Search found 4168 matches

by dratkinson
Fri May 25, 2018 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Eaton Vance?
Replies: 3
Views: 460

Re: Eaton Vance?

A quick internet search for "leaving Eaton Vance" didn't find any great client abuse issues, so they seem to be not as bad as Edward Jones. But a quick search for "Eaton Vance fees" found they do sell in-house funds with a sales load. Meaning: if you friend is not knowledgeable about loads/fees, the...
by dratkinson
Fri May 25, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: Rental car in Denver, CO
Replies: 19
Views: 1127

Re: Rental car in Denver, CO

In the early '90s, four of us USAF coworkers attended a multi-day meeting in Colorado Springs. We handled our ground transportation needs by renting from Rent-A-Wreck. The car was a big old Bonneville and could easily carry a half-dozen folks and all of their baggage. (Don't remember how we got from...
by dratkinson
Wed May 23, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: AAA vs. GEICO for Roadside Assistance--Help Me Decide!
Replies: 30
Views: 1841

Re: AAA vs. GEICO for Roadside Assistance--Help Me Decide!

... Lock out assistance Paid one locksmith to unlock my vehicle many years ago. Now I self-insure by keeping my vehicle's thin valet key in my wallet; it's stuck in the card slot behind my driver's license. Don't know what folks can do if they have a fat key. Maybe one of the magnetic key boxes wou...
by dratkinson
Tue May 22, 2018 7:09 pm
Forum: Personal Consumer Issues
Topic: AAA vs. GEICO for Roadside Assistance--Help Me Decide!
Replies: 30
Views: 1841

Re: AAA vs. GEICO for Roadside Assistance--Help Me Decide!

My insurance does not cover towing. The few times I've been towed, I recall paying a hookup change (~$50, maybe) plus a trip charge (~$1/mile, maybe). I was glad to pay the towing bill* to get my vehicle to my preferred dealer's repair shop. Getting my vehicle repaired by the shop I wanted, and havi...
by dratkinson
Mon May 21, 2018 5:29 am
Forum: Personal Consumer Issues
Topic: Best used SUV, Wagon, Hatch, Pickup under $10k
Replies: 34
Views: 2687

Re: Best used SUV, Wagon, Hatch, Pickup under $10k

Recall Consumer Reports periodically has an issue listing used vehicle reliability.

Can search internet.
See: http://www.google.com/search?q=most+lea ... n+maintain
by dratkinson
Sun May 20, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: Pay TV scams?
Replies: 3
Views: 675

Re: Pay TV scams?

Would OTA (over the air) TV work for you? Go to tvfool.com, enter your zipcode (optional: street address and antenna height), and see what stations are available to you. Disclosure. Being in a metropolitan area, rabbit ears get ~50 channels (all varieties). A rooftop antenna with rotor would get a f...
by dratkinson
Sun May 20, 2018 6:33 am
Forum: Investing - Help with Personal Investments
Topic: Why is my after tax contribution showing up a penny less?
Replies: 6
Views: 611

Re: Why is my after tax contribution showing up a penny less?

Since you invested in a TDR fund, it's probably a rounding error. Sometimes the rounding goes in our favor, sometimes against us. Check the price of the TDR fund on the day you bought it. Round the number of shares to xxx.xxx (thousandths), just like we were taught in HS. Now multiply the rounded sh...
by dratkinson
Sat May 19, 2018 7:50 pm
Forum: Investing - Theory, News & General
Topic: Which AA do people draw from in retirement?
Replies: 17
Views: 1444

Re: Which AA do people draw from in retirement?

... Thanks KlangFool. So, in a bear market, you would pull that cash from Bonds? And in a bull market from stocks? Cash reserve. If you use the cash reserve idea (5yrs typically reported), then during a bull market you'll be refilling your cash reserve while you continued to withdraw from cash to p...
by dratkinson
Fri May 18, 2018 6:34 pm
Forum: Investing - Theory, News & General
Topic: Which AA do people draw from in retirement?
Replies: 17
Views: 1444

Re: Which AA do people draw from in retirement?

Add to above Wiki discussion. Recall some retirees report keeping 5yr of living expenses in cash equivalents (1yr) and safer bond/stable value funds (4yrs) to avoid the Sequence of Return Risk (retirees forced to sell equities during a down market). Assume markets recover within 4yrs of crash. Recal...
by dratkinson
Wed May 16, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Ratio of car repair cost to car's value?
Replies: 17
Views: 1384

Re: Ratio of car repair cost to car's value?

