Search found 991 matches

by zaplunken
Sat May 23, 2020 8:57 pm
Forum: Personal Investments
Topic: Does it make sense to exclude China from portfolio and/or EM
Replies: 18
Views: 1102

Re: Does it make sense to exclude China from portfolio and/or EM

I am personally sympathetic to ESG investing, though I'm not holding any ESG funds currently. I don't feel any strong reason either to exclude China or to overweight China. I don't think the amount in Vanguard Total International (about 10%, not sure where you went wrong on your math) is enough to ...
by zaplunken
Sat May 23, 2020 8:38 pm
Forum: Personal Investments
Topic: Does it make sense to exclude China from portfolio and/or EM
Replies: 18
Views: 1102

Re: Does it make sense to exclude China from portfolio and/or EM

Since China is a major player that has huge investments in emerging markets around the world, my belief is that it is effectively impossible to invest in emerging markets without substantial interaction with the Chinese economy. Others may disagree though! EDIT: If you're willing to tolerate "inter...
by zaplunken
Sat May 23, 2020 8:27 pm
Forum: Personal Investments
Topic: Does it make sense to exclude China from portfolio and/or EM
Replies: 18
Views: 1102

Re: Does it make sense to exclude China from portfolio and/or EM

Please, I realize domestic as well as foreign companies do business with China. I can't avoid China completely, I want to cut out my direct investment where I can and not being in the TISMI is a way to accomplish that. The question is does it make sense to not hold EM to avoid China? I realize there...
by zaplunken
Sat May 23, 2020 7:45 pm
Forum: Personal Investments
Topic: Does it make sense to exclude China from portfolio and/or EM
Replies: 18
Views: 1102

Does it make sense to exclude China from portfolio and/or EM

I used the Google search feature here and only found 2 threads started this year about this. I read both, I got some ideas, but there was a fair amount of drift into frontier markets, government ownership, currency risk, so I want to ask something more specific. I am almost 70. As of 5/15/2020 my AA...
by zaplunken
Sun May 17, 2020 4:16 pm
Forum: Personal Consumer Issues
Topic: Who needs a firewall and who doesn't?
Replies: 18
Views: 1306

Re: Who needs a firewall and who doesn't?

Kaspersky? Talk about the fox guarding the hen house! :oops: If you want to trust your AV to a Russian company all I can say is good luck.
by zaplunken
Wed May 06, 2020 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 656
Views: 86700

Re: Best CD rates thread

Kevin, I buy only direct CDs inside of my Vanguard Traditional IRA, no brokered CDs. I noticed Vanguards lack of competitive rates starting a little over a year ago....I’ve wondered why the change.... Summit How do you buy direct CDs inside your Vanguard IRA? Thanks Paul That was what I was wonderi...
by zaplunken
Fri May 01, 2020 7:39 am
Forum: Personal Consumer Issues
Topic: Ads in Yahoo email inbox that aren't email
Replies: 36
Views: 3418

Re: Ads in Yahoo email inbox that aren't email

Well I might just abandon the Yahoo! email if they defeat the 2 things I am using now. It's an original email from long long ago and I really don't use it for anything other than as a throw away email. The problem is sites that require your email as your userid but hopefully I can change the address...
by zaplunken
Thu Apr 30, 2020 6:59 pm
Forum: Personal Consumer Issues
Topic: Ads in Yahoo email inbox that aren't email
Replies: 36
Views: 3418

Re: Ads in Yahoo email inbox that aren't email

I don't see those messages about using an ad blocker or paying for Yahoo! email and I don't see any ads. The crap on the far right side was blocked by my prior ad blocker but the one I use now somehow they got past it. I searched online and found "Webmail Ad Blocker". I got it, it is free, and it im...
by zaplunken
Tue Mar 31, 2020 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 656
Views: 86700

Re: Best CD rates thread

I just heard an ad on the radio. Marcus has a 7 month No Penalty CD with a $500 min. There was a lot of fast talking excuses at the end but I heard the rate could change so if interested I'd apply fast cuz it sounded like the rate might change before you can fund it! :oops: :shock:
by zaplunken
Wed Mar 11, 2020 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 656
Views: 86700

Re: Best CD rates thread

I think Ally is slower to drop rates to attract money but I could be wrong.
by zaplunken
Fri Mar 06, 2020 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 656
Views: 86700

Re: Best CD rates thread

A lot of banks will be lowering their savings rates as well. The first indication I've seen of this is Wealthfront dropping the rate on their CMA from 1.78% to 1.27% earlier this week. Ally has a special 13 month "Select CD" offer going on this month. I was thinking about sharing it here a couple d...
by zaplunken
Sat Feb 08, 2020 8:48 pm
Forum: Personal Consumer Issues
Topic: Cybersecurity and passwords
Replies: 161
Views: 11326

