Search found 192 matches

by deci02
Thu Jan 12, 2017 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Credit report errors
Replies: 16
Views: 962

Re: Credit report errors

There are thousands of credit cards (and credit unions) out there. Problem is easily solved by voting with your feet. I would also recommend having a minimum of 2 major credit cards. Pushed a little with my credit union about my problem and they they think they've discovered a format error on their...
by deci02
Thu Jan 12, 2017 7:13 am
Forum: Personal Finance (Not Investing)
Topic: Credit report errors
Replies: 16
Views: 962

Re: Credit report errors

you can file a complaint with the Consumer Financial Protection Bureau. You can file a complaint online or via phone or mail: Online: m Phone: (855) 411-CFPB (2372) Mail: Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 You should also file the same complaint with your state...
by deci02
Thu Jan 12, 2017 6:38 am
Forum: Personal Finance (Not Investing)
Topic: Credit report errors
Replies: 16
Views: 962

Re: Credit report errors

Is it BoA? I've heard that some credit card issuers don't report your updates in a way that allows for what you want. It might be easier to get a 1 or 2 more cards, from a different issuer, than to try and beat the bureaus into submission. Issuer is a local community credit union. I only encounter ...
by deci02
Thu Jan 12, 2017 6:10 am
Forum: Personal Finance (Not Investing)
Topic: Credit report errors
Replies: 16
Views: 962

Re: Credit report errors

Is the problem with the credit bureau or with the bank who issues the card and feeds the information to them? Is it one of those credit cards that does not have a pre-set spending limit? Some of them even tell you what your limit is, but it is not "official" and isn't reported. No it has ...
by deci02
Thu Jan 12, 2017 6:06 am
Forum: Personal Finance (Not Investing)
Topic: Credit report errors
Replies: 16
Views: 962

Re: Credit report errors

... It might be easier to get a 1 or 2 more cards, from a different issuer, than to try and beat the bureaus into submission. BTW if the problem is with Experian I'm not even sure another card from another issuer wouldn't encounter the same problem if, for instance, there's some persistent data ent...
by deci02
Thu Jan 12, 2017 1:08 am
Forum: Personal Finance (Not Investing)
Topic: Credit report errors
Replies: 16
Views: 962

Re: Credit report errors

It's a credit card. Revolving credit with a monthly limit. I do always pay off the balance each month however to avoid interest rate charges.
by deci02
Thu Jan 12, 2017 12:51 am
Forum: Personal Finance (Not Investing)
Topic: Credit report errors
Replies: 16
Views: 962

Credit report errors

Any ideas how to solve a problem where one of the credit bureaus (Experian) incorrectly uses my high balance on a credit card as my credit limit thus giving me a false high utilization rate and dinging my credit score? The other two major bureaus always report the correct limit. When I dispute it wi...
by deci02
Thu Mar 17, 2016 1:23 pm
Forum: Personal Consumer Issues
Topic: Tub Cleaning Issue - Soap Scum
Replies: 32
Views: 5163

Re: Tub Cleaning Issue - Soap Scum

daveatca wrote:1. Stop using soap. It contains fats. Start using body wash. A significant reduction in residue.
http://www.realsimple.com/beauty-fashio ... ody-wash-0

2. Try a mixture of hydrogen peroxide and baking soda. Scrub after letting it sit.


Mixture of baking soda & vinegar can work too.
by deci02
Mon Mar 14, 2016 10:14 am
Forum: Investing - Theory, News & General
Topic: Life Expectancy Percentiles
Replies: 14
Views: 2536

Re: Life Expectancy Percentiles

So I am saying that the probability of a 60 year old male living to 90 is about 20%, to 100 about 1%. --I'd say. Others confirm. .. At age 60, there are 85,995 still alive (16.29% died in first 60 years) --Typo: s/b 14.005% have died. That table is for the ages in 2011, not 2016. Current SS longevi...
by deci02
Sat Feb 06, 2016 3:07 pm
Forum: Personal Consumer Issues
Topic: upgrade OS on older MAC?
Replies: 33
Views: 2652

Re: upgrade OS on older MAC?

