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by dratkinson
Fri May 22, 2015 3:13 am
Forum: Personal Consumer Issues
Topic: Looking for a DVR device for antenna TV (Simple.TV?)
Replies: 18
Views: 1241

Re: Looking for a DVR device for antenna TV (Simple.TV?)

Interested also. Searched for "OTA DVR" and google found this: http://www.cutcabletoday.com/ota-dvr-comparison/
by dratkinson
Wed May 20, 2015 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Ed Jones wants American Funds moved under their Name
Replies: 9
Views: 1210

Re: Ed Jones wants American Funds moved under their Name

Forewarned is forearmed.

Search forum for "leaving Edward Jones" and "leaving American funds".



Welcome.
by dratkinson
Wed May 20, 2015 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: I Think I Blundered On My Munis (??)
Replies: 13
Views: 1768

Re: I Think I Blundered On My Munis (??)

Got it. Thanks, ogd. Here's another question, our record shows Vanguard did a conversion from VWITX (individual) to VWIUX (admiral) in January 9, 2015 of 4043.063 shares of which 745.34 shares where bought bet Jan 1-9, 2015. Does the conversion date affect my TLH benefits since VWIUX will show a st...
by dratkinson
Tue May 19, 2015 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Young And Clueless
Replies: 28
Views: 2326

Re: Young And Clueless

The short answer. Live below your means, invest the rest. Do not allow raise(s) to increase your cost of living; if possible invest all of each. Annually. --Invest in your 401k to get employer's match. It's free money. --Fully invest in your Roth IRA. May be your lowest-cost investing options. --Inv...
by dratkinson
Tue May 19, 2015 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: I Think I Blundered On My Munis (??)
Replies: 13
Views: 1768

Re: I Think I Blundered On My Munis (??)

N.B. One of the senior investors reminds us that a wash sale is avoided if we sell the replacement shares at the same time as the TLH. Example. A TSM quarterly dividend is reinvested and we TLH the next day. If part of the TLH is to also sell the dividend just received, then we don't have any replac...
by dratkinson
Mon May 18, 2015 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing with questions
Replies: 5
Views: 483

Re: New to investing with questions

Simple is good. With 2055 in both your 401k and Roth, there is nothing really that needs rebalancing as Vanguard handles that for you. Be aware that you probably believe you risk tolerance to be higher than it maybe is, because youth is "10-feet tall and bullet-proof". So when the next mar...
by dratkinson
Mon May 18, 2015 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Financially clueless - just starting out/need advice. Military Med Student, Student Loans, and Optimizing Investment
Replies: 5
Views: 635

Re: Financially clueless - just starting out/need advice. Military Med Student, Student Loans, and Optimizing Investment

Read The Only Investment Guide You'll Ever Need by Tobias. Covers wide range of personal finance issues: insurance, debt, credit cards, investing,.... Get it from your public library. Read wiki topic "Military Finances" and linked references: https://www.bogleheads.org/wiki/Military_financ...
by dratkinson
Mon May 18, 2015 1:15 pm
Forum: Investing - Theory, News & General
Topic: Visualizing the Yield Curve, 1990 - 2012
Replies: 8
Views: 1497

Re: Visualizing the Yield Curve, 1990 - 2012

Found this while playing at the library.

Animated Chart: US Treasury Yield Curve Since 2002: https://www.youtube.com/watch?v=yph8TRldW6k
by dratkinson
Sun May 17, 2015 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Help with investments outside Roth and 401k
Replies: 4
Views: 566

Re: Help with investments outside Roth and 401k

Suggestion. Post your financial situation in the format suggest by the sticky "Asking Portfolio Questions". Why? So the forum can review and offer suggestions to improve your current investing. How? Hopefully they'll identify opportunities to reduce costs, improve tax efficiency, or simpli...
by dratkinson
Sat May 16, 2015 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Help with investments outside Roth and 401k
Replies: 4
Views: 566

Re: Help with investments outside Roth and 401k

Search/read wiki topic: “tax-efficient fund placement”. Search/read wiki topic: “three-fund portfolio”. Construct a 3-fund portfolio in your taxable account. Allowed exception. You can substitute an intermediate-term national muni bond fund (VWITX, the textbook answer) for the recommended total bond...
by dratkinson
Fri May 15, 2015 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Talk me out of Timing the Market!
Replies: 30
Views: 2986

Re: Talk me out of Timing the Market!

