Search found 4672 matches

by CABob
Sat Apr 20, 2019 12:33 pm
Forum: Personal Consumer Issues
Topic: Getting rid of spam
Replies: 22
Views: 1329

Getting rid of spam

I have noticed that I seem to be getting more than usual spam in my email inbox so I looked for the "Unsubscribe" link in a couple of them. The link came back requesting my email address. Since I was responding to an email sent to me it would seem to me that they know who wants to unsubscribe. My pa...
by CABob
Fri Apr 12, 2019 3:36 pm
Forum: Personal Investments
Topic: Investing gift from grandma
Replies: 46
Views: 2869

Re: Investing gift from grandma

Unfortunately I don't relate too well to new born or unborn children. I do relate to grandmas much better. Therefor I suggest you stick with individual stocks as she requested. As an Option D suggestion I would offer McDonald's. As a young child I submit that they might be more familiar with the Gol...
by CABob
Wed Apr 10, 2019 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard consolidated statement
Replies: 5
Views: 452

Re: Vanguard consolidated statement

There must be a way since my statement contains my IRA, DW's IRA, and a joint taxable account.
Suggest you call Vanguard.
by CABob
Sat Apr 06, 2019 11:46 am
Forum: Personal Investments
Topic: For those with most retirement savings in tax deferred accounts
Replies: 18
Views: 2999

Re: For those with most retirement savings in tax deferred accounts

I intend to use it primarily to pay the tax on my SS benefits, also starting this year. Should just about cover it, maybe with a little left over for us. So the government giveth and the government taketh away. Okay, I see where the government has taken money from you for your taxes, but I don't se...
by CABob
Wed Apr 03, 2019 10:06 am
Forum: Investing - Theory, News & General
Topic: Reasonable timeframe to 'average in' to index funds?
Replies: 45
Views: 3450

Re: Reasonable timeframe to 'average in' to index funds?

Isn't the real issue with whether an investment is DCA or lump sum is where the money is coming from? If the money is already invested and one is just redeploying a portion it is just that and the lump sum vs. DCA doesn't really apply. If it is significant "new money" coming from bonus, inheritance,...
by CABob
Sat Mar 30, 2019 1:07 pm
Forum: Investing - Theory, News & General
Topic: Reasonable timeframe to 'average in' to index funds?
Replies: 45
Views: 3450

Re: Reasonable timeframe to 'average in' to index funds?

Perhaps the potential emotional impact depends on how large the lump sum is. As a suggestion perhaps if the lump sum represents 10% or less of your total investment I think one could comfortably invest all in a single chunk. If it represents a large percentage of the total I understand the reluctanc...
by CABob
Mon Mar 25, 2019 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block updates? do you wait to file?
Replies: 14
Views: 1018

Re: H&R Block updates? do you wait to file?

I filed my taxes in late February but opened up H&R Block yesterday and installed some updates. The updates did not change anything in my tax return.
by CABob
Sun Mar 24, 2019 10:52 pm
Forum: Personal Consumer Issues
Topic: How to Sell a Wyland Painting on My Bathroom Wall?
Replies: 74
Views: 6273

Re: How to Sell a Wyland Painting on My Bathroom Wall?

With the painting 3.5 feet wide the likelihood is that there are at least 2 and maybe 3 studs behind it.
by CABob
Sun Mar 24, 2019 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block updates? do you wait to file?
Replies: 14
Views: 1018

Re: H&R Block updates? do you wait to file?

If you know that an update is coming soon I suggest you wait for it. OTOH updates at this point are most likely of little importance especially if your return is pretty straight forward. Personally I used H&R Block and filed in late February.
by CABob
Sat Mar 23, 2019 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Pay 1/4 taxes to avoid $75 fee?
Replies: 21
Views: 1533

Re: Pay 1/4 taxes to avoid $75 fee?

How about increasing the withholding on your income? I assume at least one of you is employed.
by CABob
Sat Mar 23, 2019 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Pay 1/4 taxes to avoid $75 fee?
Replies: 21
Views: 1533

Re: Pay 1/4 taxes to avoid $75 fee?

