Search found 60 matches

by Ricchan
Fri Dec 07, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Occlusal guard (night guard) from dentist vs online
Replies: 10
Views: 881

Occlusal guard (night guard) from dentist vs online

My dentist says I need a custom fitted occlusal guard (aka night guard) for my night time bruxism (teeth grinding). It costs $560 to get them from the dentist, supposedly because they take an impression of your teeth and create a custom guard from it. I looked around online and found alternatives fo...
by Ricchan
Fri Dec 07, 2018 9:48 am
Forum: Investing - Theory, News & General
Topic: We Are Teetering on the Edge of A DEATH CROSS
Replies: 50
Views: 8474

Re: We Are Teetering on the Edge of A DEATH CROSS

As someone who doesn't watch financial news, the only time I hear about stuff like "DEATH CROSS" is on these forums.

Great, now I can't get that Alanis Morissette song out of my head.
by Ricchan
Wed Dec 05, 2018 4:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8605
Views: 1677994

Re: U.S. stocks in freefall

Real estate values are more volatile than we think, we just don't see it because our homes and commercial properties don't trade on an exchange. If we saw a ticker symbol for our house roll across the screen on CNBC, we would be pretty surprised. If your neighbor neglects his yardwork for a while, ...
by Ricchan
Fri Nov 30, 2018 11:26 am
Forum: Investing - Theory, News & General
Topic: Doing TLH manually
Replies: 18
Views: 1144

Re: Doing TLH manually

I personally would avoid attempting to TLH funds that track the same index, even if they are from different fund families.
by Ricchan
Fri Nov 30, 2018 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Saving Passwords w/Google & Online Fraud Protection
Replies: 8
Views: 1105

Re: Saving Passwords w/Google & Online Fraud Protection

I'm not advocating Google Chrome's password manager over a third party password manager, but I'm not sure if one is that much more safe than the other, at least insofar as many people seem to assume. A third party password manager may have more usability benefits for sure, but in terms of security, ...
by Ricchan
Wed Nov 28, 2018 2:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 411
Views: 46890

Re: U.S. stocks continue to soar!

Fed Chair Jerome Powell spoke at Economic Club of New York today.
https://youtu.be/ksGtV-FFfVk?t=1425
by Ricchan
Sun Nov 18, 2018 6:12 pm
Forum: Investing - Theory, News & General
Topic: Prime MM vs 6-month Treasury in IRA
Replies: 91
Views: 9417

Re: Prime MM vs 6-month Treasury in IRA

The opportunity cost of holding onto cash in Prime MM, currently at 2.25%, vs buying a 6-month bill at 2.51%, is only 0.26%. For an amount of, say, $100k, that's about $21.67 per month. And with Prime MM yield likely to increase, that's probably going to be even less. Is that worth the cost of knowi...
by Ricchan
Sat Nov 17, 2018 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Beta Vanguard APP
Replies: 10
Views: 622

Re: Beta Test New Vanguard App... Is this a scam?

it is the same email as their announcements so far it is not a spoof vanguard@eonline.e-vanguard.com Also I'd posted this on the board https://www.bogleheads.org/forum/viewtopic.php?f=1&t=264108 You'd think they would send email from vanguard.com instead of a scammy looking alternate domain like e-...
by Ricchan
Sat Nov 17, 2018 12:05 pm
Forum: Investing - Theory, News & General
Topic: Ally just raised Online Savings accounts to 2% APY
Replies: 66
Views: 6423

Re: Ally just raised Online Savings accounts to 2% APY

The compound yield that Vanguard lists is still the 7-day SEC yield, just compounded based on however frequently they compound interest. You may not be able to look it up but it can be computed using the 7-day SEC yield. I was afraid you would say that. I was hoping for an easy cheat sheet to looku...
by Ricchan
Sat Nov 17, 2018 11:25 am
Forum: Investing - Theory, News & General
Topic: Ally just raised Online Savings accounts to 2% APY
Replies: 66
Views: 6423

Re: Ally just raised Online Savings accounts to 2% APY

I think you may be using compound yield for some but not others. The bank rates were all copied / pasted from the bank's advertised APY on their website that day. Vanguard's MM numbers are the 7-day SEC yields from their fund profile page. It's possible I may have made mistakes with the manual data...
by Ricchan
Sat Nov 17, 2018 11:13 am
Forum: Investing - Theory, News & General
Topic: Ally just raised Online Savings accounts to 2% APY
Replies: 66
Views: 6423

