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Re: struggling to understand "bond crash"

I continue to read about an impending "bond crash" . The articles are never ending. I apologize up front that I don't understand well what this means in practical terms. Can someone explain in layman's terms (or point me to another posting) what would happen if U.S. Treasuries /Treasury B...
by BolderBoy
Tue Sep 02, 2014 3:55 pm
 
Forum: Investing - Theory, News & General
Topic: struggling to understand "bond crash"
Replies: 11
Views: 1393

Re: Porfolio guidance please

Available 401k funds: Vanguard Value Index Fund (VVISX) .97% Vanguard Small Cap Value Index Fund (VSIAX) .97% Vanguard Small Cap Growth Index Fund (VSGAX) .97% Vanguard Energy Fund (VGELX) 1.13% Pardon my suspicious curmudgeonness, but where did those ERs come from? I just looked up VSGAX on the VG...
by BolderBoy
Tue Sep 02, 2014 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Porfolio guidance please
Replies: 11
Views: 640

Re: What Movie Have You Currently Watched?

Just finished Season 1 of "The Blacklist" with James Spader. If you are a Spader fan, don't miss it.
by BolderBoy
Sun Aug 31, 2014 10:43 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 65
Views: 2290

Re: How to safely sell a big ticket item online

Ged wrote:Bank. Cash. Have the teller scan the cash for counterfeit.

+1. Just have him bring cash to your bank and have him hand it to the teller. Once the teller accepts the cash deposit, any funny money becomes their problem.
by BolderBoy
Sun Aug 31, 2014 10:37 pm
 
Forum: Personal Consumer Issues
Topic: How to safely sell a big ticket item online
Replies: 42
Views: 2271

Re: Poll: How many own zero/few stocks?

SuperSaver wrote:Just trying to gauge how truly committed those on here are: How many of you are all-in with indexed funds only?

98% index funds + 1 tax-exempt municipal bond fund. Last time I bought a "stock" was in 1981 and I lost money on it.
by BolderBoy
Fri Aug 29, 2014 11:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Sell off individual stocks?] How many own zero/few stocks?
Replies: 68
Views: 2684

Re: How low can Vanguard Fees Go?

Vanguard employees gotta eat. I would be amazed if it would go lower. VG now has around $3 trillion under their wings - that's a 33% increase in what, 1.5 years? Computers do the bulk of the work and folks are swarming into index funds, which require little tending so not many new employees. So yes...
by BolderBoy
Fri Aug 29, 2014 11:27 pm
 
Forum: Investing - Theory, News & General
Topic: How low can Vanguard Fees Go?
Replies: 32
Views: 2180

Re: Death of family member - what to do financially

One of first things to do is to inform SS of her death so they can stop sending checks. It is interesting that so many folks are saying this. Unless they are hiding the death from "the authorities", SS has almost certainly been notified. There are a lot of rules and regs in place to make ...
by BolderBoy
Thu Aug 28, 2014 12:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Death of family member - what to do financially
Replies: 26
Views: 3202

Re: Liability Insurance without Home or Car Insurance

Basically, I'm trying to find the most efficient way to get liability insurance for our apartment (and for car accidents when driving rentals if possible) without having to pay for unnecessary insurance. For the rental auto, get an American Express card (rebate card with no annual fee) and sign up ...
by BolderBoy
Wed Aug 27, 2014 11:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Liability Insurance without Home or Car Insurance
Replies: 4
Views: 362

Re: Protecting one's bank account from PayPal

I do what Nisi says - CU account with small checking balance which I bump up prior to a Paypal transaction. My real banking is elsewhere.
by BolderBoy
Wed Aug 27, 2014 11:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Protecting one's bank account from PayPal
Replies: 26
Views: 2268

Re: 401(k) poll - lawyer/oil and gas worker/airline employee

Medical - retired now, but last employer contributed 12% to 401k regardless of employee contributions.

When I was self-employed, the employer (me) contributed the max allowed, every year.
by BolderBoy
Wed Aug 27, 2014 11:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401(k) poll - lawyer/oil and gas worker/airline employee?
Replies: 29
Views: 1739

Re: What are you up YTD?

