vs. "statement balance"

As I make purchase with my card, I pay them off weekly :happy I am very surprised at the number of people who make interim (during statement cycle) payments on their cards. I would think that making a weekly payment is a lot of bother. As long as the statement balance is paid prior to its due date ...
by CABob
Fri Aug 16, 2019 1:53 pm
Forum: Personal Investments
Topic: Quick question about submitting portfolio numbers for review
Replies: 11
Views: 578

Re: Quick question about submitting portfolio numbers for review

Suggest you summarize the best you can. For starters I and probably others will suggest that 24 funds is just too many to be meaningful. That and small percentages are just not significant in ones portfolio. An allocation of 0.014% in a $100,000 portfolio would be $14. Even if you meant to say 1.4% ...
by CABob
Fri Aug 16, 2019 1:04 pm
Forum: Forum Issues and Administration
Topic: Why is "The Americans" on the Bogleheads Amazon list?
Replies: 6
Views: 2086

Re: Why is "The Americans" on the Bogleheads Amazon list?

The link is not a recommendation for a specific product but rather a suggestion to use the link for an Amazon purchase so Bogleheads can get a piece of the action.
https://www.bogleheads.org/support.php
See Affiliate Links at the bottom of this page.
by CABob
Thu Aug 15, 2019 8:03 pm
Forum: Investing - Theory, News & General
Topic: Personal Flagship Representaive Going Away
Replies: 111
Views: 10404

Re: Personal Flagship Representaive Going Away

Vanguard knows client age and utilization of the Flagship rep. I'll go out on a limb and venture that older customers who interact with the named Flagship rep are keeping that service past others who are younger and interact less to never. I believe I would be in the "older" group. I received the n...
by CABob
Mon Aug 12, 2019 7:08 pm
Forum: Personal Consumer Issues
Topic: Hearing Aids
Replies: 45
Views: 3255

Re: Hearing Aids

A review of Costco from an admittedly biased source (an audiologist) Yet - he still raises some valid points: I am right on the edge now -- just moderate but considering buying in the not too distant future https://hearinghealthmatters.org/theaudiologycondition/2019/costco-hearing-aids-good-bad-ugl...
by CABob
Wed Aug 07, 2019 3:06 pm
Forum: Personal Investments
Topic: DRIP (Dividend Reinvestment Plan)
Replies: 30
Views: 3562

Re: DRIP (Dividend Reinvestment Plan)

At that time it was through some NIAP investment thing (I'm pretty sure I'm missing a letter or two in that acronym). I think the association is AAII but I could be wrong too. I believe the organization was National Association of Investors Corp which now seems to be known as Better Investing. http...
by CABob
Sun Jul 28, 2019 6:52 pm
Forum: Personal Consumer Issues
Topic: Vanguard:Search results are unavailable at this time.
Replies: 14
Views: 640

Re: Vanguard:Search results are unavailable at this time.

I almost always am unable to do a Vanguard search from Chrome, getting the "unavailable" message. I have usually gone to Internet Explorer to get it done.
by CABob
Sat Jul 27, 2019 10:18 pm
Forum: Personal Investments
Topic: Rebalancing into 3 Fund Portfolio - Taxable & 401k account questions
Replies: 4
Views: 307

Re: Rebalancing into 3 Fund Portfolio - Taxable & 401k account questions

We are in our late 30's and hold several 401k's from past jobs that are no longer being contributed to. They all three have great index options so we have left them alone. Is there a reason you haven't consolidated into a single account? Pick the best plan and consolidate there or open a rollover I...
by CABob
Tue Jul 23, 2019 10:02 am
Forum: Personal Finance (Not Investing)
Topic: How to get the best VG customer service?
Replies: 10
Views: 766

Re: How to get the best VG customer service?

... I’m a flagship client. Is there a way I can request a call in advance to improve the odds that they’ll assign an experienced knowledgeable person to call me? ... You can schedule a call through their website. And if you tell them in advance the nature of the call I think there might be a better...
by CABob
Sun Jul 21, 2019 11:42 am
Forum: Personal Investments
Topic: Thoughts on 33% Large 33% Mid and 33% small?
Replies: 81
Views: 5468

Re: Thoughts on 33% Large 33% Mid and 33% small?

I think it is over weighting small and mid cap stocks significantly. If they over perform significantly then this would be a good asset allocation. Personally I don't think this would be a good idea.
by CABob
Sun Jul 21, 2019 11:36 am
Forum: Investing - Theory, News & General
Topic: Are index funds becoming too popular?
Replies: 11
Views: 1692

Re: Are index funds becoming too popular?

