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Re: Steps to take to prevent ID theft?

Is identity theft forever? This is terrifying. Do you recommend Life Lock or buy something else after following all the recommendations stated? Life Lock would seem to be a third party to the new-account-opening process, so don't see how they could prevent that if creditors doesn't check with them ...
by dratkinson
Sun Jul 27, 2014 3:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Steps to take to prevent ID theft?
Replies: 21
Views: 1540

Re: Steps to take to prevent ID theft?

From personal experience fraud alerts will do nothing to stop someone from opening an account in your name if someone has stolen your personal information. ... This would imply that a credit freeze would be equally as ineffective at preventing identity theft, because if creditors don't check with c...
by dratkinson
Sun Jul 27, 2014 11:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Steps to take to prevent ID theft?
Replies: 21
Views: 1540

Re: Vanguard sued for charging too little

Believe Vanguard can truthfully claim they are not avoiding taxes, just passing greater profits to clients... who then pay greater fed/state taxes.

Maybe this exercise demonstrates that Danon has cause to sue Fordham Law School for what he paid for the magna cum laude.
by dratkinson
Sun Jul 27, 2014 10:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 105
Views: 9213

Re: Help with my portforlio

EXOSX, Manning & Napier Overseas is not a Vanguard fund, yet you say all of your accounts (IRA/Roth/401k) are with Vanguard. Do you have a *Vanguard Brokerage Service account? Does your employer allow you a VBS account as a 401K option? That would explain how you have everything at "Vanguar...
by dratkinson
Fri Jul 25, 2014 10:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with my portforlio
Replies: 4
Views: 585

Re: Help with my portforlio

Complete information is required to provide good advice. Please identify where your IRA/Roth are held. (Example: members have reported holding American funds at Edward James can have a big impact on investing success.) Please break down your holdings in each ( * symbol and name, expense ratios): 40...
by dratkinson
Thu Jul 24, 2014 9:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with my portforlio
Replies: 4
Views: 585

Re: Steps to take to prevent ID theft?

A credit freeze is permanent and costs money to unfreeze. Fraud alerts are temporary but free. Fraud Alerts. Use 800.525.6285 or https://www.alerts.equifax.com to place a an initial 90-day *fraud alert notice on your credit file with Equifax (they will forward to Experian and TransUnion). *With a fr...
by dratkinson
Thu Jul 24, 2014 4:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Steps to take to prevent ID theft?
Replies: 21
Views: 1540

Re: Can it be wrong to be too risk averse?

... He points out that a loss of principal is a lot bigger problem to his long term investment goals for retirement, than missing out on a higher rate of return. ... Respectfully disagree. This is a faulty assumption, as his bonds are losing against inflation. Any investment philosophy based on a f...
by dratkinson
Tue Jul 22, 2014 7:48 pm
 
Forum: Investing - Theory, News & General
Topic: Can it be wrong to be too risk averse?
Replies: 49
Views: 2309

Re: Relatively safe investment for large sump

... Regarding bond fund, it is not possible to avoid some of the individual bonds to be sold before their maturity dates. Does this fact only factor into the price of the bond fund ? ... I don't understand your question. If you can not hold an individual bond until maturity, then don't buy it. Simp...
by dratkinson
Mon Jul 21, 2014 8:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively safe investment for large sum
Replies: 43
Views: 3221

Re: Sprinklers for the bottom of a sloping lawn

Suggest repositions sprinkler head 12-24" into lawn. Then any drain water should have sufficient surrounding lawn to soak into before reaching the sidewalk.
by dratkinson
Sun Jul 20, 2014 6:41 pm
 
Forum: Personal Consumer Issues
Topic: Sprinklers for the bottom of a sloping lawn
Replies: 10
Views: 1086

Re: Living on Dividends

Ditto the recommendations for boring bonds, as there have been long time periods when they did better then stocks. Look into the Efficient Frontier concept: asset mixes giving highest risk-adjusted return. Seem to recall a ~30% allocation to intermediate-term bonds giving the best risk/return. Poke ...
by dratkinson
Sat Jul 19, 2014 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Living on Dividends
Replies: 18
Views: 4416

Re: Professor looking for investment advice

International bonds are not recommended. Bonds are for safety. International bonds introduce sovereign nation risk. Unhedged international bonds introduce currency risk. Hedged international bonds are linked back to US bonds, but more expensive. (Credit Ferri for this thumbnail sketch.) Bottom line....
by dratkinson
Sat Jul 19, 2014 11:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Professor looking for investment advice
Replies: 16
Views: 1619

