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Re: Where do you buy clothes?

Now that I'm retired, all I care about wrs clothes is comfort and affordability. Having spent my working career (to include being on-call generally every or every-other day for a couple of decades) in operating rooms, I wear scrubs around the house and save people clothes for wearing out and about....
by BolderBoy
Sun Aug 10, 2014 6:22 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 8640

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

And in case some folks missed it, VG bumped up the allowable length of their password field to 20 characters. If there is any *one* password item to change to make a password tougher to break, length is it.

If you're not using a 20ish character PW on VG's site yet, please make a note to change it.
by BolderBoy
Sun Aug 10, 2014 5:52 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7324

Re: Sources for Discovering Dishwasher Quality

Everyone has a different experience with their dishwasher. But does anyone know where to go other than the Consumer Reports for evaluating the quality of a dishwasher? The LAST time I relied on CR for anything was to buy their "recommended / best buy" Whirlpool DW. I couldn't wait to dona...
by BolderBoy
Sun Aug 10, 2014 5:38 pm
 
Forum: Personal Consumer Issues
Topic: Sources for Discovering Dishwasher Quality
Replies: 36
Views: 1779

Re: Which 4 door with 250+ hp

Why is it bad for my financial health. Unless I am completely missing something with my deprecation logic, $200 per month seems reasonable for a car. Auto depreciation isn't a straight line - the biggest hit is nearly immediate. BH wisdom seems to be that if you want to get rid of a car before driv...
by BolderBoy
Sun Aug 10, 2014 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Which 4 door with 250+ hp
Replies: 67
Views: 4427

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

But don't they have to do that all over again for every password in the file? So if a site has a million passwords, they'll have to do them all to get all the passwords? That reduces the odds they'll get mine, unless they target my particular ID. They operate with ready-made tables of hash values f...
by BolderBoy
Sat Aug 09, 2014 2:32 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7324

Re: your eye doctor; your eyes....

is your eye doctor an opthamologist or an optometrist? any reason to prefer one over the other? OD. Figure if she sees something needing physician-level care she'll tell me. does your eye doc use the "puff of air" machine or the machine that actually presses against your eye to measure th...
by BolderBoy
Sat Aug 09, 2014 12:14 am
 
Forum: Personal Consumer Issues
Topic: your eye doctor; your eyes....
Replies: 41
Views: 3188

Re: Telephone Calls! Help! [Telemarketing phone calls]

My parents were inundated with unwanted calls - often 20 per day - so once when I visited I volunteered to "take care" of the caller. When I answered and he started talking I interrupted with this routine: <https://www.youtube.com/watch?v=mkdoogjic4I> Then I found out it was my father's do...
by BolderBoy
Fri Aug 08, 2014 11:52 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Telemarketing phone calls]
Replies: 97
Views: 5704

Re: Oldest age to start medical school?

At what age does going to medical school become impractical (from a Boglehead’s perspective)? I met a 51 y/o intern once. She was very tired. By the time I hit 61 the 24-hr shifts were wearing me down pretty good, so I retired. Another poster mentioned that you had tried it twice but changed your m...
by BolderBoy
Fri Aug 08, 2014 11:37 pm
 
Forum: Personal Consumer Issues
Topic: Oldest age to start medical school?
Replies: 44
Views: 5465

Re: Neighbor's Tree

Your neighbor is not responsible to clean up leaves and limbs from their trees if and when they fall on your property, or even the tree itself if it falls on your property, except if the tree was diseased and not maintained.. Are you sure about that? Wouldn't that give the property owner who does n...
by BolderBoy
Fri Aug 08, 2014 11:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Neighbor's Tree
Replies: 44
Views: 3008

Re: Can I get a Mortgage anywhere?

Sure you can get a mortgage anywhere. Some lenders though may prefer a local property. Others just don't care. Also mortgages are often sold within 30 days of origination to someone else. I've never heard of anyone getting a mortgage. You get a loan and give a mortgage as collateral. :P Hah. Very g...
by BolderBoy
Fri Aug 08, 2014 11:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I get a Mortgage anywhere?
Replies: 18
Views: 1738

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

Adding salts only slows that down by the number of unique salts in the database. When I write password routines, the salts are long - 64 bytes minimum, drawn from generated UUID values and itself hashed - always unique per user and the hacker would have no idea what I did with the salt vis-a-vis th...
by BolderBoy
Fri Aug 08, 2014 10:58 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7324

Re: Peak Money Market Fund Yields in 1981-82

Electron wrote:I'm wondering if anyone remembers the highest yields seen in Money Market funds in 1981-82.

