Search found 4283 matches

by dratkinson
Fri Sep 21, 2018 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 27
Views: 2128

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 dratkinson
Fri Sep 21, 2018 6:46 pm
Forum: Investing - Theory, News & General
Topic: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]
Replies: 31
Views: 2342

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

Bonus dividends. As VWLTX has a lower price than VWITX, you'll buy more shares for the same purchase. Meaning, you'll earn bonus dividends from the additional shares purchased. This is nonsense. Comparing prices between two mutual funds is absolutely meaningless. Any "bonus" dividends that VWLTX is...
by dratkinson
Fri Sep 21, 2018 7:18 am
Forum: Investing - Theory, News & General
Topic: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]
Replies: 31
Views: 2342

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

Fun fact. If you are interested in VWLTX, it provides bonus dividends when compared to VWITX. Bonus dividends. As VWLTX has a lower price than VWITX, you'll buy more shares for the same purchase. Meaning, you'll earn bonus dividends from the additional shares purchased. I believe VWLTX's current bon...
by dratkinson
Fri Sep 21, 2018 6:41 am
Forum: Investing - Theory, News & General
Topic: Best corporate long-term bond fund
Replies: 10
Views: 727

Re: Best corporate long-term bond fund

Are you retiring in Europe? I ask because recall uncle sugar (US) will take a large bite out of your return if invest in US-domiciled investments from overseas. In this case, believe most recommend not using US-domiciled investments. See wiki: https://www.bogleheads.org/wiki/Outline_of_international...
by dratkinson
Thu Sep 20, 2018 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 27
Views: 2128

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 . I'm not planning to research BMBIX; would...
by dratkinson
Wed Sep 19, 2018 6:05 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 27
Views: 2128

Re: 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 wo...
by dratkinson
Tue Sep 18, 2018 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 27
Views: 2128

Re: Tax Loss Harvest (TLH) VWIUX

^ I prefer: Be greedy when others are fearful; be fearful when others are greedy. :) N.B. Above must be tempered by the fact that Mr. Buffett also said, “Don’t be too greedy.” Within reason---as allowed by recommended authors and forum wisdom---I believe it’s okay to reach for additional yield. Prov...
by dratkinson
Mon Sep 17, 2018 6:28 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Precious Metals and Mining Fund is changing
Replies: 77
Views: 8831

Re: Vanguard Precious Metals and Mining Fund is changing

^^^ An investor taking a loss doesn't get much help if PMM is held in a rIRA. The description makes it sound like a commodities fund, with a PMM tilt. Not certain what commodities are up when equities are down. Thought commodities were stable, at best, in bad equity years. But if the new incarnation...
by dratkinson
Mon Sep 17, 2018 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 27
Views: 2128

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 dratkinson
Sun Sep 16, 2018 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 27
Views: 2128

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. :)
by dratkinson
Fri Sep 14, 2018 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 27
Views: 2128

Re: Tax Loss Harvest (TLH) VWIUX

By my actions, you know Vanguard's muni mmkt was not MY choice. But I believe it's a very good choice to keep TLHing simple, because there is almost nothing to research/think about. But after you've done the research/thinking---which you've done now---you can use something better. To that end.... I ...
by dratkinson
Thu Sep 13, 2018 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 27
Views: 2128

Re: Tax Loss Harvest (TLH) VWIUX

BH Tax Loss Harvest (TLH) VWIUX "Daily-accrual" muni fund. A daily-accrual muni fund (not ETF) is exempt from IRS 6mo holding period requirement to protect tax-exempt dividends. Meaning shares are easy to sell (only simple CG reporting required). See "Loss on mutual fund shares held 6 months or less...
by dratkinson
Wed Sep 12, 2018 3:22 am
Forum: Investing - Help with Personal Investments
Topic: Opinion's: Best time to withdraw RMD's when required to do so.
Replies: 22
Views: 1498

Re: Opinion's: Best time to withdraw RMD's when required to do so.

