Search found 2520 matches

Return to advanced search

Re: Do you use a phone book?

I've kept a phone book and a city map in the car since the '80s. They have often come in handy.
by dratkinson
Sun Nov 23, 2014 5:11 pm
 
Forum: Personal Consumer Issues
Topic: Do you use a phone book?
Replies: 47
Views: 1532

Re: best bank for online billpay

Second option. If you want to avoid the hassle of online bill pay, don't change your bank, change your bill payment plan. Use your creditors' Automatic Bill Payment (ABP) plans, instead of your bank's online bill pay system. In this way, your creditors *pull money from your account, instead of you g...
by dratkinson
Sat Nov 22, 2014 4:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: best bank for online billpay
Replies: 21
Views: 1288

Re: Movie dialog, "The Social Network." Hard to hear?

Have been noticing the same thing. Have come to believe it's not me, it's the art; because I can hear well enough for the real world. At home, dialing back the bass, to reduce low frequency background noise, and up the treble to enhance speech, seems to help with anything with soft-spoken characters...
by dratkinson
Sat Nov 22, 2014 3:01 pm
 
Forum: Personal Consumer Issues
Topic: Movie dialog, "The Social Network." Hard to hear?
Replies: 14
Views: 1426

Re: Mail order gift basket

I like the "Deluxe" fruitcake from Collin Street Bakery. The "Texas Manor" fruitcake from Yahoo! Bakery is also good. Have sent both.
by dratkinson
Fri Nov 21, 2014 3:38 pm
 
Forum: Personal Consumer Issues
Topic: Mail order gift basket
Replies: 5
Views: 497

Life, Career, and Retirement Planning Guide

Retiring comfortably after a low-paying career is the subject of The Millionaire Next Door . It can be easily done. Group project, group answer. Seeing all of the students come in, I was beginning to feel a little overwhelmed. How would we keep all of this straight, without it feeling like we've ope...
by dratkinson
Wed Nov 19, 2014 7:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: 18 and Need Help Starting [Classroom research assignment]
Replies: 67
Views: 4418

Re: Online ETF graphs that show growth minus fees (expns rat

Try this. Download the current Callan Periodic Table of Returns. It ranks asset class performance by year. The annual tables go back to 1990s. https://www.callan.com/research/periodic/ Count the number of times mid-cap has out-performed large cap over your time period. That is probably the majority ...
by dratkinson
Wed Nov 19, 2014 4:42 pm
 
Forum: Investing - Theory, News & General
Topic: Online ETF graphs that show growth minus fees (expns ratio)?
Replies: 14
Views: 1185

Re: New Electrical Outlets are tough to Penetrate

Perhaps designers of these new outlets did not really think it through. When you wiggle, that might loosen screws in the outlet and lead to other problems lateron. ... Too much pressure! Use very light pressure. Only lightly touch the plastic gates with the plug prongs. Only wiggle enough to equali...
by dratkinson
Tue Nov 18, 2014 3:08 pm
 
Forum: Personal Consumer Issues
Topic: New Electrical Outlets are tough to Penetrate
Replies: 7
Views: 2021

Re: Basic investment question

Not a fan of withdrawing from any tax-advantaged account prior to retirement. Why? Yes, you may be able to take the money out, but you can 't put it back. Doing this is equivalent to killing the golden goose sitting our our retirement nest egg. Any emergency fund should be re-fillable. Exception: I ...
by dratkinson
Tue Nov 18, 2014 3:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Basic investment question
Replies: 17
Views: 1395

Re: New Electrical Outlets are tough to Penetrate

With the new outlets, use light insertion pressure and wiggle the hot/neutral side-to-side. Outlet should open easily. This works for any plug: 2 or 3 pronged. New outlets are expecting equal pressures to open. Dissimilar pressures causes them to remain closed. The thought is a child might be trying...
by dratkinson
Mon Nov 17, 2014 5:58 pm
 
Forum: Personal Consumer Issues
Topic: New Electrical Outlets are tough to Penetrate
Replies: 7
Views: 2021

Re: Basic investment question

Open a Vanguard mutual fund account. (Or use an existing brokerage account at Fidelity, TRPrice to buy comparable low-cost Exchange Traded Funds.) Invest in the 3-fund portfolio. If your fed tax rate is 25+%, substitute muni bonds for total bond market. Student exercises. See the Wiki link at the to...
by dratkinson
Mon Nov 17, 2014 4:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Basic investment question
Replies: 17
Views: 1395

