Search found 3774 matches

by dratkinson
Mon May 22, 2017 7:12 am
Forum: Personal Consumer Issues
Topic: Vehicle recommendation for large family
Replies: 32
Views: 1572

Re: Vehicle recommendation for large family

The most comfortable vehicle I've test driven recently was a Honda Pilot, and was hoping it would be big enough for you as it had 8 seats. But unfortunately, the Pilot seems to be a smaller vehicle than the Odyssey. See: http://www.thecarconnection.com/car-compare-results/honda_odyssey_2017-vs-honda...
by dratkinson
Mon May 22, 2017 6:36 am
Forum: Investing - Help with Personal Investments
Topic: Disclosure: My Colorado muni bond fund: WTCOX.
Replies: 4
Views: 769

Belated due diligence, or confirmation bias.

The most recent mailed summary prospectus for the Westcore Colorado Tax-Exempt Fund included an announcement that a Thomson Reuters Lipper award was received by Denver Investments for their management of the Westcore fixed income funds: "Best Fixed Income---Small Fund Group". Had to go loo...
by dratkinson
Sun May 21, 2017 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: We have a lot going on .... Input Requested.
Replies: 51
Views: 5353

Re: We have a lot going on .... Input Requested.

Topic: Your saving for your kids' education vs for your retirement. +1 on bayview's comments. Your kids can get a loan to pay for their education, you can't get a loan to pay for your retirement. (Or they can work PT, or work FT and go to school part time. I did.) Bottom line. Your kids have more fl...
by dratkinson
Fri May 19, 2017 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Nothing else to do investment wise!
Replies: 23
Views: 3249

Re: Nothing else to do investment wise!

Perhaps boredom in investing means we are approaching enlightenment . After nailing down most of the basics and creating simple action steps for myself, I backed up and began reading some of the books on the history of investing. Don't generally like history books, but found the history of investing...
by dratkinson
Fri May 19, 2017 4:34 pm
Forum: Investing - Theory, News & General
Topic: I'm hearing conflicting advice on putting bonds in tax-protected accounts....?
Replies: 20
Views: 2357

Re: I'm hearing conflicting advice on putting bonds in tax-protected accounts....?

Believe the Wiki/forum uses this understanding:

tax-advantaged
--tax-deferred (401k, tIRA...)
--tax-free (Roth IRA,...)
taxable

Why? Didn't understand it before I got here. Do now. So must have learned it here. If not explicitly expressed, then I picked it up from context.
by dratkinson
Thu May 18, 2017 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Nothing else to do investment wise!
Replies: 23
Views: 3249

Re: Nothing else to do investment wise!

Once the basics are covered, then you can start playing around the edges to tweak tax efficiency. I follow livesoft's Sch B advice: --Minimize Sch B part I income (rate-chasing interest from: checking, savings, CDs,... and I also now avoid savings bonds) --Have only Sch B part II income that is offs...
by dratkinson
Thu May 18, 2017 4:05 pm
Forum: Investing - Theory, News & General
Topic: I'm hearing conflicting advice on putting bonds in tax-protected accounts....?
Replies: 20
Views: 2357

Re: I'm hearing conflicting advice on putting bonds in tax-protected accounts....?

100% equity in Roth 100% equity taxable Bonds will go in my tIRA when I can no longer contribute to Roth. As I age, I'll reallocate in the Roth to maintain what I've gained over 10-20 years +1 tax-deferred (401k,...): equities tax-free (Roth IRA,...): equities taxable: municipal bonds + equities It...
by dratkinson
Wed May 17, 2017 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Mini Milestone 100K
Replies: 19
Views: 1509

Re: Mini Milestone 100K

Congratulations. Sounds like an example right out of The Millionaire Next Door.
by dratkinson
Wed May 17, 2017 8:03 am
Forum: Investing - Theory, News & General
Topic: Excel Macro using Yahoo Finance- not working
Replies: 19
Views: 1583

Re: Excel Macro using Yahoo Finance- not working

JohnFiscal wrote:I am familiar with "gummy" from the Canadian forum, and I figured I would check out the link to the Yahoo data download.


