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Re: AAPL

I can't find any real news, other than alleged hacks to their iCloud, that is driving the stock down today? It is likely today's announcement from Samsung. http://fortune.com/2014/09/03/samsung-announces-new-products-ahead-of-rival-apple-event/ I've been watching the significant price increase in A...
by Electron
Wed Sep 03, 2014 2:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 166
Views: 36447

Re: Municipal bonds 1y returns - exuberance and caution

The same caution might apply to longer maturity bond funds of any type. Morningstar currently shows a year-to-date return of 9.34% for VCITX (California Long Term Tax Exempt) and 14.59% for VWESX (Vanguard Long Term Investment Grade). Central bank action in Europe may be a factor along with their sl...
by Electron
Thu Aug 28, 2014 4:39 pm
 
Forum: Investing - Theory, News & General
Topic: Municipal bonds 1y returns - exuberance and caution
Replies: 56
Views: 5542

Re: using the 15% tax bracket

One issue I didn't see mentioned is the foreign tax credit. I have been carrying this forward each year on form 1116 but I can't use it (the amount is well over the $300 limit) because I am paying no or little taxes up to this point because I have not been doing annual conversions, only cap gain ha...
by Electron
Mon Aug 25, 2014 10:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: using the 15% tax bracket
Replies: 42
Views: 4394

Re: using the 15% tax bracket

The Roth conversion should be thought of as being taken at a marginal tax rate and the do-nothing alternative of taking the RMD should also be considered at the marginal rate in order for a fair comparison, right? I agree that if you aren't making that decision but just taking the RMD w/o thinking ...
by Electron
Sun Aug 24, 2014 8:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: using the 15% tax bracket
Replies: 42
Views: 4394

Re: using the 15% tax bracket

This is a useful concept if you have little other income so the RMD is taxed at "effective" rates. However if you have significant other income (pensions/SS/interest/div/etc), that other income will swamp the lower brackets and the RMDs would then be taxed at much higher "effective&q...
by Electron
Sun Aug 24, 2014 3:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: using the 15% tax bracket
Replies: 42
Views: 4394

Re: using the 15% tax bracket

Are RMDs taxed in some different way than ordinary TIRA withdrawals (that is, as ordinary income) ? RMDs are taxed the same as any ordinary income. My point is that one's actual tax percentage is less than their marginal tax bracket as a result of deductions and exemptions and the progressive tax r...
by Electron
Sun Aug 24, 2014 2:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: using the 15% tax bracket
Replies: 42
Views: 4394

Re: using the 15% tax bracket

BUT, if I get preferential tax treatment on $10,000 of Roth conversion, I have effectively gotten that preferential treatment on the $10K conversion PLUS its gains once it's in the Roth. A key factor in Roth conversions is whether one's tax bracket is higher or lower in retirement. Note also that a...
by Electron
Sun Aug 24, 2014 12:13 am
 
Forum: Personal Finance (Not Investing)
Topic: using the 15% tax bracket
Replies: 42
Views: 4394

Re: using the 15% tax bracket

We already had two different increases in the capital gains tax rate quite recently. The 15% CG bracket increases to 20% for some taxpayers, and the 3.8% Medicare tax on investment income also applies to capital gains for some taxpayers. I'm assuming that the lower capital gains tax brackets are saf...
by Electron
Sat Aug 23, 2014 4:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: using the 15% tax bracket
Replies: 42
Views: 4394

Re: Servicing a Mechanical Watch

Thanks seeshells and chrysogonus for the information and leads. After doing a web search, I am amazed at the number of watch forums and watch related sites. I never really took the time to understand how a watch operates and it is quite fascinating. http://en.wikipedia.org/wiki/Mechanical_watch It a...
by Electron
Fri Aug 22, 2014 2:14 pm
 
Forum: Personal Consumer Issues
Topic: Servicing a Mechanical Watch
Replies: 8
Views: 676

Servicing a Mechanical Watch

I have a Seiko Diver Watch purchased in 1976 that has never been serviced. It has been in use only about 5% of the time. The watch still works but is somewhat difficult to keep wound which by design can only be done with the internal pendulum. The watch was used for scuba diving a few times at depth...
by Electron
Thu Aug 21, 2014 11:00 pm
 
Forum: Personal Consumer Issues
Topic: Servicing a Mechanical Watch
Replies: 8
Views: 676

Re: Long term bond tilting?