Re: 18 and Need Help Starting

wavegodz, Start from the beginning of this topic. Re-read suggestions as if they were directed toward you. They are. Only the numbers have changed. What will be your annual income? What will you invest annually? --Assume 7% annual growth. What will be your annual expenses? --Assume moving out as one...
by dratkinson
Mon Nov 17, 2014 4:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: 18 and Need Help Starting [Classroom research assignment]
Replies: 67
Views: 4418

Re: Bogleheads not found easily in Google

New day. New boot. And Bogleheads is again back as first non-ad link on page one. Yea! Yesterday I noticed that I'd forgotten to tell CCleaner to save the new google cookies after the http://www.google.com/ncr fix. Corrected that yesterday. So today the FireFox search tool ("What's my IP addres...
by dratkinson
Mon Nov 17, 2014 3:11 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads not found easily in Google
Replies: 30
Views: 2904

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

TaxACT. Once you are a paid TaxACT customer, they will send you an email offering pre-season pricing if you opt-in early for the next tax season. In my case, online ultimate bundle, fed & 1 state, ~$14. You don't pay until you file your taxes. Noticed this year their first email offer was ~$15,...
by dratkinson
Sun Nov 16, 2014 7:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 87
Views: 8848

Re: What to do w/space under 15% Fed bracket limit?

This is the best I can suggest. You could try a tax simulation to see which causes you to pay the least in long-term taxes. Federal: I've used this--- http://www.excel1040.com ---to simulate different retirement scenarios. It was easy enough to use. I started by inputting my baseline tax data and go...
by dratkinson
Sun Nov 16, 2014 3:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do w/space under 15% Fed bracket limit?
Replies: 21
Views: 2441

Re: Bogleheads not found easily in Google

New day. New boot. First google search after http://www.google.com/ncr fix and I'm back at google. ca . N.B. google.com/ncr does not work. Must use www. google.com/ncr and it does work. My dialup ISP is All2Easy and believe they are in CA lifornia. But don't think that's the problem. My old PC/brows...
by dratkinson
Sun Nov 16, 2014 2:07 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads not found easily in Google
Replies: 30
Views: 2904

Re: Bogleheads not found easily in Google

Ah, you're right that google.ca puts Bogleheads on the 4th page, which actually makes sense as all of the results on the first page are Canada-specific. The real question seems to be, why are you getting redirected to google.ca? Here are some suggested fixes from the Google support page: https://su...
by dratkinson
Sat Nov 15, 2014 11:07 am
 
Forum: Forum Issues and Administration
Topic: Bogleheads not found easily in Google
Replies: 30
Views: 2904

Re: Does anyone here make "fun" purchases.

Make your own curtains. You'll enjoy them much more and will save a lot of money. Should be able to easily find "how-to" instructions. Get a used sewing machine from a thrift store. I've seen portables for less than $50. Buy your material from a yard-goods store. Had a friend who, with an ...
by dratkinson
Fri Nov 14, 2014 5:57 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone here make "fun" purchases.
Replies: 111
Views: 6507

Re: Bogleheads not found easily in Google

BH is the top non sponsored link either personalized or with a chrome incognito window. Was this typed in at the Google site, or in a browser search box? If the former, I am thinking spyware. Spyware? great. Will try running my last copy of Ad-Aware. Step 1. I'm typing in a Firefox browser search b...
by dratkinson
Fri Nov 14, 2014 5:30 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads not found easily in Google
Replies: 30
Views: 2904

Re: What to do w/space under 15% Fed bracket limit?

State taxes. While you may skate under fed taxes in the 15% bracket, the state will take its cut. Assuming your assessment of your retirement tax bracket to be accurate.... I don't see LTCGs doing much for you after the state tax bite. It was your money. It's still your money. Your future tax struct...
by dratkinson
Fri Nov 14, 2014 3:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do w/space under 15% Fed bracket limit?
Replies: 21
Views: 2441

Re: Investing above and beyond retirement accounts

1. Taxable investing. Read: http://www.bogleheads.org/wiki/Principles_of_tax-efficient_fund_placement Read: http://www.bogleheads.org/wiki/Three-fund_portfolio The 3-fund portfolio's total stock market index fund and total international stock market index fund are both tax efficient. If in a higher ...
by dratkinson
Fri Nov 14, 2014 3:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing above and beyond retirement accounts
Replies: 5
Views: 841

