Search found 4999 matches

by CABob
Sun Apr 18, 2021 1:14 pm
Forum: Personal Consumer Issues
Topic: Tool for precise 90 degree cut with utility knife blade?
Replies: 22
Views: 1414

Re: Tool for precise 90 degree cut with utility knife blade?

Do you really mean rubber or is it vinyl? Check: https://www.google.com/search?q=cutting+rubber+flooring&sxsrf=ALeKk010exjt1o-hTgbQZrMDg2_LRdtFQg%3A1618769343072&ei=v3V8YJ7VA5_P0PEPlumTsAw&oq=cutting+rubb+flooring&gs_lcp=Cgdnd3Mtd2l6EAEYADIECAAQDTIGCAAQBxAeMggIABAHEAUQHjIFCAAQhgM6Bwg...
by CABob
Sun Apr 18, 2021 12:57 pm
Forum: Personal Investments
Topic: Horrible market timer, looking to become a boglehead
Replies: 15
Views: 1985

Re: Horrible market timer, looking to become a boglehead

Welcome to the forum.
I'm not sure you fall into the category of beginning investor, but you might find some information of interest in the beginning section of the wiki at https://www.bogleheads.org/wiki/Getting_started
by CABob
Mon Apr 05, 2021 10:37 am
Forum: Personal Investments
Topic: Call number [Looking for Vanguard's phone number]
Replies: 4
Views: 448

Re: Call number

There should also be a number on your statement from Vanguard.
by CABob
Sun Apr 04, 2021 11:15 am
Forum: Personal Investments
Topic: Best all-in-one, set it and forget portfolio?
Replies: 36
Views: 3189

Re: Best all-in-one, set it and forget portfolio?

I'll add another vote for the Vanguard target date funds. I did not have any problems keeping a three fund portfolio rebalanced including any problems dealing with Vanguard, its website and customer service but a few years ago I changed to a TR fund for a fairly large IRA. My wife was already in A T...
by CABob
Wed Mar 31, 2021 3:07 pm
Forum: Personal Consumer Issues
Topic: Can't remove old shower head
Replies: 38
Views: 1871

Re: Can't remove old shower head

By this time I would have already called in a plumber, however have you considered soaking it with CLR? You could use a plastic bag or container of some sort to hold the cleaner to allow it to soak the shower head.
by CABob
Sat Mar 27, 2021 11:17 am
Forum: Investing - Theory, News & General
Topic: "Vanguard's Fine Target-Date Retirement Series"
Replies: 27
Views: 3696

Re: "Vanguard's Fine Target-Date Retirement Series"

After a number of years with a lazy portfolio of 3-5 funds in an IRA I changed to a TR fund. As I got older I was never sure of when I would tire or be unable to occasionally rebalance the portfolio. Secondly, since my wife had no interest in learning the ropes, rebalancing, RMD considerations etc. ...
by CABob
Wed Mar 24, 2021 1:49 pm
Forum: Personal Investments
Topic: What is the stock ticker symbol for bluebird? I can't seem to find it.
Replies: 14
Views: 742

Re: What is the stock ticker symbol for bluebird? I can't seem to find it.

There is no stock ticker for Bluebird proper; Bluebird is a card issued by Walmart (WMT) and branded by American Express (AXP). Would you call Walmart the parent company? If by "parent company" you mean ownership I think the answer is no. I think that the Walmart and American Express invo...
by CABob
Wed Mar 24, 2021 1:30 pm
Forum: Personal Investments
Topic: What is the stock ticker symbol for bluebird? I can't seem to find it.
Replies: 14
Views: 742

Re: What is the stock ticker symbol for bluebird? I can't seem to find it.

iamblessed wrote: Wed Mar 24, 2021 1:25 pm It seem like American Express, Visa and Walmart are all involved. Which is the parent company?
As far as I know none of these companies are a parent of any of the others. So I am inclined to think you are on a fools errand. Why were you interested?
by CABob
Wed Mar 24, 2021 1:04 pm
Forum: Personal Consumer Issues
Topic: TV size question
Replies: 105
Views: 5816

