Search found 100 matches

by boglesmind
Tue Oct 17, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 54
Views: 4715

Re: WPA2 protocol used by vast majority of wifi connections has been broken

[*]Netgear and many other router manufacturers have firmware updates. https://kb.netgear.com/000049498/Security-Advisory-for-WPA-2-Vulnerabilities-PSV-2017-2826-PSV-2017-2836-PSV-2017-2837 Does anyone know why the netgear R6400 is missing from that list? It seems to be just about the only model mis...
by boglesmind
Mon Oct 16, 2017 9:38 pm
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 54
Views: 4715

Re: WPA2 protocol used by vast majority of wifi connections has been broken

According to the KRACK site, it is the client devices that are the most vulnerable, not wifi routers: Our main attack is against the 4-way handshake, and does not exploit access points, but instead targets clients. So it might be that your router does not require security updates. We strongly advis...
by boglesmind
Thu Oct 12, 2017 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: 2 factor authentication - What if something happens to you?
Replies: 50
Views: 4135

Re: 2 factor authentication - What if something happens to you?

DW and I each have separate IRAs at Vanguard in our individual names. If I were to log-in to my account and change the title to both of our names would that change legal ownership to both of us? I already have her listed as the beneficiary. Customers don't have the ability to "edit" the title of th...
by boglesmind
Thu Oct 12, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Voiceprint technology (for authentication)
Replies: 24
Views: 1291

Re: Voiceprint technology (for authentication)

Google search of "security of voiceprint" brings up, among others, In May 2017, BBC fools HSBC voice recognition security system http://www.bbc.com/news/technology-39965545 . What's really alarming is that the bank allowed me seven attempts to mimic my brother's voiceprint and get it wrong, before I...
by boglesmind
Thu Oct 05, 2017 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating merit scholarships
Replies: 32
Views: 2026

Re: Negotiating merit scholarships

My nephew is an outstanding student who will enter college next Fall. He recently found out he got into the University of Arizona with a $35,000 merit scholarship, which is consistent with the "automatic" scholarship they generate for an out-of-stater with his stats (4.0+ GPA, high SAT) according t...
by boglesmind
Tue Oct 03, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Senior citizens can lose everything [to professional guardians via court rulings]
Replies: 111
Views: 9210

Re: Senior citizens can lose everything to this growing scam

But...this is very concerning. I scanned the article and actually it appears that OP's title is a bit overactive, as it seems that the particular abuse described has been reined in to a degree. It sounded more to me like one bad actor got caught and one state may be enacting legislation to limit th...
by boglesmind
Thu Sep 28, 2017 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: I'm shocked! [Mother 100% in bonds and annuities]
Replies: 67
Views: 6375

Re: I'm shocked!

Should my mom start giving assets to my brother and I to protect her money in case dad gets worse ( Right now mom takes care of dad) or my mom gets to the point of needing care? I haven't had that talk yet. Am I correct about that? I hate to bring it up to her, so I haven't. Can I please get some i...
by boglesmind
Thu Sep 28, 2017 12:04 pm
Forum: Investing - Theory, News & General
Topic: VG using outsourcing to call me & I'm not happy
Replies: 76
Views: 7047

Re: VG using outsourcing to call me & I'm not happy

This was almost certainly phishing (or whatever the phone version is called). Its quite easy to fake a phone number. How the scammer knew about your Vanguard accounts is probably the most disturbing part. Not at all disturbing. Since there are so many scams nowadays, we seem to jump at shadows. Unl...
by boglesmind
Fri Sep 15, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Another bay area housing thread..
Replies: 143
Views: 13429

Re: Another bay area housing thread..

From the article The inflamed bidding is just another indicator of Sunnyvale’s transformation from a modest middle-class community to one where only the wealthy can afford to buy, as has been the case for a number of years now in Palo Alto, Los Altos and other cities farther north. And it is a snaps...
by boglesmind
Mon Aug 28, 2017 2:19 pm
Forum: Investing - Theory, News & General
Topic: Why not just buy BRK.B or BRK.A?
Replies: 49
Views: 3814

Re: Why not just buy BRK.B or BRK.A?

