Search found 4596 matches

by CABob
Tue Dec 11, 2018 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Motley Fools is now for fools only?.....RIP
Replies: 26
Views: 5457

Re: Motley Fools is now for fools only?.....RIP

I have followed the Fools for many years going back to their AOL days. By "followed" I mean read some of the articles and message boards. I have not subscribed to any of their premium services. They have changed their business model over the years and in my opinion it has become less useful, but som...
by CABob
Sun Dec 09, 2018 8:18 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2340
Views: 1469452

Re: The Three-Fund Portfolio

In other words, when I retire in April, should I immediately move my 401k funds over the three Vanguard funds you suggest (50%/50% at age 63.5) no matter what I hear or read about economic predictions about corrections, recessions, or whatever? It is difficult to improve upon Taylor's response, but...
by CABob
Tue Dec 04, 2018 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: RMD after switching from INV to ADM shares
Replies: 5
Views: 424

Re: RMD after switching from INV to ADM shares

Did you learn anything from your 30 minute VG conversation that would help the situation or prevent if from happening again or someone else? I agree with sport that the RMD is based on the prior years ending balance and the IRA in total not individual funds so I'm not sure what might have happened f...
by CABob
Sun Dec 02, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Quick, Efficient Way to Make a QCD from a Vanguard IRA when 70.5
Replies: 9
Views: 1858

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

When doing this on Vanguard's site, do you provide an ABA routing number etc for the charity, or just an official mailing address for the charity? Neither one. The check will be made payable to the charity but will be mailed to you. You must then see that the charity gets it. Edit: I just read the ...
by CABob
Sun Dec 02, 2018 1:24 pm
Forum: Investing - Theory, News & General
Topic: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)
Replies: 45
Views: 7194

Re: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)

Rob54keep wrote:
Sun Dec 02, 2018 11:41 am
Gotta ya. Interesting but somewhat confusing rules. I would think charities would begin making this a more streamline process.
I'm not sure what the charities could or should do to streamline the process. It is mostly IRS regs that are driving the process.
by CABob
Sat Dec 01, 2018 11:33 pm
Forum: Investing - Help with Personal Investments
Topic: How to track my portfolio performance
Replies: 7
Views: 1046

Re: How to track my portfolio performance

Have you seen Madsinger's regular posts tracking performance of a number of portfolios?
Reports
by CABob
Sun Nov 25, 2018 12:14 pm
Forum: Investing - Theory, News & General
Topic: "Stay The Course" by John Bogle
Replies: 32
Views: 5826

Re: "Stay The Course" by John Bogle

wm631 wrote:
Sat Nov 24, 2018 6:24 pm
$34.95? :moneybag As a Kindle ebook?? Seriously? Did Jack hand-print these himself?
The hardcover is less expensive than the Kindle? :confused Color me confused.
by CABob
Wed Nov 21, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Question about qualified charitable distribution (QCD)
Replies: 11
Views: 562

Re: Question about qualified charitable distribution (QCD)

As long as no more than the RMD is taken does it really matter if QCDs are first, last, or in the middle? No, it does not matter. The first withdrawals from the account(s) are the RMD, until the RMD is satisfied. QCDs can be any part of the RMD. In fact, you can even make QCDs after the RMD is comp...
by CABob
Tue Nov 20, 2018 12:12 am
Forum: Investing - Help with Personal Investments
Topic: Market Timing? - Transferring funds to 3 fund portfolio and rebalancing to lower asset allocation at same time
Replies: 11
Views: 1013

Re: Market Timing? - Transferring funds to 3 fund portfolio and rebalancing to lower asset allocation at same time

If I lower the AA when I transfer our funds to the new 3-fund portfolio, am I locking in losses, or am I market timing if I wait for the market to rebound? I don't think you are necessarily doing either one. You are doing what you intended -- changing your investing plan and re-allocating your inve...
by CABob
Wed Nov 14, 2018 12:08 am
Forum: Personal Finance (Not Investing)
Topic: Amazon says TurboTax 2018 will be released November 12
Replies: 85
Views: 9873

Re: Amazon says TurboTax 2018 will be released November 12

marcopolo wrote:
Thu Nov 08, 2018 9:52 am
Queue the thread about free copy from Fidelity :happy
Cue the thread about how Vanguard used to offer TT free or at a significant discount.
:annoyed
by CABob
Tue Nov 13, 2018 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Would you invest CC cashback into market??
Replies: 32
Views: 1589

Re: Would you invest CC cashback into market??