I would start by looking at the yield curve today. A quick look at Treasury yields does show higher yields as you go out to 30 years. As a result, a longer maturity bond portfolio should return more if held for an extended period of time. That return would come with higher volatility. The principal ...
by Electron
Tue Aug 19, 2014 1:17 pm
 
Forum: Investing - Theory, News & General
Topic: Long term bond tilting?
Replies: 14
Views: 1273

Re: Adding Backup Boot Disk - Windows 7 - Clone or Image?

Here is an update on my disk imaging activities. I successfully imaged on a new disk with Windows 7 Imaging Capability, Macrium Reflect, and Acronis Western Digital Edition. The Windows 7 system is using about 70 GB on a 1 TB disk and the compressed images are in the range of 45-50 GB. A second 1 TB...
by Electron
Mon Aug 11, 2014 12:25 am
 
Forum: Personal Consumer Issues
Topic: Adding Backup Boot Disk - Windows 7 - Clone or Image?
Replies: 15
Views: 1241

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

Even if the hashed password is cracked, the hacker could not log in without user name and security question answers if used at that site. Most of the financial sites seem to use either security questions or two part authentication if they don't recognize your computer. That might involve a cookie pr...
by Electron
Sat Aug 09, 2014 2:21 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7672

Re: Peak Money Market Fund Yields in 1981-82

The 16.5% CD that I mentioned looked like a good investment in 1982, but imagine if I had invested in the Vanguard Index 500 fund instead. It was available starting in 1976 with a lot of skeptics. The dividend yield on the S&P 500 index was in the area of 5% in 1982. If the fund shares had been ...
by Electron
Wed Aug 06, 2014 4:49 pm
 
Forum: Investing - Theory, News & General
Topic: Peak Money Market Fund Yields in 1981-82
Replies: 24
Views: 1699

Re: Peak Money Market Fund Yields in 1981-82

Thanks all for the replies. I just checked the daily 3 month T-Bill rates as shown below. http://research.stlouisfed.org/fred2/series/DTB3 The 3 month T-Bill in the secondary market hit 17.14% in late 1980 and it was 17.01% in May 1981. I also remember the very high mortgage rates and second and eve...
by Electron
Tue Aug 05, 2014 11:53 pm
 
Forum: Investing - Theory, News & General
Topic: Peak Money Market Fund Yields in 1981-82
Replies: 24
Views: 1699

Peak Money Market Fund Yields in 1981-82

I'm wondering if anyone remembers the highest yields seen in Money Market funds in 1981-82.

In looking through some old records I see that my first IRA investment in early 1982 was an 18 month CD paying 16.5%. That's hard to believe today. I think rates were even higher in 1981.
by Electron
Tue Aug 05, 2014 8:00 pm
 
Forum: Investing - Theory, News & General
Topic: Peak Money Market Fund Yields in 1981-82
Replies: 24
Views: 1699

Re: Social Security - Receive Any Letters Approaching Age 70

Thanks all for the help. I think the questions have mostly been answered and calling Social Security sounds like an excellent idea. On the Social Security statements, mine seemed to stop for a while and then resume. I currently have 2007, 2008, 2009, 2010, and 2012. Unless I misplaced any, it looks ...
by Electron
Sun Jul 27, 2014 5:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security - Receive Any Letters Approaching Age 70?
Replies: 22
Views: 2105

Social Security - Receive Any Letters Approaching Age 70?

A friend asked me a few questions that I could not answer. 1. Do any instructions or reminder letters arrive approaching Age 70? 2. What happens if you sign up for benefits a little late? 3. The second question brings up an interesting additional question. Do any individuals with sufficient assets c...
by Electron
Sun Jul 27, 2014 3:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security - Receive Any Letters Approaching Age 70?
Replies: 22
Views: 2105

Re: Vanguard Account Owners - has this happened to you?

About three weeks later, my wife asked me if I had transferred ~$100K in our Chase bank saving account to somewhere. I had no idea why $100k disappeared from our bank account. So I looked over my various accounts and found that the money that disappeared showed up in my Vanguard rollover IRA accoun...
by Electron
Thu Jul 24, 2014 12:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Account Owners - has this happened to you?
Replies: 17
Views: 2663

Re: Am I "Locked In" For Payments With This Bond Fund?

