Suggestions for the Wiki

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dodecahedron
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Re: Suggestions for the Wiki

Post by dodecahedron » Sat Aug 27, 2016 7:24 am

Suggestions for additions to wiki age checklist are here.

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Re: Suggestions for the Wiki

Post by LadyGeek » Sat Aug 27, 2016 8:38 am

Miriam2 wrote:Regarding our fabulous wiki :happy
Sometimes it is frustrating using the wiki search box and I wish for an index or table of contents.
Apparently there is an index, I just never knew where it was = it's called the "complete article list"

It is found by, on the wiki home page, scrolling down to "Can't find what you're looking for?" and there will be a link to the "complete article list" which brings up an alphabetical list of wiki articles, which link to the specific article. The complete article list index page, however, is not called complete article list or index or table of contents, it's called "All pages."

I may not be the only person who missed this index. Perhaps this link could be re-named "Index of Articles" and also a link called "index" could be included on the more visible left hand side of the wiki home page, along with the "site navigation" and "recent changes" column. It may make it easier for viewers to find articles in the wiki.

Are you looking for something other than the topical index at the top of the page? Look to the right of:

"Bogleheads® wiki
- Investing Advice Inspired by Jack Bogle"

... contains a series of links which drill-down every major subject in the wiki.

(Mobile devices will see this as a series of links just underneath the tag line "- Investing Advice Inspired by Jack Bogle".)

For background info, we copy everything we can from Wikipedia. Compare the wiki home page to Wikipedia. The topical list is at the top of the page.

"All pages" was added to help readers if they get stuck. It's part of the wiki software, so it's not amenable to retitling. We need to keep it as-is.

Did this answer your question?
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Re: Suggestions for the Wiki

Post by LadyGeek » Sat Aug 27, 2016 12:44 pm

dodecahedron wrote:Suggestions for additions to wiki age checklist are here.

Thanks! I have replied in Re: Suggestion for the Wiki Checklist of Important Dates.
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Re: Suggestions for the Wiki

Post by dodecahedron » Sat Aug 27, 2016 5:05 pm

LadyGeek wrote:
dodecahedron wrote:Suggestions for additions to wiki age checklist are here.

Thanks! I have replied in Re: Suggestion for the Wiki Checklist of Important Dates.


Thanks! I spotted an additional correction noted on that thread here.

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Re: Join the Wiki!

Post by morenoh149 » Tue Dec 06, 2016 10:05 am

I would like to fix an erroneous image caption at https://www.bogleheads.org/wiki/Three-f ... uard_funds

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Re: Join the Wiki!

Post by LadyGeek » Tue Dec 06, 2016 4:38 pm

Welcome! Can you point out the exact error? I reviewed Vanguard funds and don't see anything wrong. I may have missed something, though.
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Re: Join the Wiki!

Post by Miriam2 » Tue Dec 06, 2016 7:37 pm

In my never-ending effort to learn about Roth conversions :annoyed , I found several corrections that could be made in the wiki article "Roth IRA Conversion" (there are 2 Roth IRA Conversion articles in the index that appear to be the same article) wiki/Roth_IRA_conversion

1 - At the bottom External Links, the wiki links to an article by Vanguard, Maria Bruno and Alisa Shin, "Estate Planning Opportunities with Roth IRA Conversions," March 2010. The link no longer works. The correct link is www.vanguard.com/pdf/s623.pdf I read the article and it still seems relevant, but I'm no Roth conversion estate planning expert :D

2 - External links IRS Publications 590-A and 590-B says 2014 versions, but the link is actually to the 2015 versions.

3 - In the References section, footnote 2 and 3 are for IRS Publication 590, the 2009 version, but the link goes to "pages not found."
Also, Q - do we still need them because they apply to 2010 Roth conversions, which are over and done with :happy

4 - The References section footnote 5 link only leads to a Vanguard News page, not to the article on "Roth IRA conversions: 4 Things You May Not Know." Searching for the article on google brings up an "In The Vanguard® PDF" www.vanguard.com/pdf/itvsummer2010.pdf?2210047840, but since this article explains 2010 conversions, Q - is it still valuable for the wiki?