Re: Cybersecurity and passwords

kevinf, That link is amazing, I'm adding it to my Passwords folder in Bookmarks! I never really understood what encryption, hashes and salting was and how it was used but that site explains it so clearly! Also, that link refers to passwords but wouldn't a company that uses these techniques for a pas...
by zaplunken
Mon Feb 03, 2020 8:33 pm
Forum: Personal Consumer Issues
Topic: Cybersecurity and passwords
Replies: 161
Views: 11326

Re: Cybersecurity and passwords

While we think "our" made up passwords that we can remember are clever remember when running offline attacks you are up against hundreds of millions or dozens of billions of attempts per second. Let that sink in. What seems impossible may be possible if you attack it a trillion times! Now I want to ...
by zaplunken
Mon Feb 03, 2020 8:25 pm
Forum: Personal Consumer Issues
Topic: Cybersecurity and passwords
Replies: 161
Views: 11326

Re: Cybersecurity and passwords

I've been following this thread with some interest. Long ago I started using passwords that were as complex as the site would accept. I started using a password generator to create them (I sometimes even use the same means to create user names). As the number of accounts proliferated over time (and...
by zaplunken
Mon Feb 03, 2020 8:46 am
Forum: Personal Consumer Issues
Topic: Cybersecurity and passwords
Replies: 161
Views: 11326

Re: Cybersecurity and passwords

I have a general question about passwords. To my understanding, password length is the most important factor but of course many sites require you to use a combination of lower and upper case, numbers and symbols. Why is that so? As a hacker doesn't know beforehand that you are only using letters, h...
by zaplunken
Sat Feb 01, 2020 9:58 pm
Forum: Personal Consumer Issues
Topic: Cybersecurity and passwords
Replies: 161
Views: 11326

Re: Cybersecurity and passwords

sycamore, I don't have wireless in the house. My cable comes into the house and connected to the modem with a cable then the ethernet cable connects to the desktop pc. Are you saying this method is exposing me to problems?
by zaplunken
Sat Feb 01, 2020 9:40 pm
Forum: Personal Consumer Issues
Topic: Cybersecurity and passwords
Replies: 161
Views: 11326

Re: Cybersecurity and passwords

Now I create my own for all 3 of those despite my password manager having the ability to generate them for me. My question to the quote above is what is wrong with this example of my devised passwords or userids or security question answers? This looks like what my password manager would generate f...
by zaplunken
Sat Feb 01, 2020 4:35 pm
Forum: Personal Consumer Issues
Topic: Cybersecurity and passwords
Replies: 161
Views: 11326

Re: Cybersecurity and passwords

If you're picking your own passwords, you're almost certainly bringing a knife to a gun fight. I love reading these threads. It is amazing how so many people think they can generate safe passwords, userids and security question answers and don't believe that they need a password manager. Now I crea...
by zaplunken
Fri Jan 31, 2020 9:22 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 26579

Re: Sad news: LadyGeek's husband has passed

Lady Geek condolences on your loss.
by zaplunken
Sat Jan 25, 2020 3:54 pm
Forum: US Chapters
Topic: Happy Birthday Taylor! 96 years young!
Replies: 139
Views: 4025

Re: Happy Birthday, Taylor!

Happy Birthday Taylor. :sharebeer
by zaplunken
Sun Jan 05, 2020 8:24 pm
Forum: Investing - Theory, News & General
Topic: AA Question: How to represent cash in allocation
Replies: 14
Views: 1078

Re: AA Question: How to represent cash in allocation

I would not separate the cash out separately unless you intend to rebalance between cash, bonds and stocks. IMO, the only reason to include something in your AA is if you plan to maintain a given allocation to it by rebalancing. For that reason I don’t include cash in my AA - I just let its allocat...
by zaplunken
Wed Dec 25, 2019 10:06 pm
Forum: Investing - Theory, News & General
Topic: Question about SECURE and no more stretch IRAs
Replies: 50
Views: 3769

Re: Question about SECURE and no more stretch IRAs

Yes, you are. She will get the full stretch, same as before. But if you are listing any other beneficiaries on this account as well, be totally sure she knows to create a separate inherited IRA by the 12/31 (following year) deadline. Thanks, I thought 12 years of planning was going down the drain w...
by zaplunken
Wed Dec 25, 2019 9:44 pm
Forum: Investing - Theory, News & General
Topic: Question about SECURE and no more stretch IRAs
Replies: 50
Views: 3769

Re: Question about SECURE and no more stretch IRAs

If I am reading this correctly this is very good news if your stretch IRA is designed for a sibling! https://www.kitces.com/blog/secure-act-2019-stretch-ira-rmd-effective-date-mep-auto-enrollment/ ELIGIBLE DESIGNATED BENEFICIARIES NOT SUBJECT TO THE NEW 10-YEAR RULE Notably, while the new general ru...
by zaplunken
Sun Aug 25, 2019 7:10 pm
Forum: US Chapters
Topic: To Avatar or Not - Get One? How did you choose?
Replies: 147
Views: 15316

Re: To Avatar or Not - Get One? How did you choose?

