Search found 968 matches

by zaplunken
Sun Aug 25, 2019 7:10 pm
Forum: US Chapters
Topic: To Avatar or Not - Get One? How did you choose?
Replies: 147
Views: 14467

Re: To Avatar or Not - Get One? How did you choose?

I stumbled upon my avatar when looking through gallery of avatars at another site. I was stuck by the brilliant colors, how the blue lips looked like they are vinyl coated and the green drink is a nice contrast. Plus is is pretty easy to spot!
by zaplunken
Tue Jul 30, 2019 1:48 pm
Forum: Personal Investments
Topic: How do I convert part of my Rollover IRA to my Roth?
Replies: 16
Views: 1167

Re: How do I convert part of my Rollover IRA to my Roth?

Curious can't you pay the taxes any time as long as they are not late? Example convert on 10/1 pay taxes on 11/1 or 12/15 just as long as before the January date. No, you can't. If you convert in Q4 the taxes on that conversion are still due in the first 3 quarters. I am really confused by these 3 ...
by zaplunken
Tue Jul 30, 2019 7:57 am
Forum: Personal Investments
Topic: How do I convert part of my Rollover IRA to my Roth?
Replies: 16
Views: 1167

Re: How do I convert part of my Rollover IRA to my Roth?

Curious can't you pay the taxes any time as long as they are not late? Example convert on 10/1 pay taxes on 11/1 or 12/15 just as long as before the January date.
by zaplunken
Sun Jul 28, 2019 4:09 pm
Forum: Personal Investments
Topic: How do I convert part of my Rollover IRA to my Roth?
Replies: 16
Views: 1167

Re: How do I convert part of my Rollover IRA to my Roth?

So this sounds much simpler than I feared. Apparently when I go to exchange from the rollover IRA into the Roth IRA there is some way to indicate that is what I want to do (ie a Roth conversion) and I can also indicate at that time to not withhold taxes (so the entire amount is moved to the Roth IRA...
by zaplunken
Sun Jul 28, 2019 3:35 pm
Forum: Personal Investments
Topic: How do I convert part of my Rollover IRA to my Roth?
Replies: 16
Views: 1167

Re: How do I convert part of my Rollover IRA to my Roth?

Yes all the money in the rollover IRA is pre-tax money. I have been retired for 12 years so no way to withhold taxes from a paycheck. How do I pay estimated taxes?
by zaplunken
Sun Jul 28, 2019 3:31 pm
Forum: Personal Investments
Topic: How do I convert part of my Rollover IRA to my Roth?
Replies: 16
Views: 1167

Re: How do I convert part of my Rollover IRA to my Roth?

Can you roll your Rollover IRA back into a 401k? If not, posters will want to know how much is in the rollover, since you will be taxed on a ratio, I.e., not only the $1000 matters. No I can't move money back into the 401k, that was rolled over to Vanguard 12 years ago. I thought you were taxed on ...
by zaplunken
Sun Jul 28, 2019 3:17 pm
Forum: Personal Investments
Topic: How do I convert part of my Rollover IRA to my Roth?
Replies: 16
Views: 1167

How do I convert part of my Rollover IRA to my Roth?

I am totally lost. I do NOT understand taxes and have never done a conversion before. Looking at the Wiki has made me even more confused and I can't find how this is done. Let's start simple, very basic. I have a Trust (taxable) account, a rollover IRA (from my 401k) and a Roth IRA and all are Vangu...
by zaplunken
Sun Jul 21, 2019 8:02 pm
Forum: Personal Consumer Issues
Topic: Wood burning stoves
Replies: 30
Views: 2331

Re: Wood burning stoves

I have heated with wood since 1991 in a 1500 sq ft both houses same stove. My VC is warped and not air tight but still gets the job done. This was recommended by the guy that has cleaned my chimney for years, he has one and says they are good. Last time I looked at this bookmark it was $699, this is...
by zaplunken
Sat Jul 20, 2019 6:21 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1159
Views: 177761

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Looking at a 4 cylinder 2005 or 2006, forget the year, CRV. I assume those engines don't have the problem being discussed in this thread based upon the year of manufacture? 2017 and newer turbos. Thank you. I have followed this thread starting a few days after it was created but there's been so muc...
by zaplunken
Sat Jul 20, 2019 3:25 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1159
Views: 177761

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Looking at a 4 cylinder 2005 or 2006, forget the year, CRV. I assume those engines don't have the problem being discussed in this thread based upon the year of manufacture?
by zaplunken
Tue Jul 09, 2019 7:52 am
Forum: Personal Investments
Topic: Is Total International Stock Market Index in taxable account as tax efficient as the Total Stock Market Index?
Replies: 13
Views: 2236

Re: Is Total International Stock Market Index in taxable account as tax efficient as the Total Stock Market Index?

