Search found 6987 matches

by Call_Me_Op
Mon Nov 19, 2018 8:16 am
Forum: Investing - Help with Personal Investments
Topic: LOST OVER $400 on CDs in 2 Weeks!
Replies: 24
Views: 4269

Re: LOST OVER $400 on CDs in 2 Weeks!

You should understand what you are buying before you buy it. Brokered CDs are essentially bonds, and their value will fluctuate prior to maturity. Any loss is a paper loss unless you sell.
by Call_Me_Op
Sun Nov 11, 2018 7:43 am
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3307

Re: Seeking Advice - Emergency Preparedness

Portable generators can be bought with wheels...even four wheels. Push button start and can run on natural gas. Add a transfer switch to the house and large propane/natural gas and done. My problem is I do not have a garage. I would have to keep a portable generator in my shed located at the back o...
by Call_Me_Op
Sun Nov 11, 2018 7:35 am
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3307

Re: Seeking Advice - Emergency Preparedness

What is the probability that this may happen? How long have you lived there and has it ever happened before? Cold can be there without the snow. Surelyi inyour time there you have had cold that your system survived? Be realistic in your concerns. Good point - I do have an obsessive personality. I h...
by Call_Me_Op
Sun Nov 11, 2018 7:31 am
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3307

Re: Seeking Advice - Emergency Preparedness

How far north are you? We get nor’easters here around Boston but the winds don’t reach hurricane strength... maybe 50mph or so gusts in a bad one, but I’ve never seen anything close to actual sustained hurricane (75mph) wind. Temps reaching zero happen, but rarely. Sounds like you are way up there ...
by Call_Me_Op
Sat Nov 10, 2018 6:40 am
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3307

Re: Seeking Advice - Emergency Preparedness

I’m in New England and like others my backup to stay warm is a wood stove. Unlimited heat. I do not have a chimney and the price to add one is actually comparable to a standby generator with installation. If I were to go the stove route, it would need to be direct-vent and gas. I am not comfortable...
by Call_Me_Op
Fri Nov 09, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3307

Re: Seeking Advice - Emergency Preparedness

Thanks Watty. You do need to keep the sides of the generator clear of snow so they can vent. My plan would be to put it on the NE side of the house, which does not get drifts during the big Northeasters, and also to raise it a few feet off the ground. I believe that by doing this, the snow will not ...
by Call_Me_Op
Fri Nov 09, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3307

Re: Seeking Advice - Emergency Preparedness

Are your power lines buried or do you have utility poles? Our are buried, so I don't worry too much about losing power in the winter, but I am concerned about brown-outs in the summer. If your main concern is powering the heating system, you should be able to get a smaller stand-by generator for mu...
by Call_Me_Op
Fri Nov 09, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3307

Re: Seeking Advice - Emergency Preparedness

You appear to be approaching this as 'what if I lose power', but I would approach this as 'what if I lose heat' instead. There are other scenarios which would result in the same outcome, including your heater simply breaking down. Another thing to keep in mind is, are you comfortable with your back...
by Call_Me_Op
Fri Nov 09, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3307

Re: Seeking Advice - Emergency Preparedness

I don't know anything about home ownership, but I do spend a lot of time outdoors in the North Eastern winters. As far as cold-temp survival goes, you can purchase a -20F sleeping bag for under $100. The clothing you already own, layered up, indoors, would probably be enough to survive the temps. A...
by Call_Me_Op
Fri Nov 09, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3307

Re: Seeking Advice - Emergency Preparedness

I don't know anything about home ownership, but I do spend a lot of time outdoors in the North Eastern winters. As far as cold-temp survival goes, you can purchase a -20F sleeping bag for under $100. The clothing you already own, layered up, indoors, would probably be enough to survive the temps. A...
by Call_Me_Op
Fri Nov 09, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3307

Re: Seeking Advice - Emergency Preparedness

Thegame14 wrote:
Fri Nov 09, 2018 9:33 am
install a natural gas generator...... or get solar panels with a battery that can hold a charge for a few days.
Thanks - I am leaning that way (generator). The solar panels plus batteries is much more expensive.
by Call_Me_Op
Fri Nov 09, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3307