As I understand it, Apple has a history of still providing support & security updates to the two previous incarnations of whatever OS is current. So as of now Mavericks & Yosemite are still supported along with the current El Capitan. OS 10.12 is rumored for late 2016 at which point Maverick...
by deci02
Tue Jan 05, 2016 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: IRS IP PIN Received Today but for Tax Year 2014?
Replies: 36
Views: 5246

Re: IRS IP PIN Received Today but for Tax Year 2014?

posted on IRS site: Understanding Your CP01A Notice This notice tells you about the Identity Protection Personal Identification Number (IP PIN) we sent you. Due to an error, taxpayers are receiving Identity Protection PIN letters with an incorrect year listed. Taxpayers and tax professionals should ...
by deci02
Tue Jul 14, 2015 10:47 am
Forum: Investing - Help with Personal Investments
Topic: 5 year CD @ 2.4% - a good deal?
Replies: 32
Views: 5586

Re: 5 year CD @ 2.4% - a good deal?

Of course, there's always the caveat that a bank or credit union could deny an early withdrawal, or increase the early withdrawal penalty on existing CDs. Kevin, interested in your opinion on any increased likelihood of banks exercising this early withdrawal denial option should rates increase sign...
by deci02
Sat May 30, 2015 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Trying to Login to Vanguard?
Replies: 22
Views: 2340

Re: Anyone Trying to Login to Vanguard?

Couldn’t get in using my old log in bookmark on Firefox. Tried log in from vanguard.com homepage & also failed. Worked fine with Chrome. Went back to Firefox, deleted all Vanguard cookies and tried log in from Vanguard.com homepage again. Worked. Set up a new log in bookmark from Vanguard log in...
by deci02
Fri Feb 20, 2015 2:28 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing, risks, and bear market implications
Replies: 6
Views: 1117

Re: Rebalancing, risks, and bear market implications

Yes, sounds like William Sharpe’s take . My understanding of Sharpe’s view is that when the market tumbles during a bear it's telling you there's more risk. Participants are demanding a higher expected return on their money to take that increased risk. So the price per share goes down. The market h...
by deci02
Fri Feb 20, 2015 1:35 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing, risks, and bear market implications
Replies: 6
Views: 1117

Re: Rebalancing, risks, and bear market implications

Yes, sounds like William Sharpe’s take. My understanding of Sharpe’s view is that when the market tumbles during a bear it's telling you there's more risk. Participants are demanding a higher expected return on their money to take that increased risk. So the price per share goes down. The market has...
by deci02
Tue Feb 17, 2015 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Anti-virus software on my MAC?
Replies: 20
Views: 2083

Re: Anti-virus software on my MAC?

As an extra precaution I’ve also disabled Flash due to it’s notorious zero day security vulnerabilites and have HTML5 as my default vid player in all browsers. I do still update Flash but if I find I still need to use it I usually rely on the automatically updated native pepper Flash plugin in Chrom...
by deci02
Mon Feb 16, 2015 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Anti-virus software on my MAC?
Replies: 20
Views: 2083

Re: Anti-virus software on my MAC?

See Linc Davis reply. (4th one down)

https://discussions.apple.com/thread/6801450
by deci02
Mon Feb 09, 2015 8:37 pm
Forum: Personal Consumer Issues
Topic: Health Insurer, Anthem, Hacked
Replies: 100
Views: 11572

Re: Health Insurer, Anthem, Hacked

Latest from Krebs. Fairly detailed forensics again pointing towards China.

http://krebsonsecurity.com/2015/02/anth ... pril-2014/
by deci02
Sat Feb 07, 2015 8:49 pm
Forum: Investing - Theory, News & General
Topic: When 60/40 just isn't appropriate
Replies: 182
Views: 28716

Re: When 60/40 just isn't appropriate

Nisi, Thanks for sharing your research. I've always been on the conservative side, particularly for a younger accumulator. What did you find to be optimum for large caps and intermediate term bonds? Thanks! The list of caveats on this stuff is so long I don't really want to post details. Everything...
by deci02
Mon Aug 25, 2014 11:37 am
Forum: Personal Consumer Issues
Topic: Earthquake Preparedness
Replies: 39
Views: 3224