Re: TV size question

Interesting conversation. If my memory hasn't failed me I seem to recall way back when (perhaps the 50's or 60's) they recommended that size of the screen in inches should equal the distance in feet. IOW if sitting 10 feet away you should have a 10 inch screen. Has my memory failed me?
by CABob
Wed Mar 24, 2021 12:47 pm
Forum: Personal Investments
Topic: What is the stock ticker symbol for bluebird? I can't seem to find it.
Replies: 14
Views: 742

Re: What is the stock ticker symbol for bluebird? I can't seem to find it.

iamblessed wrote: Wed Mar 24, 2021 11:44 am Here is the link https://www.bluebird.com/
What makes you think there is a ticker meaning it is a public corporation? It sounds as if it might have some connection to Walmart and/or American Express.
by CABob
Mon Mar 22, 2021 2:06 pm
Forum: Personal Consumer Issues
Topic: Dog DNA Test
Replies: 49
Views: 4344

Re: Dog DNA Test

The people I know who did the Dog DNA test did it more for entertainment than anything else. ... I think it's best to think of the cost of the test to be an "entertainment" cost. I agree. We adopted a dog from the Humane Society described as a Dachshund/Mix. As he got older we saw less of...
by CABob
Sun Mar 21, 2021 3:15 pm
Forum: Personal Consumer Issues
Topic: Oven temperature accuracy
Replies: 26
Views: 1462

Re: Oven temperature accuracy

I just read a conversation regarding the accuracy of thermometers. This has got me curious about oven temperature accuracy. DW often comments that she doesn't think the indicated oven temperature is what actually occurs. How can I confirm or deny? The obvious solution is to buy an oven thermometer ...
by CABob
Sun Mar 21, 2021 12:39 pm
Forum: Personal Consumer Issues
Topic: Oven temperature accuracy
Replies: 26
Views: 1462

Oven temperature accuracy

I just read a conversation regarding the accuracy of thermometers. This has got me curious about oven temperature accuracy. DW often comments that she doesn't think the indicated oven temperature is what actually occurs. How can I confirm or deny? The obvious solution is to buy an oven thermometer s...
by CABob
Sat Mar 20, 2021 11:01 pm
Forum: Personal Investments
Topic: What do most people do with a 401K upon retirement if they dont need it?
Replies: 169
Views: 15373

Re: What do most people do with a 401K upon retirement if they dont need it?

The 401k can be rolled over into an IRA with Vanguard or whoever. This is not a taxable event. The IRA can just set there without paying any taxes until withdrawals from the IRA are made. The withdrawals can be the RMD when required, or a qualified charitable distribution or any other reason.
by CABob
Wed Mar 17, 2021 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: [Third stimulus payment - mega-thread]
Replies: 366
Views: 26280

Re: Received 3rd stimulus check 3/12/21

Is anyone still waiting for the 3rd stimulus payment who has direct deposit setup? I received both my Federal and State refunds via direct deposit last week. I don't qualify based on my 2019 return, but I do qualify for the full stimulus based on my 2020 return, I filed my 2020 return on March 6. C...
by CABob
Sat Mar 13, 2021 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: H&RB tax software first-time user, help with importing pdf
Replies: 6
Views: 281

Re: H&RB tax software first-time user, help with importing pdf

Do you still have last years Tax Act on your computer? If so, I would expect that H&R Block will get what it needs from those files rather than from a PDF.
by CABob
Fri Mar 12, 2021 10:54 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3212
Views: 1992888

Re: The Three-Fund Portfolio

As you get closer to retirement, look at the glide path for your TDF. Many go too far into bonds too quickly for some people's liking. So understand your TDF More to the point, select target date fund on the basis of its asset allocation rather than a year to be sure it is what you want currently a...
by CABob
Mon Mar 08, 2021 1:56 pm
Forum: Personal Consumer Issues
Topic: 10 day road trip vacation around Lake Michigan
Replies: 31
Views: 2470

Re: 10 day road trip vacation around Lake Michigan

Towards the end of your trip, after you've enjoyed the vast north woods of Wisconsin, if you want to avoid crossing the whole Chicago metro area (yuck) consider taking the car ferry back over to the Michigan side. I There is also a car ferry that goes between Muskegon and Milwaukee that might be a ...
by CABob
Mon Mar 08, 2021 1:15 pm
Forum: Personal Consumer Issues
Topic: Help me fix my toilet flush handle - it's too LIGHT!
Replies: 26
Views: 1842

Re: Help me fix my toilet flush handle - it's too LIGHT!

