Search found 3330 matches

by dratkinson
Wed May 25, 2016 1:39 am
Forum: Investing - Help with Personal Investments
Topic: New wannabe BH looking to finalize plans
Replies: 22
Views: 1513

Re: New wannabe BH looking to finalize plans

... or did I complicate something simple? You're making this harder than it needs to be. Why? Because the average of two numbers that are the same will always be that same number. So you don't really need to slice and dice it smaller than that. If 25% of your total portfolio (the TDR funds that Van...
by dratkinson
Tue May 24, 2016 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: New wannabe BH looking to finalize plans
Replies: 22
Views: 1513

Re: New wannabe BH looking to finalize plans

BH New wannabe BH looking to finalize plans Thanks for the detailed responses. Dr. Atkinson a few questions d.r.a, not dr.a. TLHing. TLHing is done only in a taxable account. The TDR funds in your TA space will not interfere with TLHing---another reason to select them. You would only need to watch d...
by dratkinson
Tue May 24, 2016 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Advice on Wife's Credit
Replies: 21
Views: 2039

Re: Advice on Wife's Credit

First, investigate the charge off. It could be a mistake.

Second, if bill belongs to your wife, then pay it. If not, then contest it and get it removed.


I believe using creditors' ABP (automatic bill payment) plans help me avoid missing a payment due date.
by dratkinson
Tue May 24, 2016 9:51 am
Forum: Investing - Help with Personal Investments
Topic: New wannabe BH looking to finalize plans
Replies: 22
Views: 1513

Re: New wannabe BH looking to finalize plans

BH New wannabe BH looking to finalize plans Even though it adds some complexity would it make sense to hold a tax exempt bond fund in my taxable account to therefore be able to rebalance more easily because otherwise my bond funds are in IRA's that Im no longer contributing to and my 401k does not h...
by dratkinson
Sun May 22, 2016 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Help! Tax-efficiency mistake!
Replies: 13
Views: 1287

Re: Help! Tax-efficiency mistake!

Option. TBM in taxable is the 15% bracket is not bad... uncle sugar only takes 15% (plus a little more by his nephews at state)... so no worse than what is happening to your savings account interest. So can continue with TBM in taxable space while in the 15% tax bracket. Option. Can move your bonds ...
by dratkinson
Fri May 20, 2016 2:15 pm
Forum: Personal Consumer Issues
Topic: Making an Outdoor Grill Last
Replies: 39
Views: 3016

Re: Making an Outdoor Grill Last

Idea: replacement firebox. If you like your existing grill, want to keep it, and a thorough inspect proves the remainder of it to be structurally sound, then can pay a sheet metal shop to build you a replacement part out of something that does not rust: sheet aluminum, stainless steel,....
by dratkinson
Thu May 19, 2016 6:45 pm
Forum: Personal Consumer Issues
Topic: Making an Outdoor Grill Last
Replies: 39
Views: 3016

Re: Making an Outdoor Grill Last

Get a http://www.pkgrills.com PK Grill. My father's is going on 50 with the only maintenance being a single replacement of the grate inside. It's been kept outside its entire "life." My version is only 12 but without showing signs of degradation. They are made in the US and last I checked...
by dratkinson
Thu May 19, 2016 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Never-ending Taxable Bond Dilemma
Replies: 24
Views: 2816

Re: Never-ending Taxable Bond Dilemma

BH Never-ending Taxable Bond Dilemma I’m concerned more about dividends than price stability. I first bought VWITX and VWLTX in ~2008. Knew VWLTX went against mainstream BH advice, but was allowed by Thau (duration <=10 years). I worried a little so have looked for warning signs since. My infrequent...
by dratkinson
Tue May 17, 2016 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring at end of year, our portfolio needs help.
Replies: 22
Views: 3066

Re: Retiring at end of year, our portfolio needs help.

