Search found 950 matches

by zaplunken
Tue Apr 09, 2019 7:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market yield over 2.5%
Replies: 223
Views: 44889

Re: Vanguard Prime Money Market yield over 2.5%

Ally Bank still has a 12 month CD for 2.75% and it doesn't show any minimum like their other CDs.
https://www.ally.com/bank/cd-rates/
by zaplunken
Mon Apr 01, 2019 8:12 am
Forum: Personal Consumer Issues
Topic: Do others dislike Vanguard's new website as much as me?
Replies: 151
Views: 10973

Re: Do others dislike Vanguard's new website as much as me?

I don't know what is wrong with Vanguard's website, it works fine for me. I can find the things I want to find. I like how they group the funds and the pages on those funds provide the info I want. So what exactly is the problem?
by zaplunken
Sat Mar 23, 2019 7:58 pm
Forum: Investing - Theory, News & General
Topic: Why is Prime Money Market and Ultra Short Term Bond Fund behaving this way?
Replies: 13
Views: 2732

Re: Why is Prime Money Market and Ultra Short Term Bond Fund behaving this way?

I was not trying to comapre the PMM to 1 yr T bills but I was for the USTBF. While I know both aren't heavy into nor track treasuries, I was thinking both are short term and to some degree the bills under 1 year should have some effect on them no? The PMM maybe would reflect the 30 and 60 day bills ...
by zaplunken
Fri Mar 22, 2019 7:47 pm
Forum: Investing - Theory, News & General
Topic: Why is Prime Money Market and Ultra Short Term Bond Fund behaving this way?
Replies: 13
Views: 2732

Why is Prime Money Market and Ultra Short Term Bond Fund behaving this way?

I hold the Prime Money Market (PMM) and the Ultra Short Term Bond Fund (USTBF) and just for fun I look at the SEC yield of both and the nav of the USTBF each night just to see whether the yields change due to the drop in interest rates lately. While the 1 year Treasury bill's coupon has been going d...
by zaplunken
Wed Mar 20, 2019 8:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market yield over 2.5%
Replies: 223
Views: 44889

Re: Vanguard Prime Money Market yield over 2.5%

Ally Bank has a 12 CD at 2.75%, I would avoid GNMA due to negative convexity.
by zaplunken
Wed Mar 13, 2019 7:34 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1005
Views: 143565

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

That's probably the case with all dealerships.

I doubt Honda dealers would put anything in writing re the oil dilution since they don't acknowledge it's existance and it isn't covered under the manufacturer's warranty.
by zaplunken
Mon Mar 11, 2019 5:31 pm
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 200
Views: 15322

Re: Are Password Managers Really Necessary?

Copy and paste seems dangerous even though I set the time out to keep it in the clipboard for 10 seconds cuz it is there for those 10 seconds. This is why I thought click, drag and drop was safer but that may be putting it into the clipboard too and I don't know that. I think you need to reevaluate...
by zaplunken
Mon Mar 11, 2019 4:10 pm
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 200
Views: 15322

Re: Are Password Managers Really Necessary?

When I went to the "Edit/View Entry" option for an entry, I then clicked on the Auto-type tab in that section. At the bottom of that tab I ticked the obfuscation box and was presented with a pop-up warning me that it does not work everywhere. I clicked ok, and then "saved" the change. The next time...
by zaplunken
Mon Mar 11, 2019 2:13 pm
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 200
Views: 15322

Re: Are Password Managers Really Necessary?