According to recent news articles, index funds are currently around 50% of US stock fund assets and still growing fast! This may or may not be true and I am inclined to think that 50% is very high, but keep in mind that this is only mutual funds. There are also a lot of institutions and individuals...
by CABob
Sat Jul 20, 2019 6:11 pm
Forum: Personal Investments
Topic: Voyager Select vs Flagship
Replies: 14
Views: 1610

Re: Voyager Select vs Flagship

I looked and it's been about 2 years since this was discussed..... I'm currently at Flagship with Vanguard but, in wanting to simplify financial life, plan to move a Vanguard IRA to Schwab (where 90+ % of retirement assets are currently). I'll then have all retirement assets there. Doing so will dr...
by CABob
Wed Jul 17, 2019 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Karma keeps sends email about newly closed accounts but there's nothing recent - anyone else?
Replies: 16
Views: 1036

Re: Credit Karma keeps sends email about newly closed accounts but there's nothing recent - anyone else?

I occasionally get an email that says that I recently paid off a balance on an account. This is something that happens every month on a couple of accounts so it is no big deal and I wonder why it was sent. But I have not had a notice that an account was closed and if I did I might be a bit concerned...
by CABob
Wed Jul 17, 2019 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Any downside to using 'trusted contact' feature for financial accounts?
Replies: 17
Views: 1470

Re: Any downside to using 'trusted contact' feature for financial accounts?

I suggest you read closely what you are agreeing to and exactly what the trusted contact can do. I may be mistaken and have no direct experience but my understanding is that the trusted contact is typically only used when the institution cannot contact you and/or if they see suspicious account activ...
by CABob
Wed Jul 10, 2019 10:55 am
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 9030

Re: Who cuts your hair? And for how much?

My daughter was a stylist and I would go to her shop where the haircut was free (sort of). All it cost me was a 200 mile drive and lunch for 3-4 family and friends. :mrgreen:
by CABob
Sun Jul 07, 2019 11:05 am
Forum: Personal Finance (Not Investing)
Topic: When to find a Financial Advisor in Retirement
Replies: 20
Views: 1454

Re: When to find a Financial Advisor in Retirement

I have been retired for about 16 years and have not yet found a need for an adviser.
What I have done is simplify my portfolio with a target retirement fund and set up RMD in advance. I do worry a bit about how my DW will handle investments after I am no longer around.
by CABob
Sat Jul 06, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: Gillette Skinguard razor
Replies: 5
Views: 707

Re: Gillette Skinguard razor

Just curious, if it's working for you why do you need other people's opinion, lol? I guess I don't 'need' other opinions, but am curious. I can't imagine that I am suggesting a razor the the manufacturer and I admit that does not produce a 'close' shave. When is a comfortable shave more important t...
by CABob
Fri Jul 05, 2019 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Have trust already, how to add monetary gifts to grandchildren
Replies: 20
Views: 865

Re: Have trust already, how to add monetary gifts to grandchildren

Are you asking about adding GKids as beneficiaries to the trust or are you asking about gifts now, separate from the trust provisions?
by CABob
Fri Jul 05, 2019 11:18 am
Forum: Personal Consumer Issues
Topic: Gillette Skinguard razor
Replies: 5
Views: 707

Gillette Skinguard razor

I'm not sure the forum is ready for another conversation about razors, but am interested in the thoughts and experiences with the the Gillette Skinguard razor. I guess this is the latest in a long line of Gillette razors. I have been using one for that last couple of weeks. Prior to this I have used...
by CABob
Wed Jun 26, 2019 1:13 pm
Forum: Investing - Theory, News & General
Topic: Individual Stocks .. talk me out of it
Replies: 31
Views: 2096

Re: Individual Stocks .. talk me out of it

I see multiple sites offering subscriptions for a portfolio of stocks they pick. It sounds as if they are selling a newsletter or perhaps the services of an adviser. There are a number of them out there. I have a 3 fund portfolio am I missing out on something? Probably not. Do individual stocks giv...
by CABob
Sun Jun 23, 2019 7:57 pm
Forum: Personal Investments
Topic: Reinvesting Dividends or no
Replies: 41
Views: 4981

Re: Reinvesting Dividends or no

For RMDs I’m assuming the brokerage would know to use the oldest to sell? Or should I be considering something else? Tax loss and Tax harvesting are terms I don’t understand. However I do know I need to have a much better understanding for taxes and I don’t right now. RMDs coming from an IRA are ta...
by CABob
Sun Jun 23, 2019 7:11 pm
Forum: Personal Consumer Issues
Topic: Discounted Postage Stamps
Replies: 45
Views: 4279

Re: Discounted Postage Stamps

From earlier posts I checked Amazon for forever stamps and it appeared that they had several listed at a premium to their face value rather that at discount. Why would anyone buy them other than a perceived convenience over going to a post office?
by CABob
Fri Jun 14, 2019 10:34 pm
Forum: Personal Investments
Topic: Arguments for getting more complex than three-fund portfolio? (portfolio review / first post)
Replies: 16
Views: 1477

Re: Arguments for getting more complex than three-fund portfolio?

