Search found 1571 matches

by Electron
Thu Sep 29, 2016 3:54 pm
Forum: Investing - Theory, News & General
Topic: Why are tax-exempt money market yields so high?
Replies: 12
Views: 1705

Re: Why are tax-exempt money market yields so high?

Take a look at this Bloomberg article. The title is "Muni Money Market Funds Decimated by Rules Intended to Save Them".

http://www.bloomberg.com/news/articles/ ... -save-them
by Electron
Thu Sep 29, 2016 2:39 pm
Forum: Investing - Theory, News & General
Topic: Why are tax-exempt money market yields so high?
Replies: 12
Views: 1705

Re: Why are tax-exempt money market yields so high?

There have been many articles recently about outflows from Prime Money Market funds related to the upcoming changes. Try a Google search. My guess is that the same thing may be happening with Tax Exempt Money Market funds. In any of these cases, it would be harder to sell new paper without yields ri...
by Electron
Mon Sep 19, 2016 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Windfall will put me into AMT for 2017... How to ride it out?
Replies: 12
Views: 1493

Re: Windfall will put me into AMT for 2017... How to ride it out?

If there is any way to reduce Adjusted Gross Income next year that should lower AMT. One example might be replacing ordinary income from investments with tax exempt income. A key factor is the phaseout of the AMT exemption. Qualified Dividends might also be preferable to ordinary income. You might f...
by Electron
Sat Sep 17, 2016 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Windfall will put me into AMT for 2017... How to ride it out?
Replies: 12
Views: 1493

Re: Windfall will put me into AMT for 2017... How to ride it out?

I'd suggest modeling your taxes in any good tax program such as TaxAct. Here is an excellent article on AMT that is worth reviewing. https://www.kitces.com/blog/evaluating-exposure-to-the-alternative-minimum-tax-and-strategies-to-reduce-the-amt-bite/ One key is understanding the phaseout of the AMT ...
by Electron
Fri Sep 16, 2016 12:50 pm
Forum: Personal Consumer Issues
Topic: Unlocked Android Phones - Any Issues with Software Updates?
Replies: 9
Views: 829

Re: Unlocked Android Phones - Any Issues with Software Updates?

Thanks all for the additional information. My main concern was getting a new or backup phone from someplace other than Cricket Wireless and not knowing whether updates would be affected. My SIM card would be moved to the new phone. There was one comment in the thread I referenced above that I found ...
by Electron
Thu Sep 15, 2016 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: VMMXX-Vanguard Prime Money Market Fund
Replies: 11
Views: 1873

Re: VMMXX-Vanguard Prime Money Market Fund

I had an email from Vanguard in early August that was an Account Change Confirmation. The Federal Money Market fund had been opened with zero balance. Click on "Messages" after you log in and check your Inbox. I had a message indicating that assets would need to be transferred into the new...
by Electron
Thu Sep 15, 2016 12:29 pm
Forum: Personal Consumer Issues
Topic: Unlocked Android Phones - Any Issues with Software Updates?
Replies: 9
Views: 829

Re: Unlocked Android Phones - Any Issues with Software Updates?

Thanks all for the replies. I found a thread on the android central forum and it looks like this may be a complicated subject. It appears that not all unlocked phones are offered software upgrades after they become available. It may depend on the specific phone and the carrier involved. The thread m...
by Electron
Wed Sep 14, 2016 12:02 pm
Forum: Personal Consumer Issues
Topic: Unlocked Android Phones - Any Issues with Software Updates?
Replies: 9
Views: 829

Unlocked Android Phones - Any Issues with Software Updates?

I've heard that some carriers have customized versions of the Android operating system. Does this present any issues for either minor or major software updates?

