Search found 281 matches

by catalina355
Fri Mar 08, 2019 2:30 pm
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 8929

Re: attacked by off-leash dog

Doom&Gloom wrote: Fri Mar 08, 2019 2:28 pm I never would have guessed that this thread would survive long enough to become this bad.
If you had been attacked by a dog you might feel differently.
by catalina355
Fri Mar 08, 2019 2:29 pm
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 8929

Re: attacked by off-leash dog

Dog lover, shelter volunteer, amateur dog trainer & behaviorist here. I go to an off leash dog park daily. Both my current dog & myself have experienced dog bites. My 20 pound puppy was mangled by an 80 pound dog, who came in like an arrow from a block away- at a dog park. This seems so weird to me...
by catalina355
Fri Mar 08, 2019 2:20 pm
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 8929

Re: attacked by off-leash dog

Bear spray used on a human is illegal everywhere I know of. That stuff is designed to stop a grizzly and is far more concentrated than the stuff designed for use on humans and dogs. If unleashed dogs were a real problem that the majority of citizens really cared about then it would be enforced more...
by catalina355
Fri Mar 08, 2019 2:15 pm
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 8929

Re: attacked by off-leash dog

If dogs are easy to read please explain this. I was walking to the front door of a store and an unleashed pit bull some distance away raced away from his owner and attacked me. If a pit bull is running towards me from some distance away, I would think, "I'm about to be attacked." Seems like an easy...
by catalina355
Fri Mar 08, 2019 2:13 pm
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 8929

Re: attacked by off-leash dog

I'm blown away that more than one individual here believes that, when an unleashed dog is running toward you in a park, it's an appropriate first response to take out a gun out. I'm blown away that irresponsible dog owners feel it is perfectly OK to let their dogs run wild, terrorizing any nearby d...
by catalina355
Fri Mar 08, 2019 2:09 pm
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 8929

Re: attacked by off-leash dog

Chow Chows are a very aggressive breed. They are not large in numbers, but are perhaps the highest in fatal attacks per capita. And here is the reason we paint with a broad brush. How are folks supposed to know/ expect to know what type of dog is more dangerous then another. This is why rules on le...
by catalina355
Fri Mar 08, 2019 10:59 am
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 8929

Re: attacked by off-leash dog

We have a never ending problem with off leash dogs at our neighborhood park. The topic is discussed ad nauseum on our on line forum and it never gets any better. It is neighbor against neighbor and the dog folks simply believe that the leash law doesn't apply to them. And their classic answer is al...
by catalina355
Fri Mar 08, 2019 1:42 am
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 200
Views: 17968

Re: Are Password Managers Really Necessary?

t's also better to not re-use the same password across all sites, since if someone gains access to one account, they could in theory gain access to all the other ones. Isn't that exactly what a password manager does though ? First of all a password manager does not have a password. It has an encryp...
by catalina355
Fri Mar 08, 2019 1:27 am
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 8929

Re: attacked by off-leash dog

satoriboat wrote: Fri Mar 08, 2019 1:26 am @HomerJ:. They say they are friendly. That does not mean I feel comfortable with an out of control dog sticking his muzzle in my crotch. EVERY dog owner thinks his dog is friendly. Just like everyone things the are great drivers and investors. They usually aren't. .
Exactly so.
by catalina355
Fri Mar 08, 2019 1:07 am
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 8929

Re: attacked by off-leash dog

We have a never ending problem with off leash dogs at our neighborhood park. The topic is discussed ad nauseum on our on line forum and it never gets any better. It is neighbor against neighbor and the dog folks simply believe that the leash law doesn't apply to them. And their classic answer is al...
by catalina355
Fri Mar 08, 2019 12:59 am
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 8929

Re: attacked by off-leash dog

Out of curiosity, do trained dogs under verbal leads qualify? What about dogs with training collars? My dog remains by my side on command. I have walked by law enforcement without a physical lead, and the animal was clearly under verbal control. What is your opinion on this? I would not go to a par...
by catalina355
Thu Feb 28, 2019 1:34 am
Forum: Personal Finance (Not Investing)
Topic: Roth conversion 5year clock.
Replies: 19
Views: 1542

Re: Roth conversion 5year clock.