If you are reading or have read the Boglehead Three Fund book I wouldn't expect to find much information on other investments generally called "tilts" such as REIT. For more on that subject you would be better served by one of the books on asset allocation such as those by Ferri, Swedroe, or Schulth...
by CABob
Wed Jun 12, 2019 10:01 am
Forum: Personal Consumer Issues
Topic: Which shaving cream / oil?
Replies: 58
Views: 3946

Re: Which shaving cream / oil?

I have used Gillette Fusion gel for some time and am generally satisfied with it. I have tried a number of creams which are OK but I think they tend to clog the razor. As far as oils, I have used baby oil (or mineral oil) with some satisfaction and the skin feels good afterward.
by CABob
Fri Jun 07, 2019 12:28 pm
Forum: Personal Consumer Issues
Topic: Gillette Fusion razors
Replies: 57
Views: 5173

Re: Gillette Fusion razors

Ok, so just saw this and I must admit it is a bit over the top! When will it end? https://ondemand.gillette.com/en-us/shop/products/hot-shave?gclid=CjwKEAjwlujnBRDl2teOp_veulQSJAC5bHgtXZ8WY5BpTrSe_Nr8c9eF6bdDhmHDUpAZFtTd-jQ-ZxoCOzjw_wcB&gclsrc=aw.ds Wow :shock: That is outrageous. Can't wait for so...
by CABob
Wed Jun 05, 2019 9:15 pm
Forum: Personal Investments
Topic: Retired Income Investors: What do you do with dividends/interest in an IRA?
Replies: 5
Views: 642

Re: Retired Income Investors: What do you do with dividends/interest in an IRA?

I have my dividends reinvested in the fund they came from. Since I follow a total return approach once the money is in the tax deferred account it is not distinguished from other money. Withdrawals which should be based on a need for the money are taxed the same regardless of where the money came fr...
by CABob
Wed Jun 05, 2019 1:06 pm
Forum: Personal Consumer Issues
Topic: Gillette Fusion razors
Replies: 57
Views: 5173

Re: Gillette Fusion razors

I used the Fusion razor for several years but went back to the Mach 3. I find that the 3 blade is easier to use than the 5 blade. I also have tried the Costco Kirkland competitor to the Mach 3 and like it. There is a chat function on the Gillette website that I have used in the past for questions su...
by CABob
Mon Jun 03, 2019 2:51 pm
Forum: Investing - Theory, News & General
Topic: Two books coming in.
Replies: 12
Views: 1952

Re: Two books coming in.

You might want to look at the books in the Wiki list. I think both of your books are listed with a link to Taylor's reviews.
book list
by CABob
Sun Jun 02, 2019 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Required Minimum Distributions
Replies: 61
Views: 5647

Re: Required Minimum Distributions

I have always thought that taking RMD late in the year to take advantage of longer tax deferral was significant but the more I think about it I have become convinced that is is just not a big factor for me. I do like to make some QCD withdrawals so I want to wait with RMD until they have been taken....
by CABob
Sat Jun 01, 2019 11:39 am
Forum: Personal Consumer Issues
Topic: Driveway Stain - What is it?
Replies: 11
Views: 1188

Re: Driveway Stain - What is it?

Radiator coolant? Brake fluid? I'd let him know just in case his truck might be damaged by losing too much of whatever it is. Good idea. Thanks cheese_breath. And the contractor may have a better idea what it is. My bet is on radiator fluid. In any case that is a pretty large stain that I think the...
by CABob
Mon May 27, 2019 1:03 pm
Forum: Personal Investments
Topic: Allocation to individual stocks/bonds
Replies: 13
Views: 831

Re: Allocation to individual stocks/bonds

I currently have about 7% in individual stocks. I would like it to be lower such as 0% but potential capital gains tax keeps me procrastinating. A long term holding in GE that I recently sold did bring it down some. :twisted:
by CABob
Sun May 26, 2019 11:35 pm
Forum: Personal Investments
Topic: Help me get into Target Date Funds
Replies: 10
Views: 1194

Re: Help me get into Target Date Funds

You might also consider opening a TR or LS fund in taxable and tax deferred accounts and then direct any dividends from your accounts to those funds.
by CABob
Sat May 18, 2019 1:08 pm
Forum: Personal Investments
Topic: Portfolio Management.
Replies: 4
Views: 504

Re: Portfolio Management.

Mutual fund transactions are done after the close of business for the day so I can't see that it would be better in the last 10 minutes of the day rather than any other time during the day.
by CABob
Sat May 18, 2019 11:38 am
Forum: Personal Consumer Issues
Topic: Instant Coffee?
Replies: 67
Views: 4187

Re: Instant Coffee?