When you got the replacement handle/trip lever did you compare it to the one it is replacing as far as shape, distance from handle to the lift chain, etc? I ask because the last one I replaced with the "standard" in the hardware store it turned out to be different and I had to special orde...
by CABob
Sun Mar 07, 2021 2:07 pm
Forum: Personal Consumer Issues
Topic: Recommendation for wifi enabled Internet radio?
Replies: 14
Views: 858

Re: Recommendation for wifi enabled Internet radio?

Consider ccrane.com although I see that they are out of stock at the moment. I have had one of their discontinued models for a number of years and it has served me well.
Add an FM transmitter and you will be able to pick up the signal on any FM radio
by CABob
Sat Mar 06, 2021 2:46 pm
Forum: Personal Consumer Issues
Topic: How much do you pay your tax professional?
Replies: 60
Views: 6454

Re: How much do you pay your tax professional?

I don’t get paid anything for the excellent tax preparation services I provide to myself. I pay him all of my money. Because I am a tax professional (though I do corporate tax law, not individual returns). I think you two should get together and determine your prices. One of your seems underpaid an...
by CABob
Mon Mar 01, 2021 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: How much leave to the charity in will
Replies: 27
Views: 1501

Re: How much leave to the charity in will

To me it largely depends on your family finances and your age. Without a bit more background I am inclined to say leave nothing in will and make your contributions outside of the will. On the other hand if you have a multimillion estate and are a senior citizen my thought would likely change.
by CABob
Wed Feb 24, 2021 1:37 pm
Forum: US Chapters
Topic: Vanguard Diehards > Bogleheads
Replies: 6
Views: 1476

Re: Vanguard Diehards > Bogleheads

It looks like it was about the date you joined this site, March 2007 This sounds about right. The old shop closed so I joined the new about that time, give take a month or so. The Morningstar Diehards forum remained open for quite some time (years?) after the Bogleheads was established. Taylor, Mel...
by CABob
Thu Feb 18, 2021 1:50 pm
Forum: Personal Consumer Issues
Topic: Squirrel Proofing a Bird Feeder
Replies: 107
Views: 3669

Re: Squirrel Proofing a Bird Feeder

I don't know if this really works, but was amused watching the video.
https://www.youtube.com/watch?v=8QjhBKDzKcE
by CABob
Sat Feb 06, 2021 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2020 software offer
Replies: 426
Views: 33484

Re: H&R Block 2020 software offer

michaeljc70 wrote: Sat Feb 06, 2021 5:55 pm For anyone interested that hasn't bought yet they have the H&R Block Deluxe+state for $17 at Circuit City online.
Thanks for the information. I don't need it but the reference to Circuit City is a blast from the past. Didn't know they still existed.
by CABob
Sat Jan 30, 2021 1:45 pm
Forum: Personal Investments
Topic: Buy VTSAX on weekend?
Replies: 10
Views: 1049

Re: Buy VTSAX on weekend?

You can put an order to buy in to your broker but is will not execute until after close of business on Monday.
by CABob
Tue Jan 26, 2021 12:14 am
Forum: Personal Finance (Not Investing)
Topic: 1099-DIV Form reporting question
Replies: 8
Views: 647

Re: 1099-DIV Form reporting question

Do you have a mutual fund account or a brokerage account? The mutual fund ones have a disclaimer at the bottom warning you that they need to be separate entries. It's because those are actually reported to the IRS as three separate 1099-DIV forms and just combined on your end to save paper. I have ...
by CABob
Mon Jan 25, 2021 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-DIV Form reporting question
Replies: 8
Views: 647

