Search found 6971 matches

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: 1169

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: 3483

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: 2055

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: 1616

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: 2055

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: 1616

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: 5619

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: 1486

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: 1616

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: 353

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: 1616

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: 1616

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: 1616

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: 1616

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: 3483

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: 35
Views: 2746

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: 731

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: 2767

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: 3786

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: 1227

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: 11491

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: 7812

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: 4649

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: 3256

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: 70
Views: 6015

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: 2774

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: 115
Views: 13268

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: 3451

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: 6105

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: 1821

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: 47
Views: 2777

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: 2331

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: 782

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: 2821

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.
by Call_Me_Op
Wed Sep 19, 2018 6:42 am
Forum: Investing - Theory, News & General
Topic: Bonds. Why? (vs. cds)
Replies: 59
Views: 4634

Re: Bonds. Why? (vs. cds)

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.
by Call_Me_Op
Tue Sep 18, 2018 7:52 am
Forum: Personal Finance (Not Investing)
Topic: [AARP Article re: ID Theft & Dark Web]
Replies: 32
Views: 3990

Re: Dark Web Article

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...
by Call_Me_Op
Tue Sep 18, 2018 7:24 am
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 176
Views: 9974

Re: How real is cyber risk?

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.
by Call_Me_Op
Sun Sep 16, 2018 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security Until 70
Replies: 115
Views: 9336

Re: Delaying Social Security Until 70

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. :wink:
by Call_Me_Op
Sun Sep 16, 2018 7:33 am
Forum: Personal Finance (Not Investing)
Topic: [AARP Article re: ID Theft & Dark Web]
Replies: 32
Views: 3990

Re: Dark Web Article

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...
by Call_Me_Op
Sun Sep 16, 2018 7:26 am
Forum: Personal Finance (Not Investing)
Topic: [AARP Article re: ID Theft & Dark Web]
Replies: 32
Views: 3990

Re: Dark Web Article

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:
by Call_Me_Op
Fri Sep 14, 2018 6:52 am
Forum: Personal Consumer Issues
Topic: Storm Window Noise Reduction
Replies: 3
Views: 385

Re: Storm Window Noise Reduction

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...
by Call_Me_Op
Thu Sep 13, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: Storm Window Noise Reduction
Replies: 3
Views: 385

Storm Window Noise Reduction

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...
by Call_Me_Op
Mon Sep 10, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Advice on how to deal with barking dogs
Replies: 59
Views: 5213

Re: Advice on how to deal with barking dogs

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...
by Call_Me_Op
Mon Sep 10, 2018 7:30 am
Forum: Personal Consumer Issues
Topic: Advice on how to deal with barking dogs
Replies: 59
Views: 5213

Re: Advice on how to deal with barking dogs

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 ...
by Call_Me_Op
Mon Sep 10, 2018 7:26 am
Forum: Personal Consumer Issues
Topic: Advice on how to deal with barking dogs
Replies: 59
Views: 5213

Re: Advice on how to deal with barking dogs

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...
by Call_Me_Op
Mon Sep 10, 2018 6:53 am
Forum: Personal Consumer Issues
Topic: Advice on how to deal with barking dogs
Replies: 59
Views: 5213

Advice on how to deal with barking dogs

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...
by Call_Me_Op
Mon Sep 10, 2018 6:06 am
Forum: Investing - Help with Personal Investments
Topic: Umbrella Policy: Right amount for $7 mil net worth?
Replies: 76
Views: 11100

Re: Umbrella Policy: Right amount for $7 mil net worth?

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.
by Call_Me_Op
Sun Sep 09, 2018 6:50 am
Forum: Investing - Theory, News & General
Topic: Why Bull Markets Are Dangerous
Replies: 152
Views: 18776

Re: Why Bull Markets Are Dangerous

Rick,

Perhaps time for a Lifestrategy fund.
by Call_Me_Op
Fri Sep 07, 2018 7:10 am
Forum: Personal Consumer Issues
Topic: Electric dryers more efficient than gas?!?!?!?
Replies: 22
Views: 2708

Re: Electric dryers more efficient than gas?!?!?!?

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...
by Call_Me_Op
Thu Sep 06, 2018 9:58 am
Forum: Investing - Theory, News & General
Topic: Good time to do value investing?
Replies: 37
Views: 2571

Re: Good time to do value investing?

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.