Search found 4134 matches

by dratkinson
Mon Apr 23, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with a recent "windfall"?
Replies: 6
Views: 943

Re: What to do with a recent "windfall"?

... Since I got a somewhat late start on the retirement savings, I have been focusing on that in the past 5 years and there's no 529 or any other accounts earmarked for kid's college. ... ... In terms of debt, I still have 2 student loans in repayment: 1 - $2700 @ 3.5% fixed and $8300 @ 3.03% varia...
by dratkinson
Sun Apr 22, 2018 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone in high bracket using short or Ltd. term muni for EF?
Replies: 19
Views: 700

Re: Anyone in high bracket using short or Ltd. term muni for EF?

Also, I am curious how you calculate the 3.27% TEY. Vanguard's website gives the SEC yield as 2.04% for VMLUX (this is the Admiral share class of limited-term tax exempt). Divide by (1-0.32) and you get 3% TEY. If one is subject to the 3.8% NIIT, that boosts TEY to 3.18%. This differs from your fig...
by dratkinson
Sat Apr 21, 2018 2:42 pm
Forum: Forum Issues and Administration
Topic: Are my posts missing or being deleted?
Replies: 14
Views: 1520

Re: Are my posts missing or being deleted?

Another option to save a copy of our work. (Learned this from another BH.) Do a <ctrl><a>, <ctrl><c> before every "preview" and "submit". Then if there's a problem, can open Word to save our work (<ctrl><v>) while we figure out what went wrong. For a long reply, I'll work offline in Word. For a shor...
by dratkinson
Fri Apr 20, 2018 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Divs and Cap Gains are killing me
Replies: 123
Views: 13060

Re: Divs and Cap Gains are killing me

BTW - one last interesting point, as I've gone over the TRowe history for these mutual funds, and then compared it to my 1099 .... It appears that the ST Cap Gain is listed on the TRP history for the mutual fund, but then is later reported on the 1099 as..... DIV...... WHY do the internal Short Ter...
by dratkinson
Thu Apr 19, 2018 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: which retirement vehicle is best?
Replies: 7
Views: 1264

Re: which retirement vehicle is best?

More information is need to accurately describe your financial situation. Please edit your OP (original post, original poster) to include ALL of the information requested in the sticky "Asking Portfolio Questions". Why? You might be able to extend your tax-advantaged investing by purchasing in a tax...
by dratkinson
Wed Apr 18, 2018 1:20 pm
Forum: Personal Consumer Issues
Topic: Open Office Calc problem
Replies: 17
Views: 1160

Re: Open Office Calc problem

Can Calc use Excel's named-range feature? Can the source be modified to "name" your needed cells? Can you copy the whole sheet and use the VLOOKUP option? Can you copy the whole sheet and use a Calc macro to find your needed cells if VLOOKUP does not work? Disclosure. I get daily price data from a 3...
by dratkinson
Wed Apr 18, 2018 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: What can I do with cash in my emergency account
Replies: 10
Views: 1130

Re: What can I do with cash in my emergency account

I have an emergency account with one year of living expenses in cash at Vanguard. Is there any place I can put it so that it atleast earns enough interest to keep up with inflation and yet be reasonably liquid. Thanks in advance for your help. Had the same problem. Solved it by earning 2%/yr tax-fr...
by dratkinson
Sun Apr 15, 2018 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: 24 years old - Evaluate my finances
Replies: 11
Views: 1269

Re: 24 years old - Evaluate my finances

General comments. Retirement investing: background information. See seminal article by William Sharpe: https://web.stanford.edu/~wfsharpe/art/active/active.htm See Wiki topic: https://www.bogleheads.org/wiki/Three-fund_portfolio See forum discussion: https://www.bogleheads.org/forum/viewtopic.php?f=...
by dratkinson
Sat Apr 14, 2018 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: HELP..not sure what to do at 55 YOA
Replies: 21
Views: 2770