When to choose bonds? Stocks can lose 50-90% of their value during a crash. Bonds can lose 5-15% of their value during a crash. So bonds are not your greatest risk. Bond will lose some value when interest rates rise, but not much (<10%). You are also forgetting that bond funds recover their value a...
by dratkinson
Fri May 15, 2015 12:49 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 194
Views: 8372

Re: Forum software upgrade bug reports and change requests

Using a separate text editor of your preference would work (outside of phpBB), but is less efficient due to the repeated need to copy-n-paste into the post editing box. But when you use an external editor for a long post, you gain the added reliability of not losing your entire post to a browser cr...
by dratkinson
Thu May 14, 2015 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Bond/Savings Investments [Preferences]
Replies: 12
Views: 1037

Re: Bond/Savings Investments [Preferences]

... I've read on here that investing is like picking flavors of ice cream in a parlor, I'm just asking your favorite flavor. With investing, it's not what we favor, rather it's what the market favors. The books teach what has worked long-term and with what degree of success and volatility: reward v...
by dratkinson
Wed May 13, 2015 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Bond/Savings Investments [Preferences]
Replies: 12
Views: 1037

Re: Bond/Savings Investments [Preferences]

Books. You need to read lots of books. Why? Because these posts can not replicate that wealth of knowledge. Fortunately the wiki has a list of recommended books. See: https://www.bogleheads.org/wiki/Books:_recommendations_and_reviews Personal finance. Start by reading The Only Investment Guide You'l...
by dratkinson
Tue May 12, 2015 1:17 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 194
Views: 8372

Re: Forum software upgrade bug reports and change requests

Data point. Notifications seem to work okay with Firefox v2. Really. :o (Edit) Open notification in new tab. My browser is setup to "open new page in new tab", but clicking a notification over-writes current tab. "Right-click open notification in new tab", works. Clearing notific...
by dratkinson
Tue May 12, 2015 12:26 pm
Forum: Personal Consumer Issues
Topic: What to use to clean car
Replies: 45
Views: 3429

Re: What to use to clean car

Exterior - rain Interior - nothing Wow. Cheap and simple. A true Boglehead :beer Had to try it. A week of rains and one heavy wet snow... no joy. Snow took down tree limbs, but could not remove the film. Rubbing seem to be required to remove dirt: okay for a summer rain when it 80F out, but not whe...
by dratkinson
Mon May 11, 2015 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Options for bond funds in taxable account?
Replies: 10
Views: 856

Re: Options for bond funds in taxable account?

The simple answer is it's not easy to answer your question as you have not provided enough information about your financial situation to make a good recommendation. See the sticky "Asking Portfolio Question" and edit your original post with requested information. Assuming your are in a hig...
by dratkinson
Sun May 10, 2015 4:58 pm
Forum: Personal Consumer Issues
Topic: Boglehead Dryer - for likely non-permanent residence
Replies: 8
Views: 606

Re: Boglehead Dryer - for likely non-permanent residence

Back in the '70s I used a portable half-width Maytag 120v dryer mounted above a full-size Maytag washer. It worked okay of a single person, but would be too small for family use. Think: half a washer load capacity, twice as long to dry, so 4x longer to dry a washer load, moist air vented into the ro...
by dratkinson
Sat May 09, 2015 1:07 pm
Forum: Personal Consumer Issues
Topic: Travel trailer (on my wish list)
Replies: 8
Views: 907

Re: Travel trailer (on my wish list)

Another perspective which began hopefully: http://www.thesilversnail.com/

It was fun following her adventures, but ultimately stopped when Airstream could not resolve the multiple problems with her small trailer: http://www.thesilversnail.com/18_jacksoncenter.html Just too depressing to read more.
by dratkinson
Sat May 09, 2015 12:13 pm
Forum: Investing - Theory, News & General
Topic: Stop contributions to retirement accts due to future RMDs
Replies: 77
Views: 5355