I stumbled upon my avatar when looking through gallery of avatars at another site. I was stuck by the brilliant colors, how the blue lips looked like they are vinyl coated and the green drink is a nice contrast. Plus is is pretty easy to spot!
by zaplunken
Tue Jul 30, 2019 1:48 pm
Forum: Personal Investments
Topic: How do I convert part of my Rollover IRA to my Roth?
Replies: 16
Views: 1214

Re: How do I convert part of my Rollover IRA to my Roth?

Curious can't you pay the taxes any time as long as they are not late? Example convert on 10/1 pay taxes on 11/1 or 12/15 just as long as before the January date. No, you can't. If you convert in Q4 the taxes on that conversion are still due in the first 3 quarters. I am really confused by these 3 ...
by zaplunken
Tue Jul 30, 2019 7:57 am
Forum: Personal Investments
Topic: How do I convert part of my Rollover IRA to my Roth?
Replies: 16
Views: 1214

Re: How do I convert part of my Rollover IRA to my Roth?

Curious can't you pay the taxes any time as long as they are not late? Example convert on 10/1 pay taxes on 11/1 or 12/15 just as long as before the January date.
by zaplunken
Sun Jul 28, 2019 4:09 pm
Forum: Personal Investments
Topic: How do I convert part of my Rollover IRA to my Roth?
Replies: 16
Views: 1214

Re: How do I convert part of my Rollover IRA to my Roth?

So this sounds much simpler than I feared. Apparently when I go to exchange from the rollover IRA into the Roth IRA there is some way to indicate that is what I want to do (ie a Roth conversion) and I can also indicate at that time to not withhold taxes (so the entire amount is moved to the Roth IRA...
by zaplunken
Sun Jul 28, 2019 3:35 pm
Forum: Personal Investments
Topic: How do I convert part of my Rollover IRA to my Roth?
Replies: 16
Views: 1214

Re: How do I convert part of my Rollover IRA to my Roth?

Yes all the money in the rollover IRA is pre-tax money. I have been retired for 12 years so no way to withhold taxes from a paycheck. How do I pay estimated taxes?
by zaplunken
Sun Jul 28, 2019 3:31 pm
Forum: Personal Investments
Topic: How do I convert part of my Rollover IRA to my Roth?
Replies: 16
Views: 1214

Re: How do I convert part of my Rollover IRA to my Roth?

Can you roll your Rollover IRA back into a 401k? If not, posters will want to know how much is in the rollover, since you will be taxed on a ratio, I.e., not only the $1000 matters. No I can't move money back into the 401k, that was rolled over to Vanguard 12 years ago. I thought you were taxed on ...
by zaplunken
Sun Jul 28, 2019 3:17 pm
Forum: Personal Investments
Topic: How do I convert part of my Rollover IRA to my Roth?
Replies: 16
Views: 1214

How do I convert part of my Rollover IRA to my Roth?

I am totally lost. I do NOT understand taxes and have never done a conversion before. Looking at the Wiki has made me even more confused and I can't find how this is done. Let's start simple, very basic. I have a Trust (taxable) account, a rollover IRA (from my 401k) and a Roth IRA and all are Vangu...
by zaplunken
Sun Jul 21, 2019 8:02 pm
Forum: Personal Consumer Issues
Topic: Wood burning stoves
Replies: 30
Views: 2449

Re: Wood burning stoves

I have heated with wood since 1991 in a 1500 sq ft both houses same stove. My VC is warped and not air tight but still gets the job done. This was recommended by the guy that has cleaned my chimney for years, he has one and says they are good. Last time I looked at this bookmark it was $699, this is...
by zaplunken
Sat Jul 20, 2019 6:21 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1169
Views: 185883

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

Looking at a 4 cylinder 2005 or 2006, forget the year, CRV. I assume those engines don't have the problem being discussed in this thread based upon the year of manufacture? 2017 and newer turbos. Thank you. I have followed this thread starting a few days after it was created but there's been so muc...
by zaplunken
Sat Jul 20, 2019 3:25 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1169
Views: 185883

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

Looking at a 4 cylinder 2005 or 2006, forget the year, CRV. I assume those engines don't have the problem being discussed in this thread based upon the year of manufacture?
by zaplunken
Tue Jul 09, 2019 7:52 am
Forum: Personal Investments
Topic: Is Total International Stock Market Index in taxable account as tax efficient as the Total Stock Market Index?
Replies: 13
Views: 2363

Re: Is Total International Stock Market Index in taxable account as tax efficient as the Total Stock Market Index?

