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Re: Taking advantage of 15% tax bracket

Your gain may be fed tax free, but state/local taxes may apply. Vanguard's frequent trading policy will prevent you (easily*) repurchasing TSM for 60 days. *Exceptions for mail and automatic transactions. Seem to recall LV (VIVAX) has similar long-term growth record as TSM, so a possible purchase ca...
by dratkinson
Wed Dec 17, 2014 6:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taking advantage of 15% tax bracket
Replies: 6
Views: 1046

Re: What desktop should I buy.

I've been very satisfied with my Dell desktop. It and it's internals are ~20 years old and still working well. Exceptions noted for obsolete Internet s/w. I'll be looking for a new one in 2015.
by dratkinson
Wed Dec 17, 2014 5:41 pm
 
Forum: Personal Consumer Issues
Topic: What desktop should I buy.
Replies: 36
Views: 2279

Re: How does Chinese monetary policy work

I've been working through the issues. It's easy enough to determine the market impact on simulated net worth (HKD), but understanding the impact of changing currency exchange ratios when converting back to CNY is proving to be more difficult. I've learned the HKD|USD ratio is pegged, but the CNY flo...
by dratkinson
Sat Dec 13, 2014 11:59 am
 
Forum: Investing - Theory, News & General
Topic: How does Chinese monetary policy work
Replies: 4
Views: 803

Re: Edward Jones Compliance division letter

Sounds like you've recently opened and EJ account. Good.

You're going to think about this later anyway, so might as well start now. Search this forum for topics on "leaving Edward Jones". That way you will already know what to expect when your time comes.
by dratkinson
Fri Dec 05, 2014 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Edward Jones Compliance division letter
Replies: 9
Views: 1277

Re: Just Paid Off My Car

Congrats. Hope your car lasts 20 years.
by dratkinson
Wed Dec 03, 2014 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just Paid Off My Car
Replies: 24
Views: 2238

Re: Giving money to your alma mater: Have to vent

Remember receiving a small scholarship cash award at high school graduation in honor of a passed well-regarded teacher. I and parents were completely and pleasantly surprised. Wanted to do something about that when I could. After college and starting my first job, I repaid scholarship at the rate of...
by dratkinson
Wed Dec 03, 2014 4:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Giving money to your alma mater: Have to vent
Replies: 166
Views: 16499

Re: tipping rubbish pickup people and letter carriers

I'm now paying more for health care to underwrite the health care costs of minimum-wage workers. What more than free health care should I be paying for them?

Don't believe any employee should expect more than the agreed upon salary/benefits. I didn't.
by dratkinson
Tue Dec 02, 2014 6:55 pm
 
Forum: Personal Consumer Issues
Topic: tipping rubbish pickup people and letter carriers
Replies: 56
Views: 3677

Re: Things to do on new year's eve..

In January? Forecast income from distributions and check/adjust W-4 additional withholdings. I SWAG it by assuming 10% addition to past year's totals.

On new year's eve? Should have already done everything that was financially important to do for the past year.
by dratkinson
Tue Dec 02, 2014 6:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Things to do on new year's eve..
Replies: 18
Views: 2165

Re: Investing outside of a retirement account

A 3-three-fund portfolio, constructed of total stock market, total international stock market, and intermediate-term muni bond, is tax efficient. One of the gotchas of taxable investing is the "replacement shares"/"wash sale" issue if you try to tax-loss harvest and a "subst...
by dratkinson
Fri Nov 28, 2014 11:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing outside of a retirement account
Replies: 8
Views: 1537

Re: Participating thread notification icon hard to see

The forum s/w is written by a third party. See "Powered by phpBB® Forum Software" at the bottom of the forum index page. Would probably need to address your issue to them. See examples of other forums using same s/w: http://tnttt.com/ http://camp-cook.com If I'm interested in following a t...
by dratkinson
Wed Nov 26, 2014 3:55 pm
 
Forum: Forum Issues and Administration
Topic: Participating thread notification icon hard to see
Replies: 2
Views: 460

Re: Livesoft can you explain how u can do this?

... I currently have about 230k in T-IRA and about 230k in Roth-IRA so about 50/50. I can grab a CORP pension at 55 B-Day and Military pension at 59, then plan on taking SS at 62.... Could delay SS until 70 if the extra wiggle room would help with the conversion. The down side is SS will pay you mo...
by dratkinson
Wed Nov 26, 2014 3:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Livesoft can you explain how u can do this?
Replies: 47
Views: 4349

Re: How does Chinese monetary policy work

I have a question. I've been trying to encourage my Chinese penpal to begin investing. I've sent some books but so far she appears to have no interest. In a recent topic from James in Hong Kong, he received some replies to look into ETFs from DB Platinum Advisors (Germany), which are transacted in H...
by dratkinson
Tue Nov 25, 2014 8:25 pm
 
Forum: Investing - Theory, News & General
Topic: How does Chinese monetary policy work
Replies: 4
Views: 803

Re: Vanguard: "Updated capital gains estimates "

Could use form 4868 (automatic filing extension) to adjust withholdings. Remember to add enough to play the paper I bond refund game.
by dratkinson
Tue Nov 25, 2014 5:10 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard: "Updated capital gains estimates "
Replies: 14
Views: 2043

Re: What percent "Boglehead" are you?

100%. My road to Dublin is allowed by selected facets of BH philosophy, and confirmed by the sleep-well test.
by dratkinson
Mon Nov 24, 2014 5:41 pm
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 120
Views: 7616

Re: Do you use a phone book?

lululu wrote:
imgritz wrote:
stingray5688 wrote:A what?

+1

I'll use a phone book as soon as I find my rotary dial phone.


I have two of those, nicely reconditioned. They also work when the power fails and my more modern phones are useless.


One rotary phone. Has followed me since 1980. Still works.
by dratkinson
Mon Nov 24, 2014 5:07 pm
 
Forum: Personal Consumer Issues
Topic: Do you use a phone book?
Replies: 51
Views: 2136

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: 51
Views: 2136

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: 24
Views: 2304

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: 15
Views: 2304

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: 522

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: 4784

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: 1307

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: 2389

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: 1612

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: 2389

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: 1612

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: 4784

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: 3585

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: 140
Views: 16671

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: 2779

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: 3585

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: 3585

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: 8542

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: 3585

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: 2779

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: 994

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: 3585

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: 891

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: 804

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: 3318

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: 3585

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: 5271

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: 5271

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: 2236

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: 7820

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: 855

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: 3228

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: 347

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: 1757
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