Re: Earthquake Preparedness

I often hear stats in the news like there is an x% chance of a big earthquake in the Bay Area during the next ___ number of years. The Bay Area is big, though, and all locations are not likely to experience major damage. For example, there was a relatively big earthquake last night in the area yet ...
by deci02
Mon Jul 07, 2014 1:02 pm
Forum: Personal Consumer Issues
Topic: Animal battle Round 7: Raccoon pooping near house
Replies: 39
Views: 5037

Re: Animal battle Round 7: Raccoon pooping near house

Had a raccoon latrine problem at a rental some years back. Landlord cleaned it up and dusted area heavily with cayenne pepper. Also installed a scarecrow sprinkler. This solved the problem. Not sure if It has recurred. Moved from there a few months afterwards. m Dusting with cayenne is actually a g...
by deci02
Sat Jul 05, 2014 2:47 pm
Forum: Personal Consumer Issues
Topic: Animal battle Round 7: Raccoon pooping near house
Replies: 39
Views: 5037

Re: Animal battle Round 7: Raccoon pooping near house

Had a raccoon latrine problem at a rental some years back. Landlord cleaned it up and dusted area heavily with cayenne pepper. Also installed a scarecrow sprinkler. This solved the problem. Not sure if it has recurred. Moved from there a few months afterwards.

http://www.amazon.com/Contech-CRO101-Sc ... w+sprinkle
by deci02
Thu Feb 13, 2014 11:58 am
Forum: Local Chapters and Bogleheads Community
Topic: Pet peeve: When people refer to this forum as "Boggleheads."
Replies: 36
Views: 8133

Re: Pet peeve: When people refer to this forum as "Bogglehea

Literacy is not a strong point of this forum. How many posts have you seen about iBonds, Warren Buffet, bond principle? You can drag the C programmer out of the dungeon, but you cannot teach him new variable naming rules. If Sister Mary Margret couldn't get me to stop writing with my left hand by w...
by deci02
Mon Jan 27, 2014 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: [Need help finding health insurance in CA]
Replies: 54
Views: 3311

Re: Most expensive [coverdca.com plan] & no doctors accept i

Alex, thank you for unlocking this thread. I need this information. My best advice to the OP: Find a local ACA certified health insurance agent to talk to. They typically will be long time insurance agents who have applied and passed the certification requirements for giving advice on and/or enroll...
by deci02
Mon Jan 27, 2014 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: [Need help finding health insurance in CA]
Replies: 54
Views: 3311

Re: Most expensive [coverdca.com plan] & no doctors accept i

It's a muddle. All but grandfathered plans (specific plans enrolled in prior to 3/2010 and held unchanged since) must be ACA compliant whether purchased through the Covered CA exchange or directly from the insurer. The OP has no choice but to buy an ACA compliant plan. Typically an insurer's ACA com...
by deci02
Tue Jan 21, 2014 11:22 pm
Forum: Investing - Theory, News & General
Topic: Do people rebalance too quickly?
Replies: 43
Views: 3263

Re: Do people rebalance too quickly?

Why would you want a fixed percentage allocation? The usual answer is to have a fixed amount of risk, but that assumes the relative risk of stocks and bonds (and their subsets) have constant amounts of risk, which is not likely to be true. The other typical answer is to generate a rebalancing bonus...
by deci02
Tue Jan 21, 2014 10:59 pm
Forum: Investing - Theory, News & General
Topic: Do people rebalance too quickly?
Replies: 43
Views: 3263

Re: Do people rebalance too quickly?