Not my situation, but.... If you don't need the RMDs to live on, have seen others suggest taking the RMD for this year (the requirement), and then convert some (but not enough to enter next tax bracket) into a Roth IRA. The idea being that the conversion will lessen your 31 Dec tax-deferred balance ...
by dratkinson
Tue Sep 11, 2018 8:21 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6407

Re: Hurricane Florence - survival guide

They then proceeded to start their generator and attempted to turn on every appliance in the house destroying their generator. What? How is this possible? I am forking out for a Generac natural gas automatic generator scheduled to be installed in a couple of months, due to the queue. My understandi...
by dratkinson
Sat Sep 08, 2018 6:06 am
Forum: Investing - Help with Personal Investments
Topic: 26 Year Old Asking For Advice
Replies: 19
Views: 3049

Re: 26 Year Old Asking For Advice

BH 26 Year Old Asking For Advice High level stuff offered without knowing your details. Saving $3-5M in 14 years, assuming the market returns 7%/yr, means you need to save $135K ($3M) to $225K ($5M) per year. This is in addition to paying off your mortgage before you retire. (Also assumes a market c...
by dratkinson
Fri Sep 07, 2018 2:39 pm
Forum: Investing - Theory, News & General
Topic: What experts say about "Stay-the-Course"
Replies: 21
Views: 8278

Re: What experts say about "Stay-the-Course"

Jack Bogle: "Stay the Course. No matter what happens , stick to your program. I've said "Stay the course" a thousand times, and I meant it every time. It is the most important single piece of investment wisdom I can give to you." Certainly good general advice. But Mr. Bogle didn't always stay the c...
by dratkinson
Mon Sep 03, 2018 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones advising roll over 401K to their IRA
Replies: 44
Views: 3667

Re: Edward Jones advising roll over 401K to their IRA

I just bought "The Coffeehouse Investor" and I should get it in 2 weeks. Do you have a public library in your area? If so, you may have already bought this book with your tax dollars. If they don’t have it, ask them to buy it. If you don’t have a library, the library does not have it, or the librar...
by dratkinson
Sun Sep 02, 2018 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones advising roll over 401K to their IRA
Replies: 44
Views: 3667

Re: Edward Jones advising roll over 401K to their IRA

... Respectfully, your math is wrong. The 25% tax applies on the 7% return, not the 4% inflation-adjusted return. (-1.75% = 7% x (-25%); so worse than illustrated above.) But to be even more accurate, it applies to neither. Taxes applied to either dividends, interest, or realized capital gains. I c...
by dratkinson
Sat Sep 01, 2018 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones advising roll over 401K to their IRA
Replies: 44
Views: 3667

Re: Edward Jones advising roll over 401K to their IRA

I want to thank everyone for the knowledge and advice. I will start with the suggestions this weekend. I feel much better about calling EJ and telling the advisor I won't be turning over my money currently in the 401Ks. No reason to call EJ back. The advisor is a friend of my employer. He also mana...
by dratkinson
Fri Aug 31, 2018 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones advising roll over 401K to their IRA
Replies: 44
Views: 3667

Re: Edward Jones advising roll over 401K to their IRA

1. Do it yourself. Don't use EJ. 2. Assuming your 401ks are pre-tax---you didn't pay tax to put money into them, and maybe got a tax deduction for the contributions---then converting any of them into a rIRA (Roth IRA) will result in a tax bill next April. So may not want to do that. But if your 401k...
by dratkinson
Thu Aug 30, 2018 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for the promotional $$ deposited into tIRA after execution of Backdoor Roth
Replies: 7
Views: 376

Re: Suggestions for the promotional $$ deposited into tIRA after execution of Backdoor Roth

Dumb question perhaps. If you can't get the $500.75 rolled over into your solo 401k, can it be an additional amount converted into your backdoor Roth? See IRS Rollover Chart: https://www.irs.gov/pub/irs-tege/rollover_chart.pdf I believe chart implies you can do multiple tIRA-->rIRA in one year. If a...
by dratkinson
Mon Aug 27, 2018 4:52 am
Forum: Personal Consumer Issues
Topic: Best ultra thin pocket knife?
Replies: 54
Views: 3442

Re: Best ultra thin pocket knife?

Can search for "credit card knife". Don't know if they actually fit in a wallet. Prefer the Victorinox "Rambler". Slightly thicker than the "Classic SD", but puts the blade on the correct end (opposite key ring) for easier use. Keep it on my keyring. Blade used to open packages, cut occasional rope,...
by dratkinson
Sun Aug 26, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: What is your stealth way to save monthly?
Replies: 87
Views: 9509

Re: What is your stealth way to save monthly?

