Search found 1783 matches

by BrandonBogle
Tue Mar 28, 2017 8:26 am
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 113
Views: 11069

Re: So someone drained $13k from my checking account...

For all those wondering why ACH can even allow just account numbers and not care about name mismatches and such, the banks have no incentive to spend the money on better managing of it and the customer disservice of having more checks and balances on it (a husband or wife direct deposits into an acc...
by BrandonBogle
Tue Mar 28, 2017 8:16 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 119
Views: 8148

Re: Tesla Model 3 or Chevy Bolt?

For what its worth, I'm waiting for delivery of a brand new BMW i3 BEV hopefully next week:) I'm super excited. It doesn't have the range that it sounds like your friend wants, but I only need about 50-60 miles/day and we have a ICE for road trips (which we very rarely do). My plan is to keep our c...
by BrandonBogle
Sun Mar 26, 2017 9:26 am
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 113
Views: 11069

Re: So someone drained $13k from my checking account...

Again, the bank has to have a documented reason to go this route. They can't just assume it and require the consumer to prove their assumption is wrong. dm200 - I'm sure you get this. I'm just stating this for other people's education. Yes. The most common form of such documentation is from the car...
by BrandonBogle
Fri Mar 24, 2017 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 113
Views: 11069

Re: So someone drained $13k from my checking account...

I need to call my CU and see what protections they have in case of such an emergency. Do you think you were able to retrieve your money because you were within the 2 day Fed hold on transfers? What would have happened if you didn't discover the theft for a few days? ACH Transactions are subject to ...
by BrandonBogle
Thu Mar 23, 2017 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 113
Views: 11069

Re: So someone drained $13k from my checking account...

Cash, since this was an ACH transfer, there are plenty of consumer protections that protect you and you would not be out the money. It was nice that Allegiant provides you provisional credit same day until the reversals process finishes. There are many different things you could do to try and protec...
by BrandonBogle
Thu Mar 23, 2017 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard sells shares at 42% discount! Did you get in on the deal?
Replies: 26
Views: 5553

Re: Vanguard sells shares at 42% discount! Did you get in on the deal?

On the backend, Vanguard might get some pretty small numbers. They removed 0.000 shares to get their $0.04 fee out of my 401k. Otherwise, I want to be able to withdraw 0.000 for $0.04 please! :moneybag

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by BrandonBogle
Thu Mar 23, 2017 4:16 pm
Forum: Investing - Theory, News & General
Topic: What inflation rate do you use for your planning?
Replies: 90
Views: 5884

Re: What inflation rate do you use for your planning?

I'm surprised this wasn't mentioned. (Or maybe it was and I missed it.) https://www.philadelphiafed.org/research-and-data/real-time-center/survey-of-professional-forecasters/ Current estimated 10 year inflation average by the pros: 2.2% I use 2.5% in my projections (and CPI for all years I have tra...
by BrandonBogle
Thu Mar 23, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes on sign-on bonus check
Replies: 39
Views: 3816

Re: Taxes on sign-on bonus check

Forgive me on not knowing the intricacies of the different between Non-Employee Compensation and Box 3 income on the 1099, but if you feel this should be Box 3 income, couldn't he file his taxes as if it were Box 3 and include a note about that? There have been times people disagreed with the 1099s ...
by BrandonBogle
Thu Mar 23, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage APR 4.96% - too high?
Replies: 58
Views: 2946

Re: Mortgage APR 4.96% - too high?

Mid-Thirties here...closing on a 3.375% 15 year mortgage in a few weeks. The savings is incredible over a 30 year at a higher interest rate. Wait till you have more money for the down payment. I suspect their high LTV is causing a higher rate. I just closed on a refinance this week at 70% LTV for 2...
by BrandonBogle
Thu Mar 23, 2017 7:05 am
Forum: Investing - Theory, News & General
Topic: Vanguard: "Important: We've been unable to reach you by email"
Replies: 31
Views: 2753

Re: Vanguard: "Important: We've been unable to reach you by email"

As others have posted on Bogleheads before, hopefully Vanguard will forego one of their upcoming expense ratio reductions and put that money into improving their IT systems and update their culture to improve things. Vanguard rightly focuses on expenses, but that shouldn't get in the way of IT spend...
by BrandonBogle
Wed Mar 22, 2017 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage APR 4.96% - too high?
Replies: 58
Views: 2946

Re: Mortgage APR 4.96% - too high?