Re: Seeking Advice - Emergency Preparedness

A portable generator is a non-starter for me. I have a bad back and no garage. Any ideas would be greatly appreciated! A portable generator should NEVER be put into a garage. NEVER. Hi Rick, I was thinking of a garage as a place to store the generator when not in use, and from which to wheel it out...
by Call_Me_Op
Fri Nov 09, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3307

Re: Seeking Advice - Emergency Preparedness

Watty wrote:
Fri Nov 09, 2018 8:01 am
Are you sure you don't already have that? The first step would be to contact your service company and ask them about what sort of freeze protection to use.
Hi Watty. Good question. I will have to find out.
by Call_Me_Op
Fri Nov 09, 2018 7:24 am
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3307

Seeking Advice - Emergency Preparedness

I live in the Northeast and we typically get several brutal "Northeasters" every winter. These storms essentially trap me in my house (I live alone and have back issues) due to extreme snow drifts, can have hurricane force winds, and are often followed by zero F or subzero F temperatures. I have nev...
by Call_Me_Op
Fri Nov 02, 2018 7:24 am
Forum: Investing - Theory, News & General
Topic: REITS have beaten other stocks for 50 years
Replies: 31
Views: 2973

Re: REITS have beaten other stocks for 50 years

CULater wrote:
Thu Nov 01, 2018 10:50 am
Why not just buy REITs and forgeddaboutit?
Risk?
by Call_Me_Op
Tue Oct 23, 2018 11:20 am
Forum: Investing - Theory, News & General
Topic: 'Smart money' bailing on the market, time to get out?
Replies: 92
Views: 12260

Re: 'Smart money' bailing on the market, time to get out?

steve321 wrote:
Tue Oct 23, 2018 4:43 am
Is there something the 'smart money' knows, that we (the dumb money, I suppose) don't?
Not really.
by Call_Me_Op
Tue Oct 16, 2018 7:33 am
Forum: Personal Finance (Not Investing)
Topic: 5 Year CD Coming Due
Replies: 8
Views: 1310

Re: 5 Year CD Coming Due

For safety, yield, and liquidity, it is hard to beat treasury bills right now. You might also consider a treasury MM fund.
by Call_Me_Op
Sun Oct 14, 2018 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: 6 month Treasury Note: "Bond" or "Cash"?
Replies: 47
Views: 3726

Re: 6 month Treasury Note: "Bond" or "Cash"?

I recall looking, and don't recall being able to find "cash" defined in my investment textbooks, which of course cover portfolio theory. Of course there are discussions about the riskless asset (typically a 1-month T-bill), and the division of financial markets into capital markets and money market...
by Call_Me_Op
Sun Oct 14, 2018 8:02 am
Forum: Investing - Theory, News & General
Topic: Does anyone consider institutional risk?
Replies: 37
Views: 2209

Re: Does anyone consider institutional risk?

...Yes, but virtually eliminates the risk of catastrophic loss (assuming independent probabilities of fraud). That's the whole point... I'm not sure it does eliminate it. Of course I'm just engaging in creative storytelling, not realistic risk assessment... ...But if I were going to fuss about it, ...
by Call_Me_Op
Sat Oct 13, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: Gas Fireplaces
Replies: 22
Views: 1697

Re: Gas Fireplaces

Thanks Drat. My direct vent would be on sidewall, but plenty of height from ground and clearance to windows. I like your comments on the direct connect millivolt thermostat. If I had a set-up with no batteries that would work during a power outage, that would be great. However, I do not mind batteri...
by Call_Me_Op
Sat Oct 13, 2018 12:51 pm
Forum: Investing - Theory, News & General
Topic: Does anyone consider institutional risk?
Replies: 37
Views: 2209

Re: Does anyone consider institutional risk?