Re: New to forum and Investing

Read the Bogleheads Guide to Investing , get if from your local library. Ballparking it. Suggestions for tax-advantaged account investing. --If you can open a business 401k, do so. Contribute the max. --Open an IRA. Contribute the max. The Roth IRA is recommend because of more favorable withdrawal t...
by dratkinson
Sat Jul 19, 2014 11:01 am
 
Forum: Investing - Help with Personal Investments
Topic: New to forum and Investing
Replies: 7
Views: 479

Re: Relatively safe investment for large sum

... Is there any penalty for moving the money out of the ST treasury fund ? Also, looked at your link for CDs and saw that you could get 2.3% on 5 year term (Everbank). Is CD yield short term or long term gain ? ... No penalty for moving money out of ST treasury bond fund, but NAV/price can fluctua...
by dratkinson
Sat Jul 19, 2014 9:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Relatively safe investment for large sum
Replies: 43
Views: 3221

Re: Relatively safe investment for large sump

dratkinson, Trying to understand more on munis risk. From your post and from what I see under the "fixed income characteristics" 1) Related to interest rate - 1% rise would mean 1% annually drop in fund price or in SEC annual yield ? 2) What are the impact of maturity, duration, and coupo...
by dratkinson
Fri Jul 18, 2014 9:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively safe investment for large sum
Replies: 43
Views: 3221

Re: Relatively safe investment for large sump

I looked at the title and did not understand the relation between safe investment and large SUMP. lol! Completely missed that, otherwise I'd have suggested a Base Pump. http://www.basepump.com/ Probably not recommended. VWAHX (high yield muni) is more risky and has a ~20% exposure to bond issues su...
by dratkinson
Thu Jul 17, 2014 5:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively safe investment for large sum
Replies: 43
Views: 3221

Re: Relatively safe investment for large sump

... >>> If you are in a lower tax bracket (than 25%), would need to give serious consideration to using municipal bonds as a taxable option might be better for you. This option would work even better for higher tax bracket, right ? Yes. Better option if in higher tax bracket. TEY = SEC yield / (1 -...
by dratkinson
Thu Jul 17, 2014 4:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively safe investment for large sum
Replies: 43
Views: 3221

Re: meaning of volume

Volume is a technical analysis metric (one of 93?, as reported by Swedroe). A stock is assumed to have an average trading volume (during average times), so significant deviations indicate something has changed about the stock's desirability. http://www.investopedia.com/terms/v/volume.asp TA has been...
by dratkinson
Thu Jul 17, 2014 3:21 pm
 
Forum: Investing - Theory, News & General
Topic: meaning of volume
Replies: 5
Views: 700

Re: Relatively safe investment for large sump

Five years is the bottom of the recommended range for owning bonds. Given: appropriate conservative saving/investing vehicles by need times. <1 year, insured savings. 1-5 years, insured CDs. 5-10 years, safe bond funds. >10 year, safe stock funds. Treasury bonds are the safest (and state tax exempt)...
by dratkinson
Thu Jul 17, 2014 2:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively safe investment for large sum
Replies: 43
Views: 3221

Re: VTI, VTSAX, VTSMX price difference

I'd been noticing: VGHCX (health care, inv.) $206.16, VGHAX (health care, adm) $86.98. I'm not sure what you are writing about. If you chart "growth of" these two funds at Morningstar, if they are different the lines would diverge. Please explain or post the M* chart. Thanks. My old PC (W...
by dratkinson
Wed Jul 16, 2014 5:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: VTI, VTSAX, VTSMX price difference
Replies: 27
Views: 1957

Re: VTI, VTSAX, VTSMX price difference

Ok, fine. I think how livesoft phrased it would be most clear and resonate with somebody new to the investment world, that's all I'm saying. :D It's too bad he didn't use VISVX $24.97, VSIAX $44.79, and VBR $104.24, where each share really does buy different amounts. :) Can some body explain why th...
by dratkinson
Wed Jul 16, 2014 4:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: VTI, VTSAX, VTSMX price difference
Replies: 27
Views: 1957

Re: Inherited a promissory note--what to do?