Catalina355 wrote: Does this mean that if you do a Roth conversion after you turn 59.5 then the 5 year holding rule does not apply? I've read various articles on this subject and many are contradictory. If I am understanding the table correctly - and I hope so because I've used it as a guide myself...
by catalina355
Wed Feb 27, 2019 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion 5year clock.
Replies: 19
Views: 1542

Re: Roth conversion 5year clock.

I am 62 and have had a Roth IRA since 2012. I want to start converting my Traditional IRA to Roth this year. The Fidelity website says COVERTED funds are not available without penalty until a 5 year clock is satisfied. Is this true in my situation? I thought having a Roth IRA FOR 5+years and being ...
by catalina355
Mon Feb 25, 2019 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Call from SSA office
Replies: 22
Views: 2692

Re: Call from SSA office

It doesn't just sound like scam, it is a scam. I entertained myself a couple of times by talking to those clowns as they were reading threatening script off their screen in cartoonishly thick Indian accent (without, of course, giving them any real information). I'd imageing one has to be coupletely...
by catalina355
Mon Feb 25, 2019 10:55 pm
Forum: Investing - Theory, News & General
Topic: Questions for Mike Piper - Next "Bogleheads on Investing" guest
Replies: 22
Views: 2859

Re: Questions for Mike Piper - Next "Bogleheads on Investing" guest

Skiandswim wrote: Mon Feb 25, 2019 3:19 am Small topic: How does a US citizen qualify or get credit for U.S. Social Security benefits if they were covered under a foreign Social Security system for a portion of their working career?
I would be very interested to know the answer to this question.
by catalina355
Sun Feb 24, 2019 2:29 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1176
Views: 189595

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

I don't think they actually understand what this is going to do to their reputation with traditionally smart consumers that buy new Honda products. Maybe yes, maybe no. I read CR-V sales are through the roof. Most people do not check their oil and are clueless. I would be buying one toward the end ...
by catalina355
Mon Feb 18, 2019 12:18 am
Forum: Personal Investments
Topic: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?
Replies: 128
Views: 14531

Re: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?

I lived overseas for many years and my experience was that the business communities and governments in the UK, Germany, Sweden, Norway, Australia, New Zealand, Canada and many others were neither unreliable nor unethical. Without getting into politics I could posit that some of these business commu...
by catalina355
Sun Feb 17, 2019 10:42 pm
Forum: Personal Investments
Topic: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?
Replies: 128
Views: 14531

Re: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?

As an emigrant to the US, I remain totally in US securities. Wall street is not an angel, but foreign security markets are worse. I cannot quote facts and numbers but just my life experience in living overseas during the first 25 years of my life showed me how unreliable/unethical foreign business ...
by catalina355
Sat Feb 09, 2019 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Another Bay Area home advice thread
Replies: 44
Views: 3911

Re: Another Bay Area home advice thread

Watty, The second part of your post made me chuckle. If one is truly afraid of earthquake risk in CA then the prudent thing to do is to keep as high a mortgage as possible since CA is a non-recourse state. Let the lender take the earthquake risk and walk away from any equity in the property. The cr...
by catalina355
Fri Feb 08, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Another Bay Area home advice thread
Replies: 44
Views: 3911

Re: Another Bay Area home advice thread

And for any Bogleheads who still doubt that Bay Area tech salaries are as high as we claim, here is your proof. Two 20-somethings earning ~250k each. This is also why the condos start at $1M. A big question is how many 40-somethings will be making that kind of salary in 20 years. With two tech work...
by catalina355
Fri Feb 08, 2019 2:52 am
Forum: Personal Finance (Not Investing)
Topic: Another Bay Area home advice thread
Replies: 44
Views: 3911

Re: Another Bay Area home advice thread

It's not if but when. The tech sector has had downturns in the past e.g. the year 2000 and pets.com. It will happen again. pets.com had no revenue. In 2019 tech companies are among the most wildly profitable businesses in history and sitting on giant cash hoards for a rainy day. They tolerated the ...
by catalina355
Fri Feb 08, 2019 1:58 am
Forum: Personal Consumer Issues
Topic: Question for gearheads on Honda Pilot/Passport reliability
Replies: 46
Views: 3547

