Search found 306 matches

by Dinero
Fri Dec 12, 2014 6:40 am
Forum: Investing - Help with Personal Investments
Topic: Geek to Geek, screen scraping dividends
Replies: 10
Views: 2558

Re: Geek to Geek, screen scraping dividends

Do a search on "Yahoo Query Language". There are several databases accessible via YQL that contain daily price information, historic prices, dividends, etc. The query returns JSON or XML-formatted data.

Yahoo financial data does have holes, however, as you note.
by Dinero
Sat Nov 08, 2014 5:55 am
Forum: Investing - Help with Personal Investments
Topic: High income earners, Roth 401k y/n?; DBP y/n?
Replies: 16
Views: 4410

Re: High income earners, Roth 401k y/n?; DBP y/n?

I would seriously consider NOT funding a Roth 401(k) in CA if there are other tax-deferred alternatives available. As mentioned elsewhere, using a CA-deferred vehicle saves you the 10% (or greater) CA tax bite now. If you retire to a lower state-tax state later, you reap the benefit of tax deferred ...
by Dinero
Thu Nov 06, 2014 7:07 am
Forum: Personal Consumer Issues
Topic: LED Christmas lights?
Replies: 19
Views: 5446

Re: LED Christmas lights?

We tried some LED Christmas lights from Home Depot a couple of years ago. They were, in reality, Christmas darks.
by Dinero
Thu Nov 06, 2014 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Anyone use finance s/ware Quicken/MoneyDance etc ?
Replies: 23
Views: 2413

Re: Anyone use finance s/ware Quicken/MoneyDance etc ?

I used Quicken for many years. The forced update (to keep certain features active) bugged me, as did the size and complexity of the program. I switched to MoneyDance a couple of years ago, and while it is not as "pretty" as Quicken, it works fine for me (tracking bank accounts and investment account...
by Dinero
Sun Oct 05, 2014 6:01 am
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 23745

Re: Critically Acclaimed Movies you did not like

Crash
The Hurt Locker
Argo
Shakespeare in Love
Fargo
Woody Allen movies
Easy Rider Agree, a total bore I turned off well before the end.
I sense a pattern here...

Perhaps all movies that contain "argo"? Could that also include movies with Victor Argo... :D
by Dinero
Sat Aug 09, 2014 10:27 am
Forum: Local Chapters and Bogleheads Community
Topic: [Looking for] Larry Swedroe
Replies: 9
Views: 2357

Re: Larry Swedroe

Larry said that he would no longer be writing for SA.
by Dinero
Wed Jul 16, 2014 4:24 am
Forum: Personal Consumer Issues
Topic: boglehead botanists...is this poison ivy?
Replies: 32
Views: 3242

Re: boglehead botanists...is this poison ivy?

Another vote for nettle.

It is certainly not poison ivy.
by Dinero
Fri Jul 11, 2014 7:31 am
Forum: Personal Finance (Not Investing)
Topic: San Juan Islands
Replies: 21
Views: 3964

Re: San Juan Islands

Also, the interisland ferry is FREE and you can use it as much as you'd like. Alas, only partially true. There is no fee to leave Friday Harbor on the inter-island ferry (you pay a round-trip fare in Anacortes to get to and from Friday Harbor) but to return to Friday Harbor from one of the other is...
by Dinero
Thu Jul 10, 2014 5:52 am
Forum: Personal Finance (Not Investing)
Topic: San Juan Islands
Replies: 21
Views: 3964

Re: San Juan Islands

The San Juans are well worth the trip. I prefer San Juan Island. It is generally easier to get to, more to do, etc. Getting there: Ferry from Anacortes - Walk on or drive on. A bit over an hour ride to the islands. It can be crowded, so plan on arriving an hour or so ahead of sailing (driving on onl...
by Dinero
Tue May 13, 2014 7:14 am
Forum: Personal Consumer Issues
Topic: HTML5 programming
Replies: 11
Views: 1407

Re: HTML5 programming

I wrote (and use) a portfolio tracking HTML5/CSS/PHP/JQuery app that I run locally (WampServer). Mostly as a hobby. I tinker with it from time to time. If you like this sort of thing, it is a blast (in a nerdy sort of way). By way of background, I learned programming with Turbo Pascal and 8086 assem...
by Dinero
Fri Mar 07, 2014 7:05 am
Forum: Personal Consumer Issues
Topic: Move to California means what $ ?
Replies: 55
Views: 6048

Re: Move to California means what $ ?