Also, is this the correct thread to bring these types of corrections to the awesome wiki leaders, or should I start a new topic? 8-)

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Re: Suggestions for the Wiki

Post by LadyGeek » Tue Dec 06, 2016 8:31 pm

morenoh149 - I moved your post into here, which is for wiki suggestions. If you can describe the error and wish to fix it yourself, instructions for becoming a wiki editor are at the bottom of the wiki home page ("Contributing to the wiki"). Or, you can PM me with your request.

Also note that suggestions to correct the wiki can be entered in the "Help improve this page" form, which is at the bottom of every wiki page. No login is required.
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Re: Join the Wiki!

Post by LadyGeek » Tue Dec 06, 2016 8:43 pm

Miriam2 wrote:In my never-ending effort to learn about Roth conversions :annoyed , I found several corrections that could be made in the wiki article "Roth IRA Conversion" (there are 2 Roth IRA Conversion articles in the index that appear to be the same article) wiki/Roth_IRA_conversion

1 - At the bottom External Links, the wiki links to an article by Vanguard, Maria Bruno and Alisa Shin, "Estate Planning Opportunities with Roth IRA Conversions," March 2010. The link no longer works. The correct link is www.vanguard.com/pdf/s623.pdf I read the article and it still seems relevant, but I'm no Roth conversion estate planning expert :D

2 - External links IRS Publications 590-A and 590-B says 2014 versions, but the link is actually to the 2015 versions.

3 - In the References section, footnote 2 and 3 are for IRS Publication 590, the 2009 version, but the link goes to "pages not found."
Also, Q - do we still need them because they apply to 2010 Roth conversions, which are over and done with :happy

4 - The References section footnote 5 link only leads to a Vanguard News page, not to the article on "Roth IRA conversions: 4 Things You May Not Know." Searching for the article on google brings up an "In The Vanguard® PDF" www.vanguard.com/pdf/itvsummer2010.pdf?2210047840, but since this article explains 2010 conversions, Q - is it still valuable for the wiki?

Also, is this the correct thread to bring these types of corrections to the awesome wiki leaders, or should I start a new topic? 8-)

Thanks, Roth IRA conversion has been revised.

1. The link has been updated.

2. I fixed the title to remove the year. The IRS uses the same link every year, which makes things easy to manage.

3. Since the links are long gone and you've made the suggestion, I removed the 2010 Roth conversion section. Here's the previous version which contains the 2010 section: Revision as of 13:52, 10 December 2015

4. I replaced the link. Is it valuable for the wiki? Yes, but only if it accurately reflects current tax law.

Also... I moved your post into the right thread. If you want to be sure of the wiki article's content, I recommend starting a new thread in the Personal Finance (Not Investing) forum asking for an "expert" review. (Can the experts please review...)
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Re: Suggestions for the Wiki

Post by Miriam2 » Sun Dec 11, 2016 2:06 pm

Perhaps the acronym OMY (for One More Year - one more year of working before retirement) could be added to the wiki list of abbreviations and acronyms, as suggest by #Cruncher :happy

viewtopic.php?f=10&t=205000&newpost=3146064
https://www.bogleheads.org/wiki/Abbrevi ... ronyms#L-Q

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Re: Suggestions for the Wiki

Post by livesoft » Sun Dec 11, 2016 2:08 pm

Is there an "Invest Now or Wait?" article? This is an FAQ, so should have a developed answer to link to.

It is not quite the "LS vs DCA" question.
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Re: Suggestions for the Wiki

Post by LadyGeek » Sun Dec 11, 2016 2:28 pm

Miriam2 wrote:Perhaps the acronym OMY (for One More Year - one more year of working before retirement) could be added to the wiki list of abbreviations and acronyms, as suggest by #Cruncher :happy

viewtopic.php?f=10&t=205000&newpost=3146064
https://www.bogleheads.org/wiki/Abbrevi ... ronyms#L-Q

Thanks, the wiki has been updated. I replied to #Cruncher in Re: The value of OMY for early retirees (bridge years).
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Re: Suggestions for the Wiki

Post by morenoh149 » Mon Jan 02, 2017 8:34 pm

When you hover over the pie charts at https://www.bogleheads.org/wiki/Three-f ... uard_funds the ratios displayed are inconsistent with what the charts show. E.g., 56/24/20 should instead be 64/20/16 .

