Search found 5401 matches

by dratkinson
Sat Jul 31, 2021 5:57 pm
Forum: Personal Consumer Issues
Topic: Telephone Recorder
Replies: 6
Views: 890

Re: Telephone Recorder

Ran into this recently in another topic. Thought it was an interesting take on the subject. OP receives a call and is told "This call may be recorded for quality control purposes." And OP says something like, "Acknowledged. This call is being recorded." So both should now know th...
by dratkinson
Sat Jul 31, 2021 5:47 pm
Forum: Personal Consumer Issues
Topic: Do you have a "man garage" away from your home?
Replies: 62
Views: 5350

Re: Do you have a "man garage" away from your home?

Bought a house with 4-car garage (2x side-by-side, 2x tandem with workshop in back bay), just for that purpose. Glad I did. Folks up the street added a metal building in their back lot large enough to hold 10x cars (5x per side), loft office/storage above one parking row, and front/back central roll...
by dratkinson
Sat Jul 31, 2021 5:14 pm
Forum: Personal Consumer Issues
Topic: EV charging solutions in dense urban environs
Replies: 62
Views: 3177

Re: EV charging solutions in dense urban environs

Searched this: https://www.google.com/search?q=charge+EV+across+sidewalk And read first article: https://cleantechnica.com/2021/06/21/confessions-of-a-sidewalk-charger-cleantechnica-version/ $500 for that solution doesn't seem to be too unreasonable. https://cleantechnica.com/files/2021/06/image-13-...
by dratkinson
Fri Jul 30, 2021 12:36 pm
Forum: Forum Issues and Administration
Topic: Forum etiquette: Letting users know what you decide and/or how things went
Replies: 20
Views: 2555

Re: Forum etiquette: Letting users know what you decide and/or how things went

I've seen replies to old topics in which the OP came back and told us how things went and "thanks for the help". It was a nice warm fuzzy. Maybe could add a closing sentence in "Asking Portfolio Questions" to encourage OP to come back in a few years and tell us how things worked ...
by dratkinson
Wed Jul 28, 2021 4:40 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting Systems
Replies: 11
Views: 1150

Re: Tax Loss Harvesting Systems

To minimize TLHing issues. --Hold all-in-one funds in TA (tax-advantaged: IRA, 401k,...) accounts. Hold discrete funds/ETFs in taxable accounts. --Reinvest distributions in TA. Redirect distributions in taxable. --Use TLH pairs that track different indexes: VTI/SCHB, VTIAX/VFWAX,.... For more than y...
by dratkinson
Wed Jul 28, 2021 4:07 pm
Forum: Personal Consumer Issues
Topic: What was your best quality of life improvement for $1000?
Replies: 164
Views: 19010

Re: What was your best quality of life improvement for $1000?

A robot vacuum! It's so nice not to have to sweep under beds (we have hardwood floors though). +1. Vacuuming . Before a robot vacuum, the dust bunnies were taking over. Now, I've got them on the run. Sweeping went from a "When I could no longer stand to look at dust bunnies" chore, to &qu...
by dratkinson
Mon Jul 26, 2021 1:25 pm
Forum: Personal Consumer Issues
Topic: Intermatic timer
Replies: 31
Views: 2617

Re: Intermatic timer

OP. Your original electronic switch was much too complicated for it's intended use. So your switch is much simpler. The problem is in remembering to turn it off. Why? You typically want a bath vent fan to continue running for a few minutes after you leave the bath... so remembering to go back and t...
by dratkinson
Sat Jul 24, 2021 5:30 pm
Forum: Personal Consumer Issues
Topic: Intermatic timer
Replies: 31
Views: 2617

Re: Intermatic timer

Late to the party. I had a switched bath vent... and was always forgetting to turn it off. Swapped it out for a simple electronic model (first picture in RickBoglehead's reply) and it has worked well. No problems noted. I was so happy with simple electronic bath vent timer that I swapped out my spri...
by dratkinson
Tue Jul 20, 2021 7:16 pm
Forum: Personal Investments
Topic: How to invest $1,000,000 sudden windfall ??
Replies: 51
Views: 8046

Re: How to invest $1,000,000 sudden windfall ??

... Thank you D.R.A for your detailed post. ... Were I in your situation (job I loved, good health, 18mos EF, multiple sources of income,...) and had enough life + workers compensation insurance so that I/my dependents never needed to worry, then I'd probably do the same as you. Go ahead on, and mo...
by dratkinson
Mon Jul 19, 2021 4:35 pm
Forum: Personal Investments
Topic: How to invest $1,000,000 sudden windfall ??
Replies: 51
Views: 8046

Re: How to invest $1,000,000 sudden windfall ??