In addition, is it possible to stay with the standard version of Android when a major update becomes available?
by Electron
Sun Sep 11, 2016 12:17 pm
Forum: Investing - Theory, News & General
Topic: Wall St. Nuclear Meltdown
Replies: 62
Views: 8596

Re: Wall St. Nuclear Meltdown

After sharp declines of this type in the market, the media rarely mentions that the selling is being done largely by short term investors and speculators and not long term investors. Most of the selling is related to traders with margin accounts, market timers, hedge funds, computer trading, and oth...
by Electron
Thu Sep 08, 2016 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: $50M+ - Need a sounding board/advice
Replies: 205
Views: 22026

Re: $50M+ - Need a sounding board/advice

A large taxable portfolio presents some interesting questions about taxation. It's fairly easy to model different scenarios with programs such as TaxAct. If the $70M portfolio was invested entirely in the Total Stock Market Index, you would have approximately $1.4M in Qualified Dividends. It looks l...
by Electron
Sun Sep 04, 2016 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: $50M+ - Need a sounding board/advice
Replies: 205
Views: 22026

Re: $50M+ - Need a sounding board/advice

I'd also think about whether you want to use a single brokerage firm with all assets held by one custodian.
by Electron
Sat Sep 03, 2016 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Core Bond Fund
Replies: 51
Views: 4680

Re: Vanguard Core Bond Fund

Here is a Morningstar chart showing the performance of VCORX relative to VBMFX starting on 3-28-16. http://quotes.morningstar.com/chart/fund/chart?t=VCORX&region=usa&culture=en-US&dataParams=%7B%22zoomKey%22%3A11%2C%22version%22%3A%22US%22%2C%22showNav%22%3Atrue%2C%22defaultShowName%22%3...
by Electron
Sun Aug 28, 2016 4:08 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth Article on "Under the radar tax benefit for muni bond funds"
Replies: 24
Views: 3288

Re: Allan Roth Article on "Under the radar tax benefit for muni bond funds"

I think the key factor is that some erosion in NAV will occur over time in a bond fund holding a significant percentage of premium bonds. In recent years that effect has often been masked by a continued rise in bond rises and the trend toward lower interest rates. Here is an article stating that bon...
by Electron
Sat Aug 27, 2016 2:42 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless - Selecting a Smartphone
Replies: 46
Views: 3194

Re: Cricket Wireless - Selecting a Smartphone

How is the sound quality on calls through the earpiece? How is the battery life so far? The sound quality is excellent using the dual front speakers with JBL audio. I have not tried any headphones yet and hope to pick up a pair soon. The battery life seems quite good and that has been mentioned in ...
by Electron
Thu Aug 25, 2016 4:28 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless - Selecting a Smartphone
Replies: 46
Views: 3194

Re: Cricket Wireless - Selecting a Smartphone

Here is an update on this thread. I purchased the Alcatel Idol 3 through Cricket Wireless and have been very happy with it. Imagine experiencing this level of technology for your first cell phone. The phone continued to prompt me to do a system update labeled 5.02 010 05. I didn't know what to expec...
by Electron
Sat Aug 20, 2016 2:40 pm
Forum: Personal Consumer Issues
Topic: Gmail, Two POP Clients, Smartphone, Gmail Recent Mode
Replies: 12
Views: 1107

Re: Gmail, Two POP Clients, Smartphone, Gmail Recent Mode

Here's an update on this thread. I enabled Gmail Recent Mode in Thunderbird on my Windows 7 PC and it worked exactly as expected. To really understand how POP3 worked, I learned how to capture my POP3 log and also read the contents of a file called popstate.dat. That is a good learning experience if...
by Electron
Tue Aug 09, 2016 3:07 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless - Selecting a Smartphone
Replies: 46
Views: 3194

Re: Cricket Wireless - Selecting a Smartphone

Cricket's prices go up and down, so if you have time, you can snag a great deal (my last Moto G LTE was $25 after rebate, when I first tried Cricket) I've noticed the sales and right now the Lumia 650 is priced at $49.99. The Galaxy Grand Prime seems to have been replaced by the Galaxy Amp Prime at...
by Electron
Tue Aug 09, 2016 1:45 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless - Selecting a Smartphone
Replies: 46
Views: 3194

