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Re: Parking money in a tax free muni bond fund?

I read http://www.bogleheads.org/wiki/Placing_%20...%20ed_account and the TLH. The TLH is a bit complicated re rules of how long to be in something before you can TLH it just gets too involved, I try to KISS so TLH seems to be more involved than I think I want to be! I don't have any money other tha...
by zaplunken
Thu Apr 16, 2015 10:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Parking money in a tax free muni bond fund?
Replies: 14
Views: 1386

Re: Parking money in a tax free muni bond fund?

Bond funds are not tax efficient and better held in tax deferred or tax free accounts, what sense would it make to hold the STIG fund in a taxable account? It seems logical to hold a tax free fund (muni bond in this case) in a taxable account and also since that is where the cash is now (taxable). ...
by zaplunken
Thu Apr 16, 2015 9:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Parking money in a tax free muni bond fund?
Replies: 14
Views: 1386

Re: Parking money in a tax free muni bond fund?

So why do you have that short-term bond fund VFSUX? Why not put all of it in tax-free muni fund your are considering? Or why not put all the Ally money in VFSUX? The STIG fund is in a roller over IRA and the Alley money is taxable. So? You could use STIG in a taxable if you wanted. By moving from A...
by zaplunken
Thu Apr 16, 2015 9:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Parking money in a tax free muni bond fund?
Replies: 14
Views: 1386

Re: Parking money in a tax free muni bond fund?

livesoft wrote:So why do you have that short-term bond fund VFSUX? Why not put all of it in tax-free muni fund your are considering? Or why not put all the Ally money in VFSUX?


The STIG fund is in a roller over IRA and the Alley money is taxable.

Yeah I missed a few decimal points!
by zaplunken
Thu Apr 16, 2015 8:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Parking money in a tax free muni bond fund?
Replies: 14
Views: 1386

Re: Parking money in a tax free muni bond fund?

Forgot to answer this one: My crystal ball is cloudy yours is clear? The way things are going rates could drop to 1.6% or 1.5% 1o year T note now I didn't offer that as I am not expecting it but if it happened the return would be far more than 2.5%. Again this is tax free so there is a multiplier f...
by zaplunken
Thu Apr 16, 2015 8:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Parking money in a tax free muni bond fund?
Replies: 14
Views: 1386

Re: Parking money in a tax free muni bond fund?

I don't want any CDs as I don't want to tie up money for any specific term and get 1% or 1.5% if that's even possible. Oh brother. CDs with early withdrawal option and 1% savings accounts (which you can find online) are among the very few instruments that fit this description while paying above 0.1...
by zaplunken
Wed Apr 15, 2015 5:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Parking money in a tax free muni bond fund?
Replies: 14
Views: 1386

Parking money in a tax free muni bond fund?

Just for background I have a 50/50 portfolio comprised of Vanguard MF - Total Stock Market, Total International Stock Market, Midcap Value, Healthcare, Intermediate Term Investment Grade Bond, Short Term Investment Grade Bond and money left in my 401k Stable Value paying 3.25% which is why I left it...
by zaplunken
Wed Apr 15, 2015 5:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Parking money in a tax free muni bond fund?
Replies: 14
Views: 1386

Re: Whats a good Pistol to buy?

I just got an email from Ruger the other day. They have a SP101 in .327 Federal magnum, a caliber you seldom hear about. I looked up the stats and this is an amazing caliber. The 327 Federal SP101 is a 6 round (vs 5 for the 38 Special and 357 magnum). It comes in just 4.2" barrel (vs the 2.25&q...
by zaplunken
Wed Apr 01, 2015 5:23 pm
 
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 112
Views: 8794

Re: Cheap ammo

These guys have very good prices for new and reloads I doubt they sell 22 ammo. The people at a gun forum I am on have shot hundreds of thousands of rounds of their ammo and everyone loves it. I will be buying from them when I need some. Free shipping on your 1st order. http://www.freedommunitions.c...
by zaplunken
Wed Apr 01, 2015 4:49 pm
 
Forum: Personal Consumer Issues
Topic: Cheap ammo
Replies: 32
Views: 3550

Re: Need a new sub-forum for guns?