Wakefield1 wrote:
Sat Mar 23, 2019 12:43 pm
related question: I wonder if Vanguard as an IRA custodian can do withholding of tax from distributions or "required minimum distributions" (generating a 1099 form with the withholding amount on it?)
Yes they can. I do it every year from my RMD.
by CABob
Sat Mar 23, 2019 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Close my AT&T Universal Card?
Replies: 43
Views: 2685

Re: Close my AT&T Universal Card?

I just took a look at my AT&T Universal card and noticed that it says I am a "Charter Member". It also seems to be the only card that does not have an embedded chip so merchants must use the magnetic strip.
by CABob
Wed Mar 13, 2019 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Any credit cards that can beat the Citi doublecash?
Replies: 64
Views: 6308

Re: Any credit cards that can beat the Citi doublecash?

Citi Double Cash is my go to card but would also mention Chase Freedom for their rotating 5% categories.
https://creditcards.chase.com/freedom-credit-cards/home
by CABob
Mon Mar 11, 2019 10:23 am
Forum: Personal Investments
Topic: Terminology: "Retirement" funds
Replies: 29
Views: 1540

Re: Terminology: "Retirement" funds

When one has retired, aren't they all retirement funds? :D Being retired myself I do consider my entire portfolio as retirement funds. leaving something to heirs, charity, etc. would be nice and will probably happen but it is not a high priority to me at this point. Similarly, I consider my entire ...
by CABob
Sun Mar 10, 2019 1:19 pm
Forum: Personal Investments
Topic: Terminology: "Retirement" funds
Replies: 29
Views: 1540

Re: Terminology: "Retirement" funds

I frequently have the same problem with posts or discussions. Generally I think one has to ask or determine from context if it is appropriate to understanding or response. Most often I have found that if someone says retirement account they generally mean tax advantaged. For a taxable account they w...
by CABob
Sat Mar 09, 2019 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: DIY Will and Trust?
Replies: 5
Views: 356

Re: DIY Will and Trust?

I think it is too important of an issue to do it yourself.I think you should seek the help of a good estate lawyer, first of all to determine whether you need a trust. Some interesting and informative reading on the subject is Beyond the Grave by Condon.
by CABob
Sat Mar 09, 2019 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: What I wish I had done - 20/20 hindsight
Replies: 28
Views: 4818

Re: What I wish I had done - 20/20 hindsight

One of mine (goes against most Diehards thinking) is that I wish I had purchased and kept a modest whole life policy. "Things" can happen, despite our best efforts, that can deplete our assets and our death can have financial impacts on others (such as funeral/burial expenses). Such a policy would ...
by CABob
Sat Mar 09, 2019 11:08 am
Forum: Personal Consumer Issues
Topic: best cheap printer
Replies: 80
Views: 5174

Re: best cheap printer

I recently got some remanufactured cartridges for my Epson at Inkfarm. I had no problems with their use in my printer but using this type of product does worry me. Why? Most of these devices now are under a hundred bucks now. What I've saved (and I don't print a lot) using 3rd party cartridges woul...
by CABob
Fri Mar 08, 2019 7:56 pm
Forum: Personal Consumer Issues
Topic: best cheap printer
Replies: 80
Views: 5174

Re: best cheap printer

I recently got some remanufactured cartridges for my Epson at Inkfarm. I had no problems with their use in my printer but using this type of product does worry me.
by CABob
Fri Mar 08, 2019 3:31 pm
Forum: Personal Investments
Topic: are 401k/roth 401k withdrawl fees normal even after reaching 59 1/2 years of age?
Replies: 12
Views: 650

Re: are 401k/roth 401k withdrawl fees normal even after reaching 59 1/2 years of age?

Are you still employed?
Most employer plans tend to discourage any withdrawal while still employed with the company and that is probably a good idea. Many companies do not allow withdrawals while employed.
by CABob
Sun Mar 03, 2019 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Looking to switch my banking. Any suggestions?
Replies: 10
Views: 877

Re: Looking to switch my banking. Any suggestions?