We keep assets in a couple different places because of concerns about identify theft or one institution’s online system being hacked. Doesn't this double or triple the chances that you'll have assets at an institution which gets hacked? Yes, but virtually eliminates the risk of catastrophic loss (a...
by Call_Me_Op
Sat Oct 13, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Gas Fireplaces
Replies: 22
Views: 1697

Re: Gas Fireplaces

Probably not good to run a ventless fireplace too long due to the products of combustion being given off. Namely, carbon monoxide. When I used to use mine, the meter on the CO detector never showed any affect. My concern is particulates. These would be microscopic particles of carbon along with any...
by Call_Me_Op
Sat Oct 13, 2018 8:18 am
Forum: Investing - Theory, News & General
Topic: Who worries about a bear market in stocks?
Replies: 71
Views: 5847

Re: Who worries about a bear market in stocks?

There are three groups of stock investors: 1) Young investors with a long time horizon until retirement. They don't have to worry about a bear market because they should have a large allocation to stocks and a bear market gives them the opportunity to buy more shares at lower prices. 2) Older inves...
by Call_Me_Op
Sat Oct 13, 2018 7:53 am
Forum: Investing - Theory, News & General
Topic: Psychological vs. Real Risk
Replies: 21
Views: 1572

Re: Psychological vs. Real Risk

Don't forget the psychological risk is real risk - to your health.
by Call_Me_Op
Sat Oct 13, 2018 7:51 am
Forum: Personal Consumer Issues
Topic: Gas Fireplaces
Replies: 22
Views: 1697

Re: Gas Fireplaces

We have three propane (ventless) fireplaces in our home. (We bought the home when it was three years old and they were already installed.) For years I kept the pilot on but since I so rarely used them, (and don't like the slight smell they produce), I've shut them off for the past few years. (A lar...
by Call_Me_Op
Sat Oct 13, 2018 7:49 am
Forum: Investing - Help with Personal Investments
Topic: Which bond holding in Taxable?
Replies: 7
Views: 395

Re: Which bond holding in Taxable?

A 1 year Tbill is yielding over 2.6%, is exempt from state tax, and is the safest investment you can hold. Hard to beat that right now for safe money.
by Call_Me_Op
Sat Oct 13, 2018 7:34 am
Forum: Personal Consumer Issues
Topic: Gas Fireplaces
Replies: 22
Views: 1697

Re: Gas Fireplaces

I'm having a direct vent gas insert installed in a week, so I don't have personal experience, just tons of research. 1. I would go with, and did go with, the electronic ignition. There's never anything stopping you from manually lighting the fireplace with a lighter if power was out, and for me, wi...
by Call_Me_Op
Sat Oct 13, 2018 7:33 am
Forum: Personal Consumer Issues
Topic: Gas Fireplaces
Replies: 22
Views: 1697

Re: Gas Fireplaces

OP, you mentioned snow drifts. I would think the location of the direct-vent coaxial flue/intake would deserve consideration. Thanks for mentioning that. The vent would be on the NE side of the house, and the drifts on that side never exceed 4 feet. On the other side of the house, they get much hig...
by Call_Me_Op
Sat Oct 13, 2018 7:29 am
Forum: Personal Consumer Issues
Topic: Gas Fireplaces
Replies: 22
Views: 1697

Re: Gas Fireplaces

I'm having a direct vent gas insert installed in a week, so I don't have personal experience, just tons of research. 1. I would go with, and did go with, the electronic ignition. There's never anything stopping you from manually lighting the fireplace with a lighter if power was out, and for me, wi...
by Call_Me_Op
Fri Oct 12, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: Gas Fireplaces
Replies: 22
Views: 1697

Gas Fireplaces

I am considering purchasing a freestanding direct-vent gas fireplace for use as emergency heat in the event that I lose electricity in the winter. This is a particular concern during a blizzard, where I often am trapped in the house due to huge snow drifts, and the temperature can drop below zero wi...
by Call_Me_Op
Fri Oct 12, 2018 9:35 am
Forum: Investing - Help with Personal Investments
Topic: 6 month Treasury Note: "Bond" or "Cash"?
Replies: 47
Views: 3726

Re: 6 month Treasury Note: "Bond" or "Cash"?