The numbers are really great for the past. Do you expect the same outperformance in the future? Not for all time periods. For example, see Brk.A underperform S&P 500 since 1/1/2009. http://quotes.morningstar.com/chart/fund/chart.action?&t=XNAS:VFIAX®ion=usa&culture=en-US&cur=&dataParams=%7B%22zo...
by boglesmind
Sun Aug 13, 2017 2:57 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 60381

Re: Forum software upgrade bug reports and change requests

^^^ That's the home page screen, which is not affected by the software. Currently , there's no mobile support. I'm working on that with the site owners, which is a long-standing request. (There's no need to ask further, which has already been done in several threads.) Didn't know that. Thanks for t...
by boglesmind
Sun Aug 13, 2017 2:43 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 60381

Re: Forum software upgrade bug reports and change requests

An observation: the previous software version was more readable on my phone - although the text in posts is still formatted to fit the screen width, in this version the text is meaningfully smaller. The forum main page has tiny fonts on phones running Android 7.x (Nexus 5, 6p etc ) and each thread ...
by boglesmind
Thu Jul 20, 2017 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Must file late 5500-Ez - is this DIY?
Replies: 22
Views: 1697

Re: Must file late 5500-Ez - is this DIY?

Thanks for the info. It's definitely DIY for me but was just looking for a confirmation See https://thefinancebuff.com/form-5500ez-for-your-solo-401k.html and https://thefinancebuff.com/solo-401k-self-employment.html . It does take about 15 minutes to fill this form. BTW, Fidelity or Vanguard doesn...
by boglesmind
Thu Jul 06, 2017 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: When should I exercise my incentive stock options?
Replies: 34
Views: 2640

Re: When should I exercise my incentive stock options?

Another question: Does form 83(b) come into play with incentive stock options? I believe so, but the 30 day limit from date of grant may keep this option off the table. Subscribing since I'm about to start vesting ISO's in a small, venture funded company. Low/mid 5-figure strike, with an upper 7-fi...
by boglesmind
Wed Jul 05, 2017 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on 1.2m (now 900K) house purchase
Replies: 188
Views: 12739

Re: Seeking advice on 1.2m house purchase

deleted -- corrected by others
by boglesmind
Thu Jun 29, 2017 6:43 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 159
Views: 21357

Re: Vanguard upgraded my accounts - angry

So you are saying that if I click on "balances and holdings over time" ... "over time" will only be from the transition date forward (i.e. from now going forward)? I won't see "balances and holdings" starting from 01/03/2011 (when I first contributed to this mutual fund)? My "Balances over time" sc...
by boglesmind
Sun Jun 25, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: Bay Area housing
Replies: 69
Views: 6569

Re: Bay Area housing

The daunting thing here is all those people who are buying with all-cash. Consider that if they're cashing out stock options, you need to cash out close to $4M to have $2M after all the taxes. Sure, the bay area is popular and minting money like crazy, but it does drive some concerns about whether ...
by boglesmind
Sun Jun 25, 2017 7:09 pm
Forum: Personal Consumer Issues
Topic: Bay Area housing
Replies: 69
Views: 6569

Re: Bay Area housing

It's a lateral move, so what's the issue? You'll pay more for re taxes. I would think the California real estate bubble will have to pop sooner or later. Everyone is saying it's different this time....lol. Funny how so many people here seem to be split on whether we are in a bubble or not. To me, t...
by boglesmind
Wed Apr 26, 2017 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Calif Tax Refund Length of Time to Receive
Replies: 19
Views: 1389

Re: Calif Tax Refund Length of Time to Receive

Paper returns mailed 8th April, refund approved 20th April and direct deposit received 26th April. 18 days from filing to receiving refund, faster than the month it took last year.

Boglesmind
by boglesmind
Thu Feb 23, 2017 1:23 am
Forum: Investing - Theory, News & General
Topic: Extreme Valuations, and why you should reconsider
Replies: 307
Views: 24509

Re: Extreme Valuations, and why you should reconsider

FWIW, in January 2000 the CAPE 10 was forecasting a real return to US stocks of 2.3%, it has been 3%. I'd say that was a very good prediction. Larry Out of curiosity, does that include dividends? I wonder if there is a chart of CAPE-10 based forecasts of US stocks since the beginning of CAPE-10 vs ...
by boglesmind
Sun Feb 19, 2017 9:38 pm
Forum: Investing - Theory, News & General
Topic: Primecap Admiral Fund VPMAX
Replies: 14
Views: 2017

Re: Primecap Admiral Fund VPMAX

Our 401K plan included Vanguard Primecap and Fidelity Growth Fund (FDGRX). Happy owning them since late 90s. It's sort of academic for most folks, anyway since it's closed to new investors. Owned Vanguard Primecap Core Fund (VPCCX) in taxable account from 2004 since VPMAX is closed. Performance of V...
by boglesmind
Tue Feb 14, 2017 1:20 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 1099s available - Other companies just as good for sending 1099s???
Replies: 63
Views: 6534

Re: Vanguard 1099s available - Other companies just as good for sending 1099s???