Re: Ally just raised Online Savings accounts to 2% APY

lisaneedsbraces wrote:
Sat Nov 17, 2018 10:56 am
I think you may be using compound yield for some but not others.
The bank rates were all taken from the bank's advertised APY on their website that day. Vanguard's MM numbers are the 7-day SEC yields from their fund profile page. It's possible I may have made mistakes with the manual data entries.
by Ricchan
Sat Nov 17, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: Ally just raised Online Savings accounts to 2% APY
Replies: 66
Views: 6423

Re: Ally just raised Online Savings accounts to 2% APY

For the past couple months I've been keeping track of rates from the banks I use or have used in the past, as well as Vanguard's Prime MM and Muni MM SEC yields. I usually added to the sheet on either Sat or Sun. Black = increase since last period, gray = same, red = decrease. CO = Capital One, and ...
by Ricchan
Sat Nov 17, 2018 9:37 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8605
Views: 1677994

Re: U.S. stocks in freefall

Stipends are also received while you're doing your normal graduate course work. Sure, you may end up doing a lot of mundane tasks for your advisor and end up feeling like a lab monkey, but you are still gaining experience that constitutes part of your "education." Because of that, I always saw stipe...
by Ricchan
Fri Nov 16, 2018 3:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8605
Views: 1677994

Re: U.S. stocks in freefall

I imagine most people who went through college would associate TA with teaching assistant, since that's who you would interact with most of the time when your professors weren't available, not to mention the precepts / recitations they normally lead.
by Ricchan
Sun Nov 11, 2018 1:29 pm
Forum: Investing - Theory, News & General
Topic: Bond prices vs yields
Replies: 17
Views: 1363

Re: Bond prices vs yields

Just wanted to say thanks for the replies to my earlier question and the follow up discussions. There were some very helpful comments and links to other useful posts. I appreciate the point made about the the typical retirement being a slow decumulation over a long period of time. There seems to be ...
by Ricchan
Sat Nov 10, 2018 4:56 pm
Forum: Investing - Theory, News & General
Topic: Bond prices vs yields
Replies: 17
Views: 1363

Re: Bond prices vs yields

So the risk of a bond depends on the match between your bond maturity and your consumption (i.e. when you need the money). If you perfectly match your bond maturities with your consumption needs, then you have no additional risk after you've bought the bond. You'll get exactly what you expected to ...
by Ricchan
Sat Nov 10, 2018 1:49 pm
Forum: Investing - Theory, News & General
Topic: Bond prices vs yields
Replies: 17
Views: 1363

Re: Bond prices vs yields

I want to admit to being totally confused by bonds. The yield appears to be putting money in my virtual pocket as the price appears to be depleting my bottom line. Would anyone care to explain? On Monday, I offer you a bond for $1,000 that pays 5% interest over 2 years. That's going to be worth $1,...
by Ricchan
Fri Nov 09, 2018 6:48 pm
Forum: Investing - Theory, News & General
Topic: Vanguard closure last week
Replies: 21
Views: 4736

Re: Vanguard closure last week

I don't recall giving the Philly Inquirer permission to quote me... :moneybag :moneybag :moneybag :moneybag At least they spelled your name correctly. :( Regarding the OP's question, the article did have this to say about it. Vanguard, for its part, issued a statement Monday saying: "Over the weeke...
by Ricchan
Sat Nov 03, 2018 1:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18462

Re: Vanguard website "unavailable during weekend of Nov 3"

Entire new hardware/ computer server suite being installed as the main public WWW interface machine? If they're just updating their frontend servers, I don't think that would require downtime. In theory you should be able to develop and test new frontend servers in parallel and just redirect the lo...
by Ricchan
Tue Oct 30, 2018 11:01 am
Forum: Investing - Theory, News & General
Topic: Giving up on GoogleSpreadsheets. Need alternative.
Replies: 29
Views: 3927

Re: Giving up on GoogleSpreadsheets. Need alternative.

Just in case some people aren't aware, Excel recently made native stock quote functions available to beta users via their Office Insiders program. I'm not sure if/when it will be official, but if you join the Office Insiders program, you'll probably get access to it whenever your Excel pulls an upda...
by Ricchan
Sat Oct 27, 2018 3:06 am
Forum: Investing - Theory, News & General
Topic: Historical Data for Assets Under Management
Replies: 2
Views: 331

Re: Historical Data for Assets Under Management

That's a good find, thanks! I may try it out later when I get more time/motivation, but for now I've just manually copied data from the SEC filings and created a couple simple charts in Excel to satisfy my curiosity. I only went back a couple years, so it didn't take too long. :) Here's a screenshot...
by Ricchan
Fri Oct 26, 2018 11:54 pm
Forum: Investing - Theory, News & General
Topic: Historical Data for Assets Under Management
Replies: 2
Views: 331