Re: Question for gearheads on Honda Pilot/Passport reliability

For those gearheads our there on the site can someone help exlain why Consumer Reports is rating the 2019 Honda Pilot substantially lower than Toyota SUVs on reliability? We are evaluating a 2019 Honda Passport for my wife which as I undertand it is a shortened body, taller stance, different styled...
by catalina355
Fri Feb 08, 2019 1:55 am
Forum: Personal Consumer Issues
Topic: Question for gearheads on Honda Pilot/Passport reliability
Replies: 46
Views: 3547

Re: Question for gearheads on Honda Pilot/Passport reliability

They are both great brands but Toyota has always had a bit better reliability than Honda - and I say this as a diehard Honda fan. Toyota's entire focus is reliability, and they basically wrote the book on it and invented lean manufacturing (look up a book "The Toyota Way"). Honda works hard on qual...
by catalina355
Fri Feb 08, 2019 1:41 am
Forum: Personal Finance (Not Investing)
Topic: Another Bay Area home advice thread
Replies: 44
Views: 3911

Re: Another Bay Area home advice thread

And for any Bogleheads who still doubt that Bay Area tech salaries are as high as we claim, here is your proof. Two 20-somethings earning ~250k each. This is also why the condos start at $1M. A big question is how many 40-somethings will be making that kind of salary in 20 years. With two tech work...
by catalina355
Fri Feb 08, 2019 1:35 am
Forum: Personal Finance (Not Investing)
Topic: Another Bay Area home advice thread
Replies: 44
Views: 3911

Re: Another Bay Area home advice thread

And for any Bogleheads who still doubt that Bay Area tech salaries are as high as we claim, here is your proof. Two 20-somethings earning ~250k each. This is also why the condos start at $1M. A big question is how many 40-somethings will be making that kind of salary in 20 years. With two tech work...
by catalina355
Wed Feb 06, 2019 11:51 pm
Forum: Personal Consumer Issues
Topic: Question for gearheads on Honda Pilot/Passport reliability
Replies: 46
Views: 3547

Re: Question for gearheads on Honda Pilot/Passport reliability

For those gearheads our there on the site can someone help exlain why Consumer Reports is rating the 2019 Honda Pilot substantially lower than Toyota SUVs on reliability? We are evaluating a 2019 Honda Passport for my wife which as I undertand it is a shortened body, taller stance, different styled...
by catalina355
Wed Feb 06, 2019 9:17 pm
Forum: Personal Consumer Issues
Topic: Should I purchase MacBook Pro or MacBook Air?
Replies: 23
Views: 1922

Re: Should I purchase MacBook Pro or MacBook Air?

Thanks for the quick responses. Current machine is Dell (Windows 10; iCore 7); however Sketch only works on Mac. I'll up the SSD to 1TB. Budget is $1500/$1600, but looks like I may have to go above that. IMO this whole "buy 1TB of storage" argument is outmoded. You can store almost everything in th...
by catalina355
Sun Dec 23, 2018 9:11 pm
Forum: Investing - Theory, News & General
Topic: Worst investing year ever....
Replies: 103
Views: 18522

Re: Worst investing year ever....

... Ah, the underappreciated T-bill. I'm really surprised that it's so rarely discussed on this forum. It seems like stocks, Treasuries, TIPS, and CDs get all the attention, even though T-bills have historically tracked short-term inflation more closely than just about anything else out there. A mo...
by catalina355
Fri Dec 21, 2018 12:29 am
Forum: Investing - Theory, News & General
Topic: Worst investing year ever....
Replies: 103
Views: 18522

Re: Worst investing year ever....

https://i.postimg.cc/RVXYCZdq/Snap10.png free image host source: https://twitter.com/DriehausCapital Seeing whether an asset class is in the green (or black) or red alone does not convey much information. A 60/40 portfolio was up 1.91% YTD as of 11/30/2018. Even if we shaved 10% off of that, 2018 w...
by catalina355
Tue Dec 04, 2018 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 145
Views: 16568

Re: Retirement itch- when did you get it?