Why would you want a fixed percentage allocation? The usual answer is to have a fixed amount of risk, but that assumes the relative risk of stocks and bonds (and their subsets) have constant amounts of risk, which is not likely to be true. The other typical answer is to generate a rebalancing bonus...
by deci02
Mon Jan 13, 2014 4:56 pm
Forum: Personal Consumer Issues
Topic: Dumb Mac Question [Adobe reader problem]
Replies: 30
Views: 2181

Re: Dumb Mac Question [Adobe reader problem]

Have used Preview for fillable IRS PDF's. Works fine. Hmm. I just checked my 2011 tax return. I could add information using Preview, but I noted that my social security number came as xxxxxxxxx in Preview, but xxx | xx | xxxx in Reader, the vertical bars being part of the form. Preview just wrote o...
by deci02
Mon Jan 13, 2014 4:17 pm
Forum: Personal Consumer Issues
Topic: Dumb Mac Question [Adobe reader problem]
Replies: 30
Views: 2181

Re: Dumb Mac Question [Adobe reader problem]

How does preview handle fillable forms? I think the reason I installed Reader was to fill out the IRS fillable forms the year I did my taxes by hand. This was not in a browser of course. For plain reading outside a browser, I use Skim. If I want to read more than two sentences of an IRS publication...
by deci02
Sun Dec 08, 2013 3:38 pm
Forum: Investing - Theory, News & General
Topic: buy/hold vs. buy/hold/rebalance
Replies: 64
Views: 5689

Re: buy/hold vs. buy/hold/rebalance

It is not intuitively evident to me how changing the percentage of my portfolio in a sector that is currently doing well (or not doing well), in order to get back to my AA, is better in the “long term” than just “holding”. I assume there are analyses of historical data that suggest an advantage to ...
by deci02
Fri Dec 06, 2013 1:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Dividend Distributions - When?
Replies: 3
Views: 622

Re: Vanguard Dividend Distributions - When?

Looks like they'll be giving preliminary income and dividend estimates 12/9.

https://personal.vanguard.com/us/insigh ... ule-102013
by deci02
Mon Nov 18, 2013 9:54 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing Versus Pure B&H performance
Replies: 22
Views: 2000

Re: Rebalancing Versus Pure B&H performance

Does your analysis include the allocation adjustment that VG made to the lifestrategy series by increasing the international allocation? I'd have to look but I believe that happened in late 2010 and would influence your results. I don't believe they included it until 2013. The VG international bond...
by deci02
Sat Nov 16, 2013 10:37 am
Forum: Investing - Theory, News & General
Topic: Crazy Talk
Replies: 7
Views: 2017

Re: Crazy Talk

Thread prompted me to look back at this Ellis piece I'd saved a few years back that includes suggested allocations by age. Not as aggressive as the quote attributed in the OP, but he was definitely an advocate of a healthy weighting in equities in this 2010 article.

http://www.kiplinger.com/article/invest ... folio.html
by deci02
Mon Sep 23, 2013 9:51 am
Forum: Investing - Theory, News & General
Topic: John Bogle on Social Security and AA
Replies: 21
Views: 3381

Re: John Bogle on Social Security and AA

Link to Bogle interview on the subject and a couple of old posts I've found informative. http://assetbuilder.com/scott_burns/bogle_to_retirees_don%E2%80%98t_do_something_just_stand_there! http://www.bogleheads.org/forum/viewtopic.php?f=10&t=99826&start=50#p1445602 http://www.bogleheads.org/f...
by deci02
Fri Sep 20, 2013 11:06 am
Forum: Investing - Theory, News & General
Topic: How do you compare with other investors your age?
Replies: 50
Views: 8925

How do you compare with other investors your age?

From Vanguard Retirement Planning, for those who love data points (and you know who you are). Not sure if this has been posted here previously.

http://t.co/8OIOeZy4GQ
by deci02
Sat Aug 31, 2013 2:08 pm
Forum: Personal Consumer Issues
Topic: Videos Streaming SO SLOW and I have TURBO Internet
Replies: 6
Views: 947

Re: Videos Streaming SO SLOW and I have TURBO Internet

I have turbo Internet with Time Warner cable and yet when I try to stream Hulu it's always so choppy. It's so frustrating paying for fast Internet am not getting good video. Could it be my computer or what?! Thanks!! First thing I'd try is a reboot of your cable modem (and router if you use one). M...
by deci02
Fri Jun 14, 2013 9:56 am
Forum: Investing - Theory, News & General
Topic: Bogle: Too Much In Bonds
Replies: 115
Views: 11937

