Bogleheads.org

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Stop agonizing over irrelevant questions. A CD is a form of bond (a loan from you to some other entity that pays regular interest for a fixed period of time and then returns the principal). If you are more comfortable with CDs, that's a fine choice.

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I still have trouble accepting that number 3 is the best way to go. Makes me nervous to have all of my passwords "out there" - and in one place, even if in encrypted form. I am open to being convinced, though. :wink: Not sure how convincing this is going to be, but here's my view. I have been using...

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I assume that most of the password managers allow you to cut and paste the password. This seems like a good feature to prevent keyloggers from getting the password, but you also need to remember to delete the password from the cut-and-paste buffer.

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dm200 wrote: ↑
Sat Sep 15, 2018 3:16 pm
Asset protection is better for SS income than almost any other income stream or asset

Spoken like a man who has been bitten.

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So the relevant actionable part of the article is this: Actions recommended to protect yourself from identity theft 1. Freeze your credit 2. Monitor your financial accounts 3. Use a Password Manager I hope the lack of comments just means everyone is already doing these things so it's not really new...

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I still have trouble accepting that number 3 is the best way to go. Makes me nervous to have all of my passwords "out there" - and in one place, even if in encrypted form. I am open to being convinced, though.

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You will likely do better to install sound blocking or noise reduction window shades on the inside of the window. Installing standard storms on vinyl window casings might prove problematic, and I don't think they'll provide much in the way of sound attenuation. Do they only install on the casings o...

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Currently, I have double-hung Vinyl windows. I am trying to get a small increase in sound attenuation from my bedroom windows. (Those appear to be the weak points in the bedroom.) Does anyone have an idea of how much attenuation (in dB) I can expect by adding a standard (aluminum frame, triple-track...

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I am of no real help to you but after living in two houses next door to owners who ignored their barking dogs 24/7, I moved into a house on a three acre lot with lots of space between me and neighbors. Worth every extra penny. If I ever need to move again, it will be a mandatory requirement that th...

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Dogs outside in a cage, 24/7? Why have the dogs? But I digress. First, how is the weather in the "Milky Way" (your location :wink: ) Does it get cold? Do the dogs have shelter from rain, in addition to cold? How big is the "cage". By "cage", do you really mean a "cage", or is this a large enclosed ...

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Thanks guys. Rupert, there is a new neighbor (nice couple with a daughter) who recently moved in next to me. I am friendly with them and asked them if they are bothered by the barking. The wife told me that her husband has been awakened by the dogs early in the morning and has been unable to get bac...

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A neighbor keeps 2 dogs in a cage outside 24/7 all year round. The cage is ~ 150 - 200 feet from my house and is actually on the dog owner's wife's parent's lot. The owner's lot intersects the lot with the dog cages. For many years, the dogs would bark (yelp) loudly all day but rarely if ever at nig...

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golfCaddy wrote: ↑
Wed Jun 27, 2018 7:07 pm
I question whether you need an umbrella policy at all.

I don't. Even if he drives 10 feet per day, there is risk.

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Rick,

Perhaps time for a Lifestrategy fund.

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TLDR: It seems that electric dryers are, per the energystar.gov site, generally (always/almost always?) more efficient than natural gas dryers. This goes strongly against my instincts. Is it correct? Depends upon how you define efficiency. Electrical heaters are always 100% efficient with respect t...

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No. This is a form of market timing. If you decide to tilt toward value it should be for reasons other than you thinking it is a good time to do it.

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Clearly a scam by a foreign scammer. I would tell her to ignore it. Even if the scammer does what he says (highly doubtful), who cares?

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IMO, you do not have a large-enough portfolio or a complex-enough life to pay that kind of money for advice.

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To a first order, the stock market prices can be thought of as an upward trend overlaid with a random process. While lump-summing into it is statistically the best move, it can be emotionally difficult, so I recommend dollar-cost averaging (or value averaging).

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this seems to imply that the consensus is better than the informed opinion of some people. Under certain conditions, the average of a crowd of independent expert's opinions is likely to be a better predictor than using any individual opinion. (That the opinions be independent is one of the conditio...

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Taylor,

For what it's worth, I have detected no signs of this in your case - and wish you many more years with a sharp mind.

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That's a tough question - mainly because it doesn't matter much. In both cases, you are investing in high quality bonds.

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...this seems to imply that the consensus is better than the informed opinion of some people. Surely in other areas of life this is not the case... That's absolutely right. Investing is different from other areas of life. And the whole issue is do I really believe my opinion on the price of a stock...

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You are rewarded for taking unsystemic risk, if you have good reason to believe that the individual stock you're buying is too cheap. Just because you believe the stock you're buying is too cheap does not mean it is. The fact that the securities are believed to be cheap by some people and expensive...

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You are rewarded for taking unsystemic risk, if you have good reason to believe that the individual stock you're buying is too cheap. Just because you believe the stock you're buying is too cheap does not mean it is. The fact that the price of any given security is believed to be cheap by some peop...

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If the variation - or noise - is uncorrelated between securities, then the more securities you hold the higher the signal to noise ratio. This is because the signal (or the long-term trend) adds directly while the noise adds in quadrature (that variances add directly). This is a basic result of the ...