^^^ You're in luck. One of the senior investors has a current forum topic soliciting updates to a Wiki topic discussing 25-28% Roth conversions. Search forum for topic. Follow forum topic link to Wiki topic. Read Wiki topic. Read forum topic for discussed changes. My gut reaction is, "If doing ...
by dratkinson
Mon May 16, 2016 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: First Time Post - Portfolio Review
Replies: 5
Views: 666

Re: First Time Post - Portfolio Review

Recommended short-term savings: goal horizons and vehicles. 0-5 years: insured saving, CDs, money market account, or US savings bonds (1-year lockout, annual purchase limit). 5-10 years: safe bond funds/ETFs. >10 years: safe stock funds/ETFs. With your EF and saving for short-term goals, you care m...
by dratkinson
Mon May 16, 2016 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring at end of year, our portfolio needs help.
Replies: 22
Views: 3066

Re: Retiring at end of year, our portfolio needs help.

BH Retiring at end of year, our portfolio needs help. Additional ideas. Would be wise to double-check each as my recall of what I’ve read here is faulty. This year, before retirement, while still in a higher tax bracket…. Option to increase tax bracket headroom and clean up taxable account. Can give...
by dratkinson
Sun May 15, 2016 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring at end of year, our portfolio needs help.
Replies: 22
Views: 3066

Re: Retiring at end of year, our portfolio needs help.

BH Retiring at end of year, our portfolio needs help. General advice. 5% rule of thumb. Don't own anything that is less than 5% of your total portfolio. Why? It neither helps nor hurts that much, yet requires as much time to manage as your more valuable contributors. Recommended long-term retirement...
by dratkinson
Sun May 15, 2016 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: First Time Post - Portfolio Review
Replies: 5
Views: 666

Re: First Time Post - Portfolio Review

BH First Time Post - Portfolio Review +1 for ruralavalon's suggestions. Shoot for the moon. The concept of holding only equities in tax-advantaged space, munis (and equities) in taxable space, is called "shoot for the moon in tax-advantaged". If memory serves, one sentence is devoted to it...
by dratkinson
Sat May 14, 2016 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you stand on the age old debates?
Replies: 19
Views: 1922

Re: Where do you stand on the age old debates?

Where do I stand on age old (last 60 year?) debates? If they fit my situation, then I use them? If not, then not. Example. Avoiding bonds when young may be okay, but not recommended. Tilting equities when young may be okay. But when we transition to our retirement portfolio (40/60, 30/70,...), if th...
by dratkinson
Sat May 14, 2016 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Never-ending Taxable Bond Dilemma
Replies: 24
Views: 2816

Re: Never-ending Taxable Bond Dilemma

BH Never-ending Taxable Bond Dilemma Third option: LT national muni fund Intermediate Muni (VWIUX) Duration: 4.8 Yrs SEC Yield: 1.41% TEY = 1.41 / .75 = 1.88% Distribution Yield: 2.8% Total Bond (VBTLX) Duration: 5.7 Yrs SEC Yield: 2.06% Distribution Yield: 2.47% Long term muni (VWLUX) Duration: 6-1...
by dratkinson
Thu May 12, 2016 4:08 am
Forum: Investing - Theory, News & General
Topic: Taxable Account - Bonds - Diversification vs. Tax
Replies: 47
Views: 5662

Re: Taxable Account - Bonds - Diversification vs. Tax

... Here's a ten year price chart for Vanguard Intermediate Term Treasury and Intermediate Tax Exempt. How many people would have preferred tax exempt in a '08? ... Actually I owned both in '08 (was mistaken above when I recalled owning ST treasuries). I didn't know it then but I came to prefer VWI...
by dratkinson
Wed May 11, 2016 1:14 am
Forum: Personal Consumer Issues
Topic: Is a home disaster looming? sump pump running constantly please help!
Replies: 46
Views: 4172

Re: Is a home disaster looming? sump pump running constantly please help!