ETA - this part here was meant for Rick Rock as well as BrandonBogle: So you're saying that if we have 65K saved, we might as well use 60K for the down payment? How about closing costs and any other buffer money? Closing costs would probably be more than 5K and that will leave us with negative savi...
by BrandonBogle
Wed Mar 22, 2017 9:41 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 119
Views: 8148

Re: Tesla Model 3 or Chevy Bolt?

I suppose the dissent is in the timeline. All I'll point re that is that adoption is typically an 'S' curve that is exponential in the beginning, linear in the middle and asymptotic in the end. If you believe BEVs will get well over 50% ultimately, you might expect it to remain exponential up to 20...
by BrandonBogle
Wed Mar 22, 2017 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage APR 4.96% - too high?
Replies: 58
Views: 2946

Re: Mortgage APR 4.96% - too high?

I don't know if we should wait until we can pay 20% (this will take at least a couple years), because we'll be risking higher interest rates as the market keeps recovering. This concerns me. If you have $140k income, no state income taxes, and already have 10% of $300k saved for a down payment, it ...
by BrandonBogle
Wed Mar 22, 2017 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage APR 4.96% - too high?
Replies: 58
Views: 2946

Re: Mortgage APR 4.96% - too high?

We wish we could do 20% and not deal with PMI. We want to get to 20% as fast as possible after purchasing the house in order to get rid of it. PMI was quoted as $200 per month. We have about 65K in savings. This amount includes emergency fund plus down payment plus closing costs. We have waited for...
by BrandonBogle
Wed Mar 22, 2017 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage APR 4.96% - too high?
Replies: 58
Views: 2946

Re: Mortgage APR 4.96% - too high?

Without knowing all the details, my gut statement is "do not buy" until you save up your 20%. But there could very well be reasons you haven't shared. With $140k income and already having $14k for the down payment and only otherwise in debt for two car payments, it shouldn't take you more ...
by BrandonBogle
Wed Mar 22, 2017 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard keeps saying my e-mail address doesn't work
Replies: 10
Views: 708

Re: Vanguard keeps saying my e-mail address doesn't work

I've gotten the notices as well and my Vanguard emails don't go to a Gmail account. Ironically, I continue to receive the Vanguard new stories and trade confirmations, so I don't know what email I am not getting.
by BrandonBogle
Wed Mar 22, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 119
Views: 8148

Re: Tesla Model 3 or Chevy Bolt?

I'm a Tesla fanboy, but I honestly want the Bolt to do well, and for other manufacturers to do well in the BEV space also. I think that 90% of consumers have use cases that make BEV a reasonable solution, but it will take education/promotion/advertising to convince them. I agree with every part of ...
by BrandonBogle
Wed Mar 22, 2017 9:14 am
Forum: Personal Finance (Not Investing)
Topic: "Millionaire Next Door" Net Worth Formula
Replies: 169
Views: 14043

Re: "Millionaire Next Door" Net Worth Formula

An interesting thought experiment. If you had enough money to be FI and wealthy, let's say $10MM, how would your lifestyle change? For me, not much. I'd live in the same house, drive the same car, work in the same field. I'd create a DAF and give more to charity. I'd probably retire sooner than I w...
by BrandonBogle
Wed Mar 22, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 119
Views: 8148

Re: Tesla Model 3 or Chevy Bolt?

Initial production is not large, and they are doing a gradual rollout nationwide...first CA for a few months, then the CARB states for a few months. Doesn't get to me in PA until July. The Bolt won't be available in all 50 states until September. As just frank says, this could be a sign of a cautio...
by BrandonBogle
Tue Mar 21, 2017 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 2 factor authentication and Mint or Personal Capital
Replies: 12
Views: 890

Re: Vanguard 2 factor authentication and Mint or Personal Capital

There is always tension between security and convenience. PJW I was just coming to edit my post to elaborate on that specific point. For my Vanguard accounts, I do NOT have them linked to Mint or PC like I do my Wells account, basically because of the lack of a read-only option and I didn't want to...
by BrandonBogle
Tue Mar 21, 2017 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 101
Views: 9596

Re: Early Retirement - what to do about healthcare?