Looking at my statement closely, I think I see why this was confusing. I am comparing apples to oranges. The navs are vastly different for these 2 funds, the dividend amount is different, it's just not comparable. The reinvestment price for the TSMI is $71.58 whereas the TISMI reinvestment price is ...
by zaplunken
Mon Jul 08, 2019 4:15 pm
Forum: Personal Investments
Topic: Is Total International Stock Market Index in taxable account as tax efficient as the Total Stock Market Index?
Replies: 13
Views: 2236

Re: Is Total International Stock Market Index in taxable account as tax efficient as the Total Stock Market Index?

The dividends for Total Stock Market (TSM) are about 100% qualified and the dividends for Total International Stock Market (TISM) are about 70% qualified. This makes TSM better in taxable at first glance. But, when you add in the Foreign tax credit that evens things out. One year TSM may do a littl...
by zaplunken
Mon Jul 08, 2019 4:09 pm
Forum: Personal Investments
Topic: Is Total International Stock Market Index in taxable account as tax efficient as the Total Stock Market Index?
Replies: 13
Views: 2236

Re: Is Total International Stock Market Index in taxable account as tax efficient as the Total Stock Market Index?

The dividends for Total Stock Market (TSM) are about 100% qualified and the dividends for Total International Stock Market (TISM) are about 70% qualified. This makes TSM better in taxable at first glance. But, when you add in the Foreign tax credit that evens things out. One year TSM may do a littl...
by zaplunken
Mon Jul 08, 2019 3:34 pm
Forum: Personal Investments
Topic: Is Total International Stock Market Index in taxable account as tax efficient as the Total Stock Market Index?
Replies: 13
Views: 2236

Is Total International Stock Market Index in taxable account as tax efficient as the Total Stock Market Index?

I read that the Total International Stock Market Index (TISMI) gets better tax treatment in a taxable account than the Total Stock Market Index (TSMI), I am aware that both are very tax efficient, because the TISMI gets a foreign tax credit IIRC. Looking at my June statements from Vanguard, I am sur...
by zaplunken
Thu Jun 06, 2019 8:06 pm
Forum: Investing - Theory, News & General
Topic: Safety of investing in CDs with online bank?
Replies: 9
Views: 1302

Re: Safety of investing in CDs with online bank?

I funded a 15 month CD at Ally Bank yesterday that I purchased May 28, you have 10 days to fund it. Rate is 2.8% FDIC insured. You won't find these on their website you need to call and ask about it, they are called Select CDs. The offer expired 5/31 but they told me it may be renewed for June, on 5...
by zaplunken
Thu May 30, 2019 8:08 am
Forum: Personal Investments
Topic: Ally CD vs Vanguard Ultra Short Term Bond Fund both in taxable account
Replies: 13
Views: 1506

Re: Ally CD vs Vanguard Ultra Short Term Bond Fund both in taxable account

Oops! I just called Ally and the 15 month CD is available to 5/31 at 2.8%. I can't get the 5 bp bonus cuz I didn't roll it over because I opened a new CD but that is not a problem since 2.8% is better then 2.6% plus a 5 bp bonus. They told me that the 15 month CD may be renewed by Ally on 6/1 or may...
by zaplunken
Thu May 30, 2019 7:45 am
Forum: Personal Investments
Topic: Ally CD vs Vanguard Ultra Short Term Bond Fund both in taxable account
Replies: 13
Views: 1506

Re: Ally CD vs Vanguard Ultra Short Term Bond Fund both in taxable account

Thanks all. I realize the difference in interest between the CD or USTBF is pretty minor on $25k, it was the cap gains if rates drop and the nav increases that made me question the USTBF vs the CD re extra taxes. I will check out Ally on the 15 month CD. If I can get that today before my CD matures ...
by zaplunken
Wed May 29, 2019 8:39 pm
Forum: Personal Investments
Topic: Ally CD vs Vanguard Ultra Short Term Bond Fund both in taxable account
Replies: 13
Views: 1506