Something I wonder about, does anyone know? Using KP I can copy and paste a userid or password or I can click and drag and drop them. Now copy and paste stores it in the clipboard but I set the timeout to 10 seconds but for those 10 seconds I assume they are visible. Would the click and drag elimin...
by zaplunken
Mon Mar 11, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1005
Views: 143565

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

This thread was started "by CULater » Wed Mar 14, 2018 1:34 pm" so we are 3 days short of 1 full year. Why do you guys care whether the OP keeps his car or why he keeps updating this thread? Maybe he wants to keep people informed or maybe he has a sense of right and wrong and wants the right thing t...
by zaplunken
Sun Mar 10, 2019 11:43 am
Forum: Personal Investments
Topic: Tax efficiency in a taxable account
Replies: 20
Views: 2230

Re: Tax efficiency in a taxable account

Thanks everyone. I tend to be very intent upon doing what is the very best, not 90% or 93%! Sometimes being a perfectionist is hard, analysis paralysis and all that. I have no reason/need to tax loss harvest today as the only investment in my taxable account is the TSMI and it's up about 10% over th...
by zaplunken
Sat Mar 09, 2019 10:13 pm
Forum: Personal Investments
Topic: Tax efficiency in a taxable account
Replies: 20
Views: 2230

Re: Tax efficiency in a taxable account

So it reads like you want to spend $1.02 in order to save $1.00 on taxes. It is late and I'm beat (having trouble thinking clearly!) but would like to continue this discussion tomorrow. I am sorry but I don't understand your post. Which concept in my post does your comment apply to? I'm guessing th...
by zaplunken
Sat Mar 09, 2019 9:43 pm
Forum: Personal Investments
Topic: Tax efficiency in a taxable account
Replies: 20
Views: 2230

Re: Tax efficiency in a taxable account

Thank you for your replies, I'll look into the 2 funds that livesoft mentioned. I am not expert, but you might find it useful to look at the following https://advisors.vanguard.com/VGApp/iip/advisor/csa/investments/taxcenter/yeartodate to get an idea of the relative tax efficienty of the VG funds. ...
by zaplunken
Sat Mar 09, 2019 8:37 pm
Forum: Personal Investments
Topic: Tax efficiency in a taxable account
Replies: 20
Views: 2230

Re: Tax efficiency in a taxable account

Thank you for your replies, I'll look into the 2 funds that livesoft mentioned.
by zaplunken
Sat Mar 09, 2019 5:21 pm
Forum: Personal Investments
Topic: Tax efficiency in a taxable account
Replies: 20
Views: 2230

Re: Tax efficiency in a taxable account

Do you want to spend $2 to save $1 on taxes? Do you want to spent $1.02 to save $1 on taxes? I don't think that makes sense, spending $2 to save $1 is a loss of $1, no? That seems counterproductive. I'm just interesting in having holdings in a taxable account that doesn't generate a lot of taxable ...
by zaplunken
Sat Mar 09, 2019 4:46 pm
Forum: Personal Investments
Topic: Tax efficiency in a taxable account
Replies: 20
Views: 2230

Re: Tax efficiency in a taxable account

Thank you. So if these 2 "total stock" mutual funds are not the most tax efficient what would be? I think it is good to minimize taxes so while I am not in a high tax bracket what would be better choices other than the 2 "tota" stock" mutual funds? Is the Vanguard Tax-Managed Balanced Fund Admiral S...
by zaplunken
Sat Mar 09, 2019 4:30 pm
Forum: Personal Investments
Topic: Tax efficiency in a taxable account
Replies: 20
Views: 2230

Tax efficiency in a taxable account

I remember reading some years ago (in the WIKI?) that the Total Stock Market Index and the Total International Stock Market Index were good if not the best mutual funds to hold in a taxable account due to their tax efficiency ie low turnover. I won't be taking RMDs for 2 years, I do not need the inc...
by zaplunken
Fri Mar 08, 2019 9:06 pm
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 200
Views: 15322

Re: Are Password Managers Really Necessary?

Something I wonder about, does anyone know? Using KP I can copy and paste a userid or password or I can click and drag and drop them. Now copy and paste stores it in the clipboard but I set the timeout to 10 seconds but for those 10 seconds I assume they are visible. Would the click and drag elimina...
by zaplunken
Thu Mar 07, 2019 3:56 pm
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 200
Views: 15322

Re: Are Password Managers Really Necessary?