Re: Cricket Wireless - Selecting a Smartphone

I think the need for user replaceable batteries is largely overstated...except maybe by Pokemon Go players. A charger is rarely never within arms reach, and even with user replaceable batteries it's a pain to take off the case, take off the back panel, and swap batteries, particularly because you c...
by Electron
Tue Aug 09, 2016 12:23 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless - Selecting a Smartphone
Replies: 46
Views: 3194

Re: Cricket Wireless - Selecting a Smartphone

Idol 3 is $150 at bestbuy right now. $50 cheaper than buying from cricket, and has marshmallow. The Alcatel Idol 3 has been selling for $139.99 on the Cricket website. It comes with Android 5.0 (Lollipop) while the Idol 4 shown on the same site does come with Android 6.0 (Marshmallow). I read that ...
by Electron
Sun Aug 07, 2016 12:58 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless - Selecting a Smartphone
Replies: 46
Views: 3194

Re: Cricket Wireless - Selecting a Smartphone

Thanks all for the additional information. A Google search turned up several articles on the best phones for Cricket Wireless. It is really too much information to process. Here is a fairly recent article with the Alcatel Onetouch Idol 3 and Samsung Galaxy Amp Prime fairly high in the rankings. http...
by Electron
Thu Aug 04, 2016 2:44 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless - Selecting a Smartphone
Replies: 46
Views: 3194

Re: Cricket Wireless - Selecting a Smartphone

Thanks all for the help and information. I'll take a look at buying the phone separately. I assume that a SIM card is sent after I purchase a plan. It's not clear whether a Universal SIM Card Kit is also required. Is anyone accessing Gmail using the POP Server with Gmail Recent Mode enabled? Recent ...
by Electron
Thu Aug 04, 2016 12:01 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless - Selecting a Smartphone
Replies: 46
Views: 3194

Cricket Wireless - Selecting a Smartphone

I'd appreciate any recommendations on a Smartphone for use with Cricket Wireless. This would be for light use and initially limited to Phone, Internet, and Camera. The price can be somewhere in the middle of the range. Here is the selection on the Cricket website. The offerings change quite often. h...
by Electron
Fri Jul 29, 2016 1:00 pm
Forum: Personal Consumer Issues
Topic: Gmail, Two POP Clients, Smartphone, Gmail Recent Mode
Replies: 12
Views: 1107

Re: Gmail, Two POP Clients, Smartphone, Gmail Recent Mode

Probably distinguishes using the MAC address. It turns out that Gmail does not distinguish one email client from another. When using Gmail Recent Mode, the Gmail Server provides a list of all messages received within the last 30 days. Each email client then determines which messages are new and dow...
by Electron
Thu Jul 28, 2016 2:30 pm
Forum: Personal Consumer Issues
Topic: Gmail, Two POP Clients, Smartphone, Gmail Recent Mode
Replies: 12
Views: 1107

Re: Gmail, Two POP Clients, Smartphone, Gmail Recent Mode

What specific requirement do you have that make Thunderbird your preferred desktop client? I have been using Thunderbird for over ten years and would like to stay with it. All email that I have saved is stored in various folders and Thunderbird provides an excellent search tool for access. The link...
by Electron
Tue Jul 26, 2016 3:35 pm
Forum: Personal Consumer Issues
Topic: Gmail, Two POP Clients, Smartphone, Gmail Recent Mode
Replies: 12
Views: 1107

Re: Gmail, Two POP Clients, Smartphone, Gmail Recent Mode

Thanks all for the replies. Gmail does provide a setting to leave email on the server when using the POP server. I manually delete unwanted emails later as necessary using the web interface. Gmail must store information on which emails have already been downloaded. I found two good information pages...
by Electron
Tue Jul 26, 2016 12:21 pm
Forum: Personal Consumer Issues
Topic: Gmail, Two POP Clients, Smartphone, Gmail Recent Mode
Replies: 12
Views: 1107

