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Re: Looking for Muni income--PML???

I'd suggest taking a look at the Closed-End Funds Forum on Morningstar.

http://socialize.morningstar.com/NewSoc ... 00006.aspx

There is a lot of interest in both taxable and tax exempt bond funds.
by Electron
Sat Apr 19, 2014 8:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking for Muni income--PML???
Replies: 6
Views: 593

Re: Windows XP users

The irony is, I believe (and someone can correct me if wrong) that the final update had nothing to do with the operating system, but rather with applications....I think Microsoft Office. That's the backstory that so far Steve Gibson has been the only security professional to voice out loud. Namely,...
by Electron
Fri Apr 18, 2014 11:36 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP users
Replies: 205
Views: 13379

Re: Windows XP users

I connected my WinXP computer to the Internet yesterday and see that Microsoft is continuing to provide virus definition updates for Security Essentials. However, there seem to be multiple warnings about the end of support for both WinXP and Security Essentials. After the update I decided to do a Fu...
by Electron
Fri Apr 18, 2014 1:00 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP users
Replies: 205
Views: 13379

Re: Windows XP users

I also misunderstood the timing. I thought that today (8 April) was the last day of Microsoft's support for Win XP. Instead, it's the first day of no support. Earlier we heard that Security Essentials will continue to get updates for perhaps a year. We should be able to confirm the start of that so...
by Electron
Tue Apr 08, 2014 1:58 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP users
Replies: 205
Views: 13379

Re: Windows XP users

VictoriaF wrote:Mine is orange, too. As if it has prematurely turned into a pumpkin.

The green and recently orange icon displayed by Microsoft Security Essentials is now red!

It also displays the letter X.
by Electron
Tue Apr 08, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP users
Replies: 205
Views: 13379

Re: Windows XP to Linux Question with existing HW

Try LXLE which is a customized version of Lubuntu. The default desktop closely resembles Windows XP. LXLE has been successfully running on old EMachines of mine from the 2001-2003 time period. I tried multiple lightweight distros before settling permanently on LXLE. I just ran LXLE live from a flas...
by Electron
Sat Apr 05, 2014 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP to Linux Question with existing HW
Replies: 61
Views: 2354

Re: Windows XP users

Security Essentials will turn orange if you have not run a definition update or a scan recently. I have mine set to scan daily and update definitions before the scan. It's still green on a WinXP virtual machine with those two settings. I just updated Security Essentials and the Icon remains orange....
by Electron
Fri Apr 04, 2014 11:35 am
 
Forum: Personal Consumer Issues
Topic: Windows XP users
Replies: 205
Views: 13379

Re: Windows XP users

Existing installs of Microsoft Security Essentials will be supported till mid-2015, but new installs will not be supported after April 8. If you don't have Microsoft Security Eessentials on XP machine, you might want to install while you can. My WinXP system is now off the Internet most of the time...
by Electron
Thu Apr 03, 2014 1:21 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP users
Replies: 205
Views: 13379

Re: Problem With New VCR Tapes

Rigging a DVR is cheap - at least a couple of the converter boxes (iView-3500STB, homeworx HW-150PVR) support scheduled recording of OTA DTV to an external harddrive connected to their USB port. Figure $35 for the converter, $60 for a 1TB external drive (== 100+ hours of HDTV), & you're golden....
by Electron
Wed Apr 02, 2014 3:04 pm
 
Forum: Personal Consumer Issues
Topic: Problem With New VCR Tapes
Replies: 22
Views: 1735

Re: Problem With New VCR Tapes

Thanks all for the help. Appreciate the suggestions on the use of DVD, DVR using a PC, and DVRs from Magnavox. I had looked into DVRs from Magnavox some time back and thought they were generally out of production. A Google search indicates that oxide coatings continue to come off video tape with eac...
by Electron
Mon Mar 31, 2014 5:11 pm
 
Forum: Personal Consumer Issues
Topic: Problem With New VCR Tapes
Replies: 22
Views: 1735

Re: Problem With New VCR Tapes

Are these tapes available on DVD? I should have mentioned that I am using the tapes for recording analog TV programs. A converter box creates the analog signal from the digital TV broadcast. I looked for a date on the tapes or boxes and did not see anything. It could be that they were manufactured ...
by Electron
Mon Mar 31, 2014 1:40 pm
 
Forum: Personal Consumer Issues
Topic: Problem With New VCR Tapes
Replies: 22
Views: 1735