If you contribute to a Roth, you can expect to pay higher taxes, but if you're moving into California, the gains should be state tax free, no? At least for now? That is right. If you are working in TX and plan to retire in CA, Roth is the best deal (no state tax in TX, no tax on Roth in CA). The re...
by Dinero
Tue Mar 04, 2014 2:09 pm
Forum: Personal Consumer Issues
Topic: Move to California means what $ ?
Replies: 55
Views: 6048

Re: Move to California means what $ ?

Why, can you please explain that? A Roth is simply more expensive in CA than most other places, due to state income taxes. In CA you have to pay 10% (roughly) for the dollars that go into a Roth. In TX, for example, you would not have to make that payment. In CA, a regular IRA/401(k) saves the 10% ...
by Dinero
Tue Mar 04, 2014 6:50 am
Forum: Personal Consumer Issues
Topic: Move to California means what $ ?
Replies: 55
Views: 6048

Re: Move to California means what $ ?

Miscellaneous ramblings about CA: HSA accounts are not deductible - both contributions and earnings. Treasury bonds get an extra kick versus most other places since their interest is not subject to CA income tax. In other words, it might make sense to hold Treasuries in taxable, versus holding taxab...
by Dinero
Sun Mar 02, 2014 9:12 pm
Forum: Personal Consumer Issues
Topic: Amtrak across the US?
Replies: 38
Views: 4943

Re: Amtrak across the US?

My wife and I did New Orleans to Sacramento a few years ago. I loved it. She hated it. Of course I am a North By Northwest fan. The highlight of the trip (what I told her, anyway) was supposed to be coming over the Sierra Nevada and enjoying the views riding down the slope. The train was delayed out...
by Dinero
Sun Mar 02, 2014 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Paying off the mortgage. Kind of.
Replies: 29
Views: 3612

Re: Paying off the mortgage. Kind of.

Isn't this just trying to determine if there is a "safe-withdrawal rate" for a specific asset that is earmarked to pay a specific expense? If you have a TIPS ladder that matches the designated liability - retirement, mortgage payment, or otherwise - you are done. If not, then you need to determine w...
by Dinero
Sun Feb 02, 2014 10:42 am
Forum: Investing - Theory, News & General
Topic: How do you treat collectibles? [as part of asset allocation]
Replies: 29
Views: 2808

Re: How do you treat collectibles? [as part of asset allocat

Blues wrote: I have made a habit of giving some of mine away each year, (rather than sell), to budding collectors
That is an absolutely wonderful idea.
by Dinero
Sun Feb 02, 2014 9:00 am
Forum: Investing - Theory, News & General
Topic: How do you treat collectibles? [as part of asset allocation]
Replies: 29
Views: 2808

Re: How do you treat collectibles? [as part of asset allocat

I view my various collectibles as a last gift/curse to my heirs.
by Dinero
Tue Jan 07, 2014 5:41 am
Forum: Personal Consumer Issues
Topic: career advice for PhDs seeking non-academic jobs
Replies: 2
Views: 644

Re: career advice for PhDs seeking non-academic jobs

It has been over 3 decades since I was in the hunt for an academic job ( The Chronicle of Higher Education was printed on actual paper back then, imagine that!). I landed a less-than-desirable (but still tenure-track) academic position and eventually left for the private sector. For me, the letters ...
by Dinero
Thu Oct 17, 2013 11:23 pm
Forum: Investing - Theory, News & General
Topic: Shiller Thinks Owning a Home is a Terrible Investment
Replies: 255
Views: 27203

Re: Shiller Thinks Owning a Home is a Terrible Investment

That's true, but so does a saute pan (the imputed income being the savings from cooking at home versus dining out for any dish on which you use it). Both the saute pan and the home can be wise expenditures that leave you financially better off in the long haul. I'm not sure how to rebalance that pa...
by Dinero
Thu Oct 17, 2013 8:21 am
Forum: Investing - Theory, News & General
Topic: Shiller Thinks Owning a Home is a Terrible Investment
Replies: 255
Views: 27203

Re: Shiller Thinks Owning a Home is a Terrible Investment

A paid-for home generates tax-free imputed income.

