Search found 4573 matches

by CABob
Wed Jan 31, 2018 1:12 pm
Forum: Forum Issues and Administration
Topic: Is there a limit to the length of a post? Can stressful family financial conflict be mentioned?
Replies: 15
Views: 3487

Re: Is there a limit to the length of a post? Can stressful family financial conflict be mentioned?

And keep in mind the prohibited items such as medical advice, politics, items that are not actionable.
by CABob
Tue Jan 30, 2018 12:02 pm
Forum: Investing - Theory, News & General
Topic: The Vanderbilts
Replies: 26
Views: 4516

The Vanderbilts

An interesting article on how the Vanderbilt family did not keep their family fortune.
https://ofdollarsanddata.com/the-best-w ... 79b4085217
by CABob
Sun Jan 28, 2018 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Trust account at Vanguard with 2 trustees with separate logins
Replies: 16
Views: 1617

Re: Trust account at Vanguard with 2 trustees with separate logins

Our lawyer suggests it be put into the trust account as "<name of trust>, DH's separate property". Hopefully the lawyers and trust experts will be along shortly, but this doesn't sound correct. If you want to have the inheritance as DH property rather than joint property it doesn't sound logical to...
by CABob
Mon Jan 22, 2018 5:30 pm
Forum: Personal Consumer Issues
Topic: How much $ worth of things have you discarded without using?
Replies: 25
Views: 2674

Re: How much $ worth of things have you discarded without using?

There were a few things mostly in the clothes or tools area that that I have bought and did not use, but I don't think they would add up to much $. On the other had I have received gifts that I never used. How do you tell someone to just forget me when it is gift giving time. If I want is badly and ...
by CABob
Mon Jan 22, 2018 11:52 am
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 131
Views: 33900

Re: Vanguard opens special offices for $1 million clients

It is interesting that this year old conversation was revived. I am wondering if anyone has heard, seen, or experienced any changes or actions with regard to the "special offices"? It seems to me that perhaps some of the perks for the million dollar clients have in fact been deleted such as the ded...
by CABob
Mon Jan 22, 2018 12:54 am
Forum: Personal Consumer Issues
Topic: Collecting Old Currency... Best place to get? Online? Bank
Replies: 7
Views: 610

Re: Collecting Old Currency... Best place to get? Online? Bank

MortgageOnBlack wrote:
Sun Jan 21, 2018 11:39 pm
Edited: selling for $125-$160 (25-60 profit)
Thanks for the edit. It now makes more sense.
by CABob
Sun Jan 21, 2018 11:35 pm
Forum: Personal Consumer Issues
Topic: Collecting Old Currency... Best place to get? Online? Bank
Replies: 7
Views: 610

Re: Collecting Old Currency... Best place to get? Online? Bank

I'm not sure what you are seeing and am certainly not knowledgeable on the subject but it seems to me that if it is legal tender your aren't going to find anyone to sell it for $20-$60. If they are only collectors item then I don't think any bank will have them but instead will take them out of circ...
by CABob
Sun Jan 21, 2018 12:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 131
Views: 33900

Re: Vanguard opens special offices for $1 million clients

It is interesting that this year old conversation was revived. I am wondering if anyone has heard, seen, or experienced any changes or actions with regard to the "special offices"? It seems to me that perhaps some of the perks for the million dollar clients have in fact been deleted such as the dedi...
by CABob
Wed Jan 17, 2018 2:27 pm
Forum: Investing - Theory, News & General
Topic: Nostalgic about old online brokerages that no longer exist
Replies: 43
Views: 5667

Re: Nostalgic about old online brokerages that no longer exist

Nothing too nostalgic with me. If my memory is correct I went from Lombard to Discover Brokerage then closed the account. I opened a Scottrade account and transferred some securities from Smith Barney into it and now it looks like I am with TDA although no change for me yet. There is a similar and p...
by CABob
Sat Jan 13, 2018 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisory Services Fees
Replies: 49
Views: 5099

Re: Vanguard Personal Advisory Services Fees

Is there any move afoot in Vanguard to reassess these fees? Any suggestions what I should do? Thank you. I doubt that than Vanguard will make a major change to fees in the near future. As time passes they will probably reevaluate and there may be some minor changes (but what do I know?) I am retire...
by CABob
Fri Jan 12, 2018 11:48 pm
Forum: Investing - Theory, News & General
Topic: what investments are only for accredited investors?
Replies: 3
Views: 722

Re: what investments are only for accredited investors?

