Search found 6940 matches

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: 2063

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: 743

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: 2718

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: 4450

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: 3863

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: 175
Views: 9311

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: 8990

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: 3863

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: 3863

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: 370

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: 370

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: 5099

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: 5099

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: 5099

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: 5099

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: 10930

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: 17114

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: 2659

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: 2495

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.
by Call_Me_Op
Thu Sep 06, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: Elderly (innocent) relative received this horrible email
Replies: 51
Views: 5825

Re: Elderly (innocent) relative received this horrible email

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?
by Call_Me_Op
Thu Sep 06, 2018 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Should I keep my financial advisor
Replies: 130
Views: 7509

Re: Should I keep my financial advisor

IMO, you do not have a large-enough portfolio or a complex-enough life to pay that kind of money for advice.
by Call_Me_Op
Thu Sep 06, 2018 6:42 am
Forum: Investing - Theory, News & General
Topic: Are the stock market movements really random?
Replies: 37
Views: 2817

Re: Are the stock market movements really random?

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).
by Call_Me_Op
Tue Sep 04, 2018 8:52 am
Forum: Investing - Theory, News & General
Topic: Why are you not compensated for taking unsystematic risk?
Replies: 42
Views: 2334

Re: Why are you not compensated for taking unsystematic risk?

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...
by Call_Me_Op
Tue Sep 04, 2018 8:49 am
Forum: Investing - Theory, News & General
Topic: "Safeguarding Your Wealth From The Effects Of Cognitive Decline"
Replies: 52
Views: 4923

Re: "Safeguarding Your Wealth From The Effects Of Cognitive Decline"

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.
by Call_Me_Op
Tue Sep 04, 2018 8:35 am
Forum: Investing - Help with Personal Investments
Topic: "Take risk on the equity side" -> Drop corporate bonds from bond fund? AAA-AA gov only? [Non-US]
Replies: 22
Views: 1243

Re: "Take risk on the equity side" -> Drop corporate bonds from bond fund? AAA-AA gov only? [Non-US]

That's a tough question - mainly because it doesn't matter much. In both cases, you are investing in high quality bonds.
by Call_Me_Op
Tue Sep 04, 2018 8:29 am
Forum: Investing - Theory, News & General
Topic: Why are you not compensated for taking unsystematic risk?
Replies: 42
Views: 2334

Re: Why are you not compensated for taking unsystematic risk?

...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...
by Call_Me_Op
Tue Sep 04, 2018 8:02 am
Forum: Investing - Theory, News & General
Topic: Why are you not compensated for taking unsystematic risk?
Replies: 42
Views: 2334

Re: Why are you not compensated for taking unsystematic risk?

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...
by Call_Me_Op
Tue Sep 04, 2018 7:34 am
Forum: Investing - Theory, News & General
Topic: Why are you not compensated for taking unsystematic risk?
Replies: 42
Views: 2334

Re: Why are you not compensated for taking unsystematic risk?

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...
by Call_Me_Op
Tue Sep 04, 2018 6:39 am
Forum: Investing - Theory, News & General
Topic: Why are you not compensated for taking unsystematic risk?
Replies: 42
Views: 2334

Re: Why are you not compensated for taking unsystematic risk?

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 ...
by Call_Me_Op
Mon Sep 03, 2018 4:31 pm
Forum: Investing - Theory, News & General
Topic: Hold cash in Treasury Bills or in Money Market Fund?
Replies: 36
Views: 4573

Re: Hold cash in Treasury Bills or in Money Market Fund?

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.
by Call_Me_Op
Mon Sep 03, 2018 2:10 pm
Forum: Investing - Theory, News & General
Topic: Hold cash in Treasury Bills or in Money Market Fund?
Replies: 36
Views: 4573

Re: Hold cash in Treasury Bills or in Money Market Fund?

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 ...
by Call_Me_Op
Mon Sep 03, 2018 2:07 pm
Forum: Investing - Theory, News & General
Topic: Does it make sense to invest in individual stocks (like Kanye West) if you stick to what you know?
Replies: 110
Views: 5593

Re: Does it make sense to invest in individual stocks (like Kanye West) if you stick to what you know?