I had the Prime Money Market Fund with T Rowe Price in 1981 and it was yielding 18% for a time.
by BolderBoy
Thu Aug 07, 2014 12:37 pm
 
Forum: Investing - Theory, News & General
Topic: Peak Money Market Fund Yields in 1981-82
Replies: 24
Views: 1675

Re: Moving Average Backtest destroys Buy/Hold. Try for yours

Well, I can debunk buy and hold and prove market timing works in under 60 seconds.... The data goes back to year 2000, so it has almost 15 years of backtest data. 15 years? How about at least 30 years (a typical person's investing history before retirement) and better 50-60+ years to include workin...
by BolderBoy
Thu Aug 07, 2014 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: Moving Average Backtest destroys Buy/Hold. Try for yourself.
Replies: 59
Views: 4345

Re: Should I worry about being audited?

My mom has always been paranoid about depositing her money in bank accounts (she makes most of her money under the table). For about two years now, she has been giving me 300-400 dollars a week that I've been depositing into a savings account/vanguard taxable. So your mom is committing a crime and ...
by BolderBoy
Thu Aug 07, 2014 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I worry about being audited?
Replies: 34
Views: 2997

Re: How many Accounts do you log into and how do you manage?

jebmke wrote:I use Keepass.

+1 I left Roboform behind several years ago and have never looked back.
by BolderBoy
Wed Aug 06, 2014 11:06 pm
 
Forum: Personal Consumer Issues
Topic: How many Accounts do you log into and how do you manage?
Replies: 52
Views: 2498

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

Nearly all websites will hash their passwords. Meaning that they don't store the actual password, instead they store a hash of the password. Unfortunately, many websites don't use a salt or a slow hash function. What this means is if hacker can steal a hash file that doesn't use a salt or a slow ha...
by BolderBoy
Wed Aug 06, 2014 10:52 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7324

Re: Inexpensive paper check replacement?

MN-Investor wrote:Are you a Costco member? If so, check out Costco Checks.

+1. Cheapest I've found.
by BolderBoy
Tue Aug 05, 2014 12:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Inexpensive paper check replacement?
Replies: 19
Views: 1544

Re: Medicare and Auto Accidents

Medicare is the payer of last resort, but they are definitely on the list.
by BolderBoy
Tue Aug 05, 2014 12:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare and Auto Accidents
Replies: 5
Views: 572

Re: Should I close this credit card with Annual fee

Should I keep paying 29 dollars per year just to keep "longevity factor" in my favor on FICO score? No, absolutely not. More important than how long you've had the card (in figuring the FICO score) is the total denominator value of all your credit. (next most important is NEVER, EVER be l...
by BolderBoy
Tue Aug 05, 2014 12:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I close this credit card with Annual fee
Replies: 20
Views: 1968

Re: HELP! Budget Out of Control

Alarm $36 Is this for monitoring? Monitoring is usually a waste of money. If you have inside and outside LOUD alarms and a sign in front of your house proclaiming VIDEO surveillance, a burglar foolish enough to try, is going to be LONG gone before the alarm company even calls the cops for you. Nice...
by BolderBoy
Tue Aug 05, 2014 12:08 am
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Budget Out of Control
Replies: 47
Views: 3556

Re: Should i Buy a new car

Sp let me rephrase the question- since i DONT have money lying around to buy the car, does it make sense to take a loan?? I hope now its more clear. Not to me. The interest you will pay on the loan is a guaranteed return if you don't take the loan. Any returns you get on investments over the same p...
by BolderBoy
Mon Aug 04, 2014 11:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should i Buy a new car
Replies: 87
Views: 3916

Re: Investing for those in the 15% tax bracket

I do see an advantage to investing in a Roth IRA because of the tax free growth over a taxable account, but the advantage of the tax deferred accounts is less clear. It seems like once a person in the 15% MTB maxed out their Roth and 401k contributions up to the match there wouldn't be much advanta...
by BolderBoy
Mon Aug 04, 2014 11:45 pm
 