Please share your asset allocation and what you are up (or down) YTD in the format below. Stocks: 42.3% (TSMI) Bonds: 57.6% (TBMI) Up: 5.4% I went to my VG account and waved the mouse over the AA pie chart. It showed me the above. The percentage is also from VG on the "personal performance YTD...
by BolderBoy
Wed Aug 27, 2014 11:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 94
Views: 6316

Re: Banking on VPN or off for Man in the Middle issue?

As long as your connection to the bank is over SSL with the LEGITIMATE SSL certificate, you do not need to be concerned about a MITM attack. The encryption provided by SSL ensures the integrity of the connection. Assuming that the site has enabled PFS (perfect forward secrecy) for the DH (Diffie-He...
by BolderBoy
Sun Aug 24, 2014 11:07 am
 
Forum: Personal Consumer Issues
Topic: Banking on VPN or off for Man in the Middle issue?
Replies: 10
Views: 988

Re: Chase Freedom reward changes in 2016

teacher wrote:No cash back is a deal breaker for me. I need my Nana money. When I was told CHASE would discontinue their rewards check, I put on my things to-do-to list to find another card to supplement my Am Ex (Costco) card. Ideas?

Capital One 1.5% unlimited cash back Visa card?
by BolderBoy
Sun Aug 24, 2014 10:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom reward changes in 2016
Replies: 25
Views: 3434

Re: Reaching some milestones, need help making a decision

2) I am getting a 16% pay increase in the next couple of weeks. My question is: what should I do with the extra money I will have? You've learned to live on what you make now (and sound very sensible with what you are doing) so the common wisdom is to "invest" all of the pay increase in y...
by BolderBoy
Sun Aug 24, 2014 10:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Reaching some milestones, need help making a decision
Replies: 7
Views: 1199

Re: What documents should you never throw away?

I'm working on purging a bunch of my old documents -- old tax info, refinance info, and a bunch of other stuff. What documents should I not throw away and keep locked up in a safe? Originals of birth certificates, military discharge papers, divorce papers, Wills and associated legal stuff, current ...
by BolderBoy
Fri Aug 22, 2014 4:34 pm
 
Forum: Personal Consumer Issues
Topic: What documents should you never throw away?
Replies: 17
Views: 1631

Re: How to install an SSD HD into laptop without a Win7 disc

I recently bought a Samsung 840EVO SSD. I was prepared to use Clonezilla, but the SSD came with some Samsung-branded cloning software that I went ahead and used. It worked well and I didn't need to reinstall anything. How is the SSD speed working out for you? Noticeable? Marginal? I got my first SS...
by BolderBoy
Fri Aug 22, 2014 4:29 pm
 
Forum: Personal Consumer Issues
Topic: How to install an SSD HD into laptop without a Win7 disc?
Replies: 17
Views: 1278

Re: Options for the medical grad but no residency

frugaltype wrote:Does she qualify to be an RN with no or little additional training?

The Board of Nursing would laugh at her. You want to join the club, go to nursing school.
by BolderBoy
Fri Aug 22, 2014 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Options for the medical grad but no residency
Replies: 98
Views: 8991

Re: Company car versus personal car for business

Any chance of asking your employer to give you a car allowance for now, rather than the company car itself - comparable to the value of the company car, and use the Maxima for the business purpose? I can't articulate the math at the moment, but at some future point (hopefully not far), the spread be...
by BolderBoy
Fri Aug 22, 2014 2:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Company car versus personal car for business
Replies: 9
Views: 1039

Re: What assets are protected from state court proceedings?

This is interesting about umbrella insurance - when it begins and ends coverage and for acts that occurred when. In the medical business, professional liability coverage comes in two flavors: claims-made and occurrence. The former covers incidents that occur on the first day of coverage thru the las...
by BolderBoy
Fri Aug 22, 2014 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: What assets are protected from state court proceedings?
Replies: 20
Views: 1620

Re: Enough retirement income to avoid Medicaid

I'm very much enjoying the ACA this year in early retirement. I too did not want to be on Medicaid, based on my primary care physician's recommendation. Three strategies to raise your income over the Medicaid threshold: 1. Tax Gain Harvest: sell some of your taxable holdings for a gain. The gain co...
by BolderBoy
Fri Aug 22, 2014 2:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Enough retirement income to avoid Medicaid
Replies: 30
Views: 2919

Re: 60 years old and lump sum investment

captaintaco wrote:EDIT: The pension system performed a cash distribution and withheld tax. At this point can it be deposited into an IRA?