1099-DIV Form reporting question

I received a 1099-DIV from Vanguard for a taxable account that contains three funds. Can I sum the totals and report this on my tax form as one entry or do I need to make three entries? I ask this every year and then forget what I have done and I expect that I have not always done it in the same man...
by CABob
Mon Jan 25, 2021 4:39 pm
Forum: US Chapters
Topic: Happy 97th Birthday, Taylor Larimore
Replies: 146
Views: 6396

Re: Happy 97th Birthday, Taylor Larimore

In 2002 I retired from MegaCorp taking a lump sum distribution of my pension and transferred my 401K funds into a Vanguard IRA. Since I had invested in Vanguards Total Stock Market fund previously and had followed the Diehards forum for a while Vanguard seemed like a reasonable choice. I did have so...
by CABob
Sun Jan 24, 2021 2:07 pm
Forum: Personal Investments
Topic: Dividends & Cost Basis In Traditional & Roth IRA's
Replies: 8
Views: 374

Re: Dividends & Cost Basis In Traditional & Roth IRA's

Thanks. I will probably choose to have dividends delivered to the settlement account, so that I can rebalance when necessary. As far as the cost basis, would choosing specific identification be more beneficial when taxes are eventually due, or does an IRA treat taxes like a 401K, where they just au...
by CABob
Tue Jan 19, 2021 1:27 pm
Forum: Investing - Theory, News & General
Topic: [wiki] Callan periodic table of investment returns
Replies: 109
Views: 8446

Re: [wiki] Callan periodic table of investment returns

l1am wrote: Tue Jan 19, 2021 12:03 am So... I should hold REITs?
YES in 2006, 2012, and 2014
NO in 2007, 2008, and 2011

:twisted:
by CABob
Sun Jan 10, 2021 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: "Annual returns from my portfolio is more than my annual income". Does this mean anything?
Replies: 66
Views: 5963

Re: "Annual returns from my portfolio is more than my annual income". Does this mean anything?

Is there any meaning to the statement "Annual returns from my portfolio is more than my annual income (for e.g. W2)? That has been true for me for a number of years... Of course I am retired and have not had any earned income during those years. It is only a comparison between two numbers eith...
by CABob
Thu Jan 07, 2021 6:20 pm
Forum: Investing - Theory, News & General
Topic: What is the "Quit when you won the game" portfolio?
Replies: 177
Views: 18865

Re: What is the "Quit when you won the game" portfolio?

7eight9 wrote: Thu Jan 07, 2021 6:14 pm Treasuries and defeased bonds.
You had me going for a definition on that one. Are defeased bonds available through a broker or within a fund?
by CABob
Thu Jan 07, 2021 12:51 pm
Forum: Investing - Theory, News & General
Topic: What is the "Quit when you won the game" portfolio?
Replies: 177
Views: 18865

Re: What is the "Quit when you won the game" portfolio?

Some investors will want to continue to play even after they have won. I suspect that most will still want some exposure to stocks but the answer to . the question will be varied. I would suggest that perhaps the Life Strategy Income or Target Retirement Income funds might be appropriate.
by CABob
Wed Jan 06, 2021 12:43 pm
Forum: Personal Investments
Topic: RMD Date
Replies: 2
Views: 295

Re: RMD Date

You should be able to do it online. From your main account screen look at the bottom for a link to "Retirement contributions, distributions, and RMDs"
by CABob
Tue Jan 05, 2021 3:48 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3212
Views: 1992888

Re: The Three-Fund Portfolio

VIVLX (Vanguard Target-Date 2051+) is fine if you have the $5 million minimum investment.
This may be in a 401k (or similar) account where an individual does not need that minimum.
by CABob
Mon Jan 04, 2021 11:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Mobile Check Deposit - Can I use this for my Fidelity 401k to Vanguard IRA rollovers?
Replies: 15
Views: 1169

Re: Vanguard Mobile Check Deposit - Can I use this for my Fidelity 401k to Vanguard IRA rollovers?