Gmail, Two POP Clients, Smartphone, Gmail Recent Mode

I've been using the Thunderbird email client on my computer for years and downloading all email onto disk. The Gmail POP server is used and all messages are initially retained on the Gmail server. If I add a Smartphone as a second POP Client, will new messages go to one client or the other but not b...
by Electron
Wed Jul 13, 2016 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy for conversion of $1.8 million IRA
Replies: 63
Views: 6459

Re: Strategy for conversion of $1.8 million IRA

Scenario - Equity asset market downturn of % X. (Think 2008-2009, when you were looking at a 50% off sale). During this period very aggressively convert fixed income assets in an IRA to equity assets in Roth. This is essentially waiting for a "sale" in equity assets to aggressively conver...
by Electron
Wed Jul 13, 2016 12:44 pm
Forum: Personal Consumer Issues
Topic: Windows 7 updates for broker fraud protection
Replies: 28
Views: 2324

Re: Windows 7 updates for broker fraud protection

I still think Micro$oft is trying to force Win7 users to adopt Win10 and I fully expect to have more problems updating my systems in the future. If you would like to remove the Get Windows 10 Icon located in the system tray, try an Internet Search on KB3035583. That update can be uninstalled and hi...
by Electron
Wed Jul 13, 2016 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy for conversion of $1.8 million IRA
Replies: 63
Views: 6459

Re: Strategy for conversion of $1.8 million IRA

In pre SS and RMD environment, which for me is the next 8 years - Minimize taxable income in lower brackets by getting rid of (selling off) taxable interest and non-qualified dividends in accounts. Focus on maximizing tax efficiency and do opportunistic conversions and harvesting of capital gains w...
by Electron
Tue Jul 12, 2016 2:51 pm
Forum: Personal Consumer Issues
Topic: Windows 7 updates for broker fraud protection
Replies: 28
Views: 2324

Re: Windows 7 updates for broker fraud protection

A very recent Microsoft Update (KB3161608) adds some improvements to the Windows Update Client. I installed it on June 21. https://support.microsoft.com/en-us/kb/3161608 The update includes several other updates including the one below. https://support.microsoft.com/en-us/kb/3161647 Here is the pert...
by Electron
Tue Jul 12, 2016 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy for conversion of $1.8 million IRA
Replies: 63
Views: 6459

Re: Strategy for conversion of $1.8 million IRA

Here are two considerations that aren't mentioned quite as frequently. If there is any chance you would move to a higher tax state in the future, there might be an advantage in doing any Roth Conversions before moving. Another situation involves the high income surcharge on Medicare Part B and Part ...
by Electron
Mon Jul 11, 2016 12:23 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Intermediate Term Tax Exempt - Zero Coupon Bonds
Replies: 11
Views: 1175

Re: Vanguard Intermediate Term Tax Exempt - Zero Coupon Bonds

Zero coupon bonds have an interest rate and just as coupon bonds will go up in price as interest rates fall, so will zero coupon bonds. If the difference between the zero coupon bond's interest rate and current rates is large enough, the bond's market value can climb above face. Wouldn't that condi...
by Electron
Sat Jul 09, 2016 5:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Intermediate Term Tax Exempt - Zero Coupon Bonds
Replies: 11
Views: 1175

Re: Vanguard Intermediate Term Tax Exempt - Zero Coupon Bonds

Another surprise in the Vanguard Semiannual Report is that the majority of bonds in several portfolios all have a 5.000% coupon. I'll guess that the issuers for many years had all the paperwork in place for the 5% bond and simply issued it at a premium or discount as dictated by current interest rat...
by Electron
Sat Jul 09, 2016 3:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Intermediate Term Tax Exempt - Zero Coupon Bonds
Replies: 11
Views: 1175