Re: Bogleheads not found easily in Google

Assuming I did something wrong, tried it again. Google still putting Bogleheads on page 4 when searching for "investment forum". Seems to be the opposite of a personalized search. :annoyed Searching for "bogleheads" works correctly. But have always assumed it might be more easily...
by dratkinson
Thu Nov 13, 2014 6:31 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads not found easily in Google
Replies: 30
Views: 2904

Re: 'Insects' Taking Over Underground Sprinkler Control Box

Thank you all for the responses. When I removed dirt yesterday, I saw about 7, 8 earthworms in the control area. Is there a solution to get rid of earthworms? Befriend them... and take them fishing. Or move them to your flower beds or compost heap: to improve the soil. Could try putting a solid bot...
by dratkinson
Thu Nov 13, 2014 5:55 pm
 
Forum: Personal Consumer Issues
Topic: 'Insects' Taking Over Underground Sprinkler Control Box
Replies: 11
Views: 869

Re: Selling to avoid capitol gain.

If in a tax-advantaged space, why bother? (I ask because you mention bonds and REIT in same topic so assumed tax-advantaged space is being used.) If in taxable space, losses and gains offset each other on tax form. If in taxable space, long-term capital gains receive preferred tax treatment. If in t...
by dratkinson
Thu Nov 13, 2014 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling to avoid capitol gain.
Replies: 11
Views: 776

Re: 25yo Military New Investor

Read this: http://www.bogleheads.org/wiki/Military_finances House. Knew some who bought early and it worked well for them. Knew others with horror stories: housing crash causing new homes to sell for less than their mortgage, wife left behind to sell house when husband PCS'd and bought second home, ...
by dratkinson
Thu Nov 13, 2014 2:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25yo Military New Investor
Replies: 34
Views: 2845

Bogleheads not found easily in Google

Generally I've told people the easiest way to find this forum is to search google for "investment forum" and pick the first non-ad link. Just for grins decided to come in that way today. No joy. "Bogleheads" now appear on page 4 of google search. Top-ranked searches now appear to...
by dratkinson
Thu Nov 13, 2014 2:20 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads not found easily in Google
Replies: 30
Views: 2904

Re: astonishing performance of US markets vs others

Momentum topics remind us that selling hurts winners---they could have continued to advance---so better to rebalance into losers with new money. Your money remembers where it came from? L. Maybe should have been more clear. The asset winning under momentum could have continued to advance. Now that ...
by dratkinson
Tue Nov 11, 2014 6:08 pm
 
Forum: Investing - Theory, News & General
Topic: astonishing performance of US markets vs others
Replies: 50
Views: 4959

Re: astonishing performance of US markets vs others

Momentum topics remind us that selling hurts winners---they could have continued to advance---so better to rebalance into losers with new money.
by dratkinson
Tue Nov 11, 2014 3:49 pm
 
Forum: Investing - Theory, News & General
Topic: astonishing performance of US markets vs others
Replies: 50
Views: 4959

Re: What if your investable assets rise significantly?

Nothing, just follow your IPS.

However, once you've filled up your annual tax-deferred space and begin taxable investing, then it's time to update your IPS to include tax efficiency.

See: http://www.bogleheads.org/wiki/Principl ... _placement
by dratkinson
Tue Nov 11, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: What if your investable assets rise significantly?
Replies: 19
Views: 2048

Re: Yield Curve Investigations

I've tried to follow this topic and broaden my understanding of investing theory. It's not working. But I did like the 3D chart of historical rates. Interesting. I do understand that treasury rates affect banks and businesses---the direct cost of borrowing---and indirectly the yields customers can e...
by dratkinson
Sun Nov 02, 2014 5:09 pm
 
Forum: Investing - Theory, News & General
Topic: Yield Curve Investigations
Replies: 71
Views: 6900

Re: Automatic shutoff for water leaks?

