Search found 3727 matches

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: 2522

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: 39
Views: 4175

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: 39
Views: 4175

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...
by dratkinson
Sat Apr 22, 2017 4:12 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodby."
Replies: 319
Views: 31303

Re: Larry Swedroe says "Goodby."

On his guidance - I always found that Larry's approach to bond investing was waaaay too complicated. I wonder how many non-clients actually implemented it. At least one. Make that two. Make that three. His bond approach didn't seem that complicated to me. Why? I just ignored the stuff that didn't s...
by dratkinson
Fri Apr 21, 2017 5:15 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodby."
Replies: 319
Views: 31303

Re: Larry Swedroe says "Goodby."

Larry, Thank you for your time and books. My largest incremental refinements (plural, multiple topics) in investor knowledge are due to you. Your bond book helped me put the final touches on my (much larger) taxable investments. Your alternative investments book and forum/internet thoughts on moment...
by dratkinson
Thu Apr 20, 2017 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Brand New Investor Help
Replies: 11
Views: 645

Re: Brand New Investor Help

Tax-sheltered investing. I believe a Roth IRA (rIRA) would be perfect for you. Why? --You are in a low tax bracket so will pay the lowest tax for tax-free growth from now until forever. (A traditional IRA (tIRA) is tax deductible, but in a low tax bracket, that deduction is almost meaningless. So b...
by dratkinson
Thu Apr 20, 2017 1:18 am
Forum: Investing - Help with Personal Investments
Topic: My Story so far. Totally confused! Vanguard, Charles Schwab, Merrill Edge. Managing own portfolio... or NOT?
Replies: 86
Views: 5955

Re: My Story so far. Totally confused! Vanguard, Charles Schwab, Merrill Edge. Managing own portfolio... or NOT?

Junk bonds. Simplicity. Junk bond funds have an equity-like risk exposure---they crash when stocks crash. If you want more return/risk, most recommend using safe bonds but skew your AA toward equities. Meaning: get your return/risk from pure equities, and your safety from pure bonds. Expense. Junk b...
by dratkinson
Mon Apr 17, 2017 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: My Story so far. Totally confused! Vanguard, Charles Schwab, Merrill Edge. Managing own portfolio... or NOT?
Replies: 86
Views: 5955

Re: My Story so far. Totally confused! Vanguard, Charles Schwab, Merrill Edge. Managing own portfolio... or NOT?

+1. Believe you should take advantage of the annual tIRA contribution limit. Why? (1) More tax-advantaged space is better than less. You have until next April to decide whether you contributed to a deductible/non-deductible tIRA. (2) An IRA is a tax-efficient way to own REIT. I notice you are consid...
by dratkinson
Sun Apr 16, 2017 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: My Story so far. Totally confused! Vanguard, Charles Schwab, Merrill Edge. Managing own portfolio... or NOT?
Replies: 86
Views: 5955

Re: My Story so far. Totally confused! Vanguard, Charles Schwab, Merrill Edge. Managing own portfolio... or NOT?

Your route forward. To help you map a route to your financial goals (kids education, retirement,...), we need to know your exact starting location---your financial description as requested in the sticky "Asking Portfolio Questions". No complete starting information = no route forward. Sugg...
by dratkinson
Sat Apr 15, 2017 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: My Story so far. Totally confused! Vanguard, Charles Schwab, Merrill Edge. Managing own portfolio... or NOT?
Replies: 86
Views: 5955

Re: My Story so far. Totally confused! Vanguard, Charles Schwab, Merrill Edge. Managing own portfolio... or NOT?

... You actually might want to consider starting a new thread purely with the "Asking Portfolio Questions" info (https://www.bogleheads.org/forum/viewtopic.php?t=6212) and leave all mention of Schwab, Merrill etc. out of it. Then compare whether you think the suggestions you get here are ...
by dratkinson
Sat Apr 15, 2017 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: My Story so far. Totally confused! Vanguard, Charles Schwab, Merrill Edge. Managing own portfolio... or NOT?
Replies: 86
Views: 5955

Re: My Story so far. Totally confused! Vanguard, Charles Schwab, Merrill Edge. Managing own portfolio... or NOT?