Idea. Can the promissory note (and accrued interest) be given to a (viscous, litigious,...) charitable organization (with more resources to collect)... and written off as a charitable contribution on your taxes... thus jumping ahead of any IRS claim on the estate? Does organized crime have recognize...
by dratkinson
Tue Jul 15, 2014 5:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inherited a promissory note--what to do?
Replies: 22
Views: 2420

Re: Buying a camper

Ask the folks on the Teardrops and Tiny Travel Trailers forum: tnttt.com . Lots of ideas there and they like showing/telling how they built/use their camping trailers. They might be able to suggest something you could build simply to suit your needs.
by dratkinson
Mon Jul 14, 2014 12:24 pm
 
Forum: Personal Consumer Issues
Topic: Buying a camper
Replies: 26
Views: 2459

Re: Light Bulb Durability

Mike83 wrote:...
I have my LEDs on a occupancy sensor...


Curious. Did your motion sensor switch package list the amount of parasitic load added by the switch? (A quick search doesn't immediately return this information.)
by dratkinson
Thu Jul 10, 2014 3:58 pm
 
Forum: Personal Consumer Issues
Topic: Light Bulb Durability
Replies: 59
Views: 4450

Re: cashing in a savings bond

Should be able to cash bond at a bank. Call around and find one that will do it for you. Can start with your B&M bank, and if no luck there then a U.S. Bank branch. Assuming yours is a paper bond, you can use the online savings bond calculator to determine its value. Value changes on first day o...
by dratkinson
Wed Jul 09, 2014 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: cashing in a savings bond
Replies: 11
Views: 1148

Re: Question on Vanguard Balanced Funds

Plan for the worst, hope for the best. (Added) There are higher reward investments, but they come with a higher risk of loss. As an investment custodian, your duty is the safe appropriate investing of the entrusted funds. Remember, you will be required to justify your actions. Is it acceptable for t...
by dratkinson
Wed Jul 09, 2014 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question on Vanguard Balanced Funds
Replies: 10
Views: 1208

Re: What Book Are You Currently Reading? Part V

Stumbled across a source of speed-related (auto, train, aviation, ship,...) book reviews/recommendations:
http://speedreaders.info/
by dratkinson
Mon Jul 07, 2014 3:39 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3112
Views: 1007831

Re: Erasing hard disk that have died

If intent is to "preserve the mechanics" of an inoperative hard drive, suggest using a magnetic tape bulk tape eraser. But if it is inoperative, why bother? Smash it and recycle component materials.
by dratkinson
Mon Jul 07, 2014 3:09 pm
 
Forum: Personal Consumer Issues
Topic: Erasing hard disk that have died
Replies: 40
Views: 3279

Re: Turning a Saver into an Investor

Your 401k. S&P 500 looks to be the best option. Seem to recall PIMCO Total Return being spoken of well by others on forum. Know nothing about the other offerings. Echo the recommendation to avoid the socially responsible fund: their history is of below-market return. If you want to make a large...
by dratkinson
Sat Jun 28, 2014 7:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Turning a Saver into an Investor
Replies: 12
Views: 1857

Re: Want to Save Money? Be Polite!

My mother used to say "you catch more flies with honey than vinegar". She was right about that. If you are nice to people, they will be nice to you, sometimes even going out of their way to be nice. It's just common sense. I've always tried to do that, and it works. :happy Make a Vinegar ...
by dratkinson
Fri Jun 27, 2014 6:48 pm
 
Forum: Personal Consumer Issues
Topic: Want to Save Money? Be Polite!
Replies: 41
Views: 6696

Re: Vanguard Tax-Exempt Bonds?

Novice investor, so be forewarned to double-check my faulty knowledge. Be careful where you place investments. Municipal bonds are appropriate for a taxable account, but may be inappropriate for a tax-deferred account. Why? Withdrawals from tax-deferred accounts are taxable. So putting municipal bon...
by dratkinson
Wed Jun 25, 2014 7:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Tax-Exempt Bonds?
Replies: 3
Views: 914

Re: Alternative to Broker Sold Municipal Bond Fund

Possible consideration. The Vanguard high-yield muni fund has/had a 20% position in issues subject to the alternative minimum tax.
by dratkinson
Tue Jun 24, 2014 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Alternative to Broker Sold Municipal Bond Fund
Replies: 10
Views: 538

Re: At what point do munis make sense?

