Search found 1472 matches

by hudson
Sun Sep 23, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 186
Views: 10861

Re: iPhone XS Max

I then put it inside a waterproof case. But thus far, it has survived numerous canyons. I'm sure it has been below 2m too as I jumped into pools but I don't dare take it SCUBA diving as neither the case or the phone is rated to below 2m. My phone has not been tested like that. After almost every hi...
by hudson
Sat Sep 22, 2018 6:27 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 186
Views: 10861

Re: iPhone XS Max

Come up with a new feature I want, and I'll fork out for it. The last time that happened was the iPhone 7 - I wanted the waterproof feature. So far it has worked very well. My thoughts exactly. Last year, I bought the 8 for the water proofing. No more zip lock bags when walking in the rain. The new...
by hudson
Sat Sep 22, 2018 4:34 pm
Forum: Personal Consumer Issues
Topic: True cost of a [dental] implant
Replies: 71
Views: 10903

My Implant

In Progress... May 1...remove root...$132 Aug 2....xray....$125 Sep 4....implant...$2200 (Amazing...reminds me of when I stripped the spark plug threads on my 69 VW; a mechanic used some kind of sav-a-thread insert and then screwed in the spark plug) The dentist and the mechanic used a socket wrench...
by hudson
Sat Sep 22, 2018 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 50
Views: 3117

Re: Tax Loss Harvest (TLH) VWIUX

I'm in the process of selling VWIUX to harvest a short term loss. As soon as the sale completes, I plan to buy VTEB or MUB to replace it for at least 30 days. VWIUX = Vanguard Intermediate-Term Tax-Exempt Fund Admiral Shares VTEB = Vanguard Tax-Exempt Bond ETF MUB = iShares National Muni Bond ETF W...
by hudson
Sat Sep 22, 2018 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 50
Views: 3117

Re: NEW QUESTION: Harvest again in less than 31 days

goingup

Thanks! I only checked Vanguard's Cost Basis button; I never looked at the actual price differences.
by hudson
Sat Sep 22, 2018 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 50
Views: 3117

House Blend...Useful Comment in another discussion

House Blend...Useful Comments in another discussion

He talks about using ETFs as a TLH partner with Vanguard Munis.
He likes using 50:50 V. Long Muni and V. Limited Term Muni as a TLH partner with V. Intermediate Term Muni


viewtopic.php?p=4129776#p4129776
by hudson
Sat Sep 22, 2018 11:40 am
Forum: Investing - Theory, News & General
Topic: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]
Replies: 38
Views: 3278

Re: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]

FWIW, I harvested losses from VWIUX on Tuesday this week. I exchanged it for a 2:1 mix of Long Term and Limited Term Tax Exempt. This ratio approximates both the current yield and duration of Intermediate. Good idea! I also harvested...all to Lim. Term Tax Exempt. Maybe next time... House Blend...t...
by hudson
Sat Sep 22, 2018 5:36 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 50
Views: 3117

NEW QUESTION: Harvest again in less than 31 days

I harvested from VWIUX (V. Int. Muni) to VMLUX (V. Limited T. Muni) on Sep. 14th...today is Sep 22d. VMLUX has a loss big enough to harvest. I don't think that I need to wait 31 days to harvest this new loss....do I? I would not go back to VWIUX. I would go from VMLUX to V. Short Muni or V. Long Mun...
by hudson
Fri Sep 21, 2018 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 50
Views: 3117

Re: Tax Loss Harvest (TLH) VWIUX

Speaking of MUB, I just saw an article that said that yesterday was MUB’s largest outflow in nearly two years. Did something happen in the municipal bond market yesterday while I was focusing on other things? I don't know the answer....but just some thoughts. Over the last month the 10 year treasur...
by hudson
Fri Sep 21, 2018 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 50
Views: 3117

Re: Tax Loss Harvest (TLH) VWIUX

Have learned I was making another mistake. What? The LT national fund does not have "bonus dividends". Why? Because the SEC Yield calculation is based on shares outstanding. So, no bonus shares = no bonus dividends. See answer: https://www.bogleheads.org/forum/viewtopic.php?p=4130742#p4130742 Sorry...
by hudson
Fri Sep 21, 2018 12:40 pm
Forum: Investing - Theory, News & General
Topic: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]
Replies: 38
Views: 3278