If you want gummy's macro, send me your email by PM. You'll need to make the above URL change to get it to work, but that's simple enough.
by dratkinson
Tue May 16, 2017 9:58 pm
Forum: Investing - Theory, News & General
Topic: Excel Macro using Yahoo Finance- not working
Replies: 19
Views: 1583

Re: Excel Macro using Yahoo Finance- not working

+1. M* portfolio manager doesn't do all I want. I've built in the ability to display: when any IPS management action is required/cleared, AA is out of balance, TLH opportunity available, test the effect of selling by share lots to include producing a trial Sch D, time-based reminders (set/check with...
by dratkinson
Tue May 16, 2017 8:59 pm
Forum: Investing - Theory, News & General
Topic: Excel Macro using Yahoo Finance- not working
Replies: 19
Views: 1583

Re: Excel Macro using Yahoo Finance- not working

dratkinson's post gave a yahoo finance hyperlink that returned a cvs file of the current stock price for a bunch of stocks. Is it possible to get the end of day stock price for a specific day? The link is the way gummy's macro constructed it. It's purpose is to get the day's closing prices. It's al...
by dratkinson
Tue May 16, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Quality decline in off-brand alkaline batteries?
Replies: 28
Views: 1303

Re: Quality decline in off-brand alkaline batteries?

If runtime is your primary goal, then assume as lithium seem to last longer in my flashlights, they'd also work longer in remotes too. I worry more about battery corrosion than runtime. I have noticed one thing about batteries in TV remotes. What? When they seem to be getting weak, if you open the b...
by dratkinson
Mon May 15, 2017 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor!!
Replies: 6
Views: 523

Re: New Investor!!

You are probably in the 15% federal tax bracket? Why? --$30K (salary) -$4050 (personal exemption) -$6300 (standard deduction) = $19,650 (taxable income), 15% federal tax bracket. --$30K (salary) +$16K (VA) -$4050 (personal exemption) -$6300 (standard deduction) = $26,350 (taxable income), 15% federa...
by dratkinson
Mon May 15, 2017 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Various Tax Exempt Funds....
Replies: 10
Views: 1639

Re: Various Tax Exempt Funds....

Hogan773 wrote:... I am going to shift outwards now more toward the IT at least and prob HY as I don't pay the AMT


Sounds like a plan. And your backup plan is to TLH any intolerable temporary loss.

Disclosure. Have not yet had a muni temporary loss that was: (1) intolerable, or (2) worth the effort to TLH.
by dratkinson
Sun May 14, 2017 3:53 pm
Forum: Investing - Theory, News & General
Topic: Excel Macro using Yahoo Finance- not working
Replies: 19
Views: 1583

Re: Excel Macro using Yahoo Finance- not working

As it seems to be affecting many, suspect yahoo has done something on their end. Why? What they have done on their end is change the URL. Use the one I intended to post just above. I made a mistake and posted an old one which stopped working. Try http://download.finance.yahoo.com/d/quotes?s=. I cor...
by dratkinson
Sun May 14, 2017 3:12 pm
Forum: Investing - Theory, News & General
Topic: Excel Macro using Yahoo Finance- not working
Replies: 19
Views: 1583

Re: Excel Macro using Yahoo Finance- not working

Thought it was just me. As it seems to be affecting many, suspect yahoo has done something on their end. Why? Thought I broke the macro so went looking for the original and found a letter from a yahoo lawyer telling gummy to "stop". See original gummy page replaced by lawyer's letter: http...
by dratkinson
Sun May 14, 2017 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable versus tax-exempt bond funds
Replies: 3
Views: 506

Re: Taxable versus tax-exempt bond funds

Tax bracket creep. Our fed tax bracket is based on "taxable income". TE dividends do not add to taxable income, taxable dividends do. So if on the border, the use of TE bonds could drop one into a lower tax bracket, or delay one advancing into a higher tax bracket. N.B. QDI/LTCG, even if t...
by dratkinson
Fri May 12, 2017 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: creating a 3 fund potfolio with limited employer investment choices
Replies: 5
Views: 457

Re: creating a 3 fund potfolio with limited employer investment choices

You don't mention your state of residency, but from your tax rates assume CA or NY. One of the senior investors recommends mixing Vanguard's long-term single-state muni fund, 50/50, with its limited-term national muni fund. Why? The mix gives intermediate-term duration (sweet spot on the total risk/...
by dratkinson
Fri May 12, 2017 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Various Tax Exempt Funds....
Replies: 10
Views: 1639

Re: Various Tax Exempt Funds....

... Some of what has held me back from shifting allocation from MM/ST/Ltd Term out to the Intermediate Term and HY is the worry that "rates are rising" ... I thought about this too. And have been waiting for the muni crash predicted since ~2007. Have come to believe that avoiding muni yie...
by dratkinson
Thu May 11, 2017 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Various Tax Exempt Funds....
Replies: 10
Views: 1639

Re: Various Tax Exempt Funds....