All, I'm 58 single, portfolio 1.5 million, net worth 2.1 million, thinking every day want to leave, state pension will have 65% final average salary, looking for an excuse, best to leave at 62 but it may not be a good idea, I keep changing my mind. I brought 89 acres upstate, but need to refill the...
by catalina355
Sat Nov 24, 2018 9:31 pm
Forum: Personal Consumer Issues
Topic: [USPS.com security weakness exposed account data]
Replies: 12
Views: 1363

Re: [USPS.com security weakness exposed account data]

LadyGeek wrote: Sat Nov 24, 2018 9:20 pm ^^^ I agree on both posts. We also don't know if the original researcher had contacted the appropriate people in the first place, nor if he tried to contact USPS more than once.
That's true as well LadyGeek.
by catalina355
Sat Nov 24, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: [USPS.com security weakness exposed account data]
Replies: 12
Views: 1363

Re: [USPS.com security weakness exposed account data]

I retitled the thread to clarify that the site was not hacked - no one intentionally broke into the site. It was an oversight that should have been fixed a long time ago. I would not characterize it as an oversight. Given that the researcher notified the USPS a year ago, I would characterize it as ...
by catalina355
Fri Nov 23, 2018 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sell my house?
Replies: 59
Views: 5158

Re: Should I sell my house?

How long have you lived in California? Why did you decide to accept a job in Boston? Do you plan to stay in Boston for the long term? I think there are other considerations to this decision apart from the purely financial ones.
by catalina355
Fri Nov 23, 2018 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sell my house?
Replies: 59
Views: 5158

Re: Should I sell my house?

Some factors. 1) From what has been posted it sounds like California has rental laws that greatly favor renter which makes it challenging to be a landlord there. There may also be local city laws on top of that. 2) If you keep it as a rental for more than a few years you will lose the federal homeo...
by catalina355
Sun Nov 18, 2018 6:54 pm
Forum: Investing - Theory, News & General
Topic: Why do people think CD rates will keep going up?
Replies: 57
Views: 8320

Re: Why do people think CD rates will keep going up?

Typical marketing material. 'Rule-of-thumb'. LOL. What's being promoted? Larry doesn't sell CDs. Do you have a problem with rules-of-thumb? I have a problem with anything that is not based on extensive data analysis or mathematical proofs. What approach would you suggest for deciding whether to ext...
by catalina355
Sun Nov 18, 2018 5:05 pm
Forum: Investing - Theory, News & General
Topic: Why do people think CD rates will keep going up?
Replies: 57
Views: 8320

Re: Why do people think CD rates will keep going up?

Larry discussed the issue in this thread years ago, as did many others. It's just a rule-of-thumb, not a hard-and-fast rule. Typical marketing material. 'Rule-of-thumb'. LOL. What's being promoted? Larry doesn't sell CDs. Do you have a problem with rules-of-thumb? I have a problem with anything tha...
by catalina355
Sun Nov 11, 2018 12:43 am
Forum: Investing - Theory, News & General
Topic: Vanguard closure last week
Replies: 21
Views: 5070

Re: Vanguard closure last week

chrisjul wrote: Sat Nov 10, 2018 3:48 pm No explanation. Vanguard customer service continues to slip!
What explanation are you looking for?
by catalina355
Fri Nov 09, 2018 11:19 am
Forum: Investing - Theory, News & General
Topic: Vanguard closure last week
Replies: 21
Views: 5070

Re: Vanguard closure last week

I thought that it was to perform a major update to the website. I did go there on Saturday and the initial page had been changed to something that looked radically different. I suspect that it didn't work and they backed the whole upgrade out. The page on Saturday was a static landing page. No reas...
by catalina355
Tue Nov 06, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 10429

Re: retirement travel: RVs vs fly/drive/hotel

We have traveled extensively been to all 50 states and 10 Canadian Provinces always staying in hotels. We retired in 2015 and spend 3-4 months on the road. We entertained the travel trailer idea and can not get over the following road blocks.... 1. Every trailer park we have driven past the trailer...
by catalina355
Tue Nov 06, 2018 1:12 am
Forum: Investing - Theory, News & General
Topic: How low can BND go?
Replies: 65
Views: 8502

Re: How low can BND go?