It's probably just me but I don't see the point of asking gun questions on an investing forum. I wouldn't go to a gun forum to get investing advice. I wouldn't go to a craft forum for gardening advice. I am active on a gun forum, and you would be surprised how many investment related questions turn...
by zaplunken
Wed Apr 01, 2015 4:13 pm
 
Forum: Forum Issues and Administration
Topic: Need a new sub-forum for guns?
Replies: 25
Views: 2230

Re: Guns for hunting/defense

<snip>If you can have someone rack the slide for you and leave it as it should be kept loaded with one in the pipe then all you need to do is shoot. 20 rounds may not be enough but 1 shot may be all that is needed, as I said all situations are unique. Also having another 19 round mag would allow yo...
by zaplunken
Mon Mar 02, 2015 3:42 pm
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 134
Views: 8287

Re: Guns for hunting/defense

All, When taking an advanced defensive pistol course, the instructor said something I'll never forget. "There is no such thing as an accidental shooting...someone doesn't follow correct firearm handling protocol. That's what really happens." So, next time you read about an accidental shoo...
by zaplunken
Fri Feb 27, 2015 10:47 pm
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 134
Views: 8287

Re: Guns for hunting/defense

zaplunken , there is so much wisdom, so much good advice in what you wrote, you deserve some sort of Boglehead accolade - the Academy award for absolute best supreme guns for self defense screenwriting...! :sharebeer (Would dearly love to steal another's poster;s tag line "When seconds count, ...
by zaplunken
Fri Feb 27, 2015 4:46 pm
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 134
Views: 8287

Re: Guns for hunting/defense

There has been a lot of good advice and some not so good. I don't hunt so I'll just discuss SD firearms. A rifle or shotgun isn't a good choice inside a house IMO as distances are typically very close. Unless you live in a very large house you'll probably be confronting the BG at 5-15'. Pointing a r...
by zaplunken
Thu Feb 26, 2015 9:39 pm
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 134
Views: 8287

Re: Planting garlic

Been growing it for years and in your zone (5a) so I know what to do. You need loose friable soil if you need to hammer a stick into the ground to get a hole forget it! 3" deep is better than 2", mulch with 4-5" of straw or shredded leaves to prevent heaving, remove all mulch leaving ...
by zaplunken
Thu Oct 23, 2014 8:12 pm
 
Forum: Personal Consumer Issues
Topic: Planting garlic
Replies: 10
Views: 1300

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

In your personal life (not the govt job) I'd ask how many sites are important to you. If it is 1 then memorize a good strong userid and password. I suspect it is a lot more than 1 so IMO you need to use a password safe. There are many, I use KeePass and find it suits my needs.
by zaplunken
Sun Aug 17, 2014 4:27 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 9408

Re: Removing a beehive from mailbox newspaper holder

Probably yellow jackets as they nest underground. Yellow jackets are aggressive and get mean in August, meaner than they typically are! Add to that they don't have a barbed stinger so they can string repeatedly. You really don't want to mess with them but I still say Bald Faced Hornets make them loo...
by zaplunken
Thu Aug 14, 2014 4:28 pm
 
Forum: Personal Consumer Issues
Topic: Removing a beehive from mailbox newspaper holder
Replies: 43
Views: 5092

Re: Two factor identification and your password safe

How's this for random - mkw*319V28Jhf(7102L^bti! and none of that means anything. I am my own randomizing device. It's low in duplicates, high in digits and low in special characters compared to the expected results for a true random string. Low in duplicates and low in special characters are thing...
by zaplunken
Mon Aug 11, 2014 5:38 pm
 
Forum: Personal Consumer Issues
Topic: Two factor identification and your password safe
Replies: 31
Views: 2126

Re: Two factor identification and your password safe

Yes, you absolutely need 2 factor authentication. For starters, 2FA protects you in cases where your password has already been compromised somehow. The problem with a unique 2nd factor each time (I believe Google sends this to a phone) is I don't have a phone that can receive a text but I think the...
by zaplunken
Sun Aug 10, 2014 10:26 pm
 
Forum: Personal Consumer Issues
Topic: Two factor identification and your password safe
Replies: 31
Views: 2126

Re: Two factor identification and your password safe

But my question has to do with a password safe on my flashdrives. This isn't about 2f id at Amazon or Ebay et al. Unless someone gets into my pc my safe is off limits to the internet and even then it is on 2 flashdrives because I removed it from the C drive so one of them would have to be plugged in...
by zaplunken
Sun Aug 10, 2014 10:18 pm
 