A mobile app Mobile Check Deposit Mediocre Rates I prefer to have as least one local brick and mortar bank and I have found almost all have the first two attributes. If that is not important then all of the online banks would be more than satisfactory. For the best rates you would have to shop arou...
by CABob
Thu Feb 28, 2019 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Quick, Efficient Way to Make a QCD from a Vanguard IRA when 70.5
Replies: 20
Views: 2815

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

Within your Vanguard account, click on the "FORMS" tab at the top of the screen - Look for the "Buy or Sell" heading and click "View all" - Scroll down and look for "Take a Qualified Charitable Distribution from IRA" ... click on the "Complete Online" box Thanks. I forgot how to do this from last y...
by CABob
Sun Feb 24, 2019 11:35 am
Forum: Personal Finance (Not Investing)
Topic: IRS "tax refund" for $53 - but we haven't filed yet
Replies: 58
Views: 6152

Re: IRS "tax refund" for $53 - but we haven't filed yet

However, the Fraud team REALLY doesn't like "unauthorized activity" on an account, even if it is a deposit. They offered me two options - either (a) get a new account number, or (b) keep the current account number, which would be under "heightened scrutiny" for the next 30 days. That is, they would...
by CABob
Sun Feb 24, 2019 12:19 am
Forum: Personal Finance (Not Investing)
Topic: Close my AT&T Universal Card?
Replies: 43
Views: 2685

Re: Close my AT&T Universal Card?

flah wrote:
Sun Feb 24, 2019 12:00 am
mschurner wrote:
Sat Feb 23, 2019 11:51 pm
Just call the citi customer service and do product change to Citi Double Cash card.
I tried to do this a few months ago, but Citi would not allow it because the Universal card is a branded card.
Do you mean that the AT&T designation makes it a branded card?
by CABob
Tue Feb 19, 2019 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Fast turnaround on Federal Tax
Replies: 40
Views: 3658

Re: Fast turnaround on Federal Tax

joe8d wrote:
Wed Feb 13, 2019 8:49 pm
True Bogleheads do not get Tax Refunds.
I don't disagree but it is preferable to an underpayment penalty and I don't spend a lot of time determining what my withholding should be.
by CABob
Tue Feb 19, 2019 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Different results using TaxAct vs. TurboTax?
Replies: 7
Views: 845

Re: Different results using TaxAct vs. TurboTax?

wilked wrote:
Tue Feb 19, 2019 11:12 am
compare the 1040s and attached sheets, find the specific differences, and then determine which you think is correct
+1 and if you find an entry that is different it may narrow down where the problem is.
by CABob
Fri Feb 15, 2019 7:04 pm
Forum: Investing - Theory, News & General
Topic: Did you get spooked by the December 2018 fall and gave up on passive?
Replies: 133
Views: 7524

Re: Did you get spooked by the December 2018 fall and gave up on passive?

No I didn't make any changes, but I find it interesting that cash was the top performing segment for the year.
Callan Table
by CABob
Fri Feb 15, 2019 6:54 pm
Forum: Investing - Theory, News & General
Topic: The WORST Morningstar Style Category In 2018
Replies: 34
Views: 2892

Re: The WORST Morningstar Style Category In 2018

Which reminds me that about this time I try to check the Callan Periodic Table to see if it has been updated with last years numbers.
It has.
by CABob
Fri Feb 15, 2019 3:44 pm
Forum: Personal Consumer Issues
Topic: send in driver's license photo for new Capital One credit card
Replies: 42
Views: 3243

Re: send in driver's license photo for new Capital One credit card

If Capital One indicated that this was a security measure that would benefit me I might consider it but it appears that the benefit is all on their side I think I would pass.
by CABob
Fri Feb 08, 2019 2:43 pm
Forum: Personal Investments
Topic: Is anyone using TIAA Brokerage service to access Vanguard funds?
Replies: 3
Views: 231

Re: Is anyone using TIAA Brokerage service to access Vanguard funds?