Re: Stop contributions to retirement accts due to future RMDs

RMDs, and their taxes, were going to be my problem too... but with much less money. I solved my problem by converting to Roth IRA. Hated to pay the taxes then, but now glad I did as my rIRA is now much larger than my tIRA. Suggest your friend take the annual RMD, then annually convert additional 401...
by dratkinson
Fri May 08, 2015 4:21 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 194
Views: 8372

Re: Forum software upgrade bug reports and change requests

Data point. Submitted from my old PC (FF v2).. I only checked the first page of all demo styles at the library and with my old browser. (I used a library PC to ensure I knew what each page was supposed to look like.) With respect to FF v2. PBTech and PBWow have small font foreground/background issue...
by dratkinson
Fri May 08, 2015 3:21 pm
Forum: Personal Consumer Issues
Topic: What to use to clean car
Replies: 45
Views: 3429

Re: What to use to clean car

Will try the rain recommendation as we've had *monsoon rains for the past week+. (*Counter-clockwise air mass rotation pulls pacific/gulf moist air into CO where it's forced upwards by the mountains to cool in upper atmosphere and condense as rain. This weather occurrence also produces Denver's heav...
by dratkinson
Mon May 04, 2015 7:58 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 194
Views: 8372

Can't turn of Live Notification and keep Email notifications.

Coming in from public library machine. Trying to simplify my settings. The plan: use library PC to configure something I can live with at home. 1. Is it possible to turn off the live notifications script as a user preference? In user control panel, board preference, edit notification options: I turn...
by dratkinson
Sun May 03, 2015 7:54 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 194
Views: 8372

Would it be possible for forum version to be a user selection?

Data point. Forum version 2 supported Firefox v2. Forum version 3, not so much. This post is just the last gasp of a dinosaur. :) I recognize this is my problem, not the forum's, so will work to upgrade on my end. Mine was probably the oldest system on the forum (P2, Firefox v2, dialup). Thought the...
by dratkinson
Fri May 01, 2015 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing - needing advice
Replies: 10
Views: 990

Re: New to investing - needing advice

As you may be nervous about investing, suggest you start with a bond allocation of 30%. Why? So your emotions are not tested too much during the next market crash. Yes, there will be more market crashes. Expect a major crash (deep, long-term) every ~10 years (the last was a ~40% crash in 2008), and ...
by dratkinson
Fri May 01, 2015 4:48 am
Forum: Investing - Theory, News & General
Topic: Chinese CD's
Replies: 55
Views: 7316

Re: Chinese CD's

In for the ride. Using linked rate information (BoC and HSBC.CN) to help with the bond/CD portion of my Chinese penpal's investment simulation.
by dratkinson
Tue Apr 28, 2015 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Feel like I made a mistake with buying a house: appreciation
Replies: 43
Views: 4951

Re: Feel like I made a mistake with buying a house: apprecia

I bought a house 2.5 years ago that has appreciated by 12%. Another person I know bought a house 3 years ago that has appreciated by 120%. ... Doesn't matter until you both sell your homes. On that day, the situations may be reversed, equalized, or not. Until then, it's not worth worrying about it....
by dratkinson
Tue Apr 28, 2015 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting: How do you do it in practice?
Replies: 40
Views: 2476

Re: Tax Loss Harvesting: How do you do it in practice?

Couple'a points and "this is news to me". --TLH lowers cost basis, so when selling later for personal use, gain/tax will be higher---probably a wash if you remain in the same tax bracket. But if you expect to be in a higher tax bracket when harvesting gains, the tax will be worse than the ...
by dratkinson
Mon Apr 27, 2015 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting: How do you do it in practice?
Replies: 40
Views: 2476

Re: Tax Loss Harvesting: How do you do it in practice?

... Since I keep track of cost basis myself, one thing I monitor (with a software assist) is how much of a loss I could harvest from Fund X if its price drops to $Y, ... +1 Using Excel investment tracking, I know the price paid for every lot. Easy to compare against today's price and compute TLH op...
by dratkinson
Sun Apr 26, 2015 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: investing for child (noob)
Replies: 8
Views: 817

Re: investing for child (noob)

Option. US savings bonds. I forget which (EE or I), if set up properly are tax free when used for authorized education expenses. Remembering old topic: savings bonds inside 529 plan become acceptable for ALL education expenses. Tax deferred until redeemed. Don't know how this play with high income. ...
by dratkinson
Sat Apr 25, 2015 4:55 pm
Forum: Investing - Theory, News & General
Topic: “How Does Aging Affect Financial Decision Making?”
Replies: 67
Views: 4706

Re: “How Does Aging Affect Financial Decision Making?”