... What is true is that an extra $10 of tax-exempt income either gives you $5 of taxable SS income, $8.50 of taxable SS income, or $0 of taxable SS income. In the 15% bracket, that will raise your taxes by $0.75, $1.275, or $0. The marginal tax rate on your tax-exempt income when collecting SS is ...
by dratkinson
Wed Jun 18, 2014 8:52 pm
 
Forum: Investing - Theory, News & General
Topic: At what point do munis make sense?
Replies: 65
Views: 6007

Re: How to Charge a Smartphone in Car

Found a cigarette lighter phone charging cord (micro USB) at a thrift store (Savers, Goodwill, ...) for ~$2.
by dratkinson
Tue Jun 17, 2014 3:20 pm
 
Forum: Personal Consumer Issues
Topic: How to Charge a Smartphone in Car
Replies: 12
Views: 715

Re: At what point do munis make sense?

... What is true is that an extra $10 of tax-exempt income either gives you $5 of taxable SS income, $8.50 of taxable SS income, or $0 of taxable SS income. In the 15% bracket, that will raise your taxes by $0.75, $1.275, or $0. The marginal tax rate on your tax-exempt income when collecting SS is ...
by dratkinson
Mon Jun 16, 2014 10:02 pm
 
Forum: Investing - Theory, News & General
Topic: At what point do munis make sense?
Replies: 65
Views: 6007

Re: At what point do munis make sense?

I have wondered if the forum is being too conservative in recommending against muni bonds in lower tax brackets. Why? From memory. --TBM is predominately government-backed. --Bogle likes corporate bonds (less safe than TBM). --The BH-recommended books say muni bonds have less default risk then corpo...
by dratkinson
Sun Jun 15, 2014 9:58 pm
 
Forum: Investing - Theory, News & General
Topic: At what point do munis make sense?
Replies: 65
Views: 6007

Re: At what point do munis make sense?

Tax exempt munis are only appropriate in a taxable account and can be used to keep a taxpayer in a favorable tax bracket such as 15% where the qualified dividends and cap gains are tax at 0 %. An advantage of munis is that the interest does not show up on the 1040 so it does not push income into a ...
by dratkinson
Sun Jun 15, 2014 8:31 pm
 
Forum: Investing - Theory, News & General
Topic: At what point do munis make sense?
Replies: 65
Views: 6007

Re: "Find out if your fund is declaring a quarterly dividend

dratkinson wrote:To save time, is it appropriate to place the list here? If not, prune away.

[Pruned. Content in excess of copyright fair use removed by admin LadyGeek]


Wrongly assumed Vanguard's tacit approval of forum allowed exception. Thanks for clarification... and latest LG notch. :)
by dratkinson
Fri Jun 06, 2014 5:40 pm
 
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a quarterly dividend"
Replies: 3
Views: 1123

Re: Hiking and Locator Beacon

Don't do that much solo/wilderness hiking, but still want to be prepared... because you just never know. Following the "Rule of 3s", life ends after: 3 minutes without oxygenated blood, 3 hours from hypothermia, 3 days without water, and 3 weeks without food; and I always have my wallet an...
by dratkinson
Fri Jun 06, 2014 3:46 am
 
Forum: Personal Consumer Issues
Topic: Hiking and Locator Beacon
Replies: 33
Views: 2159

Re: Sprinkler system lesson learned--leave valves open

Even leaving the valves open has been covered in previous threads: http://www.bogleheads.org/forum/viewtopic.php?p=2026960#p2026960 :twisted: Half-open may reduce the chance of insects getting in and clogging up things. Or spiders weaving webs/nests in there. Concede I missed that point, but if I h...
by dratkinson
Fri Jun 06, 2014 2:03 am
 
Forum: Personal Consumer Issues
Topic: Sprinkler system lesson learned--leave valves open
Replies: 6
Views: 1106

Re: Hiking and Locator Beacon

Last week a young man used his cell phone to call for help. Happy ending. Lucky he was in range of cell tower.

Canadian climber rescued from 13,000-foot peak in Colorado
http://www.reuters.com/article/2014/05/ ... 3920140529
by dratkinson
Thu Jun 05, 2014 6:28 pm
 
Forum: Personal Consumer Issues
Topic: Hiking and Locator Beacon
Replies: 33
Views: 2159

Re: "Find out if your fund is declaring a quarterly dividend

To save time, is it appropriate to place the list here? If not, prune away.

