Search found 2083 matches

by Electron
Wed Sep 23, 2020 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Are you taking 2020 RMD anyhow?
Replies: 10
Views: 597

Re: Are you taking 2020 RMD anyhow?

I will probably skip my RMD this year. A spreadsheet analysis for my case and divisor shows that all future RMDs would be 3.9% higher as a result assuming an annual return of 4%. Overall, that may not be that much of a penalty as higher investment returns have a much larger effect. If the investment...
by Electron
Mon Sep 21, 2020 12:44 pm
Forum: Investing - Theory, News & General
Topic: Global Wellesley vs. Domestic
Replies: 13
Views: 1691

Re: Global Wellesley vs. Domestic

The Vanguard profile for VGWIX shows foreign holdings as 21.3% under equity characteristics. Has anyone seen similar information for the bond portion? https://investor.vanguard.com/mutual-funds/profile/portfolio/vgwix Here is a chart showing VWINX versus VGWIX since inception on 11-02-17. The chart ...
by Electron
Sun Sep 20, 2020 5:29 pm
Forum: Investing - Theory, News & General
Topic: International Dividends Got Crushed in Q2 2020
Replies: 27
Views: 3646

Re: International Dividends Got Crushed in Q2 2020

The third quarter appears to be a different story.

The September dividend paid by Vanguard FTSE All-World ex-US Index Fund is about 5% higher than the dividend paid in September 2019.
by Electron
Sat Sep 19, 2020 9:30 pm
Forum: Investing - Theory, News & General
Topic: Ken Moraif must be getting nervous
Replies: 88
Views: 24712

Re: Ken Moraif must be getting nervous

They apparently made 370 million over the past six years, so those free tablets are just a drop in the bucket. Just out of curiosity, what were the demographics of your free class? There were only six or seven people at my workshop including both men and women. They tended to be fairly young or of ...
by Electron
Sat Sep 19, 2020 4:02 pm
Forum: Investing - Theory, News & General
Topic: Ken Moraif must be getting nervous
Replies: 88
Views: 24712

Re: Ken Moraif must be getting nervous

The Annuity Slayer has an updated review of Moraif - enjoy! That performance record is certainly a disappointment. They probably argue that the risk adjusted returns are acceptable. I see that the Annuity Slayer also covers the Online Trading Academy. In February I attended one of their free Power ...
by Electron
Thu Sep 17, 2020 12:46 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Prime Money Market changes, gets new name. Treasury Money Market reopened]
Replies: 176
Views: 17576

Re: [Vanguard Prime Money Market changes, gets new name. Treasury Money Market reopened]

I noticed that the yield on Prime Money Market fund Admiral shares has now fallen below the yield on Federal Money Market. That is likely the result of Government securities now replacing other types of securities previously held by the fund. In addition, the two year floating rate Treasury notes he...
by Electron
Wed Sep 16, 2020 1:51 pm
Forum: Investing - Theory, News & General
Topic: Stock that can act like bonds
Replies: 31
Views: 2272

Re: Stock that can act like bonds

Hedging equity exposure might be an interesting possibility. Take a look at the Merger Fund MERFX. https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&endYear=2020&lastMonth=12&calendarAligned=true&includeYTD=false&initialAmount=10000&annualOperation=0...
by Electron
Tue Sep 15, 2020 1:03 pm
Forum: Investing - Theory, News & General
Topic: Ken Moraif must be getting nervous
Replies: 88
Views: 24712

Re: Ken Moraif must be getting nervous

They do sell annuities. Moraif just does not hype that on his show. All of his advisors are also licensed insurance agents and sell insurance products. "Insurance commissions earned are separate from our advisory fees." Thanks for passing along the information. Total costs sound quite high when you...
by Electron
Mon Sep 14, 2020 1:47 pm
Forum: Investing - Theory, News & General
Topic: Morningstar Charts - Previous Version Still Available
Replies: 0
Views: 99