Re: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]

Still not sure if it's worth worrying about since neither I nor my accountant will be calculating the daily interest and I can barely count on my gain-loss reports to show the correct basis on the easy stuff. I can't explain why ETFs are a problem when say TL Harvesting from VWIUX to MUB. I just kn...
by hudson
Fri Sep 21, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Leasing Cars in Retirement
Replies: 86
Views: 6091

Re: Leasing Cars in Retirement

Wanted to get others thoughts on leasing cars in retirement in lieu of triggering an additional taxable event by spending down investments. Thinking $350 or so monthly for three years within mileage allowances, wash and repeat. Pluses are covered maintenance and investments continue to grow. Please...
by hudson
Fri Sep 21, 2018 12:18 pm
Forum: Investing - Theory, News & General
Topic: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]
Replies: 38
Views: 3278

Re: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]

daveydoo, I've harvested from Vang. Intermed Muni...VWIUX to other Vang. Munis...no penalty. I recently started to TLH from VWIUX to MUB; I heard that there could be a tax penalty; I did not research how big a deal it was. I changed horses to Vang Limited Term. https://www.bogleheads.org/forum/viewt...
by hudson
Thu Sep 20, 2018 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 50
Views: 3117

Re: Tax Loss Harvest (TLH) VWIUX

Thanks again Dratkinson! I've owned both the Vang. Long Muni and BMBIX; at this time I'm OK with VWIUX. No research needed. I think that I made good harvest getting a good short term capital loss. (Vang. Intermediate Muni to Vang Limited Term Muni) Thanks to this discussion, I didn't go to an ETF li...
by hudson
Wed Sep 19, 2018 7:24 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 50
Views: 3117

Re: Tax Loss Harvest (TLH) VWIUX

Dratkinson: Prefunded: I'd like to see what you find out.
I owned BMBIX for several years and didn't notice any tax issues...that doesn't mean a whole lot.
I did a quick search and found something about "refunded" in a tax bill...but nothing in a tax law.
by hudson
Wed Sep 19, 2018 5:18 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 50
Views: 3117

What Would L Swedroe, R Ferri, and W.Bernstein Buy?

Thanks Dratkinson! Vang. Long Muni is looking better! Using these numbers what would Larry, Rick, or Bill buy? My guess is that Larry and Bill would go with BMBIX; Rick would split VWIUX and VWLUX. Dratkinson would go with VWLUX; Hudson would go with VWIUX; Artsdoctor would go with VWIUX. (Larry wou...
by hudson
Tue Sep 18, 2018 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 50
Views: 3117

Re: Tax Loss Harvest (TLH) VWIUX

I'd be hard-pressed to find two bond experts more qualified than Larry Swedroe and Annette Thau. I don't think that they contradict each other: both advocate intermediate-term bonds over long-term bonds since you're going to get a decent return even when compared to long-term bonds with less risk. ...
by hudson
Tue Sep 18, 2018 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 50
Views: 3117

Re: Tax Loss Harvest (TLH) VWIUX

Thanks again Dratkinson! I am also very tempted by Vang.'s long muni fund. Thanks for sharing your rationale! I pretty much agree with all. Have you looked at Baird's Intermediate Muni BMBIX? I know the yield stinks; I would bet the Larry S would approve. The last time I looked it was AAA/AA all the...
by hudson
Mon Sep 17, 2018 7:16 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 50
Views: 3117

Re: Tax Loss Harvest (TLH) VWIUX

I've edited my post above with additional thoughts that may interest you. If you TLH to VWLTX, I'd be curious to know your thoughts/experience. If you make it back to VWIUX. Or not. :) Thanks Dratkinson! I've TLHed to Vang.'s Long Muni before...nice distributions. I think that I need to stay away f...
by hudson
Sun Sep 16, 2018 8:04 am
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Still Recommended?
Replies: 142
Views: 10153

Taylor Larimore Recommendation From May 2016

I have a simple asset-allocation in retirement:
The money I cannot afford to lose is in fixed-income. The rest is in stock funds.


viewtopic.php?p=2909645#p2909645
by hudson
Sat Sep 15, 2018 3:11 pm
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Still Recommended?
Replies: 142
Views: 10153

Re: Age in Bonds - Still Recommended?