Recall ACE use to sell a roll of "sump pump hose" (flexible, ~25', ~2" diameter). Could probably connect to your existing PVC drain with PVC nipple and hose clamp. (Tell the ACE folks what you have/need to do, and they can suggest connection method.) Length should be long enough to ge...
by dratkinson
Wed May 11, 2016 12:42 am
Forum: Personal Consumer Issues
Topic: 30 minute commute?
Replies: 80
Views: 6873

Re: 30 minute commute?

Idea. A recent topic discussed safety features on newer vehicles (Subaru eyesight,...): dynamic cruse control, lane departure warning, lane hold, automatic braking,.... Owners reported that commuting was now much less stressful. Would seem to be a worthwhile purchase if you believe you might be dist...
by dratkinson
Wed May 11, 2016 12:27 am
Forum: Investing - Theory, News & General
Topic: Why are state-specific bond funds often long?
Replies: 22
Views: 2492

Re: Why are state-specific bond funds often long?

Data point.

Search for (Forbes?) article on "death spiral states". See where MD ranks.
by dratkinson
Tue May 10, 2016 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: 23 year old - needs Boglehead Infrastructure Wisdom
Replies: 25
Views: 2239

Re: 23 year old - needs Boglehead Infrastructure Wisdom

^^^ Sounds like a good plan. Congratulations on your reasoned, early start. I notice your above would make a decent first draft of an IPS (investment policy statement). If you have not already done so, suggest creating a personal IPS. Why? To document "how you will invest" and "why&qu...
by dratkinson
Mon May 09, 2016 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Scenarios for Retirement
Replies: 16
Views: 2294

Re: Tax Scenarios for Retirement

I've used excel1040.com to run tax scenarios. Didn't seem to be that difficult: enter current tax data (easy to do, copy from existing tax return) to create a known baseline, then make changes. As Excel has a Scenario Manager, can use that. But I found it easier to enter a new sheet (after Sch B) to...
by dratkinson
Mon May 09, 2016 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable retirement investing
Replies: 19
Views: 1531

Re: Taxable retirement investing

I'm a visual learner and find the "income stacking" concept helpful in understanding how taxation is applied. See: http://thefinancebuff.com/fiscal-cliff-deal-and-dividends-and-capital-gains.html http://lh6.googleusercontent.com/-eK-fA0GC3Yo/UOTWUKixvsI/AAAAAAAAApM/61z7DhLpbG4/s640/qualifi...
by dratkinson
Mon May 09, 2016 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Eligibility Question
Replies: 2
Views: 211

Re: IRA Eligibility Question

--There is no income limit to contribute to a traditional IRA. --There is no income limit to convert a tIRA to a Roth IRA. That stepwise operation (tIRA --> rIRA) is called a backdoor Roth. Note you will pay tax on the conversion. See: https://www.bogleheads.org/wiki/Backdoor_Roth_IRA Note. If you h...
by dratkinson
Sun May 08, 2016 4:41 am
Forum: Investing - Theory, News & General
Topic: Taxable Account - Bonds - Diversification vs. Tax
Replies: 47
Views: 5662

Re: Taxable Account - Bonds - Diversification vs. Tax

... at what point is the line in the sand crossed where bond diversification is more important than tax efficiency. Should an investor consider say Treasuries or Total Bond Index rather than Tax Exempt bonds? ... For me* the line is crossed based on the basis point difference between the muni and t...
by dratkinson
Sat May 07, 2016 3:56 am
Forum: Investing - Help with Personal Investments
Topic: New senior investor
Replies: 17
Views: 2159

Re: New senior investor

... Vanguard has a Personal Advisor Service, 0.3%/year, if you want someone to handle everything for you: cheap, reliable, they won't try to sell you something expensive. Otherwise the 3 funds, or a single balanced fund might work fine. There are several 40/60 funds. How much of your expenses are c...
by dratkinson
Fri May 06, 2016 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: How to spend a windfall/inheritance. Help please.
Replies: 10
Views: 1421

Re: How to spend a windfall/inheritance. Help please.