The only secure way is to store passwords is in your head. Period. And the way you do it with multiple sites is by creating a unique phrase for each site with what is called a “cipher”. A single code word only you know. That code is your core to which you build your unique password by adding someth...
by zaplunken
Mon Mar 04, 2019 7:34 pm
Forum: Personal Consumer Issues
Topic: Do others dislike Vanguard's new website as much as me?
Replies: 151
Views: 10973

Re: Do others dislike Vanguard's new website as much as me?

Thanks to an employer benefit, I just created a Fidelity account. I never knew what I was missing until I had something to compare with Vanguard. With Fidelity, my employer benefits (from netbenefits.com) are fully integrated into the personal website (fidelity.com). One login, see everything in on...
by zaplunken
Fri Mar 01, 2019 8:29 pm
Forum: Personal Consumer Issues
Topic: Do others dislike Vanguard's new website as much as me?
Replies: 151
Views: 10973

Re: Do others dislike Vanguard's new website as much as me?

Well this is interesting to know, if I really want to find something at Vanguard's site I'll use Chrome. I just wrote this off as "Vanguard's search is as useless as just about all websites' searches". Now I wonder if those others would be effective using Chrome?
by zaplunken
Fri Mar 01, 2019 6:57 pm
Forum: Personal Consumer Issues
Topic: Do others dislike Vanguard's new website as much as me?
Replies: 151
Views: 10973

Re: Do others dislike Vanguard's new website as much as me?

LadyGeek,

Just for me to be clear I can see that page for the Ultra Short Term Bond Fund in both FF and Chrome. It is when I do a search from the Search box on that screen when I search for "ex div" (no quotes) Chrome returns a list of hits whereas FF returns "No Matches Found".
by zaplunken
Thu Feb 28, 2019 9:14 pm
Forum: Personal Consumer Issues
Topic: Do others dislike Vanguard's new website as much as me?
Replies: 151
Views: 10973

Re: Do others dislike Vanguard's new website as much as me?

I just tried ex div with both browsers and got No Matches Found for both. I never found the search feature on any website to be worth the powder to blow it to Hell.
by zaplunken
Thu Feb 28, 2019 7:25 pm
Forum: Personal Consumer Issues
Topic: Do others dislike Vanguard's new website as much as me?
Replies: 151
Views: 10973

Re: Do others dislike Vanguard's new website as much as me?

I just did a search using FF and Chrome from the same Vanguard address (https://investor.vanguard.com/mutual-fu ... ance/vusfx) for "small cap growth" not in quotes BTW and I got the same results on both browsers.
by zaplunken
Wed Feb 27, 2019 9:04 pm
Forum: Personal Consumer Issues
Topic: Do others dislike Vanguard's new website as much as me?
Replies: 151
Views: 10973

Re: Do others dislike Vanguard's new website as much as me?

Vanguard’s website is just fine. Gives me what I need. My only interactions with Fidelity are through the NetBenefit site. I find that site to be very clunky and difficult to navigate. I couldn't agree more! On a desktop pc I look at Vanguard's site 2x a month to check AA and Fido's NetNenefit the ...
by zaplunken
Sun Feb 17, 2019 5:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market yield over 2.5%
Replies: 223
Views: 44889

Re: Vanguard Prime Money Market yield over 2.5%

Momus wrote:
Sun Feb 17, 2019 5:01 pm
I post so I can save this thread for later use 8-)
Or you could just Subscribe. :wink:
by zaplunken
Sat Feb 09, 2019 4:00 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1005
Views: 143565

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

According to Consumer Reports, Honda company spokesman said, the repair (of current models) will be covered by the warranty, and will also be applied to 2019 model-year CR-Vs before the 2019s go on sale. I think the Civic and CR-Vs have the same engine). Without understanding how the fix is achieve...
by zaplunken
Mon Jan 28, 2019 8:29 pm
Forum: US Chapters
Topic: Happy Birthday, Taylor!
Replies: 76
Views: 3808

Re: Happy Birthday, Taylor!