If you are in the highest fed tax bracket, then you don't need to worry about AMT exposure because your marginal tax rate is already higher than its 28%. So your TT is correct, you don't have to worry about the AMT. :) If you want more yield, can reduce allocation to TE mmkt and Ltd-term, eliminate ...
by dratkinson
Thu May 11, 2017 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: did I make a mistake funding a traditional IRA?
Replies: 8
Views: 760

Re: did I make a mistake funding a traditional IRA?

I can't make a better guess than the one you make for yourself. Which method is predicted to produce the most after-tax money: tax-free growth of rIRA, or taxed growth of tIRA + Savers Credit? Time to break out Excel and play "what if". Construct two scenarios: (1) rIRA, and (2) tIRA + Sav...
by dratkinson
Thu May 11, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: My plan to use policy loans to fund first five years of retirement
Replies: 61
Views: 3361

Re: My plan to use policy loans to fund first five years of retirement

Recall in her book, Quinn's How to Make Your Money Last , she has a section on taking loans from insurance, and the bad things that can happen. As situation didn't apply to me, only skimmed it so don't remember details or if there is a preferred alternate route. Recall book was dense with informatio...
by dratkinson
Wed May 10, 2017 6:49 pm
Forum: Personal Consumer Issues
Topic: Time savers - life on automation
Replies: 57
Views: 7194

Re: Time savers - life on automation

ljb1234 wrote:I designed and built my own garage door closer.


How?
by dratkinson
Wed May 10, 2017 6:39 pm
Forum: Personal Consumer Issues
Topic: Time savers - life on automation
Replies: 57
Views: 7194

Re: Time savers - life on automation

I am really perplexed. If you have the ability to use the relays, why would you build something with the suicide plug? Are you aware that if something bad were to happen, the insurance company would deny the coverage. I may have caused unnecessary confusion/concern by using the "suicide plug&q...
by dratkinson
Wed May 10, 2017 5:14 am
Forum: Personal Consumer Issues
Topic: Time savers - life on automation
Replies: 57
Views: 7194

Re: Time savers - life on automation

Bright garage lights for unloading car. Wired garage door opener into garage lights (Radio Shack relay acts as a parallel wall switch). It's nice to come home to a brightly lit garage. And since the garage has multiple bright lights, whereas the garage door opener had only one relatively dim light,...
by dratkinson
Tue May 09, 2017 7:33 pm
Forum: Investing - Theory, News & General
Topic: Gundlach shorts S&P 500, says passive investing is a 'myth'
Replies: 51
Views: 5912

Re: Gundlach shorts S&P 500, says passive investing is a 'myth'

If passive investing is now a "myth", then it must also be a myth that passive investors are "mindless idiotic parasitic robotic evil freeloading indexers" riding on the coattails of, and taking unfair advantage of, hardworking active managers. See: http://www.google.com/search?q...
by dratkinson
Mon May 08, 2017 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: should i switch my VBTLX into VWIUX (e.g. muni bond fund)? [in taxable]
Replies: 13
Views: 1568

Re: should i switch my VBTLX into VWIUX (e.g. muni bond fund)? [in taxable]

... Now, to throw another cog in the works, consider that I am aiming to retire in 5-10 years. At that point, I will fall from the 28% (or possibly 33% bracket near the end) down to a very low bracket. At this stage, VBTLX will probably be a better fit. But I wouldn't necessarily want to sell all m...
by dratkinson
Sun May 07, 2017 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: should i switch my VBTLX into VWIUX (e.g. muni bond fund)? [in taxable]
Replies: 13
Views: 1568

Re: should i switch my VBTLX into VWIUX (e.g. muni bond fund)? [in taxable]

I don't have the background to give a more exact answer. So I must look for simple, easy to follow "actions steps" that are "good enough" to make a decision. In this case: --VBTLX and VWIUX are both IT funds and recommended by the forum where appropriate. --VWIUX's use in the 28%...
by dratkinson
Sat May 06, 2017 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: should i switch my VBTLX into VWIUX (e.g. muni bond fund)? [in taxable]
Replies: 13
Views: 1568

Re: should i switch my VBTLX into VWIUX (e.g. muni bond fund)? [in taxable]

The short answer. Until you've conducted your own due diligence, VWIUX is a recommended safe place to start. The long answer. The safest advice is to use an IT (intermediate term) national muni fund. But as you are comfortable "shooting for the moon" in your tax-advantaged space, can do th...
by dratkinson
Thu May 04, 2017 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle large variable expenses?
Replies: 16
Views: 941

Re: How to handle large variable expenses?