Forum: Investing - Theory, News & General
Topic: Investing for those in the 15% tax bracket
Replies: 38
Views: 2762

Re: Playing Millenial Student Debt

As I see the student loan debt rise for my generation (over $1 trillion) and wage growth stagnate, I wonder what looming effects this will have on the economy at large. The biggest boon I can see is the delay of first time home purchases. According to the latest Zillow(R) Home Price Expectations Su...
by BolderBoy
Mon Aug 04, 2014 11:37 pm
 
Forum: Investing - Theory, News & General
Topic: Playing Millenial Student Debt
Replies: 5
Views: 645

Re: Do I need a small cap index if I already have total mark

Thank you for letting me know it is not necessary. But, is it a good addition is what I really want to know? "Good" is a personal choice. Adding small cap will let you s-t-r-e-t-c-h for some extra potential gain (and s-t-r-e-t-c-h for some extra potential loss as well) - who can tell the ...
by BolderBoy
Mon Aug 04, 2014 11:35 pm
 
Forum: Investing - Theory, News & General
Topic: Do I need a small cap index if I already have total market ?
Replies: 58
Views: 5320

Re: Investing a windfall for an older new investor

She is 55 years old, does not work...she will be getting a lump sum of much more money than I've had to deal with. My instinct is to start by putting some in a savings account for emergencies, and invest the rest in a 2 or 3 index fund portfolio with roughly 55% bonds and 45% stocks. I would also l...
by BolderBoy
Mon Aug 04, 2014 11:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing a windfall for an older new investor
Replies: 10
Views: 532

Re: How do you document your HSA "stuff?"

All receipts showing payments I made go into a paper folder. I pay the expenses out of pocket. When I need some cash flow and there are enough receipts accumulated in the folder I add them up, write myself an HSA check for reimbursement, scan the receipts into a "YYYY IRS HSA Reimbursements yyy...
by BolderBoy
Mon Aug 04, 2014 11:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you document your HSA "stuff?"
Replies: 38
Views: 2126

Re: SUV tires

Meaty wrote:It's that time again when we need to replace tires on our Nissan murano. Any recommendations on the best all weather tires?

Where do you live?
by BolderBoy
Sat Aug 02, 2014 5:55 pm
 
Forum: Personal Consumer Issues
Topic: SUV tires
Replies: 17
Views: 1234

Re: Riding the Rails--my Amtrak trip

I am getting concerned reading about the delays. I hate planes. Did I say I hate planes. I only take them when I must and only for must business trips, which hopefully will be over soon. I am "spoiled" by Amtrak on the Northeast corridor which is not horrible although almost every time I ...
by BolderBoy
Sat Jul 26, 2014 10:28 am
 
Forum: Personal Consumer Issues
Topic: Riding the Rails--my Amtrak trip
Replies: 78
Views: 9014

Re: Please help settle an argument

DFWinvestor wrote:Argument A: It ALWAYS makes sense to take out a vehicle loan, as long as it is no greater than 3-5%, rather than pay cash for the vehicle up front. If you invest the cash in the S&P 500 you will always come out ahead.

This is nonsense. Most always/never declarations are.
by BolderBoy
Wed Jul 23, 2014 11:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please help settle an argument
Replies: 23
Views: 1976

Re: Vanguard Account Owners - has this happened to you?

I've been with Vanguard longer than you, and recently had a bizarre thing happen. A check showed up in my mailbox. Dividends are supposed to be deposited to my money market account, but instead they mailed me a paper check. I called my rep, she didn't know why it happened. I wonder if other folks h...
by BolderBoy
Wed Jul 23, 2014 11:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Account Owners - has this happened to you?
Replies: 17
Views: 2647

Re: Buy a condo for college?

Slapshot wrote:Do it. My son tried to get us to do this 20 years ago when he went to Univ. of Colorado, Boulder.

+1
I live in Boulder and this is done all the time here. Few people lose money doing it, here and most sell the properties when the kids graduate.
by BolderBoy
Fri Jul 18, 2014 9:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy a condo for college?
Replies: 29
Views: 2517

Re: Adding Backup Boot Disk - Windows 7 - Clone or Image?