Yup. We hear about long wait times in other countries while forgetting that in the United States some people get treated sooner, but others wait literally forever because they can't afford it. In my area you just wait because of appointment availability. I never had to wait more than a day in Belgi...
by BrandonBogle
Tue Mar 21, 2017 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 2 factor authentication and Mint or Personal Capital
Replies: 12
Views: 890

Re: Vanguard 2 factor authentication and Mint or Personal Capital

Does Vanguard's Agent Authorization at the View Only access level help with this? You can create a grantee with just view access and it's own username + password for Mint or PC. That is what I did with WellsTrade. Does the grantee have to be a real person? If not, this is a great idea Sadly, I have...
by BrandonBogle
Tue Mar 21, 2017 6:17 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 119
Views: 8148

Re: Tesla Model 3 or Chevy Bolt?

How many east coast BH are Tesla owners? How do you handle these type of trips? I've done DC through NC to Atlanta (I-85) and also down to Miami (I-95) and on to Key West. Did a Disney World trip last year. I've done these trips (in particular Atlanta and Miami) a dozen times. I use supercharge.inf...
by BrandonBogle
Mon Mar 20, 2017 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Annual Fee - Time to move assets!
Replies: 6
Views: 1380

Re: Vanguard Annual Fee - Time to move assets!

You got out light.... I just had a $50 fee hit on my new employer 401K..... That was 30% of my balance :shock: It's just the timing..... There is an annual record keeping fee.... and it hit just after my first partial contribution :D Hopefully your new employer has good fund choices. If so, like me...
by BrandonBogle
Mon Mar 20, 2017 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Annual Fee - Time to move assets!
Replies: 6
Views: 1380

Vanguard Annual Fee - Time to move assets!

Today I checked on my 401k from an old employer still at Vanguard. It has a small chunk there that still holds a single-digit portion of my retirement assets. It has such funds as: ⋅ Vanguard Retirement Savings Trust II @ 0.31% ER ⋅ Vanguard Inflation-Protected Securities Fund In...
by BrandonBogle
Mon Mar 20, 2017 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 2 factor authentication and Mint or Personal Capital
Replies: 12
Views: 890

Re: Vanguard 2 factor authentication and Mint or Personal Capital

Does Vanguard's Agent Authorization at the View Only access level help with this? You can create a grantee with just view access and it's own username + password for Mint or PC. That is what I did with WellsTrade.
by BrandonBogle
Sat Mar 18, 2017 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: "Millionaire Next Door" Net Worth Formula
Replies: 169
Views: 14043

Re: "Millionaire Next Door" Net Worth Formula

Example: Age 40, make $100,000/yr = $4,000,000 $4,000,000 *10%= $400,000 If you are an average accumulator of wealth your NW should be $400,000 If you are an excellent accumulator of wealth (what this book thinks we should all strive for), your NW should be $800,000 :beer Thank you! Today is starti...
by BrandonBogle
Sat Mar 18, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: "Millionaire Next Door" Net Worth Formula
Replies: 169
Views: 14043

Re: "Millionaire Next Door" Net Worth Formula

It's a very handy rule of thumb for assessing one's net worth status. Expected Net Worth = Age(years) * total_income * 10% Yikes, left the *10% off the first try. When I actually do the math correctly, yeah, about where I should be. If I did this at 37, I would have been off, way off......where I s...
by BrandonBogle
Sat Mar 18, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 258
Views: 21025

Re: Quicken's future direction - a cause for concern

That said -- I have watched what has happened to Quicken over the years, and am THRILLED with the idea of Quicken switching to a subscription model, which would involve higher ARPU. Why? Because I want and need Quicken to be financially sustainable. And that's not going to happen without more reven...
by BrandonBogle
Fri Mar 17, 2017 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Does new job affect pre-qualifying for mortgage?
Replies: 18
Views: 1022

Re: Does new job affect pre-qualifying for mortgage?

Yes, this would be for pre-qualifying, and the probable home in which they would be interested would require income from both parties. Tim They can prequalify again once the job changes here: https://m.usbank.com/home-loans/mortgage/pre-approval-prequalification.aspx Other lenders will have similar...
by BrandonBogle
Fri Mar 17, 2017 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Does new job affect pre-qualifying for mortgage?
Replies: 18
Views: 1022

Re: Does new job affect pre-qualifying for mortgage?