Forum: Personal Consumer Issues
Topic: Two factor identification and your password safe
Replies: 31
Views: 2126

Re: Two factor identification and your password safe

My real master password is nothing like your example. It is totally random characters, there isn't any rhyme or reason to it. By "totally random" do you mean you selected it using something like drawing cards, throwing dice or a well designed random number generator? If you picked it with...
by zaplunken
Sun Aug 10, 2014 9:06 pm
 
Forum: Personal Consumer Issues
Topic: Two factor identification and your password safe
Replies: 31
Views: 2126

Re: Two factor identification and your password safe

The problem with a unique 2nd factor each time (I believe Google sends this to a phone) is I don't have a phone that can receive a text but I think they can send a voice code. But this is for a safe no external source would send me anything so the 2nd factor would be the same until I change it. I s...
by zaplunken
Sun Aug 10, 2014 3:12 pm
 
Forum: Personal Consumer Issues
Topic: Two factor identification and your password safe
Replies: 31
Views: 2126

Re: Two factor identification and your password safe

The problem with a unique 2nd factor each time (I believe Google sends this to a phone) is I don't have a phone that can receive a text but I think they can send a voice code. But this is for a safe no external source would send me anything so the 2nd factor would be the same until I change it. I st...
by zaplunken
Sun Aug 10, 2014 2:51 pm
 
Forum: Personal Consumer Issues
Topic: Two factor identification and your password safe
Replies: 31
Views: 2126

Re: Two factor identification and your password safe

It is possible that your password could be cracked more easily than indicated on that site. For example, if your password is qwertyuiopasdfghjklzxcvbnm it will be cracked very quickly even though 26 random lowercase letters would indeed be virtually uncrackable. Beyond that, there are other problem...
by zaplunken
Sun Aug 10, 2014 2:35 pm
 
Forum: Personal Consumer Issues
Topic: Two factor identification and your password safe
Replies: 31
Views: 2126

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

This has been the most enlightening post on hashing and salting encryption of passwords. I knew the terms and I knew they involved encryption, but how they functioned, I was not familiar. Thanks for a most educational post. Really! I always follow threads about password security here and I have rea...
by zaplunken
Sun Aug 10, 2014 2:25 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 9408

Two factor identification and your password safe

So if you use a site like this https://www.grc.com/haystack.htm to determine how long it would take to crack your password do you think you need to use two factor identification with your password safe? I entered a password "like" my master password just changing the letters, numbers and s...
by zaplunken
Sun Aug 10, 2014 2:03 pm
 
Forum: Personal Consumer Issues
Topic: Two factor identification and your password safe
Replies: 31
Views: 2126

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

I had fun with "Danny" the other day, a man with an Indian accent. He was selling solar panels. I jerked him around for over 5 minutes until he finally gave up. I told him I live underground and I have not seen the sun for 20-30 years. Hard to believe he kept on after that comment! He aske...
by zaplunken
Sun Aug 10, 2014 1:06 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 107
Views: 9733

Re: Telephone Calls! Help!

NOMOROBO doesn't work everywhere, it is not available in my location. I have just a land line through my cable company. I have Caller ID which is great. My phone also allows me to assign several different ring tones for a phone number I program into the speed dialing feature. So I use 2 ring tones. ...
by zaplunken
Fri Aug 08, 2014 4:58 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 107
Views: 9733

Re: Cloud Base Password Manager

I use KeePass but I don't trust putting it in the cloud because I don't know how secure that is and I don't understand how that works. Who's to say it can't be hacked having it out in the ether? I removed the database from my C drive after I copied it to 2 flashdrives, one is a backup. So now even i...
by zaplunken
Fri Aug 08, 2014 3:20 pm
 
Forum: Personal Consumer Issues
Topic: Cloud Base Password Manager
Replies: 14
Views: 1093

Re: Removing a beehive from mailbox newspaper holder

Different flying stinging insects (shape, size and aggression level) build paper nests so not all are the same or are aggressive. I have been watching a Bald Faced Hornet's (very nasty not to be fooled with!) nest for over a month and it is not growing in size much to my surprise. A few years ago I ...
by zaplunken
Fri Aug 08, 2014 2:19 pm
 
Forum: Personal Consumer Issues
Topic: Removing a beehive from mailbox newspaper holder
Replies: 43
Views: 5092

Re: Will not using my dishwasher cause problems?