Generally speaking I don't think most coffee drinkers would like instant coffee even under the circumstances you describe. At one time I worked at a place that did not have a lot of drinkers so there was not a department pot that was going all the time. I chose to use Kava instant coffee which I tho...
by CABob
Thu May 16, 2019 11:37 pm
Forum: Personal Investments
Topic: Is a bad idea to own vtsax and qqq?
Replies: 14
Views: 1827

Re: Is a bad idea to own vtsax and qqq?

David Jay wrote:
Thu May 16, 2019 5:38 pm
Can you tell us your goal for owning QQQ? That may help us address your question.

I used to hold QQQ in my pre-Boglehead days...
Do I hear Bob Brinker in the background? :twisted:
by CABob
Thu May 16, 2019 10:46 am
Forum: Investing - Theory, News & General
Topic: How much is the 401K and retirement savings propping up the market?
Replies: 26
Views: 3396

Re: How much is the 401K and retirement savings propping up the market?

You do realize people are paid throughout the month and not the 1st and 15th. Monthly, weekly, bi-weekly, and not always on a Friday . Some are paid on Wednesday’s or Thursday’s. And just because a company issues paychecks on the 15th does not necessarily mean that the 401k money is invested on tha...
by CABob
Sat May 11, 2019 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Quick, Efficient Way to Make a QCD from a Vanguard IRA when 70.5
Replies: 25
Views: 3554

Re: Quick, Efficient Way to Make a QCD from a Vanguard IRA when 70.5

Many thanks to cjonblanchard for pointing out and describing the procedure for requesting a QCD check online. I have used it several times this year and find it fast and easy. The procedure is pretty straightforward except for the first step. Finding the “FORMS” link at the top and using it to start...
by CABob
Fri May 10, 2019 5:27 pm
Forum: Personal Consumer Issues
Topic: Recycling Different Plastics
Replies: 76
Views: 4664

Re: Recycling Different Plastics

Many may have noticed that some retailers (mostly grocery stores) have a recycle bin for plastic bags. I recently received a flyer form my trash company to tell me that these recycles can accept a wide range of bags and wraps including bubble wrap and air pillows, wrap from cases of water/soda, wrap...
by CABob
Fri May 10, 2019 12:53 pm
Forum: Personal Consumer Issues
Topic: Hearing getting bad, which Hearing Aids would you recommend ??
Replies: 36
Views: 2647

Re: Hearing getting bad, which Hearing Aids would you recommend ??

I got some aids from Costco a couple of years ago. At the time I had a number of friends who had used Costco and were satisfied. I wore them for almost 6 months and then returned them because I didn't think they were doing the job I needed. I still had the same problems hearing (and understanding) i...
by CABob
Fri May 10, 2019 12:37 pm
Forum: Personal Consumer Issues
Topic: Recycling Different Plastics
Replies: 76
Views: 4664

Re: Recycling Different Plastics

I try to recycle as much as I can. However, the new slogan in many towns is "When in doubt, Throw it out." Some towns will not accept plastic egg containers and other plastics even though the number in the triangle indicates it should be recycled. Interesting. I am inclined to take the opposite app...
by CABob
Wed May 08, 2019 2:58 pm
Forum: Personal Consumer Issues
Topic: Whole House Surge Protection
Replies: 22
Views: 2323

Re: Whole House Surge Protection

Our power company offers whole house surge protection. They lease it to us. $5 a month. They install it for free. It's an addon to the electrical meter. They pop off the electrical meter, plug this surge protection unit in it's place, and plug the meter back on top of it. Then they handed me a big ...
by CABob
Thu May 02, 2019 11:13 am
Forum: Personal Finance (Not Investing)
Topic: [Does paying a child for chores count as earned income?]
Replies: 17
Views: 1775

Re: [Does paying a child for chores count as earned income?]

My guidance for what is acceptable to me is would I be comfortable in front of an IRS auditor trying to convince him or her that my 5 year old child was an employee being paid a fair wage for what they were doing. For me, I would not be comfortable in that position given the circumstances you descri...
by CABob
Tue Apr 30, 2019 5:18 pm
Forum: Investing - Theory, News & General
Topic: Target Date Funds doing it backwards?
Replies: 44
Views: 5123

Re: Target Date Funds doing it backwards?

Is there a general BH consensus regarding TDF vs LifeStrategy funds for ultimate simplicity? Considering only simplicity I don't think there is a case to be made for either approach other than if I want to hold a fund for say 30 years (from age 40 to 70) I am probably going to want to change my all...
by CABob
Tue Apr 30, 2019 2:50 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2595
Views: 1648313

Re: The Three-Fund Portfolio

I have a question on the three fund strategy for my 401k. My 401k is with Fidelity. In my 401k investment options I do not have access to the Fidelity Total Market Index Funds. However, I have the option to open a Fidelity "Brokerage Link" account that is tied to my 401k which then allows me to inv...