Historical Data for Assets Under Management

Is there a way to see historical assets under management for Vanguard funds, preferably at monthly or smaller intervals? I know you can lookup AUM from SEC's EDGAR search, but those are only reported quarterly. There's also this site , but it looks like it hasn't been updated since mid 2016. I'm mai...
by Ricchan
Fri Oct 26, 2018 3:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8605
Views: 1677994

Re: U.S. stocks in freefall

nedsaid wrote:
Fri Oct 26, 2018 11:07 am
The next time I hear about how the retail investors are dumb and the institutions are smart, I think I am going to scream.
Immediately, this image popped into my head.
by Ricchan
Fri Oct 26, 2018 1:05 am
Forum: Investing - Theory, News & General
Topic: Cash Parking Lot: Prime MM or limited term tax exempt?
Replies: 19
Views: 2491

Re: Cash Parking Lot: Prime MM or limited term tax exempt?

For cash that you may or may not need in short term... For cash I may need in the short term, I would want something with a NAV that doesn't fluctuate. So between the two, I'd use the Prime MM. If you are in a high tax bracket and worried about the tax hit from Prime MM, you could look at Muni MM. ...
by Ricchan
Thu Oct 25, 2018 11:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18462

Vanguard website "unavailable during weekend of Nov 3"

Saw this message at the top of the Vanguard website just now: https://i.imgur.com/YiOQykz.png If they're going to be down the entire weekend, that might be a cause for concern for anyone who had planned to place orders during that weekend for the Nov. 5 Treasury auction for 13-week and 26-week bills...
by Ricchan
Fri Oct 12, 2018 12:26 pm
Forum: Investing - Theory, News & General
Topic: When Markets Tank, Do This - Jason Zweig
Replies: 5
Views: 2917

Re: When Markets Tank, Do This - Jason Zweig

Weird, the private / incognito browser method works for me using Chrome. (I even double checked it just now-- blocked in a normal window, viewable in an incognito window.) Maybe WSJ is just finicky about it? But regardless, the facebook referral bookmarklet is also a nice trick, so thanks for pointi...
by Ricchan
Thu Oct 11, 2018 7:39 pm
Forum: Investing - Theory, News & General
Topic: When Markets Tank, Do This - Jason Zweig
Replies: 5
Views: 2917

Re: When Markets Tank, Do This - Jason Zweig

Just popping in here to say you can often view paywall'ed articles by opening them in a private / incognito browser window, for those who don't already know. :beer
by Ricchan
Sun Oct 07, 2018 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Which is better CD - rates and terms?
Replies: 65
Views: 5734

Re: Which is better CD - rates and terms?

I'm confused. Vanguard has not charged me commissions to buy CDs. They don't charge commission for new issue CDs, but they do for CDs on the secondary market. https://investor.vanguard.com/investing/transaction-fees-commissions/cds-bonds Commissions are under "CDs & bonds" ... "EXISTING ISSUES"
by Ricchan
Sun Oct 07, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Which is better CD - rates and terms?
Replies: 65
Views: 5734

Re: Which is better CD - rates and terms?

Strictly between the two, I think the 24 mo. CD for 3% is a better deal. A bump of 0.50% for extending duration 6 months is pretty good. For the sake of comparison, Vanguard has new issue 24 mo. CDs at 2.95% right now, and a 16 mo. CD on the secondary market at 2.836% (Ally Bk Sandy Utah, matures on...
by Ricchan
Wed Sep 26, 2018 5:30 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 484
Views: 74120

Re: 2-year CDs at Vanguard and Fidelity Today

Just logged in to Vanguard (after hours) and saw Wells Fargo with a 2.950% new issue 2 year CD.