PIMCO Income Fund is somewhat unusual with the dividend not varying month to month for relatively long periods. I would try to understand exactly how this fund operates. Closed-end bond funds will often have a constant payout for periods of time but there is a reason. They may have undistributed net...
by Electron
Sun Jul 20, 2014 11:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I "Locked In" For Payments With This Bond Fund?
Replies: 11
Views: 1091

Re: Vanguard's Proportional RMD service

The proportional option is fairly new and when they set it up, they simply programmed it to be a special case of one of their previous options. This morning I read the detailed RMD Service Agreement and my Confirmation Statement that was dated January 21. The service agreement is several pages long...
by Electron
Sat Jul 19, 2014 3:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: How exactly does Vanguard's RMD service work? Rebalancing?
Replies: 44
Views: 3713

Re: Vanguard's Proportional RMD service

This was what I thought also, until I contacted Vanguard. If you delete a fund you will need to contact them to get that fund's RMD elsewhere. If you add a fund and want part of the RMD from it you have to contact them. If you exchange too much out of a fund to cover its share of the RMD or its val...
by Electron
Sat Jul 19, 2014 12:04 am
 
Forum: Investing - Help with Personal Investments
Topic: How exactly does Vanguard's RMD service work? Rebalancing?
Replies: 44
Views: 3713

Re: Adding Backup Boot Disk - Windows 7 - Clone or Image?

You could also install the replacement drive inside an enclosure and clone. If/when the internal HD fails, remove the replacement HD from the enclosure and install in the desktop. If both drives are installed internally, both drives will be powered up unless open the case to unplug the replacement ...
by Electron
Fri Jul 18, 2014 1:42 pm
 
Forum: Personal Consumer Issues
Topic: Adding Backup Boot Disk - Windows 7 - Clone or Image?
Replies: 15
Views: 1241

Re: How exactly does Vanguard's RMD service work? Rebalancin

After a couple phone conversations with Vanguard representatives I am told that the only way for them to be covered is if I have the funds go to a bank account outside of Vanguard and then purchase the shares. Wouldn't investing the RMD in an existing Vanguard Money Market fund work? You could then...
by Electron
Fri Jul 18, 2014 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: How exactly does Vanguard's RMD service work? Rebalancing?
Replies: 44
Views: 3713

Re: Adding Backup Boot Disk - Windows 7 - Clone or Image?

It can restore from / to disks of different partition size(s) - as long as the restore is to a partition or disk of = size or larger. I've been involved in an interesting discussion on that subject in another forum. Others are saying that Macrium can restore an image to a partition smaller than the...
by Electron
Thu Jul 17, 2014 5:09 pm
 
Forum: Personal Consumer Issues
Topic: Adding Backup Boot Disk - Windows 7 - Clone or Image?
Replies: 15
Views: 1241

Re: Adding Backup Boot Disk - Windows 7 - Clone or Image?

I then ran the restore process and when completed everything was there and running OK just as with the original drive. Thanks for passing that along. I intend to do the same thing to get the confidence that it all works. In my case I do have a USB 3.0 Seagate backup drive and storing the image has ...
by Electron
Thu Jul 17, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Adding Backup Boot Disk - Windows 7 - Clone or Image?
Replies: 15
Views: 1241

Re: Adding Backup Boot Disk - Windows 7 - Clone or Image?

How quick a recovery do you need? Thanks for the help. It does not need to be fast at all. I would just like to be able to restore operation of the computer without the need to reinstall Windows along with all programs and updates. I'll look into your suggestion on the RAID 1 array. I had never tho...
by Electron
Thu Jul 17, 2014 12:23 am
 
Forum: Personal Consumer Issues
Topic: Adding Backup Boot Disk - Windows 7 - Clone or Image?
Replies: 15
Views: 1241

Adding Backup Boot Disk - Windows 7 - Clone or Image?

I will be adding a second internal disk drive to my Windows 7 desktop computer for quick recovery should the current hard disk ever fail. Would you recommend disk cloning or disk imaging? Is it best to have the backup disk the same exact size in gigabytes as the disk it would be replacing? I would l...
by Electron
Wed Jul 16, 2014 1:08 pm
 
Forum: Personal Consumer Issues
Topic: Adding Backup Boot Disk - Windows 7 - Clone or Image?
Replies: 15
Views: 1241

Vanguard Corporate Bond Funds - Derivative Securities

The latest Vanguard Corporate Bond Funds Annual Report shows a long list of derivative securities for the short and intermediate term funds. There is a smaller list shown for the long term fund. The Annual Report is available at the link below. https://personal.vanguard.com/us/funds/snapshot?FundId=...
by Electron
Tue Jul 15, 2014 2:35 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Corporate Bond Funds - Derivative Securities
Replies: 0
Views: 393

Re: Tax Gain Harvesting Strategy Questions

I would check very carefully how much space is left in the 15% bracket. That is the amount that could be taxed at 0% for capital gains and qualified dividends.