Although you cannot directly spend such income, it remains a pretty good investment.
by Dinero
Wed Sep 18, 2013 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: HSABank Investment Guidance sought
Replies: 4
Views: 657

Re: HSABank Investment Guidance sought

The HSA account page has a transfer function to move funds into and out of the TD Ameritrade account. There is some sort of cash balance account with TD Ameritrade, but I don't recall the details. Nothing earth shattering. I move all non-invested cash out of TD Ameritrade and into HSA Bank. I have h...
by Dinero
Wed Sep 18, 2013 5:29 am
Forum: Personal Finance (Not Investing)
Topic: New HSA Bank fees
Replies: 9
Views: 1819

Re: New HSA Bank fees

It looks like the Bancorp account fee is waived with a $1,500 balance AND an e-deposit during the month or with a $2,000 balance.

HSA bank still "wins" in the investment arena with a good selection of no-fee ETFs.
by Dinero
Wed Sep 11, 2013 6:37 am
Forum: Investing - Theory, News & General
Topic: Reverse Logic: Bonds in Taxable, Stocks in Tax-Sheltered
Replies: 25
Views: 2696

Re: Reverse Logic: Bonds in Taxable, Stocks in Tax-Sheltered

If you are living in a high income tax state and hold Treasuries in your IRA/401(k) you "lose" the state tax exemption of interest from those bonds. One more complicating factor.
by Dinero
Fri Sep 06, 2013 7:16 am
Forum: Investing - Theory, News & General
Topic: The 5 Laws of Gold
Replies: 9
Views: 1822

Re: The 5 Laws of Gold

So what did the Babylonians use for their Core Four?
by Dinero
Mon Aug 26, 2013 7:59 am
Forum: Investing - Theory, News & General
Topic: Finding decent mean/stdev data for Monte Carlo sims
Replies: 70
Views: 4787

Re: Finding decent mean/stdev data for Monte Carlo sims

Dr. Bernstein uses a 2% real return with a 9% standard deviation for a stock/bond portfolio in Monte Carlo-ing returns for "Frank" in the e-book The Ages of the Investor...
by Dinero
Sun Aug 25, 2013 7:28 am
Forum: Investing - Theory, News & General
Topic: Gold and DJIA: What is going on?!
Replies: 137
Views: 12564

Re: Gold and DJIA: What is going on?!

Rick Ferri wrote:I can pan gold...
First you say you don't hold gold, and now you say you pan for gold? :happy
by Dinero
Tue Aug 20, 2013 5:53 am
Forum: Investing - Help with Personal Investments
Topic: Retire early with no Social Security penalty ?
Replies: 62
Views: 6477

Re: Retire early with no Social Security penalty ?

So it seems that earnings from age 60 and higher are potentially at a disadvantage, because they do not get indexed in the way that earnings at age 59 and earlier do. Am I interpreting this correctly? That is the way I read it. Further, if your current FRA benefit is above the second bend point and...
by Dinero
Sun Jul 14, 2013 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Payoff From IRA
Replies: 8
Views: 1204

Re: Mortgage Payoff From IRA

Thanks, all, for the helpful suggestions. cheese_breath: I agree that keeping the mortgage seems like a no-brainer. And doing the Roth conversion in lieu of the mortgage payoff does accomplish the RMD reduction while keeping access to the funds. ResearchMed: The mortgage would cost about 25% of reti...
by Dinero
Sat Jul 13, 2013 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Payoff From IRA
Replies: 8
Views: 1204

Mortgage Payoff From IRA

I am retiring at 62, about one year from now. We have an almost new 30-year mortgage at 3.25%. We have IRA/Roth resources to pay off the mortgage balance and still have sufficient funds for retirement. Our accounts/mortgage stack up something like this: IRA >> Roth/Taxable > Mortgage I am all for pa...
by Dinero
Tue Jun 18, 2013 6:26 pm
Forum: Investing - Theory, News & General
Topic: Dividends Are Different?
Replies: 207
Views: 14233

Re: Dividends Are Different?

In Orange #1, you may still have 100 shares but it is shares in an asset that has $2 less in value - the $2 it just gave to you. Right, and those 100 shares immediately start earning another quarterly $2. The value of the $2 in earnings kept by the non-dividend-paying stock (unrealized capital gain...
by Dinero
Tue Jun 18, 2013 9:51 am
Forum: Investing - Theory, News & General
Topic: Dividends Are Different?
Replies: 207
Views: 14233

Re: Dividends Are Different?