Well, you technically asked about "pre-qualifying" for a mortgage, which is a simple form that takes 5 minutes to do and you can get them from any number of lenders. I suspect you actually meant something else. Doubtful it is for getting a pre-approval since that is based on credit reports...
by BrandonBogle
Fri Mar 17, 2017 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage fees- Is this reasonable?
Replies: 14
Views: 1441

Re: Mortgage fees- Is this reasonable?

Had my closing today. Here are my closing costs to help compare against: Lender Origination/Application fee: $65 Appraisal: $350 Credit Report: $9.75 Flood Certification: $7.00 Tax Service Fee: $32.50 Title Insurance E-Filing Fee: $4.50 Attorney Fee: $800* + Prepaid interest + County recording fees ...
by BrandonBogle
Thu Mar 16, 2017 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 258
Views: 21025

Re: Quicken's future direction - a cause for concern

Youngblood wrote:$45 dollars is the most you can lose if the three year promise doesn't come true.


That and your data if you don't also maintain a version of your data in an older Quicken release that doesn't require reauthentication (2016 perhaps?).
by BrandonBogle
Thu Mar 16, 2017 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard for Short Term (3-5 yrs) Savings?
Replies: 12
Views: 982

Re: Vanguard for Short Term (3-5 yrs) Savings?

Hi Everybody, Current debt: * $199K mortgage w/ 23 years left @ 5% Retirement / Savings: * 401K - $53K, no longer matched by my employer but currently contribute 7% (plan to increase). * Vanguard Roth IRA - $24K (maxed out yearly since 2015, I've maxed my contribution for 2017) * High Yield Savings...
by BrandonBogle
Thu Mar 16, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Trying to transfer a Roth IRA and this Medallion Signature requirement is driving me nuts!
Replies: 38
Views: 1924

Re: Trying to transfer a Roth IRA and this Medallion Signature requirement is driving me nuts!

A few years ago (2010?) I thought I was going to need a Medallion Signature Guarantee to transfer my HSA from a credit union. I called Schwab to ask if they could do it if I went to one of their offices (I am a long time Schwab brokerage account holder) and they said they would only do it if they w...
by BrandonBogle
Thu Mar 16, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Trying to transfer a Roth IRA and this Medallion Signature requirement is driving me nuts!
Replies: 38
Views: 1924

Re: Trying to transfer a Roth IRA and this Medallion Signature requirement is driving me nuts!

Reading the original post, no problem has actually occurred yet. I would just fill out the transfer form (w/o signature guarantee) and send it into Vanguard and let them request the transfer. Nobody you have talked to on the phone is actually responsible at the sending broker for processing transfe...
by BrandonBogle
Thu Mar 16, 2017 6:30 am
Forum: Investing - Theory, News & General
Topic: Vanguard the Trendsetter
Replies: 1
Views: 477

Vanguard the Trendsetter

I find Vanguard's latest marketing banner quite amusing! We started lowering costs for investors before it was popular See how a revolutionary idea is changing investing http://i.imgur.com/XUCDQEdh.jpg Follow the link to learn more about Vanguard becoming a more common household name outside of know...
by BrandonBogle
Thu Mar 16, 2017 6:22 am
Forum: Investing - Help with Personal Investments
Topic: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?
Replies: 60
Views: 3283

Re: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?

@nobodyimportant, Just keep in mind that for Vanguard, the ETF is just another share class of the mutual funds and thus, the turnover rates between them are the same. Additionally, comparing Admiral Shares to the ETF have the same expense ration and costs (except for early in a funds existence where...
by BrandonBogle
Wed Mar 15, 2017 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 101
Views: 9596

Re: Early Retirement - what to do about healthcare?