Happy Birthday Sir!
by zaplunken
Wed Jan 16, 2019 7:59 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 50842

Re: John Bogle is dead at 89

What a sad day, one of the greatest men to have walked the Earth has left us. You did so much for so many, you were a modest man whose efforts have made such a profound difference in the lives of so many.Thank you Sir. RIP Mr. Bogle.
by zaplunken
Mon Jan 14, 2019 9:07 am
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 13076

Re: Recommendations for a 9mm handgun

Not sure what you are planning to do with this gun, BUT if you are using it for safety in the wild outdoors( hikes, wilderness trails, hunting), get a 10MM Glock. Pretty much the only handgun caliber that can stop a Grizzly. For a person new to firearms, a 10 mm is not a good 1st choice! I'd say th...
by zaplunken
Sun Jan 13, 2019 9:12 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 13076

Re: Recommendations for a 9mm handgun

Not sure what you are planning to do with this gun, BUT if you are using it for safety in the wild outdoors( hikes, wilderness trails, hunting), get a 10MM Glock. Pretty much the only handgun caliber that can stop a Grizzly. For a person new to firearms, a 10 mm is not a good 1st choice! I'd say th...
by zaplunken
Sun Jan 13, 2019 8:28 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 13076

Re: Recommendations for a 9mm handgun

I've actually considered selling it repeatedly since I don't use it. I don't want to hijack the threat but if anyone has any suggestions of how to do so legally and responsibly I'd love to know. I've only fired it a handful of times over the last few years. Meg you can sell it to any firearms shop....
by zaplunken
Sun Jan 13, 2019 3:51 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1005
Views: 143565

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Based upon how poorly Honda has handled this I am surprised anyone would buy another Honda especially someone that had the problem and had to dump the car for fear of what might be coming. I've bought used Hondas since 1987 and I am done with them, my 93 Accord will be the last one. Toyota will be m...
by zaplunken
Wed Nov 28, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: Google Voice, do unused numbers get deleted?
Replies: 21
Views: 2139

Re: Google Voice, do unused numbers get deleted?

Tamales wrote:
Wed Nov 28, 2018 4:05 pm
Google voice has no numbers left apparently. Even tried area codes from nearby states.
Yikes, now that really makes me want to use my GV number so they don't take it back. I wonder if they are reusing numbers that people let fall by the wayside?
by zaplunken
Mon Nov 26, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Google Voice, do unused numbers get deleted?
Replies: 21
Views: 2139

Re: Google Voice, do unused numbers get deleted?

Thanks for the replies. My number has gotten very little use in 2 1/2 years so I guess I'll use it to call my home phone every month just so it is there if I need it. It has been so long since I looked at making a call with it so I spent a lot of time trying to figure out how to use it! Getting a ca...
by zaplunken
Sun Nov 25, 2018 8:45 pm
Forum: Personal Consumer Issues
Topic: Google Voice, do unused numbers get deleted?
Replies: 21
Views: 2139

Re: Google Voice, do unused numbers get deleted?

GV could be like throw away email addresses you use for stuff that you don't want your real emails/phone # being out there. I read at the site you can connect many phones to your 1 GV number so they go to 1 place. I set it up for texts to use with SSA until they realized that was dumb. It was good t...
by zaplunken
Sun Nov 25, 2018 6:59 pm
Forum: Personal Consumer Issues
Topic: Google Voice, do unused numbers get deleted?
Replies: 21
Views: 2139

Google Voice, do unused numbers get deleted?

