Search found 3653 matches

by dratkinson
Sun Jan 22, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Selling diamond engagement ring
Replies: 28
Views: 2173

Re: Selling diamond engagement ring

Another option. Long ago, gf gave my ring back. I made it into a stickpin and wear it occasionally. I also have a tell a story while wearing it that seems to always receive the same reactions. Me, wearing diamond stickpin: "My gf gave it to me. Well, actually, she gave it back to me." Husb...
by dratkinson
Fri Jan 20, 2017 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Memory Bank 1.5%
Replies: 4
Views: 862

Re: Memory Bank 1.5%

High interest. I still have online HY checking account (Presidential bank: 4.5% when opened, .12% now) and savings account (HSBC: 5.05% when opened, 0.1% now) left over from 2007 when they were opened. I still use the checking account, for now, but the savings will be closed (it just has not made it...
by dratkinson
Thu Jan 19, 2017 8:01 pm
Forum: Personal Consumer Issues
Topic: Toaster Oven Recommendations
Replies: 34
Views: 1715

Re: Toaster Oven Recommendations

I've successfully done this twice with throw-away kitchen appliances*. --First was all-mechanical pop-up toaster (no electronics). Ran it through a dishwasher cycle. --Second was automatic coffeemaker with electronic module. Removed module, then ran it through a dishwasher cycle and reinstalled modu...
by dratkinson
Thu Jan 19, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: Toaster Oven Recommendations
Replies: 34
Views: 1715

Re: Toaster Oven Recommendations

Recall America's Test Kitchen recently reviewed toaster ovens. Recall #1 was $200+, #2 was ~$100, but don't remember names.

This search should find ATK episode: http://www.google.com/search?q=recommen ... st+kitchen
by dratkinson
Wed Jan 18, 2017 1:12 am
Forum: Personal Consumer Issues
Topic: Where to get HID (Xenon) kit?
Replies: 20
Views: 1258

Re: Where to get HID (Xenon) kit?

A trick I have used on numerous cars is to use some relays to turn on the low beams and fog lights whenever the high beams are activated. ... I thought about this too, but decided against the idea. Why? 1. In researching (probably on candlepowerforums.com) learned that when (high beams are on) you ...
by dratkinson
Tue Jan 17, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: Where to get HID (Xenon) kit?
Replies: 20
Views: 1258

Re: Where to get HID (Xenon) kit?

If your car came with halogen bulbs, then halogen is all you can reinstall in original headlight housing. No HID. No Xenon. No LED. No nothing else. Period. If your headlight lens are cloudy, then have them polished or the headlight housings replaced. If your headlight lens and reflectors are both i...
by dratkinson
Mon Jan 16, 2017 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: How to allocate 3-6 million in assets to achieve goals?
Replies: 56
Views: 5844

Re: How to allocate 3-6 million in assets to achieve goals?

Disclosure. This is my taxable AA. --VTSAX (TSM) --VFWAX (TISM) --VWLUX (daily accrual LT national muni) --WTCOX (monthly accrual IT single-state muni) --VWIUX (daily accrual IT national muni: largest tier of my formal EF, dry powder, and new car fund) International allocation. The recommended alloc...
by dratkinson
Mon Jan 16, 2017 7:10 am
Forum: Personal Consumer Issues
Topic: Recommendations for home paper shredder
Replies: 52
Views: 2083

Re: Recommendations for home paper shredder

Hint: you don't need to buy fancy shredder oil or lubrication sheets. Just use a few drops of Canola oil every time you change the bag which isn't that often because the bin is a good large size. where specifically do you put the oil? Watch the youtube videos on this. :) I've not oiled my shredder ...
by dratkinson
Sun Jan 15, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: Recommendations for home paper shredder
Replies: 52
Views: 2083

Re: Recommendations for home paper shredder

My current shredder is too small/slow for your requirements, but I do have a shredder mounting suggestion. Shredder mounting suggestion. My shredder is in my garage and mounted through a hole in a shelf above my trash barrel. Meaning it's incredibly easy to use as all of the chaff falls into the tra...
by dratkinson
Sun Jan 15, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: Teeth whitening
Replies: 38
Views: 3335

Re: Teeth whitening

White is not the natural color of the teeth. The dental science does not know enough yet. I suspect a lot of TV/movie folks do this, but even then, there are a few who, through the TV, also look ridiculously artificial. Yes, nearly ALL women - and I would say most men - working as journalists for l...
by dratkinson
Sat Jan 14, 2017 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: How to allocate 3-6 million in assets to achieve goals?
Replies: 56
Views: 5844

Re: How to allocate 3-6 million in assets to achieve goals?