If I really liked the car, I wouldn't bother calculating anything. I would just get the car fixed. If it was just another vehicle to me, I sell it when the cost to fix is more than the car is worth, even if it is just new tires. I figure $1,000 is about 4 months of car payments for me and then acco...
by dratkinson
Mon May 14, 2018 8:58 pm
Forum: Personal Consumer Issues
Topic: Subaru Crosstrek vs Outback
Replies: 32
Views: 2342

Re: Subaru Crosstrek vs Outback

BH Subaru Crosstrek vs Outback Whichever vehicles you rent to test or buy to own, ensure you read the owner's manual section on engine/compression braking. Why? You should use engine braking coming down the mountains, not your service brake. Why? If you use only the service brake coming down the mou...
by dratkinson
Mon May 14, 2018 5:51 pm
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 127
Views: 9006

Re: The front page is ugly

i dislike the front page because it is pretty useless to me. I mostly have to scroll way down to get to the board links. ... After the home page loads, hit the <End> key to be taken immediately to the bottom of the home page---no scrolling required. Easy peasy. Option. I like the BH homepage as it ...
by dratkinson
Sat May 12, 2018 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Quest for the perfect online savings bank
Replies: 18
Views: 2255

Re: Quest for the perfect online savings bank

BH Quest for the perfect online savings bank I had to roll-my-own to get the banking relationship(s) I wanted. My current banking relationships. --Earns 2%/yr tax-free on 1yr of living expenses kept in checking, savings, mmkt. --Local B&M with several thousand nationwide walk-in locations and free A...
by dratkinson
Sat May 12, 2018 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Is it possible to automatically use short-term (13-26 weeks) treasury bills to buy I Bonds upon maturity?
Replies: 3
Views: 309

Re: Is it possible to automatically use short-term (13-26 weeks) treasury bills to buy I Bonds upon maturity?

BH Is it possible to automatically use ST T-bills to buy I bonds upon maturity You can do anything with the T-bill proceeds that you like. Even buy I bonds. But I'm ignorant of any automated procedure to do so. If you are looking for a way around the saving bond annual purchase limit, then I know of...
by dratkinson
Fri May 11, 2018 7:25 pm
Forum: Personal Consumer Issues
Topic: Lifting Heavy Objects onto a Vehicle Cargo Tray; Need Ideas!
Replies: 28
Views: 1918

Re: Lifting Heavy Objects onto a Vehicle Cargo Tray; Need Ideas!

I like the idea of adding a hand winch to your existing hand truck. A hand winch should be cheap to buy. And relatively easy to attach it to the top of your hand truck. For ideas of final product, see hand truck winch: http://www.google.com/search?q=hand+truck+winch&newwindow=1&tbm=isch The problem ...
by dratkinson
Fri May 11, 2018 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do to lower our oversized emergency fund?
Replies: 35
Views: 3282

Re: What would you do to lower our oversized emergency fund?

Max your annual contributions to your tax-advantaged retirement space. Your retired self will thank you. Keep all Roth accounts for retirement. Your retired self will thank you. If you begin taxable investing.... Start with the bond fund. It's safer than equities so performs double-duty as an extend...
by dratkinson
Thu May 10, 2018 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: LT Muni Bonds: buy and sell anytime? Rookie.
Replies: 11
Views: 768

Re: LT Muni Bonds: buy and sell anytime? Rookie.

The short answer. You can buy a bond fund at anytime and sell it at anytime. But since the price fluctuates inversely to interest rate, you could gain or lose money on the sale. You can also lose money on the purchase if your intended need for the fund principle and the fund's duration don't match. ...
by dratkinson
Wed May 09, 2018 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 17703

Re: Ed. Jones rep didn't like our plan, now we're locked out

... I am not an attorney, but that FA's shenanigans seems very much like embezzlement to me, even before he was told to stop the churning... and more so after being told and not changing the thievery. +1. But I'm not a stakeholder so have no say in the matter, so better to remain silent and ignore ...
by dratkinson
Wed May 09, 2018 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Investment Plan
Replies: 24
Views: 2419

Re: Emergency Fund Investment Plan

My abbreviated answer. I bonds mature at 30-years so if not used for an emergency, then you will be redeeming them at age 63, before you retire, and paying tax on them at your highest fed tax rate. At your assumed higher tax rate, an intermediate-term national municipal bond fund might work well as ...
by dratkinson
Wed May 09, 2018 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to simplify portfolio?
Replies: 7
Views: 623

Re: Best way to simplify portfolio?

Since you are considering restructuring all of your investments, you need to have your total financial situation reviewed. To do that, please edit your OP (original post, original poster) to include all of the information requested in the sticky "Asking Portfolio Questions". Please keep the same for...
by dratkinson
Wed May 09, 2018 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 17703

Re: Ed. Jones rep didn't like our plan, now we're locked out

... Our (older) neighbor moved to them from a "terrible advisor" (can't imagine how bad that one must have been) It's taking all I have to keep my mouth shut and poking in where i am not wanted but it's intensely irritating as I'm sure she is paying all the same fees... When I found the BH way, I t...
by dratkinson
Sun May 06, 2018 6:36 pm
Forum: Investing - Theory, News & General
Topic: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?
Replies: 114
Views: 6186

Re: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?

Got it. TBM as used in the 3-fund portfolio provides diversity, not a hedge. From your linked article (emphasis mine): ... The amount of assets devoted to the TIPS determines how much reliable retirement income is provided by the portfolio. The TIPS assets used to purchase a life annuity, along with...
by dratkinson
Sun May 06, 2018 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 17703

Re: Ed. Jones rep didn't like our plan, now we're locked out

In for the ride. As a part of your follow-up actions, could put a magnetic sign on your car that said: "Google: leaving Edward Jones." Anyone performing the search would find open source horror stories of former EJ clients. And if your old EJ rep complains, then change the sign to: "Don't Google: le...
by dratkinson
Sun May 06, 2018 4:58 pm
Forum: Investing - Theory, News & General
Topic: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?
Replies: 114
Views: 6186

Re: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?