What are the transaction charges for buying the Vanguard funds? What if you bought ETFs?
I have a personal preference for buying VG funds at VG.
by CABob
Fri Feb 08, 2019 2:07 pm
Forum: Personal Investments
Topic: Is the VPAS Service worth the 0.30%?
Replies: 32
Views: 2344

Re: Is the VPAS Service worth the 0.30%?

It's not worth it to me. Then again, I wouldn't use it if it were free, so keep that in mind. Interesting response. I am inclined to think along similar lines, but I have a question, Don't you occasionally want a second (or third) opinion on something or a safety check on your portfolio or an aspec...
by CABob
Thu Feb 07, 2019 9:03 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2482
Views: 1553238

Re: The Three-Fund Portfolio

By having separate domestic and international equity funds one can control the ratio between the two rather than accept someone else's opinion. This may or may not be a perceived advantage to an individual.
by CABob
Thu Feb 07, 2019 11:57 am
Forum: Personal Investments
Topic: Custodian for parents retirement money, please help me invest.
Replies: 21
Views: 615

Re: Custodian for parents retirement money, please help me invest.

My parents will be sending me approximately $400,000 over the next couple of years to act as custodians for their retirement money. This money is theirs, until they pass away. Afterwards, it will be inherited by my kids. I'm just wondering, is the provision for inheritance by your children controll...
by CABob
Mon Feb 04, 2019 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: No longer can cash Savings bonds in bank branches?
Replies: 21
Views: 1841

Re: No longer can cash Savings bonds in bank branches?

I cashed some about a year ago at my local bank. They had to take the information, fill out some form, and send it along with the bonds to their central office. The deposit to my account occurred a few days later. I get the impression that they would prefer not to provide this service so I may look ...
by CABob
Sat Feb 02, 2019 1:52 pm
Forum: Personal Consumer Issues
Topic: Birth parent's estate?
Replies: 12
Views: 1010

Re: Birth parent's estate?

If biological father had a will the estate would be distributed in accordance with the provisions of the will. If there was no will you might have a claim against the estate.
by CABob
Thu Jan 31, 2019 7:53 pm
Forum: Forum Issues and Administration
Topic: Welcome to the new forum layout
Replies: 54
Views: 6728

Re: Welcome to the new forum layout

Is my observation and assumption correct that this new layout does not change the bogleheads.org view? Non US posts, topics, etc. are not distinguished?
by CABob
Wed Jan 30, 2019 1:44 pm
Forum: Personal Consumer Issues
Topic: Gift giving: gift receipts / returns
Replies: 25
Views: 1301

Re: Gift giving: gift receipts / returns

Given the background you suggest I would lean toward you returning the gift and get something else perhaps even a gift certificate at that store or another.
by CABob
Sun Jan 27, 2019 2:10 pm
Forum: Personal Investments
Topic: Should I dump our wealth planner/financial advisor?
Replies: 49
Views: 5130

Re: Should I dump our wealth planner/financial advisor?

ljgs wrote:
Sun Jan 27, 2019 1:38 pm
I appreciate the concern. I spoke to my advisor a week ago and informed him we would be moving on. He did offer a 20% discount on fees but I declined.
Did you ask why the discount was not offered earlier in the previous 20 years? :annoyed
by CABob
Sun Jan 27, 2019 12:23 pm
Forum: Investing - Theory, News & General
Topic: What was your first Vanguard fund or ETF?
Replies: 72
Views: 2891

Re: What was your first Vanguard fund or ETF?

