Search found 865 matches

by zaplunken
Wed Apr 11, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 191
Views: 21379

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

After 385 miles, that is a significant change. It seems you are in "lemon" area. I would start with a "fix this or take this car back" discussion. These type of issues are very draining for me. I am a "fixer". Sometimes there are no fixes. We had a 2007 Honda Odyssey with the worst transmission in ...
by zaplunken
Tue Mar 27, 2018 7:37 am
Forum: Investing - Theory, News & General
Topic: So... What bond fund or bond-like instrument do you use?
Replies: 68
Views: 7486

Re: So... What bond fund or bond-like instrument do you use?

Agree with many comments above - your "bond" allocation is really your fixed income and not necessarily in bonds or a fund. CDs, bank accounts, Prime Money Market are all part of a "bond" allocation.
by zaplunken
Mon Mar 26, 2018 6:43 pm
Forum: Investing - Theory, News & General
Topic: So... What bond fund or bond-like instrument do you use?
Replies: 68
Views: 7486

Re: So... What bond fund or bond-like instrument do you use?

It's been a while since low interest rates started. And all of our fears of hyperinflation seems to have went up in smoke (I certainly had some during 2008). What funds are you guys using these days, assuming we have no predictive power or whether the future with be deflationary or hyperinflationar...
by zaplunken
Sun Mar 18, 2018 7:04 pm
Forum: Investing - Theory, News & General
Topic: Best way to hold cash in retirement accounts??
Replies: 57
Views: 6233

Re: Best way to hold cash in retirement accounts??

Why not just put your safe money into the Prime Money Market fund in your taxable account and not worry about duration of bond funds? If interest rates don't go up then duration isn't a problem but if they do then they lose nav. The interest rate on the PMM fund is 1.6% for the Investor shares, you ...
by zaplunken
Sun Mar 18, 2018 3:33 pm
Forum: Forum Issues and Administration
Topic: Fewer Readers Despite Continued Market Volatility
Replies: 16
Views: 2401

Re: Fewer Readers Despite Continued Market Volatility

I've been too busy market timing! :wink:
by zaplunken
Mon Feb 19, 2018 7:31 pm
Forum: Investing - Theory, News & General
Topic: Old 401k Statements
Replies: 9
Views: 856

Re: Old 401k Statements

I have end of year statements from 1988 to present. I look at them rarely but it is interesting to walk down memory lane once in a while and see my contributions, the company's and the growth. They really aren't necessary except for the current last year but I like saving paper.
by zaplunken
Thu Feb 15, 2018 7:58 am
Forum: Investing - Help with Personal Investments
Topic: The Prime Money Market vs the Short Term Investment Grade bond fund question
Replies: 17
Views: 2687

Re: The Prime Money Market vs the Short Term Investment Grade bond fund question

Safer than some of the others being a treasury fund but the duration is high with basically the same yield as the Ultra Short Term fund. Duration is something I am trying to avoid but thanks for the info.
by zaplunken
Tue Feb 13, 2018 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: The Prime Money Market vs the Short Term Investment Grade bond fund question
Replies: 17
Views: 2687

Re: The Prime Money Market vs the Short Term Investment Grade bond fund question

True we don't know how the STIG or the PMM funds will behave when the Fed raises rates, isn't mid March the next meeting? I am thinking funds both will move a little, the increase from 2.6x% to 2.8x% was so fast that it was surprising and that was on inflation fears and the fear of a 4th rate hike. ...
by zaplunken
Tue Feb 13, 2018 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: The Prime Money Market vs the Short Term Investment Grade bond fund question
Replies: 17
Views: 2687

Re: The Prime Money Market vs the Short Term Investment Grade bond fund question

I came across this quote from another thread Since the rule of thumb is interest rate change X years of duration = NAV change, we can reasonable expect three interest rate increases of .25% to decrease a fund with a 2.76 year duration an additional 2.07% of NAV or so this coming year. The duration o...
by zaplunken
Tue Feb 13, 2018 3:33 pm
Forum: Investing - Theory, News & General
Topic: Attention Sqawk Box viewers
Replies: 16
Views: 1632

Re: Attention Sqawk Box viewers

I love Joe Kernen for his conservative views and for his harassment of Andrew Ross Sorkin whom I can't stand. The one thing I don't like about Joe is he will yell over other people making any attempt at listening just about impossible. I'm hoping Sorkin will take a job at the NT Times where he can b...
by zaplunken
Tue Feb 13, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 129
Views: 7704

Re: Are Password Managers Really Necessary?

It is amazing that people create terrible systems that they think are brilliant when a safe and secure password manager can be had for free. :oops: OK by me, I'm not the low hanging fruit. :beer
by zaplunken
Sun Feb 11, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 129
Views: 7704

Re: Are Password Managers Really Necessary?