Problem With New VCR Tapes

I recently purchased four new VCR tapes. Surprisingly, they are still available from places such as Amazon. The tapes work with good quality images and sound but have required cleaning of the heads twice. Any theories on what might be happening? Yesterday I cleaned the heads for the second time and ...
by Electron
Mon Mar 31, 2014 1:03 pm
 
Forum: Personal Consumer Issues
Topic: Problem With New VCR Tapes
Replies: 22
Views: 1735

Re: Large capital gain this year

The concept of buying the suggested portfolio of stocks and selling the losers later in the year is actually quite attractive from a tax loss harvesting point of view. The tax benefit in this case is significant with the high 23.8% marginal capital gains tax rate that will apply in 2014. Hopefully a...
by Electron
Fri Mar 14, 2014 12:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Large capital gain this year
Replies: 68
Views: 2993

Re: Large capital gain this year

Then wait until almost the end of the year. Of the 50 stocks, some will be up, some will be down. Then sell the losers and harvest the capital losses, then keep the gainers. This is a one-time game, not to be repeated. I hope never to sell the winners, certainly not the next year as some read into ...
by Electron
Thu Mar 13, 2014 1:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Large capital gain this year
Replies: 68
Views: 2993

Re: Large capital gain this year

Paying the taxes on the full $1M capital gain might be the best choice despite the higher capital gain tax rate that applies in this case. Even if you can generate $200K in capital losses would it make much difference? Note that you may have to contend with additional gains in subsequent tax years. ...
by Electron
Wed Mar 12, 2014 2:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Large capital gain this year
Replies: 68
Views: 2993

Re: Large capital gain this year

An alternative to buying a reasonably large number of domestic stocks would be to invest in all nine S&P 500 Select Sector SPDR ETFs. The nine ETFs collectively hold all the stocks in the S&P 500 index. Each ETF is itself an index fund and represents an industry group. http://www.sectorspdr....
by Electron
Tue Mar 11, 2014 11:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Large capital gain this year
Replies: 68
Views: 2993

Re: PBS Program on Roth IRA - Ed Slott

I did the math, which shows that the only factor that makes a difference in terms of a Roth or a Traditional IRA is the difference in tax rate when investing and withdrawing your money. Is there something I'm missing? Because this math seems correct to me. I agree with you for the case where taxes ...
by Electron
Tue Mar 11, 2014 6:35 pm
 
Forum: Investing - Theory, News & General
Topic: PBS Program on Roth IRA - Ed Slott
Replies: 11
Views: 2243

Re: Any reason NOT to convert to Admiral Funds?

However, I only see my account number on my money market checks. It may very well be that checks against a bond fund may still work after the conversion. I just looked at a Vanguard check from quite a few years ago and it also showed the fund number. In this case, it showed the number 45 for the Ta...
by Electron
Mon Mar 03, 2014 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any reason NOT to convert to Admiral Funds?
Replies: 16
Views: 1820

Re: PBS Program on Roth IRA - Ed Slott

One important point about taxes is that once you pay the tax on the amount converted there is no tax on the gains which will increase geometrically. E.g., 20k Roth conversion at 65 invested at 7% will grow to 80k after 14 years for which no taxes would be due. Thanks also for many excellent points ...
by Electron
Sun Mar 02, 2014 6:39 pm
 
Forum: Investing - Theory, News & General
Topic: PBS Program on Roth IRA - Ed Slott
Replies: 11
Views: 2243

Re: PBS Program on Roth IRA - Ed Slott

I've been on some continuing education panels with Ed, and I'm one of the writers and technical advisors for his newsletter, so I'll try to answer this. Thanks very much for the many detailed points which are a great help. It looks like a Roth Conversion should be at least modestly beneficial for m...
by Electron
Sun Mar 02, 2014 6:15 pm
 
Forum: Investing - Theory, News & General
Topic: PBS Program on Roth IRA - Ed Slott
Replies: 11
Views: 2243

PBS Program on Roth IRA - Ed Slott

If others have seen the Retirement Rescue presentation on PBS by Ed Slott, did you feel that the advantages of a Traditional IRA to Roth IRA Conversion were overstated to some degree? Many people would not have the extra assets required to pay the conversion taxes, so a $100K T-IRA is replaced with ...
by Electron
Sun Mar 02, 2014 4:24 pm
 
Forum: Investing - Theory, News & General
Topic: PBS Program on Roth IRA - Ed Slott
Replies: 11
Views: 2243

Re: Any reason NOT to convert to Admiral Funds?