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.
by Call_Me_Op
Mon Sep 03, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: If the market is so hard to beat, why did a rapper beat it by 40%?
Replies: 61
Views: 3549

Re: If the market is so hard to beat, why did a rapper beat it by 40%?

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...
by Call_Me_Op
Mon Sep 03, 2018 9:59 am
Forum: Investing - Theory, News & General
Topic: US Treasuries vs Munis in taxable
Replies: 15
Views: 2657

Re: US Treasuries vs Munis in taxable

printer wrote:
Wed Jul 11, 2018 12:36 pm
You could ask a different question: why not both in taxable?
+1
by Call_Me_Op
Mon Sep 03, 2018 6:30 am
Forum: Investing - Help with Personal Investments
Topic: Is it time to go shorter in bonds ?
Replies: 100
Views: 7425

Re: Is it time to go shorter in bonds ?

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...
by Call_Me_Op
Sun Sep 02, 2018 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Asset location strategy
Replies: 9
Views: 713

Re: Asset location strategy

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...
by Call_Me_Op
Sun Sep 02, 2018 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 278
Views: 29303

Re: Umbrella insurance..who has it? Is it recommended?

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 ...
by Call_Me_Op
Sat Sep 01, 2018 2:47 pm
Forum: Investing - Theory, News & General
Topic: Decided to try timing the market. 100% short on 9/17/15
Replies: 361
Views: 62647

Re: Decided to try timing the market. 100% short on 9/17/15

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.
by Call_Me_Op
Sat Sep 01, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Vacuum Tubes
Replies: 15
Views: 1685

Re: Vacuum Tubes

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....
by Call_Me_Op
Sat Sep 01, 2018 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 278
Views: 29303

Re: Umbrella insurance..who has it? Is it recommended?

abuss368 wrote:
Sat Sep 01, 2018 12:00 pm
I have always understood to buy an amount that is equal to your assets.
Why?
by Call_Me_Op
Sat Sep 01, 2018 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Why Total Bond over Long-term Bond/Treasury ?
Replies: 8
Views: 833

Re: Why Total Bond over Long-term Bond/Treasury ?

DeadPoets wrote:
Sat Sep 01, 2018 11:16 am
What am I missing?
An understanding of the risks in bonds.
by Call_Me_Op
Sat Sep 01, 2018 7:10 am
Forum: Investing - Help with Personal Investments
Topic: Don't Look and Have A Doctor Waiting When You DO
Replies: 35
Views: 5707

Re: Don't Look and Have A Doctor Waiting When You DO

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...
by Call_Me_Op
Sat Sep 01, 2018 7:00 am
Forum: Investing - Help with Personal Investments
Topic: Suddenly disabled but need to invest
Replies: 17
Views: 1851

Re: Suddenly disabled but need to invest

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...
by Call_Me_Op
Fri Aug 31, 2018 3:32 pm
Forum: Investing - Theory, News & General
Topic: Are CDs considered an investment?
Replies: 75
Views: 3969

Re: Are CDs considered an investment?

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...
by Call_Me_Op
Fri Aug 31, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Vacuum Tubes
Replies: 15
Views: 1685

Re: Vacuum Tubes

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.
by Call_Me_Op
Wed Aug 29, 2018 11:28 am
Forum: Investing - Theory, News & General
Topic: International investing and currency risk - why do it?
Replies: 43
Views: 2939

Re: International investing and currency risk - why do it?

You can think of currency fluctuation as a risk - or an additional diversification factor.
by Call_Me_Op
Wed Aug 29, 2018 11:24 am
Forum: Investing - Theory, News & General
Topic: Vanguard 2 factor auth - No longer uses 'secret' questions
Replies: 7
Views: 1238

Re: Vanguard 2 factor auth - No longer uses 'secret' questions

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.
:?
by Call_Me_Op
Tue Aug 28, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: How do you 7 figure guys organize multiple accounts?
Replies: 164
Views: 11860

Re: How do you 7 figure guys organize multiple accounts?

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 :oops:
Not much pain compared to the anxiety of a single custodian.
by Call_Me_Op
Mon Aug 27, 2018 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Treasury bills YTM
Replies: 5
Views: 436

Re: Treasury bills YTM

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...