Looking at my statement closely, I think I see why this was confusing. I am comparing apples to oranges. The navs are vastly different for these 2 funds, the dividend amount is different, it's just not comparable. The reinvestment price for the TSMI is $71.58 whereas the TISMI reinvestment price is ...
by zaplunken
Mon Jul 08, 2019 4:15 pm
Forum: Personal Investments
Topic: Is Total International Stock Market Index in taxable account as tax efficient as the Total Stock Market Index?
Replies: 13
Views: 2363

Re: Is Total International Stock Market Index in taxable account as tax efficient as the Total Stock Market Index?

The dividends for Total Stock Market (TSM) are about 100% qualified and the dividends for Total International Stock Market (TISM) are about 70% qualified. This makes TSM better in taxable at first glance. But, when you add in the Foreign tax credit that evens things out. One year TSM may do a littl...
by zaplunken
Mon Jul 08, 2019 4:09 pm
Forum: Personal Investments
Topic: Is Total International Stock Market Index in taxable account as tax efficient as the Total Stock Market Index?
Replies: 13
Views: 2363

Re: Is Total International Stock Market Index in taxable account as tax efficient as the Total Stock Market Index?

The dividends for Total Stock Market (TSM) are about 100% qualified and the dividends for Total International Stock Market (TISM) are about 70% qualified. This makes TSM better in taxable at first glance. But, when you add in the Foreign tax credit that evens things out. One year TSM may do a littl...
by zaplunken
Mon Jul 08, 2019 3:34 pm
Forum: Personal Investments
Topic: Is Total International Stock Market Index in taxable account as tax efficient as the Total Stock Market Index?
Replies: 13
Views: 2363

Is Total International Stock Market Index in taxable account as tax efficient as the Total Stock Market Index?

I read that the Total International Stock Market Index (TISMI) gets better tax treatment in a taxable account than the Total Stock Market Index (TSMI), I am aware that both are very tax efficient, because the TISMI gets a foreign tax credit IIRC. Looking at my June statements from Vanguard, I am sur...
by zaplunken
Thu Jun 06, 2019 8:06 pm
Forum: Investing - Theory, News & General
Topic: Safety of investing in CDs with online bank?
Replies: 9
Views: 1331

Re: Safety of investing in CDs with online bank?

I funded a 15 month CD at Ally Bank yesterday that I purchased May 28, you have 10 days to fund it. Rate is 2.8% FDIC insured. You won't find these on their website you need to call and ask about it, they are called Select CDs. The offer expired 5/31 but they told me it may be renewed for June, on 5...
by zaplunken
Thu May 30, 2019 8:08 am
Forum: Personal Investments
Topic: Ally CD vs Vanguard Ultra Short Term Bond Fund both in taxable account
Replies: 13
Views: 1556

Re: Ally CD vs Vanguard Ultra Short Term Bond Fund both in taxable account

Oops! I just called Ally and the 15 month CD is available to 5/31 at 2.8%. I can't get the 5 bp bonus cuz I didn't roll it over because I opened a new CD but that is not a problem since 2.8% is better then 2.6% plus a 5 bp bonus. They told me that the 15 month CD may be renewed by Ally on 6/1 or may...
by zaplunken
Thu May 30, 2019 7:45 am
Forum: Personal Investments
Topic: Ally CD vs Vanguard Ultra Short Term Bond Fund both in taxable account
Replies: 13
Views: 1556

Re: Ally CD vs Vanguard Ultra Short Term Bond Fund both in taxable account

Thanks all. I realize the difference in interest between the CD or USTBF is pretty minor on $25k, it was the cap gains if rates drop and the nav increases that made me question the USTBF vs the CD re extra taxes. I will check out Ally on the 15 month CD. If I can get that today before my CD matures ...
by zaplunken
Wed May 29, 2019 8:39 pm
Forum: Personal Investments
Topic: Ally CD vs Vanguard Ultra Short Term Bond Fund both in taxable account
Replies: 13
Views: 1556

Ally CD vs Vanguard Ultra Short Term Bond Fund both in taxable account

I have an Ally High Yield CD that's about to mature in 7 or 8 days in a taxable account. I intended to let it roll over with Ally at 2.7% plus get an extra 5 bp for rolling it over there but tonight I see the yield has dropped to 2.6% so that would be 2.65% if I roll it over. The Vanguard Ultra Shor...
by zaplunken
Tue Apr 09, 2019 7:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market yield over 2.5%
Replies: 232
Views: 53641

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: 205
Views: 14131

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: 2960

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: 2960

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: 232
Views: 53641

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: 1169
Views: 185883

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: 17798

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...