If one had plans to transfer or rebalance some assets into another fund, then it might make sense to stay with Investor shares. You can wind up with an Admiral Conversion and then a forced conversion back to Investor shares later. Some individuals might not like the extra transactions and statements.
by Electron
Fri Feb 28, 2014 4:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any reason NOT to convert to Admiral Funds?
Replies: 16
Views: 1820

Re: Marginal tax rate: statutory 15%, effective 30%

The IRS tax tables can mask the marginal tax rate for the general case when small dollar changes are involved. I'd just look at the change in tax for a $100 increment in income. Alternately, one can use the Tax Rate Schedules available in Publication 17 on page 263 or Form 1040-ES. Those schedules c...
by Electron
Tue Feb 18, 2014 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marginal tax rate: statutory 15%, effective 30%
Replies: 100
Views: 6856

Re: Marginal tax rate: statutory 15%, effective 30%

Kevin's point that the marginal tax rate for many taxpayers is the same as their tax bracket rate is easily illustrated by examining the Tax Tables in the Form 1040 Tax Booklet. It is also an interesting exercise to examine those tables. The Tax Table starts out in the 10% bracket and continues into...
by Electron
Mon Feb 17, 2014 2:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marginal tax rate: statutory 15%, effective 30%
Replies: 100
Views: 6856

Re: Marginal tax rate: statutory 15%, effective 30%

My guess is that this is the case for a large percentage of taxpayers--those whose only income is earned income, and maybe with a little interest. I do taxes or help do taxes for people for whom this is the case. I think you are correct. A typical working individual has earned income, some interest...
by Electron
Mon Feb 17, 2014 2:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Marginal tax rate: statutory 15%, effective 30%
Replies: 100
Views: 6856

Re: IRA Exit Strategy

So Romney eg could convert his 50 million in one fell swoop. It would cost 39.6% federal plus the itemized deduction and exemptions phase out to the max plus state and then he's done and it is all in a ROTH. No Obamacare surtaxes. Anybody thinking this way? Isn't the effective tax rate even higher ...
by Electron
Mon Feb 17, 2014 12:30 am
 
Forum: Personal Finance (Not Investing)
Topic: IRA Exit Strategy
Replies: 21
Views: 1820

Re: IRA Exit Strategy

This article suggests you withdraw from your IRA accounts, pay taxes on the withdrawals, and put the money in Roth now if you're between 62 and 70 and have big IRA accounts. The article makes many excellent points. I might add two things. Any large decline in the equity markets can make the strateg...
by Electron
Sun Feb 16, 2014 6:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRA Exit Strategy
Replies: 21
Views: 1820

Re: Splitting Total Bond Fund into its Component Parts

Please let me know what you think of these strategies. It is certainly more complicated than the standard “Total Bond in retirement account, Munis in taxable” approach, but it may be worth it for some. I might add some income data to the table you provided. Even though you are matching the duration...
by Electron
Sun Feb 16, 2014 5:59 pm
 
Forum: Investing - Theory, News & General
Topic: Splitting Total Bond Fund into its Component Parts
Replies: 5
Views: 496

Re: Are stock returns compound returns?

Are stock returns compound? Stock and Mutual Fund returns in theory can be defined in any way that a provider chooses. However, in reality, Mutual Fund firms and companies such as Morningstar typically provide average annual returns for any period greater than one year. Average annual returns do im...
by Electron
Sun Feb 16, 2014 2:16 pm
 
Forum: Investing - Theory, News & General
Topic: Are stock returns compound returns?
Replies: 13
Views: 1396

Re: Marginal tax rate: statutory 15%, effective 30%

But it could be the marginal tax rate on one's taxable income if taxable income consists only of "ordinary income", and one has no credits or other taxes (below 2013 Form 1040 line 44). Correct? I think the marginal tax rate would be higher than the tax bracket rate if any income based li...
by Electron
Sat Feb 15, 2014 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marginal tax rate: statutory 15%, effective 30%
Replies: 100
Views: 6856

Re: Marginal tax rate: statutory 15%, effective 30%

I've found the picture to be much more intuitive than words. One interesting thing about the 0% bracket for Capital Gains and Qualified Dividends is that someone could have an extremely high income and yet still be in the 0%, 10% or 15% bracket for Ordinary Income. They can also qualify for the 0% ...
by Electron
Fri Feb 14, 2014 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marginal tax rate: statutory 15%, effective 30%
Replies: 100
Views: 6856

Re: Favorite forum for active investing?