... So almost any decision is good enough. ... A few comments about how things are taxed. Dividend income from bonds will be taxed at your ordinary rate - 15%. Stock long term capital gains (except REIT) will be taxed at 0% to the extent that your total income stays in the 15% bracket. Whatever spi...
by dratkinson
Thu Jan 12, 2017 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: How to allocate 3-6 million in assets to achieve goals?
Replies: 56
Views: 5844

Re: How to allocate 3-6 million in assets to achieve goals?

... So the advice of lst creating a "floor?" to fullfill basic needs with the funds I have is a good one. Then what to do as large amounts of "cash" come my way. Add to existing portfolio, create another, and so forth. Do you think those changing parameters change the AA? No. .....
by dratkinson
Wed Jan 11, 2017 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: How to allocate 3-6 million in assets to achieve goals?
Replies: 56
Views: 5844

Re: How to allocate 3-6 million in assets to achieve goals?

Not 100% clear on your situation: is $6K/mo in addition to $2.4K provided by rental income, or inclusive? But assuming $6K/mo represents your total expenses. Then $72K/$6M = 1.2%, which is well within the realm of a self-sustaining rate of withdrawals. Meaning you could invest in a two or three fund...
by dratkinson
Wed Jan 11, 2017 3:44 pm
Forum: Personal Consumer Issues
Topic: Anyone else having trouble with unrequested CVS auto-refills?
Replies: 55
Views: 2536

Re: Anyone else having trouble with unrequested CVS auto-refills?

I use Express Scripts phone service. The short answer. Now I like ES: No unwanted refills, and no phone calls except the ones initiated by me to reorder. The long answer. In the beginning I was receiving unneeded refills. It took me a while to break the code. Turn off auto refill. May need to talk t...
by dratkinson
Tue Jan 10, 2017 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Favorable review: OLT.com (IRS freefile online tax s/w)
Replies: 3
Views: 1321

Re: Favorable review: OLT.com (IRS freefile online tax s/w)

I used OLT in 2016 and remember it imported: personal information, ready-to-fill 1099s for each I entered in 2015, previous efiling information, and bank direct deposit information. That did speed up the process a little.

I plan to use it again this year.
by dratkinson
Tue Jan 10, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Teeth whitening
Replies: 38
Views: 3335

Re: Teeth whitening

I discovered that a tartar control mouthwash made my teeth a little whiter. Was noticeable within a month of starting use.
by dratkinson
Mon Jan 09, 2017 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Do you avoid aggregators? Best expense tracker for manual entry?
Replies: 13
Views: 813

Re: Do you avoid aggregators? Best expense tracker for manual entry?

I've used personal finance s/w for many years. It's "busy work" that tells me things that are not important to know. It's a habit I should break. It's a habit you should avoid. The only things that are important to know (total annual income/spending) can be gotten from other sources: pay s...
by dratkinson
Mon Jan 09, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: Bedroom is colder than rest of house. Radiator heating question.
Replies: 70
Views: 3020

Re: Bedroom is colder than rest of house. Radiator heating question.

I don't know the best solution, but have identified the most inefficient solution . What? Spend more on a new thermostat, so you can spend more on overheating the unused portions of your house overnight. That is a lose^2 solution. It is cheaper to heat one room, rather than the whole house. That's w...
by dratkinson
Mon Jan 09, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: Laundry lifestyle creep
Replies: 48
Views: 6545

Re: Laundry lifestyle creep

I seem to be creeping the other way, toward cheaper. Generally use cold wash loads, with an occasional hot/bleach load. Use to use Tide, but now use generic. (Cheaper. Can't tell the difference in cleaning. Fragrance is not that important to me. Last bought "Sun" brand.) Use to use powder,...
by dratkinson
Tue Jan 03, 2017 4:32 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting - Is it worth it?
Replies: 85
Views: 5291

Re: Tax Loss Harvesting - Is it worth it?

The behavioral benefit of TLH during the crisis when my brain was screaming "do something" was a small but useful benefit. +1 A TLH's biggest benefit may be that it teaches us not to fear a market decline. Why? Because it's hard to notice your investments are losing money when you are con...
by dratkinson
Sun Jan 01, 2017 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Is it ok to have only muni bonds and no taxable bonds?
Replies: 15
Views: 1663

Re: Is it ok to have only muni bonds and no taxable bonds?