This is how I save money and time. It's not stealthy because I know I'm doing it. #1. Live below your means. If you can't do this, then everything else is moot. #2. Create an austere financial environment (to LBYM), by automating the process of paying yourself first and living on the rest. --Set up ...
by dratkinson
Sat Aug 25, 2018 3:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: Singapore Local Chapter Established
Replies: 32
Views: 7617

Re: Singapore Local Chapter Established

Hi Karan, I just thought that it would be easier to access through mobile than the forum.. Suggestion. If the Singapore chapter members would post here their preferred method of contacting each other, then potential new members may find you more quickly. Why? It seems that sometimes the knowledge o...
by dratkinson
Wed Aug 22, 2018 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: New here, is this my best option?
Replies: 6
Views: 405

Re: New here, is this my best option?

BH New here, is this my best option? We assume you are in lower federal and state tax brackets. But better to be told than to guess wrong. What state do you live in? What are your federal and state tax brackets? What country do you plan to retire in? Suggestions. Emergency fund (EF). Save 3-6 months...
by dratkinson
Wed Aug 22, 2018 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor Dumped, Now How to Best Simplify
Replies: 20
Views: 2561

Re: Advisor Dumped, Now How to Best Simplify

ElwoodBlues wrote:
Tue Aug 21, 2018 11:58 pm
...
Total: -3054

Playing with an XLS version of the 2017 IRS 1040, The Sched D gives an end result of -3000, which goes on line 13 of the 1040.
...
Plus -54 carried over to next tax year as a LT loss. (Believe it's listed on a tax worksheet and becomes an input into next year's tax reporting.)
by dratkinson
Tue Aug 21, 2018 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Edward Jones rep door knocking
Replies: 90
Views: 8699

Re: Edward Jones rep door knocking

FBN2014, You can move to a gated community to curtail such visits. We have one gated community in my town. I know the code, though. I suspect everyone does. The EJ door to door is part of the I just never answer my door unless I am expecting someone. Why answer the door if you don't know who it is?...
by dratkinson
Tue Aug 21, 2018 6:47 am
Forum: Investing - Theory, News & General
Topic: Another approach to bonds
Replies: 20
Views: 2138

Re: Another approach to bonds

One way to think of your bond allocation is covering a certain number of years expenses that allows you to sleep in night. That might be 10, maybe more. If stocks go up, you do not need to rebalance because you still have your 10 years expenses in bonds. I was thinking along those lines of years of...
by dratkinson
Mon Aug 20, 2018 7:26 pm
Forum: Investing - Theory, News & General
Topic: Another approach to bonds
Replies: 20
Views: 2138

Re: Another approach to bonds

There are those who believe we should stop playing after we've won the game---take money off the table. On the other hand, Warren Buffett's plan for his wife is to be 90/10 S&P500/treasuries. Your choice. But most choose to do what lets them sleep better. I believe your approach is reasonable. --You...
by dratkinson
Sun Aug 19, 2018 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Edward Jones rep door knocking
Replies: 90
Views: 8699

Re: Edward Jones rep door knocking

I have two EJ reps in the area who come by every couple of months, and it's clear that they're in competition with each other. Every time, I tell them I'm not interested, but they don't seem to get the message. :idea: I've only had one EJ rep by in ~20yrs, so never thought of this before. But if yo...
by dratkinson
Sat Aug 18, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: The Fall of Consumer Reports
Replies: 89
Views: 14890

Re: The Fall of Consumer Reports

Didn't know CR was failing. Was at the library recently researching new furnaces. CR mag index didn't list a publication date reviewing furnaces. Librarian suggested using their PC and my library account to access library's research databases. CR is one of the databases. Long story short. CR's furna...
by dratkinson
Sat Aug 18, 2018 5:58 am
Forum: Personal Consumer Issues
Topic: Adult piggy bank
Replies: 54
Views: 4707

Re: Adult piggy bank

I love it when one solution does double-duty. In this case: "Pay yourself first." --Set-up or increase the DD (direct-deposit) from your pay into your investment mmkt. --You will pay yourself first, and you be scrounging to use your spare change to make ends meet. So you'll have no spare change to m...
by dratkinson
Sat Aug 18, 2018 5:33 am
Forum: Personal Consumer Issues
Topic: Tipping lawn service and trash pickup
Replies: 27
Views: 2206