However, I discovered that it took 1.5 hrs to do the image backup to the external hard drive, so it's not something I'd want to do very often. A friend just got a new laptop with USB 3 ports and a 3.0 WD external drive and it took about 10 minutes. I think mine has USB 2 and I have an older WD back...
by BolderBoy
Fri Jul 18, 2014 11:20 am
 
Forum: Personal Consumer Issues
Topic: Adding Backup Boot Disk - Windows 7 - Clone or Image?
Replies: 15
Views: 1224

Re: Adding Backup Boot Disk - Windows 7 - Clone or Image?

I will be adding a second internal disk drive to my Windows 7 desktop computer for quick recovery should the current hard disk ever fail. Would you recommend disk cloning or disk imaging? Is it best to have the backup disk the same exact size in gigabytes as the disk it would be replacing? I would ...
by BolderBoy
Wed Jul 16, 2014 11:36 pm
 
Forum: Personal Consumer Issues
Topic: Adding Backup Boot Disk - Windows 7 - Clone or Image?
Replies: 15
Views: 1224

Re: I'm cosigner .. Friend thinking of bankruptcy .. Pls hel

1. We have at least 5-6 months before he files, if he files... Can I do something to make my credit immune from his bankruptcy? I did something similar 7 years ago. Faced the same "non-payment" possibility. So I started saving right away and saved the entire amount of the loan just in cas...
by BolderBoy
Wed Jul 16, 2014 11:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm cosigner .. Friend thinking of bankruptcy .. Pls help
Replies: 64
Views: 7748

Re: Thoughts on 100% stock allocation for 33 year old

tainted-meat wrote:I believe there is a hidden opportunity cost to owning bonds over stocks in the long-term.

Can you amplify a bit on this, please? I think to most of us who are not financially-trained, bonds are a bit mysterious.
by BolderBoy
Mon Jul 14, 2014 10:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on 100% stock allocation for 33 year old
Replies: 85
Views: 6423

Re: Thoughts on 100% stock allocation for 33 year old

Bonds (or at least nominal bonds) are not always the fail-safe that investors think they are. For instance, take the performance of a 50/50 portfolio in the UK. During the 1970s, it lost 60% of its value in real terms. Even investors with bond-heavy allocations should be prepared to lose half their...
by BolderBoy
Mon Jul 14, 2014 10:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on 100% stock allocation for 33 year old
Replies: 85
Views: 6423

Re: Thoughts on 100% stock allocation for 33 year old

Also, one other point which was raised, and which was also mentioned in a subsequent edition to The Elements of Investing , is that the bond market is likely going to be suppressed for some time. You'd need to convince me that any sort of comment such as this, "likely going to be..." is a...
by BolderBoy
Mon Jul 14, 2014 10:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on 100% stock allocation for 33 year old
Replies: 85
Views: 6423

Re: Thoughts on 100% stock allocation for 33 year old

="berntson"Assuming equal yearly contributions, that extra 1.5% yearly return translates into a portfolio that is about 15% larger after 25 years. Of course, there are no guarantees. But an extra 15% is nothing to sneeze at. It means that a retiree can have a lower (and hence safer) withd...
by BolderBoy
Mon Jul 14, 2014 10:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on 100% stock allocation for 33 year old
Replies: 85
Views: 6423

Re: Thoughts on 100% stock allocation for 33 year old

I don't see how introducing bonds helping at all, if anything, it would lower the yields significantly no? I'm basing this off of S&P500's long term average growth (some 7% or whatever that number is). Won't lower yields significantly over the LONG TERM. And the other side of "helping"...
by BolderBoy
Sun Jul 13, 2014 1:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on 100% stock allocation for 33 year old
Replies: 85
Views: 6423

Re: Thoughts on 100% stock allocation for 33 year old

brigboy wrote:I'm open to still doing 100% stocks (S&P500 - not even anything fun or exciting) but I suppose if the market tanks, I can convert all my bonds over to equity :).