The key figure filling the bottom portion of the bracket is typically all of your ordinary income minus deductions and exemptions.
by Electron
Sun Jul 13, 2014 5:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Gain Harvesting Strategy Questions
Replies: 13
Views: 723

Re: AAPL

One key decision in selling the covered call is the expiration date. One could sell a call expiring next week or as late as January 2016. The difference in premium will be significant. The strike price is the other key factor. It is easy to regret selling a covered call in a bull market or anytime t...
by Electron
Sat Jul 12, 2014 2:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 166
Views: 36447

Re: Dividend And Interest Distributions

It makes no difference if 401K funds keep a constant share balance or reinvest in additional shares after going ex-dividend. The dollar value of any given 401K account would be the same in either case. The mechanics are just accounting. If rates rise and a 401K bond fund drops in value, it would all...
by Electron
Fri Jul 11, 2014 2:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividend And Interest Distributions
Replies: 15
Views: 1320

Re: AAPL

Online option courses are available at no cost that are quite instructive. Highly recommended. http://www.optionseducation.org/en.html The catalog shows the available choices such as Options Basics, Covered Calls, and Volatility. After selling a call, I don't think it typically gets exercised as lon...
by Electron
Wed Jul 09, 2014 2:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 166
Views: 36447

Re: 4% Withdrawals Through 2000 and 2008 Bear Markets

Using the balanced index fund, you are now at a 5% SWR with only 15 years into your retirement. I guess that's right...there are only 15 years left in a 30 year SWR and I would guess that a 5% SWR would usually work over 15 years. It's easy to forget that a 2% annual increase in withdrawal over 15 ...
by Electron
Tue Jul 08, 2014 10:49 pm
 
Forum: Investing - Theory, News & General
Topic: 4% Withdrawals Through 2000 and 2008 Bear Markets
Replies: 26
Views: 3393

Re: The Risk of Short-term Bond Funds

This thread (and almost all the bond-panic threads) repeatedly miss the central point. All the worry is over interest rate risk (or duration risk). If you start investing at age 30 and die at 90, your holding period is 60 years, or something like 20x the duration of an intermediate bond fund. In su...
by Electron
Tue Jul 08, 2014 4:05 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 11196

Re: Large capital gain this year

December is typically an up month in the stock market so you might consider any alternatives. It's also not uncommon to have stock market corrections in the fall and especially in mid-term election years. I'll assume that you would do your selling at the low point of the remainder of the year if you...
by Electron
Mon Jul 07, 2014 11:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Large capital gain this year
Replies: 79
Views: 4268

Re: 4% Withdrawals Through 2000 and 2008 Bear Markets

Using the same method as described above, I added Vanguard Wellesley Income fund for comparison. The 15 year return on Wellesley Income is 7.35% compared with 5.58% for the Balanced Index fund. The extra return makes quite a difference after 15 years with withdrawals in the range of 4%. All returns ...
by Electron
Mon Jul 07, 2014 7:09 pm
 
Forum: Investing - Theory, News & General
Topic: 4% Withdrawals Through 2000 and 2008 Bear Markets
Replies: 26
Views: 3393

Re: 4% Withdrawals Through 2000 and 2008 Bear Markets

Thanks all for your replies. Here is the data from my spreadsheet. Growth of $10,000 data was taken from the Morningstar Chart for Vanguard Balanced Index fund on June 30 of each year. The percentage gain from period to period was then calculated. Withdrawals started at 4% and were increased 2% each...
by Electron
Mon Jul 07, 2014 2:51 pm
 
Forum: Investing - Theory, News & General
Topic: 4% Withdrawals Through 2000 and 2008 Bear Markets
Replies: 26
Views: 3393

Re: 4% Withdrawals Through 2000 and 2008 Bear Markets

Thanks dbr and CFM300 for your replies and actual data. I agree on the inflation factor and the different ways a withdrawal might be defined. It does appear that the retiree might have fallen behind somewhat and that is after the major advance in stocks from 2009 through mid 2014. Things could have ...
by Electron
Sun Jul 06, 2014 4:05 pm
 
Forum: Investing - Theory, News & General
Topic: 4% Withdrawals Through 2000 and 2008 Bear Markets
Replies: 26
Views: 3393