I would read at their website. Many are, I know that KeePass is not. Many feel safe with being in the cloud but I do not. YMMV.

ETA if it is in the cloud I doubt you can move it to your device (pc, phone, tablet).
by zaplunken
Sun Feb 11, 2018 5:15 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 166
Views: 30841

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

I just checked Vanguard and Ally. The PMM is paying 1.45% (it was 1.43% a couple of days ago) and Ally Online Saving Account is paying 1.45% (it was 1.35% a couple of days ago). Even if Ally was still at 1.35% moving all the money to Vanguard isn't worth the time to get 10 bp more. I suspect the 2 w...
by zaplunken
Sun Feb 11, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 129
Views: 7704

Re: Are Password Managers Really Necessary?

Oh I love these password manager threads and I have read every one of them for the past 8-10 years. :D I use a password manager and I keep it off line and I would never put it in the cloud. I worked in IT most of my life and understand when the experts tell you to never do this or don't do that I li...
by zaplunken
Sun Feb 11, 2018 2:23 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Taylor!
Replies: 84
Views: 4366

Re: Happy Birthday, Taylor!

So I'm a little late to the party and I didn't read all 80 posts so maybe someone already said this but...

Happy Birthday Taylor and many more to come! :sharebeer
by zaplunken
Sat Feb 10, 2018 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: The Prime Money Market vs the Short Term Investment Grade bond fund question
Replies: 17
Views: 2687

Re: The Prime Money Market vs the Short Term Investment Grade bond fund question

The 10 year Treasury note shot up about 20-25 bp in a week and the effect on the STIG fund was noticeable in the January statement. I made $219 in dividends for January but the balance dropped by $400 so that's a $619 loss in nav offset a bit by the dividend. If the 10 year goes up a few bp per mont...
by zaplunken
Sun Feb 04, 2018 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: The Prime Money Market vs the Short Term Investment Grade bond fund question
Replies: 17
Views: 2687

Re: The Prime Money Market vs the Short Term Investment Grade bond fund question

I haven't paid a penny in state income tax since I retired over 10 years ago but RMDs will definitely cause that to happen. I'll look at your link and the Treasury Money Market fund. I prefer to park the STIG money for a number of years, I don't see any reason to allocate it to something else but wh...
by zaplunken
Sun Feb 04, 2018 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: The Prime Money Market vs the Short Term Investment Grade bond fund question
Replies: 17
Views: 2687

Re: The Prime Money Market vs the Short Term Investment Grade bond fund question

Thank you to both of you. Most of my portfolio is in taxed deferred, that's where all the fixed income is. I'm retired with no need for the income of the bond fund. A long term investment is not the same time frame as it used to be! I'm close to 70 and while I used to think in multiple decades re in...
by zaplunken
Sun Feb 04, 2018 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: The Prime Money Market vs the Short Term Investment Grade bond fund question
Replies: 17
Views: 2687

The Prime Money Market vs the Short Term Investment Grade bond fund question

I did a search on Prime Money Market (PMM) and found https://www.bogleheads.org/forum/viewtopic.php?f=10&t=239399&hilit=prime+money+market which is really just discussing the alternatives Larry suggested in his blog of a week ago. I read the thread and Larry's article. Other threads I found were not...
by zaplunken
Sat Jan 13, 2018 9:06 pm
Forum: Investing - Theory, News & General
Topic: What happened to Larry Kudlow's Saturday radio program?
Replies: 5
Views: 1021

Re: What happened to Larry Kudlow's Saturday radio program?

I just checked my podcast link http://www.wabcradio.com/2012/12/09/kudlowpodcasts/ and there is a show for today! I guess he's off WABC but the show is still on. I liked listening live but I guess I may have to sit at the pc to hear it now.
by zaplunken
Sat Jan 13, 2018 8:26 pm
Forum: Investing - Theory, News & General
Topic: What happened to Larry Kudlow's Saturday radio program?
Replies: 5
Views: 1021

Re: What happened to Larry Kudlow's Saturday radio program?

He has discussed that on CNBC but never in detail. He's very faithful about doing the show, even on holiday weekends other than Christmas he's on the air that's why I'm surprised he wasn't on today. I hope he is OK maybe on a vacation, I'd really miss his show. I missed his TV show when that ended.
by zaplunken
Sat Jan 13, 2018 8:06 pm
Forum: Investing - Theory, News & General
Topic: What happened to Larry Kudlow's Saturday radio program?
Replies: 5
Views: 1021

What happened to Larry Kudlow's Saturday radio program?

Is he off today (1/13/18) or has it been cancelled? I tried to find out but nothing Google brings up is any help. Is he on a different time? I listen on WABC 770 AM out of NYC from 11 am to 1 pm.

