Search found 4561 matches

by CABob
Tue Sep 18, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: Inexpensive source for greeting cards?
Replies: 27
Views: 1466

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: 2666

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: 4540

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: 2033

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: 3017

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: 670

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: 4145

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: 697

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: 3910

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: 7590

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: 542

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: 2492

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: 483

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: 1277

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: 455

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: 416

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: 951

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: 1075

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: 13607

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: 3940

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: 582

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: 5423

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: 5423

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: 2374

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: 2374

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: 2374

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: 17796

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: 17796

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: 17796

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: 1534

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: 1988

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: 1988

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: 1988

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: 4412

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: 1988

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: 38190

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.
by CABob
Wed Jul 04, 2018 12:22 pm
Forum: Investing - Theory, News & General
Topic: If you tilt toward Small Cap Value, how much do you tilt?
Replies: 38
Views: 2872

Re: If you tilt toward Small Cap Value, how much do you tilt?

At one time I tilted toward SCV and REIT with about 5% each. I eventually decided that that much tilt wasn't worth the hassle and dropped the tilts.
by CABob
Sun Jul 01, 2018 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: STAR Funds
Replies: 10
Views: 1269

Re: STAR Funds

The STAR fund used to be recommended on this forum regularly. It was and is a good fund for a beginner without a lot of money to invest since it has a $1000 minimum. At the time all of the other Vanguard funds had higher minimums. Now all of the Target Retirement funds have $1000 minimums and they h...
by CABob
Sun Jul 01, 2018 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Required minimum distributions from IRA
Replies: 18
Views: 1566

Re: Required minimum distributions from IRA

I would guess that most reputable institutions would send out some reminder about RMD but not sure you can depend on it. The IRA account holder is the one responsible to take the RMD. As far as withholding taxes i think that is definitely the account holder's responsibility.
by CABob
Sun Jul 01, 2018 10:02 am
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 207
Views: 34775

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

FBN2014 wrote:
Sun Jul 01, 2018 9:36 am
Does it go beyond the discussions available on this forum?
Not much can go beyond the discussions on this forum. :P
by CABob
Sat Jun 30, 2018 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Adding a trust to your homeowner's policy
Replies: 56
Views: 3940

Re: Adding a trust to your homeowner's policy

After I see the attorney, I will post an update on what she says. I imagine it will take a week or two to get an appointment. I will look forward to your additional comments since this was a new one to me but I think it also applies to me. Ref a few posts back, when I said policies plural, I meant ...
by CABob
Fri Jun 29, 2018 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice: starting a long term mutual fund account
Replies: 4
Views: 327

Re: Need advice: starting a long term mutual fund account

I think the responses you received in your posting on the 3-fund portfolio thread apply here.
viewtopic.php?f=10&t=88005&p=3996067#p3996067
by CABob
Fri Jun 29, 2018 1:07 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2248
Views: 1421767

Re: The Three-Fund Portfolio

Hi, I am a newbie. Just want to know if this 3-fund portfolio still applies in today's market in general? I also want to know when is the best time purchased these funds? With the market high, should i wait till the market goes down first before purchasing these mutual funds? It certainly applies a...
by CABob
Mon Jun 25, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Recommendations for ice machine
Replies: 22
Views: 1950

Re: Recommendations for ice machine

I'm wondering if you use more ice than the ice maker makes or use more than can be stored. One of the units I looked at made 26 lbs. a day but would store only 1.5 lbs. Perhaps going back to plastic bags with your current in-refrigerator ice maker would solve the problem.
by CABob
Mon Jun 25, 2018 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: VTI -> VTSAX
Replies: 15
Views: 1705

Re: VTI -> VTSAX

Why did you buy the ETF in the first place rather than the mutual fund? Does that reason still exist?
by CABob
Mon Jun 25, 2018 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Niece & Vanguard as co-trustees
Replies: 13
Views: 1084

Re: Niece & Vanguard as co-trustees

Just wondering, will the niece and Vanguard be comfortable with this arrangement? And will it operate efficiently? I can envision some potential conflicts.
by CABob
Sun Jun 24, 2018 2:40 pm
Forum: Investing - Theory, News & General
Topic: If I had a large enough sum to move the entire market significantly in a few days, which stocks would move the most?
Replies: 2
Views: 507

Re: If I had a large enough sum to move the entire market significantly in a few days, which stocks would move the most?

If a sum of money is contributed to an index it would be apportioned to the stocks within the index in a manner reflecting the current apportion of stocks. It seems to me that this would not significantly change the weight of any stock within the index and would not significantly change the price of...
by CABob
Sat Jun 23, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: 3 nights in Vegas
Replies: 49
Views: 3629

Re: 3 nights in Vegas

Atilla wrote:
Thu Jun 21, 2018 3:56 pm
Luxor is a dump, so is the Flamingo.
Hey, I have a lot of fond memories of the Flamingo. Spent my honeymoon there. Of course that was 50+ years ago. :oops:
There have been a lot of changes over the years and many of them not for the good.