Ally CD vs Vanguard Ultra Short Term Bond Fund both in taxable account

I have an Ally High Yield CD that's about to mature in 7 or 8 days in a taxable account. I intended to let it roll over with Ally at 2.7% plus get an extra 5 bp for rolling it over there but tonight I see the yield has dropped to 2.6% so that would be 2.65% if I roll it over. The Vanguard Ultra Shor...
by zaplunken
Tue Apr 09, 2019 7:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market yield over 2.5%
Replies: 232
Views: 52418

Re: Vanguard Prime Money Market yield over 2.5%

Ally Bank still has a 12 month CD for 2.75% and it doesn't show any minimum like their other CDs.
https://www.ally.com/bank/cd-rates/
by zaplunken
Mon Apr 01, 2019 8:12 am
Forum: Personal Consumer Issues
Topic: Do others dislike Vanguard's new website as much as me?
Replies: 205
Views: 13564

Re: Do others dislike Vanguard's new website as much as me?

I don't know what is wrong with Vanguard's website, it works fine for me. I can find the things I want to find. I like how they group the funds and the pages on those funds provide the info I want. So what exactly is the problem?
by zaplunken
Sat Mar 23, 2019 7:58 pm
Forum: Investing - Theory, News & General
Topic: Why is Prime Money Market and Ultra Short Term Bond Fund behaving this way?
Replies: 13
Views: 2893

Re: Why is Prime Money Market and Ultra Short Term Bond Fund behaving this way?

I was not trying to comapre the PMM to 1 yr T bills but I was for the USTBF. While I know both aren't heavy into nor track treasuries, I was thinking both are short term and to some degree the bills under 1 year should have some effect on them no? The PMM maybe would reflect the 30 and 60 day bills ...
by zaplunken
Fri Mar 22, 2019 7:47 pm
Forum: Investing - Theory, News & General
Topic: Why is Prime Money Market and Ultra Short Term Bond Fund behaving this way?
Replies: 13
Views: 2893

Why is Prime Money Market and Ultra Short Term Bond Fund behaving this way?

I hold the Prime Money Market (PMM) and the Ultra Short Term Bond Fund (USTBF) and just for fun I look at the SEC yield of both and the nav of the USTBF each night just to see whether the yields change due to the drop in interest rates lately. While the 1 year Treasury bill's coupon has been going d...
by zaplunken
Wed Mar 20, 2019 8:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market yield over 2.5%
Replies: 232
Views: 52418

Re: Vanguard Prime Money Market yield over 2.5%

Ally Bank has a 12 CD at 2.75%, I would avoid GNMA due to negative convexity.
by zaplunken
Wed Mar 13, 2019 7:34 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1159
Views: 177761

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

That's probably the case with all dealerships.

I doubt Honda dealers would put anything in writing re the oil dilution since they don't acknowledge it's existance and it isn't covered under the manufacturer's warranty.
by zaplunken
Mon Mar 11, 2019 5:31 pm
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 200
Views: 17277

Re: Are Password Managers Really Necessary?

Copy and paste seems dangerous even though I set the time out to keep it in the clipboard for 10 seconds cuz it is there for those 10 seconds. This is why I thought click, drag and drop was safer but that may be putting it into the clipboard too and I don't know that. I think you need to reevaluate...
by zaplunken
Mon Mar 11, 2019 4:10 pm
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 200
Views: 17277

Re: Are Password Managers Really Necessary?

When I went to the "Edit/View Entry" option for an entry, I then clicked on the Auto-type tab in that section. At the bottom of that tab I ticked the obfuscation box and was presented with a pop-up warning me that it does not work everywhere. I clicked ok, and then "saved" the change. The next time...
by zaplunken
Mon Mar 11, 2019 2:13 pm
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 200
Views: 17277

Re: Are Password Managers Really Necessary?