Mods if this isn't in the proper forum please move it, I couldn't decide where it should go.
by zaplunken
Sun Nov 19, 2017 3:46 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle, the world's richest man
Replies: 25
Views: 5398

Re: Jack Bogle, the word's richest man

Jack Bogle and Vanguard are the 9th wonder of the modern world.

Mr. Bogle has done more for me than Zuckerberg or Gates ever have or ever will. :sharebeer
by zaplunken
Sun Nov 19, 2017 3:41 pm
Forum: Personal Consumer Issues
Topic: Storing Lawn Tractor over the Winter
Replies: 36
Views: 2469

Re: Storing Lawn Tractor over the Winter

I live in the north and we have very cold winters tho it isn't like the upper midwest cold. I see a lot of recommendations to use Stabil but no one says which kind . For years I used the pink Stabil and then the guy who sharpens my mower blades and has run a power equipment business for 25 or 20 yea...
by zaplunken
Sun Oct 08, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: How Often Should I Have Chimney Cleaned (New England)?
Replies: 17
Views: 1896

Re: How Often Should I Have Chimney Cleaned (New England)?

mancich wrote:
Sun Oct 08, 2017 7:36 am
We do it yearly (we live in Hudson Valley area of NY) . We use the fireplace a lot and for a couple of hundred bucks it is cheap piece of mind.
You are charged a couple of hundred dollars to clean 1 chimney? :shock:
by zaplunken
Sat Oct 07, 2017 7:00 pm
Forum: Investing - Theory, News & General
Topic: So... What bond fund or bond-like instrument do you use?
Replies: 68
Views: 7486

Re: So... What bond fund or bond-like instrument do you use?

I kept a chunk of money in my 401k for the SV fund, last time I looked it was around 2.2 or 2.3%. I'm 50/50 (more like 52/48) and have 32% in the SV fund, 12% in Vang Short Term Investment Grade fund and about 5% in cash.
by zaplunken
Sat Oct 07, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 8585

Re: Do you want your receipt?

Exactly! I'm shocked anyone would say no. I guess they just pay whatever the cc statement says or the minimum. How often have you discovered fraud or mistakes when reconciling your paper receipts with the credit card statement? A few times but it has been very infrequent. I save the slips and when ...
by zaplunken
Sat Oct 07, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: Chrome vs Firefox
Replies: 34
Views: 5424

Re: Chrome vs Firefox

I forgot to add in my post that I often have 20-25 tabs opened at a time for about 5 minutes. On rare occasions I had 40-45 tabs open for about 5 minutes. Everything functioned as it should. Win 7 64 bit OS.
by zaplunken
Sat Oct 07, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: Chrome vs Firefox
Replies: 34
Views: 5424

Re: Chrome vs Firefox

With FF ver 55.x.x things started to not function and other things were running slow. V 56.x.x is a bit better but still not like it was prior to v 55.x.x So I disabled the "legacy" addons or extensions I forget which they are called (AdBlock+ for example), I had 3 and then it really got bad, I was ...
by zaplunken
Sat Oct 07, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: How Often Should I Have Chimney Cleaned (New England)?
Replies: 17
Views: 1896

Re: How Often Should I Have Chimney Cleaned (New England)?

A fireplace burns fast and hot, no way to control the air so they are less likely to accumulate creosote. I'd say every 5 years but I'd burn hardwood not pine or other evergreens that have a ton of pitch in them. For a woodstove every year especially if you use it as a primary heat source.
by zaplunken
Sat Oct 07, 2017 3:52 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 8585

Re: Do you want your receipt?

mickeyd wrote:
Sat Oct 07, 2017 3:35 pm
I always demand a receipt and check them against the monthly statement. How else can you check for fraud accurately?
Exactly! I'm shocked anyone would say no. I guess they just pay whatever the cc statement says or the minimum.
by zaplunken
Tue Oct 03, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 58130

Re: Equifax customer information leak

Yesterday I got the info from Innovis and ChexSystems, almost 3 weeks so they are getting it out just swamped.
by zaplunken
Thu Sep 28, 2017 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 58130

Re: Equifax customer information leak

My credit report has been frozen at the 3 majors for years. I assume my insurance company checks upon renewal each year but I never have received an email stating they were accessed. When I unfroze one to increase a credit card limit that did generate an email to me. I guess whatever the insurance c...
by zaplunken
Wed Sep 27, 2017 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 58130

Re: Equifax customer information leak

Without info I would expect them to not open an account but being a bank and not selling products/extending credit I see your point. to get a loan from the bank I trust that would be prevented.
by zaplunken
Wed Sep 27, 2017 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 58130

Re: Equifax customer information leak

I put in a security freeze at ChexSystems on 9/12. As fate would have it, I needed to open a savings account last week. The bank said to me "are you aware that you have a security freeze in on your account?" I said "yes." And that was all there was to it. I didn't need to lift the freeze in order t...
by zaplunken
Wed Sep 27, 2017 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 58130