I pay each month full. So no balance left to pay normally. Not exactly correct. If you apply the cashback to the statement balance your next statement will be that much lower. I usually let my cashback grow until it seems appropriate to use it then apply it to an account balance. The gift cards at ...
by CABob
Tue Nov 06, 2018 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 257
Views: 18303

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

I have received two emails offering this software for $34.95 but none offering $29.95. I also used H&R Block for the past two years. I feel left out but may take advantage of the $34.95 offer.
by CABob
Tue Nov 06, 2018 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 15019

Re: How much money are you leaving your kids after you die?

Plan A has always been to spend every dollar and bounce the check that goes to the undertaker. At this point however it is most likely that there will be some left over at that time and our intent is to leave it to our two adult children. We have not specifically talked about it to children but I th...
by CABob
Tue Nov 06, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: Tips on alleviating caffeine withdrawal symptoms?
Replies: 18
Views: 1247

Re: Tips on alleviating caffeine withdrawal symptoms?

I discovered almost by accident that I had a caffeine dependency problem a number of years ago. I used to drink a lot of coffee both at home and at work. DW was advised that she should cut out caffeine so at home we drank decaf coffee but of course I was still getting my “fix” at work 5 days a week....
by CABob
Sat Nov 03, 2018 2:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18453

Re: Vanguard website "unavailable during weekend of Nov 3"

Wow! This is almost as exciting and worrisome as when Bogleheads goes down for maintenance.
by CABob
Fri Nov 02, 2018 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Dollar Cost Averaging at age 70+?
Replies: 5
Views: 508

Re: Dollar Cost Averaging at age 70+?

Gerbil wrote:
Fri Nov 02, 2018 2:16 pm
CABob - The funds for DCA would be coming from current income.
So it has nothing to do with RMD?
If that is the case it sounds as if you are making a significant change to your asset allocation and if so DCA might be reasonable but it gets back to the usual discussions of lump sum vs. DCA.
by CABob
Fri Nov 02, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Dollar Cost Averaging at age 70+?
Replies: 5
Views: 508

Re: Dollar Cost Averaging at age 70+?

Since the money is presumably currently invested in the tax deferred account and you wish to reinvest into a taxable investment it becomes a sideways move and I see no reason to dollar cost average.
by CABob
Tue Oct 30, 2018 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Tax accounts question
Replies: 7
Views: 321

Re: Tax accounts question

It sounds as if the money was in a tax deferred account before and in a tax deferred account now so nothing has changed from a tax standpoint. I'm not specifically familiar with Fido's account structure and I don't understand what you are referring to as an investment account, but I would assume you...
by CABob
Mon Oct 29, 2018 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: What’s less bad? Vanguard ETF w/ $50 trade fees vs. mutual fund w/ 1.5% ER
Replies: 21
Views: 1331

Re: What’s less bad? Vanguard ETF w/ $50 trade fees vs. mutual fund w/ 1.5% ER

I could pick a Vanguard ETF with a low expense ratio but a $50 commission per trade. (The rep suggested saving up my contributions and buying every 3 months to cut down on fees.) Or I could get a mutual fund with no commission but high expense ratios (1.5%+) and 1% deferred loads. Is there anything...
by CABob
Sun Oct 28, 2018 5:41 pm
Forum: Personal Consumer Issues
Topic: Need a Pocket Watch
Replies: 40
Views: 2745

Re: Need a Pocket Watch

https://www.amazon.com/s?k=pocket+watches+for+men&crid=2G9F847MW0RVC&sprefix=pocket+watch%2Caps%2C583&ref=nb_sb_ss_i_4_12 I am surprised to see how many pocket watches are carried by Amazon. The majority of them seem to have the hinged cover over the watch face. Seems like a good idea if one is thin...
by CABob
Fri Oct 26, 2018 2:33 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman 2 Funds for Life
Replies: 41
Views: 7321

Re: Paul Merriman 2 Funds for Life

spdoublebass wrote:
Thu Oct 25, 2018 10:49 pm
He came out with a 2 Fund portfolio.

https://paulmerriman.com/2-funds-for-life/

Basically it's 1.5 X your age in a TDF, and the remaining in SCV.
How do I invest 115 % in a TDF? :confused
I didn't listen to the podcast so I assume my answer is there. :oops:
by CABob
Fri Oct 19, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 131
Views: 8618

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: 303

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: 2788

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: 3225

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: 3225

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: 3225

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: 1079

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: 11400

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: 1305

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: 11400

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: 50
Views: 3472

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: 423

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: 423

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: 11443

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: 1667

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: 2945

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: 4825

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: 2207

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: 3210

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: 715

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: 4344

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: 759

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: 4097

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: 7913

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: 591

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: 2600

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: 514

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: 1344

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: 473

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...