Search found 4700 matches

by CABob
Sun Jun 23, 2019 7:57 pm
Forum: Personal Investments
Topic: Reinvesting Dividends or no
Replies: 33
Views: 2803

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: 3935

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: 1378

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: 3501

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: 4903

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: 607

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: 4903

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: 1871

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: 57
Views: 4585

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: 1125

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: 763

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: 1136

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: 471

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: 3973

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: 1629

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: 3281

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: 3349

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: 63
Views: 3353

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: 2477

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: 63
Views: 3353

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: 2190

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: 1667

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: 4864

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: 2508
Views: 1593941

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...
by CABob
Sun Apr 28, 2019 11:16 am
Forum: Non-US Investing
Topic: Invest at what frequency? [Hong Kong]
Replies: 10
Views: 607

Re: Invest at what frequency?

I think that there is no need to invest any oftener than once a month. I am not convinced that it would be significant in terms of reduced risk.
by CABob
Thu Apr 25, 2019 1:10 pm
Forum: US Chapters
Topic: Morningstar - Bogleheads Unite & Vanguard Funds
Replies: 15
Views: 1457

Re: Morningstar - Bogleheads Unite & Vanguard Funds

Thanks, nisiprius for the historical and accurate summary. I have been around since the beginning of BH and prior to that I followed the M* boards for a couple of years. I followed both forums for a while until I found out if that new upstart BH was really real (it was) but would regularly check out...
by CABob
Wed Apr 24, 2019 11:28 am
Forum: Investing - Theory, News & General
Topic: Boglehead age adjusted asset plan?
Replies: 13
Views: 1452

Re: Boglehead age adjusted asset plan?

Vanguard has a questionnaire which will give you an idea of the allocation which is appropriate at link. In the past I have looked at this questionnaire and others as well as books, articles and papers on the subject. In the end I have gone with what feels good and allows me to sleep at night. A boo...
by CABob
Mon Apr 22, 2019 5:58 pm
Forum: Personal Consumer Issues
Topic: Best pillow under $50?
Replies: 33
Views: 2498

Re: Best pillow under $50?

spitty wrote:
Mon Apr 22, 2019 3:37 pm
Nobody's mentioned the My Pillow from all those TV commercials--anybody tried one? I admire Mike for overcoming 30+ years of addiction to become an upstanding businessman!
I've been using the MyPillow for a couple of years and like it. I think it is at borderline cost of about $50.
by CABob
Sat Apr 20, 2019 12:33 pm
Forum: Personal Consumer Issues
Topic: Getting rid of spam
Replies: 22
Views: 1490

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: 3406

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: 471

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: 3045

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: 3513

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: 3513

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: 1046

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: 6401

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: 1046

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: 1558

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: 1558

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: 2915

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: 6555

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: 1585

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: 1585

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: 372

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: 4902

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: 5302

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: 5302

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: 666

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: 906

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...