As for the dishwater, why not remove it and have a carpenter come in and design a use for that space. In my new kitchen, I would do that in a minute but my wife would go crazy. I have 2x the cabinet space I need so the last thing I need is more cabinet space! It's fine just sitting there with the w...
by zaplunken
Sun Aug 03, 2014 9:32 pm
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 51
Views: 4116

Re: Removing a beehive from mailbox newspaper holder

Hint: For years, the wasps annually took over my sprinkler system control box. I'd get rid of them, and they'd return. Until I received the tip about the most amazing nest prevention: http://www.amazon.com/Tanglefoot-300000430-Waspinator/dp/B002BKMO42/ref=sr_1_5?ie=UTF8&qid=1371926656&sr=8-...
by zaplunken
Sun Aug 03, 2014 9:28 pm
 
Forum: Personal Consumer Issues
Topic: Removing a beehive from mailbox newspaper holder
Replies: 43
Views: 5092

Re: Will not using my dishwasher cause problems?

Thanks. I'll just turn the water off and forget about it.
by zaplunken
Thu Jul 24, 2014 8:04 am
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 51
Views: 4116

Re: Will not using my dishwasher cause problems?

How is it possible you never use the dishwasher? If you are washing everything by hand, I think you should change. From a water usage and dollar standpoint, using the dishwasher is more efficient and of course time saving. Huh? Because I wash by hand. I never bought that "it's cheaper to run t...
by zaplunken
Wed Jul 23, 2014 8:29 pm
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 51
Views: 4116

Re: why it pays to make purchases with a credit card

My credit card doubles the warranty period when purchased with the card.
by zaplunken
Wed Jul 23, 2014 4:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: why it pays to make purchases with a credit card
Replies: 15
Views: 4030

Re: Will not using my dishwasher cause problems?

So having not run it for 4 years, maybe longer, it seems that I'm potentially asking for trouble with leaks? I never wanted it but it's there. So maybe it's safer to just let it be, don't run it and some day a new owner can buy a new one? I don't know if I'd be selling the house in 1,2,10 years, ever.
by zaplunken
Wed Jul 23, 2014 4:13 pm
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 51
Views: 4116

Re: Snake!

Not that it really matters, but I figured I'd throw this out there just so we're all on the same page,... snakes are either venomous or non-venomous. Using "poisonous" is incorrect. To the OP, I bet the snake was just exploring or finding a dark place for a nap. He won't stay long. FINALL...
by zaplunken
Wed Jul 23, 2014 3:59 pm
 
Forum: Personal Consumer Issues
Topic: Snake!
Replies: 51
Views: 4495

Will not using my dishwasher cause problems?

I have a Frigidaire Gallery (model FDB636GFT0) dishwasher that we purchased new in 1999, it has been used probably less than 50 times. I haven't used it more than 10 times in the past 10 years and probably the last time I ran it was a good 4 years ago. Will it just sit and be useable in the future o...
by zaplunken
Wed Jul 23, 2014 3:48 pm
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 51
Views: 4116

Re: Removing a beehive from mailbox newspaper holder

I was at my sisters yesterday. There's a large Japanese Yew bush next to the steps going to the front door. There are 5-10 bees coming and going all the time. They are a little smaller than a honeybee but look like a honeybee. She says they are not bothering her and it's been like this for a month o...
by zaplunken
Wed Jul 23, 2014 3:29 pm
 
Forum: Personal Consumer Issues
Topic: Removing a beehive from mailbox newspaper holder
Replies: 43
Views: 5092

Re: Garden 2014

My corn is about 5ft now, some showing 3 silks, but something is eating the leaves. What is commonly used to stop these critters? It depends upon what the problem is. If it is a caterpillar then BT is effective and organic essentially harmless to all but caterpillars unless you grow that GM crap &q...
by zaplunken
Wed Jul 09, 2014 10:05 pm
 
Forum: Personal Consumer Issues
Topic: Garden 2014
Replies: 46
Views: 4754

Re: Garden 2014

Little update here. This morning I harvested a large head of cauliflower, but looking on the internet, it was probably harvested a bit early. Does anyone here have luck with secondary shoots for cauliflower (similar to brocolli)? Speaking of which, I also picked a large center crown of brocoli and ...
by zaplunken
Wed Jul 09, 2014 9:03 pm
 
Forum: Personal Consumer Issues
Topic: Garden 2014
Replies: 46
Views: 4754

Re: Help! Mom fell for scam--computer hacked?