Morningstar Charts - Previous Version Still Available

Here is a basic link that will bring up the previous version of Morningstar Charts. The symbol at the end of the link may be replaced with any ticker symbol covered by Morningstar. http://quotes.morningstar.com/chart/fund/chart?t=VWELX Examples: http://quotes.morningstar.com/chart/fund/chart?t=VTSAX...
by Electron
Sun Sep 13, 2020 2:39 pm
Forum: Investing - Theory, News & General
Topic: Ken Moraif must be getting nervous
Replies: 88
Views: 24712

Re: Ken Moraif must be getting nervous

Moraif bought the last 25% for his equity clients on 9/9/2020. The S&P opened 3369.82 and closed at 3398.96. I'd like to see them present their market timing strategy in this forum. The responses would definitely be interesting. They would likely do much better with a simple asset allocation and re...
by Electron
Sun Sep 13, 2020 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Large 2020 TIRA to Roth Conversion
Replies: 24
Views: 1725

Re: Large 2020 TIRA to Roth Conversion

My rationale is that Roths have certain advantages including tax free income, they are good inheritance vehicles and our 2 children (one is single) will likely inherit our Roth, I also want to reduce RMDs, I believe taxes are likely as low as they will be for quite a while and the survivor in our m...
by Electron
Fri Sep 11, 2020 5:42 pm
Forum: Investing - Theory, News & General
Topic: The Four (not Three) Fund Portfolio
Replies: 27
Views: 3382

Re: The Four (not Three) Fund Portfolio

I actually like the old format better. I find the rolling return charts very enlightening. Here are charts from 2008 and 2020 using the previous version of the Morningstar charts. You can select Growth, Price, or Rolling Returns. http://quotes.morningstar.com/chart/fund/chart?t=VFITX®ion=usa&cul...
by Electron
Tue Sep 08, 2020 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Large 2020 TIRA to Roth Conversion
Replies: 24
Views: 1725

Re: Large 2020 TIRA to Roth Conversion

Some retirees maintain a percentage in both Roth IRAs and Traditional IRAs for a number of reasons. One is that future tax rates are very hard to predict. Another reason is that large unreimbursed medical expenses in a future year can be deducted from income typically after exceeding a percentage of...
by Electron
Tue Sep 08, 2020 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated Tax Safe Harbor
Replies: 4
Views: 546

Re: Estimated Tax Safe Harbor

IRS Publication 505 includes Estimated Tax Worksheet 2-1 that may be of some help. Credits are entered on Line 7.

https://www.irs.gov/pub/irs-pdf/p505.pdf

The same worksheet is included in Form 1040-ES.

https://www.irs.gov/pub/irs-pdf/f1040es.pdf
by Electron
Tue Sep 08, 2020 12:56 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Prime Money Market changes, gets new name. Treasury Money Market reopened]
Replies: 176
Views: 17576

Re: [Vanguard Prime Money Market changes, gets new name. Treasury Money Market reopened]

Will this change have any effect on direct deposits? Prime Money Market is Vanguard Fund 30 while Prime Money Market Admiral is Vanguard Fund 66. Vanguard fund and account numbers are seen in the MICR numbers printed on the bottom of Vanguard checks and I assume they would also be included in ACH a...
by Electron
Sun Sep 06, 2020 12:27 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Prime Money Market changes, gets new name. Treasury Money Market reopened]
Replies: 176
Views: 17576

Re: [Vanguard Prime Money Market changes, gets new name. Treasury Money Market reopened]

I just checked the Vanguard profiles for Prime Money Market and Prime Money Market Admiral and noticed something quite interesting. Cash flows starting on August 28 are very large. Note the $2.9B converted on the first day. I believe these cash flows are just accounting since a single portfolio hand...
by Electron
Sat Sep 05, 2020 6:28 pm
Forum: Personal Consumer Issues
Topic: How to revive a dead deep cycle battery?
Replies: 20
Views: 1307

Re: How to revive a dead deep cycle battery?