Fund fact, anyone can qualify for accredited investor status, since you generally only self-certify that your net worth & income meet the criteria. Since the people "selling" products to accredited investors generally earn commissions or fees on such sales, their levels of due diligence on the fina...
by CABob
Thu Jan 11, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: wild bird feed
Replies: 43
Views: 2384

Re: wild bird feed

I suggest you visit a local shop specializing in feeding birds such as Wild Birds Unlimited to get their suggestions and advice. I would think they would be helpful. Also the Audubon Society.
by CABob
Thu Jan 11, 2018 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Basic (Dumb) Vanguard Question
Replies: 17
Views: 1469

Re: Basic (Dumb) Vanguard Question

The three funds suggested I find interesting and I am wondering if the OP misunderstood. I think any one of the three would be a good possibility for an investment but not all three in any proportion. The target date fund is the only one that you could buy with a $1000 investment. The others have hi...
by CABob
Thu Jan 11, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Yet another Retiree Emergency Fund Question - Income floor vs EF?
Replies: 13
Views: 951

Re: Yet another Retiree Emergency Fund Question - Income floor vs EF?

I'm in the "Zero" column. No need for an emergency fund after 59.5 Since I am over 59.5 I suspect that I am in agreement with David Jay however I would state it as, "My entire portfolio is an emergency fund." Depending upon the nature of the emergency and how critical it is I might use any part of ...
by CABob
Thu Jan 11, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Wills and Trusts - what are you doing for the "immediate family all gone" scenario?
Replies: 8
Views: 745

Re: Wills and Trusts - what are you doing for the "immediate family all gone" scenario?

As you rightly indicated this would be a very unlikely event. Personally, I think I would be inclined to let the state and courts take care of it should it happen. In other words, ignore it for now.
by CABob
Sun Jan 07, 2018 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable Account at TD to Vanguard
Replies: 4
Views: 453

Re: Taxable Account at TD to Vanguard

I believe that most of your transactions will be commission free when they get into Vanguard accounts so I would think you would want to move them in-kind to Vanguard then make the portfolio changes. There may be a transaction fee to sell the DFA funds. You should probably check to see what the acco...
by CABob
Sat Jan 06, 2018 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Downsizing to one car in retirement...
Replies: 68
Views: 4934

Re: Downsizing to one car in retirement...

We've been retired for about 15 years and are still a two vehicle couple. I bought a new truck about 7 years ago. I must admit that it is not often that both vehicles are in use at the same time, but those few times would make it inconvenient to get by on one car. On the other hand I now have a 7 ye...
by CABob
Sat Jan 06, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: portable chargers for electronic devices
Replies: 35
Views: 2327

Re: portable chargers for electronic devices

There is also the hand cranked generators often with a radio and flashlight. This would be an awful lot of cranking for all of the devices you mentioned however.
by CABob
Thu Jan 04, 2018 4:16 pm
Forum: Investing - Theory, News & General
Topic: Why Edward Jones?
Replies: 92
Views: 17220

Why Edward Jones?

There seems to be a large number of post on this forum that go something like, “I’ve had an account with Full Service Broker for some time and realize that I might save some money buy going to another broker such as Fidguard.” The post generally goes on about the number of funds (or stocks), the exp...
by CABob
Tue Jan 02, 2018 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing 401k in January?
Replies: 11
Views: 1456

Re: Maxing 401k in January?