"Is it ok to have only muni bonds and no taxable bonds?" That's my plan as I "shoot for the moon" in my small orphaned tax-advantaged space. My bond target is 50/50 national/single-state munis. I could be wrong. A safer course is to also have some taxable bonds in tax-advantaged ...
by dratkinson
Sun Jan 01, 2017 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: DD wants to travel in 5 years, where to invest her savings?
Replies: 5
Views: 950

Re: DD wants to travel in 5 years, where to invest her savings?

Idea. A 529 plan is to save for education expenses. If education were (example) a foreign language immersion course run by US college in which student spends a summer overseas, could maybe use that to travel on the invested education-dime. Recall hearing of this idea being used by retired adults who...
by dratkinson
Sun Jan 01, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: Scenic train trip?
Replies: 21
Views: 1641

Re: Scenic train trip?

If you are out Colorado way: Highly recommended. Durango-Silverton steam train was a nice day trip (mountains, streams, waterfalls,...): https://www.durangotrain.com Nice. Cumbres & Toltec steam train was a nice day trip (prairie): http://cumbrestoltec.com Interesting side trip. The Georgetown L...
by dratkinson
Sat Dec 31, 2016 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Is it worth to open a Roth IRA with my tax bracket?
Replies: 18
Views: 1447

Re: Is it worth to open a Roth IRA with my tax bracket?

A target date retirement fund is fine to use in any tax-advantaged account. But as a TDR fund uses taxable bonds, you should not use one in a taxable account. For taxable-account investing, you'd want to use discrete funds and place them for tax efficiency. This is were the "principles of tax-e...
by dratkinson
Sat Dec 31, 2016 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Moving my emergency funds into something other than a savings account?
Replies: 18
Views: 2288

Re: Moving my emergency funds into something other than a savings account?

"Something non volatile", but with higher interest? That would be CDs. Or a CD ladder. Can check bankrate.com for rates. I now prefer simplicity (no longer interested in chasing rates or managing a CD ladder) so follow the advice, "When you believe you have enough, then you don't need...
by dratkinson
Fri Dec 30, 2016 11:02 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting - Is it worth it?
Replies: 85
Views: 5291

Re: Tax Loss Harvesting - Is it worth it?

ChasingFIRE wrote:...
2. How do you choose when to TLH? Just the end of the year? Or is there a specific reasoning for when?


The best time to TLH is when you have the loss. Wait too long and the loss will be replaced by a gain.
by dratkinson
Fri Dec 30, 2016 5:40 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting - Is it worth it?
Replies: 85
Views: 5291

Re: Tax Loss Harvesting - Is it worth it?

Yes, TLHing can be worth the effort. I recently used a small TLH opportunity to more quickly rebalance into bonds. Rebalancing was desired. Tax-free rebalancing was an opportunity. Had it not of been for the rebalancing opportunity, I would not have TLHed for such a small amount. Otherwise, my TLH t...
by dratkinson
Fri Dec 30, 2016 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: Is it worth to open a Roth IRA with my tax bracket?
Replies: 18
Views: 1447

Re: Is it worth to open a Roth IRA with my tax bracket?

1. More tax-advantaged space is better than less. 2. A Roth makes tax-free all growth and withdrawals. So if you have a long time until retirement, the benefit of tax-sheltered growth may easily outweigh the contribution tax-cost. (As opposed to going the deductible traditional IRA route now and con...
by dratkinson
Wed Dec 28, 2016 3:12 pm
Forum: Personal Consumer Issues
Topic: Study Table for kids
Replies: 16
Views: 801

Re: Study Table for kids

May need more than a table. May need drawers too to corral stuff---pencils, paper,.... Table+drawers=desk. Adjustable height desk: http://www.google.com/search?q=adjustable+height+desk If kids can share a desk, then you want a partners' desk: http://www.google.com/search?q=adjustable+height+partners...
by dratkinson
Wed Dec 28, 2016 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with a Solo 401k after employees are hired?
Replies: 6
Views: 832

Re: What to do with a Solo 401k after employees are hired?

IRS Rollover Chart: https://www.irs.gov/pub/irs-tege/rollover_chart.pdf

Above links to more IRS information on each plan type.

Existing solo 401k can be rolled over into IRA.

Don't know what is best plan for new company (1+2).

Sorry I can't be of more help.
by dratkinson
Tue Dec 27, 2016 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Dilemma: Fund 401K or Roth in my new income scenario?
Replies: 16
Views: 924

Re: Dilemma: Fund 401K or Roth in my new income scenario?