If we plot price per share rather than growth, it is clear that there is a dramatic difference in the composition of the two funds, and that indeed Vanguard Equity Income had far, far less capital appreciation than 500 Index. Obviously the dividends paid out by the dividend stocks slowed their capi...
by Dinero
Tue Jun 04, 2013 9:24 pm
Forum: Personal Consumer Issues
Topic: Vacation in Busan, S. Korea
Replies: 14
Views: 1238

Re: Vacation in Busan, S. Korea

These type of recommendations always puzzle me. I can read very well in Hangul but then I have no clue as to what it means. English is pervasive, even in non-roman "alphabets". I was walking in Itaewon and saw many posters advertising some sort of Michael Jackson tribute. If you can read Hangul you...
by Dinero
Tue Jun 04, 2013 6:57 am
Forum: Personal Consumer Issues
Topic: Vacation in Busan, S. Korea
Replies: 14
Views: 1238

Re: Vacation in Busan, S. Korea

I just returned from 10 days in Korea. Go! I can confirm all of the positive things already posted. I do recommend taking a crack at the Korean alphabet (Hangul). I wish I had learned it better before visiting. Gyeongju is one of Korea's old capital cities. There are some very interesting historical...
by Dinero
Fri Feb 22, 2013 8:08 am
Forum: Investing - Theory, News & General
Topic: Website that can graph 10 stock symbols?
Replies: 7
Views: 740

Re: Website that can graph 10 stock symbols?

LH wrote:whats going on?
One site reinvests dividends and the other doesn't?
by Dinero
Thu Feb 07, 2013 8:07 am
Forum: Investing - Theory, News & General
Topic: silver investing - floor?
Replies: 26
Views: 4231

Re: silver investing - floor?

I guess $5 is as reasonable a floor as any, based on past pricing, but who knows? If you buy US "junk" silver (pre-1965 dimes, quarters, half dollars, or 40% half dollars) the floor is the face value of the coin. Same thing with "junk" Canadian silver. Canada also has some high face-value commemorat...
by Dinero
Tue Feb 05, 2013 9:27 am
Forum: Personal Consumer Issues
Topic: testing silver coins.... help
Replies: 22
Views: 2554

Re: testing silver coins.... help

10% overweight is a big error, but this is on a private-mint bar. With privately minted stuff you just do not know what kind of quality control the manufacturer exercised. Maybe they deliberately cast slightly overweight bars to avoid returns of slightly underweight bars. 10% underweight on a circul...
by Dinero
Sat Jan 19, 2013 9:06 am
Forum: Personal Finance (Not Investing)
Topic: HSA Bank or Health Savings Administrators?
Replies: 38
Views: 14298

Re: HSA Bank or Health Savings Administrators?

I have used both, currently with HSA Bank.

If you keep $5,000 with the Bank and invest the rest in Vanguard ETFs at TD Ameritrade there are no plan fees assessed.
by Dinero
Sat Dec 15, 2012 8:06 am
Forum: Investing - Theory, News & General
Topic: Gold continues to fall
Replies: 178
Views: 18506

Re: Gold continues to fall

hazlitt777,

Try this:
Benjamin Graham wrote:"In the short run, the market is a voting machine but in the long run it is a weighing machine."
by Dinero
Fri Dec 07, 2012 6:12 am
Forum: Investing - Theory, News & General
Topic: Dangers of a high div strategy
Replies: 114
Views: 12209

Re: Dangers of a high div strategy

It seems to me if you have a large enough nest egg in retirement so that you can live off the dividends, (due to whatever strategy) and let the rest of your account grow (or not) then I can't see how this is a problem (framing or otherwise.) It just takes another variable out of the equation that y...
by Dinero
Sat Nov 17, 2012 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Are all contributions to HSA tax-deductible?
Replies: 12
Views: 1396

Re: Are all contributions to HSA tax-deductible?

amador wrote:Same would apply to CA bonds, then?
Yes, although you are "wasting" that federal tax exempt bond/fund in an already federally exempt account. Although with today's rates that may be a good move. :happy
by Dinero
Sat Nov 17, 2012 5:01 am
Forum: Personal Finance (Not Investing)
Topic: Are all contributions to HSA tax-deductible?
Replies: 12
Views: 1396

Re: Are all contributions to HSA tax-deductible?