Best advice was to wipe the hard drive clean then reinstall the OS and load the software for whatever devices she has or software she uses. Would it be unsafe to put any file back on the pc (spreadsheets, word doc, pictures et al) if they were from the c drive? If these files were backed up off line...
by zaplunken
Mon May 19, 2014 2:22 pm
 
Forum: Personal Consumer Issues
Topic: Help! Mom fell for scam--computer hacked?
Replies: 30
Views: 4241

Re: Squirrels ate through sceen, plastic & wood to get bird

Ever heard of a chipper dipper? Bucket of water half way -- dump sunflower seeds into water -- put a nice little ramp to the top of the bucket. SPLASH! So this will attract the squirrels and they fall into the bucket but can't get out? I'd assume you need a 5 gallon at a minimum? This sounds toooo ...
by zaplunken
Mon May 19, 2014 2:00 pm
 
Forum: Personal Consumer Issues
Topic: Squirrels ate through sceen, plastic & wood to get bird feed
Replies: 37
Views: 2462

Re: Squirrels ate through sceen, plastic & wood to get bird

Ever heard of a chipper dipper? Bucket of water half way -- dump sunflower seeds into water -- put a nice little ramp to the top of the bucket. SPLASH! So this will attract the squirrels and they fall into the bucket but can't get out? I'd assume you need a 5 gallon at a minimum? This sounds toooo ...
by zaplunken
Sun May 18, 2014 5:03 pm
 
Forum: Personal Consumer Issues
Topic: Squirrels ate through sceen, plastic & wood to get bird feed
Replies: 37
Views: 2462

Re: squirrel question

granpa wrote:Need to know how far to relocate nuisance squirrels to keep them from coming back???


1 foot deep should solve the problem. :twisted:
by zaplunken
Sun Apr 13, 2014 7:43 pm
 
Forum: Personal Consumer Issues
Topic: squirrel question
Replies: 13
Views: 1377

Re: Mouse over thread title to see content?

Sorry for the thread hijack. It's not under consideration at the moment. There are a lot of good ideas presented in the forum, but we're resource limited and tend to stay with the "stock" configuration to reduce the workload. To be clear, that mod is only for viewing the forums directly, ...
by zaplunken
Tue Mar 18, 2014 8:02 am
 
Forum: Forum Issues and Administration
Topic: Mouse over thread title to see content?
Replies: 21
Views: 3902

Re: Mouse over thread title to see content?

Here is what I get for this thread: http://www.bogleheads.org/forum/viewtopic.php?f=3&t=133223&newpost=1998085 http://www.bogleheads.org/forum/viewtopic.php?f=3&t=133223 Whoa nelly. Talk about inconsistency! Why newpost for one and not the other. Plus, the link with newpost doesn't actu...
by zaplunken
Mon Mar 17, 2014 5:24 pm
 
Forum: Forum Issues and Administration
Topic: Mouse over thread title to see content?
Replies: 21
Views: 3902

Re: Cheap ammo

Yeah back in the early 70's I used to buy a brick too but I forget the price. I do remember a box of 50 shorts were 50 cents but then gas was 30 - 31 cents a gallon.
by zaplunken
Sun Mar 16, 2014 7:26 pm
 
Forum: Personal Consumer Issues
Topic: Cheap ammo
Replies: 32
Views: 3550

Re: Cheap ammo

I am shocked anyone would recommend Cheaper Than Dirt - they are VERY expensive and gouged on ammo and firearms badly all last year , please don't patronize someone that does that. Walmart is as good as it gets for prices around here and the ammo shortage is loosening up. Most ammo is readily availa...
by zaplunken
Sun Mar 16, 2014 6:26 pm
 
Forum: Personal Consumer Issues
Topic: Cheap ammo
Replies: 32
Views: 3550

Re: Any indoor seed starters?

I've been doing this for decades. Don't try to grow vegetables in a window, they will but it is a poor system. The sun is filtered, the plants grow towards the light vs straight up and it is cold. I grow under 4' shop lights, buy the cheapest bulbs they work fine and DO NOT leave them on 24 hours a ...
by zaplunken
Sun Mar 16, 2014 6:12 pm
 
Forum: Personal Consumer Issues
Topic: Any indoor seed starters?
Replies: 30
Views: 1778
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