Re: HELP..not sure what to do at 55 YOA

BH HELP..not sure what to do at 55 YOA Four market lessons. Sixty+ years of academic research into investing teach four major stock market lessons; ignore them at your peril: --It’s very easy to get the market return, just buy index funds. --It’s so impossible difficult to get more than the market r...
by dratkinson
Sat Apr 14, 2018 10:30 am
Forum: Investing - Theory, News & General
Topic: vanguard notice - retiring our old investment platform
Replies: 50
Views: 6136

Re: vanguard notice - retiring our old investment platform

I just switched to the new platform. It was easy and went off without a hitch. Was your original share lot information preserved? Can you reinvest mutual fund distributions? In one transactions, can you sell fund A to buy fund B? Must you use a mmkt settlement account? (Don't remember the other fea...
by dratkinson
Fri Apr 13, 2018 4:16 pm
Forum: Investing - Theory, News & General
Topic: vanguard notice - retiring our old investment platform
Replies: 50
Views: 6136

Re: vanguard notice - retiring our old investment platform

Went though this mini drill when I talked to CSR about converting from investor shares to admiral shares. --Me: Will my cost basis be maintained. --CSR: Yes. Not! Didn't work that way as Vanguard lumped all of my investor share lots into one admiral share lot. --My cost basis information didn't agre...
by dratkinson
Fri Apr 13, 2018 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Divs and Cap Gains are killing me
Replies: 123
Views: 13060

Re: Divs and Cap Gains are killing me

+1. Please consider starting a new topic. Why? For a succinct answer to your problem, the forum works best from a succinct problem statement in your OP (original post, original poster). We are now on the second page of your review and needed information is still dribbling out. The folks seeing your ...
by dratkinson
Thu Apr 12, 2018 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Alternatives to muni bonds? (and portfolio update)
Replies: 12
Views: 1370

Re: Alternatives to muni bonds? (and portfolio update)

... 2. Anything I should change/consider with my investments now or in preparation for retirement? Perhaps move more to CDs. See current topic 'The "mechanics" of retiring': https://www.bogleheads.org/forum/viewtopic.php?f=2&t=246834 In it follow link to Peter Foley's topic on what to do during the...
by dratkinson
Thu Apr 12, 2018 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Do I have to pay taxes on unrealized dividends?
Replies: 19
Views: 1854

Re: Do I have to pay taxes on unrealized dividends?

Recall we have the option to pay savings bond interest annually, or defer until redeemed. The deciding point seems to be the applicable tax bracket---lower now/later, child's/adult's.
by dratkinson
Wed Apr 11, 2018 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Alternative website for those in lower tax brackets?
Replies: 59
Views: 5231

Re: Alternative website for those in lower tax brackets?

BH Alternative website for those in lower tax brackets The forum’s target audience is anyone investing for retirement. Comparing after-tax returns of funds? Don’t bother. The past is not prologue. Buy the whole market and forgetaboutit. Then, after a few years and when you have the basics down, you ...
by dratkinson
Tue Apr 10, 2018 3:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: Too much Bogleheads.org?
Replies: 76
Views: 9569

Re: Too much Bogleheads.org?

I use to suffer from information overload and worried that I’d miss something. But I found a cure. I taught Excel to do my worrying for me. I’ve learned that I can’t handle pure theory, I need simple action steps. If a BH theory can’t be converted into simple action steps then I can’t use it. Exampl...
by dratkinson
Tue Apr 10, 2018 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Roths are our only retirement option. Should we use them to hold equities?
Replies: 13
Views: 1028

Re: Roths are our only retirement option. Should we use them to hold equities?

BH Roths are our only retirement option. Should we use them to hold equities The concept of keeping all equities in tax-advantaged space is called “shooting for the moon in our tax-advantaged space”. I shoot for the moon in my Roth. Equities. I’d put equities in the Roth. Why? --Equities expected to...
by dratkinson
Tue Apr 10, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 376
Views: 40006

Re: Name something you had to have and now you regret purchasing it?