Something I wonder about, does anyone know? Using KP I can copy and paste a userid or password or I can click and drag and drop them. Now copy and paste stores it in the clipboard but I set the timeout to 10 seconds but for those 10 seconds I assume they are visible. Would the click and drag elimin...
by zaplunken
Mon Mar 11, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1159
Views: 177761

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

This thread was started "by CULater » Wed Mar 14, 2018 1:34 pm" so we are 3 days short of 1 full year. Why do you guys care whether the OP keeps his car or why he keeps updating this thread? Maybe he wants to keep people informed or maybe he has a sense of right and wrong and wants the right thing t...
by zaplunken
Sun Mar 10, 2019 11:43 am
Forum: Personal Investments
Topic: Tax efficiency in a taxable account
Replies: 20
Views: 2545

Re: Tax efficiency in a taxable account

Thanks everyone. I tend to be very intent upon doing what is the very best, not 90% or 93%! Sometimes being a perfectionist is hard, analysis paralysis and all that. I have no reason/need to tax loss harvest today as the only investment in my taxable account is the TSMI and it's up about 10% over th...
by zaplunken
Sat Mar 09, 2019 10:13 pm
Forum: Personal Investments
Topic: Tax efficiency in a taxable account
Replies: 20
Views: 2545

Re: Tax efficiency in a taxable account

So it reads like you want to spend $1.02 in order to save $1.00 on taxes. It is late and I'm beat (having trouble thinking clearly!) but would like to continue this discussion tomorrow. I am sorry but I don't understand your post. Which concept in my post does your comment apply to? I'm guessing th...
by zaplunken
Sat Mar 09, 2019 9:43 pm
Forum: Personal Investments
Topic: Tax efficiency in a taxable account
Replies: 20
Views: 2545

Re: Tax efficiency in a taxable account

Thank you for your replies, I'll look into the 2 funds that livesoft mentioned. I am not expert, but you might find it useful to look at the following https://advisors.vanguard.com/VGApp/iip/advisor/csa/investments/taxcenter/yeartodate to get an idea of the relative tax efficienty of the VG funds. ...
by zaplunken
Sat Mar 09, 2019 8:37 pm
Forum: Personal Investments
Topic: Tax efficiency in a taxable account
Replies: 20
Views: 2545

Re: Tax efficiency in a taxable account

Thank you for your replies, I'll look into the 2 funds that livesoft mentioned.
by zaplunken
Sat Mar 09, 2019 5:21 pm
Forum: Personal Investments
Topic: Tax efficiency in a taxable account
Replies: 20
Views: 2545

Re: Tax efficiency in a taxable account

Do you want to spend $2 to save $1 on taxes? Do you want to spent $1.02 to save $1 on taxes? I don't think that makes sense, spending $2 to save $1 is a loss of $1, no? That seems counterproductive. I'm just interesting in having holdings in a taxable account that doesn't generate a lot of taxable ...
by zaplunken
Sat Mar 09, 2019 4:46 pm
Forum: Personal Investments
Topic: Tax efficiency in a taxable account
Replies: 20
Views: 2545

Re: Tax efficiency in a taxable account

Thank you. So if these 2 "total stock" mutual funds are not the most tax efficient what would be? I think it is good to minimize taxes so while I am not in a high tax bracket what would be better choices other than the 2 "tota" stock" mutual funds? Is the Vanguard Tax-Managed Balanced Fund Admiral S...
by zaplunken
Sat Mar 09, 2019 4:30 pm
Forum: Personal Investments
Topic: Tax efficiency in a taxable account
Replies: 20
Views: 2545

Tax efficiency in a taxable account

I remember reading some years ago (in the WIKI?) that the Total Stock Market Index and the Total International Stock Market Index were good if not the best mutual funds to hold in a taxable account due to their tax efficiency ie low turnover. I won't be taking RMDs for 2 years, I do not need the inc...
by zaplunken
Fri Mar 08, 2019 9:06 pm
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 200
Views: 17277

Re: Are Password Managers Really Necessary?

Something I wonder about, does anyone know? Using KP I can copy and paste a userid or password or I can click and drag and drop them. Now copy and paste stores it in the clipboard but I set the timeout to 10 seconds but for those 10 seconds I assume they are visible. Would the click and drag elimina...
by zaplunken
Thu Mar 07, 2019 3:56 pm
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 200
Views: 17277

Re: Are Password Managers Really Necessary?