If there is no company match to be concerned about, or if the company will do a full true-up match contribution at the end of the year, then go for it. Be cautious, however, with how and when the company does its true-up. Many of those I have heard about doesn't do its true-up until March or April ...
by CABob
Tue Jan 02, 2018 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing 401k in January?
Replies: 11
Views: 1456

Re: Maxing 401k in January?

Probably no problem in doing this as long as you understand your employer's matching procedure and you make sure you are not losing out or excessive delays on any of the matching funds.
by CABob
Sat Dec 30, 2017 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Using Vanguard’s advisors
Replies: 72
Views: 9525

Re: Using Vanguard’s advisors

fear/greed wrote:
Sat Dec 30, 2017 8:30 pm
They check the account four times a year and rebalance if the asset allocation is more than 5% off, and they lock in the asset allocation so that it's difficult to change (perhaps as a deterrent to selling in fear in a market collapse).
How do they do that?
by CABob
Fri Dec 29, 2017 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: LifeStrategy Income Fund - Only 20% stocks?
Replies: 20
Views: 2553

Re: LifeStrategy Income Fund - Only 20% stocks?

Not responsive to your question, but I find it interesting that the VG LS Income fund is 20/80 while the TR Income fund is 30/70. Can someone explain this apparent discrepancy on the part of the VG decision makers? Not sure. However, if the VG LS fund was 30/70 or the TR Income Fund was 20/80, you ...
by CABob
Fri Dec 29, 2017 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Using Vanguard’s advisors
Replies: 72
Views: 9525

Re: Using Vanguard’s advisors

Any thoughts or recommendations. Thinking about moving funds to a trust account and also getting advice about T-IRA conversions to Roth IRA’S. Have you had good experience with Vanguard’s advisors ? If you are considering whether to set up a trust I don't think the VG would be the ones to advise. I...
by CABob
Fri Dec 29, 2017 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: LifeStrategy Income Fund - Only 20% stocks?
Replies: 20
Views: 2553

Re: LifeStrategy Income Fund - Only 20% stocks?

Not responsive to your question, but I find it interesting that the VG LS Income fund is 20/80 while the TR Income fund is 30/70. Can someone explain this apparent discrepancy on the part of the VG decision makers?
by CABob
Thu Dec 28, 2017 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Sell some taxable to contribute to traditional IRA?
Replies: 8
Views: 871

Re: Sell some taxable to contribute to traditional IRA?

Will you have a capital gain or loss in the taxable account you would be selling?
This might be the deciding factor to me.
by CABob
Wed Dec 27, 2017 11:24 pm
Forum: Investing - Help with Personal Investments
Topic: Bogle's Book Comparisons
Replies: 3
Views: 545

Re: Bogle's Book Comparisons

I believe that both books have been reviewed at books along with a number of other books. Suggest you read some of the reviews for an educated basis of choice.
by CABob
Wed Dec 27, 2017 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Invest in Target fund or 3 fund portfolio?
Replies: 14
Views: 1947

Re: Invest in Target fund or 3 fund portfolio?

The advantage to the target fund is simplicity. You don't have to worry about re-balancing and the time it takes to accomplish it. The advantages of the 3 fund are perhaps lower expense ratios and a more precise control over asset allocation. I am not that familiar with Schwab but at Vanguard you ca...
by CABob
Wed Dec 27, 2017 12:10 pm
Forum: Investing - Theory, News & General
Topic: Do any of you follow Bob Brinker?
Replies: 65
Views: 11800

Re: Do any of you follow Bob Brinker?

I followed his radio show for many years although not so much in recent years. I even subscribed to his newsletter for a couple of years but did not follow his recommendations. I think the title of his newsletter, Market-timer, is a bit misleading since it appeared to me that his portfolio changes w...
by CABob
Wed Dec 20, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 104
Views: 13554

Re: Any Instant Pot users here?