DIY investing is not that hard; you can learn to do it. The solution is to keep things simple and own the whole market; you can do that with only 3 funds. There is a lot of background investing knowledge (60+ years of academic research) required to guide your investing decisions. Fortunately the for...
by dratkinson
Wed Apr 12, 2017 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: IRA for 2016 & Need some assistance with 401K funds changed by employer
Replies: 31
Views: 1511

Re: IRA for 2016 & Need some assistance with 401K funds changed by employer

See if your HR has forms to pull your IRA directly from Vanguard, so you don't have to mess with a check. My faulty memory recalls it may be better to have your employer pull your IRA from Vanguard, than it is to get a check from Vanguard that you then forward to your employer. Why? Recall a clock s...
by dratkinson
Wed Apr 12, 2017 6:32 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 171
Views: 26697

Re: USAA 2.5% Cash Back Credit Card

... Just to clarify, the issue is not that I don't have enough monthly money to satisfy all three requirements (SIMPLE IRA/Checking/Ally Savings), it's that I need to see how to still have a "qualifying direct deposit" if I increase my SIMPLE IRA contribution (which, in turn, would make e...
by dratkinson
Wed Apr 12, 2017 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: absolute amount or % to trigger a TLH
Replies: 12
Views: 834

Re: absolute amount or % to trigger a TLH

Option to avoid cash drag of mmkt fund. You could TLH between intermediate term and limited term over ~2 months to avoid replacement shares/wash sale window created by each TLH. In this way you avoid the one month cash drag of a mmkt fund. Option to use whole TLH this year*. If you have $90K in car...
by dratkinson
Wed Apr 12, 2017 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Milestone reached.
Replies: 14
Views: 2312

Re: Milestone reached.

Congratulations. Looking forward to the day myself.
by dratkinson
Wed Apr 12, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 171
Views: 26697

Re: USAA 2.5% Cash Back Credit Card

Data point. The 6-transactions/mo limit on savings/mmkt accounts is on withdrawals, not deposits (unlimited). See: https://en.wikipedia.org/wiki/Regulation_D_(FRB) Your restrictions on accounts, most to least severe, seem to be: --Simple IRA. Deposits required for retirement. (Serious LT consequence...
by dratkinson
Tue Apr 11, 2017 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: IRA for 2016 & Need some assistance with 401K funds changed by employer
Replies: 31
Views: 1511

Re: IRA for 2016 & Need some assistance with 401K funds changed by employer

KATNYC wrote:...
The wrinkle is we might be limited to ROTH only for 2018 & beyond based on salary/bonus/overtime and end up having to convert the newly funded tIRA to a ROTH in 2018 or 2019.


Option. Roll your tIRA(s) into your 401k, (1) to defer tax to later, and (2) avoid problem with backdoor rIRA.
by dratkinson
Mon Apr 10, 2017 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: IRA for 2016 & Need some assistance with 401K funds changed by employer
Replies: 31
Views: 1511

Re: IRA for 2016 & Need some assistance with 401K funds changed by employer

Option: Backdoor Roth IRA. It is not clear to me. Is your plan only to contribution to your IRAs the amount that is tax-deductible? Or are you planning to contribute the annual maximum allowed? I ask because by being required to use non-deductible contributions, you are half-way to a backdoor Roth ...
by dratkinson
Mon Apr 10, 2017 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: We have a lot going on .... Input Requested.
Replies: 29
Views: 2709

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

Option: Municipal bond fund. If you need/want bonds in taxable in your tax brackets (28% fed, 0% state), many advise using an intermediate-term national municipal bond fund. Why? --It's good diversification---provides beneficial exposure to a new market segment. --IT bond funds are reported to have ...
by dratkinson
Sun Apr 09, 2017 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: How do I know if I am filing my taxes correctly?
Replies: 39
Views: 2728

Re: How do I know if I am filing my taxes correctly?