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Re: Suggestions for the Wiki

Post by LadyGeek » Mon Jan 02, 2017 10:05 pm

Thanks! The hover text is fixed: Three-fund portfolio

(More than one wiki editor worked on this, it wasn't just me.)
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Re: Suggestions for the Wiki

Post by pondering » Fri Apr 28, 2017 10:50 pm

For the slides showing loan repayment it would be nice to also link to a google doc model that shows the loan amount an repayments dynamically.

https://www.bogleheads.org/wiki/Boglehe ... cy_project

General Credit Scores
Available as: Slides

I'd add a link to a model
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Re: Suggestions for the Wiki

Post by LadyGeek » Sat Apr 29, 2017 10:50 am

Sorry, I thought you wanted to provide a general wiki comment. I answered your suggestion here: Re: Help create a Financial Presentation: Calling all Bogleheads
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Re: Suggestions for the Wiki

Post by hushpuppy » Sat May 20, 2017 10:16 am

delete
Last edited by hushpuppy on Fri Nov 17, 2017 11:13 am, edited 1 time in total.
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Re: Suggestions for the Wiki

Post by LadyGeek » Sat May 20, 2017 11:27 am

Thanks! We should get a forum consensus on how to proceed. I started a new topic to discuss: [Wiki] - Pro-rata rule impact on Roth IRA recharacterization
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Re: Suggestions for the Wiki

Post by deskjockey » Sun Jul 09, 2017 9:36 am

The expense ratios for the Thrift Savings Plan funds found here need updating. The 2016 ratios were 0.038 for all except the I fund, which has an expense ratio of 0.039. Here is a link to the source.

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Re: Suggestions for the Wiki

Post by LadyGeek » Sun Jul 09, 2017 9:59 am

Thanks! I updated the page: Thrift Savings Plan

Those fees have increased since the last wiki update. I compared the revised fees against the listed Vanguard fund. While Vanguard's fees did come down, they're still about 2x higher than the TSP.
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Re: Suggestions for the Wiki

Post by Miriam2 » Wed Jul 12, 2017 10:08 pm

Found typo - missing "s" - in first paragraph of https://www.bogleheads.org/wiki/Expense_ratios

"The fund's expense ratio is taken out of the fund's assets and lowers its return to investors."

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Re: Suggestions for the Wiki

Post by LadyGeek » Thu Jul 13, 2017 3:12 pm

Thanks, see: Expense ratios

The wiki is a collaborative effort. Another editor (not me) has fixed the typo.

The wiki uses the same software as Wikipedia. To see editing activity, click on the View history tab in the top-right corner of the page.
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Re: Suggestions for the Wiki

Post by celia » Wed Jul 19, 2017 5:07 pm

I've been noticing more posts lately by non-US investors wondering how to get started (or they aren't sure if they are doing things properly). Do we have a wiki page to help get them started? We may want to separate suggestions into European Union, Australian, and other places where they have a Vanguard "division" available (or not).

At least we should pull together generic principles they can follow, although US taxes, retirement plans, SS won't apply to them.

Recent thread from other countries:
viewtopic.php?f=1&t=223720

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Re: Suggestions for the Wiki

Post by BeBH65 » Wed Jul 19, 2017 11:48 pm

celia wrote:I've been noticing more posts lately by non-US investors wondering how to get started (or they aren't sure if they are doing things properly). Do we have a wiki page to help get them started? We may want to separate suggestions into European Union, Australian, and other places where they have a Vanguard "division" available (or not).

At least we should pull together generic principles they can follow, although US taxes, retirement plans, SS won't apply to them.

Recent thread from other countries:
viewtopic.php?f=1&t=223720
Hi Celia,

We do have a number of county specific pages in the wikias well as 3 pages focussed on taxation outside of the US.
Some of the members on the forum are regular contributors on NON-US threads; if we recognize them --> I always ask them to add their country in the title.

Bogleheads Investment principles can apply for many non-US investors.
In some countries Vanguard is not the best supplier to implement these principles.

Regards
BeBH65. (only an investment enthusiast, not a financial adviser, perform your due diligence).

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Re: Suggestions for the Wiki

Post by celia » Thu Jul 20, 2017 12:36 am

Thank you, BeBH65. This is better than what I has hoping for and can at least get international users started.

I have bookmarked the referenced page for future referrals.

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Re: Suggestions for the Wiki

Post by LadyGeek » Thu Jul 20, 2017 8:05 pm

celia - that's an excellent suggestion. You should not have to bookmark an important topic, especially for our readers outside the US.