If you have access to the individual cells you can check the specific gravity of each cell with a hydrometer. That should give you an indication of the charge levels and also identify any shorted cells. Use eye protection as a minimum. Always use safe procedures when working with lead acid batteries...
by Electron
Sat Sep 05, 2020 4:52 pm
Forum: Personal Consumer Issues
Topic: How to revive a dead deep cycle battery?
Replies: 20
Views: 1307

Re: How to revive a dead deep cycle battery?

An Internet search on revive deep cycle battery will turn up all kinds of information. If you do any work with the battery make sure you wear eye protection. Here is an interesting FAQ on deep cycle batteries. http://www.batteriesinaflash.com/deep-cycle-battery-faq "Deep cycle battery, on the other ...
by Electron
Mon Aug 31, 2020 2:20 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Prime Money Market changes, gets new name. Treasury Money Market reopened]
Replies: 176
Views: 17576

Re: [Vanguard Prime Money Market changes, gets new name. Treasury Money Market reopened]

Vanguard most certainly operates for profit. In 2019, Vanguard modified its SEC filings accordingly. Thanks for the correction and the links. Maybe we should just state that Vanguard is structured differently in comparison with other large mutual fund companies. In regards to the reallocation of fu...
by Electron
Sun Aug 30, 2020 4:52 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Prime Money Market changes, gets new name. Treasury Money Market reopened]
Replies: 176
Views: 17576

Re: [Vanguard Prime Money Market changes, gets new name. Treasury Money Market reopened]

Here is additional information on Vanguard fund expenses. I checked the Statement of Additional Information on several Vanguard funds and they state that each fund can pay up to 0.40% of net assets in expenses. It looks like all Vanguard funds including the Money Market funds are getting a bargain w...
by Electron
Sun Aug 30, 2020 3:00 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Prime Money Market changes, gets new name. Treasury Money Market reopened]
Replies: 176
Views: 17576

Re: [Vanguard Prime Money Market changes, gets new name. Treasury Money Market reopened]

Electron, would you expand on that last thought? I'm not sure what you mean it's not possible for Vanguard to reduce their profits. Do you just mean that Vanguard is bound (by their structure/bylaws) to run "at cost" and therefore can't simply waive fees? Or that Vanguard is unable/unwilling to cut...
by Electron
Sun Aug 30, 2020 2:07 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Prime Money Market changes, gets new name. Treasury Money Market reopened]
Replies: 176
Views: 17576

Re: [Vanguard Prime Money Market changes, gets new name. Treasury Money Market reopened]

So curious how this works since VG is client owned. As an example, why should share holders of another fund, say Total Stock, be on the hook for subsidizing a Municipal Money Market fund? I suppose this would get spread out across all the funds at VG and be similar to paying other overhead costs bu...
by Electron
Sat Aug 29, 2020 1:53 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Prime Money Market changes, gets new name. Treasury Money Market reopened]
Replies: 176
Views: 17576

Re: [Vanguard Prime Money Market changes, gets new name. Treasury Money Market reopened]

Here is a surprise in regards to fee waivers on Money Market funds. https://www.reuters.com/article/us-vanguard-fundfees/dont-call-it-a-fee-waiver-vanguard-shifts-money-fund-expenses-idUSKBN2481U0 "Vanguard Group Inc reallocated expenses on a $1.9 billion municipal money market fund, a spokesman sai...
by Electron
Sat Aug 29, 2020 12:51 pm
Forum: Personal Investments
Topic: Which money market at 37 federal/10 state?
Replies: 6
Views: 500

Re: Which money market at 37 federal/10 state?