I wouldn't think so. Sounds like with the tax withheld that the money has already left the tax-deferred arena.
by BolderBoy
Fri Aug 22, 2014 1:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: 60 years old and lump sum investment
Replies: 6
Views: 753

Re: Driving Trip Planning

I think you're overthinking, overplanning and destined to fail. What I do: put cb radio in the car and magnetic antenna on the roof. Get the radar detector fired up. Put the garmin in place. Hook my phone up to charge and get it on google maps. Have a road atlas in the back seat. Keep the laptop re...
by BolderBoy
Wed Aug 20, 2014 2:02 pm
 
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 45
Views: 1639

Re: Driving Trip Planning

Mick wrote:There is a tool, I have been using it to plan a two week drive around the Northwest. On https://www.myscenicdrives.com...

What amused me about this site were the states lacking "scenic drives". Groan. What a negative advertisement.
by BolderBoy
Wed Aug 20, 2014 2:00 pm
 
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 45
Views: 1639

Re: Driving Trip Planning

Here's how I'd do it, using Google Maps on a computer: ⋅ Type in your start and end destinations. Google will map the whole route out for you. ⋅ Grab the "end" marker with your mouse. Drag it backwards along the route. ⋅ Google will recalculate the time for y...
by BolderBoy
Wed Aug 20, 2014 1:55 pm
 
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 45
Views: 1639

Re: Driving Trip Planning

This is splendid and I just tried it, BUT they have apparently turned that feature off and simply show a step of 1700+ miles and 26 hours, with no time breakdowns in the subheadings. Darn. It worked fine for me so far, I just need to find a way to SAVE it for future reference; probably should have ...
by BolderBoy
Wed Aug 20, 2014 1:25 pm
 
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 45
Views: 1639

Re: Driving Trip Planning

I've never seen anything quite like that. And I'm sort of a map nut.... But you can get something close from google maps. I do it like this: First, pick the trip's start and finish destinations (ultimate finish, not a rest/stop way point just yet), then allow google to find the best route between t...
by BolderBoy
Wed Aug 20, 2014 1:01 pm
 
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 45
Views: 1639

Re: Driving Trip Planning

Dutch wrote:For on the fly, on the road, planning I find a car GPS invaluable.

I'll have in-car navigation available, but it doesn't allow pre-planning motel stays.
by BolderBoy
Wed Aug 20, 2014 12:34 pm
 
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 45
Views: 1639

Re: Driving Trip Planning

Agreed that construction delays can throw a wrench, so plan on the low miles side per day just in case. Motel booking at noon on the way... An idea, but I don't have a cell phone and I'll be driving alone. But I'm amazed that there isn't something akin to what I seek already in existence. Seems like...
by BolderBoy
Wed Aug 20, 2014 12:16 pm
 
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 45
Views: 1639

Re: Driving Trip Planning

dolphinsaremammals wrote:I thought AAA had some sort of trip planning, but I haven't actually used it.

In BH fashion, I'm looking for "free".
by BolderBoy
Wed Aug 20, 2014 12:07 pm
 
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 45
Views: 1639

Re: Driving Trip Planning

So far so good with responses. I've pondered doing it like that. But a cleaner solution is a routing planner that allows choosing breakpoints by HOURS via pointing at the route. Google Maps contains all the underlying data to provide that option for planning - strange they don't. They don't even pro...
by BolderBoy
Wed Aug 20, 2014 12:05 pm
 
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 45
Views: 1639

Driving Trip Planning

I'm not finding a utility to do this on the web (and no discussion of it here on the forum) and am seeking suggestions from the assembly. I want to make a driving trip of 1800 miles. In a recent test I've discovered that I can do 400 miles without much effort, but 700 miles is a near-killer for me. ...
by BolderBoy
Wed Aug 20, 2014 11:38 am
 
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 45
Views: 1639

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: 9111

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: 7484

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: 1843

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: 83
Views: 6011

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: 7484

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: 3284

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! [Stopping telemarketing calls]
Replies: 100
Views: 6278

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: 5493

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: 3024

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: 1754

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: 7484

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: 1683

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: 4405

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: 3013

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: 2553

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: 7484

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: 1559

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: 576

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: 1982
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