Here is a newsletter that has done well in the Hulbert rankings. http://www.streetsmartreport.com/sts http://www.streetsmartpost.com/ They provide a seasonal strategy for the favorable period from roughly mid October through late April of each year. Another strategy covers the May through October pe...
by Electron
Fri Feb 14, 2014 2:56 pm
 
Forum: Investing - Theory, News & General
Topic: Favorite forum for active investing?
Replies: 32
Views: 2854

Re: Marginal tax rate: statutory 15%, effective 30%

Along similar lines, the 10% bracket sees a marginal tax rate of 25% for additional ordinary income when the 0% bracket is in play. In these cases extra ordinary income is not always welcome. There are actually many cases where the marginal tax bracket is higher than many expect and it can be a litt...
by Electron
Fri Feb 14, 2014 12:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Marginal tax rate: statutory 15%, effective 30%
Replies: 100
Views: 6856

Re: Unusual PKZip Problem Running Under WinXP

Assuming that nothing else changed, that is a big clue. Something changed with respect to virus scanner. Another possibility is your virus scanner might not be liking one of the files that is being compressed or result of file compression. I remember reading somewhere that some compressed files had...
by Electron
Thu Feb 13, 2014 1:37 am
 
Forum: Personal Consumer Issues
Topic: Unusual PKZip Problem Running Under WinXP
Replies: 8
Views: 466

Re: Reconcile Foreign Tax forms for 1116

Here is a related question affecting those who might hold more than one International Fund. Does Foreign Source Income reported in Part I of Form 1116 include all Foreign Income from Mutual Funds and Foreign stocks regardless of whether each fund or security actually paid and reported Foreign Tax? T...
by Electron
Wed Feb 12, 2014 4:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reconcile Foreign Tax forms for 1116
Replies: 12
Views: 925

Re: Favorite market timing forum?

Take a look at EliteTrader.

http://www.elitetrader.com/vb/

Scroll all the way down as there are many individual forums.
by Electron
Wed Feb 12, 2014 12:20 am
 
Forum: Investing - Theory, News & General
Topic: Favorite forum for active investing?
Replies: 32
Views: 2854

Re: Unusual PKZip Problem Running Under WinXP

Thanks all for the suggestions. I have tried many things and I don't believe a modestly smaller zip file helped. The start /wait idea definitely looks worth exploring and I'll see how to implement that feature. Info-zip looks like another excellent idea as is the use of the PKZip list file. The batc...
by Electron
Mon Feb 10, 2014 8:14 pm
 
Forum: Personal Consumer Issues
Topic: Unusual PKZip Problem Running Under WinXP
Replies: 8
Views: 466

Unusual PKZip Problem Running Under WinXP

I came across a very unexpected problem running the old MSDOS version of PKZip under WinXP and wonder if anyone has any ideas. PKZip is version PKZ204g. This is mostly for curiosity as I realize that Zip files aren't really needed for backup these days and there are alternatives such as WinZip and m...
by Electron
Mon Feb 10, 2014 6:33 pm
 
Forum: Personal Consumer Issues
Topic: Unusual PKZip Problem Running Under WinXP
Replies: 8
Views: 466

Re: Deleting Cookies to Force Two Part Login

Here is an interesting update to my original post. I had been unable to force a two part login using Internet Explorer despite trying many things. It was easy to force the two part login using Firefox. Last night I disconnected my DSL modem and connected to the Internet using a 56K dial-up modem. Th...
by Electron
Sat Feb 08, 2014 5:29 pm
 
Forum: Personal Consumer Issues
Topic: Deleting Cookies to Force Two Part Login
Replies: 61
Views: 2655

Re: Tax Exempt or Taxable; Am I Foolish?

I understand that Total Bond sailed right through the 2008-2009 market, but do not know what happened to muni funds. The holdings in Corporate bonds and other lower credits did impact performance in 2008. That negative performance was offset by holdings in Aaa and Government credits. You might revi...
by Electron
Sat Feb 08, 2014 2:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Exempt or Taxable; Am I Foolish?
Replies: 16
Views: 1824

Re: Deleting Cookies to Force Two Part Login

And I've never thought about what's involved when a trader places a trade for you. I never would have thought they'd have access to our security questions. They do have a different interface than we use, so I figured our individual accounts and the portals they use for trading/accessing our account...
by Electron
Sat Feb 08, 2014 12:26 am
 
Forum: Personal Consumer Issues
Topic: Deleting Cookies to Force Two Part Login
Replies: 61
Views: 2655

Re: Tax Exempt or Taxable; Am I Foolish?