You may also want to take a look at the tax exempt money market funds depending on your state. Note also that taxable money market funds may have some tax advantage for the state tax based on interest earned from U.S. Government obligations. That has been the case with the Treasury and Federal Money...
by Electron
Fri Aug 28, 2020 6:25 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Prime Money Market changes, gets new name. Treasury Money Market reopened]
Replies: 176
Views: 17576

Re: [Vanguard Prime Money Market changes, gets new name. Treasury Money Market reopened]

That could explain why Treasury MM yield is 0.08% compared to my model yield of 0.03%. Model yield is 7-day average of 1m, 2m and 3m averages of 1m, 2m and 3m Treasury yields respectively minus 0.09% ER. Great looking charts. The Vanguard site is now showing seven FRNs in the Treasury Money Market ...
by Electron
Fri Aug 28, 2020 4:36 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Prime Money Market changes, gets new name. Treasury Money Market reopened]
Replies: 176
Views: 17576

Re: [Vanguard Prime Money Market changes, gets new name. Treasury Money Market reopened]

Can someone confirm that the lazy/amateur move here for anyone with more than $3K in VMMXX is a straight transfer to VMRXX? It looks like investors will be converted automatically late 2020 through 2021. They don't state whether the Investor class fund will be closed or remain open. "What you need ...
by Electron
Fri Aug 28, 2020 1:10 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Prime Money Market changes, gets new name. Treasury Money Market reopened]
Replies: 176
Views: 17576

Re: [Vanguard Prime Money Market changes, gets new name. Treasury Money Market reopened]

I processed the Admiral Conversion yesterday and the online confirmation indicated that checkwriting was carried over to the new fund. That was apparently incorrect. Today the account options for the new Admiral fund account show N/A for checkwriting. I plan to safely dispose of the checkbook for th...
by Electron
Thu Aug 27, 2020 3:42 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Prime Money Market changes, gets new name. Treasury Money Market reopened]
Replies: 176
Views: 17576

Re: [Vanguard Prime Money Market changes, gets new name. Treasury Money Market reopened]

Vanguard states that the new fund will invest almost exclusively in cash, U.S. government securities, and/or repurchase agreements that are collateralized solely by U.S. government securities or cash. How do you invest in cash? I wonder if they mean cash equivalents that pay some interest. The new f...
by Electron
Thu Aug 27, 2020 1:15 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Prime Money Market changes, gets new name. Treasury Money Market reopened]
Replies: 176
Views: 17576

Re: Vanguard Makes Changes to its Money Market Funds - What's Best Now?

I just processed the conversion a few minutes ago. The checkwriting option carried over at least for the time being. That could change in late September or maybe the information is incorrect. Options that will be carried over to your new fund Dividends Reinvest Capital gains Reinvest Checkwriting Es...
by Electron
Wed Aug 26, 2020 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Preparer Documentation for Indirect Rollover and QCD
Replies: 11
Views: 509

Re: Tax Preparer Documentation for Indirect Rollover and QCD

Can't be sure but it sounds like the documents were just provided to the preparer so there was not extensive face-to-face communication? There was probably no face-to-face meeting as there was an established relationship between the taxpayer and a CPA firm. Things had gone smoothly before so the st...
by Electron
Tue Aug 25, 2020 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Preparer Documentation for Indirect Rollover and QCD
Replies: 11
Views: 509

Re: Tax Preparer Documentation for Indirect Rollover and QCD

Thanks all for the additional information. I posted these questions in part as a lessons learned exercise for the affected individual. Federal and state tax returns are being amended and that could easily have been avoided. It appears that incomplete documentation was submitted to the tax preparer a...
by Electron
Tue Aug 25, 2020 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Preparer Documentation for Indirect Rollover and QCD
Replies: 11
Views: 509

Re: Tax Preparer Documentation for Indirect Rollover and QCD

Thanks sport, kaneohe, and HueyLD for the help. This was a case where an individual took their RMD and several QCDs early and forgot to turn off their automatic RMD which processed later in the year. The second RMD amount was then rolled back into the IRA within 60 days. Without additional documenta...
by Electron
Tue Aug 25, 2020 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Preparer Documentation for Indirect Rollover and QCD
Replies: 11
Views: 509

Tax Preparer Documentation for Indirect Rollover and QCD

What are the correct documents to submit to a Tax Preparer to support an Indirect Rollover (IRA to IRA) and also a QCD? I've been working with another individual who discovered the hard way that Form 1099-R does not document an indirect rollover. The question about the QCD is a separate subject and ...
by Electron
Sat Aug 22, 2020 1:48 pm
Forum: Investing - Theory, News & General
Topic: Stock split mechanics
Replies: 29
Views: 1647