A few random thoughts...that've probably already been said....lots of great advice. Age in bonds is a great starting point. Consider reading Swedroe, Larimore, Ferri, and W. Bernstein...but you probably already have. There are lots of brave souls out there since the market is doing well. (I used to ...
by hudson
Fri Sep 14, 2018 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 50
Views: 3117

Re: Tax Loss Harvest (TLH) VWIUX

Dratkinson,

Thanks again!
I think that limited term or muni money market are both better than ETFs for the TLH swap.
I agree about the long muni bond dark side...but let's reach for a little yield!
by hudson
Fri Sep 14, 2018 6:00 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 50
Views: 3117

Re: Tax Loss Harvest (TLH) VWIUX

Thanks Dratkinson! It looks like ETFs won't work...tax problems. I'm glad that I asked the question! Vanguard limited term, short term or long term would all work. The shorter term munis are safer; the Vanguard long muni is Vang. Risk Potential 3...but attractive. The Vang. muni money market looks l...
by hudson
Thu Sep 13, 2018 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 50
Views: 3117

Re: Tax Loss Harvest (TLH) VWIUX

Bloom2708 : Limited Term Tax Exempt (VMLUX) does have its benefits for TLH as ARTSDOCTOR said. He said that I could be subject to the 6-month rule for handling losses in tax-exempt investments if I bought MUB; I would be OK if I bought VMLUX. The question is....what does the 6-month rule apply to? ...
by hudson
Thu Sep 13, 2018 5:53 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 50
Views: 3117

Tax Loss Harvest (TLH) VWIUX

I'm in the process of selling VWIUX to harvest a short term loss. As soon as the sale completes, I plan to buy VTEB or MUB to replace it for at least 30 days. VWIUX = Vanguard Intermediate-Term Tax-Exempt Fund Admiral Shares VTEB = Vanguard Tax-Exempt Bond ETF MUB = iShares National Muni Bond ETF Wh...
by hudson
Sun Sep 09, 2018 12:55 pm
Forum: Investing - Theory, News & General
Topic: Is individual Bonds better than Bond Fund?
Replies: 58
Views: 5145

Re: Is individual Bonds better than Bond Fund?

If you don't feel comfortable with bonds or bond funds, consider reading books and contributions by William Bernstein, Larry Swedroe, Rick Ferri, and Taylor Larimore.

https://www.bogleheads.org/wiki/Books:_ ... nd_reviews
by hudson
Sat Sep 08, 2018 12:51 pm
Forum: Investing - Theory, News & General
Topic: Is individual Bonds better than Bond Fund?
Replies: 58
Views: 5145

Re: Is individual Bonds better than Bond Fund?

One thing I know about Bogleheads in general is that they can be VERY against individual bonds. It makes sense -- if you hold 5-8 different bonds, that's a lot of risk. OTOH, my advisor at Fidelity recommends holding some bonds individually, as long as they're investment grade. So I don't know whic...
by hudson
Mon Sep 03, 2018 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Time required for outgoing wires from Ally Bank
Replies: 17
Views: 974

Wire Transfer...my experience...Vanguard

I needed cash my bank account to make a large purchase. I'd already written the check and had given the check to the vendor. He promised to hold it until I called. I initiated the wire transfer. It took longer than I thought; weekends don't count. The vendor was patient, so I was OK. https://www.bog...
by hudson
Mon Sep 03, 2018 7:50 am
Forum: Investing - Help with Personal Investments
Topic: I want to pry my friend away from Edward Jones
Replies: 71
Views: 7601

Re: I want to pry my friend away from Edward Jones

Whenever friends talk about Edward Jones, Wells Fargo Advisors, or the like, I just hold my nose and ask, "Did you know that Vanguard is the biggest investment company, and it's not for profit. Then I hold my tongue....I probably should have held my tongue earlier.
by hudson
Sun Sep 02, 2018 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: 1st time dad, OK to use willmaker software?
Replies: 37
Views: 3219

Re: 1st time dad, OK to use willmaker software?