On the positive side, investment grade municipal bonds actually have a very low default rate. However, there can be a liquidity problem in the municpal bond market if there are a lot of sellers and a shortage of buyers. That can occur when tax exempt mutual funds see significant redemptions. The sam...
by Electron
Fri Feb 07, 2014 11:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Exempt or Taxable; Am I Foolish?
Replies: 16
Views: 1824

Re: Deleting Cookies to Force Two Part Login

This article discusses the issue from the standpoint of Web tracking. http://www.franziroesner.com/pdf/webtracking-NSDI2012.pdf Thanks for the document which has a lot of helpful information. The mention of HTML 5 led me to discover that Internet Explorer starting with Version 8 does provide local ...
by Electron
Fri Feb 07, 2014 6:53 pm
 
Forum: Personal Consumer Issues
Topic: Deleting Cookies to Force Two Part Login
Replies: 61
Views: 2655

Re: Deleting Cookies to Force Two Part Login

Thanks to all for the additional comments and help. I was aware that a two part login does expose a user to less security if the character strings can be accessed in some way. That can apply to typed characters as well as clicked characters using an on-screen keyboard which is available in several v...
by Electron
Thu Feb 06, 2014 3:48 pm
 
Forum: Personal Consumer Issues
Topic: Deleting Cookies to Force Two Part Login
Replies: 61
Views: 2655

Re: Deleting Cookies to Force Two Part Login

In Chrome, start an incognito window before logging into Vanguard, and you will achieve the effect you desire with fewer steps (just one extra click). In Firefox, you can click on File and then New Private Window. In Internet Explorer 8, InPrivate Browsing is available via the Tools menu. Internet ...
by Electron
Wed Feb 05, 2014 2:52 pm
 
Forum: Personal Consumer Issues
Topic: Deleting Cookies to Force Two Part Login
Replies: 61
Views: 2655

Re: Deleting Cookies to Force Two Part Login

I think it's the MAC address of the device you are using. My smartphone uses lots of different IP addresses as I move around... That could be it, although it doesn't explain why I can force a two part login with browsers other than IE8. I just checked my DSL modem via its local http address and it ...
by Electron
Tue Feb 04, 2014 8:21 pm
 
Forum: Personal Consumer Issues
Topic: Deleting Cookies to Force Two Part Login
Replies: 61
Views: 2655

Re: Deleting Cookies to Force Two Part Login

Great suggestions on the Modem and running Linux live via USB Flash. Earlier I was going to mention that Internet providers may supply rotating IP addresses and I have noticed that mine changes. I do have a few versions of Linux in USB Flash drives and using the Linux based browser does result in th...
by Electron
Tue Feb 04, 2014 6:33 pm
 
Forum: Personal Consumer Issues
Topic: Deleting Cookies to Force Two Part Login
Replies: 61
Views: 2655

Re: Deleting Cookies to Force Two Part Login

Do you have a bookmark for Vanguard? Did you uncheck the box 'Preserve Favorite Site Data' when you deleted cookies? Vanguard was not bookmarked and I did uncheck the box for Preserving Favorite Site Data. I just had the thought that the IE8 Flash Player is an ActiveX control so that may explain wh...
by Electron
Tue Feb 04, 2014 4:51 pm
 
Forum: Personal Consumer Issues
Topic: Deleting Cookies to Force Two Part Login
Replies: 61
Views: 2655

Re: Deleting Cookies to Force Two Part Login

Vanguard uses "Flash cookies" which are stored in a directory different than your regular cookies. They are in a sub-directory of Macromedia Adobe Flash and are used by many applications to store a type of cookie that will not be easily erased by simply clearing cookies in your browser. I...
by Electron
Tue Feb 04, 2014 3:44 pm
 
Forum: Personal Consumer Issues
Topic: Deleting Cookies to Force Two Part Login
Replies: 61
Views: 2655

Deleting Cookies to Force Two Part Login

Many bank and brokerage websites including Vanguard require a more complicated login if they don't recognize the user. I believe the recognition is accomplished using browser cookies. I have been able to force the two step login on several browsers by deleting cookies but not when using Internet Exp...
by Electron
Tue Feb 04, 2014 2:06 pm
 
Forum: Personal Consumer Issues
Topic: Deleting Cookies to Force Two Part Login
Replies: 61
Views: 2655
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