Being bold, I have added an "Investors outside the US" section to Getting started.

I incorporated BeBH65's suggestions, along with some guidance for US ex-pats.

If anything needs an update, please post here. Wiki editors can update the page directly.
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Re: Suggestions for the Wiki

Post by deskjockey » Sat Jul 22, 2017 1:55 am

While doing some research on 529 plan, I stumbled across a change in the rules regulating how losses are computed for 529 plans that makes the information here in the Wiki about calculating the loss or gain from a distribution in a 529 plan outdated. It seems that the PATH act in 2015 repealed the aggregation requirement when calculating a loss. See this link for a technical discussion of how the IRS implemented it and this one for the instructions (scroll to the "Losses on QTP Investments" section).

On a separate note, I found this handy calculator at Vanguard that allows you to do a quick and dirty comparison at to whether to keep money in a UTMA or move it over to a custodial 529 account. It takes into account the kiddie tax, tax-free 529 disbursements, and the expense ratio of the UTMA and 529 investments (you provide that info). While not perfect, it's a good starting point for deciding between those two vehicles when dealing with a custodial account and may merit inclusion in the Wiki.

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Re: Suggestions for the Wiki

Post by LadyGeek » Mon Jul 24, 2017 9:47 pm

Thanks! The page has been revised: 529 plan

Note that two wiki editors have worked on the page. The top-right corner of the wiki page shows the editing activity. View history
deskjockey wrote:On a separate note, I found this handy calculator at Vanguard that allows you to do a quick and dirty comparison at to whether to keep money in a UTMA or move it over to a custodial 529 account. It takes into account the kiddie tax, tax-free 529 disbursements, and the expense ratio of the UTMA and 529 investments (you provide that info). While not perfect, it's a good starting point for deciding between those two vehicles when dealing with a custodial account and may merit inclusion in the Wiki.
Interesting, the Vanguard UGMA/UTMA conversion calculator is not Vanguard's website. It's "powered by" Wealth Management Systems, Inc. The website redirects to DST Systems, a financial outsourcing company.

Put a few numbers into the calculator and hit "Calculate results". A comprehensive report and assumptions show up.

How accurate is this calculator? IOW, what is meant by "good enough as a quick and dirty comparison? If the calculator is useful, it can be put into the wiki. However, the limitations should be clearly documented.

We have the following wiki pages:
- 529 plan
- Kiddie tax
- Uniform Gift to Minors Act

Can someone suggest some wording for these pages?
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Re: Suggestions for the Wiki

Post by deskjockey » Tue Jul 25, 2017 1:23 am

LadyGeek wrote:
deskjockey wrote:On a separate note, I found this handy calculator at Vanguard that allows you to do a quick and dirty comparison at to whether to keep money in a UTMA or move it over to a custodial 529 account. It takes into account the kiddie tax, tax-free 529 disbursements, and the expense ratio of the UTMA and 529 investments (you provide that info). While not perfect, it's a good starting point for deciding between those two vehicles when dealing with a custodial account and may merit inclusion in the Wiki.
Interesting, the Vanguard UGMA/UTMA conversion calculator is not Vanguard's website. It's "powered by" Wealth Management Systems, Inc. The website redirects to DST Systems, a financial outsourcing company.

Put a few numbers into the calculator and hit "Calculate results". A comprehensive report and assumptions show up.

How accurate is this calculator? IOW, what is meant by "good enough as a quick and dirty comparison? If the calculator is useful, it can be put into the wiki. However, the limitations should be clearly documented.
I see two limitations--it assumes that all securities in a UTMA will be held until disbursement and does not factor in the ability to do tax gain harvesting along the way. The other limitation I see is that the calculator doesn't take into account state taxes which, depending on the state, could be a substantial drag on UTMA accounts.

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Re: Suggestions for the Wiki

Post by TD2626 » Fri Sep 08, 2017 5:40 pm

Should a wiki article briefly defining and describing bitcoin/cryptocurrency be created? Given the volume of discussion currently in the forum about it, it is surprising that there is no mention of it in the wiki. (I looked around but found nothing; my apologies if I missed something obvious).
Such an article could describe briefly and factually what cryptocurrency is, and what the technology behind it is (blockchain). The article would need to emphasize why it is a speculative and risky gamble not consistent with general Boglehead long-term investment principles.