An alternative opinion. I believe you should defer this question to your retired selves. What is best for them? Answer: maximize your annual TA (tax-advantaged) space. (Can also consider contributing to taxable* investing, but that may be a step too far.) Plan for the worst#, hope for the best, cash...
by dratkinson
Wed May 04, 2016 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Help rebalancing my sepp fund and retirement planning
Replies: 6
Views: 503

Re: Help rebalancing my sepp fund and retirement planning

Preferred investing order. --SEPP --Your IRA ($5.5K) --Spousal IRA ($5.5K) --Taxable-account investing. If you have more to invest after maximizing all annual TA (tax-advantaged) space. Note. You are currently in the 25% fed tax bracket and if you expect to retire in the same tax bracket, then no r...
by dratkinson
Tue May 03, 2016 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Thank yous and Moving money from taxable to tax deferred
Replies: 14
Views: 1568

Re: Thanks yous and Moving money from taxable to tax deferred

... Desired Asset allocation: Stocks 65% (40% US, 25% Intl), Bonds 35% ... The money in our 403b are in Total US stock market, Global Ex US, and Total Bond and balances out our entire portfolio to be 65% stocks, 35% bonds His and Her 403b Fidelity 65% We just started contributing to our Roth IRA la...
by dratkinson
Mon May 02, 2016 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Thank yous and Moving money from taxable to tax deferred
Replies: 14
Views: 1568

Re: Thanks yous and Moving money from taxable to tax deferred

Marginal tax rate = the tax paid on the last dollar you earn. See "2015 Tax Rate Schedules", page 102 of 1040 instructions. (Can download it as a PDF from the IRS if you don't have a paper copy. Google "2015 1040 instructions", no quotes, to find online.) Can also see some more c...
by dratkinson
Mon May 02, 2016 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Muni Funds ?
Replies: 11
Views: 1027

Re: TLH Muni Funds ?

... While one can argue about the sensibility of the 6 Month Rule (but not in this forum), you can see the rationale for it. A speculator looking for a free lumch buys $100K of a high-yield muni fund a day before ex-dividend, and sells afterwards. He gets all of his money back (plus or minus small ...
by dratkinson
Mon May 02, 2016 4:12 am
Forum: Investing - Help with Personal Investments
Topic: Thank yous and Moving money from taxable to tax deferred
Replies: 14
Views: 1568

Re: Thanks yous and Moving money from taxable to tax deferred

My first post was back in January and since then I have been reading and learning more than I ever imagined. Thank you to everyone who posts on these forums! https://www.bogleheads.org/forum/viewtopic.php?f=1&t=183310&p=2783455#p2783455 Emergency funds: We have this Debt: mortgage $250k 3.6...
by dratkinson
Mon May 02, 2016 3:11 am
Forum: Investing - Theory, News & General
Topic: Requested state tax refund DD received as check---ID theft prevention measure.
Replies: 2
Views: 309

Requested state tax refund DD received as check---ID theft prevention measure.

Data point. This year, after reading posts saying there was no reason not to, decided to DD my tax refunds. (No longer playing paper I bond refund game.) Fed DD received. But state’s received as mailed check. Accompanying letter said CO was worried about identity theft so sent check… and provided in...
by dratkinson
Mon May 02, 2016 2:57 am
Forum: Investing - Help with Personal Investments
Topic: TLH Muni Funds ?
Replies: 11
Views: 1027

Re: TLH Muni Funds ?

Are Vanguard muni funds exempt from the 6 month rule? This was discussed a while back and the answer given was, "Yes." The reason being given in example #1, here: http://www.fairmark.com/capgain/wash/wsreplac.htm No, the link you provided refers to the wash sale rule. This issue - the six...
by dratkinson
Sun May 01, 2016 12:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Limited-Term Tax-Exempt Fund > Ally Bank?
Replies: 12
Views: 1251

Re: Vanguard Limited-Term Tax-Exempt Fund > Ally Bank?