Image
by Ricchan
Mon Sep 17, 2018 6:11 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 484
Views: 74120

Re: 2-year CDs at Vanguard and Fidelity Today

Thanks, Kevin, for looking into and sharing info about the secondary market CDs. I have a pending order for a transfer from my Vanguard settlement account to Prime MM and it shows a cancel option. Maybe they only have the cancel option for Vanguard funds. Yes, I've always had the option to cancel mu...
by Ricchan
Mon Sep 17, 2018 8:58 am
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 484
Views: 74120

Re: 2-year CDs at Vanguard and Fidelity Today

Maybe you can check again when the market is open. It doesn't seem to be an option during market open hours either (checked just now). If you cannot cancel an order on-line, perhaps a phone call will do the job. I may end up doing this. Besides possible higher CD rates, the upcoming 2 year treasury...
by Ricchan
Sun Sep 16, 2018 12:35 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 484
Views: 74120

Re: 2-year CDs at Vanguard and Fidelity Today

If a higher rate comes along before then, I believe you could cancel your order and replace it with an order at the higher rate. I was actually checking that out yesterday after having placed a buy order for " WELLS FARGO BANK NA SIOUX FALLS SD CD FDIC #03511 2.9% 09/28/20 09/28/18 " the day before...
by Ricchan
Thu Sep 13, 2018 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: Best bonds securities for Taxable account
Replies: 14
Views: 1982

Re: Best bonds securities for Taxable account

Ricchan... In calculating tax-equivalent SEC yields for these funds, are you taking into account the federal tax on capital gains ? The SEC yield formula excludes realized capital gains . Thanks for clearing this up, I had assumed realized capital gains were included. A bit of confusion exists depe...
by Ricchan
Thu Sep 13, 2018 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Best bonds securities for Taxable account
Replies: 14
Views: 1982

Re: Best bonds securities for Taxable account

Ricchan... In calculating tax-equivalent SEC yields for these funds, are you taking into account the federal tax on capital gains ? The SEC yield formula excludes realized capital gains . I'm just dividing SEC yield by ( 1 - tax_rate ). Since the SEC yield formula excludes capital gains and include...
by Ricchan
Wed Sep 12, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Should I Convert Traditional IRA to Roth, and How Do I Pay Estimated Tax
Replies: 31
Views: 2393

Re: Should I Convert Traditional IRA to Roth, and How Do I Pay Estimated Tax

Here's a comparison of this portfolio with a simple three-fund portfolio: https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&endYear=2018&lastMonth=12&endDate=09%2F10%2F2018&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=t...
by Ricchan
Tue Sep 11, 2018 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Should I Convert Traditional IRA to Roth, and How Do I Pay Estimated Tax
Replies: 31
Views: 2393

Re: Should I Convert Traditional IRA to Roth, and How Do I Pay Estimated Tax

What you are missing is a good low cost bond fund. Is there a stable value fund available? If yes, what it is paying this year? I have some BND ETF in my tIRA, and I consider (67% of) the Wellesley Income Fund as part of my bond allocation. As for bond funds in my 401k, what I listed is all I have ...
by Ricchan
Tue Sep 11, 2018 7:59 am
Forum: Investing - Help with Personal Investments
Topic: Best bonds securities for Taxable account
Replies: 14
Views: 1982

Re: Best bonds securities for Taxable account

To expand on what exigent said, here's a table of the various municipal bond funds at Vanguard with their current tax equivalent SEC yields for the 22% bracket. Term Exp SEC Yield 22% TEY VMLTX Limited-Term Tax-Exempt Short 0.19 1.95 2.50 VWSTX Short-Term Tax-Exempt Short 0.19 1.68 2.15 VWITX Interm...
by Ricchan
Tue Sep 11, 2018 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Should I Convert Traditional IRA to Roth, and How Do I Pay Estimated Tax
Replies: 31
Views: 2393

Re: Should I Convert Traditional IRA to Roth, and How Do I Pay Estimated Tax

If your 401k has Wellesley Income, it is unlikely that is the only good choice you have available. I'd be happy if that were the case. Maybe I'm overlooking something, but here is what is available. Category Exp Load SEC Yield RGAGX American Funds Growth Fund of Amer R6 Large Growth 0.33 0 0.8 DLTN...
by Ricchan
Sun Sep 09, 2018 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Convert Traditional IRA to Roth, and How Do I Pay Estimated Tax
Replies: 31
Views: 2393

Re: Should I Convert Traditional IRA to Roth, and How Do I Pay Estimated Tax

...doing a conversion now would result in taxes being paid on a smaller amount than paying taxes after the assets have appreciated in value, which would help offset the difference in tax rate between now and retirement. No, it wouldn't. See the commutative property of multiplication as it applies t...
by Ricchan
Sun Sep 09, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Convert Traditional IRA to Roth, and How Do I Pay Estimated Tax
Replies: 31
Views: 2393

Re: Should I Convert Traditional IRA to Roth, and How Do I Pay Estimated Tax

The non-deductrible contribution came from myself. I've been putting $5.5k in my IRA every year as contribution limits allow, and this was the first year I did so while also having a 401k. Is it not advisable to contribute to an IRA, even if it is non-deductible? Do you not still take advantage of ...
by Ricchan
Sun Sep 09, 2018 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Convert Traditional IRA to Roth, and How Do I Pay Estimated Tax
Replies: 31
Views: 2393