The 5 years is just the minimum amount of time. I have a feeling i could leave this $1m alone to grow for 15, 20 or 25 years. But of course who knows what life will throw at me. I have the need, and the ability and the willingness to risk this amount 100% in the stock market in a diverse ETF . And ...
by dratkinson
Sun Jul 18, 2021 2:45 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1401
Views: 72397

Re: Bird watchers – what birds are you seeing?

JAZZISCOOL wrote: Sun Jul 18, 2021 1:41 pm Bird-watching vicariously through a relative who is in S. Carolina & texting photos: big white heron and many brown pelicans :beer
Same here with this topic. And avoiding all of the heat, humidity, and bugs. :sharebeer
by dratkinson
Fri Jul 16, 2021 3:47 pm
Forum: Personal Investments
Topic: How to invest $1,000,000 sudden windfall ??
Replies: 51
Views: 8046

Re: How to invest $1,000,000 sudden windfall ??

I'm assuming you're in a high enough tax bracket to benefit from a municipal bond fund. An IT (intermediate-term, ~5yr duration) national fund is typically recommended. Why? IT is reported to be on the sweet spot of the risk/reward yield curve. A national fund minimized the risk of single-state defa...
by dratkinson
Wed Jul 14, 2021 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Dead-End Robocalls
Replies: 45
Views: 3360

Re: Dead-End Robocalls

:D I've been getting 3-4 calls daily with nothing in the call. I let it go to answering machine or pick up w/o saying anything . The line goes dead with nothing from their end. What are they trying with a call and no options. Normally, I have at least millions waiting for me in Somalia Do not picku...
by dratkinson
Wed Jul 14, 2021 2:49 pm
Forum: Personal Investments
Topic: $1M windfall to invest
Replies: 8
Views: 2406

Re: $1M windfall to invest

Bonds. Some bonds. Since you are using Vanguard mutual funds in taxable, the assumption is that you have a Vanguard account, so could use: --VCITX (CA long-term muni), 50%. --VMLTX (limited-term national muni), 50%. I've never heard of muni bonds before, but they look like a good way to invest for ...
by dratkinson
Sun Jul 11, 2021 7:59 pm
Forum: Personal Investments
Topic: $1M windfall to invest
Replies: 8
Views: 2406

Re: $1M windfall to invest

Have you set aside the money to pay tax on your windfall? Have you paid the tax? Quarterly filing may be required if you don't fall under the IRS "safe harbor" rules to avoid penalty for under withholding. Bonds. The typical advice is that we should be "age in bonds", so 40% bond...
by dratkinson
Sat Jul 10, 2021 3:38 pm
Forum: Personal Investments
Topic: Suggestions on California muni-bonds
Replies: 10
Views: 1160

Re: Suggestions on California muni-bonds

Suggest reading Swedroe's bond book (The Only Guide to a Winning Bond Strategy You'll Ever Need). Pay particular attention to the topic describing owning individual bonds.

I did, and decided I didn't want the hassle.

Best of success in whatever you decide to do.
by dratkinson
Sat Jul 10, 2021 2:41 pm
Forum: Personal Investments
Topic: What should I do with $1 million
Replies: 18
Views: 3956

Re: What should I do with $1 million

Read wiki article: https://www.bogleheads.org/wiki/Managing_a_windfall Option. Post your financial situation for a forum review. See sticky: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 --Copy sticky to your PC, edit it offline. Include all of your information. Omitted information =...
by dratkinson
Sat Jul 10, 2021 2:38 pm
Forum: Personal Investments
Topic: Transferring accounts from Vanguard to Schwab - should I stay or should I go?
Replies: 113
Views: 10519

Re: Transferring accounts from Vanguard to Schwab - should I stay or should I go?

Talk to Schwab. I have very few investing transactions at this point in my life. Schwab said they would hold VWIUX for me but I cannot purchase through them. Can you purchase in Vanguard then periodically transfer to your Schwab account? Keep in mind the minimum investment for VWIUX is $50,000. So ...
by dratkinson
Thu Jul 08, 2021 2:00 pm
Forum: Personal Consumer Issues
Topic: Spinning Rod - Travel Case
Replies: 4
Views: 451

Re: Spinning Rod - Travel Case

This DIY travel case looks interesting: https://www.gameandfishmag.com/editoria ... wer/392433
by dratkinson
Wed Jul 07, 2021 2:42 pm
Forum: Personal Investments
Topic: Turning 27: Time to Reduce Equities?
Replies: 98
Views: 7672

Re: Turning 27: Time to Reduce Equities?