Several years ago, I followed forum's option to use VMLTX as a tier of my EF. (Ignored VWSTX (ST muni) option because yield just too low.) But emergency didn't come (knock wood) and VMLTX continued to grow from additional contributions. Until day came when I had enough that a small price fluctuation...
by dratkinson
Sun May 01, 2016 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Muni Funds ?
Replies: 11
Views: 1027

Re: TLH Muni Funds ?

BolderBoy wrote:
VA_Gent wrote:Are Vanguard muni funds exempt from the 6 month rule?

This was discussed a while back and the answer given was, "Yes."


The reason being given in example #1, here: http://www.fairmark.com/capgain/wash/wsreplac.htm
by dratkinson
Fri Apr 29, 2016 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: 23 year old - needs Boglehead Infrastructure Wisdom
Replies: 25
Views: 2239

Re: 23 year old - needs Boglehead Infrastructure Wisdom

BH 23 year old – needs BH infrastructure wisdom ... TBH - I've been trying to find what Jack would suggests for an ETF portfolio, and in this video below, he suggest some options around 1:10, those being: 500, total market, total bond, total international, emerging market (to my/everyone's surprise?...
by dratkinson
Thu Apr 28, 2016 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: 23 year old - needs Boglehead Infrastructure Wisdom
Replies: 25
Views: 2239

Re: 23 year old - needs Boglehead Infrastructure Wisdom

... Here's what I'm looking at: VTI 50% VXUS 20% BND 20% VWO 10% ... If your intention is to overweight EM (emerging markets) then go for it. Just noticing that you had not previously stated overweighting EM as a goal. Why? Because VXUS contains an EM component. See: http://www.morningstar.com/etfs...
by dratkinson
Wed Apr 27, 2016 11:44 pm
Forum: Investing - Help with Personal Investments
Topic: 23 year old - needs Boglehead Infrastructure Wisdom
Replies: 25
Views: 2239

Re: 23 year old - needs Boglehead Infrastructure Wisdom

BH 23 year old – needs BH infrastructure wisdom ... I already opened a VBS rIRA. When you say split the TDF fund, is this selling it the $9K TDF and buying TSM, TISM, TBM,or is there some method that VBS does that makes this an easy transition? Yes. You call Vanguard, tell them to sell TDF, and to s...
by dratkinson
Tue Apr 26, 2016 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: 3.5M taxable bonds
Replies: 39
Views: 4218

Re: 3.5M taxable bonds

BH 3.5M taxable bonds I think diversity will in fact help me sleep better at night. When in doubt, go 50/50!! So, 50/50 between intermediate tax exempt and total bond market. Note you are in 28% fed tax bracket. Compute your taxable-equivalent yields. VWIUX: 1.66/.72 (SEC yield/1-fed tax bracket) = ...
by dratkinson
Tue Apr 26, 2016 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: 23 year old - needs Boglehead Infrastructure Wisdom
Replies: 25
Views: 2239

Re: 23 year old - needs Boglehead Infrastructure Wisdom

BH 23 year old – needs BH infrastructure wisdom Forgot to include in above. Preferred investing order (generic). --Employers' 401k/403b/457... to get the full employer's match. It's free money. --Personal IRA. ($5.5K) Best options. Roth is preferred (tax-free growth/withdrawals), but traditional is ...
by dratkinson
Mon Apr 25, 2016 8:55 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 206
Views: 20652

Re: Soapbox (car safety features)

Reactive armor. I recall modern battlefield tanks use reactive armor (replaceable plates containing explosive) to destroy an incoming projectile before it can damage the tank. Expended plates must be replaced after use, but cheaper than replacing tank. See: https://en.wikipedia.org/wiki/Reactive_arm...
by dratkinson
Mon Apr 25, 2016 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: 3.5M taxable bonds
Replies: 39
Views: 4218

Re: 3.5M taxable bonds

I read you linked topic. Your taxable plan (TSM, TISM, IT muni) sounds good to me. When do you need to withdraw your muni principle? If not within 5-10 years then I would not worry about it. Do you have any better use for the principle? If not, then I would not worry about it. Price stability. I not...
by dratkinson
Sun Apr 24, 2016 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: How would you recommend I invest $500k to generate maximum monthly income with relatively low risk?
Replies: 24
Views: 3772

Re: How would you recommend I invest $500k to generate maximum monthly income with relatively low risk?