Cheap. Home Depot (Watchdog, 110 db, ~$10, 9V 1200 mAh lithium) and Harbor Freight (Bunker Hill Water Leak Detector, >80 db, ~$5, 12V 55 mAh alkaline) sell battery-powered leak detectors. Lean toward 9V model as it seems to be louder and you can more easily find high-capacity long-life lithium batte...
by dratkinson
Sun Nov 02, 2014 4:13 pm
 
Forum: Personal Consumer Issues
Topic: Automatic shutoff for water leaks?
Replies: 4
Views: 811

Re: New to Investing, Based in Hong Kong

I notice 3019 DBMSCIWORLD, 3009 DBMSCIEM, and 3029 DBMSCIUSA do not pay dividends. Does that mean an investor's return is through price appreciation and stock/ETF splits to keep price under control? Anyone know where I could find a history of prices and splits? Didn't find one after quick search. I ...
by dratkinson
Fri Oct 31, 2014 7:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to Investing, Based in Hong Kong
Replies: 54
Views: 3149

Re: Bond fund for taxable account.

Looks like you are in the 25% fed tax bracket. I bought both IT and LT muni in the 15% fed tax bracket. Still hold them. Still happy with them. Search Wiki and learn about Taxable-Equivalent Yield (TEY). That is what convinced me. (Working on longer answer for theory section. Short answer: IT muni i...
by dratkinson
Wed Oct 29, 2014 5:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond fund for taxable account.
Replies: 2
Views: 339

Re: anticipating tax rate in retirement

... That being said, I would like to be able to estimate the effective tax rate on any future RMDs from a traditional 401k/IRA ... I don't know how to compute effective tax rate, but did this to guesstimate after-tax income for different cases. Played with above 1040 Excel tool last night. After en...
by dratkinson
Mon Oct 27, 2014 4:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: anticipating tax rate in retirement
Replies: 14
Views: 1679

Re: anticipating tax rate in retirement

The short answer. Download this Excel-based 1040 to run tax simulations on your PC: https://sites.google.com/site/excel1040/ The long answer. Feeling somewhat chagrined by above mistake, thought I'd study a little deeper. Re-read Wiki SS explanation and thought a hands-on example would reinforce lea...
by dratkinson
Sun Oct 26, 2014 6:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: anticipating tax rate in retirement
Replies: 14
Views: 1679

Re: Bond exposure in my portfolio

Read one of the three recommended bond books by Swedroe, Thau, or Cohen. (Haven't yet read Cohen.) There is too much information there to repeat here. Recall Swedroe recommends intermediate term bonds: duration ~5 years. Recall Thau is happy with bond durations less than 10 years. Yes, prices will d...
by dratkinson
Sun Oct 26, 2014 3:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond exposure in my portfolio
Replies: 13
Views: 1523

Re: NJ - Buying house in flood zone (FEMA)?

House buying 101. Do not buy a house in a floodplain, hurricane zone, or west of the Saint Andreas fault. What about areas that get tornadoes, mudslides, and fires? I have seen plenty of homes destroyed on the news by those events also. Earth-sheltered home in most protected area. My guess is in a ...
by dratkinson
Sun Oct 26, 2014 2:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: NJ - Buying house in flood zone (FEMA)?
Replies: 48
Views: 2737

Re: anticipating tax rate in retirement

kaneohe, grabiner, thanks for correction. That is a significant oversight. Will correct. :oops: For me, SS is a few years away but had been doing some pre-planning to compute then-taxable income: modify income/withholdings-estimate annual spreadsheets. Obviously didn't look close enough at SS worksh...
by dratkinson
Sun Oct 26, 2014 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: anticipating tax rate in retirement
Replies: 14
Views: 1679

Re: So you think you're a Risk-taker?

Neither above link worked for me. But dropped the title (So you think you're a Risk-taker?) into google, and google's link escorted me into article. Yet the article link, and second link above, appear to be the same. Go figure.
by dratkinson
Sat Oct 25, 2014 4:10 pm
 
Forum: Investing - Theory, News & General
Topic: So you think you're a Risk-taker?
Replies: 36
Views: 4025

Re: tax efficiency

I bonds are also state tax exempt when redeemed.
by dratkinson
Sat Oct 25, 2014 3:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: tax efficiency
Replies: 5
Views: 887

Re: anticipating tax rate in retirement

Misinformation removed.
by dratkinson
Sat Oct 25, 2014 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: anticipating tax rate in retirement
Replies: 14
Views: 1679

Re: NJ - Buying house in flood zone (FEMA)?

JMacDonald wrote:
dratkinson wrote:House buying 101. Do not buy a house in a floodplain, hurricane zone, or west of the Saint Andreas fault.