Decline of mental ability. I've a slow system so will sometimes play FreeCell solitaire (every game claimed to be solvable) while I'm waiting for a long graphics page to load. Over the years I've notice my first attempt solution percentage has stayed constant over hundreds of games. Been thinking th...
by dratkinson
Sat Apr 25, 2015 3:55 pm
Forum: Personal Consumer Issues
Topic: Adequate alternatives to TurboTax?
Replies: 28
Views: 1909

Re: Adequate alternatives to TurboTax?

... Is there any other source to check out potential tax due for 2015? ... Recently I've been using excel1040.com to guesstimate after-tax income scenarios, an intermediate step is guesstimating changes to fed tax owed. Entire process required an evening's work. Enter your 2014 tax data into excel1...
by dratkinson
Fri Apr 24, 2015 3:15 am
Forum: Investing - Help with Personal Investments
Topic: Bonds - why invest in them right now? Can use some help...
Replies: 10
Views: 1403

Re: Bonds - why invest in them right now? Can use some help.

If you need bonds, then you need bonds. You may be worrying too much about this. Why? We've been hearing about rising rates since 2008. Maybe this time it's true. Maybe it's not. Bond prices vary much less than *stock prices, so even if they do change, up or down, it's not by much. A 1% (absolute) r...
by dratkinson
Fri Apr 24, 2015 2:12 am
Forum: Personal Consumer Issues
Topic: Adequate alternatives to TurboTax?
Replies: 28
Views: 1909

Re: Adequate alternatives to TurboTax?

In the past I've used TaxACT in quick entry mode to enter all 1099s. Wasn't too bad, and much faster than interview format. This year I tried OLT (OnLine Tax, free file software) for my simple returns , accessed through the IRS.gov free file software portal. Fast and free (fed, state, efile), though...
by dratkinson
Tue Apr 21, 2015 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in a fund every month
Replies: 26
Views: 2634

Re: Investing in a fund every month

... I do have one question about if I were to use the Target Retirement Funds at Vanguard. (1) If I put an initial $1000 into the account, can I then put in smaller amounts? (2) Like, will they split up my payments to all of the different funds that make up their fun?... (1) Yes. (2) Yes. Vanguard ...
by dratkinson
Mon Apr 20, 2015 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Transitioning to Low-Fee Holdings
Replies: 4
Views: 488

Re: Transitioning to Low-Fee Holdings

General advice. Might as well make the change now to what you want as the market is ~stable under current political leadership, and shouldn't be less so after next year. Your conversion will result in capital gains (taxes: fed & state). If the market does drop afterwards and you don't know how, ...
by dratkinson
Mon Apr 20, 2015 3:03 pm
Forum: Personal Consumer Issues
Topic: Buying a Car to commute - SUV or Sedan?
Replies: 37
Views: 2781

Re: Buying a Car to commute - SUV or Sedan?

Rough commute.

Any chance of using public transportation and working/reading/napping during your commute? Van pool? Car pool?
by dratkinson
Mon Apr 20, 2015 3:03 pm
Forum: Personal Consumer Issues
Topic: Cast Iron Skillet Cooking
Replies: 127
Views: 17678

Re: Cast Iron Skillet Cooking

"Sticking, burning." Sounds like the coating is not yet thick enough: more seasoning required. Your temp may be too high, but if it didn't stick, then less chance of burning, so maybe it's just the coating. I also have an electric range. I'm a novice CI user and can barely fry an egg witho...
by dratkinson
Mon Apr 20, 2015 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: [Who is Ameriprise? Got invitation from a financial advisor]
Replies: 32
Views: 2968

Re: [Who is Ameriprise? Got invitation from a financial advi

Good fences make good neighbors. You can give him baked goods as a "Welcome to the neighborhood gift", but not money. Sends the wrong message.
by dratkinson
Mon Apr 20, 2015 1:06 am
Forum: Investing - Help with Personal Investments
Topic: Investing in a fund every month
Replies: 26
Views: 2634