Clarification question. The bond fund of 3-fund portfolio fame, is added not as diversification-to, but as a hedge-against the (more) risky assets?
by dratkinson
Sat May 05, 2018 8:15 pm
Forum: Investing - Theory, News & General
Topic: Best Forex Books?
Replies: 5
Views: 523

Re: Best Forex Books?

My faulty memory seems to recall that Larry Swedroe mentioned forex trading in his book "The Only Guide to Alternative Investments You'll Ever Need". Recall his advice was... "don't do it." Play money. Some of us need a play money account to make us feel like we are "doing something", not just passi...
by dratkinson
Thu May 03, 2018 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Swollen Emergency Fund....What now?
Replies: 43
Views: 3189

Re: Swollen Emergency Fund....What now?

Guys I appreciate all of the guidance. I think I will see what the advisor says. He talked like a brokerage account of mutual funds is where we need to invest due to our budget, current income and overall goals. I was a bit shocked at the 5% up front fees....is that normal? If he determines that yo...
by dratkinson
Thu May 03, 2018 7:39 pm
Forum: Investing - Theory, News & General
Topic: can someone explain me AMT in dummy terms?
Replies: 15
Views: 2449

Re: can someone explain me AMT in dummy terms?

... the second thing reading on AMT, is that everyone says it affects the range of people who pull in 200-500k.. what I don't understand here is why it doesn't "affect" people who make more then 500k ??? ... It doesn't affect them because folks in the highest tax brackets are already paying a highe...
by dratkinson
Thu May 03, 2018 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Swollen Emergency Fund....What now?
Replies: 43
Views: 3189

Re: Swollen Emergency Fund....What now?

BH Swollen Emergency Fund....What now ... maybe consider an intermediate term municipal, corporate or bond index fund as a “second tier” emergency fund. +1. Double-duty bond fund in taxable. To branch into bonds in a taxable account to do double-duty (1) as an extended/second tier of your EFs and (2...
by dratkinson
Wed May 02, 2018 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Disclosure: My Colorado muni bond fund: WTCOX.
Replies: 5
Views: 1217

Re: Disclosure: My Colorado muni bond fund: WTCOX.

After the Reuter award last year, Denver Investments negotiated to be bought-by/merge-with Segall Bryant & Hamill. According to the proxy material, the business model would remain the same, current staff would remain, but the combination would have more resources and do business as SBH. New homepage...
by dratkinson
Wed May 02, 2018 3:52 pm
Forum: Investing - Theory, News & General
Topic: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?
Replies: 114
Views: 6186

Re: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?

+1 I don't usually stay long in theory topics as they quickly get beyond my level of understanding. But did for this one. I found grok's link especially helpful as Glyn Holton dumbed-down the related theories enough that I could understand the high-level concept. i think tobin did it? https://www.gl...
by dratkinson
Mon Apr 30, 2018 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Purchasing I-Bonds for children
Replies: 8
Views: 1161

Re: Purchasing I-Bonds for children

Once they get some earned income, consider starting Roth IRAs. They programmed and published a simple PC game a few months ago. I will definitely start a ROTH IRA for them if it generates more than a few dollars. They are working on a more ambitious game right now :D To contribute to a rIRA (Roth I...
by dratkinson
Sun Apr 29, 2018 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Purchasing I-Bonds for children
Replies: 8
Views: 1161

Re: Purchasing I-Bonds for children

Believe all of Vanguard's all-in-one funds (STAR, LifeStrategy, target date retirement) have a $1K purchase minimum. Because of the higher growth potential, I'd prefer equities over (savings) bonds for a long-term investment. But a $1K purchase minimum, low-bond-percentage, all-in-one fund should be...
by dratkinson
Sat Apr 28, 2018 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: 26 Year Old Asking For Advice
Replies: 14
Views: 1900

Re: 26 Year Old Asking For Advice

Please edit your OP (original post, original poster) to include all of the information requested in the sticky "Asking Portfolio Questions". Keep the same format, because we're use to seeing the information presented that way so we know where to go to find the pieces we're looking for. Old joke. Pat...
by dratkinson
Tue Apr 24, 2018 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with a recent "windfall"?
Replies: 8
Views: 1368

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

I forgot that savings bonds can perform double-duties that might apply to you: as a tier of our EFs, and as a tax-exempt way to pay for kiddos' allowed education expenses. Edited above to include.
by dratkinson
Mon Apr 23, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with a recent "windfall"?
Replies: 8
Views: 1368

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

BH 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 - $27...
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: 868

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: 2030

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: 13435

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: 1382

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: 1275

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: 1243

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: 1408

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: 2910

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: 6692

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: 6692

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: 13435

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: 13
Views: 1650

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: 2008

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: 5523

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: 79
Views: 11157

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...