Note: I feel that bitcoin/cryptocurrency is an excessively risky, speculative gamble that long-term investors should avoid. In my opinion, it is unsuitable for use as an investment or for inclusion in a long term portfolio – and it is inconsistent with Boglehead principles. (Also, I know little about this area and have little interest in it. Those with more knowledge could possibly write a more balanced article).

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Re: Suggestions for the Wiki

Post by LadyGeek » Sat Sep 09, 2017 8:42 pm

I fully agree and have started a discussion here: Wiki article - Bitcoin
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Re: Suggestions for the Wiki

Post by mrc » Thu Sep 14, 2017 5:13 am

I checked the wiki and found a short explanation of credit reports and a page for credit scores. Would a section/page on freezing credit (with an enumeration of all the reporting agencies) be helpful? I just found out about SageStream from another post.
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Re: Suggestions for the Wiki

Post by LadyGeek » Thu Sep 14, 2017 8:39 pm

Sure! I have created a draft wiki page and started a forum discussion here: Wiki article - Credit freeze
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Re: Suggestions for the Wiki

Post by Earl Lemongrab » Sun Oct 15, 2017 1:32 pm

I happened to look at the article on Merrill Edge:
Merrill Edge provides 30 cost-free ETF or equity trades a month to customers who have $25k or more in Bank of America deposit accounts, or $25k or more cash balance at Merrill Edge.
https://www.bogleheads.org/wiki/Merrill_Edge

Recently ME dropped the free trades for 25k in cash deposits. The only way to get free trades is with the Preferred Rewards program, either 50k in total assets (includes ME holdings and BOA bank accounts) for 30/month, or 100k for 100/month.

https://info.bankofamerica.com/preferred-rewards/
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Re: Suggestions for the Wiki

Post by LadyGeek » Sun Oct 15, 2017 2:55 pm

Thanks! The wiki has been revised: Merrill Edge

I found a better reference: Merrill Edge Pricing, Commissions & Fees for Online Trading, then click on "Learn how to qualify" for the fine print. The $25k minimum was a promotion that ended 9/30/2017.
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Re: Suggestions for the Wiki

Post by jon7417 » Sat Oct 21, 2017 8:24 am

Please consider adding this company to the HSA Wiki. https://www.bogleheads.org/wiki/Health_savings_account

(I have been researching for an alternative HSA bank with the recent TD ameritrade Vanguard Free-ETF changes and this is an excellent low cost HSA with quality investment options.)


Add the following HSA option:
*last updated Oct 21, 2017

Select Account
https://www.selectaccount.com/

Basic Bank Account and Fee/Interest Structure:
See this link for paid interest rates. https://www.selectaccount.com/products/ ... mbursement
Free Saver $0/month
Thrift Saver $1/month Minimum required for investment account.
Basic Saver $2.50/month (interest rates in bank portion current 0.25% and up, varies based on balance)
Select Saver $3/month Adds FDIC security
Premium Saver $4/month (interest rates in bank portion current 1.05% and up, varies based on balance).

Investment options:
-Must keep at least $1,000 in bank account to use this.
-$18/year in fees for investing
From the company's website "Our pre-selected mutual funds have been chosen by Devenir Investment Advisors, LLC, a registered investment advisor. Charles Schwab & Co. Inc. is a registered securities broker dealer, member SIPC/NYSE, and an affiliate of The Charles Schwab Trust Company."

See this link for basic investing funds: https://hsainvestments.com/fundperformance/?p=HSA
**Several options including low cost Vanguard Funds and Vanguard Target Retirement funds.**

Once your HSA Basic Investment Account exceeds $10,000, you CAN open a self-directed HSA Brokerage Investment Account with Charles Schwab & Co. Inc., giving you access to more than 2,500 mutual funds as well as stocks, bonds and other investments. You must keep at least $1,000 in the base balance of your HSA account.

There are some transaction fees for this type of account but I couldn't find details on this only a disclaimer from the company. I personally plan on just using the basic investment account as it will meet my needs just fine.

"Brokerage Investment Account Service Fee – Schwab’s standard brokerage commission schedule applies to transactions in the self-directed Brokerage Investment Account. Applicable commissions and execution fees will be deducted from the participant’s Brokerage Investment Account balance."