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sport wrote: ↑
Mon Sep 03, 2018 2:13 pm
Also, the T-bills interest is exempt from state income tax.

Not relevant for retirement account.

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I want to hold about 10% of my retirement portfolio in a form that is close to cash. Which of the following is preferable (and why)? 1. Treasury Bills of 1 month, 3 months, or maybe 6 months? 2. The Fidelity Money Market fund FNSXX with a 7 Day Yield of 2.12% net of expenses (usually a $10,000,000 ...

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steve321 wrote: ↑
Mon Sep 03, 2018 12:58 pm
Some people, like Peter Lynch, said that when it comes to picking stocks individuals have a distinct advantage over professionals.

That was in a different time. Much has changed.

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So basically you get lots of academics putting forward complicated theories saying that the market is extremely hard (or impossible) to beat, and then you get a rapper who beats it by 40%. How is that possible? You are misunderstanding the academics. What they say is that it is improbable (not impo...

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printer wrote: ↑
Wed Jul 11, 2018 12:36 pm
You could ask a different question: why not both in taxable?

+1

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With the Fed's continuing program of raising short-term rates, the spread between the 2-yr and 10-yr Treasuries has narrowed to just 0.20% compared to a historic spread of about 2.0%. This flat yield curve has analysts saying that investors in intermediate term bond funds (such as Vanguard Total Bo...

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Personally, I think its more nuanced than equities belong in taxable and fixed income belongs in tax deferred "as a universal rule". Also, the relative amount of assets in taxable vs tax deferred (and tax free) has a impact as well. Absolutely is more nuanced. If there is even a small amount of tur...

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I have always understood to buy an amount that is equal to your assets. Why? My guess, clever marketing. Catchy, and ensures the insurance company maximizes available revenue from customers-- the more you have, the more they get. I used to have a liability-prone hobby job, and fell into this story ...

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ginmqi wrote: ↑
Sat Sep 01, 2018 12:39 pm
Looks like OP hasn't posted since early 2016 with no more updates on he has been doing since then. Would've been interesting to get a follow up on how this strategy worked....

I think we know how it worked, assuming he stuck with it.

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Probably have some of those old thermionic emitters in my parent's basement. Used to love the smell of those 6146's in my Viking Ranger. 12AX7 was very common in receivers. You are bringing back a lot of memories. My first smell of a 6146 was in a Heathkit DX35. I really, really wish I had it back....

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abuss368 wrote: ↑
Sat Sep 01, 2018 12:00 pm
I have always understood to buy an amount that is equal to your assets.

Why?

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DeadPoets wrote: ↑
Sat Sep 01, 2018 11:16 am
What am I missing?

An understanding of the risks in bonds.

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No...

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A really bad idea. I think it is half serious. The serious part is people often select a good plan and then let the market/media hype etc. get them to tinker with it or try market timing etc. So, if they would just get on with their life and not fuss over their investments they would probably be pl...

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Realistically, I will not be able to actively monitor my accounts and switch funds around in response to market news or trends ... You should not be doing that anyway. The nice thing about proper investing is if you take the approach "don't do something just stand there" you are generally better of...

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Any item purchased (or otherwise acquired) with the expectation of interest, income, or increase in value is an investment. By this definition, a CD is an investment. We cannot debate this without defining the term. If you do not like the definition I have provided above, provide a different one - b...

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Probably have some of those old thermionic emitters in my parent's basement. Used to love the smell of those 6146's in my Viking Ranger. 12AX7 was very common in receivers.

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You can think of currency fluctuation as a risk - or an additional diversification factor.

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goshenBogle wrote: ↑
Wed Aug 29, 2018 11:21 am
You may say this is a ridiculous situation but it happened today when our phone provider was out for several hours and the only way to access our account was to call Vanguard.

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Hulk wrote: ↑
Tue Aug 28, 2018 8:56 am

edge wrote: ↑
Tue Aug 28, 2018 8:43 am
I use a spreadsheet.
Seriously? Thats such a pain. 5 different brokerage companies (with 7 different log ins between 2 spouses) and 3 banks. Blah

Not much pain compared to the anxiety of a single custodian.

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Someone will correct me. But I think interest is paid quarterly. It s not compounded. You buy at a discount and it is mature when the interest plus initial purchase price are equal to the face amount. At least this s what I think. I believe TIPS and i-bonds work differently. Look in the BH wiki too...

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My conclusion was based details in the article in addition to the number of requirements, but I think it is a mistake to think that more requirements and/or more details are there to better protect you, they are there to give Vanguard more explicit ways that they can say you failed to comply. The b...

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This is probably the most comprehensive article I have seen on the topic of brokerage/retirement account fraud vulnerability. We should all be very concerned about this issue. There is no protection in law, SIPC and FDIC do not apply in such cases, and as the article points-out, (in the cases where ...

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HAWK23 wrote: ↑
Sat Aug 25, 2018 5:43 am
My question is it okay/appropriate to consider I-Bonds a part of one''s Bond allocation in their portfolio?

Why not? I-Bonds are bonds.

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