I follow the BH advice: when we have enough (as defined by us), then we don't need a dedicated EF as all of our investments become our EF. So in my mental accounting, everything is in one big pot. This means I don't need to differentiate between saving to invest and saving for a project. Given above...
by dratkinson
Wed May 03, 2017 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Sleep well or not ? [Vanguard Intermediate-Term Tax-Exempt]
Replies: 45
Views: 6344

Substantially identical security

... SEC yield for VWIUX (Vanguard Interm-Term Tx-Ex Admiral shares) is 2.01%. VCADX (CA int-term Admiral) has SEC yield of 1.95%. I would think these two funds are different enough that they could be used as surrogate funds for each other for TLH purposes. Does anyone here think me to be incorrect ...
by dratkinson
Wed May 03, 2017 12:17 am
Forum: Investing - Help with Personal Investments
Topic: Sleep well or not ? [Vanguard Intermediate-Term Tax-Exempt]
Replies: 45
Views: 6344

Re: Sleep well or not ? [Vanguard Intermediate-Term Tax-Exempt]

I forgot a few data points. It does take time to become use to investing in something. In early 2008, I purchased IT muni. I was counting on the 0% QDI/LTCG tax advantages in the 15% tax bracket to make up for any TEY loss against TBM. By late 2008, feeling the itch to reach for more yield, I was co...
by dratkinson
Tue May 02, 2017 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Sleep well or not ? [Vanguard Intermediate-Term Tax-Exempt]
Replies: 45
Views: 6344

Re: Sleep well or not ? [Vanguard Intermediate-Term Tax-Exempt]

I have invested in this fund for many years and it is a core holding for me. I do have some aversion to fluxuations in NAV, so when I started, I divided FI holdings into 50% intermediate and 50% limited term TE fund. The intermediate generates higher returns, but I sleep better with half in the lim...
by dratkinson
Tue May 02, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: Car maintenance for older cars - where do you go ?
Replies: 52
Views: 3591

Re: Car maintenance for older cars - where do you go ?

... I bet I'm not the only person who swayed noticeably towards buying a Subaru when they opened the hood at the dealer and saw the oil filter sitting right on top. +1. And the Subaru engine has a timing chain. My partial list of requirements for my next vehicle: Engine must have timing chain and h...
by dratkinson
Mon May 01, 2017 3:49 pm
Forum: Personal Consumer Issues
Topic: Roomba or competitor?
Replies: 16
Views: 1986

Re: Roomba or competitor?

I'm on-again/off-again researching robot vacuums. Have learned some new ones are self-emptying---vacuum in docking station empties robot's small bin into docking station's larger bin, which you then clean out at less-frequent intervals. This new feature bumps price significantly. No decision yet. In...
by dratkinson
Mon May 01, 2017 1:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 96
Views: 11142

Re: Roll Call for the Retirement Class of 2017!

I can't delay SS any longer so declare myself to be officially retired in Dec with the class of 2017. I don't quite understand. What does being age 70 have to do with retirement, in your case? I ask partly because my family doctor back when I was a teenager​ is still working his job in his mid 80s....
by dratkinson
Sun Apr 30, 2017 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Which High-Yield Online Savings Account Should I Open?
Replies: 50
Views: 4349

Re: Which High-Yield Online Savings Account Should I Open?

... (I think Ally has a limit on the number of transactions per month). ... 6 per month in savings accounts . I may be mistaken, but I believe that's determined by federal regulation? If true, all banks have the same restriction. Savings and money market accounts withdrawals: yes. Deposits: no. See...
by dratkinson
Sun Apr 30, 2017 7:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 96
Views: 11142

Re: Roll Call for the Retirement Class of 2017!

I can't delay SS any longer so declare myself to be officially retired in Dec with the class of 2017.
by dratkinson
Sun Apr 30, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: Car maintenance for older cars - where do you go ?
Replies: 52
Views: 3591

Re: Car maintenance for older cars - where do you go ?

... I bet I'm not the only person who swayed noticeably towards buying a Subaru when they opened the hood at the dealer and saw the oil filter sitting right on top. +1. And the Subaru engine has a timing chain. My partial list of requirements for my next vehicle: Engine must have timing chain and h...
by dratkinson
Sat Apr 29, 2017 5:49 pm
Forum: Investing - Theory, News & General
Topic: Write checks from a bond fund in a Vanguard brokerage account?
Replies: 11
Views: 832

Re: Write checks from a bond fund in a Vanguard brokerage account?

Assuming we've set up a taxable account to use specific-ID cost basis to support TLHing, and that written checks don't support selling by specific-ID (no place to enter lot identification), then "No, I wouldn't do it---write checks on a bond fund." Instead, it's less complicating to sell t...
by dratkinson
Sat Apr 29, 2017 5:19 pm
Forum: Personal Consumer Issues
Topic: Does a credit card authorized user get their own credit card?
Replies: 15
Views: 797

Re: Does a credit card authorized user get their own credit card?