SPIA. An SPIA sounds good for generating monthly income during your lifetime, but the insurance company keeps the principle after payments stop. Do you want to turn the principle over to an insurance company, or do you prefer to pass it on to your heirs/charity? On the other hand, as mentioned abov...
by dratkinson
Sat Apr 23, 2016 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: 23 year old - needs Boglehead Infrastructure Wisdom
Replies: 25
Views: 2239

Re: 23 year old - needs Boglehead Infrastructure Wisdom

Take home Income after 401K: $2,470 Expenses: $1,730 (Salary $42.5K/year) In everything below I look at this from the perspective of your retired self. What is best for your retired self? The Roth IRA is the holy grail* of investment accounts: tax-free growth/withdrawals and no RMDs. Should you giv...
by dratkinson
Fri Apr 22, 2016 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Hi Guys...
Replies: 8
Views: 1814

Re: Hi Guys...

... dratkinson, ... Right now I have most of my IRA in Vanguard Target Retirement 2045, but I want to split it into the basic component parts and get admiral shares so I can save on ER. I believe splitting a TDR (target date retirement) fund into individual components, for lower expenses, is a vali...
by dratkinson
Thu Apr 21, 2016 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Hi Guys...
Replies: 8
Views: 1814

Re: Hi Guys...

I find simple actions steps work best for me. To that end.... Preferred investing order (generic). --Employers' 401k/403b/457... to get the full employer's match. It's free money. --Personal IRA. ($5.5K) Best options. Roth is preferred (tax-free growth/withdrawals), but traditional is tax deductible...
by dratkinson
Thu Apr 21, 2016 5:00 pm
Forum: Investing - Theory, News & General
Topic: Bond Fund Strategy?
Replies: 26
Views: 3013

Re: Bond Fund Strategy?

I will probably be retiring in the next few years ... I am looking for some advice on allocation within the bond category. ... Would appreciate any suggestions, one way or another with some logic to back it up. ... More information is required to give a better answer. What are your fed/state tax br...
by dratkinson
Wed Apr 20, 2016 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: First Time Portfolio Review, Please
Replies: 8
Views: 765

Re: First Time Portfolio Review, Please

Specific advice. Current Non-Retirement Assets (at least as of now) Taxable: 3% cash 7% Vanguard Total Stock Market Index Investor Shares (VTSMX) .17% 3% Vanguard FTSE Social Index Fund Investor Shares (VFTSX) .25% 7% Vanguard Health Care Fund Investor Shares (VGHCX) .34% Non-Taxable: 24% I Bonds So...
by dratkinson
Tue Apr 19, 2016 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: How Did You File Your Income Taxes for 2015?
Replies: 101
Views: 4784

Re: How Did You File Your Income Taxes for 2015?

The queues at the post office are small now thanks to all those of you using eFile :D You had a queue? This afternoon I had to ring the bell for service. The whipper snapper who served me didn't even know it was tax day. Also stocked up with forever stamps at the new low price. For short postal lin...
by dratkinson
Mon Apr 18, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: Whole house electric surge protector
Replies: 11
Views: 1251

Re: Whole house electric surge protector

We lived on the coast and in addition to hurricanes during summer it was very common to have late afternoon thunderstorms with pretty spectacular lightning so I installed one myself. We've moved since but I'm pretty sure this is the one: http://www.amazon.com/Leviton-51120-1-Panel-Protector-240-Vol...

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