Re: Investing in a fund every month

Option. Could check internet for "mutual fund minimums", maybe find something lower than Vanguard. Stay away from all low-minimum funds with loads and/or high expense ratios. Going this route would also mean you'd have a capital gain/loss, short-term and long-term to *report, when you late...
by dratkinson
Sun Apr 19, 2015 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: how to deal with it [regret over past investing choices]
Replies: 74
Views: 5903

Re: how to deal with it [regret over past investing choices]

Remembered later. Can search forum for "worst investing/financial mistake" to find topics. The wisdom freely given to you was purchased dearly. Live and learn, don't repeat past mistakes; this includes dwelling upon them. By three methods we may learn wisdom: First, by reflection, which is...
by dratkinson
Sat Apr 18, 2015 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: how to deal with it [regret over past investing choices]
Replies: 74
Views: 5903

Re: how to deal with it [regret over past investing choices]

You are well ahead of me. I didn't find this method until I was 58: retired and no earned income. The only person you are competing against is yourself. Are you better today than you were yesterday? You are, but only if you take what you now know and look forward. You can't keep looking back. You go...
by dratkinson
Fri Apr 17, 2015 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Tips for Post-College Lifestyle
Replies: 53
Views: 2941

Re: Tips for Post-College Lifestyle

Read The Only Investment Guide You'll Every Need, by Tobias. Covers wide ranging personal finance topics.

Read Date... Or Soul Mate?, by Warren. Cheaper than a divorce.

Compare words and actions. When they disagree, believe the actions.
by dratkinson
Fri Apr 17, 2015 3:10 pm
Forum: Personal Consumer Issues
Topic: Don't have a plan, what to do with my money?
Replies: 12
Views: 1633

Re: Don't have a plan, what to do with my money?

achen9291 wrote:...
Is there a pdf of the book online? I"ve tried looking for it but with no luck. I might just have to buy it and give it a read.


Get it from your local public library, or through inter-library loan.
by dratkinson
Fri Apr 17, 2015 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Turning 21, help organizing
Replies: 3
Views: 496

Re: Turning 21, help organizing

Suggest reading The Only Investment Guide You'll Ever Need , by Andrew Tobias. Covers a wide range of personal finance topics. Can keep your fun-money stocks. Selling stocks. Pick one each year until done. (Assumes you stay in the <=15% fed tax bracket.) --Can sell losing stocks to offset ordinary i...
by dratkinson
Fri Apr 17, 2015 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Taxes on a Muni Bond Fund
Replies: 7
Views: 1248

Re: Taxes on a Muni Bond Fund

Two tax gotchas come to mind. 1. Any capital gain/loss on the sale is reported on Sch D. 2. Any TE dividends received, on shares (original or reinvested) owned less than six months, lose their tax-preferred treatment. Believe that means they are reported as ordinary interest on Sch B, but I could be...
by dratkinson
Fri Apr 17, 2015 1:00 pm
Forum: Personal Consumer Issues
Topic: Don't have a plan, what to do with my money?
Replies: 12
Views: 1633

Re: Don't have a plan, what to do with my money?

If you have not already done so, suggest you read The Only Investment Guide You'll Every Need , by Andrew Tobias. Covers more personal finance issues than just investing. Had to look up Mango account: http://www.dailyfinance.com/2012/02/02/when-6-percent-interest-is-too-good-to-be-true/ Six percent ...
by dratkinson
Fri Apr 17, 2015 10:27 am
Forum: Personal Consumer Issues
Topic: Safety Deposit Box is Necessary (+1 plug:)
Replies: 33
Views: 4574

Re: Safety Deposit Box is Necessary (+1 plug:)

Recall Taylor telling us that his local Chase bank provides a free (unadvertised benefit) safety deposit box for veterans.
by dratkinson
Fri Apr 17, 2015 10:26 am
Forum: Investing - Theory, News & General
Topic: DQOTD: Municipal Bond Fund Downside
Replies: 19
Views: 2057

Re: DQOTD: Municipal Bond Fund Downside

@ogd, Thanks. Your speed|acceleration analogy was helpful. Working my through the Investopedia link supplied in the BH Wiki. I can't do anything with the math, but the graphs are helpful. Is the short-answer action-step to venture no further than IT with all callable bonds? Should that be my takeawa...

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