What about areas that get tornadoes, mudslides, and fires? I have seen plenty of homes destroyed on the news by those events also.


Earth-sheltered home in most protected area.
by dratkinson
Sat Oct 25, 2014 4:57 am
 
Forum: Personal Finance (Not Investing)
Topic: NJ - Buying house in flood zone (FEMA)?
Replies: 48
Views: 2737

Re: NJ - Buying house in flood zone (FEMA)?

House buying 101. Do not buy a house in a floodplain, hurricane zone, or west of the Saint Andreas fault.
by dratkinson
Fri Oct 24, 2014 5:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: NJ - Buying house in flood zone (FEMA)?
Replies: 48
Views: 2737

Re: Help needed for tax efficient fund placement

Read this: http://www.bogleheads.org/wiki/Principles_of_tax-efficient_fund_placement Bonds and REIT are tax inefficient and should be in a tax-advantaged account. Total international stock market is fairly tax efficient (some qualified dividends + a foreign tax credit) and can be in taxable. If you ...
by dratkinson
Fri Oct 24, 2014 4:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help needed for tax efficient fund placement
Replies: 6
Views: 601

Re: The 1 Thing Successful Investors Never Do

"Never give up." Glad someone posted it as I'm a little dense today and couldn't figure out what that one thing was. From the Guerin comment, I was going to guess "buy on margin", but maybe that's not the one thing. Also note that last paragraph links to a "hot stock" s...
by dratkinson
Thu Oct 23, 2014 2:26 pm
 
Forum: Investing - Theory, News & General
Topic: The 1 Thing Successful Investors Never Do
Replies: 12
Views: 4898

Re: DIY Winterizing Sprinkler / Irrigation System

The following document has the best overview and diagram of the winterizing process that I have seen. I printed the instructions/diagram and have hung it in our basement next to the irrigation main valve to remind me of the process. http://lawn-aerator-attachment.com/Winterize%20Backflow%20Preventi...
by dratkinson
Thu Oct 23, 2014 1:54 pm
 
Forum: Personal Consumer Issues
Topic: DIY Winterizing Sprinkler / Irrigation System
Replies: 17
Views: 1658

Re: DIY Winterizing Sprinkler / Irrigation System

Lesson learned #1. There are two types of air hose connections/adapters. One is automotive, the other is for air tools: the ends are a little different and will not interconnect. Get the one that fits your air compressor: take a sample when you go shopping. Lesson learned #2. In hindsight, if I'd in...
by dratkinson
Tue Oct 21, 2014 3:58 pm
 
Forum: Personal Consumer Issues
Topic: DIY Winterizing Sprinkler / Irrigation System
Replies: 17
Views: 1658

Re: Borescope for inspecting dryer vents and AC ducts

Don't really need a borescope for dryer vents, just assume it needs cleaning and blow it out using an electric leaf blower. The low pressure, high volume air stream will clean it out. For some reason, a neighbor's basement dryer was installed on one wall, but vented overhead to the opposite wall: >2...
by dratkinson
Mon Oct 20, 2014 1:00 am
 
Forum: Personal Consumer Issues
Topic: Borescope for inspecting dryer vents and AC ducts
Replies: 9
Views: 1347

Re: Snow Blower

Now use water-proof bulky ski gloves from Army-Navy Surplus: ~$10, the last I remember buying. Form-fitting Thinsulate gloves don't work after they get wet. Have a 3-ring binder for my snowblower owner's manual: keeps it clean on garage shelf. Inside binder, clipped in the rings, are: (1) a small pl...
by dratkinson
Sun Oct 19, 2014 1:20 am
 
Forum: Personal Consumer Issues
Topic: Snow Blower
Replies: 49
Views: 2826

Re: New to Investing, Based in Hong Kong

On second page of: http://www.etf.db.com/HKG/ENG/Product_Overview Do I understand this correctly, the world in one ETF? 3019 DB X-TRACKERS MSCI WORLD INDEX UCITS ETF (synthetic) Product details: http://www.etf.db.com/HKG/ENG/ETF/LU0455009851/3019/db-x-trackers-MSCI-World-Index-UCITS-ETF-(This-is-a-s...
by dratkinson
Sat Oct 18, 2014 2:48 am
 
Forum: Investing - Help with Personal Investments
Topic: New to Investing, Based in Hong Kong
Replies: 54
Views: 3149
Next

Return to advanced search