BH I bought too big of an emergency generator. It burns 5 gallons of gas in less than 8 hours. ... Relatively easy fix. Buy now, to get it in place, what you know you need. Then sell the larger one. Consider it a lesson leaned about "right sizing". I'm in a similar situation and will be doing the sa...
by dratkinson
Mon Apr 09, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Do I need a municipal bond fund anymore?
Replies: 7
Views: 711

Re: Do I need a municipal bond fund anymore?

Option. Equities are expected to grow more than bonds. Which would your retired self prefer, more or less growth in your tax-advantaged space at retirement? Option. To the extreme. There is a concept called "shoot for the moon in our tax-advantaged space" in which we maximize our expected growth in ...
by dratkinson
Mon Apr 09, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 376
Views: 40006

Re: Name something you had to have and now you regret purchasing it?

Learned a lot and was very selective in my second and current marriage. “Current marriage” - lol Do you really introduce your wife as “your current wife”? Seems like one of those quips you can pull off... once. Had a college friend, newly wed to high school sweetheart, who introduced his wife as, "...
by dratkinson
Thu Apr 05, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: Microsoft tech support scam - how to recover?
Replies: 39
Views: 4182

Re: Microsoft tech support scam - how to recover?

They must be trying new wrinkles to see what works. Returned home today to find a computer female voice on my answering machine saying, "We've been ordered to shut down and return the money you paid. Call us so we can repay you." Bet they want my CC number so they can put money back on my account. T...
by dratkinson
Thu Apr 05, 2018 6:11 am
Forum: Personal Consumer Issues
Topic: What's my income? (for credit card application)
Replies: 7
Views: 1310

Re: What's my income? (for credit card application)

Tamarind wrote:
Wed Apr 04, 2018 7:22 am
Watty wrote:
Wed Apr 04, 2018 6:55 am
I have used the total income amount (before adjustments) from my most recent tax return and never had any questions.
This is a good idea because it's easy to substantiate if the bank has questions.
+ any muni dividends, which are not included in total income amount.
by dratkinson
Thu Apr 05, 2018 5:38 am
Forum: Investing - Help with Personal Investments
Topic: Muni Bonds Now?
Replies: 4
Views: 756

Re: Muni Bonds Now?

Found chart "State Credit Rating".

Forum topic reply: viewtopic.php?p=3792782#p3792782

Follow link to chart.
by dratkinson
Thu Apr 05, 2018 5:11 am
Forum: Investing - Help with Personal Investments
Topic: Muni Bonds Now?
Replies: 4
Views: 756

Re: Muni Bonds Now?

One of the forum's senior members recommends CA/NY residents pair limited-term/single-state LT funds 50/50. Why? The pair gives an intermediate-term duration while protecting most of your income from NY. (IT is reported to be the sweet spot for total-return investing* (= NAV appreciation + distribut...
by dratkinson
Thu Apr 05, 2018 3:46 am
Forum: Personal Finance (Not Investing)
Topic: Taxes on Vanguard Muni Funds
Replies: 8
Views: 1028

Re: Taxes on Vanguard Muni Funds

For the Colorado tax form, we enter our federal taxable income (munis dividends excluded, muni CGs included), then we enter "additions to federal taxable income" (non-Colorado source "muni" income,...), and "subtractions from federal taxable income" (US Gov interest,...). Check your CA form and inst...
by dratkinson
Wed Apr 04, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: Microsoft tech support scam - how to recover?
Replies: 39
Views: 4182

Re: Microsoft tech support scam - how to recover?