I would hire an attorney to do the will and the other documents. A friend of mine worked as a trust officer; he told sad stories of those with no wills or non professional wills. An estate attorney can ask all the right questions and coach you as needed.
by hudson
Sun Sep 02, 2018 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Using your home as old age care self-insurance?
Replies: 74
Views: 5689

Re: Using your home as old age care self-insurance?

I'm wondering if others are planning on using their home to pay for elder care, and the pros and cons of doing that. Thoughts? I hadn't thought about using my home specifically. I've already ruled out a reverse mortgage as it seems like a ripoff. I guess that I haven't seriously planned. I've been ...
by hudson
Sun Sep 02, 2018 6:54 am
Forum: Investing - Help with Personal Investments
Topic: What are your goals when you change your bond funds?
Replies: 36
Views: 2331

Re: What are your goals when you change your bond funds?

I'm going to stick with intermediate term fixed income products; I disregard all talk of rising or falling interest rates. I try to get the best possible return after taxes. Muni funds and muni ETFs are working well for now. I would like to say that I always go for AAA/AA rated fixed income products...
by hudson
Wed Aug 29, 2018 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to Pass on Money Against My Sister's Wishes (Ethics and Finance)
Replies: 74
Views: 7498

Re: How to Pass on Money Against My Sister's Wishes (Ethics and Finance)

If I were in your shoes, I would kick the can down the road. I don't see that any decision needs to be made at this time. Things may become clearer later.
Great discussion! I learned what an ITF is...the In Trust For is about the same as a POD or Pay On Death account.
by hudson
Sun Aug 26, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: Best ultra thin pocket knife?
Replies: 54
Views: 3497

Re: Best ultra thin pocket knife?

Spyderco has already been mentioned. They are great knives. The thumb hole makes it easy to open. Whenever, I need to open a box, it comes out of my pocket open...with ease. I like the Tasman Salt. That's probably too big for the OP. Wallet, iPhone, car keys, Spyderco...everywhere...every day.
by hudson
Sun Aug 26, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: What would you do - Car Question
Replies: 41
Views: 2913

Re: What would you do - Car Question

I'd get a 4Runner; it's a great vehicle. Buy or rent a trailer if you need to haul more.
by hudson
Wed Aug 22, 2018 7:31 am
Forum: Personal Consumer Issues
Topic: Composite Decking Material
Replies: 41
Views: 3297

Re: Composite Decking Material

I am thinking of DIYing both our decks with a composite so thanks for all the info. Couple of questions. 1) best place to purchase for DIY? 2) did you use screws or a proprietary hidden fastener system? 3) I assume the railings/newel posts are sleeves and not solid? Did you use the same system for ...
by hudson
Wed Aug 22, 2018 5:33 am
Forum: Personal Consumer Issues
Topic: Composite Decking Material
Replies: 41
Views: 3297

This Old House Article on Composite Decking

All about composite decking...with examples

Does it burn?
Yes, but at a much higher temperature than wood. Most composites meet California's strict Wildland-Urban Interface Building Code.


https://www.thisoldhouse.com/ideas/all- ... te-decking
by hudson
Wed Aug 22, 2018 5:23 am
Forum: Personal Consumer Issues
Topic: Composite Decking Material
Replies: 41
Views: 3297

Re: Composite Decking Material

We have a 30 year old deck constructed with pressure treated wood. We are thinking of replacing the deck floor, steps and railings with a composite (keeping the existing infrastructure and footings). The contractor gave me a quote using the Azek gray brand of composite. Has anyone had any experienc...
by hudson
Tue Aug 21, 2018 5:06 pm
Forum: Personal Consumer Issues
Topic: Composite Decking Material
Replies: 41
Views: 3297

Re: Composite Decking Material

I'm getting ready to build a new deck. My contractor brought me 20 or so samples; only the Trex versions appeared to be coated. Trex had 3 versions...essentially good, better, and best. The more you pay, the more coating you get. I would guess that the 3 sided coating is plastic. I think the coating...
by hudson
Tue Aug 21, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: Composite Decking Material
Replies: 41
Views: 3297

Re: Composite Decking Material

Mold shows up 9 times in this discussion.
According to a manufacturer's website (Fiberon), mold can grow on almost any surface. Pressure washing is not recommended. Capped composites are recommended.