[Pruned. Content in excess of copyright fair use removed by admin LadyGeek]
by dratkinson
Thu Jun 05, 2014 6:19 pm
 
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a quarterly dividend"
Replies: 3
Views: 1123

Re: Gadgets for a old car

Can your phone accept a hands-free headset? That might be the cheaper option. Try: Car Toys. They can probably install a new radio with the required capabilities. Personal note. Please be careful with your phone distracting your full attention from safe driving. Lately my greatest driving fear is se...
by dratkinson
Thu Jun 05, 2014 5:30 pm
 
Forum: Personal Consumer Issues
Topic: Gadgets for a old car
Replies: 5
Views: 597

Re: Rabbit TV

Try a simple rabbit-ears indoor TV antenna first; it may be all you need if you live in an urban area. Otherwise a larger outdoors antenna may be necessary.

Enter your location at http://www.antennaweb.org/ for ideas about what you can expect. Worked great for me.
by dratkinson
Thu Jun 05, 2014 4:14 pm
 
Forum: Personal Consumer Issues
Topic: Rabbit TV
Replies: 2
Views: 524

Sprinkler system lesson learned--leave valves open

Lesson learned. At system startup this year, had to replace the vertical valve before the BFP due to freeze damage, again. (Twice in 15 years. Valve: ~$30 from ACE. Horizontal valve after BFP has never been freeze damaged.) I've always winterized by blowing out sprinkler system, then turning off all...
by dratkinson
Thu Jun 05, 2014 4:03 pm
 
Forum: Personal Consumer Issues
Topic: Sprinkler system lesson learned--leave valves open
Replies: 6
Views: 1106

Re: Half Milestone Hit!

Congratulations. ... Do you mean the 1M mark or "half milestone"? I'd be curious to know if it gets any easier as time/accumulation marches on. ...: In a topic near the current forums founding, it was said the first $500K is the hardest, so I've always considered the first milestone is $50...
by dratkinson
Tue Jun 03, 2014 2:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Half Milestone Hit!
Replies: 44
Views: 2565

Re: Social Security at 66 vs. 70: A Bird in the Hand?

Remember reading a recent article that said SS benefits are capped at ~$2650/mo, so need to recompute break even. Maximum SS benefits are different for FRA (assume age 66) and 70. Currently, the FRA maximum benefit for 2014 is $2642/month. If you are at age 70 in 2014 and claim at that age, your ma...
by dratkinson
Mon Jun 02, 2014 5:08 pm
 
Forum: Investing - Theory, News & General
Topic: Social Security at 66 vs. 70: A Bird in the Hand?
Replies: 54
Views: 4044

Re: Social Security at 66 vs. 70: A Bird in the Hand?

Remember reading a recent article that said SS benefits are capped at ~$2650/mo, so need to recompute break even. Conventional wisdom is not to think about "coming out ahead", but to think of SS as an annuity that offsets potential long-term care costs. So the longer you wait before taking...
by dratkinson
Mon Jun 02, 2014 4:13 pm
 
Forum: Investing - Theory, News & General
Topic: Social Security at 66 vs. 70: A Bird in the Hand?
Replies: 54
Views: 4044

Re: Books on Good Financial Decisions for My Daughter

The Only Investment Guide You'll Every Need, Tobias. Read it in the '70s. Covers many non-direct investing (personal finance) topics.
by dratkinson
Sun Jun 01, 2014 5:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Books on Good Financial Decisions for My Daughter
Replies: 14
Views: 1044

Re: comparing state taxes in retirement

The above Kiplinger link was interesting, especially the linked articles below the state-by-state taxes story: 10 things you must know about SS, 10 things you must know about Medicare, 10 most tax-friendly states,.... The linked Medicare article mentions premium costs will increase if a single's ann...
by dratkinson
Sun Jun 01, 2014 5:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: comparing state taxes in retirement
Replies: 17
Views: 1922

Re: Alarm Clock

I guess people are lighter sleepers than I am because bringing up the lights or soft rain sounds wouldn't nudge me especially if I were getting up earlier than before so I need the LOUD beeping alarm. How to get up early---The best alarm clocks for heavy sleepers: http://howtogetupearly.com/the-bes...
by dratkinson
Sat May 31, 2014 5:24 am
 
Forum: Personal Consumer Issues
Topic: Alarm Clock
Replies: 30
Views: 2286
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