I set up GV phone number a few years ago when the SSA had the brilliant idea to use 2FA and required you to get a text. A ton of older people (75+) probably have no idea what that is or how to do it or don't have a phone that can receive a text (my case). So I got a GV phone number that can receive ...
by zaplunken
Thu Nov 15, 2018 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 2.20%]
Replies: 285
Views: 49715

Re: [Ally online savings now at 1.80%]

I now use Ally to as a holding place for excess money for expenses that are large but as the balance grows I move the excess to the PMM fund.
by zaplunken
Tue Nov 06, 2018 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 2.20%]
Replies: 285
Views: 49715

Re: [Ally online savings now at 1.80%]

Welp Ally giving an extra 1% through early 2019 so I can't imagine a better place to keep the money until Feb 15th. That promotion ended and it was only for new money. That was part of why I pulled the majority of the money I kept at Ally plus a bit better interest rate that is current vs lagging w...
by zaplunken
Tue Nov 06, 2018 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 2.20%]
Replies: 285
Views: 49715

Re: [Ally online savings now at 1.80%]

Welp Ally giving an extra 1% through early 2019 so I can't imagine a better place to keep the money until Feb 15th. That promotion ended and it was only for new money. That was part of why I pulled the majority of the money I kept at Ally plus a bit better interest rate that is current vs lagging w...
by zaplunken
Tue Nov 06, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 2.20%]
Replies: 285
Views: 49715

Re: [Ally online savings now at 1.80%]

Moved money out of Ally to the Prime Money Market.
by zaplunken
Fri Nov 02, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1005
Views: 143565

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

So Colorado is not considered a "cold weather" state? That will come as a shock to some of the ski areas here that have snow from late October through June.... Well, Colorado isn't included because states starting with "C" are specifically excluded. Note Connecticut, which gets slightly more snow t...
by zaplunken
Sat Oct 06, 2018 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 2.20%]
Replies: 285
Views: 49715

Re: [Ally online savings now at 1.80%]

The Prime Money Market yield is 2.15%, compound yield is 2.17%. I have a No Penalty CD at Ally whose yield is 1.98% and a High Yield CD at 2.25%. I'll lose interest on the HY CD so for now I'm leaving it alone despite a new one is 2.5% but the No Penalty can be cashed in without any loss of interes...
by zaplunken
Fri Oct 05, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 2.20%]
Replies: 285
Views: 49715

Re: [Ally online savings now at 1.80%]

The Prime Money Market yield is 2.15%, compound yield is 2.17%. I have a No Penalty CD at Ally whose yield is 1.98% and a High Yield CD at 2.25%. I'll lose interest on the HY CD so for now I'm leaving it alone despite a new one is 2.5% but the No Penalty can be cashed in without any loss of interest...
by zaplunken
Sun Sep 30, 2018 7:09 pm
Forum: Investing - Theory, News & General
Topic: Moneytalk with Bob Brinker coming to an end
Replies: 70
Views: 13315

Re: Moneytalk with Bob Brinker coming to an end

Thank you Lady Geek, that didn't occur to me. I listened to Bob for a long time but I can't recall when I started. It may have been the 1st show cuz I remember driving home from Long Island and a stupid (Super) bowl game was on and I'm pretty sure it was the Bears. I wanted to listen to something th...
by zaplunken
Sun Sep 30, 2018 6:25 pm
Forum: Investing - Theory, News & General
Topic: Moneytalk with Bob Brinker coming to an end
Replies: 70
Views: 13315

Re: Bob Brinker just signed off for the last time

Thanks I wasn't aware of that. Mods can you delete this thread?
by zaplunken
Sun Sep 30, 2018 6:00 pm
Forum: Investing - Theory, News & General
Topic: Moneytalk with Bob Brinker coming to an end
Replies: 70
Views: 13315

Bob Brinker just signed off for the last time

[Thread merged into here, see below. --admin LadyGeek]

I am not a MT and I don't follow what Brinker sells but I do like listening to his show. Apparently it has come to an end with no explanation. He said he will continue to write the MT newsletter.