Re: Stock split mechanics

So does my basis per share simply get reduced to 25% of original too? That's correct. Just divide the original purchase price per share by four. You can now check the result. The new number of shares per lot times the adjusted cost basis per share should equal the original dollar amount of the purc...
by Electron
Sat Aug 22, 2020 1:29 pm
Forum: Investing - Theory, News & General
Topic: Stock split mechanics
Replies: 29
Views: 1647

Re: Stock split mechanics

Assume I have 10 shares as of Aug 20. Purchased in 2 lots of 5 shares each. Lot #1 basis = $1,000. Lot #2 basis = $1,500. After the split, I’ll have 40 shares but at 25% of the value each. What is my basis in each of my 2 lots? The dollar basis in each lot remains the same after the split. You will...
by Electron
Fri Aug 21, 2020 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard’s online RMD tool updated to facilitate QCDs
Replies: 23
Views: 2734

Re: Vanguard’s online RMD tool updated to facilitate QCDs

She told me that the online tool for requesting an RMD (if you have not set up auto distributions) has recently been updated to make it easier to request QCDs. That's great news and I confirmed that it works for my case. Doesn't it still work even if Automatic RMD Distributions are set up? If it do...
by Electron
Fri Aug 21, 2020 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: AMT hump and phaseout
Replies: 9
Views: 741

Re: AMT hump and phaseout

The parameters of the AMT changed considerably with the 2017 TCJA legislation. Thanks for pointing out the date of the first article. Even with the earlier exemptions and thresholds, the chart is still very helpful in understanding the AMT bump zone. The second article addresses the situation today...
by Electron
Thu Aug 20, 2020 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: AMT hump and phaseout
Replies: 9
Views: 741

Re: AMT hump and phaseout

Michael Kitces has written several articles discussing the AMT bump zone. Take note of the charts. https://www.kitces.com/blog/evaluating-exposure-to-the-alternative-minimum-tax-and-strategies-to-reduce-the-amt-bite/ https://www.kitces.com/blog/final-gop-tax-plan-summary-tcja-2017-individual-tax-bra...
by Electron
Mon Aug 17, 2020 2:17 pm
Forum: Personal Investments
Topic: Risk comparison: VMMXX vs VMFXX vs VUSXX?
Replies: 28
Views: 14251

Re: Risk comparison: VMMXX vs VMFXX vs VUSXX?

VMFXX is now yielding higher than VMMXX so i guess its a no brainer to use the default settlement account. Lower state taxes as well. It is surprising to see Prime Money Market yielding less than the Federal and Treasury Money Market funds. That is generally not the case. The higher yields may be t...
by Electron
Sat Aug 08, 2020 12:55 pm
Forum: Investing - Theory, News & General
Topic: Ken Moraif must be getting nervous
Replies: 88
Views: 24712

Re: Ken Moraif must be getting nervous

Moraif bought back in today to 75% of the equity positions of his clients. What a crazy strategy! That does seem to be a major reversal of his earlier concerns about the pandemic and economy. I often hear his radio programs over the weekend on two different radio stations in my area. The funds they...
by Electron
Sat Aug 08, 2020 12:18 pm
Forum: Personal Consumer Issues
Topic: Speed up old computer
Replies: 64
Views: 3443

Re: Speed up old computer

I find windirstat to be a helpful way to track down what's using up the space on a drive (https://windirstat.info/) Another useful program is Autoruns which is now a Microsoft program. The utility shows all the programs that run at startup. https://docs.microsoft.com/en-us/sysinternals/downloads/au...
by Electron
Fri Aug 07, 2020 1:51 pm
Forum: Personal Consumer Issues
Topic: Speed up old computer
Replies: 64
Views: 3443