Played with one scammer for ~30 minutes. --"My PCs not on, it can't be causing problems,” says I. "It is, go start it,” says he. --He heard the PC startup sound (Win98). --Took ~10 minutes to boot first time as startup batch file does daily backup, plus loads needed programs. --I generally make coff...
by dratkinson
Mon Apr 02, 2018 5:41 pm
Forum: Personal Consumer Issues
Topic: Looking for a some good computer speakers to listen to southern gospel music on would like high quality under $100
Replies: 12
Views: 1051

Re: Looking for a some good computer speakers to listen to southern gospel music on would like high quality under $100

I have a set of Altec Lansing ASC45 speakers that I think sound good. Don't remember what I paid. Don't remember when I bought them (maybe >20 years ago). Probably no longer be made. Maybe find them on CL, Amazon, or Ebay.

Search: http://www.google.com/search?q=altec+lansing+asc45
by dratkinson
Mon Apr 02, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Applying some of refund to next year
Replies: 13
Views: 850

Re: Applying some of refund to next year

How do you record the amount carried forward from the last tax year, for use next year? It get reported on line 65, "estimated tax payments and amount applied from last return". Every year I've needed to ensure this entry was made on the tax s/w as it's never been made it for me. Not even when I've...
by dratkinson
Mon Apr 02, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Applying some of refund to next year
Replies: 13
Views: 850

Re: Applying some of refund to next year

Is an overpayment carried forward to next year good for anything? Yes. When the paper saving bond tax refund game was more popular, some reported that the IRS computers couldn't round to zero so they didn't receive their refund as Ibonds, instead they received a check for the same amount. So I lear...
by dratkinson
Mon Apr 02, 2018 4:48 am
Forum: Investing - Help with Personal Investments
Topic: How to invest extra 50K when invested in an already diversified portfolio
Replies: 29
Views: 2567

Re: How to invest extra 50K when invested in an already diversified portfolio

... Example. In your "foreign vs US" topic, you ask if an additional international allocation is beneficial and received advice for and against each option. ... This was not my topic, I didn't create a topic asking this questions, this must be written by someone else. Just FYI. Doh! :oops: JustinR,...
by dratkinson
Sun Apr 01, 2018 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest extra 50K when invested in an already diversified portfolio
Replies: 29
Views: 2567

Re: How to invest extra 50K when invested in an already diversified portfolio

BH How to invest extra 50K when invested in an already diversified portfolio You will get better advice if you keep all of your information in one topic thread. Why? While you know all of your information and one/multiple topic(s) is the same for you, for the forum it is different? Why? Because your...
by dratkinson
Fri Mar 30, 2018 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-exempt muni bond mix vs. CA intermediate-term tax-exempt muni-bond fund
Replies: 19
Views: 1685

Re: Tax-exempt muni bond mix vs. CA intermediate-term tax-exempt muni-bond fund

BH Tax-exempt muni bond mix vs CA intermediate-term tax-exempt muni-bond fund The short answer. Use excel1040.com to simulate your tax returns for each bond option. Select the bond option(s) that produces the most after-tax income. The long answer. Above I suggested that you consider all your option...
by dratkinson
Thu Mar 29, 2018 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-exempt muni bond mix vs. CA intermediate-term tax-exempt muni-bond fund
Replies: 19
Views: 1685

Re: Tax-exempt muni bond mix vs. CA intermediate-term tax-exempt muni-bond fund

BH Tax-exempt muni bond mix vs CA intermediate-term tax-exempt muni-bond fund ... I also cashed out my muni bonds in another brokerage account, and bought treasuries instead. But this is purely because of interest rate hikes, which reduces the bond values (negative YTD) . This is not timing, it is j...
by dratkinson
Wed Mar 28, 2018 9:13 am
Forum: Investing - Help with Personal Investments
Topic: How to set rebalancing bands ?
Replies: 9
Views: 663

Re: How to set rebalancing bands ?