... In the past, I had single cards where my wife was NOT listed as an authorized user, but she often used the (only) card anyway, without problem. No one checked. Have house sat for my neighbor and they left a CC, just in case (pet to the vet). Have used it a few times and signed "my name for...
by dratkinson
Sat Apr 29, 2017 5:08 pm
Forum: Personal Consumer Issues
Topic: Car maintenance for older cars - where do you go ?
Replies: 52
Views: 3591

Re: Car maintenance for older cars - where do you go ?

For those who do their own maintenance: what do you do to raise your car sufficiently and safely? Any particular product you can recommend? Many YouTube videos of DIY ramps. If your vehicle brand is less popular, your repair choices may be limited. My '90 Montero's Mitsubishi brand is not as well k...
by dratkinson
Fri Apr 28, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: When does it make sense to stop paying to repair your old vehicle?
Replies: 56
Views: 3883

Re: When does it make sense to stop paying to repair your old vehicle?

I submit it is nonsensical to put a $4,000 repair into a $2,000 car Based on what? If the cost to replace that $2k car with a new equivalent vehicle is $60k, putting $4k into a $2k car may not be all that nonsensical. +1. If you really like your vehicle and want to keep it, or same type of vehicle,...
by dratkinson
Thu Apr 27, 2017 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: May not be eligible for Roth, where to save?
Replies: 4
Views: 513

Re: May not be eligible for Roth, where to save?

If you (plural) have been contributing to rIRAs before now, then the backdoor Roth gets you to the same place. If you have tIRAs to complicate the backdoor Roth, the recommended solution is to roll them into your employers' retirement plans. No tIRAs = no problems. You can also be saving for retirem...
by dratkinson
Thu Apr 27, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: When does it make sense to stop paying to repair your old vehicle?
Replies: 56
Views: 3883

Re: When does it make sense to stop paying to repair your old vehicle?

My daily driver is a '90 Montero (~27 years old). I might trade it if I could find something that fits me as well*... but I haven't, and I've tested many over many year. (* Except for a MB G500, which I can't afford to feed.) I've gotten older and no longer do my own vehicle repairs. Last year, the ...
by dratkinson
Thu Apr 27, 2017 6:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 106
Views: 9610

Re: "Invited" to change to Vang Brokerage

^^^ Did Vanguard lose your cost basis information during the conversion to a brokerage account? I ask because Vanguard lost my cost basis information when they converted all my uncovered investor shares to a single lot of admiral shares. To make matters worse, they require three dates for the same c...
by dratkinson
Thu Apr 27, 2017 6:06 pm
Forum: Personal Consumer Issues
Topic: Why I'm tempted to fix things myself; it's not about the money
Replies: 38
Views: 3848

Re: Why I'm tempted to fix things myself; it's not about the money

I've used the homeadvisor service for some projects. I consider the folks who show up unprepared/unwilling to bid to be self-winnowing. Requesting a fee for an estimate is a non-starter. This can mean it takes a while to get someone to do the job. Example: Required ~2 years to find a roofer to remov...
by dratkinson
Mon Apr 24, 2017 5:42 pm
Forum: Personal Consumer Issues
Topic: Best surface for garage, epoxy, polished concrete, something else?
Replies: 24
Views: 2718

Re: Best surface for garage, epoxy, polished concrete, something else?

radiowave wrote:I've seen matting for garage floors, can't remember if it was Home Depot or Lowes. It's like a puzzle, you put the pieces together for the floor space you want. I remember it was expensive so I wound up not doing that project. ...

Recall one brand is called Race Deck.
by dratkinson
Sun Apr 23, 2017 8:40 pm
Forum: Personal Consumer Issues
Topic: Time savers - life on automation
Replies: 57
Views: 7194

Re: Time savers - life on automation

Bright garage lights for unloading car. Wired garage door opener into garage lights (Radio Shack relay acts as a parallel wall switch). It's nice to come home to a brightly lit garage. And since the garage has multiple bright lights, whereas the garage door opener had only one relatively dim light,...
by dratkinson
Sat Apr 22, 2017 6:14 pm
Forum: Personal Consumer Issues
Topic: Time savers - life on automation
Replies: 57
Views: 7194

Re: Time savers - life on automation

Robot vacuum. Wanted to buy one. Thought I had a plan to buy a Roomba. Had a Bed Bath & Beyond 20% coupon, but the small print taketh it away. Still looking. Have learned that some newer robot vacuums are now self-emptying. Nightly meds reminder. Have a kitchen clock radio (Sangean CL-100 weathe...

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