Re: Tipping lawn service and trash pickup

I'm my own lawn service and never been tipped. For the trash guy, I don't put the trash out when the weather is miserable (deep snow, blowing blizzard, well below zero,...), so he can skip my house for a week. Only do this because he's one guy and has to get out of the truck to return the trash barr...
by dratkinson
Fri Aug 17, 2018 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor Dumped, Now How to Best Simplify
Replies: 20
Views: 2561

Re: Advisor Dumped, Now How to Best Simplify

Where is your current brokerage home? Idea. Research the transaction costs to "right your ship": --With your current brokerage, --and lower-cost brokerages (Vanguard, Fidelity*, Charles Schwab,...). (* Fidelity has recently announced some zero-fee index funds... if that interests you.) Why? You may ...
by dratkinson
Thu Aug 16, 2018 7:08 pm
Forum: Investing - Theory, News & General
Topic: Since you would want to eventually reinvest dividends/distros anyways, why wouldn't you make them automatic for TLH?
Replies: 13
Views: 1082

Re: Since you would want to eventually reinvest dividends/distros anyways, why wouldn't you make them automatic for TLH?

... 1) Would you want to keep A and B relatively balanced in terms of size (e.g. $10k in A $9.5k in B)? Do you only ever touch fund B in TLH situations? 2) Wouldn't the dilemma at the end pretty much always happen since A and B are highly correlated and would thus generally both be at a loss? In th...
by dratkinson
Wed Aug 15, 2018 12:55 pm
Forum: Investing - Theory, News & General
Topic: Since you would want to eventually reinvest dividends/distros anyways, why wouldn't you make them automatic for TLH?
Replies: 13
Views: 1082

Re: Since you would want to eventually reinvest dividends/distros anyways, why wouldn't you make them automatic for TLH?

My understanding is that the only way to avoid a wash sale is to neither buy 30 days before nor after the sale. So let's suppose there is a big drop. There is no way you could have known the drop would happen so you could have to wait up to 31 days just to perform the sale and another 31 days to pe...
by dratkinson
Wed Aug 15, 2018 12:43 pm
Forum: Investing - Theory, News & General
Topic: Since you would want to eventually reinvest dividends/distros anyways, why wouldn't you make them automatic for TLH?
Replies: 13
Views: 1082

Re: Since you would want to eventually reinvest dividends/distros anyways, why wouldn't you make them automatic for TLH?

TLH problem. Automatically reinvesting distributions may cause a problem with TLHing, it is never a solution. TLHing. It's much easier to avoid the replacement-shares/wash-sale issue by collecting all distributions in taxable in a mmkt fund. (Or checking, savings. Be aware that automatically reinves...
by dratkinson
Mon Aug 13, 2018 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: What am I missing about bonds...
Replies: 31
Views: 4048

Re: What am I missing about bonds...

... ...And looking at the rates, with savings quickly rising, why not just keep more cash in hand at savings? Will (should) they ever be more than the bond performance? ... I’m 37 and with no plans to FIRE, and have mid 6 figure saved and excellent contribution projections going forward Bonds shoul...
by dratkinson
Sat Aug 11, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 77
Views: 5176

Re: How often do you check your brokerage accounts

Once/month is enough for me. At monthly statements' (checking, savings, investing) reconciliations and rebalancing, I verify that shares-owned are correct, emergency fund tiers are refilled, and excess cash is invested. Rebalancing is needed due to direct deposits to mmkt (pay myself first) and chec...
by dratkinson
Fri Aug 10, 2018 9:52 pm
Forum: Investing - Theory, News & General
Topic: Evaluating Munis beyond rating
Replies: 11
Views: 948

Re: Evaluating Munis beyond rating

Might want to research "death spiral" states for a list of states to avoid. Read Swedroe's bond book, The Only Guide to a Winning Bond Strategy You'll Ever Need . After reading Swedroe, I decided individual bonds were not for me---too much work, too many gotchas. I (and my heirs will) much prefer th...
by dratkinson
Sun Aug 05, 2018 6:20 pm
Forum: Investing - Theory, News & General
Topic: How are muni rates determined?
Replies: 25
Views: 1723

Re: how are muni rates determined?