Fidelity will be sending me two rollover checks made payable to Vanguard FBO [your name]: 1. ~$110,000 Pre-tax 401k funds: includes traditional pre-tax 401k amounts as well as earnings on non-roth after-tax 401k contributions --> will rollover to the Vanguard Rollover IRA I opened this morning .......
by CABob
Sun Jan 03, 2021 11:45 pm
Forum: Investing - Theory, News & General
Topic: Reinvesting dividends vs. trading costs
Replies: 7
Views: 407

Re: Reinvesting dividends vs. trading costs

Why not reinvest dividends into the funds they come from rather than put them into cash? Then just keep aware of your overall asset allocation and only reallocate when you get too far off your target?
Or did I not understand the problem or question?
by CABob
Sun Jan 03, 2021 2:28 pm
Forum: Personal Investments
Topic: Possible tax penalty if I take entire RMD right now
Replies: 16
Views: 1343

Re: Possible tax penalty if I take entire RMD right now

Perhaps you should reconsider having taxes withheld from your withdrawal. Withholdings are considered to be paid throughout the year regardless of when the withdrawal is made.
by CABob
Mon Dec 28, 2020 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: RMD question for 2021
Replies: 2
Views: 400

Re: RMD question for 2021

Hi, I was just on hold for over 50 minutes and finally gave up .... was going to ask about taking RMD's for 2021. But when will we know about 2021? I'm curious, who were you holding for to get your answer? But as of now the rules for 2021 are the same as they were for 2019 unless you were affected ...
by CABob
Mon Dec 28, 2020 2:28 pm
Forum: Investing - Theory, News & General
Topic: POLL: Withdrawal Rates For Real Retirees
Replies: 87
Views: 9140

Re: POLL: Withdrawal Rates For Real Retirees

Is there an updated thread on this topic? If not, can people vote on this? Curious to know if people are indeed withdrawing in retirement what they planned to do before retirement. Thanks. I don't believe that polls are currently allowed on the forum so I don't think anyone can respond to the origi...
by CABob
Sat Dec 26, 2020 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: [CARES Act Above the Line Charitable Deductions]
Replies: 138
Views: 8105

Re: $300 Special Charitable Deduction for 2020

Some information from Kaye Thomas at Farimark.com regarding this year's $300 deduction for people who do not itemize. https://fairmark.com/three-things-about-special-charitable-deduction/#more-8892 -only for people who do not itemize deductions -must be cash (not goods) -$300 limit per return, not ...
by CABob
Tue Dec 22, 2020 12:56 pm
Forum: Personal Investments
Topic: EE Bonds Maturing in 2022
Replies: 34
Views: 2109

Re: EE Bonds Maturing in 2022

This is off-topic but has reminded me, does anyone besides me miss the Savings Bond Wizard?
by CABob
Thu Dec 17, 2020 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Timing of 2021 QCDs
Replies: 10
Views: 549

Re: Timing of 2021 QCDs

Sport & Gill - Thanks for your comments. I've been doing QCDs, when available, for ten years now and usually do them in the first half of the year taking my remaining RMD around October. I withhold federal tax from that RMD that will just about fulfill my federal tax obligation so that I owe ab...
by CABob
Sun Dec 13, 2020 12:18 am
Forum: Personal Investments
Topic: Questions re: Vanguard target funds
Replies: 7
Views: 898

Re: Questions re: Vanguard target funds

When I go to the Vanguard site and check the TR2060 fund I get: Vanguard Total Stock Market Index Fund Investor Shares 54.50% Vanguard Total International Stock Index Fund Investor Shares 36.20% Vanguard Total Bond Market II Index Fund Investor Shares† 6.60% Vanguard Total International Bond Index F...
by CABob
Fri Dec 11, 2020 11:55 am
Forum: Personal Investments
Topic: Airbnb IPO offering for hosts - should I do it?
Replies: 77
Views: 7867

Re: Airbnb IPO offering for hosts - should I do it?

TD Ameritrade had an interesting article about Airbnb and IPOs in general.
https://tickertape.tdameritrade.com/inv ... =971755340
by CABob
Thu Dec 10, 2020 2:49 pm
Forum: Personal Investments
Topic: Open Roth for 6 month old?
Replies: 20
Views: 967

Re: Open Roth for 6 month old?

Do you expect that baby will receive a 1099 or W2 at the end of the year?
I would doubt that it would be considered to be earned income.