Does the 1099 consolidated form from Vanguard include the information on the 1099-DIV forms that were released last month? Or are both forms still needed to prepare taxes? Both are needed for 2 non-overlapping periods in 2016. The 1099-DIV for Vanguard Mutual funds includes all dividends distribute...
by boglesmind
Mon Feb 13, 2017 5:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 1099s available - Other companies just as good for sending 1099s???
Replies: 63
Views: 6534

Re: Vanguard 1099s available - Other companies just as good for sending 1099s???

oldzey wrote:
oldzey wrote:I'm guessing Feb. 14th for the Consolidated Form 1099 from VBS.


Posted today (Feb. 13th).


Mine as well.
by boglesmind
Sat Feb 04, 2017 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: "Settlement" fund help.
Replies: 33
Views: 3117

Re: "Settlement" fund help.

PS: A nod to the tech folks who understand what I mean by "Lotus Notes UX Hall of Shame". The only good thing about Lotus Notes was I got a free copy at work. Is it really a good thing? I know of colleagues who'd use a Lotus Notes to Outlook connector (not "sanctioned" by IT) to...
by boglesmind
Sat Feb 04, 2017 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-INT Bond Premium and Schedule B
Replies: 11
Views: 958

Re: 1099-INT Bond Premium and Schedule B

Start reading here: m I'm unclear on how those instructions are supposed to assist with my query, as I am not filing a 1099-INT. Did you read the descriptions? Do you know what box 11 means? You said you had no idea what these were from. I'm not clear how one can acquire something by inheritance &q...
by boglesmind
Sat Feb 04, 2017 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-INT Bond Premium and Schedule B
Replies: 11
Views: 958

Re: 1099-INT Bond Premium and Schedule B

Start reading here: m I'm unclear on how those instructions are supposed to assist with my query, as I am not filing a 1099-INT. The Amortizable Bond Premium (as reported in Box 11 of 1099-INT) may be deducted from the bond interest. How to do that? Please see https://www.irs.gov/pub/irs-pdf/f1040s...
by boglesmind
Sat Feb 04, 2017 2:56 pm
Forum: Investing - Theory, News & General
Topic: Is a total market fund the most diversified
Replies: 157
Views: 15900

Re: Is a total market fund the most diversified

You don't have to use an advisor or even pay for "high fee" funds to get factor exposure. You can get cheap "index" (in Gus Sauter's own words) fund factor exposure from Vanguard,... Any pointers to succinct reading material on factor investing and use of low cost Vanguard index...
by boglesmind
Sat Feb 04, 2017 1:54 pm
Forum: Investing - Theory, News & General
Topic: Is a total market fund the most diversified
Replies: 157
Views: 15900

Re: Is a total market fund the most diversified

You don't have to use an advisor or even pay for "high fee" funds to get factor exposure. You can get cheap "index" (in Gus Sauter's own words) fund factor exposure from Vanguard,... Any pointers to succinct reading material on factor investing and use of low cost Vanguard index...
by boglesmind
Fri Feb 03, 2017 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: Google Spreadsheets with realtime Morningstar.com data
Replies: 15
Views: 3146

Re: Google Spreadsheets with realtime Morningstar.com data

Long-time lurker on the Bogleheads Forum, but first time poster. I am really interested in checking out these spreadsheets with live morningstar data (a big thank you to Alpha3005 for publishing these). These would make my annual portfolio check/rebalancing efforts go much quicker and smoother. I h...
by boglesmind
Fri Feb 03, 2017 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: AMT and taxable portion of state tax refund
Replies: 17
Views: 3014

Re: AMT and taxable portion of state tax refund

Does this require attaching the re-figured prior year regular tax and AMT calculations showing that there was no change in tax owed (in which case the entire refund is not taxable) or so much of the refund that does not result in a reduction of any tax owed? Yes in its own 2016 worksheet. I use Tur...
by boglesmind
Sun Jan 22, 2017 9:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 1099s available - Other companies just as good for sending 1099s???
Replies: 63
Views: 6534

Re: Vanguard 1099s available - Other companies just as good for sending 1099s???