BH How to set rebalance bands The short answer. The easiest way to live with rebalancing is to just add your new money to the asset that is currently low. If you do this, you will probably always stay within the rebalance bands, so nothing to worry about. The long answer. Rebalancing and rebalance b...
by dratkinson
Wed Mar 28, 2018 7:10 am
Forum: Investing - Help with Personal Investments
Topic: Tax-exempt muni bond mix vs. CA intermediate-term tax-exempt muni-bond fund
Replies: 19
Views: 1685

Re: Tax-exempt muni bond mix vs. CA intermediate-term tax-exempt muni-bond fund

... One follow-up question: I don't have individual bonds, I only have individual funds. But I do have Treasury notes, are they considered individual bonds? Don't know the exact answer, but... All treasury products are considered to be insured by uncle sugar so are considered to be "safe" to own. Y...
by dratkinson
Tue Mar 27, 2018 5:59 am
Forum: Investing - Theory, News & General
Topic: Seven-Year Investor Old Beats Harvard’s Endowment Fund
Replies: 21
Views: 2778

Re: Seven-Year Investor Old Beats Harvard’s Endowment Fund

A 7-year-old would be a ~second grader. MarketWatch has tracked the results of several lazy portfolios going back ~20 years. (I first read Paul Farrell's 10-year results in 2005.) One of the tracked lazy portfolios is the "Second Grader's Starter" portfolio. (I believe it may be a recent addition to...
by dratkinson
Tue Mar 27, 2018 5:39 am
Forum: Investing - Help with Personal Investments
Topic: Tax-exempt muni bond mix vs. CA intermediate-term tax-exempt muni-bond fund
Replies: 19
Views: 1685

Re: Tax-exempt muni bond mix vs. CA intermediate-term tax-exempt muni-bond fund

You compare fixed income investments by using: --CD APY, --taxable bond SEC yield, --and muni bond TEY (taxable-equivalent yield), which is based on SEC yield. Muni TEY = SEC yield / (1 - fed tax bracket - state tax bracket). (Assumes you don't take state tax deduction on fed tax return.) For an app...
by dratkinson
Tue Mar 27, 2018 4:49 am
Forum: Personal Consumer Issues
Topic: Digital alarm clock suggestions?
Replies: 38
Views: 2922

Re: Digital alarm clock suggestions?

... I used to have a little Oregon Scientific "atomic clock" (WWVB receiver) but I spent more timing fussing over it than it ever saved me. ... WWVB-receiver "atomic clocks" not only realized the vision, they also reassured me that there were enough people interested in accurate time to constitute ...
by dratkinson
Mon Mar 26, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: Digital alarm clock suggestions?
Replies: 38
Views: 2922

Re: Digital alarm clock suggestions?

BH Digital Alarm Clock Suggestions I wanted a clock radio that would keep good time. Bought a Sangean CL-100 thinking I was done because it sets the time from the FM-RDS (radio broadcast data system) time signal transmitted by some FM stations. Wrong. While it does set the time (the only way possibl...
by dratkinson
Sat Mar 24, 2018 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Online Savings Account Reservations???
Replies: 23
Views: 3378

Re: Online Savings Account Reservations???

Search forum for "The ABP by CC technique" in which I describe how I construct the effect of getting 2%/yr tax-free on my first-year EFs using ~0% checking/savings. If you want to add a HY online savings account to above, that's okay too. Be aware that some banks charge of outgoing ACH push transact...
by dratkinson
Thu Mar 22, 2018 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: Help With Portfolio Questions
Replies: 6
Views: 560

Re: Help With Portfolio Questions

... Thank you. It's going to be a beast to read. I don't think I can outline "all available options" because as far as I know we don't have any kind of limited selection with any of our accounts, so it'll just be listing what we have I guess. But I'll keep plugging along! You are all just the brigh...
by dratkinson
Thu Mar 22, 2018 1:22 am
Forum: Investing - Help with Personal Investments
Topic: Help With Portfolio Questions
Replies: 6
Views: 560

Re: Help With Portfolio Questions

We have an extensive portfolio that i know little about as it was given as a gift. I have no trouble with outlining the macros of the portfolio, and have gotten down to identifying how much in retirement accounts, how much in a muni bond account, etc. What I'm struggling with is the portion of the ...
by dratkinson
Thu Mar 22, 2018 1:00 am
Forum: Personal Consumer Issues
Topic: Chase Freedom Card 5% - any paypal tricks?
Replies: 12
Views: 2430

Re: Chase Freedom Card 5% - any paypal tricks?