Re: Should I Convert Traditional IRA to Roth, and How Do I Pay Estimated Tax

Now, if your current 401k has decent investment options and fees, and will accept incoming rollovers from your IRA, you might 1) Roll over your current pre-tax IRA balance to the 401k 2) Convert this year's non-deductible contribution to Roth 3) Include Form 8606 when you file 2018 taxes. Thanks fo...
by Ricchan
Sun Sep 09, 2018 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Convert Traditional IRA to Roth, and How Do I Pay Estimated Tax
Replies: 31
Views: 2393

Re: Should I Convert Traditional IRA to Roth, and How Do I Pay Estimated Tax

I DONT see any benefit of converting TIRA to Roth IRA this year. Why do you want to do it this year? What was your income the last 7 years? There's no reason for me doing it this year other than the fact that I never thought about it until now. :oops: I probably should have started doing backdoor R...
by Ricchan
Sun Sep 09, 2018 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Convert Traditional IRA to Roth, and How Do I Pay Estimated Tax
Replies: 31
Views: 2393

Re: Should I Convert Traditional IRA to Roth, and How Do I Pay Estimated Tax

It is not smart to convert while in a high tax bracket. It also appears you may pay a higher tax rate than your rate when you deducted the contributions in the first place. That is backwards. You should defer taxes while your rate is high and convert when your rate is low. I agree with this general...
by Ricchan
Sun Sep 09, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Convert Traditional IRA to Roth, and How Do I Pay Estimated Tax
Replies: 31
Views: 2393

Re: Should I Convert Traditional IRA to Roth, and How Do I Pay Estimated Tax

mtbouchard wrote:
Sun Sep 09, 2018 3:42 pm
2. To me, during retirement the ideal is a combo of both 401k and Roth: take out from 401k up to first tax bracket and the rest from ROTH.
That makes a lot of sense. I never really thought about it that way. Thanks for the input! :)
by Ricchan
Sun Sep 09, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Convert Traditional IRA to Roth, and How Do I Pay Estimated Tax
Replies: 31
Views: 2393

Should I Convert Traditional IRA to Roth, and How Do I Pay Estimated Tax

Hello bogleheads, Background: I had a 401k through a prior job. When I changed jobs 7 years ago, I did not participate in the new company's 401k (for various reasons probably not relevant here), and rolled over my prior company's 401k to a Traditional IRA ($25k worth). I've been making $5.5k yearly ...
by Ricchan
Tue Sep 04, 2018 11:35 pm
Forum: Investing - Help with Personal Investments
Topic: VSUXX vs VMMXX vs VMFXX vs Money Market (FDIC insured)
Replies: 23
Views: 4869

Re: VSUXX vs VMMXX vs VMFXX vs Money Market (FDIC insured)

The answer probably depends on the tax rate of the state you live in. - VSUXX , being a treasury fund, is only taxable at the federal level. - VMMXX is taxable at both federal and state levels. - VMFXX is more complicated, but in general is partially taxable at only the federal level, and partially ...
by Ricchan
Sun Sep 02, 2018 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Questions for those that set up a trust
Replies: 5
Views: 852

Re: Questions for those that set up a trust

Did you use a corporate trustee or a family member trustee? I'm the sole trustee for a family trust. Did you set up an LLC to hold the trust assets, and then put the LLC under the trust? Or did you title the assets directly under the trust's name? All assets are held directly by the trust. For ETFs...
by Ricchan
Wed Aug 29, 2018 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 256
Views: 35526

Re: Vanguard Municipal Money Market VMSXX 1.39%

Not sure if it's indicative of anything, but Prime Money Market has been pretty flat the past 30 or so days. VMMXX PRICE YIELD ------------------------------ 07/30/2018 $1.00 2.06% 07/31/2018 $1.00 2.06% 08/01/2018 $1.00 2.06% 08/02/2018 $1.00 2.06% 08/03/2018 $1.00 2.06% 08/06/2018 $1.00 2.05% 08/0...
by Ricchan
Wed Aug 29, 2018 7:20 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 131
Views: 10153

Re: [New Vanguard website layout starting Saturday, August 11]

I don't like the new look. I've been using it for the past two weeks in an attempt to give the new look a chance to grow on me, but it has done anything but that. 1. White background everywhere. Previously, the intermittent beige backgrounds helped separate and define table headers, sections, and di...