I see that a number of posters have mentioned using the instant pot for hard boiled eggs. I have been using an egg cooker similar to this one an like it very well. It also makes soft boiled eggs and the eggs seem to peel very easily and am wondering how the instant pot compares. Do you have to pierc...
by CABob
Mon Dec 18, 2017 8:53 pm
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 104
Views: 13554

Re: Any Instant Pot users here?

Is there something special about newspaper such that other paper or absorbent material (or other "quality of importance") wouldn't work? Probably not but I normally have a supply of newspaper handy. I would think that any paper with similar absorbent properties would work. Why do many suggest the u...
by CABob
Mon Dec 18, 2017 8:04 pm
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 104
Views: 13554

Re: Any Instant Pot users here?

The only downside we’ve seen so far is that the gasket around the lid retains smells. Try removing the gasket, clean and dry and wrap it in newspaper and store outside of the pot. We have an electronic pressure cooker which we like very much. Have considered the instant pot but I think we would use...
by CABob
Thu Dec 14, 2017 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Wow. Just Wow.
Replies: 29
Views: 5479

Re: Wow. Just Wow.

A couple of newspapers in my area do the "best of" thing yearly (in fact I'm wondering if you are in the same area as I). The votes are from the readers but I can see how EJ could "win" such a survey. I live in a very small community and I believe there are at least three EJ offices. They are typica...
by CABob
Wed Dec 13, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 119
Views: 12510

Re: TaxAct and alternatives

Is anyone familiar with TaxSlayer? https://www.taxslayer.com/
It appears that this is for online use only with no downloaded application available. Is that correct?
Has anyone used it who may have some comments about it?
by CABob
Tue Dec 12, 2017 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Play money individual stocks, which ones?
Replies: 49
Views: 3782

Re: Play money individual stocks, which ones?

I don't consider this to be "play money" but I do have investments in Caterpillar, General Electric, Huntington Ingalls, McDonald, Northrop, and AT&T. They are all long term holdings, dividend payers, and were bought well before my Boglehead days that might be considered in the "blue chip" category....
by CABob
Sun Dec 10, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: What MPG App Do You Use To Track Fuel Usage ?
Replies: 61
Views: 3269

Re: What MPG App Do You Use To Track Fuel Usage ?

I paid about $1.20/gallon in 1963 What kind of gas was that? :shock: The first time I saw gas over $1.00 was in the late 1970s. That was California gas but I did misquote the date. It was in 1993. We have always paid more than the rest of the world. I would have to go to my pencil and paper files f...
by CABob
Sun Dec 10, 2017 6:46 pm
Forum: Personal Consumer Issues
Topic: What MPG App Do You Use To Track Fuel Usage ?
Replies: 61
Views: 3269

Re: What MPG App Do You Use To Track Fuel Usage ?

I'm old school. I write it in a paper notebook I keep in the car, and transcribe it to a spreadsheet when I get home. +1 I have done this religiously for many years, but I sometimes wonder why. I don't do anything with the data and it doesn't change any habits of mine. I used to think that it would...
by CABob
Sat Dec 09, 2017 2:05 pm
Forum: Investing - Theory, News & General
Topic: Did Capital One 360 Savings raise rates?
Replies: 31
Views: 4711

Re: Did Capital One 360 Savings raise rates?

The only downside I am aware of is that every time I call them to ask, they tell me the MM and 360 accounts don’t support trusts. So if you want to have it in a living trust, they can’t help. Yet. I had called Capital One 360 regarding Trusts a few weeks ago. They do not support trusts for new acco...
by CABob
Fri Dec 08, 2017 1:33 pm
Forum: Investing - Theory, News & General
Topic: Did Capital One 360 Savings raise rates?
Replies: 31
Views: 4711

Re: Did Capital One 360 Savings raise rates?