In another thread a poster tapped me on the shoulder and suggested I look into the full cost of my employer medical plan vs. what is deducted from my paycheck to form as a baseline for medical costs, and assume that I could never find a plan as "cheap" as my employer. So I did that and was...
by BrandonBogle
Wed Mar 15, 2017 1:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Portfolio Watch
Replies: 8
Views: 1030

Re: Vanguard Portfolio Watch

Maybe two years ago, portfolio watch would download my external holdings and flag them as "other" -- however, it would then let me "edit" them and put an equivalent ticker to them. So for instance, my 401k's US Total Bond Institutional Unit Trust I flagged as equivalent to Vangua...
by BrandonBogle
Wed Mar 15, 2017 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA ending voluntary expense waiver on CREF Money Market
Replies: 6
Views: 604

Re: TIAA ending voluntary expense waiver on CREF Money Market

Do most people have access to both? (Our plan does, and I've never quite understood that, either... why have two. I assume it's an artifact from the early days of CREF/TIAA-CREF?) FWIW, my TIAA plan offers CREF MM (R3), their Institutional share class MMF, the Vanguard Treasury MMF, and a TIAA stab...
by BrandonBogle
Wed Mar 15, 2017 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 66
Views: 7147

Re: What Do You Keep In Your Bank Safe Deposit Box?

Ged wrote:
BrandonBogle wrote:
https://www.xkcd.com/936/



The XKCD example doesn't help with the need to use different passwords for each site.


The discussion was about a poster using a password manager, like 1Password, but having to write down their master password.
by BrandonBogle
Wed Mar 15, 2017 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: What if someone gets your password and transfers money from your bank to theirs?
Replies: 42
Views: 5851

Re: What if someone gets your password and transfers money from your bank to theirs?

An ACH is not a wire transfer. See ThreeBear's helpful post for an explanation about the difference between the two. Let me try again, since you didn't understand my post. I understand the difference between ACH and wire transfer. I do not live in the US. The only way to get access to my money in m...
by BrandonBogle
Wed Mar 15, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: $464.12 dinner bill last night. No regrets.
Replies: 78
Views: 9541

Re: $464.12 dinner bill last night. No regrets.

That is a great story. Congrats on paying off your loans. But even better to hear is that you took the time and effort to thank those that got you there, not many people do that and it is a very good reminder. Chad Indeed! Guitarguy, congrats and kudos. Not only have you set yourself on the path to...
by BrandonBogle
Tue Mar 14, 2017 6:21 pm
Forum: Personal Consumer Issues
Topic: Temporarily registering new car at friend's address -- anything wrong?
Replies: 39
Views: 2100

Re: Temporarily registering new car at friend's address -- anything wrong?

Maybe things are different in California, but in North Carolina, we pay a few components to the government after the dealership has fleeced us: ⋅ Statewide one-time sales/road use tax on purchase price - 3% ⋅ Statewide annual registration fees ⋅ County annual property t...
by BrandonBogle
Tue Mar 14, 2017 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 66
Views: 7147

Re: What Do You Keep In Your Bank Safe Deposit Box?

That is not how one makes a strong password. However, if there is a phrase you can remember such as George Washington Was the First President, you can make you password the first letter of each word for: GWWTFP followed or preceded by a symbol and the PIN or phone number that you have memorized, an...
by BrandonBogle
Tue Mar 14, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 66
Views: 7147

Re: What Do You Keep In Your Bank Safe Deposit Box?

If you are writing the password down, you are already doing it wrong. You have to keep them separated daily, not just in the box. I see your point, and largely agree with it, but I don't trust myself never to forget a master password consisting of 20 random letters, numbers, and symbols. And if I f...
by BrandonBogle
Mon Mar 13, 2017 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Putting Savings in Perspective
Replies: 54
Views: 4075

Re: Putting Savings in Perspective

You might review mmm post on savings rate and early retirement. http://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/ Well, or you might not. He assumes a 4% SWR and a 5% real return to come up with those numbers. I always take any such article or advice as a...
by BrandonBogle
Mon Mar 13, 2017 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 258
Views: 21025

Re: Quicken's future direction - a cause for concern

Unfortunately, looking at what happened to Quicken and the competing products, there just doesn't seem to be that many that want to track their expenses and investments at that level. Most people get their IRA/401k or whatever statement quarterly, look at it, and then throw it in the trash. Most pe...
by BrandonBogle
Mon Mar 13, 2017 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Putting Savings in Perspective
Replies: 54
Views: 4075

Re: Putting Savings in Perspective

5 year treasury yields 2.13%... I'm not quite sure I'm following. The money is currently invested and I took out the loan since the loan interest was cheaper than the capital gains. Similarly, being invested in a 5 year treasury would pay more than the loan is charging me. So are you validating wha...

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