Thank you so much for the informative and insightful responses. As someone pointed out, I do live in California. I understand that HSA contributions can't be deducted from state tax. Note too that earnings in the HSA are taxed by California during the year they are received. TBills, TNotes, and TBo...
by Dinero
Fri Nov 16, 2012 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Are all contributions to HSA tax-deductible?
Replies: 12
Views: 1396

Re: Are all contributions to HSA tax-deductible?

Based on the OP's signature it seems possible that the OP is a California resident.

If that is the case, the HSA contribution is not deducted from income for state income tax purposes.
by Dinero
Sun Nov 11, 2012 8:09 am
Forum: Investing - Theory, News & General
Topic: Dividend-Paying Stocks Are Not Bonds
Replies: 20
Views: 2503

Re: Dividend-Paying Stocks Are Not Bonds

Actually, dividend-paying vs. non-dividend-paying Stocks have no relevance to "Bond replacement" in the portfolio - the subject of the OP. Re-read the statement in the original post. It was not about bond replacement: "Vanguard's chief economist, Joe Davis, cautions investors who turn to equities t...
by Dinero
Sat Nov 10, 2012 7:08 pm
Forum: Investing - Theory, News & General
Topic: Dividend-Paying Stocks Are Not Bonds
Replies: 20
Views: 2503

Re: Dividend-Paying Stocks Are Not Bonds

There is no relevance quoting Bill Bernestein [sic] saying "a small part of the equity portfolio..." and "Dividend Stocks as some sort of Bond replacement is a terrible strategy to be avoided." What are you trying to say? I think there is plenty of relevance. He is distinguishing dividend-paying st...
by Dinero
Sat Nov 10, 2012 4:09 pm
Forum: Investing - Theory, News & General
Topic: Dividend-Paying Stocks Are Not Bonds
Replies: 20
Views: 2503

Re: Dividend-Paying Stocks Are Not Bonds

So, on topic with OP's link to Morningstar, turning to Dividend Stocks as some sort of Bond replacement is a terrible strategy to be avoided. Although...Dr. Bernstein had this to say about dividend-paying stocks: If you counted on your stock holdings to see you through retirement, you're likely to ...
by Dinero
Tue Oct 23, 2012 9:02 pm
Forum: Personal Consumer Issues
Topic: What's Your Favorite Hot Sauce?
Replies: 84
Views: 5605

Re: What's Your Favorite Hot Sauce?

mikeast wrote:I just tried Sriracha for the first time about 4 months ago. it's the best all-around hot sauce I've
ever had.
My kids used to call it "Red Chicken Death Sauce" :happy
by Dinero
Tue Oct 23, 2012 8:19 pm
Forum: Personal Consumer Issues
Topic: What's Your Favorite Hot Sauce?
Replies: 84
Views: 5605

Re: What's Your Favorite Hot Sauce?

Another vote for Cholula.
by Dinero
Mon Oct 22, 2012 7:07 am
Forum: Investing - Theory, News & General
Topic: Bonds are for safety.
Replies: 47
Views: 6518

Re: Bonds are for safety.

grayfox wrote:Low risk assets--there's a hole in the bucket. High risk assets--the bucket can overturn, spilling out half the contents.
That's the tradeoff. There is no answer.
The answer is that the overturned bucket (stocks) can usually refill itself. The leaky bucket (bonds) usually can't.
by Dinero
Thu Oct 04, 2012 7:09 am
Forum: Investing - Theory, News & General
Topic: TIPS ladder in retirement
Replies: 14
Views: 1635

Re: TIPS ladder in retirement

I would not want to lock in negative real rates on TIPS at this point either. You have to go out 20 years to get a (barely) positive real yield on TIPS, last time I checked. Staying short makes sense, and I believe that Larry Swedroe has indicated that high-quality short-term corporate bonds have pr...
by Dinero
Sun Sep 30, 2012 7:20 am
Forum: Personal Finance (Not Investing)
Topic: best flying point credit card
Replies: 19
Views: 3806

Re: best flying point credit card

I fly Southwest a bunch and just started using the Chase Southwest card. It is a fee card, but at the high level ($99) you get points equal to the annual fee. There is a pretty good sign-up bonus (25,000 points by charging $1,000 in the first three months). Not the greatest deal, but if you fly Sout...