The only downside I am aware of is that every time I call them to ask, they tell me the MM and 360 accounts don’t support trusts. So if you want to have it in a living trust, they can’t help. Yet. I'm not sure that is correct. I have a 360 savings account that I changed to be in the name of my trus...
by CABob
Thu Dec 07, 2017 11:44 pm
Forum: Investing - Theory, News & General
Topic: investing in taxable accounts
Replies: 10
Views: 1951

Re: investing in taxable accounts

Total Stock Market fund for its tax efficiency and long term performance. I also have fairly high cash allocation so I have bank saving accounts and money market funds.
by CABob
Sun Dec 03, 2017 2:35 pm
Forum: Investing - Theory, News & General
Topic: Charitable donations through Betterment
Replies: 1
Views: 377

Charitable donations through Betterment

I recently received correspondence about Betterment's process for donating securities from an account. I'm not a Betterment client but the correspondence implied that the process was more convenient than what is offered through other financial institutions. Can anyone share information about the pro...
by CABob
Thu Nov 30, 2017 11:02 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 13913

Re: Price of haircut?

DD used to cut it for "free", but free usually involved a 200 mile drive and lunch for four. She is now working at a higher end place which is closer so I "only" pay about $30 and only a 100 mile drive.
:oops:
by CABob
Thu Nov 30, 2017 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: Reduce risk tolerance - Vanguard Target Funds
Replies: 43
Views: 2359

Re: Reduce risk tolerance - Vanguard Target Funds

I was essentially looking at this as two different buckets of money(call it 1A( existing $ amount ) that I've been contributing for the past 1-2 decades and 1B( new $ contribution amount ) that I intend to contribute for next 1-2 decades). The bucket approach is useful to many but it is really just...
by CABob
Thu Nov 30, 2017 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Reduce risk tolerance - Vanguard Target Funds
Replies: 43
Views: 2359

Re: Reduce risk tolerance - Vanguard Target Funds

Here is my thinking - poke any holes in it :D Existing $ in 401k - If I want to take on lower risk and say, want to invest in Vanguard 2030 fund(71.26% Stocks/28.71% Bonds). I believe its as simple as exchanging one fund for another i,e. 2050(sell) for 2030(buy). Correct? New contribution $ into 40...
by CABob
Thu Nov 30, 2017 12:07 am
Forum: Investing - Help with Personal Investments
Topic: When to open Vanguard account?
Replies: 14
Views: 1257

Re: When to open Vanguard account?

Where is the money currently? If it is invested or in a savings account there will be taxes due on any earnings on it.
The Total Stock Market fund will have a distribution sometime near the middle of December. You might want to wait until after that occurs.
by CABob
Fri Nov 24, 2017 8:01 pm
Forum: Personal Consumer Issues
Topic: I bought Vanguard Index Funds to get the black friday shopping out of my system
Replies: 17
Views: 1760

Re: I bought Vanguard Index Funds to get the black friday shopping out of my system

Also thinking of replacing my clock radio since it changes between standard and daylight savings time on the wrong weekends. Does anyone market a clock radio with an atomic clock? I don't think I have seen one, but it seems like a good idea. Never mind, I see that Amazon is way ahead of me https://...
by CABob
Thu Nov 23, 2017 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Regrets for taking SS at 62 or waiting?
Replies: 100
Views: 11093

Re: Regrets for taking SS at 62 or waiting?

I retired and started receiving SS benefits at 63. I have no regrets although I have since come to the opinion that it might have been better to have waited. If you are married also consider that a surviving spouse might want to collect on their spouses account after the first passing.
by CABob
Thu Nov 23, 2017 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity or lump sum
Replies: 8
Views: 812

Re: Annuity or lump sum

$3000/month is a 6% return on the $600,000 cash amount. That plus the COL adjustment makes the annuity seem quite attractive.
by CABob
Sun Nov 19, 2017 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: [Switching from Target Date fund to 3-fund portfolio - How?]
Replies: 9
Views: 1747

Re: [Switching from Target Date fund to 3-fund portfolio - How?]

I can't speak for Fido since I do not have an account with them, but at Vanguard it would be very easy online transactions. I would expect that Fido would be similar. At VG you would go to your Target Date fund online and make three exchanges from that fund into the three funds specifying the amount...