Re: Vanguard Intermediate Term Tax Exempt - Zero Coupon Bonds

Thanks ogd and Geologist for your replies. In the case of taxable zero coupon bond funds, taxes must be paid on imputed interest even though it is not paid out. I believe cost basis is then increased by the amount of the imputed interest. American Century has a number of these funds. Since states ma...
by Electron
Sat Jul 09, 2016 1:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Intermediate Term Tax Exempt - Zero Coupon Bonds
Replies: 11
Views: 1175

Vanguard Intermediate Term Tax Exempt - Zero Coupon Bonds

The latest Semiannual Report for Vanguard Intermediate Term Tax Exempt Fund shows quite a few zero coupon bonds in the portfolio. Here are a few examples: Beverly Hills California Unified School District GO, 0.000%, 8-01-28, $5M Face Amount, $3.744M Market Value Cerritos California Community College...
by Electron
Thu Jul 07, 2016 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: $400,000 Roth Conversions Between Ages 66-69?
Replies: 109
Views: 11546

Re: $400,000 Roth Conversions Between Ages 66-69?

Here is another article from Michael Kitces that is worth reading. https://www.kitces.com/blog/why-a-roth-conversion-may-be-a-bad-idea-even-if-taxes-are-higher-in-the-future/ One issue is that marginal tax rates may change in the future. Tax reform may actually lower marginal tax rates by widening t...
by Electron
Wed Jul 06, 2016 12:37 pm
Forum: Personal Consumer Issues
Topic: My Excel is 9 yrs old(2007). Update??
Replies: 28
Views: 2062

Re: My Excel is 9 yrs old(2007). Update??

I've used Excel 5, Excel 2003, and Excel 2013. It takes some time to become proficient with the Ribbon in Excel 2013. However, once you are past the learning curve it seems to work very well. A lot of functions can be done with a right click of the mouse. I liked the charting in Excel 2003 much bett...
by Electron
Tue Jun 28, 2016 4:44 pm
Forum: Investing - Theory, News & General
Topic: limiting Cap Gains - with ETFs ?
Replies: 17
Views: 1323

Re: limiting Cap Gains - with ETFs ?

Distributions will be smaller or even eliminated in a declining market It's actually not an issue that capital gains distributions can decrease or even be eliminated in down markets. Spending capital gains distributions is essentially the same as selling shares and taking capital from any equity fu...
by Electron
Tue Jun 28, 2016 1:23 pm
Forum: Investing - Theory, News & General
Topic: limiting Cap Gains - with ETFs ?
Replies: 17
Views: 1323

Re: limiting Cap Gains - with ETFs ?

The investment philosophy generally recommended on this board is to use low cost Index funds. Stock index funds such as Vanguard Total Stock Market Index Fund and Vanguard 500 Index Fund avoid capital gains distributions entirely in normal markets. Don't forget that Index funds of this type by defin...
by Electron
Mon Jun 27, 2016 2:28 pm
Forum: Investing - Theory, News & General
Topic: limiting Cap Gains - with ETFs ?
Replies: 17
Views: 1323

Re: limiting Cap Gains - with ETFs ?

I think the issue is whether you can restructure your investments for better tax efficiency. Think about how your tax return would look if taxable investments generated only qualified dividends, tax exempt income, minimal capital gains, and minimal ordinary income. See if you could take advantage of...
by Electron
Sun Jun 26, 2016 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Comparing corporate bonds with tax-exempt munis
Replies: 10
Views: 889

Re: Comparing corporate bonds with tax-exempt munis

It's also worth viewing how different funds performed in 2008. http://quotes.morningstar.com/chart/fund/chart?t=VBMFX&region=usa&culture=en_US&dataParams=%7B%22zoomKey%22%3A9%2C%22version%22%3A%22US%22%2C%22showNav%22%3Atrue%2C%22defaultShowName%22%3A%22name%22%2C%22mainSettingId%22%3A%2...
by Electron
Sun Jun 26, 2016 3:23 pm
Forum: Investing - Theory, News & General
Topic: Tax Diversification
Replies: 14
Views: 795