Bill Bernstein wrote: A similar way to look at it is with the Ibbotson series for the worst draw-down in long bonds, from 8/31/77 to 9/30/81, which yields the following results: Long Treasuries: -18% 5-Year Treasuries: +10% 30-day Bills: 49% Inflation: +52% 1+ Duration risk becomes a real problem i...
by catalina355
Sun Nov 04, 2018 1:20 pm
Forum: Investing - Theory, News & General
Topic: How low can BND go?
Replies: 65
Views: 8502

Re: How low can BND go?

The maximum drawdown of monthly total return for VBMFX, the investors shares class of the fund, since Jan 1987 was -5.86%. It occurred from Mar 1987 - Sep 1987, and recovered by Jan 1988, so "under water" for 11 months. Source: Portfolio Visualizer Backtest The drawdown as of Oct 31, 2018 is -2.56%...
by catalina355
Sun Nov 04, 2018 3:09 am
Forum: Investing - Theory, News & General
Topic: How low can BND go?
Replies: 65
Views: 8502

Re: How low can BND go?

" So, you should always hold bond funds with a duration equal to or shorter than the expected need for your money " I'm trying to understand how this works. This makes sense to me if interest rates go up shortly after the fund is purchased and then stays constant. But if interest rates continue to ...
by catalina355
Sat Nov 03, 2018 11:43 pm
Forum: Investing - Theory, News & General
Topic: How low can BND go?
Replies: 65
Views: 8502

Re: How low can BND go?

The maximum drawdown of monthly total return for VBMFX, the investors shares class of the fund, since Jan 1987 was -5.86%. It occurred from Mar 1987 - Sep 1987, and recovered by Jan 1988, so "under water" for 11 months. Source: Portfolio Visualizer Backtest The drawdown as of Oct 31, 2018 is -2.56%...
by catalina355
Thu Nov 01, 2018 7:23 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1176
Views: 189595

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

More information on proposed fix for oil dilution in U.S. vehicles. Noteworthy items are that Honda seems to have limited the problem to cold weather driving conditions and the fix is purposed to heat the engine up more quickly. It appears that Honda will not offer the fix or will delay the fix to ...
by catalina355
Thu Nov 01, 2018 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 4436

Re: Struggling with Medicare Plan G vs Plan N

If you take a look at the AARP UHC Plan G increases over the past years the rate of increase is about 3% so it seems to be the case that it depends on the insurer. In the video I wonder where he got the numbers for the chart? MtnBiker--good point. I will research and get back So Far: Rate increases...
by catalina355
Thu Nov 01, 2018 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 4436

Re: Struggling with Medicare Plan G vs Plan N

This year, after Medicare Assignment and Payment(80%) Plan N paid a grand total of 70$ for Dr visits.(2 of us). We are heathy and take no meds. What did you decide to do for a Drug Plan if you take no meds? I am in the same situation at the moment. We take the lowest premium==In our case 14,50/mo, ...
by catalina355
Thu Nov 01, 2018 12:40 am
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 92
Views: 12660

Re: Minimalist Lifestyle

I know someone that I just helped with a garage sale this past weekend who said she was selling everything and just rebuying something if she really needs it. Why rebuy if you already had it? Actually, I think that is a smart strategy. A lot of times, people do not recycle or discard things because...
by catalina355
Wed Oct 31, 2018 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming frugal
Replies: 81
Views: 12025

Re: Becoming frugal

Good evening from the UK ☺️ I thought i would try to start a small thread on frugality. Being able to save big lumps of your paycheck, to use as capital to invest is obviously very important I was wondering, what ways have you practised frugality in order to save nice amount of money? For me person...
by catalina355
Wed Oct 31, 2018 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 4436

Re: Struggling with Medicare Plan G vs Plan N

I am planning on signing up for Plan G for the same reasons you have described above. Coverage anywhere in the US is important to me hence MA plans are not an option. Also Excess Charges may become more common if payments to doctors are decreased further. Thanks, helpful input. If you take a look a...
by catalina355
Wed Oct 31, 2018 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 4436

Re: Struggling with Medicare Plan G vs Plan N

2beachcombers wrote: Wed Oct 31, 2018 4:56 pm This year, after Medicare Assignment and Payment(80%) Plan N paid a grand total of 70$ for Dr visits.(2 of us). We are heathy and take no meds.
What did you decide to do for a Drug Plan if you take no meds? I am in the same situation at the moment.