https://www.fiberondecking.com/blog/how ... -on-decks/
by hudson
Tue Aug 21, 2018 8:36 am
Forum: Personal Finance (Not Investing)
Topic: PCP Wants Full Charge Up Front [Primary Care Physician]
Replies: 108
Views: 6590

Re: PCP Wants Full Charge Up Front [Primary Care Physician]

simas wrote:
Tue Aug 21, 2018 7:23 am

Here is an example of our local office - http://www.dupagefamilymedicine.com/billing/ , click self-pay and it would tell you exactly what the costs run.
I like your system! I'm lucky to have good insurance with a low co-pay...but I really like your à la carte...self pay price list.
by hudson
Tue Aug 21, 2018 6:14 am
Forum: Personal Consumer Issues
Topic: Composite Decking Material
Replies: 41
Views: 3297

I'm also getting ready to install a composite deck

I'm getting ready to install an 8x16 composite deck; this discussion is helpful. I've had a 16x32 pressure treated deck for over 40 years; I'm done with the every two year cycle of cleaning and staining. Every year, I need to remove mildew...that's not a big deal. A bucket of soap and bleach + water...
by hudson
Mon Aug 20, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: PCP Wants Full Charge Up Front [Primary Care Physician]
Replies: 108
Views: 6590

Re: PCP Wants Full Charge Up Front [Primary Care Physician]

My own experience with doctor’s office reimbursement of prepaid amount was dismal. I was told to pay the required copay upfront even though the procedure was preventive and not subject to copay requirement. Well, I did not want to argue with them so I paid what they said to pay. After the insurance...
by hudson
Mon Aug 20, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: PCP Wants Full Charge Up Front [Primary Care Physician]
Replies: 108
Views: 6590

Re: PCP Wants Full Charge Up Front [Primary Care Physician]

This is a useful and informative discussion....lots of experience and expertise! If my PCP asked for the payment up front, I would pay it. I'd likely pay more attention to my insurance statements than I do now. I can afford to pay; I'm retired with good insurance. Ten years ago I might have had a di...
by hudson
Wed Aug 15, 2018 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Why bonds when they return nothing over inflation?
Replies: 31
Views: 5070

Re: Why bonds when they return nothing over inflation?

An 80/20 allocation brings your real return down by that exact amount (20%) to 4.8% A 70/30 AA brings your real return down by 30% to 4.2% A 60/40 AA brings your real return down by 40% to 3.6% . . . As I understand it, besides having enough cash to ride out a bear market, the only point to going w...
by hudson
Wed Aug 15, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: Discarding dead cell phone without purging my data
Replies: 33
Views: 2945

Re: Discarding dead cell phone without purging my data

I've got a smart phone that had a dunking, and never worked again- no chance to reset. I've seen some online discussions indicating it might be a battery issue, suggesting it can be reactivated with my data intact. No SIM card in this model. I have no interest in spending further time restoring the...
by hudson
Wed Aug 15, 2018 8:08 am
Forum: Investing - Theory, News & General
Topic: What is the minimum to buy Vanguard Brokered C.D's?
Replies: 6
Views: 616

Re: What is the minimum to buy Vanguard Brokered C.D's?

The minimum is 10K.

This discussion might be worth reading.

viewtopic.php?p=3308267#p3308267

One can buy less than 10K on the secondary market according to KevinM:

viewtopic.php?p=4027885#p4027885
by hudson
Wed Aug 15, 2018 8:07 am
Forum: Investing - Help with Personal Investments
Topic: Why bonds when they return nothing over inflation?
Replies: 31
Views: 5070

Re: Why bonds when they return nothing over inflation?

Did anyone say that they were more interested in the return of their money more than the return on their money? I'm always looking for the best deal on fixed income. I hope to beat or tie inflation...without using equities. I always watch inflation protected products...but right now they give my hea...
by hudson
Tue Aug 14, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 151
Views: 14697

Re: As an American, where are some great places in the world to retire?

I will purposely leave this post a bit open ended, because I would like to see a variety of responses discussing quality of life, currency, cost of living, tax advantaged places, overall ease of travelling there, etc (what are other considerations?). Maybe somewhere in the US, Mexico, UK, Central A...