Total Stock Market in about 1998 at the recommendation of Bob Brinker on his radio show.
:D
by CABob
Sat Jan 26, 2019 4:31 pm
Forum: Personal Investments
Topic: I Dont' Trust Myself [Expecting large windfall]
Replies: 16
Views: 1525

Re: I Dont' Trust Myself [Expecting large windfall]

dknightd wrote:
Sat Jan 26, 2019 3:50 pm

Just let it sit in a bank Until you figure out what to do
But don't forget about limits to FDIC insurance. ($250K)
by CABob
Sat Jan 26, 2019 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Appropriate age to communicate your will/wishes to your kids
Replies: 57
Views: 4161

Re: Appropriate age to communicate your will/wishes to your kids

Very interesting conversation which has given me some considerations. Our children are 50-ish and we have not had the discussion with them although they know we have wills and a trust. I don't believe they know the approximate size of our potential estate, but based on another family issue which cam...
by CABob
Wed Jan 16, 2019 12:21 am
Forum: Personal Consumer Issues
Topic: Gillette Mach 3 alternatives
Replies: 81
Views: 6846

Re: Gillette Mach 3 alternatives

Utvolfan1 wrote:
Tue Jan 15, 2019 8:40 pm
Anybody try Costco’s razors?
I have used primarily Gillette products for years (Does anyone remember Gillette Blue Blades) but recently tried the Costco competition and like it.
https://www.costco.com/Kirkland-Signatu ... 16058.html
by CABob
Mon Jan 14, 2019 2:06 pm
Forum: Personal Investments
Topic: One book for my neice, a young mom.
Replies: 20
Views: 1285

Re: One book for my neice, a young mom.

A personal favorite of mine is Personal Finance for Dummies by Eric Tyson.
by CABob
Sun Jan 13, 2019 11:20 pm
Forum: Personal Investments
Topic: What does it mean that Vanguard's PAS will default to using use the MinTax cost basis method?
Replies: 11
Views: 1167

Re: What does it mean that Vanguard's PAS will default to using use the MinTax cost basis method?

Your example brings up the question of how is min tax method calculated by Vanguard if Vanguard doesn't know your tax situation or other potential gains or losses that you have outside of Vanguard. I would assume that Vanguard looks at the tax implications of the transaction alone without any other...
by CABob
Sun Jan 13, 2019 2:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Asset Mix Chart [Vanguard website shows incorrect asset allocation]
Replies: 16
Views: 1195

Re: Vanguard Asset Mix Chart

Well, if this is a contest to see who has the largest uncategorized category I have 57.1%. :annoyed What category is missing? Broken Man 1999 I don't think any category is missing but both stocks and bonds are understated. 27.1% Stocks 5.5% Bonds 10.3% Short-term reserves 57.1% Uncategorized
by CABob
Sun Jan 13, 2019 1:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Asset Mix Chart [Vanguard website shows incorrect asset allocation]
Replies: 16
Views: 1195

Re: Vanguard Asset Mix Chart

Well, if this is a contest to see who has the largest uncategorized category I have 57.1%. :annoyed
by CABob
Fri Jan 11, 2019 3:58 pm
Forum: Personal Investments
Topic: Biggest Investment Mistake
Replies: 164
Views: 11826

Re: Biggest Investment Mistake

I'm sure there were a number of mistakes in my early working/accumulating years, but for the most of them I now consider it tuition on my investing education. My biggest mistake has to do with Roth IRAs. They came along late in my accumulating years and I thought I didn't have enough investing years...
by CABob
Mon Jan 07, 2019 11:50 pm
Forum: Personal Investments
Topic: Need advice for further investments
Replies: 19
Views: 1353

Re: Need advice for further investments

I suggest a taxable account and buy broad based index funds such as the total stock market. They are fairly tax efficient. You will be paying tax on dividends but the tax on capital gains are delayed until you sell.
by CABob
Mon Jan 07, 2019 12:47 am
Forum: Personal Finance (Not Investing)
Topic: Is it appropriate to take deduction for donating items belonging to deceased?
Replies: 8
Views: 1027

Re: Is it appropriate to take deduction for donating items belonging to deceased?

No tax expert here, but since you do not have a cost basis for the items I didn't think you could deduct them.
Please correct me if I am not correct.

Edit: Thanks for the correction below to tell me I should have stuck with my first comment "No tax expert".