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 preferred in retirement (tax-free growth/withdrawals, no RMD), but traditional is tax deductible now. --Spousal IRA. ($5.5K) Ditto. Allowe...
by dratkinson
Tue Dec 27, 2016 2:44 pm
Forum: Personal Consumer Issues
Topic: Cutting Trees in the Back Yard
Replies: 27
Views: 2051

Re: Cutting Trees in the Back Yard

I first went with the guys making the neighborhood round trimming trees. What an ugly mess! Trees eventually died and had to be cut down and stumps removed. But on a positive note, it did get rid of my box elder bug problem. Bottom line. Go with the guys who know what they are doing and have the cre...
by dratkinson
Sun Dec 25, 2016 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you check your index price?
Replies: 8
Views: 771

Re: Where do you check your index price?

... Must I manually change my shares on either platform to more accurately check my AA? ... Yes. You must record the number of shares owned for each fund: closing price x number of shares = value owned by you in that fund. If you keep the number of shares accurate, then your price download utility ...
by dratkinson
Sun Dec 25, 2016 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you check your index price?
Replies: 8
Views: 771

Re: Where do you check your index price?

Recall newer Excel should have price download capability built in. For older Excel, can use Gummy's Yahoo macro. See: https://www.bogleheads.org/forum/viewtopic.php?t=171398 See: http://www.marketindex.com.au/yahoo-finance-api N.B. Have the first returned data be the requested fund "symbol"...
by dratkinson
Sat Dec 24, 2016 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Fund Alternatives for the year-end TLH [Tax Loss Harvesting]
Replies: 4
Views: 471

Re: Fund Alternatives for the year-end TLH [Tax Loss Harvesting]

Believe Wellesley Income Fund Admiral Shares (VWIAX) fails on tax efficiency. So might want to choose something else when you come back.

See: https://www.bogleheads.org/wiki/Princip ... _placement
See: https://www.bogleheads.org/wiki/Three-fund_portfolio
by dratkinson
Sat Dec 24, 2016 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: [Sanity check needed for Tax Loss Harvesting]
Replies: 12
Views: 901

Re: [Sanity check needed for Tax Loss Harvesting]

Both VTIAX and VFWAX are similar (but not substantially identical) long-term holdings. I wouldn't prefer one over the other unless I could predict the future. So to save work, I wouldn't go back to VTIAX until I had a VFWAX TLH opportunity. Disclosure. I went the other way: VFWAX (TLH) --> VTIAX (TL...
by dratkinson
Thu Dec 22, 2016 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Can I able to do TLH?
Replies: 3
Views: 399

Re: Can I able to do TLH?

A wash sale is triggered by any "replacement shares" purchased in either VWIUX within ±30-days of your TLH. No replacement shares = no wash sale. (± = Alt+0177) Action step. Redirect all distributions in both VWIUXs before you TLH. A TLH is just how the IRS treats a sale at a loss. If you ...
by dratkinson
Sun Dec 18, 2016 5:26 pm
Forum: Personal Consumer Issues
Topic: Winter car safety kit?
Replies: 46
Views: 2480

Re: Winter car safety kit?

Heat/light. Added a kerosene lantern (Feuerhand seems to be the best-made available, from WT Kirkman* or Lehmans) and 30 oz metal water bottle of fuel (bottle from thrift store, KleanHeat fuel from Home Depot). Both stored vertically in one of two plastic totes of (1) winter survival and (2) vehicl...
by dratkinson
Sun Dec 18, 2016 2:10 pm
Forum: Personal Consumer Issues
Topic: Winter car safety kit?
Replies: 46
Views: 2480

Re: Winter car safety kit?

Heat/light. Added a kerosene lantern (Feuerhand seems to be the best-made available, from WT Kirkman* or Lehmans) and 30 oz metal water bottle of fuel (bottle from thrift store, KleanHeat fuel from Home Depot). Both stored vertically in one of two plastic totes of (1) winter survival and (2) vehicle...
by dratkinson
Sat Dec 17, 2016 11:55 am
Forum: Personal Consumer Issues
Topic: Buy a car or repair the old one
Replies: 17
Views: 1566

Re: Buy a car or repair the old one

Tough call. Sounds like you planned to keep it 3-4 years more. If adding water is all it takes, so be it. But a head gasket could fail catastrophically at any time and leave you stranded. (Recent towing charge: $75 hook up + $3/mile.) And if you only add water (not antifreeze), then are exposing you...
by dratkinson
Fri Dec 16, 2016 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Difficult choices among ability, willingness, and need to take risk
Replies: 28
Views: 2529

Re: Difficult choices among ability, willingness, and need to take risk

BH Difficult choices among ability, willingness, and need to take risk I’m a novice investor. The senior investors have a deeper understand of the topic than I, so skew your considerations toward the points they make about risk and the marginal utility of additional wealth. That being said, this is ...
by dratkinson
Tue Dec 13, 2016 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Investing is intimidating, hoping to get this right...
Replies: 17
Views: 1337

Re: Investing is intimidating, hoping to get this right...