Then. Use to worry about this too. And would shift through my tax documents tracking each to something on the tax forms. But did I miss something? So eventually I started listing the names of all tax documents (on the back of an envelope containing one of the tax documents) and checked them off as t...
by dratkinson
Fri Apr 07, 2017 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Need more fixed income in tax-deferred accounts
Replies: 19
Views: 1222

Re: Need more fixed income in tax-deferred accounts

You can leave your 401k(s) as they are: more equities for more tax-advantaged growth. And do what? Option: IRAs . I assume both of you are working and have earned income. Meaning both can also be contributing to IRAs. If one is not working, then they are eligible for a spousal IRA bases on the incom...
by dratkinson
Thu Apr 06, 2017 3:06 pm
Forum: Investing - Theory, News & General
Topic: PurePoint 1.25% online savings $10K min
Replies: 53
Views: 7822

Re: PurePoint 1.25% online savings $10K min

Opened my PurePoint savings account on March 22, the transfer went through smoothly. No statement or interest posted on March 31, same on April 4. Called their customer service number, got through quickly, was told that statements and interest are posted on the day of the month after the one that t...
by dratkinson
Wed Apr 05, 2017 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: taxable muni VWITX- tax loss harvesting
Replies: 8
Views: 847

Re: taxable muni VWITX- tax loss harvesting

+1. If you are selling all and your net loss (gains - losses) is $1K, then your TLH would be greater if you only sold losing shares, and didn't also sell the shares with a gain. To do this you must use the specific ID method of selling to target only the losing shares. You can use specific ID for a ...
by dratkinson
Wed Apr 05, 2017 7:57 am
Forum: Investing - Help with Personal Investments
Topic: taxable muni VWITX- tax loss harvesting
Replies: 8
Views: 847

Re: taxable muni VWITX- tax loss harvesting

Many would TLH to another muni fund that they wouldn't mind holding for the long term. Most would go to a shorter duration fund, but I prefer the long term fund. Why? Higher yield. Be aware that if you TLH to the LT fund, there is the danger you might like the higher yield (because of its greater ri...
by dratkinson
Wed Apr 05, 2017 6:31 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request - New to Indexing
Replies: 8
Views: 1051

Re: Portfolio Review Request - New to Indexing

Additional thoughts. After tax 401k. If your current employer's 401k allows for after-tax contributions and in-service rollovers, then use those to make additional contributions to your backdoor Roth. See: https://www.bogleheads.org/wiki/After_tax_401k Self-employment. Once self-employed, set up a b...
by dratkinson
Sun Apr 02, 2017 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request - New to Indexing
Replies: 8
Views: 1051

Re: Portfolio Review Request - New to Indexing

+1. Poor 401k options. Use your lowest cost 401k options (500 index*, ext index*, int'l index), then round out your needs using your other accounts. (* 80% 500 index + 20% ext index = 100% TSM.) IRA. You can contribute to a non-deductible traditional IRA. You can roll your (non-deductible) tIRA into...
by dratkinson
Fri Mar 31, 2017 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: Sleep well or not ? [Vanguard Intermediate-Term Tax-Exempt]
Replies: 25
Views: 3133

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

... If you own this fund; and have this later attitude.......can you provide some more insight into your thoughts ? Is it because you have so little money in this fund that any NAV losses don't matter ? Or is it that you have such a large amount in this fund that the monthly distributions are all y...
by dratkinson
Thu Mar 30, 2017 7:37 pm
Forum: Investing - Theory, News & General
Topic: Christine Benz's Three Bucket System
Replies: 77
Views: 7610

Re: Christine Benz's Three Bucket System

You don't want to deplete (be withdrawing from) equities during an extended market correction. As most corrections recover within ~4-years, if you can weather the correction, then you avoid the issue. How you do it is up to you. Options: 1. Bucket system. Quinn, in her book How to Make Your Money La...
by dratkinson
Wed Mar 29, 2017 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: I found a favorable dental plan in Denver CO
Replies: 3
Views: 492

Re: I found a favorable dental plan in Denver CO

Follow up. Dentrust Dental's homepage QCP link is still broken, but receptionist showed me a working link on another page. See Quality Care Plan brochure: https://delicatesmilesdental.com/wp-content/uploads/Delicate-Smile-Brochure-for-web-12.02.2015.pdf QCP paper brochure is 2 pages, downloaded broc...
by dratkinson
Tue Mar 28, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: Our technology is old...advice on upgrading...
Replies: 62
Views: 4156

Re: Our technology is old...advice on upgrading...