Re: Speed up old computer

So far everything runs smoothly. The difference in speed is night and day on startup. Well worth it. Great to hear that your SSD is up and running. I did something very similar with my 4th generation i5-4440 system and also used Macrium Reflect. The mechanical fit in my drive bay was also very tigh...
by Electron
Thu Aug 06, 2020 12:59 pm
Forum: Personal Consumer Issues
Topic: Speed up old computer
Replies: 64
Views: 3443

Re: Speed up old computer

Temperature can be a concern with SSDs if you run any disk intensive applications. https://harddrivegeek.com/ssd-temperature/ The Samsung Magician utility that I use with my SSD shows Temperature along with Drive Health on the main screen. Drive Health is related to the total number of erase and wri...
by Electron
Wed Aug 05, 2020 2:00 pm
Forum: Investing - Theory, News & General
Topic: Why no love for leveraging Junk Bonds?
Replies: 43
Views: 2302

Re: Why no love for leveraging Junk Bonds?

Thanks for posting. The spreads on CEFs seem to be a concern though. Closed End funds can trade at a significant premium or discount to NAV. There can be an advantage when buying at a large discount. A discount can also help compensate for the higher fund expenses seen in most of these funds. Disco...
by Electron
Mon Aug 03, 2020 6:21 pm
Forum: Investing - Theory, News & General
Topic: Why no love for leveraging Junk Bonds?
Replies: 43
Views: 2302

Re: Why no love for leveraging Junk Bonds?

Take a look at the closed end funds investing in junk bonds. Many do employ leverage. There are fund screeners available on sites such as CEF Connect.

Here is a PIMCO fund as one example. The leverage is shown on the tab labeled Fund Basics.

https://www.cefconnect.com/fund/PHK
by Electron
Thu Jul 30, 2020 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard's Automatic RMD Service, QCDs, and Other Withdrawals
Replies: 50
Views: 3005

Re: Vanguard's Automatic RMD Service, QCDs, and Other Withdrawals

Can anyone answer this. For the Vanguard automatic RMD service, can they take the RMD from any mutual fund or ETF in your account, or only from Vanguard mutual funds? My Vanguard 2020 RMD Service Agreement states the following under Distribution options: "You can take your RMD amount only from Vang...
by Electron
Wed Jul 29, 2020 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone get their 5498 for tax year 2019
Replies: 22
Views: 2031

Re: Anyone get their 5498 for tax year 2019

A family member just told me that Form 5498 posted to their Vanguard account two days ago. Here is the information posted on the site. https://investor.vanguard.com/taxes/tax-forms/ Form 5498 When it will be ready Mid-August (for all account types). Why August? Because contributions can be made unti...
by Electron
Mon Jul 27, 2020 2:44 pm
Forum: Investing - Theory, News & General
Topic: What's happening with Muni Money Market fund yields?
Replies: 153
Views: 14924

Re: What's happening with Muni Money Market fund yields?

Here is some interesting information on mutual fund expense waivers. The article may not appear a second time unless you delete the cookie associated with the site. https://cranedata.com/archives/all-articles/7617/ "In this environment, most money market funds adopted expense waivers to ensure that ...
by Electron
Sun Jul 26, 2020 1:48 pm
Forum: Investing - Theory, News & General
Topic: What's happening with Muni Money Market fund yields?
Replies: 153
Views: 14924

Re: What's happening with Muni Money Market fund yields?

Kevin - Thanks for the two nicely formatted charts and analysis. It does make sense that short term municipal yields have made one of their cyclical moves. It will be interesting to watch this play out going forward. Looking back to the previous period of low rates, I do seem to recall Vanguard abso...
by Electron
Sat Jul 25, 2020 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: New RMD Schedule
Replies: 20
Views: 2317

Re: New RMD Schedule

In case anyone is having difficulty finding the proposed changes mentioned in the Kitces article, here are the links to the information and tables. https://s3.amazonaws.com/public-inspection.federalregister.gov/2019-24065.pdf The next link is a document covering only the Uniform Lifetime table. http...