Yeh, what good does it do to get the forms earlier if they are going to get corrected information from the entities that make up those funds? You only need one REIT in the S&P 500 that doesn't report 'til mid January (or even early February) to cause the fund to have to issue a correction. yes,...
by boglesmind
Sun Jan 22, 2017 1:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 1099s available - Other companies just as good for sending 1099s???
Replies: 63
Views: 6534

Re: Vanguard 1099s

. Probably is not necessary. Getting your 1099 later is just one more reason why a brokerage account is not a good idea for someone who only owns Vanguard mutual funds. I have the updated brokerage accounts at Vanguard but I hold only mutual funds in them, not ETFs. I'm not sure that end of Februar...
by boglesmind
Sun Jan 22, 2017 12:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 1099s available - Other companies just as good for sending 1099s???
Replies: 63
Views: 6534

Re: Vanguard 1099s available - Other companies just as good for sending 1099s???

I just noticed that the interest reported on my daughter's Vanguard 1099-DIV only represents part of the year (presumably before the switch to brokerage). I am assuming Vanguard will send another 1099-DIV, but that will make it confusing and frustrating for investors. As I recall, Vanguard sent two...
by boglesmind
Fri Jan 20, 2017 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Tax forms for newly opened brokerage account
Replies: 25
Views: 1980

Re: Tax forms for newly opened brokerage account

Please wait. Then wait some more for the corrected forms. Then wait even more for the corrections to the corrected forms. After all, we're talking about Vanguard here. I file in October after filing for an extension in April. Everybody should do that. is it really that bad with Vanguard? i prefer n...
by boglesmind
Thu Jan 12, 2017 11:07 pm
Forum: Investing - Theory, News & General
Topic: Bogle says 50-50 short/intermediate bonds
Replies: 45
Views: 6882

Re: Bogle says 50-50 short/intermediate bonds

A friend nearing retirement has the following bond allocation in his taxable acct (28% Federal and 10% CA marginal tax ) 25% vanguard CA long term tax-exempt admiral (VCLAX) 25% vanguard CA intermediate term tax-exempt admiral (VCADX) 50% Vanguard Short-Term Tax-Exempt Fund Admiral (VWSUX) Rest of h...
by boglesmind
Sun Jan 08, 2017 11:03 pm
Forum: Personal Consumer Issues
Topic: Which car paint option Maaco
Replies: 40
Views: 4859

Re: Which car paint option Maaco

+1. Google PT cruiser transmission failures. Way too many failures at about 50K miles and the repairs costs $3K or more depending on location and the repair shop. Happened to a friend who bought a new PT cruiser 'cause he liked the looks I'd suggest getting rid of it and buying a 3 or 4 year old re...
by boglesmind
Sun Jan 08, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: Which car paint option Maaco
Replies: 40
Views: 4859

Re: Which car paint option Maaco

The car is a chrysler PT cruiser, not a honda, but I think they are pretty good mechanically even though not Japanese. At least consumer reports rated them a good buy before I bought it. It has side airbags etc, You've been lucky. Consumer reports has actually ranked it as one of the worst used car...
by boglesmind
Sat Jan 07, 2017 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: "Settlement" fund help.
Replies: 33
Views: 3117

Re: "Settlement" fund help.

Unlike my other brokers where this "credits and debits" would appear as "cash" and could be negative. Unlike your other brokers, Vanguard is actually being more transparent about what this balance actually represents. It's not "cash." It is either an asset (i.e. they o...
by boglesmind
Fri Jan 06, 2017 12:06 am
Forum: Investing - Help with Personal Investments
Topic: Year-end statement is missing my December bond fund and money market fund dividends and showing incorrect Year to Date i
Replies: 29
Views: 2504

Re: Year-end statement is missing my December bond fund and money market fund dividends and showing incorrect Year to Da

Happened to me as well. Just a few hundred dollars and makes no difference one way or other for me. IIRC, when interest / dividends / capital gains are re-invested, they happen on the same day as the declaration date (and may appear the next day in one's account). However, when they are paid in cash...
by boglesmind
Sun Jan 01, 2017 6:38 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1527
Views: 271277

Re: What are you up YTD? [Year To Date]

11.73% annual return for 2016 according to Quicken, taking into account time-weighted periodic investments, re-invested dividends and capital gains, and withdrawals. 95% stocks + stock mutual funds, 5% bond funds. Lower performance compared to VFIAX (vanguard index 500)'s 11.93%, primarily due to th...
by boglesmind
Fri Dec 02, 2016 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Handling "drive-by" doctoring bills following surgery?
Replies: 107
Views: 11899

Re: Handling "drive-by" doctoring bills following surgery?