6 months is usually a treasury bill, not note. But this is really an arbitrary definition, as is cash versus bond. 6 months is a short-duration bond, whereas technically cash is a zero-duration bond.
by Call_Me_Op
Mon Oct 08, 2018 3:17 pm
Forum: Investing - Theory, News & General
Topic: Debunking Bonds in Taxable
Replies: 99
Views: 10419

Re: Debunking Bonds in Taxable

Because of the various considerations, I hold some bonds (and bond equivalents like CDs) in taxable and some in tax-advantaged.
by Call_Me_Op
Mon Oct 08, 2018 1:59 pm
Forum: Investing - Theory, News & General
Topic: Inflation and stocks and bonds
Replies: 14
Views: 781

Re: Inflation and stocks and bonds

What is inflation? An increase in prices, right? Who gets that money - companies that sell goods and services, which comprise the stock market. In other words, companies (and their stocks) are the primary beneficiaries of inflation.
by Call_Me_Op
Mon Oct 08, 2018 8:51 am
Forum: Investing - Theory, News & General
Topic: Is it a sign that a bear market is coming, when most people are afraid that stocks will plummet?
Replies: 42
Views: 2874

Re: Is it a sign that a bear market is coming, when most people are afraid that stocks will plummet?

No. First sign of a major bear market is usually when most everyone thinks that stocks must keep going up - to the moon.
by Call_Me_Op
Mon Oct 08, 2018 8:49 am
Forum: Investing - Theory, News & General
Topic: Biggest bubble in the history of mankind(?) Is it time to sell?
Replies: 40
Views: 3889

Re: Biggest bubble in the history of mankind(?) Is it time to sell?

Ron Paul is calling this the Biggest bubble in the history of mankind and is forecasting a 50% drop in stocks: https://www.cnbc.com/2018/10/05/ron-paul-us-barreling-towards-a-recession-and-theres-no-escape.html Even Jack Bogle suggested to sell 5 or 10% of equities at the Bogleheads conference, and...
by Call_Me_Op
Mon Oct 08, 2018 6:36 am
Forum: Personal Consumer Issues
Topic: Radon
Replies: 10
Views: 1278

Re: Radon

Just before I purchased my current home (in early 2000's), Radon levels were: Basement - 20 pCi/L First Floor - 10 pCi/L Second Floor - Not Measured I had the seller install sub-slab ventilation system, which brought levels down to ~ 0.4. My house is pretty tight, and that makes a big difference (fo...
by Call_Me_Op
Mon Oct 08, 2018 6:22 am
Forum: Investing - Theory, News & General
Topic: “It’s probably wise to sell to the sleeping point.” - Jack Bogle
Replies: 83
Views: 11750

Re: “It’s probably wise to sell to the sleeping point.”

Interesting. The 5-10% reduction in stocks would have many here wagging their fingers and chanting “market timing” if someone mentioned doing that in a post. No. Strategically reducing market exposure because of (for example) getting older or having "enough" is not market timing. Market timing is w...
by Call_Me_Op
Mon Oct 08, 2018 6:18 am
Forum: Investing - Theory, News & General
Topic: Surprised by Jack's answer to Fidelity's 0 mgmt fund threat
Replies: 77
Views: 7998

Re: Surprised by Jack's answer to Fidelity's 0 mgmt fund threat

2) When they respond, their response will optimize for the new investor. It will not benefit the existing, loyal Fidelity customer. For the existing Fidelity customer to get the benefit they must do a sale/buy in to the new fund (ie a taxable event). Not really true. Fidelity has quietly reduced ex...
by Call_Me_Op
Sat Oct 06, 2018 5:58 am
Forum: Personal Finance (Not Investing)
Topic: Plan For Depleting Your Investments If No Heirs?
Replies: 39
Views: 4739

Re: Plan For Depleting Your Investments If No Heirs?