The only secure way is to store passwords is in your head. Period. And the way you do it with multiple sites is by creating a unique phrase for each site with what is called a “cipher”. A single code word only you know. That code is your core to which you build your unique password by adding someth...
by zaplunken
Mon Mar 04, 2019 7:34 pm
Forum: Personal Consumer Issues
Topic: Do others dislike Vanguard's new website as much as me?
Replies: 205
Views: 13564

Re: Do others dislike Vanguard's new website as much as me?

Thanks to an employer benefit, I just created a Fidelity account. I never knew what I was missing until I had something to compare with Vanguard. With Fidelity, my employer benefits (from netbenefits.com) are fully integrated into the personal website (fidelity.com). One login, see everything in on...
by zaplunken
Fri Mar 01, 2019 8:29 pm
Forum: Personal Consumer Issues
Topic: Do others dislike Vanguard's new website as much as me?
Replies: 205
Views: 13564

Re: Do others dislike Vanguard's new website as much as me?

Well this is interesting to know, if I really want to find something at Vanguard's site I'll use Chrome. I just wrote this off as "Vanguard's search is as useless as just about all websites' searches". Now I wonder if those others would be effective using Chrome?
by zaplunken
Fri Mar 01, 2019 6:57 pm
Forum: Personal Consumer Issues
Topic: Do others dislike Vanguard's new website as much as me?
Replies: 205
Views: 13564

Re: Do others dislike Vanguard's new website as much as me?

LadyGeek,

Just for me to be clear I can see that page for the Ultra Short Term Bond Fund in both FF and Chrome. It is when I do a search from the Search box on that screen when I search for "ex div" (no quotes) Chrome returns a list of hits whereas FF returns "No Matches Found".
by zaplunken
Thu Feb 28, 2019 9:14 pm
Forum: Personal Consumer Issues
Topic: Do others dislike Vanguard's new website as much as me?
Replies: 205
Views: 13564

Re: Do others dislike Vanguard's new website as much as me?

I just tried ex div with both browsers and got No Matches Found for both. I never found the search feature on any website to be worth the powder to blow it to Hell.
by zaplunken
Thu Feb 28, 2019 7:25 pm
Forum: Personal Consumer Issues
Topic: Do others dislike Vanguard's new website as much as me?
Replies: 205
Views: 13564

Re: Do others dislike Vanguard's new website as much as me?

I just did a search using FF and Chrome from the same Vanguard address (https://investor.vanguard.com/mutual-fu ... ance/vusfx) for "small cap growth" not in quotes BTW and I got the same results on both browsers.
by zaplunken
Wed Feb 27, 2019 9:04 pm
Forum: Personal Consumer Issues
Topic: Do others dislike Vanguard's new website as much as me?
Replies: 205
Views: 13564

Re: Do others dislike Vanguard's new website as much as me?

Vanguard’s website is just fine. Gives me what I need. My only interactions with Fidelity are through the NetBenefit site. I find that site to be very clunky and difficult to navigate. I couldn't agree more! On a desktop pc I look at Vanguard's site 2x a month to check AA and Fido's NetNenefit the ...
by zaplunken
Sun Feb 17, 2019 5:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market yield over 2.5%
Replies: 232
Views: 52418

Re: Vanguard Prime Money Market yield over 2.5%

Momus wrote:
Sun Feb 17, 2019 5:01 pm
I post so I can save this thread for later use 8-)
Or you could just Subscribe. :wink:
by zaplunken
Sat Feb 09, 2019 4:00 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1159
Views: 177761

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

According to Consumer Reports, Honda company spokesman said, the repair (of current models) will be covered by the warranty, and will also be applied to 2019 model-year CR-Vs before the 2019s go on sale. I think the Civic and CR-Vs have the same engine). Without understanding how the fix is achieve...
by zaplunken
Mon Jan 28, 2019 8:29 pm
Forum: US Chapters
Topic: Happy Birthday, Taylor!
Replies: 76
Views: 4609

Re: Happy Birthday, Taylor!

Happy Birthday Sir!
by zaplunken
Wed Jan 16, 2019 7:59 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 58156

Re: John Bogle is dead at 89

What a sad day, one of the greatest men to have walked the Earth has left us. You did so much for so many, you were a modest man whose efforts have made such a profound difference in the lives of so many.Thank you Sir. RIP Mr. Bogle.