4% Withdrawals Through 2000 and 2008 Bear Markets

Morningstar is currently showing the 15 year return on Vanguard Balanced Index fund (VBINX) as 5.58%. Is it safe to assume that a retiree making 4% withdrawals from that fund over the last 15 years would currently have a greater account balance than when they started? The period involved included tw...
by Electron
Sun Jul 06, 2014 2:05 pm
 
Forum: Investing - Theory, News & General
Topic: 4% Withdrawals Through 2000 and 2008 Bear Markets
Replies: 26
Views: 3393

Re: The Risk of Short-term Bond Funds

Thanks for posting. Interesting and sobering. Have you seen anything that gives a hint as to the size of the fees that are being considered? None of the articles that I have seen mentioned anything about the size of possible exit fees. I would expect significant resistance to that kind of proposal ...
by Electron
Fri Jul 04, 2014 2:40 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 11196

Re: The Risk of Short-term Bond Funds

Short term bond funds will often outperform longer duration bond funds during periods of negative bond returns. They may indeed have their place in the period ahead. There have been a number of articles recently stating that the Federal Reserve has discussed Exit Fees on bond funds. They are very co...
by Electron
Fri Jul 04, 2014 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 11196

Re: The Risk of Short-term Bond Funds

It might be instructive to look at the comparison farther back in time. One could then highlight periods when short term bond funds did outperform longer duration funds. It would be interesting to at least understand the circumstances in those periods. Examples might be 1994 and certain periods afte...
by Electron
Thu Jul 03, 2014 5:30 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 11196

Re: Who to contact for RMD strategy?

You may want to look into minimizing other sources of ordinary income going forward. At higher income levels it is often desirable to have qualified dividends, long term capital gains, and tax exempt income in taxable accounts. A tax efficient strategy with taxable accounts will generally try to def...
by Electron
Thu Jun 26, 2014 3:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who to contact for RMD strategy?
Replies: 18
Views: 1441

Re: Pension Lump Sum - Impact of Higher Corporate Rate

Thanks Frugal Al and BigJohn for the additional comments. I retired in 2007 and did take a lump sum in 2008. The purpose of this thread was to clarify a few points that came up in a discussion with some other retirees. My situation also had an interesting complication because I was under an early re...
by Electron
Wed Jun 18, 2014 6:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension Lump Sum - Impact of Higher Corporate Rate
Replies: 16
Views: 1403

Re: Pension Lump Sum - Impact of Higher Corporate Rate

Paul - Thanks very much for the clarification. You did answer my question but I did not interpret it correctly. In my first read I thought the "balance left in the plan" was the amount remaining after subtracting the lump sum allocated to you. Your actuary did indeed do an excellent job an...
by Electron
Mon Jun 16, 2014 2:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension Lump Sum - Impact of Higher Corporate Rate
Replies: 16
Views: 1403

Re: Pension Lump Sum - Impact of Higher Corporate Rate

Thanks all for your replies. After a little reading it looks as though the higher corporate bond rate was part of the Pension Protection Act of 2006. Many pensions were underfunded with a high percentage of retirees taking lump sums which did create problems. Companies did request the change and arg...
by Electron
Mon Jun 16, 2014 12:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Pension Lump Sum - Impact of Higher Corporate Rate
Replies: 16
Views: 1403

Pension Lump Sum - Impact of Higher Corporate Rate

With the higher corporate interest rate now in use for pension lump sums, would a typical retiree lump sum be able to purchase the annuity option monthly income on the outside? This question is just for discussion. It's also not clear if the relationship between lump sum and annuity monthly income i...
by Electron
Sun Jun 15, 2014 4:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension Lump Sum - Impact of Higher Corporate Rate
Replies: 16
Views: 1403

Re: Problem With New VCR Tapes

Here is an update on this thread. I continued to have serious problems with the Maxell Standard Grade VCR tapes that I had just purchased from a major online retailer. It got to the point where cleaning of the VCR heads was required daily. Often just a rewind or fast forward would bring on the probl...
by Electron
Sun Jun 01, 2014 6:03 pm
 
Forum: Personal Consumer Issues
Topic: Problem With New VCR Tapes
Replies: 28
Views: 3023

Re: Thinking of buying a 1974 Corvette

The Hemmings site is also very useful with photos and prices.

Type 1974 Corvette into the search box or click on the second link below.

http://www.hemmings.com/

http://www.hemmings.com/classifieds/?ad ... 4+Corvette
by Electron
Thu May 29, 2014 12:18 am
 
Forum: Personal Consumer Issues
Topic: Thinking of buying a 1974 Corvette
Replies: 22
Views: 1516
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