You can send to your wife but you will pay paypal fees of 2.9% + $0.30 which is not optimal. A few options I found are: Pay taxes at payusatax.com .. 1.97% fee Gift cards through Paypal digital gifts.. seems like this would count for the freedom category (this used to count for ink cash). Sometimes...
by dratkinson
Mon Mar 19, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: Stovetop Tea Kettle Recommendations?
Replies: 36
Views: 3443

Re: Stovetop Tea Kettle Recommendations?

For ~20 years, I've had a whistling, stainless steel, copper bottom tea kettle made by Revere Ward. Bottom stamped "China". Magnet does not stick to top or bottom so is not plated steel. Checked and Walmart still sells. http://t3.gstatic.com/shopping?q=tbn:ANd9GcRDtVTOkHCmRHHN-agyZ23CfbtYo0KlssG0tXF...
by dratkinson
Sat Mar 17, 2018 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie- Which funds to pick
Replies: 2
Views: 395

Re: Newbie- Which funds to pick

BH Newbie, Which funds to pick? Keep it simple. You can thank us later. Suggestions. r401k --Fidelity freedom INDEX target date retirement (TDR) fund 2055-2060 (assumes you retire at 65), or --Vanguard target date retirement fund 2055-2060. Your choice. rIRA --Fidelity freedom INDEX target date reti...
by dratkinson
Wed Mar 14, 2018 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: simplifying my financial life -- should i get rid of treasury direct?
Replies: 46
Views: 4060

Re: simplifying my financial life -- should i get rid of treasury direct?

I went through the simplification drill a few years back and closed several accounts. TD was one of them. I'm down to 1 bank, 1 CU, 2 investment relationships. .. Closed my TD account after finding an acceptable single-state muni fund. .. I don't see having 2 checking accounts as a complication, bu...
by dratkinson
Wed Mar 14, 2018 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: simplifying my financial life -- should i get rid of treasury direct?
Replies: 46
Views: 4060

Re: simplifying my financial life -- should i get rid of treasury direct?

I went through the simplification drill a few years back and closed several accounts. TD was one of them. I'm down to 1 online bank, 1 local B&M CU, 2 investment relationships. All mail at least an annual paper statement, tax documents, and have decent telephone support. Mailed statements. I conside...
by dratkinson
Tue Mar 13, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: Auto water sprinklers
Replies: 9
Views: 1008

Re: Auto water sprinklers

Recall forum topic from distant past. There is a method to installing sprinkler systems (head coverage overlaps,...), and a link was posted to a website that taught those design concepts. Don't remember recommended website. Bottom line. For your sprinkler system to work as you hope, you'll need to l...
by dratkinson
Mon Mar 12, 2018 7:35 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 283
Views: 41738

Re: [Yahoo Finance no longer works - Alternatives to download securities quotes]

Remember we can use the <shift> key method to mark/copy long sections of text. --Click mouse to mark/highlight the top-left corner of the needed text. Release mouse button. --PageDown/End/scroll to reposition mouse cursor past right end of bottom-right corner of needed text. --Press <shift> and cli...
by dratkinson
Mon Mar 12, 2018 5:25 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 283
Views: 41738

Re: [Yahoo Finance no longer works - Alternatives to download securities quotes]

I use the Yahoo Finance watch list and then copy-and-paste into MS Excel method. The main problem now is that my Yahoo list has 20 rows that keep track of ETFs and benchmark indices, so highlighting them can be quite a bit of an acrobatic job. ... Remember we can use the <shift> key method to mark/...