+1. You could put some bonds in taxable to create a fat extended-tier EF, just as a CYA. But over the long term, until you retire, the market should continue to rise---today's high should be tomorrow's low. Why? Government's do like a little inflation (prices/wages) as it makes sheeple believe they ...
by dratkinson
Tue Jul 06, 2021 6:22 pm
Forum: Personal Investments
Topic: Muni position in taxable
Replies: 28
Views: 3476

Re: Which Munis declare dividends daily or Which Munis are Daily Accrual?

See wiki TLHing topic discussing the effects of daily-accrual* vs monthly-accrual, and fund vs ETF: https://www.bogleheads.org/wiki/Tax_loss_harvesting#Fine_points_about_tax_loss_harvesting * "Declare dividends daily" , or some such verbiage is the important piece of information to find i...
by dratkinson
Tue Jul 06, 2021 5:51 pm
Forum: Personal Consumer Issues
Topic: Whole House Surge Protector
Replies: 48
Views: 5097

Re: Whole House Surge Protector

Depends on the utility. They are going to want to know about cutting the meter seal. Some allow electricians to cut it and inform, others do not. ... If you're getting upgraded to a smart* electric meter, can wait until it's installed to have utility worker remove type 1 SPD. * Then remember to run...
by dratkinson
Tue Jul 06, 2021 3:13 am
Forum: Personal Investments
Topic: Muni position in taxable
Replies: 28
Views: 3476

Re: Muni position in taxable

See wiki TLHing topic discussing the effects of daily-accrual* vs monthly-accrual, and fund vs ETF: https://www.bogleheads.org/wiki/Tax_loss_harvesting#Fine_points_about_tax_loss_harvesting * "Declare dividends daily", or some such verbiage is the important piece of information to find in ...
by dratkinson
Sat Jul 03, 2021 10:05 pm
Forum: Personal Investments
Topic: Muni position in taxable
Replies: 28
Views: 3476

Re: Muni position in taxable

Don't see anything wrong with it. Double-check the SEC yields (USVAX, VWITX, VWLTX) to ensure you are getting the best after-tax income for your invested buck. Disclosure. I own VWIUX (IT national as CD substitute) VWLUX (LT national, 50% of major bond holding) and a single-state muni (50% of major ...
by dratkinson
Thu Jul 01, 2021 9:37 pm
Forum: Personal Investments
Topic: How much to save to become a millionaire by 65
Replies: 43
Views: 6971

Re: How much to save to become a millionaire by 65

Be conservative by assuming 7% annual return, and use Excel to roll your own table. Example. You need to save $8.59/day from age 20 to 65 to retire with $1M: =PMT(0.07/365,(65-20)*365,0,1000000,0) . But it might be easier to understand for your situation if you tweak Excel function to tell you how m...
by dratkinson
Wed Jun 30, 2021 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: How/why do you budget when you can afford to pay more?
Replies: 80
Views: 6548

Re: How/why do you budget when you can afford to pay more?

A one-time purchase does not significantly increase the annual budget to own/maintain the item... in the case of a laptop computer. So get what you want that provides you with the most ongoing utility during your ownership of the item. --Want a smaller laptop for better battery life while traveling ...
by dratkinson
Sat Jun 26, 2021 8:10 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1657
Views: 198070

Re: What frugal thing did you do today?

Fixed our 60 year old Farberware Coffee percolator.... hope she makes it another 60 years.... I won't. Making great, hot coffee again. And looks SO good doing it! You made me remember. At a thrift store, a mid-century modern 2-slot Astra Toastmaster toaster was $2. It's a little finicky, but looks ...
by dratkinson
Thu Jun 24, 2021 8:04 am
Forum: Personal Consumer Issues
Topic: Car GPS Screen size
Replies: 26
Views: 1860

Re: Car GPS Screen size

I'd be worried about screen size being a distraction... so prefer to listen to voice directions. Friends forced me to get a smartphone to replace disappeared pay phones, and paper phone books and maps for the car. I’ve owned both the larger and smaller sized GPSs. I prefer the smaller size as I can ...
by dratkinson
Tue Jun 22, 2021 7:11 pm
Forum: Personal Investments
Topic: Simplify Portfolio
Replies: 21
Views: 3314

Re: Simplify Portfolio

Thank you. Finally, all the positions are in Fidelity, consolidated(Robhinhood and Wealthfront). It feels good. Next step is I have started selling stocks that have loss, or have minimal gain(irrespective of their term- short/long). I have two questions- 1. Which fund(ETF or MF should I pick for HS...
by dratkinson
Mon Jun 21, 2021 2:50 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1657
Views: 198070

Re: What frugal thing did you do today?