If anyone wants to send me their 'old' technology feel free as its almost certainly newer than what I'm using: 22 year old Toshiba 36" CRT TV; 19 year old Sony CD/cassette/radio; 18 year old LG flip phone. I am typing this on my 5 year old Dell XPS running Win 7. I'll see yours, and raise you ...
by dratkinson
Mon Mar 27, 2017 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: An Edward Jones Financial Advisor stopped by my house and spoke with my wife
Replies: 111
Views: 11559

Re: An Edward Jones Financial Advisor stopped by my house and spoke with my wife

I don't believe you want to expose your email address. Instead, if he comes back (mine didn't), just explain to him that you (plural) talked about it and decided it is bad practice to hire professional services from door-to-door salesmen. And that if you need a FA, you'll get recommendations from th...
by dratkinson
Fri Mar 24, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: Pontoon boat owners!!
Replies: 15
Views: 1736

Re: Pontoon boat owners!!

Would not want all the boat ownership hassles, but would be a willing deckhand in exchange for spending the afternoon on the water with someone who owns a pontoon. Found it interesting reading (and watching videos) about owners who converted their pontoons to solar power. See: http://www.google.com/...
by dratkinson
Fri Mar 24, 2017 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: How should I evaluate these Vanguard funds?
Replies: 14
Views: 1236

Re: How should I evaluate these Vanguard funds?

For your retirement investing, the fund should fit into your AA, be a low-cost index fund, and placed for tax efficiency. For your (5%) play money account, have fun. (Realize that you are probably wrong. Why? Warren Buffett is 9 years into winning his 10-year $1M bet against 5 hedge funds. RQ: If th...
by dratkinson
Wed Mar 22, 2017 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Is Emergency fund necessary with 2 RMDs?
Replies: 18
Views: 1451

Re: Is Emergency fund necessary with 2 RMDs?

The question is how does that impact your overall asset allocation according to your IPS. This is completely within the investor's control. When I do a withdrawal from my IRA (in my case, a ROTH conversion) it is immediately invested into the same thing it was in before it left the IRA. If it was g...
by dratkinson
Wed Mar 22, 2017 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Is Emergency fund necessary with 2 RMDs?
Replies: 18
Views: 1451

Re: Is Emergency fund necessary with 2 RMDs?

When we consider our total investments to be our EF, there is the possibility that we would need to sell in a down market. To handle that problem (selling in a down market), I've read some here advocate keeping 5-yrs of cash reserves so that never happens to them, as the market is expected to recove...
by dratkinson
Tue Mar 21, 2017 9:50 pm
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 7625

Re: Tell me about Smart TVs and cutting cable

... We have liked TiVo over the years. Buying the Lifetime subscription (used to be $15/month as an option) is steep to just record OTA. If you want just a DVR, I did find one that is cheap (~$40 + external memory). It's a digital converter box with DVR and supports analog/digital TVs with RCA comp...
by dratkinson
Tue Mar 21, 2017 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Using 25-30 year old EE bonds to fund 529
Replies: 12
Views: 1054

Re: Using 25-30 year old EE bonds to fund 529

Recall this topic being discussed before, but don't remember where. Wiki? Forum? Only remember this from that discussion. The allowed (tax-advantaged) educational spending items is more limited with savings bonds, less limited with 529 plan. So to expand allowed educational spending items, roll savi...
by dratkinson
Tue Mar 21, 2017 8:43 am
Forum: Personal Consumer Issues
Topic: Do you purposely spend with companies in your investment portfolio?
Replies: 42
Views: 2341

Re: Do you purposely spend with companies in your investment portfolio?

Yes, can't help it. Why? Because I own everything.
by dratkinson
Mon Mar 20, 2017 6:34 pm
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 7625

Re: Tell me about Smart TVs and cutting cable

... thank you to all for your insightful posts regarding cutting the cord. We are still considering it and may wait until our Comcast contract is up in 18 months. By then I am thinking that the live TV streaming services will be even better. Other options to consider: Tivo Roamio OTA and Channel Ma...
by dratkinson
Mon Mar 20, 2017 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Does such a tool exist?
Replies: 2
Views: 641

Re: Does such a tool exist?