... At some point you will want to start a Roth IRA for each of you, perhaps with a similar balanced fund at Vanguard. A goal of 18k 401k, 2 X 5500 in Roths would be great. ( Since your 401k is so great, it is possible that they might even have some after-tax savings (Roth-type) set up, which might...
by dratkinson
Tue Dec 13, 2016 11:05 am
Forum: Investing - Theory, News & General
Topic: Muni bonds are getting killed. Are you bailing out?
Replies: 88
Views: 13197

Re: Muni bonds are getting killed. Are you bailing out?

I am curious if any Bogleheads have invested in the new Vanguard Tax Exempt Index fund and now sold. I may be incorrect, but the yield is lower than the active fund. The index fund is also a long term fund compared to the intermediate nature of the active fund. Best. In the beginning, recall that f...
by dratkinson
Mon Dec 12, 2016 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Investing is intimidating, hoping to get this right...
Replies: 17
Views: 1337

Re: Investing is intimidating, hoping to get this right...

Looks like you are doing fine. Just need a few tweaks. Option. If you use 4 funds (US stocks---S&P500 index + extended market completion index, US bonds, international stocks), instead of a target date retirement fund, you might save a little on the expense ratio. But a TDR fund is so very easy ...
by dratkinson
Mon Dec 12, 2016 3:34 pm
Forum: Personal Consumer Issues
Topic: Any way to improve single stage snowblower?
Replies: 19
Views: 1338

Re: Any way to improve single stage snowblower?

BH Any way to improve single stage snowblower? A single-stage snowthrower works better with wet snow than a two-stage snowblower. Why? Fewer direction changes = fewer places for the snow to stop/stick when it changes direction. Assuming your Toro worked well when new, then it should work just as wel...
by dratkinson
Fri Dec 09, 2016 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Merrill Brokers get ultimatum to refer clients to other parts of BOA
Replies: 22
Views: 1989

Re: Merrill Brokers get ultimatum to refer clients to other parts of BOA

...Way back when under the golden arches they called it "suggestive selling" when we asked the customers if they wanted fries with that. And sometimes not so "suggestive". Probably about the same time as you, came across a Burger King that listed drink sizes as small/regular/lar...
by dratkinson
Fri Dec 09, 2016 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Merrill Brokers get ultimatum to refer clients to other parts of BOA
Replies: 22
Views: 1989

Re: Merrill Brokers get ultimatum to refer clients to other parts of BOA

Wonder if ML brokers, to keep their pay from being cut, would be willing to pay the forum a fee to refer our members? I listened to a Wells Fargo personal banker's sales pitch and said "No". I'm willing to do the same for BOA sales pitch if the forum could earn a "participation" ...
by dratkinson
Thu Dec 08, 2016 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Is a money market fund better than a tax-exempt bond fund?
Replies: 12
Views: 1518

Re: Is a money market fund better than a tax-exempt bond fund?

^^^MMkt funds pay very low interest for an EF. I believe it's much better to use a higher-yield bank CD and pay the interest penalty if needed to break it early. Another option. We are taught that a bond crash can cause bond funds to lose 5-15%, so over-fund your preferred bond EF by ~18% (1/(1-.15)...
by dratkinson
Wed Dec 07, 2016 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Is a money market fund better than a tax-exempt bond fund?
Replies: 12
Views: 1518

Re: Is a money market fund better than a tax-exempt bond fund?

Thanks to everyone for your advice. I’ve decided to harvest a tax loss by selling half of my shares in Vanguard’s Limited-Term Tax-Exempt Bond Fund, with the proceeds going into Vanguard’s Short-Term Tax-Exempt Bond Fund. It has a slightly lower yield with slightly less volatility. The limited-term...
by dratkinson
Wed Dec 07, 2016 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Where to Invest after Retirement Accounts
Replies: 7
Views: 637

Re: Where to Invest after Retirement Accounts

If you want the forum to review your 401k options, then edit your original post to include them. The short answer: You want to begin taxable investing, next. Can also research HSA (health savings account), also known as a "stealth IRA", and after you have kids, 529 plans for their educatio...

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