Re: Bogle: Too Much In Bonds

He has said several times (thanks EyeDee for finding the references) that pensions and SS should be looked at as bond-like investments. There have been several threads/discussions on this forum about how this would/should impact the asset allocation and (which for me is the more difficult part) wha...
by deci02
Thu May 23, 2013 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Bogle on Soc Sec/Fixed Income and Asset Allocation
Replies: 28
Views: 2615

Re: Bogle on Soc Sec/Fixed Income and Asset Allocation

Here's a link to an earlier thread. [url][url]http://www.bogleheads.org/forum/viewtopic.php?t=99826&f=10[/url][/url] Yup, he really does say to include the present value of Social Security and pensions. Of course, now that interest rates are lower, Social Security is worth more. Using data from...
by deci02
Sun May 12, 2013 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: tax friendly states for retirees
Replies: 96
Views: 9399

Re: tax friendly states for retirees

Managed to find a current link for a Kiplinger piece I found on MSN Money back in 2003. Liked it as a quick preliminary comparison (prior to one's own due diligence) using income, property & sales taxes. Keep in mind article is 10 years old.

http://www.liveinde.com/placestoretire.htm
by deci02
Fri Apr 12, 2013 10:26 am
Forum: Investing - Theory, News & General
Topic: Shiller PE vs. Interest Rates
Replies: 4
Views: 930

Re: Shiller PE vs. Interest Rates

Shiller: "... I would be inclined to tilt actually more into stocks in my portfolio ..."

Wide ranging interview:

http://www.wealthtrack.com/transcript_03-29-2013.php
by deci02
Sat Mar 09, 2013 11:29 am
Forum: Investing - Theory, News & General
Topic: Ally Bank: Poor Showing On Fed's Stress Test
Replies: 18
Views: 4467

Re: Ally Bank: Poor Showing On Fed's Stress Test

Blues wrote:
deci02 wrote:A review of the test result.

http://www.depositaccounts.com/blog/201 ... -bank.html


FWIW, that review had already been linked in the original post.


Oops! Well I guess I can't "stress" that link enough! :oops:
by deci02
Thu Feb 07, 2013 1:25 pm
Forum: Investing - Theory, News & General
Topic: Finally arrived: The Vanguard Total International Bond Fund
Replies: 187
Views: 35444

Re: Finally arrived: The Vanguard Total International Bond F

Wondering how much the foreign tax credit comes into play with international bonds? Due to my international stock holdings I'm already having to carryover amounts of the credit (IRS Form 1116). Seems like having to continually defer some of the credit amount year after year would be an additional co...
by deci02
Fri Jan 04, 2013 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Take capital gains this year
Replies: 44
Views: 3581

Re: Take capital gains this year

As far as I know, the 250K (500K for couples) capital gains exemption still applies for sale of a primary residence in which you have lived at least an aggregate of 2 out of the last 5 years. Only cap gains in excess of the exemption would be added to your taxable income. Right. The point is that I...
by deci02
Fri Jan 04, 2013 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Take capital gains this year
Replies: 44
Views: 3581

Re: Take capital gains this year

Good. I am retired and most years I am in the 15% bracket. There is one thing I need to figure out. I own a house, which I moved out of a year ago. I bought it for $80K and it is now worth $250K. If I sell it in the next 2 years there are no taxes, but after that cap gain taxes will apply. The year...
by deci02
Fri Jan 04, 2013 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Take capital gains this year
Replies: 44
Views: 3581

Re: Take capital gains this year

tc101 wrote:Does the tax deal that passed in congress on Jan. 1 mean that cap gains rates for people in the 15% bracket will remain at 0% for 2013?


Yes, according to this. In fact it is permanent until Congress legislates otherwise.

http://t.co/9WehDiej
by deci02
Fri Oct 19, 2012 9:25 am
Forum: Investing - Theory, News & General
Topic: List of Vanguard Funds by P/E (Price/Earnings)
Replies: 2
Views: 778

Re: List of Vanguard Funds by P/E (Price/Earnings)

At Vanguard site, on the Vanguard Funds listing page, choose Attributes & Expense Ratio tab, then Stock Attributes sub tab.