... All that said, I do this sort of thing myself in a humble spreadsheet. ... +1. Ditto. Roll your own and make it do what you want. If you input exact number of shares owned, and download daily fund prices, then your spreadsheet will update itself. (I use Gummy's macro to download fund prices, bu...
by dratkinson
Mon Mar 20, 2017 4:52 pm
Forum: Investing - Theory, News & General
Topic: PurePoint 1.25% online savings $10K min
Replies: 53
Views: 7822

Re: PurePoint 1.25% online savings $10K min

Several years back, got tired of rate chasing (because my HY online checking/savings dropped to ~0%, HY CD couldn't be rolled over at same rate, and my desirable PenFed CC became less so), so decided to do something different. If I had the money (I did), didn't need it for a while (I didn't), could ...
by dratkinson
Sun Mar 19, 2017 3:19 am
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 75
Views: 8305

Idea: switch from online payments to ABP.

Maybe you are working too hard and trying to do too much. Idea: do less online and try to relax more. How? I believe "push" transactions (from online accounts) would complicate my life. I believe "pull" transactions make my life simpler. To that end, I set up ABP (Automatic Bill ...
by dratkinson
Fri Mar 17, 2017 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Munis or CDs?
Replies: 9
Views: 972

Re: Munis or CDs?

Went through this exercise a few years back and decided I preferred munis. Why? No rate chasing/early termination fees/rolling over, easy to add/remove money, comparable yields + better tax advantages = more after-tax income, daily accrual funds do double-duty as part of EF, and I could tolerate the...
by dratkinson
Fri Mar 17, 2017 2:33 am
Forum: Personal Finance (Not Investing)
Topic: I found a favorable dental plan in Denver CO
Replies: 3
Views: 492

I found a favorable dental plan in Denver CO

Disclosure. In the past I’ve believed dental insurance was a waste of money as the annual fees were higher than an annual root canal. But today I’ve changed my mind. I don’t like dentists and have avoided them for several years . Last week I chipped a crown so called for an appointment. Today as a f...
by dratkinson
Tue Mar 14, 2017 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Got my budget straight, now 401k help
Replies: 11
Views: 801

Re: Got my budget straight, now 401k help

401k. All of the BlackRock funds seem to be target date retirement (TDR) funds. As there is only one of you, and you will have only one retirement date, then you only need one TDR fund. Your listed ER of the 2030 fund is not consistent with the others. Went looking but didn't identify it. Why? Found...
by dratkinson
Tue Mar 14, 2017 5:33 pm
Forum: Personal Consumer Issues
Topic: Any way to improve single stage snowblower?
Replies: 22
Views: 1907

Re: Any way to improve single stage snowblower?

It's always nice to have closure (to know the solution when a problem is fixed). Thanks for sharing.
by dratkinson
Mon Mar 13, 2017 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Got my budget straight, now 401k help
Replies: 11
Views: 801

Re: Got my budget straight, now 401k help

You don't want the forum to review only your 401k options. Instead, you want the forum to review your full financial situation. Please add (edit your original post) all of the information requested in the sticky "Asking Portfolio Questions". Why? New topic, new eyes who didn't see your oth...
by dratkinson
Mon Mar 13, 2017 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Want to make large auto loan payment, Chase doesn't accept credit cards
Replies: 13
Views: 1155

Re: Want to make large auto loan payment, Chase doesn't accept credit cards

Nowizard wrote:We paid 10K on a credit card from Chase, but it was to the dealer with the rest being paid by check since 10K was the limit. Chase Freedom. Don't know if paying a dealer is different from paying on a loan.

Tim


+1. Dealer accepted CC for down payment. Loan paid off by check.
by dratkinson
Sun Mar 12, 2017 3:28 am
Forum: Personal Finance (Not Investing)
Topic: Finally making money and need budget advice
Replies: 19
Views: 2221

Re: Finally making money and need budget advice

... Now I gotta head over to the investing side and pick some wise mutual funds/stocks to invest in and make my money work properly. Over there, read the first sticky. Then copy the second sticky ("Asking Portfolio Questions"), and take as much time as you need to edit it offline. Then po...
by dratkinson
Sat Mar 11, 2017 3:52 pm
Forum: Personal Consumer Issues
Topic: Where to start - converting from generator/UPS to more reasonable solar / powerwall?
Replies: 70
Views: 5123

Re: Where to start - converting from generator/UPS to more reasonable solar / powerwall?

Does the meter show power being used when the main breaker is turned off? I tried that today, much to the chagrin of my family. It moved, albeit VERY slowly. Certainly not 25% slower than before, more like 99.95% slower. Called power company, talked to some entry level clerk that tried to lie her w...

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