Re: Tax Diversification

One issue is that marginal tax rates may change in the future. Tax reform may actually lower marginal tax rates by widening the tax base. That will make it more difficult to evaluate a Traditional IRA versus a Roth Conversion. https://www.kitces.com/blog/why-a-roth-conversion-may-be-a-bad-idea-even-...
by Electron
Fri Jun 24, 2016 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds - Tot Bond vs LT Corp vs Wellesley vs CD
Replies: 21
Views: 1980

Re: Bonds - Tot Bond vs LT Corp vs Wellesley vs CD

If taxes have been a concern, I would review recent tax returns and determine your marginal tax rate for ordinary income. Funds such as Wellesley Income, Long Term Corporate, Total International Bond, and Total Bond Market all generate ordinary income. W‌indsor fund tends to have high portfolio turn...
by Electron
Fri Jun 24, 2016 12:24 am
Forum: Investing - Theory, News & General
Topic: limiting Cap Gains - with ETFs ?
Replies: 17
Views: 1323

Re: limiting Cap Gains - with ETFs ?

I was in a similar situation recently and sold two actively managed funds that consistently paid out large distributions. Both funds had high portfolio turnover. Review all of your taxable funds on Morningstar and note portfolio turnover and the size and type of recent capital gains distributions. C...
by Electron
Mon Jun 13, 2016 3:14 pm
Forum: Investing - Theory, News & General
Topic: Non-linear Tax Code and Roth vs Traditional IRA
Replies: 57
Views: 4490

Re: Non-linear Tax Code and Roth vs Traditional IRA

Dave - Thanks for the analysis. I think we are discussing two somewhat different situations. Take the case of someone who is considering doing a Roth Conversion and has extra money available to invest. They either cannot contribute to an IRA or have extra money available after making maximum contrib...
by Electron
Sun Jun 12, 2016 2:00 pm
Forum: Investing - Theory, News & General
Topic: Non-linear Tax Code and Roth vs Traditional IRA
Replies: 57
Views: 4490

Re: Non-linear Tax Code and Roth vs Traditional IRA

There just aren't any cases where I can think a Taxable account is going to win over either a tax advantaged TIRA or a Roth. At best you could break even compared to the Roth if all your gains were in the zero tax bracket. Dave - My discussion was not about a taxable account as an alternative to a ...
by Electron
Sat Jun 11, 2016 1:17 pm
Forum: Investing - Theory, News & General
Topic: Utility Stocks - Why doing so well?
Replies: 21
Views: 2426

Re: Utility Stocks - Why doing so well?

Yes, but not before they completely omitted the dividend in 1974. That was a HUGE wakeup call to those who thought ConEd was a true widows and orphans stock. I see that Consolidated Edison did omit one quarterly dividend in April 1974 but there is an interesting story behind it. The decision was re...
by Electron
Thu Jun 09, 2016 1:39 pm
Forum: Investing - Theory, News & General
Topic: Utility Stocks - Why doing so well?
Replies: 21
Views: 2426

Re: Utility Stocks - Why doing so well?

The demand for relatively safe income is high with low interest rates in the United States, negative interest rates in Europe, and concerns about a global slowdown. Dividend income is in demand especially if a company has a history of dividend increases. The utility sector has had problems in the pa...
by Electron
Sun Jun 05, 2016 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of dumping REIT - thoughts?
Replies: 20
Views: 2229

Re: Thinking of dumping REIT - thoughts?

In September Standard & Poor's will be creating a new real estate sector within its classification system.

http://www.reuters.com/article/usa-stoc ... SL2N16O1IL

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