It seems clear the market looks on your city’s debt obligations as poor credit and high risk. Gill And yet we have a MIG 1 rating from Moody’s. How can I reconcile that? My bond guy explained this to me once. Let me give it a try. Municipalities get approval to issue a certain number of bonds - say...
by dratkinson
Thu Aug 02, 2018 3:50 pm
Forum: Investing - Theory, News & General
Topic: In Search of... the Inverted Yield Curve
Replies: 17
Views: 2321

Re: In Search of... the Inverted Yield Curve

Thanks for the interesting analysis. I wonder how well an inverted yield curve foreshadowed other recessions. And whether this effect was similar in other nations. Ben Carlson talked about that very topic this week http://awealthofcommonsense.com/2018/07/arguing-with-the-yield-curve/ Here is a rece...
by dratkinson
Wed Aug 01, 2018 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Can someone help explain this employer retirement contribution wording?
Replies: 14
Views: 869

Re: Can someone help explain this employer retirement contribution wording?

I read that you must contribute the full voluntary 2% to get the employer match on that 2% (above the 3% mandatory) Any voluntary contributions under 2% you do not receive employer match. Any additional voluntary contributions over 2% (or above combined vol/unvol of 5%, ie 6%) --there is not employ...
by dratkinson
Mon Jul 30, 2018 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie enlightened by Bogleheads
Replies: 23
Views: 3188

Re: Newbie burned by bonds

If you must have principle protection, then you need an FDIC/NCUA/treasury-insured product: savings/mmkt accounts, CDs, savings bonds,.... Data points. --Stocks can lose 50-90% during a stock crash. (Lost 40% in 2008, 90% during great depression.) --Bonds can lose 5-15% during a bond crash. --Stock/...
by dratkinson
Sat Jul 28, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 96
Views: 48968

Re: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]

OP. It's hard to believe a little engine speed difference (B&S vs Honda) caused the cutting difference you were seeing on your White deck + Honda engine mower? Re-read your first update. Something is not clear. When you swapped the Honda engine to the White deck, did you use the Honda blade? Or did ...
by dratkinson
Thu Jul 26, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 96
Views: 48968

Re: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]

... I'd already been looking at the Honda HRX series or the Toro Super Recycler series ... Ultimately, I want a mower with the best mulching performance and engine reliability. Anyone have experience with either model, particularly if they're the new-ish versions? ... Call several tool rental shops...
by dratkinson
Thu Jul 26, 2018 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: newcomer 21yr/o college student
Replies: 16
Views: 1193

Re: newcomer 21yr/o college student

... It's best to create your EF in a refillable account; a rIRA is not refillable. ... It's precisely because rIRAs are not refillable that they're at worst the same as a liquid EF.... ... Roth IRA contributions are made with post-tax funds, same as savings account deposits. There is no penalty for...
by dratkinson
Wed Jul 25, 2018 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: newcomer 21yr/o college student
Replies: 16
Views: 1193

Re: newcomer 21yr/o college student

BH newcomer 21yro college student * Some plan to treat their rIRA as their EF (emergency fund) and remove the principle to pay this expense. Don't do that. Why? --(1) It's stealing eggs from the goose sitting on your retirement nest egg. And it will annoy your retired self. --(2) If you plan to trea...
by dratkinson
Wed Jul 25, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 96
Views: 48968

Re: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]

Circular one being all cut lines were in the same direction that were adjacent to one another, Start Westbound until the line is finished, turn 90 degrees Southbound until the line is finished, then 90 degrees Eastbound then Northbound then starts allover until I work my way to the center of the ya...
by dratkinson
Tue Jul 24, 2018 1:35 am
Forum: Investing - Help with Personal Investments
Topic: newcomer 21yr/o college student
Replies: 16
Views: 1193

Re: newcomer 21yr/o college student

Forgot this above. Other suggested books. What I wish someone had told me when I was in my 20s. The Only Investment Guide You’ll Every Need , Andrew Tobias. (Read it, found it helpful.) Or… How to Make the Most of Your Money , Jane Bryant Quinn. (Haven't read it, but recommended by others.) Both cov...