Well… one of the motorhome windows had a mechanical issue on the last trip. The repair person solution is to replace the entire window, which is easy from a labor perspective, but costs hundreds for the new window, and windows are back ordered for months. So I painstakingly took the window apart, f...
by dratkinson
Sun Jun 20, 2021 1:44 pm
Forum: Personal Consumer Issues
Topic: Whole House Surge Protector
Replies: 48
Views: 5097

Re: Whole House Surge Protector

I know this is a somewhat old thread but my surge protector has failed, so I thought I see if there were any other thoughts on user-replaceable units. Not user-replaceable for the initial installation - I don't even want to remove my dead (per the LED) unit myself because I'm not sure I'm supposed ...
by dratkinson
Sat Jun 19, 2021 7:33 pm
Forum: Investing - Theory, News & General
Topic: What [investing] fun things have you done with your 80% stock market gains in the past year?
Replies: 46
Views: 4011

Re: What [investing] fun things have you done with your 80% stock market gains in the past year?

Dividends + new money were reinvested in bonds in an effort to remain in balance. Otherwise, nothing.
by dratkinson
Fri Jun 18, 2021 6:25 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2571
Views: 315194

Re: Post your Financial Milestone Announcements Here

... Dangerous cycle but I feel pretty good to be out of it. Sadly, I couldn't even tell you where most of the money went. Congratulations on getting your CC spending under control. Some CCs will supply a yearend statement that tells you where the money went. Disclosure. All my monthly spending (gro...
by dratkinson
Fri Jun 18, 2021 3:30 pm
Forum: Personal Consumer Issues
Topic: How long should a car last?
Replies: 100
Views: 8407

Re: How long should a car last?

30-35 years, 300-500K miles, you're halfway there. It's truly unfortunate Toyota's last this long, I wish I had a CD player in my oldest Toyota. Idea. You can get a small FM transmitter to adapter a portable CD player to your car radio. Add FM transmitter to your portable CD player. Search: https:/...
by dratkinson
Thu Jun 17, 2021 8:35 pm
Forum: Personal Investments
Topic: How to Get my Relatives Out of Edward Jones
Replies: 80
Views: 6423

Re: How to Get my Relatives Out of Edward Jones

You could search for EJ horror stories for your relatives to read: https://www.google.com/search?q=leaving+edward+jones+horror+stories Clients. I recall this one---glad I didn't make that mistake... among my many others: http://kronstantinople.blogspot.com/p/edward-jones-saga.html Salesmen. Recall r...
by dratkinson
Thu Jun 17, 2021 7:30 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1401
Views: 72397

Re: Bird watchers – what birds are you seeing?

115 degrees/10% humidity. All the little birds - sparrows, verdins, LBBs, even the big white-wing doves -- congregate on my concrete east-facing (therefore shady) patio, wings pushed out and beaks panting. I hose the concrete twice a day for evaporative cooling and put out extra water. Hard times f...
by dratkinson
Wed Jun 16, 2021 6:55 pm
Forum: Personal Consumer Issues
Topic: WWV Radio
Replies: 48
Views: 3817

Re: WWV Radio

The Allied/Knight SpanMaster Regen radio was actually a pretty sensitive rig. Not especially selective, though. Built a Knight Kit Star Roamer as a teenager in the early '60s and fed it from a north-pointing long wire. Remember the first station I heard and identified was HCJB out of Quito Ecuador....
by dratkinson
Wed Jun 16, 2021 6:32 pm
Forum: Personal Consumer Issues
Topic: WWV Radio
Replies: 48
Views: 3817

Re: WWV Radio

My Radio controlled clock keeps getting the time wrong. A lot of times I feel that I should just set it myself. Had a similar problem. Sometimes the time would remain accurate for several months, then it would change. (Use a nightly clock alarm to remind me to take meds, so it's quickly obvious whe...
by dratkinson
Tue Jun 15, 2021 8:45 am
Forum: Personal Investments
Topic: Simplify Portfolio
Replies: 21
Views: 3314

Re: Simplify Portfolio

... 1) Yes open 2 Roth IRA s, one for yourself and have your spouse open one. If your 2021 MAGI will be under $198,000 then just contribute to them directly https://www.schwab.com/ira/roth-ira/contribution-limits. If your 2021 MAGI will be more than that then you have to use the back door method fo...
by dratkinson
Sat Jun 12, 2021 12:07 pm
Forum: Personal Investments
Topic: A Left Brain/Right Brain Roth Dilemma
Replies: 19
Views: 2506