Don't know about you, but if I make it to 95, I don't thinking that the knowledge that my assets have shrunk to zero is going to bring me any pleasure - perhaps just the opposite.
by Call_Me_Op
Tue Oct 02, 2018 7:51 am
Forum: Personal Consumer Issues
Topic: New Apartment, city noise
Replies: 43
Views: 3342

Re: New Apartment, city noise

So, I'm day two in an apartment in a small city. It's an apartment complex in a nice, up scale shopping center. Previously, I lived in the country in a home. The apartment is outstanding, location is fantastic. But, I work from home once a week and still getting used to some of the city noises. Hor...
by Call_Me_Op
Sun Sep 30, 2018 7:10 am
Forum: Investing - Help with Personal Investments
Topic: Do Bonds Go in Taxable?
Replies: 71
Views: 6715

Re: Do Bonds Go in Taxable?

Because the asset location issue is quite nuanced (including such considerations as asset protection and effects of fund turn-over and rebalancing), I simply hold balanced portfolios in both tax-advantaged and taxable accounts. I just make sure that any highly tax-inefficient assets (like real estat...
by Call_Me_Op
Sat Sep 29, 2018 11:07 am
Forum: Investing - Theory, News & General
Topic: Rekenthaler: "So much for the bond bubble"
Replies: 18
Views: 2903

Re: Rekenthaler: "So much for the bond bubble"

Nisi,

I agree that this is a confusing article.
by Call_Me_Op
Sat Sep 29, 2018 7:36 am
Forum: Investing - Theory, News & General
Topic: Sears, a 125 year old company is now a penny stock.
Replies: 127
Views: 15313

Re: Sears, a 125 year old company is now a penny stock.

Just had an impulse to go out and buy some. Must resist.
by Call_Me_Op
Thu Sep 27, 2018 7:04 am
Forum: Personal Consumer Issues
Topic: Good flip flops
Replies: 46
Views: 3507

Re: Good flip flops

In my world, a flip-flop is a digital sequential logic element, so I will be of little help in this thread.
by Call_Me_Op
Thu Sep 27, 2018 7:01 am
Forum: Investing - Theory, News & General
Topic: Economic reasons for rate increase by the Fed?
Replies: 71
Views: 6163

Re: Economic reasons for rate increase by the Fed?

The Fed has a dual mandate - maintain full employment and keep inflation close to 2%. The rate that the Fed sets for overnight borrowing of bank/credit union reserves in one of the levers they have to help meet the dual mandate, thus they use that lever. Note that this will determine very short term...
by Call_Me_Op
Thu Sep 27, 2018 6:55 am
Forum: Investing - Theory, News & General
Topic: Exactly how do index funds work?
Replies: 15
Views: 1848

Re: Exactly how do index funds work?

dm200 wrote:
Tue Sep 25, 2018 6:20 pm
For most bond index funds, there is very significant turnover of the holdings.
Is this just because bonds are maturing and being called and thus being replaced, or is there more to this?
by Call_Me_Op
Wed Sep 26, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: When do you need a hearing aid
Replies: 50
Views: 3446

Re: When do you need a hearing aid

She went on about my needing a hearing aid in both ears and waiting could make the deterioration too severe to for the hearing aid to have any affect. Something about the nerves not getting stimulation they die more quickly. I am a layperson, but skeptical of this claim. I personally would get hear...
by Call_Me_Op
Tue Sep 25, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: Flu shot reaction? Getting flu shot this year?
Replies: 69
Views: 2381

Re: Flu shot reaction? Getting flu shot this year?

I don't take the vaccine because flu is a "real" disease to me. The downside from getting the flu is minor. The downside from vaccine, although rare, is major. This ratio will probably change with age, in the next 20-30 years. I am in the same camp. Got the flu once in the past 40 years and made it...
by Call_Me_Op
Sat Sep 22, 2018 6:27 am
Forum: Investing - Help with Personal Investments
Topic: Stable Value Similat to What Bond Fund
Replies: 9
Views: 794

Re: Stable Value Similat to What Bond Fund

I use 10 year treasuries for this - but it is only to approximate long-term return.
by Call_Me_Op
Sat Sep 22, 2018 6:20 am
Forum: Investing - Theory, News & General
Topic: Zero-ER Fidelity Funds [Closed to new investors?]
Replies: 38
Views: 2947

Re: Fidelity zero ER funds closed?

I am quite sure that Fidelity would not close these funds - certainly not a month after that were opened.