Re: Equifax customer information leak

A freeze is a minor effort, a freeze is the real deal. Read what the differences are at one of the sites. zaplunken: A typo? Which is the "minor" effort? If you go to the credit bureau websites and read the differences you'll see a freeze locks your credit report so no one can gain access to it and...
by zaplunken
Wed Sep 27, 2017 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 58130

Re: Equifax customer information leak

A freeze is a minor effort, a freeze is the real deal. Read what the differences are at one of the sites. zaplunken: A typo? Which is the "minor" effort? If you go to the credit bureau websites and read the differences you'll see a freeze locks your credit report so no one can gain access to it and...
by zaplunken
Tue Sep 26, 2017 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 58130

Re: Equifax customer information leak

An alert is a minor effort, a freeze is the real deal. Read what the differences are at one of the sites.
by zaplunken
Tue Sep 26, 2017 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 58130

Re: Equifax customer information leak

How is the average person suppose to 1) understand the ramifications of all this, and 2) actually put it all into place? Most people I know eye's understandably glaze over at the topic and/or feel paralyzed by it all. Good point. Honestly I felt I had everything really under control and locked down...
by zaplunken
Sun Sep 24, 2017 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 58130

Re: Equifax customer information leak

I'm concerned. On 9/12 I ordered a credit report from Innovis, they said 3-5 business days, where the heck is it? On 9/13 I went to the Chex Systems and requested a freeze and they said I'd get a letter with a pin and instructions in 3 business days, where the heck is it? I'm going to try to call or...
by zaplunken
Sat Sep 16, 2017 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 58130

Re: Equifax customer information leak

I decided to change the pin to unlock my credit. I have the pin #. I froze my credit report a few years old and when I did that I did not create an account because I don't have a userid or password. I clicked on everything at the Equifax site and nowhere does it address how to change my pin. Does an...
by zaplunken
Wed Sep 13, 2017 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 58130

Re: Equifax customer information leak

Medicare uses your SS as your id, how stupid is that? I hear this is changing to a plain old number but I'm not sure when.
by zaplunken
Wed Sep 13, 2017 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 58130

Re: Equifax customer information leak

I just did a security freeze with ChexSystems based upon replies to my question why them too. The security code you have to enter was almost impossible to get right . Upper or lower case? Mixed? 10 freaking trys before it was accepted cuz you get a new one each time and it's impossible to figure out...
by zaplunken
Tue Sep 12, 2017 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 58130

Re: Equifax customer information leak

Thanks. I doubt I'll need to open any bank accounts unless I move to another state which I doubt but who knows. It doesn't seem I need to be concerned then especially when you say there are a lot of these. I'm trying to hit all the bases having just found out about Innovis. I have had the same bank ...
by zaplunken
Tue Sep 12, 2017 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 58130

Re: Equifax customer information leak

I never heard of Chexsystems, I went to the link provided here. It appears they are not a credit bureau where I can order a credit report but rather a system to freeze my credit report? I read the FAQ but this is still confusing. Why would I freeze my credit with them? I understand the other 4 but t...
by zaplunken
Tue Sep 12, 2017 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Consumer Reports guide to the Equifax breach
Replies: 16
Views: 3567

Re: Consumer Reports guide to the Equifax breach

I would be hesitant to go to Equifax's site after this breech for anything (not that I did anyway) but when I saw the spelling of "their" check to see if you are a victim site bells rang, red flags popped up. Forget their free credit monitoring, they didn't so such a good job protecting our data why...
by zaplunken
Tue Aug 22, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: "Forget Tough Passwords: New Guidelines Make It Simple"
Replies: 43
Views: 6278

Re: "Forget Tough Passwords: New Guidelines Make It Simple"

Using words that are in dictionaries, whether English or any other language, common phrases, info about yourself (SS, birthdate, address, phone, license plate) are all dangerous regardless of length tho longer is safer. I always use the site's maximum length allowed, whatever mixture of upper/lower ...
by zaplunken
Tue Aug 22, 2017 6:22 pm
Forum: Personal Consumer Issues
Topic: LibreOffice
Replies: 24
Views: 3180

Re: LibreOffice

I have been using LO for 2 years. I had used Open Office for several years and when I replaced my pc (local shop Win 7 64 bit OS) he loaded LO not OO cuz he said it was better. All my documents and spreadsheets converted fine when I opened and modifies them using LO. It looks close to OO. Lots of ed...
by zaplunken
Tue Aug 22, 2017 3:50 pm
Forum: Local Chapters and Bogleheads Community
Topic: Is the Munchkin MAN still alive?
Replies: 16
Views: 5726

Re: Is the Munchkin MAN still alive?

MM Goes to the Beach was a funny story. I miss the MM. I have pme'd the MM at BH. He was always very polite. I miss the MM. Please come back MM.