Re: A Left Brain/Right Brain Roth Dilemma

Option 3a. (Reduce taxes and increase spending now.) --Her. Contribute to a traditional account now to get current tax deduction. --He. Contribute to traditional account now to get current tax deductions. --Both. Withdraw from Roth account(s) now (tax free) to fund additional living/travel expenses....
by dratkinson
Fri Jun 11, 2021 8:06 pm
Forum: Personal Investments
Topic: A Left Brain/Right Brain Roth Dilemma
Replies: 19
Views: 2506

Re: A Left Brain/Right Brain Roth Dilemma

Do you have any tax-deferred accounts (traditional IRA, 401k,...). You could draw them down now and save your Roth accounts for later in retirement. Why? Many want to reduce/eliminate the effects of unneeded/unwanted RMDs imposed upon tax-deferred accounts, so begin converting tax-deferred accounts ...
by dratkinson
Fri Jun 11, 2021 7:28 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2571
Views: 315194

Re: Post your Financial Milestone Announcements Here

Far more modest than anything else here, but I passed 50k net worth this month (26 years old). Been not so great with savings rates the past few years, but I’ve stepped up to saving about 40% of my ~63k income and feel good about picking up some speed. At 26 I was living paycheck to paycheck, worki...
by dratkinson
Thu Jun 10, 2021 11:47 am
Forum: Personal Investments
Topic: Should I keep SCHD
Replies: 7
Views: 880

Re: Should I keep SCHD

You can answer this question for yourself. How? Since you bought SCHD last year in a taxable account, this means you have a 1099DIV on it. --Box 1a lists total dividends (ordinary+QDI+STCG from internal fund operation). --Box 1b lists QDI dividends. --Box 2a list LTCG (from internal fund operation)....
by dratkinson
Tue Jun 08, 2021 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: IRS refund bigger than on return and they sent 12 ibonds
Replies: 18
Views: 3166

Re: IRS refund bigger than on return and they sent 12 ibonds

You can expect a 1099INT next Jan from the IRS reporting the interest earned. TIL. Do they mail it to you? Is there a way to get this information electronically? Sir, I do not know. Didn't immediately find an answer when I searched: https://www.google.com/search?q=can+i+request+electronic+1099-INT+...
by dratkinson
Tue Jun 08, 2021 1:29 pm
Forum: Personal Investments
Topic: novice leaving EJ could use advice.
Replies: 56
Views: 5490

Re: novice leaving EJ could use advice.

If you have any assets in a taxable account at EJ, make sure you get any cost basis information before moving your assets. Late to the party. Your cost basis includes any load and fees paid to get into an investment. Example. If you pay a $10 transaction fee to buy $100 of a 5% load fund, only $100...
by dratkinson
Tue Jun 08, 2021 10:48 am
Forum: Investing - Theory, News & General
Topic: Do you have a trade checklist?
Replies: 15
Views: 1138

Re: Do you have a trade checklist?

The checklist you are proposing sounds like the record we are advised to keep, to help us refine our (1) speculating and (2) technical analysis. But since both are deprecated on this forum, then there is no reason to go that route, here. You can find many "should I make the trade" checklis...
by dratkinson
Tue Jun 08, 2021 10:04 am
Forum: Personal Finance (Not Investing)
Topic: IRS refund bigger than on return and they sent 12 ibonds
Replies: 18
Views: 3166

Re: IRS refund bigger than on return and they sent 12 ibonds

You can expect a 1099INT next Jan from the IRS reporting the interest earned.
by dratkinson
Sat Jun 05, 2021 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: IRS included interest on refund
Replies: 36
Views: 3784

Re: IRS included interest on refund

Okay. I'll create my own blank 1099memo as a reminder. See if the 2021 tax s/w accepts it. Added. Went back and looked through my 2020 tax return documents. For interest income earned (~$13) in 2020, due to delayed 2019 fed tax refund... 2020 IRS 1099INT showed: --Statement showing interest income f...
by dratkinson
Sat Jun 05, 2021 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: IRS included interest on refund
Replies: 36
Views: 3784

Re: IRS included interest on refund

My 2019 refund was delayed (covid), I did receive an amount (~$13) above what was expected, and a 2020 1099INT. Reported 1099INT on 2020 return. My 2020 refund included a small amount (~$2) above what was expected. I'm guessing it was interest, or maybe something to do with "economic impact pay...
by dratkinson
Thu Jun 03, 2021 5:36 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1401
Views: 72397

Re: Bird watchers – what birds are you seeing?

Geese having a honky-tonk...... There are more geese around the lake I walk at than normal. I suspect with the drought that their grassy feeding areas are turning dry so they are likely congregating at parks like this where they can snack on the green grass lawns. Zoom in and follow the shore as it...