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Re: Suggestions for the Wiki

Post by LadyGeek » Sun Oct 22, 2017 8:01 pm

Thanks! I added SelectAccount to the wiki: Health savings account (SelectAccount).
jon7417 wrote:
Sat Oct 21, 2017 8:24 am
Once your HSA Basic Investment Account exceeds $10,000, you CAN open a self-directed HSA Brokerage Investment Account with Charles Schwab & Co. Inc., giving you access to more than 2,500 mutual funds as well as stocks, bonds and other investments. You must keep at least $1,000 in the base balance of your HSA account.

There are some transaction fees for this type of account but I couldn't find details on this only a disclaimer from the company. I personally plan on just using the basic investment account as it will meet my needs just fine.
The "disclaimer" is the Schwab Commissions & Trades schedule. Details are in the HSA Reference Guide, pages 46 - 48. I included a link in the wiki article.

Section 2.1 of that guide is very helpful to explain that you should always read the fund's Prospectus. It also discloses the use of 12b-1 fees.
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Re: Suggestions for the Wiki

Post by LadyGeek » Wed Nov 01, 2017 9:08 pm

FYI - Noobvestor has a question on Specific identification of shares. I don't know the answer. Does the wiki need an update?

Subject: Spec ID at VG - BH wiki out of date? [Need help with cost basis]
Noobvestor wrote:
Wed Nov 01, 2017 5:28 pm
I noticed this line in the Wiki regarding specific identification of shares at Vanguard:

"If you sell shares online, send a secure Email on the same day with this information."

"This information" refers to a bunch of personal info -- more here:

https://www.bogleheads.org/wiki/Specifi ... _of_shares

I assume this is out-of-date information, dating to a time when there wasn't a pop-up that let you pick lots to sell? Or am I misunderstanding?

While I'm at it, figured I'd ask: does anyone ever sell micro-lots just to clean up their cost basis interface? I have some from accidentally reinvested payouts from a tax-exempt bond fund and it's itching at my OCD (plus I need to sell some of that fund anyway for other reasons).
(Answers to his micro-lots question should be posted in his thread.)
To some, the glass is half full. To others, the glass is half empty. To an engineer, it's twice the size it needs to be.

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Re: Suggestions for the Wiki

Post by grabiner » Wed Nov 01, 2017 10:53 pm

LadyGeek wrote:
Wed Nov 01, 2017 9:08 pm
FYI - Noobvestor has a question on Specific identification of shares. I don't know the answer. Does the wiki need an update?

Subject: Spec ID at VG - BH wiki out of date? [Need help with cost basis]
Noobvestor wrote:
Wed Nov 01, 2017 5:28 pm
I noticed this line in the Wiki regarding specific identification of shares at Vanguard:

"If you sell shares online, send a secure Email on the same day with this information."

"This information" refers to a bunch of personal info -- more here:

https://www.bogleheads.org/wiki/Specifi ... _of_shares

I assume this is out-of-date information, dating to a time when there wasn't a pop-up that let you pick lots to sell? Or am I misunderstanding?

While I'm at it, figured I'd ask: does anyone ever sell micro-lots just to clean up their cost basis interface? I have some from accidentally reinvested payouts from a tax-exempt bond fund and it's itching at my OCD (plus I need to sell some of that fund anyway for other reasons).
(Answers to his micro-lots question should be posted in his thread.)
This still applies if you are selling non-covered mutual fund shares, because there is no way to identify them as specific lots online. I will clarify the Wiki page
David Grabiner

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Re: Suggestions for the Wiki

Post by BigJohn » Tue Nov 14, 2017 9:03 pm

I was reading this discussion which quotes the wiki on NUA treatement viewtopic.php?f=1&t=232202. The wiki says you have to use pretax money for NUA but I don't believe this is correct. I worked for a giant mega-corp and extracted my NUA shares using after tax dollars about 2.5 years ago. This is obviously more advantageous and is a very common approach used by many retirees at my former company.

I did a quick search for some references and found the following, all of which talk about the use of after tax dollars.
https://www.irahelp.com/forum-post/1957 ... tributions
http://www.morganstanleyfa.com/public/p ... d5eda6.pdf see first bullet point under "Key Issues in Electing...."
http://krosnowskiandscott.com/pdfs/NUA2.pdf it's specific to XOM but is consistent with my experience

I'm not sure who the wiki expert is on NUA but I'm glad to discuss with him/her in more detail as appropriate.

Regards,
John

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