After reading some of that NY Times article with out of network surprise doctors billing $50k, 100k, 150k, ect. you'd think that the insurance company would dictate to the hospital that if they're in network they can't use any out of network personnel in their hospital. After all, the insurance com...
by boglesmind
Fri Dec 02, 2016 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Handling "drive-by" doctoring bills following surgery?
Replies: 107
Views: 11899

Re: Handling "drive-by" doctoring bills following surgery?

After reading some of that NY Times article with out of network surprise doctors billing $50k, 100k, 150k, ect. you'd think that the insurance company would dictate to the hospital that if they're in network they can't use any out of network personnel in their hospital. After all, the insurance com...
by boglesmind
Thu Dec 01, 2016 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Handling "drive-by" doctoring bills following surgery?
Replies: 107
Views: 11899

Re: Handling "drive-by" doctoring bills following surgery?

Doesn't seem fair that everyone elses rates get jacked up because of this practice and that the doctors get overpaid because they choose to stay of the network. Fair is that an in network hospital provides in network support staff. ... For better or worse, this is either solved by legislature (seve...
by boglesmind
Thu Dec 01, 2016 11:45 am
Forum: Investing - Theory, News & General
Topic: Benefits of TLH Intermediate Muni Tax exempt
Replies: 26
Views: 3080

Re: Benefits of TLH Intermediate Muni Tax exempt

^ Everyone will handle this differently, depending on what's available. For me, I will be TLH'ing between CA intermediate and national intermediate. ... If I were starting from scratch I might consider the intermediate/long switches, knowing I might net losses which will take an awful long time to ...
by boglesmind
Fri Nov 25, 2016 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: TLH CA Bond Funds?
Replies: 38
Views: 3073

Re: TLH CA Bond Funds?

May I ask if you read any parts of a prospectus in the past day or so? I suspect if there was a list, then it would be on the wiki. To make such a list, a motivated person (you?) would have to read the prospectuses and make the list. (I don't own any muni-bond fund shares at all, so I myself have n...
by boglesmind
Mon Oct 24, 2016 9:28 pm
Forum: Investing - Theory, News & General
Topic: High Yield Municipals Find a Sweet Spot
Replies: 1
Views: 531

High Yield Municipals Find a Sweet Spot

PIMCO continues to see value in the high yield municipal market, however, credit selection remains key.

https://www.pimco.com/insights/investment-strategies/strategy-spotlight/high-yield-municipals-find-a-sweet-spot

Comments?
Boglesmind
by boglesmind
Mon Oct 24, 2016 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Property Tax - Estimate
Replies: 10
Views: 978

Re: Property Tax - Estimate

Hi, So if I google it says property tax is generally 1.25% of the price I paid for the house. For. e.g, I paid 1,00,000 for the house in Bay area and purchased in June, how much should I be expecting the property tax bill. I received one bill for 1500, but it does show the price I paid for the hous...
by boglesmind
Fri Oct 21, 2016 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare costs and self funding
Replies: 96
Views: 8345

Re: Healthcare costs and self funding

Hopefully someone can explain this, but I thought with the elimination of pre-existing conditions a chronic illness could be handled by signing up for health coverage when needed - for example if diagnosed with cancer. Obviously this would not work with acute life or death type emergencies, but why...
by boglesmind
Thu Oct 13, 2016 1:31 pm
Forum: Investing - Theory, News & General
Topic: Cliff Asness - Turning Over Accepted Wisdom with Turnover
Replies: 29
Views: 3442

Re: Cliff Asness - Turning Over Accepted Wisdom with Turnover

How very strange that two who make their livelihood from selling non-market weighted indexes The official biography of the paper's author says, Lasse Heje Pedersen is a finance professor at Copenhagen Business School and NYU Stern School of Business and a principal at AQR Capital Management. He has...