This is called, "Market Timing".
by BolderBoy
Sun Jul 13, 2014 1:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on 100% stock allocation for 33 year old
Replies: 85
Views: 6423

Re: Allocation in Retirement

I am sure this has been discussed before, but my search yielded little. I am looking for general or fund recommendations, for people in retirement,to produce income stream of 2.5-3% of the portfolio? If anyone knows of a thread on this I would appreciate them pointing it out to me. It may be a litt...
by BolderBoy
Sun Jul 13, 2014 12:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Allocation in Retirement
Replies: 7
Views: 1320

Re: Safe withdrawal rate > 4% if no heirs & ok to deplete ca

I spent some time reading about this topic in the wiki, with its various math formulas and the like.

What about simply using the IRS' RMD tables? Isn't that geared to basically bleeding down a given amount of $$$ to zero at the end of X years?
by BolderBoy
Sun Jul 13, 2014 12:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Safe withdrawal rate > 4% if no heirs & ok to deplete captl?
Replies: 32
Views: 3125

Re: Thoughts on 100% stock allocation for 33 year old

For me, a major market downturn would be scary, but what would be even more scary is not having enough money to retire. You are the one who has to sleep at night with the choices you make now. The research is pretty clear: 100% equities (widely diversified, such as Total Stock Market Index) only co...
by BolderBoy
Sun Jul 13, 2014 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on 100% stock allocation for 33 year old
Replies: 85
Views: 6423

Re: Wife was hit by car while riding on bicyle. Next Step?

goodenoughinvestor wrote:Any advice on HOW to find a good, professional personal injury lawyer?

If you have a friend who is a judge, ask him/her. They've seen 'em all.
by BolderBoy
Wed Jul 09, 2014 6:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife was hit by car while riding on bicyle. Next Step?
Replies: 46
Views: 5623

Re: List of Worst financial advice (what not to do):

cheese_breath wrote:"Superior portfolio performance will more than pay my fees" ... Financial Advisor

ROFL. My last (forever) FA used that exact phrase on me, before he lost 40% of my portfolio with market timing. Oh, and he continued to siphon off a fee on the way down.
by BolderBoy
Wed Jul 09, 2014 6:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 144
Views: 16234

Re: How to w/d from taxable until SS/RMD time gets here?

Taking Social Security early will reduce your payout by quite a bit and you will be left with that reduced payout for the rest of your life. If it applies to your family, spousal benefits will be reduced forever as well. There's no point in putting everything in cash because that's not necessary. I...
by BolderBoy
Wed Jul 09, 2014 4:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to w/d from taxable until SS/RMD time gets here?
Replies: 29
Views: 2111

Re: How to w/d from taxable until SS/RMD time gets here?

Paltry returns of bonds are a fact of life for every retiree. However, a 0% real return is a lot better than a 20% loss. The relationship between risk and return is the most basic of all investment dictums. If you really are needing the money that you have invested in equities within the next few y...
by BolderBoy
Wed Jul 09, 2014 1:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to w/d from taxable until SS/RMD time gets here?
Replies: 29
Views: 2111

Re: How to w/d from taxable until SS/RMD time gets here?

If spending down a taxable account you should not reinvest dividends. Collect the dividends for spending.... Why? It would seem better to reinvest and consider which securities to sell for spending based on total tax situation ... It nay be those (since basis = current value) but you might prefer t...
by BolderBoy
Tue Jul 08, 2014 8:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to w/d from taxable until SS/RMD time gets here?
Replies: 29
Views: 2111

Re: How to w/d from taxable until SS/RMD time gets here?

OP, you mentioned periodic equal withdrawals from both funds. This is reverse dollar cost averaging. Dollar cost averaging is great during the accumulation stage, because you are buying more shares when prices are down, less when prices are up. If you do this when withdrawing, you sell more shares ...
by BolderBoy
Tue Jul 08, 2014 8:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to w/d from taxable until SS/RMD time gets here?
Replies: 29
Views: 2111

Re: How to w/d from taxable until SS/RMD time gets here?

This bond fund's dividends slightly exceed my expenses on an annual basis so any surplus is plowed back into the bond fund. Furthermore, any cap gain distributions, which are erratic, are automatically reinvested so I add to my total share count and my monthly diivdends that way... My AA in the tax...
by BolderBoy
Tue Jul 08, 2014 8:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to w/d from taxable until SS/RMD time gets here?
Replies: 29
Views: 2111
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